Mutual Funds
Professionally managed, market-linked investments for different financial goals.
- Professional fund management
- Diversification across multiple securities
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URJAA Consultancy
Insure
TodaySecure Tomorrow
Mrs. Uma Jain has guided families for over 50 years with clear insurance and investment counsel, at every stage of life.
50+ Years ExperienceLIC of IndiaMDRT Life MemberChairman’s ClubInvestments & Insurance4000+ Families50+ Years ExperienceLIC of IndiaMDRT Life MemberChairman’s ClubInvestments & Insurance4000+ Families
Right now, somewhere in a family
It always starts with a question.
“If something happens to me, who pays the home loan?”
“Will one hospital bill undo ten years of savings?”
“Can I promise my daughter her college, no matter what?”
“My business runs on one person. What if we lose them?”
“When my salary stops at sixty, what replaces it?”
“Where should my first ₹5,000 a month actually go?”
Every one of these questions has an answer. Keep scrolling. This is the story of how we find yours.
Follow One Family’s StoryThe URJAA Journey
One family. Every life stage.
Age26
Chapter 1
The First Salary
“Where should my first ₹5,000 a month go?”
A SIP started early quietly compounds while life gets busy. Discipline first, products later. That is where every plan begins.
Age31
Chapter 2
The Wedding & The Home
“If something happens to me, who pays the EMI?”
Term cover sized to your loans and your family's years ahead. Pure protection, at the age it costs the least.
Age35
Chapter 3
Her First Day Of School
“Can I promise her college, no matter what?”
Children's plans time the money to the milestone, and keep the promise even if you are not there to keep it yourself.
Age44
Chapter 4
The Business Grows
“One hospital bill, one key person. How exposed are we?”
Health floaters for the family; key person and group covers for the business that feeds it. Growth needs guarding.
Age58
Chapter 5
The Last Working Years
“When the salary stops, what replaces it?”
A retirement corpus converted into income that arrives every month, the way a salary always did.
Age70
Chapter 6
The Legacy
“What I built, will it reach them intact?”
Whole life cover and clean nominations turn a lifetime of work into the next generation's foundation.
What We Do
Investments First. Protection Always.
Life insurance, general insurance, mutual funds, fixed deposits and bonds. Planned for every financial goal, wherever you are.
Plans & Protection
One Place For Investments And Insurance
Investments First
Investments For Every Financial Goal
Fixed Deposits
Predictable interest and defined investment tenure for stability-focused goals.
- Predetermined tenure and interest structure
- Predictable returns when held according to the terms
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Bonds
Debt investments offering income and repayment according to issuer terms.
- Government and corporate options may be available
- Fixed, floating or other interest structures
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Life Insurance
Protection Across Every Life Stage
Whole Life Plans
Long-duration protection designed for legacy and family security.
- Long-duration life protection
- Can support estate and legacy planning
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Endowment Plans
Life protection combined with disciplined long-term savings.
- Combines protection and savings
- Maturity benefit on survival
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Money Back Plans
Periodic payouts with continuing life insurance protection.
- Periodic survival benefits
- Continuing life cover
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Term Insurance
Pure protection designed to secure a family’s financial future.
- Protection-focused life cover
- Generally affordable compared with savings-oriented plans
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Children’s Plans
Goal-based planning for education and important milestones.
- Goal-based planning for a child’s future
- Benefits can be timed around major milestones
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Retirement Plans
Structured accumulation to help create a retirement fund.
- Encourages disciplined retirement saving
- Helps build a long-term retirement corpus
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Key Person Insurance
also commonly known as Keyman Insurance
Business protection against the loss of an important contributor.
- Helps protect business continuity
- Covers an important employee, director or contributor
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Group Life Insurance
Collective life cover for employees or organisation members.
- Covers multiple eligible members
- Operates through a master policy
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Pension and Annuity Plans
Regular-income solutions for financial independence after retirement.
- Supports retirement-income planning
- Immediate or deferred income options may be available
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ULIP — Unit Linked Insurance Plans
Life insurance combined with market-linked investment opportunities.
- Combines life cover and market-linked investment
- Choice of fund options may be available
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General Insurance
Cover For What You Have Built
Health Insurance
Financial protection against eligible medical and hospitalisation expenses.
- Individual and family-floater options
- Cashless treatment through eligible network hospitals
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Fire Insurance
Protection for property and assets against covered fire-related risks.
- Protection for buildings, contents, stock and machinery
- Suitable for residential and commercial property
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Marine Insurance
Protection for goods and cargo against covered transit-related risks.
- Protection for eligible goods in transit
- Domestic and international transit options
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Motor Insurance
Protection for private and commercial vehicles against covered risks.
- Third-party liability protection
- Own-damage or comprehensive options
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Group Health Insurance
Mediclaim protection for employees and eligible family members.
- Health cover for eligible employees or members
- Operates through a master policy
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Miscellaneous Insurance
Specialised protection for personal, professional and business risks.
- Personal Accident Insurance
- Travel Insurance
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Founder & Advisor
Mrs. Uma Jain
Mrs. Uma Jain leads URJAA Consultancy with over fifty years of trusted counsel. She helps families around the world plan education, retirement and life cover with clarity. She is a LIC certified advisor, MDRT life member and Chairman’s Club life member.
- LIC Certified Advisor
- MDRT Life Member
- Chairman’s Club
- Five Decades Of Counsel
Our Track Record
Decades Of Trust And Personal Service
01
Families Across Generations
Grandparents, parents, children. The same families keep coming back because the advice was built for them, not sold to them.
02
Decades Of Trusted Guidance
Steady counsel through every market cycle, every life event and every claim, with a felicitated MDRT-recognised advisor at the desk.
03
Protection For Every Life Stage
From the first SIP to the last nomination, insurance and investments stay aligned to the stage you are living right now.
Testimonials
Families Who Trust URJAA Consultancy
“In my opinion Financial and Insurance advisors are as important as a family doctor. We should trust them sincerely. Smt. Uma ji has justifiably earned that trust from us over the years. She is always available for any queries, questions, claims and requirements at any time of the day. She always gives an unbiased opinion with respect to investment/insurance plans to be chosen. She is always helping people, creatively solving problems. She has an amazing energy level which automatically rubs on you. Moreover she is a very good human being.”
Hall of Fame
Recognition Earned Over Decades
Certificates, trophies and moments of honor from LIC, MDRT and partner insurers. Recognition earned across five decades of service to families worldwide.
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Let’s Secure Your Family’s Tomorrow, Today
One conversation is all it takes to start. Tell us your goals for education, retirement or protection, and get a plan built around your family.
- 1
Tell us what matters
Pick the plan or goal you were reading about. It carries into your enquiry automatically.
- 2
We call you back
A real conversation with Mrs. Uma Jain's desk, not a call centre.
- 3
You get a clear plan
Options explained in plain words. No jargon, no obligation.
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News & Blog
Stay Informed. The Latest From URJAA Consultancy
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