Protect Today.
Secure Tomorrow.
Personalized Insurance & Investment Solutions for a Secure Financial Future.
Insurance & Investment Consultant
With 20+ years of experience, I help families build stronger financial foundations through insurance, financial planning and disciplined investment strategies.
Your Financial Future Deserves a Plan
At ND & Associates, we believe that true financial security is not left to chance—it is built on a strong, structured foundation.
Led by Narayan Dhage, an Insurance & Investment Consultant with over two decades of dedicated practice, ND & Associates helps individuals and families understand their exact financial position, protect their income and loved ones against life's uncertainties, systematically fund major life milestones, and build long-term multi-generational wealth.
Personalized Financial Solutions
Tailored advisory services designed to shield your family, grow your capital, and secure your future with disciplined planning.
LIFE INSURANCE
“Secure your family's future with the right protection.”
- Pure Term Insurance Protection (20× Income Rule)
- Guaranteed Family Income Replacement Plans
- MWPA (Married Women's Property Act) Ring-Fencing
- Critical Illness & Accidental Disability Riders
HEALTH INSURANCE
“Quality healthcare protection with financial security.”
- Comprehensive Family Floater Coverage
- Super Top-Up Coverage to Beat Medical Inflation
- Restoration Benefits & No-Claim Bonus Buffers
- Cashless Hospitalization Network Assistance
CHILD EDUCATION
“Plan today for your child's bright tomorrow.”
- Inflation-Adjusted Higher Education Goal Sizing
- Guaranteed Milestone Funding Architectures
- Waiver of Premium (WOP) Education Security
- Strategic SIPs for Long-Term College Funds
RETIREMENT PLANNING
“Build a retirement strategy for a financially secure future.”
- 300× Monthly Expense Retirement Sizing Model
- Guaranteed Lifetime Pension & Annuity Structuring
- Inflation-Beating Cash Flow & SWP Strategy
- Health & Long-Term Care Buffer Integration
INVESTMENTS & SIP
“Grow your wealth with disciplined long-term investing.”
- Disciplined Systematic Investment Plans (SIP)
- Multi-Asset Allocation (Equity, Debt & Gold)
- Rupee-Cost Averaging & Power of Compounding
- Portfolio Rebalancing & Goal Progress Tracking
Core Advisory Foundations
Four integrated pillars powering every customized recommendation from Narayan Dhage
Our Key Institutional Associates
Direct access to official client portals of leading financial, insurance, home finance, and investment institutions associated with ND & Associates.
LIC OF INDIA
Life Insurance Corporation of India
India's premier sovereign life insurer providing term assurance, endowment plans, pension schemes, and family income protection.
CARE HEALTH INSURANCE
Specialized Health & Critical Care
Leading standalone health insurer delivering comprehensive family floater protection, cashless hospital networks, and super top-up plans.
New India Assurance co.Ltd
National Non-Life & Asset Protection
India's largest government-owned general insurance corporation covering private & commercial motor vehicles, properties, fire, and transit risks.
LIC HFL
LIC Housing Finance Limited
Trusted housing finance company providing competitive home loan interest rates, plot purchases, construction financing, and balance transfer options.
AMFI
Association of Mutual Funds in India
Apex regulatory organization of SEBI-registered mutual funds in India guiding disciplined Systematic Investment Plans (SIP) and investor awareness.
Financial Rule-of-Thumb Calculators
Estimate your life protection needs, retirement targets, emergency reserves, and SIP growth using proven financial planning formulas.
Financial Health Checkup
“Financial Fitness for a Stress-Free Life!” — Complete this 5-step confidential assessment to evaluate your family protection, loan exposure, retirement readiness, and wealth growth score.
Why Families Trust ND & Associates
With 20+ years of dedicated service in Chandrapur, we stand beside our clients across every life milestone.
20+ Years Proven Track Record
Over two decades of continuous advisory experience navigating market fluctuations and economic cycles for family security.
1500+ Families Protected
Long-standing relationships with 1500+ households across Chandrapur and Maharashtra who trust us with their financial legacy.
₹200 Cr+ Sum Assured Managed
Massive risk management portfolio ensuring robust financial protection against life's unforeseen emergencies.
Personalized Goal-Based Planning
No one-size-fits-all templates. Every strategy is tailored specifically to your family income, aspirations, and risk capacity.
Dedicated Claim Assistance
We stand shoulder-to-shoulder with families during difficult times to ensure quick, hassle-free insurance claim processing.
Local Presence in Chandrapur
Direct access to Narayan Dhage for face-to-face consultation, policy reviews, and lifelong trusted advisory support.
Schedule a Personal Consultation
Take the first step toward securing your family's future. Connect directly with Narayan Dhage in Chandrapur.
ND & ASSOCIATES
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