Insurance
Cover that holds when you need it
Protect first. Grow after.
Term, health, motor, shop, fire, marine and guaranteed income. You tell us who you are protecting and against what. We come back with the plans that actually fit, from six insurers, not one.
Start your insurance applicationCall +91 88067 78771
What we arrange
Five kinds of cover
Most people need two or three of these. Very few need all five, and we will tell you which is which.
Life insurance
The cover that replaces your income if you are not there. This is the one to get right before anything else.
- Pure term — the largest cover for the smallest premium
- Term with investment, where you want both in one plan
- ULIP and market-linked investment plans
- Retirement and pension plans
Health insurance
Chosen by life stage rather than by product name, because a 32-year-old and a 62-year-old need different things from the same word.
- Children and young families
- Working adults, individual or floater
- Mid-age, where pre-existing conditions start to matter
- Senior citizens, including plans that still accept new entrants
General insurance
The everyday cover. Cheap, quick, and the reason a bad week does not become a bad year.
- Personal accident
- Travel, domestic and international
- Motor — car, two-wheeler, commercial
Business insurance
If you own the premises, the stock or the goods in transit, this is the cover that keeps a single incident from ending the business.
- Commercial and liability
- Shop and small-business packages
- Fire and allied perils
- Marine transit
Guaranteed income plans
A fixed, contracted payout for a fixed term. Returns are lower than the market and that is the point — the number is known on the day you sign.
- Guaranteed payouts, stated in the policy
- Useful alongside market-linked investments, not instead of them
How it works
Four steps, and we do three of them
-
You tell us the situation
Who depends on your income, what you already have, and what you are worried about. Fifteen minutes, on the phone or in person.
-
We compare the panel
Six insurers, priced for your age, health and city. You see what each one costs and where they differ — including where the cheap one is cheap for a reason.
-
We carry the paperwork
Forms, KYC, medicals where needed, and the follow-up with the insurer. This is the part most people give up on.
-
You stay covered
Renewals, endorsements and — the part that matters — help with the claim. A policy nobody helps you claim on is a receipt, not cover.
Worth saying plainly
We will tell you when not to buy
A large part of what we do is undoing policies people were sold by someone paid to sell that one policy. Investment products dressed as insurance. Cover far too small to matter. Premiums nobody could sustain.
If you already hold something and want an honest read on whether to keep it, ask. That conversation is free and it does not end in an application unless it should.
Our panel
Who sits behind the desk
We are a distributor and broker, not an insurer or a lender. Policies are issued and underwritten by the companies above, and loan approval and terms rest entirely with the lending institution. What we do is match you to the right one and carry the paperwork.
FAQ
Questions people actually ask
How much life cover do I actually need?
A common starting point is ten to fifteen times your annual income, adjusted for loans outstanding and how many years your dependants still need support. We work it out against your actual numbers rather than a rule of thumb.
Is term insurance a waste if I outlive it?
You are buying protection for a period, the same way you buy motor insurance for a year. Nothing comes back at the end, which is exactly why the cover is so large for the premium. If you want money back, that is a different product and it costs considerably more for the same cover.
Do you charge me a fee?
No. We are paid a distribution commission by the insurer, which is built into the premium whether you buy through an advisor or direct. It costs you the same either way.
Can I get health insurance with a pre-existing condition?
Usually yes, with a waiting period before that condition is covered — typically two to four years depending on the insurer and the condition. Declaring it is essential. An undisclosed condition is the single most common reason a claim is refused.
What if my claim is rejected?
We help you contest it. That means getting the insurer’s reason in writing, checking it against the policy wording, and escalating to the Insurance Ombudsman if the refusal does not hold up.
Which insurers do you work with?
Six, listed above. We are not tied to any one of them, which is the whole reason a panel is worth having.
Get covered properly
Start the application, or call and talk it through first. Either is fine.
Start your insurance application Call +91 88067 78771
Application forms are being finalised. Until they are live, call or email us and we will start your application directly.