Insurance · Life
Get this one right first
If someone depends on what you earn, this is the first policy to buy and the one most often bought wrong — too small, or bundled with an investment that serves neither purpose well.
Get a life insurance quoteCall +91 88067 78771
What we arrange
Most people need the first one. The others solve narrower problems and cost considerably more.
The largest cover for the smallest premium. Nothing comes back if you survive the term — which is exactly why the cover is so large.
Term cover that refunds your premiums at the end. It feels better and costs roughly two to three times more for the same cover.
Insurance and market-linked investment in one product. Sometimes appropriate, frequently missold as a savings scheme.
Plans that convert a corpus into a regular income after you stop working.
Worth saying plainly
More people have been sold an endowment or money-back policy as a "savings plan" than any other financial product in this country. They typically return 4–6% and provide cover far too small to matter — worse than a fixed deposit at protecting, and worse than a mutual fund at growing.
If you hold one, bring it. We will tell you honestly whether to keep it, make it paid-up, or surrender it — and that answer is genuinely not always "surrender".
FAQ
How much cover do I need?
A common starting point is ten to fifteen times annual income plus outstanding loans, less cover you already hold. Our term cover calculator works it from your actual numbers rather than a rule of thumb.
Will a claim actually be paid?
Insurers publish a claim settlement ratio and the large ones now settle well above 98%. The overwhelming cause of rejection is non-disclosure — an undeclared health condition or habit. Declare everything, including tobacco. A slightly higher premium is not worth a refused claim.
Is a medical test needed?
For meaningful cover, usually yes, and that is in your favour: a policy underwritten on a medical is much harder to contest later than one issued on your word alone.
Should I buy online instead?
You can, and the premium is similar. What you are choosing is whether someone helps your family claim on it. That is the part that matters on the one day the policy is used.
Fifteen minutes on the phone, or start the application.
Get a life insurance quote Call +91 88067 78771
Application forms are being finalised. Until they are live, call or email us and we will start your application directly.