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Audit existing cover
We review all existing policies, riders and liabilities. Most clients are either underinsured or holding the wrong product.
Life Insurance
Life insurance, chosen the right way not sold the easy way.
Term, ULIP, endowment, child and retirement plans compared across 14 insurers — so the cover you buy actually matches your income, liabilities and family's needs, not a salesperson's target.
14+
Insurers compared
96.4%
Avg. claim settlement (assisted)
₹120 Cr+
Claims settled since 2019
Why life insurance
Four things cover actually does.
Most people buy life insurance for the wrong reasons — returns, tax saving, investment. Here's what it's actually for.
Income replacement
Your term plan replaces your annual income for dependants if you're no longer around. Cover is sized at 15–20× your annual income.
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Tax savings
Premiums qualify for deduction under Section 80C (up to ₹1.5L/year). Maturity proceeds are tax-free under Section 10(10D) subject to conditions.
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Critical illness cover
Diagnosed with cancer or cardiac event? A standalone CI rider pays a lump sum immediately — independent of treatment cost — so you can focus on recovery.
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Loan & liability cover
Your outstanding home loan, car loan and credit card balances become a burden for your family if you pass away. Term cover ensures they don't.
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Flexibility
Security
Long-term growth
Our life insurance plans
Every life stage has its plan.
Six product categories — compared side by side across 14 insurers. The right one depends on your age, income, dependants and existing liabilities.
How it works
From audit to claim, in four steps.
A structured process most insurance buyers never get — from an honest cover audit to a dedicated claims desk that stays with you until the claim is settled.
Simple processHassle-free claims
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Quote from 14 insurers
You see a side-by-side comparison from all 14 insurers — premium, claim settlement ratio, exclusions and solvency margin.
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Application & medicals
We handle the proposal form, arrange medicals if required, and manage underwriting queries on your behalf.
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Claim support
If the worst happens, our dedicated claims desk takes over entirely. Last 5 years: 96.4% of assisted claims settled at first submission.
FAQs
Frequently asked
questions.
Common questions, honestly answered.
Start with 15× your annual income plus all outstanding loans, plus ₹5L per dependant. Our goal calculator above does this automatically. We then refine it in conversation — accounting for existing assets, spouse's income and expected lifestyle inflation.
For most people, a pure term plan + a separate SIP-based investment portfolio outperforms a ULIP on cost, flexibility and transparency. ULIPs make sense for a narrow set of long-horizon, high-tax-bracket investors who want forced savings discipline with insurance. We will tell you which camp you're in.
Most policies have a 30-day grace period. After the grace period, the policy lapses. You can revive within 5 years (2 years for some plans) with a fresh medical and arrears. We track renewal dates for all our clients and remind you 45 days in advance.
Yes — and it's arguably the most important thing we do. We have a dedicated claims desk. The family calls us, not the insurer. We handle all paperwork, follow-ups and escalations. Our 96.4% first-submission settlement rate reflects that.
Yes. A standalone critical illness plan gives you a tax-free lump sum on diagnosis of conditions like cancer, heart attack, stroke, kidney failure, major organ transplant and 30+ others. We recommend it as a separate policy rather than a rider for maximum coverage.
Yes — always. Most insurers pull your past claims from the insurance information bureau (IIB). Blood tests and medicals are arranged for high-cover amounts (typically ₹50L+). Disclosing pre-existing conditions is not just ethical — it protects your claim.
Clear answers. Better decisions.
Expert Guidance
Get a free life insurance consultation
Tell us about your income, dependants and existing cover — we'll tell you exactly what you need, and compare it across 14 insurers at no cost.
Disclaimer: Insurance is the subject matter of solicitation. Please read the policy wordings carefully before purchasing. Tax benefits are subject to changes in applicable tax laws. The company reserves the right to accept or reject any proposal at its sole discretion. Claim settlement is subject to policy terms and conditions. Pingale Financial Services · IRDAI Corporate Broker License No. CB-XXXXXXX/XX/2024.