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What is life insurance?

Life insurance is a legal contract between you and an insurer: in exchange for regular premiums, the insurer pays a defined sum to your nominees if you pass away during the policy term. For families that depend on your income, it is the single most important financial product — not because of returns, but because of what it replaces.

Life insurance protection

Claim settlement

96.4%

assisted claims settled

Why life insurance

Four things cover actually does.

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.

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.

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.

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.

Our life insurance plans

Every life stage has its plan.

Traditional Plans

Guaranteed savings + protection, in one policy

Know more →

ULIPs

Market-linked growth with a life cover wrapper

Know more →

Term Insurance

Maximum life cover at the lowest premium

Know more →

How it works

From conversation to cover in days, not weeks.

01

Audit existing cover

We review all existing policies, riders and liabilities. Most clients are either underinsured or holding the wrong product.

02

Quote from 14 insurers

You see a side-by-side comparison from all 14 insurers — premium, claim settlement ratio, exclusions and solvency margin.

03

Application & medicals

We handle the proposal form, arrange medicals if required, and manage underwriting queries on your behalf.

04

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.

Frequently asked

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.
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