Term cover that actually pays out when your family needs it.
We size the cover to your real income, loans and responsibilities, make sure every disclosure is on record so the claim can’t be questioned later, and stand with your family on the one day the policy has to work.
The checklist
What a good term plan should look like
The things worth checking before you sign anything.
Cover check
How much cover would your family need?
A quick working range, in thirty seconds. All figures in ₹ lakh.
Indicative cover gap
A rule of thumb, not advice. Your actual number depends on your assets, dependants and goals — we’ll do the full working with you on the call.
How it works
How a free consultation works
Three steps. No commitment, no pressure to decide on the call itself.
Free consultation
Fifteen minutes on your income, loans, dependants and any cover you already hold — no cost, no obligation.
Cover sizing & purchase
We work out the right sum assured and term, compare live quotes across insurers, and handle the medicals and paperwork with you.
Year-round support
Renewal reminders, nominee updates, cover reviews as life changes — and, if it ever comes to it, we walk your family through the claim.
Replace bracketed figures with verified numbers before publishing.
From families we’ve helped
A few notes from people we’ve worked with, lightly edited for length.
“I assumed my employer’s cover was enough. They showed me the gap in ten minutes, and we fixed it the same month — for less than I expected.”
“They insisted I declare my father’s cardiac history and my old surgery. The premium moved slightly. Nothing for anyone to argue about later.”
“After my husband passed, they handled the entire claim file. I signed what I had to sign. Everything else was done for me.”
FAQ
Questions, answered plainly
What people usually ask before their first call.
Does your help cost anything?
No. As a licensed intermediary, we’re paid by the insurer — your premium is the same whether you buy through us or direct. The difference is you get advice, paperwork help, and claim support.
How much cover do I actually need?
A workable starting point is 10 to 15 times your annual income, plus outstanding loans and the cost of your children’s education, minus the cover and assets you already have. The cover check above gives you a range in thirty seconds; on the call we do the proper working, including inflation and your spouse’s income.
Isn’t my employer’s group cover enough?
Rarely. Group cover is usually one to three times your salary, it ends the day the job does, and it can’t be carried into your next role or into retirement. It’s a useful top-up — not a substitute for a policy you own.
Will I have to take a medical test?
Above a certain sum assured, usually yes. That’s a good thing: a medically underwritten policy is far harder for an insurer to contest later. Most insurers now offer tele-medicals and home visits at a time that suits you.
What if I smoke, or have a health condition?
Declare it. The premium may be higher, but non-disclosure is the single most common reason claims are contested or rejected. We’ll find you the insurer that prices your profile most fairly.
I’m an NRI — can I buy term cover in India?
Yes. Indian term plans are often significantly cheaper than equivalent cover in the Gulf, UK, US or Singapore, and the claim is paid in India to your nominee. Some insurers issue during a visit; others accept remote underwriting with a tele-medical. We help NRIs across all four regions get this right.
Should I take return-of-premium?
Usually not, if the goal is protection. Return-of-premium plans cost considerably more for the same cover — the difference invested separately typically does better. We’ll show you both numbers and let you decide.
Find out what your family would actually need
Fifteen minutes to see how much cover is right, what it costs, and which insurer suits your profile — no pressure to buy on the call.