Insurance Distribution
Term and health insurance sized to what you actually owe and who depends on you — compared across insurers on price and claim experience, not on which policy pays us the most.
Last updated 14 August 2026
What we help with
- Term life insurance — cover sized to outstanding loans, dependants’ expenses and income replacement, not a round number.
- Term insurance comparison across insurers on premium, claim settlement ratio and claim experience.
- Health and family floater plans — individual, family floater and top-up structures.
- Annual policy health check — cover that made sense five years ago rarely still fits; we flag when it doesn’t.
How we think about it
Insurance is protection, not an investment, and we treat it that way. We do not recommend investment-linked insurance plans (ULIPs, endowment) as a substitute for a mutual fund or as the primary way to buy protection — a pure term plan is almost always the cheaper, more efficient way to buy the cover itself, with any investing done separately. If your existing policy is a combined product, we will tell you plainly how it compares to buying the two separately.
How we work
- Work out actual cover needed — loans outstanding, years of dependants’ expenses, existing cover.
- Shortlist insurers on premium for that cover, claim settlement ratio, and claim experience we’ve seen directly.
- Handle the application, medical tests where required, and policy issuance.
- Revisit annually, or whenever income, loans or dependants change.
How we are paid
We are a licensed insurance distributor and earn commission from the insurer on policies placed through us. This is standard for how insurance is sold in India and does not change your premium versus buying directly from the insurer. We disclose which insurers we work with and why a particular one is shortlisted for you. Full detail in our disclaimer.
Insurance is a subject matter of solicitation. Please read the policy wording, exclusions and claim process carefully before purchase.