Stop Buying Insurance. Start Solving Needs.

Most Indians are under-insured or have wrong insurance products. An insurance assessment helps identify coverage gaps, eliminate unnecessary policies, and optimize your insurance portfolio. Our IRDA authorized consultants analyze your needs objectively, without sales pressure, to recommend the right products at the right price.

Our free insurance portfolio review (worth ₹15,000) includes: analysis of all existing policies, identification of coverage gaps, assessment of premium vs coverage ratio, recommendations on policy continuation or exit, suggestions for optimal coverage amounts, and comparison of insurance companies based on claim settlement ratios. You'll receive a comprehensive report within 48 hours.

Most insurance is sold as 'investment + insurance' products (ULIPs, Moneyback, Endowment) which provide low coverage at high premiums. Agents earn high commissions on these products, leading to mis-selling. Pure term insurance, which provides adequate coverage at low cost, is rarely recommended. Our assessment helps you get the right coverage without unnecessary investment components.

Not all policies should be exited immediately. We analyze each policy based on surrender value, premium paid, remaining term, and opportunity cost. If you're in the early years with high surrender charges, we may recommend continuing with reduced premium. If you're paying high premiums for low coverage, we'll suggest an exit strategy and replacement with term insurance. Every case is evaluated individually.

Term insurance coverage should be 10-15 times your annual income, or enough to cover: outstanding loans, children's education expenses, family's living expenses for 10-15 years, and other financial obligations. Our Human Life Value calculation determines your exact coverage requirement based on your unique financial situation.

The best time to buy health insurance is NOW, regardless of age. Premiums increase with age, and pre-existing conditions can lead to rejection or higher premiums. If you're under 35, you get the lowest premiums. Don't wait for health issues to arise - secure coverage early when you're healthy and premiums are affordable.

No. Employer health insurance has limitations: it ends when you change jobs, coverage may be insufficient for family needs, it doesn't cover you after retirement, and group policies may have sub-limits. We recommend having a personal health insurance policy as primary coverage, with employer insurance as supplementary protection.

We analyze insurance companies based on four critical parameters: Claim Settlement Ratio (should be >90%), Solvency Ratio (financial stability), Grievance Resolution Rate (customer service quality), and Persistency Ratio (policy retention). Only companies meeting our strict criteria are recommended to clients.

We are IRDA authorized consultants with no sales targets. Our assessment is objective, focusing on your needs rather than commissions. We recommend pure protection products (term insurance) over investment-linked policies. We analyze claim settlement ratios and company stability. Most importantly, we help you exit wrong policies and optimize your insurance costs while improving coverage.

The initial consultation takes 60-90 minutes where we gather information about your existing policies, health status, income, and financial obligations. The analysis and report preparation takes 2-3 business days. You'll receive your free insurance portfolio review report within 48 hours, followed by a detailed discussion of recommendations.