More life insurance is mis-sold in India than any other financial product — ULIPs pitched as "mutual funds with insurance", endowment plans returning less than an FD, surrender values discovered too late. As a broker paid no matter which insurer you choose, we have exactly one incentive: tell you the truth.
Plain English
Insurance + guaranteed savings. Safe, but returns commonly trail inflation {{VERIFY}}. Suits the very conservative — rarely the first thing a young earner needs.
Market-linked with a 5-year lock-in. Improved in recent years, but charges and lock-in mean they fit specific situations, not everyone.
Cover to age 99+. Useful for estate and legacy planning; unnecessary for most working families.
Already hold a policy you're unsure about? We do free policy reviews — including telling you to keep a good one.
Our claim promise
Maturity tracking, survival-benefit reminders, surrender-value math before you exit anything, and death-claim handling for your family — the same named advisor throughout.
Questions
Sometimes — for disciplined investors past the lock-in who value the tax treatment. For most people, term + mutual fund SIP beats it on flexibility and returns. We'll show you both projections side by side.
We ran this comparison for a client last month {{PLACEHOLDER: real example}} — the SIP route built more wealth with full liquidity. Ask us and we'll run your numbers.
Usually yes, but the surrender value may be a fraction of premiums paid — check first. Sometimes a paid-up conversion hurts less. Bring the policy; we'll compute your options.
People with estate-planning needs, dependents with lifelong disabilities, or business succession requirements. If that's not you, we'll say so.