A term plan pays out on the worst day of your family's life — to people who may never have seen the policy. Claims fail on small things done years earlier: a smoking habit not disclosed, an income figure inflated, a nominee's name spelled differently from their Aadhaar. We get those details right on day one.
Honest by default
Our claim promise
We register your family's claim ourselves: death certificate, claimant documents, insurer coordination, follow-up until payout. Your nominee will know our name and number before they ever need it — that's part of how we onboard every term client.
Questions
A common starting rule is 10–15× annual income {{VERIFY with client}}, adjusted for loans and children's education. We'll compute your number on a call — it takes 15 minutes.
With us, they won't have to figure it out. Your nominee gets our claims line at onboarding, and we file and chase the claim for them.
Yes, always. The premium difference is small; a claim rejected for non-disclosure is total. Honesty at purchase is the whole game.
For some families, yes; for others it's half the need. Cover depends on income, loans, and dependents — not on the roundness of the number.
Term plans lapse after the grace period, and a lapsed policy pays nothing. We track our clients' renewals and remind you before that can happen.
For pure protection at honest cost: term, almost always. If an agent is pushing a savings-cum-insurance plan, ask them what it returns versus term + a mutual fund SIP. We'll show you the same math.