1. Who are we? We are licensed insurance advisors dedicated to helping individuals and families choose the right Life, Term, and Health Insurance plans based on their needs. 2. What services do we provide? We offer personalized guidance, plan comparison, claim support, and complete assistance in choosing the right insurance policy. 3. Why should I choose your services? We provide honest advice, transparent information, and end-to-end support so you can make confident financial decisions. 4. Are you certified or authorized? Yes, we are trained and certified insurance advisors with the required licenses to guide and assist customers. 5. Do you charge any fees? No. Our consultation and guidance are completely free. You pay only for the insurance policy premium. 6. How do you help in selecting the right plan? We analyze your age, financial goals, health profile, and budget to recommend the best plan with maximum benefits. 7. Do you provide claim support? Yes. We assist throughout the claim process, ensuring your family receives timely support and settlement. 8. Can I contact you anytime? Absolutely. We are available through call, WhatsApp, and email for all insurance-related queries. 9. Do you offer multiple companies? Yes, we compare policies from leading insurers so you get the best coverage at the best price. 10. Is my information safe with you? 100%. We follow strict privacy standards and never share your data with anyone. If you want, I can also customize these FAQs specifically for: ✔ Term Insurance ✔ Health Insurance ✔ Life/Investment Plans ✔ Claims Assistance ✔ Your personal branding
Quick ContactA: Yes sir, 100% guaranteed. In guaranteed return plans, the company clearly states the exact amount you will get at maturity, in writing, before you start paying. The amount will not change even if interest rates change, stock market falls, or economy goes up or down. It’s the safest long-term savings option after bank deposits — with tax benefits and insurance cover added.
A: Absolutely sir. From the very first day of policy issuance, any kind of death — accidental, natural, illness — is fully covered. The only exception is suicide in the first 12 months, otherwise full sum assured is paid without any waiting period. That’s why term insurance is the most important financial protection tool for your family.
A: Waiting period means a time during which certain illnesses cannot be claimed. Every company has this rule. For example: 30 days for first-time sickness 1–2 years for specific treatments (like hernia, cataract) 2–4 years for pre-existing diseases Once the waiting period is completed, full coverage is available. Health insurance is for long-term protection, so waiting period is normal and applies to everyone.
A: ULIP is flexible, not risky. You can choose where your money goes: Equity (higher growth) Debt (safer) Balanced (medium risk) And you can switch funds anytime, free of cost, without tax. This means you control the risk. ULIP becomes safe if you stay invested long-term and use smart fund switching.
A: Insurance companies in India are regulated by IRDAI, the highest financial authority. They must maintain strict claim guidelines, reserve funds, audits, and legal compliances. Reputed companies like HDFC Life, LIC, ICICI have 97–99% claim settlement ratios. If documents and medical disclosures are correct, the company cannot reject the claim. Your family is fully protected by both the company and Indian law.
A: “No, your premium remains fixed for the entire policy tenure. If you choose a 30-year term plan at age 30, the premium you pay today stays exactly the same until age 60. It does not change due to age, market conditions, or health changes after the policy is issued. This is why buying term insurance earlier is more beneficial—you lock the low premium for life.”