Life Insurance
The one policy that lets your family sleep peacefully.
If you have anyone who depends on your income — spouse, kids, ageing parents — life insurance is non-negotiable. A pure term plan replaces your earning potential for a fraction of a percent of it. We help you pick the right cover amount, right tenure and right insurer — without the sales-driven ULIP push most agents default to.
What it is
Financial protection for the people who depend on you
Plain-language explainer. No jargon, no fine-print traps.
IRDAI-licensed advisory across 20+ insurers
Term-first philosophy — investment products only when they fit
Claim-settlement-ratio-checked insurer shortlist
Lifetime claim assistance — we file with you, not around you
Who it's for
If this sounds like you, we should talk.
Our approach
How we do this differently
Principles we don't compromise on — even when a shortcut looks tempting.
Term before anything else
Cheapest per-lakh cover. Pure protection. We recommend term as the foundation for 95% of families before considering anything savings-linked.
The right cover, not the maximum cover
Rule of thumb: 15–20x annual income + all outstanding loans − existing assets. Not a random ₹1cr figure.
Claim-settlement first, premium second
We only recommend insurers with claim-settlement ratios above 97%. Cheap premiums mean nothing if the claim gets rejected.
Disclosure discipline
Every medical condition, income source and habit is disclosed. Non-disclosure is the #1 reason claims get rejected — we don't play that game.
The menu
Sub-categories inside Life Insurance
Every one of these is available — we recommend only what actually fits your situation.
Term insurance
Pure protection at the lowest cost. ₹1cr cover often costs less than a monthly OTT bundle.
Return-of-premium term
Costlier variant that returns premiums if you survive. We rarely recommend it — mostly for peace-of-mind buyers.
Endowment / Money-back
Traditional savings + insurance. Suits ultra-conservative long-term savers only.
ULIP
Market-linked cover. Considered only when tax structure and 10+ year horizon truly fit.
Child plans
Guaranteed corpus tied to your child's education milestones — with waiver-of-premium rider.
Retirement / Annuity
Deferred and immediate annuities for guaranteed monthly income post-retirement.
Getting started
From first call to live coverage — usually within a week
- 01Step 1
Cover calculation
We compute your ideal sum assured based on income, dependents and liabilities — takes 10 minutes.
- 02Step 2
Insurer shortlist
We compare 4–5 insurers on premium, claim-settlement ratio, rider quality and grievance record.
- 03Step 3
Medicals & underwriting
We coordinate your medical tests, ensure full disclosure, and follow up until the policy is issued.
- 04Step 4
Lifetime servicing
Annual review of your cover as income grows, plus claim-time assistance we handle end-to-end.
Costs & transparency
What you pay — and where we earn
No hidden fees. No side commissions we hide from you.
Premium
Paid directly to the insurer. A healthy 30-year-old male gets ₹1cr term cover from ~₹800/month.
Our commission
Standard IRDAI-mandated commission, embedded in your premium. We disclose the exact percentage in your quote.
No hidden fees
No advisory fee, no fitness fee, no 'processing charges'. What you see in the illustration is what you pay.
Common questions
Life Insurance — everything people ask us
How much cover do I really need?
As a rule: 15–20x your annual income plus outstanding loans, minus liquid assets. For a 35-year-old earning ₹15L with a ₹40L home loan, that's roughly ₹2.5–3cr.
Term or ULIP?
For 95% of buyers, term. ULIPs mix insurance and investment — usually doing both jobs poorly. Buy term, invest the difference in mutual funds.
Which insurer has the best claim record?
We track IRDAI's annual claim-settlement ratios. LIC, HDFC Life, Max Life and ICICI Pru consistently score above 98%. We share the current data before recommending.
Should I hide my smoking / medical condition?
Never. Non-disclosure gets the claim rejected. Honest disclosure raises premium ~30% but keeps the claim valid — a much better trade.
What is a rider — do I need one?
Riders add specific covers (accident, critical illness, disability). We recommend Waiver-of-Premium and Critical Illness riders selectively.
Can I buy term insurance online myself?
Yes, and it's often cheaper. But underwriting rejects happen — our value shows up in navigating those, and at claim time.
What happens at claim time?
Your nominee calls us. We coordinate the claim form, documentation, hospital records and insurer follow-up until the amount is credited. Every single claim we've handled has been paid.
Talk to a Rajagopuram advisor
Ready to start with Life Insurance?
Share your details — a human advisor calls you back within one business day. No spam, no auto-dialer.
