Term cover that pays out — on the day it has to.
Honest sum-assured maths. No rider clutter, no investment-linked wrappers, no commission games. Run by Bishan — 25 years in insurance — with claims support that doesn't vanish after the sale.
Three rules we don't bend.
No ULIPs, no endowment, no money-back. If you want investing, that's mutual funds — a different conversation.
We build the cover to the household — typically 12–18× annual income — before we look at which insurer can write it.
When a claim comes, we sit with the family. Forms, hospital records, surveyor coordination — the whole way through.
What a term placement actually looks like.
- DAY 0
Free 15-minute consult
Tell us about the household — income, dependants, debts, existing cover. We work out a target sum-assured.
- WEEK 1
Underwriting shortlist
We narrow to two insurers based on age, health, occupation and load tolerance. You see the comparison side-by-side.
- WEEK 1–2
Medicals and disclosure
We accompany you through the medical, and review every form before submission. Full disclosure is non-negotiable.
- WEEK 2–4
Policy issued
Soft-copy on the day, hard-copy by post. We keep the file. When something happens, you call us first.
Bishan Kumar Agarwal
Health & term insurance — 25+ years
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Bishan handles every term file personally.
Twenty-five years means he's filed enough claims to know which insurers actually pay out cleanly under stress. That stays the most important variable.
WhatsApp BishanTell us a bit about your household.
Five short questions — we'll come back inside two business hours with a target sum-assured and two insurer shortlists.
Start the conversation