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Insurance services* · On your side

Cover that’s clear, unbiased, and on your side.

We help you choose the right insurance in plain language — compare the market, understand the trade-offs, and get real help when you need to claim.

[IRDAI registration]Multiple insurers comparedNo-pressure adviceClaims support includedDPDP-aware

Buying insurance shouldn’t feel like being sold to.

Most people end up with cover they don’t fully understand — chosen on price, or on whatever an agent pushed hardest. When a claim comes, the gaps show. We do it the other way around: your needs first, the market second, and the fine print explained before you commit.

The cover you assume isn’t always the cover you have.

Cover quietly falls behind as life grows — a new home, a bigger loan, more people counting on you. Here’s the gap, and how we help close it.

[X]%

of families are underinsured

Most families hold less protection than they think. The gap is what a claim exposes.

  • Protection actually held (~35%)
  • What people assume (~60%)
Illustrative only

[ILLUSTRATIVE_COVERAGE_DISCLAIMER]

Illustrative coverage gap: a typical family assumes roughly 60% protection but actually holds about 35%. The 25percentage-point difference is the coverage gap exposed at claim time.

Get a feel for the cost — in seconds

Slide, don’t submit. An indicative range for the cover you need — no forms, no calls, and never a quote until you ask for one.

32 years
₹12.0 L
15× income10–20× annual income is a common rule of thumb.
25 years

Indicative annual premium range

₹15,300 ₹22,900

₹1,300₹1,900 a month, for ₹1.80 Cr of life cover over 25 years.

  • Buying earlier locks in a lower age band — premiums rise with every birthday.
  • The real number comes from insurer underwriting — we help you compare before you commit.
Indicative only — not a quote

Indicative range only — not an offer, quote or premium guarantee. Actual premiums depend on insurer underwriting: health, lifestyle, occupation, medical history and the product you choose. [ESTIMATOR_DISCLAIMER]

Why families choose us

Unbiased by design

We're a broker, not a single insurer's agent. We compare the market and show you the trade-offs — including when the cheaper plan is the right one.

Plain language, always

Waiting periods, exclusions, sub-limits — explained before you buy, in words that mean something. No fine-print surprises.

With you at claim time

The moment cover matters most, we're on the phone with you — not a call-centre queue. We see your claim through, start to finish.

Find the level that fits

More cover costs more — but the cheapest plan isn’t always the right one. Compare premium against protection, plainly.

Essential
Cover₹[X] L cover
Premium₹[X]/yr
FamilyPopular
Cover₹[X] L cover
Premium₹[X]/yr
Comprehensive
Cover₹[X] L cover
Premium₹[X]/yr
Illustrative only

[ILLUSTRATIVE_PREMIUM_DISCLAIMER]

Illustrative premium and coverage by plan tier
TierPremiumCover
Essential₹[X]/yr₹[X] L cover
Family₹[X]/yr₹[X] L cover
Comprehensive₹[X]/yr₹[X] L cover

What your life stage needs

Cover should match your life. Pick where you are — see where to focus first.

Dependants now rely on you — cover the people you love.

HealthEssential
Term lifeEssential
Critical illnessRecommended
MotorRecommended
Illustrative guidance

Illustrative guidance only — not personalised advice. [ADVISORY_DISCLAIMER]

When you claim, you’re not alone

The part that matters most, handled with you — start to finish.

  1. Step 1

    File

    You tell us — one call or message. We open the claim.

  2. Step 2

    Assess

    We compile documents and liaise with the insurer for you.

  3. Step 3

    Approve

    We track the assessment through to a decision.

  4. Step 4

    Settle

    Funds reach you; we confirm everything is closed.

[X]days — average claim settlement time, end to end.

How it works

01

Tell us about you

A short conversation about your family, your obligations and what you want to protect.

02

We compare the market

We shortlist plans across insurers and lay out the honest trade-offs.

03

You choose, clearly

You decide with the full picture — strengths, gaps and real cost.

04

We handle the claim

If you ever need to claim, we walk it through with you.

[N]+policies facilitated
[X]%claim-assist success rateillustrative
[N]+insurers partnered
[N] hrstypical callback time

“[Testimonial placeholder — a real client’s words about feeling understood and properly covered, attributed by role/profile once approved.]”

[Name / profile], [city]

Let’s find your cover.

Share a few details and an adviser will call you back within one working day — no obligation, no jargon.

Your details are used only to respond to your enquiry.
*Lead Generator — KVJ Agile Care acts as a lead generator for licensed insurers and intermediaries. It does not underwrite, sell or solicit insurance; details you share are passed to the relevant licensed entity, and product terms are governed by the respective insurer. [LEAD_GENERATOR_REG_DETAILS] · [MANDATORY_INSURANCE_DISCLAIMER_TEXT]