An agent represents the insurer (sells one company's products). A broker (us) represents YOU — we compare 50+ insurers and recommend what's best for your needs. IRDAI regulates both, but brokers have a fiduciary duty to customers.

No. Our advisory and claim-assistance services are completely free for customers. We are compensated by the insurer only when you decide to buy a policy through us — same commission they'd pay an agent.

Term insurance: soft copy in 24-48 hours, hard copy in 7 days (if no medical needed). Health insurance: instant policy issuance for most plans. Motor: instant. ULIPs and large-cover policies may take longer due to underwriting.

Basic documents: PAN card, Aadhaar, address proof, age proof, income proof (last 2-3 years ITR or salary slips), bank statements (last 3-6 months). Health declaration form. Specific requirements vary by insurer — we guide you through the exact list.

We're confident our quotes are competitive — we compare 50+ insurers in real-time. But if you find a verifiably lower quote within 30 days of buying, we'll match it or refund the difference (only one insurer's premium can be matched, not multiple).

CSR is the % of claims an insurer settled in a year vs. claims received. Higher = better. We only recommend insurers with CSR above 95%. The CSRs shown on this site are from IRDAI Annual Report 2023-24.

No. Insurance applications are NOT credit inquiries. They don't appear on your credit report. Insurance underwriting checks your health and age — not your credit history (except some life insurance for very high covers, which is rare).

Yes. Most policies have a 15-day free-look period (from policy receipt). Within this window, you can cancel for any reason and get a refund minus stamp duty. After that, cancellation rules vary by policy and insurer.

Both. Most policies are sold completely online — you can compare, get quote, pay, and receive policy without meeting anyone. For high-value or complex policies (e.g., ₹2 Cr+ term, NRI cases), our advisor will call you for a 15-min consultation.

Most insurers offer a 30-day grace period after the due date — you can still pay without policy lapse. Beyond that, the policy may lapse. For life insurance, you can usually revive within 2-5 years by paying due premiums + interest + a fresh medical.

Yes. Term life premiums qualify for 80C deduction up to ₹1.5L per year. Health insurance premiums qualify for 80D — up to ₹25K (self/family below 60) + ₹50K (parents above 60). Critical illness riders also qualify for 80D.

If you have a grievance, first contact our grievance officer (details in footer). If unresolved in 15 days, escalate to the insurer. Still unresolved? File a complaint at https://igms.irda.gov.in/ — IRDAI's official grievance portal. We'll help you at every step, free.