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Plans & Coverage

Three pillars of protection, compared honestly

We're independent — not tied to any single insurer. Every recommendation is shortlisted from LIC and 8 top private insurers based on your family's actual situation, not our commission.

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Insurer partners we work with

LIC of India Star Health HDFC Ergo Bajaj Allianz Tata AIG ICICI Lombard New India Care Health
All Insurance Plans

Choose your coverage

Each plan type solves a different problem. We help you understand what you need before you buy.

Most Popular
Life Insurance

Protect your family's financial future. We compare LIC and top private term and endowment plans to find the right fit.

  • Term plans from ₹500/month
  • LIC endowment & money-back
  • Child education planning
  • Tax savings under 80C
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Health Insurance

Cashless hospitalisation across 7,000+ hospitals. Family floater, critical illness, and top-up plans.

  • Cashless at 7,000+ hospitals
  • Family floater plans
  • Critical illness cover
  • Pre-existing conditions covered
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Motor Insurance

Car and two-wheeler insurance with genuine claim support — no call centre maze when you need help most.

  • Third-party & comprehensive
  • Zero-depreciation add-on
  • Roadside assistance
  • Direct claim support
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Why NKT

Why an independent advisor?

Banks and insurer agents are paid to push one company's products. We compare all of them.

Unbiased comparisons

We compare plans from LIC + 8 private insurers side by side. You see the full picture — premiums, exclusions, claim ratios.

IRDAI licensed

Fully licensed under IRDAI regulations. We're accountable to the regulator, not just our sales targets.

10+ years experience

We've seen which plans pay claims easily and which ones create complications. That experience is yours, free.

Lifelong support

We don't disappear after the sale. Renewals, claims, additions — we manage it all for the life of your policy.

Common insurance questions

Plain answers — no jargon, no sales pitch.

For most Indian families, term life insurance comes first — it provides the highest cover at the lowest premium. Follow it with health insurance for your family, then motor if you own a vehicle. We'll help you prioritise based on your income, dependants, and existing cover.
A standard rule of thumb is 10–15× your annual income. But the right number depends on your outstanding loans, number of dependants, their future expenses, and any existing assets. We calculate this for free in your first consultation.
LIC has unmatched government backing and claim settlement history. Private insurers often offer more features, faster digital processing, and competitive premiums for term plans. The right answer depends on your goal — we compare both honestly and show you the data.
Most policies offer a 15–30 day grace period. After that, the policy lapses. We send you renewal reminders before the due date and help you revive lapsed policies without penalty in most cases.
Yes — but an advisor is useful for comparing across insurers, understanding exclusions, and getting claim support. Our service is free to you; we're paid by the insurer. You get expert guidance at no extra cost.
Term and health plans are typically issued in 24–72 hours online after document verification. Endowment or LIC plans may take 5–10 days. We walk you through the entire process.

Not sure which plan is right for you?

Book a free 30-minute consultation. We'll compare plans based on your actual situation.

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