Protection
Independent · Needs-based · Clear advice
Protect what matters.Choose Right.
See real numbers on 16 calculators. NRI families and business owners get their own desks. Then WhatsApp or call us — we help you buy the cover that actually fits.
+91-9541170219 · Mon–Sat, 10am–7pm · Rohtak desk · serving Pan India
Start with your situation
Who is this for?
Protect my familyHow much term cover do I actually need?Salaried · first coverChild's futureEducation and wedding corpus, inflation-adjusted.ParentsRetire with incomeCorpus, SIP and pension sizing.Age 35–50Save tax this yearSec 123 & 126 (old 80C / 80D) — old vs new regime.Salaried · businessI'm an NRIIndia-issued cover, documents, medicals, timing.Indians abroadCover my businessKeyman, partnership and director term cover.Owners · firmsI already have a policyReview the gap, or get the claim document kit.Existing clients
Families, NRIs and business owners — three doors, one advisorNeeds-based life insurance guidance — you decideFree claim & paperwork supportYour data private — never soldLifelong service, not one-time
What we advise on
Explore our plans
From protection to retirement income, explore options for your goals and speak with us about costs, exclusions and eligibility.
Protection
Child
Child
Pension
Wealth
HealthTwo specialist desks
NRI and Business — full explaining desks
Not a footer footnote. Complete public desks: who is eligible, documents, medicals, tax, and working pre-screens — then WhatsApp us to become a client.
NRI · OCI · PIOYou earn across the world. Protect what's yours in India.₹25 Cr term, 70+ countries, 100% remote onboarding, 0% GST on individual premiums, FEMA repatriation, video medicals, MWPA. Live India rate card on the desk.Remote buyGCC medicals ₹0HNI up to ₹25 CrOpen the full NRI desk Keyman · Partnership · E–EContinuity planning that keeps the firm standing.Four structures explained. Structure finder, eligibility pre-screen, 2025 Act tax map and entity-wise document checklist — then you buy with us.Eligibility calcTax deskDoc checklistOpen the full business desk
Bima Gyan by ViRa
Watch. Understand. Then choose.
Simple Hindi and Hinglish videos from Bima Gyan by ViRa — how cover works, when to buy, and how to think about money. Play them here. They stay on this page; nothing is dumped to your phone gallery.
Open the full Bima Gyan libraryCovered in 3 simple steps
01
Share your goal
Family, income and what you want to protect — on call, WhatsApp or the form.
02
We build a needs-based plan
Suitable options, costs, benefits, exclusions and trade-offs in plain language.
03
Get covered
Paperwork, medicals and issuance. Then renewals and claim documents.
Get free, no-pressure advice
Takes 30 seconds. Your details open WhatsApp so we can call you back.
Frequently asked
How much life cover do I actually need?
Most families need cover of 10–30× annual income, and we use 20× as the starting guide, but the right figure depends on loans, goals and existing assets. Use the Human Life Value calculator, then we fine-tune it together on a call.
Is term insurance enough, or should I buy a savings plan?
For pure protection, term insurance gives the most cover per rupee. Savings and ULIP plans suit specific goals and tax planning. We show the trade-offs and never push a costlier plan just for higher commission.
Do you charge for advice?
No. Consultation, calculators and claim-document support are free to you. We are compensated by the insurer only if you choose to buy, at the same premium you would pay anyway.
What if a claim is needed?
We help you assemble the right documents, fill the forms correctly, and follow up with the insurer until settlement. We do not visit in person — we stay with you on call, WhatsApp and this website.
Can we do everything on WhatsApp?
Yes. Quotes, document upload, e-KYC updates and claim-document checklists can all happen over WhatsApp or a call — whatever is convenient.