A healthy 30-year-old can lock in ₹1 crore of cover for about ₹800/month. Check your real number free, before the price rises with age.
Illustrative only — your real number depends on dependants, loans and goals. Account for those in the detailed calculator →
To help 1,00,000 families achieve meaningful financial protection by 2030 — by helping them understand their Human Life Value, identify their protection gaps, and make informed decisions about life insurance and other essential financial safeguards.
Our belief: your greatest financial asset isn't what you own. It's the income, effort and potential that make everything you own possible.
Every outcome below starts with understanding your situation — not a script built around this month's target.
Find out, in plain rupees, how much cover your family actually needs. Most people are covered for six months of income when the recommended figure is closer to ten years' worth — we'll show you exactly where you stand.
A healthy 30-year-old can secure ₹1 crore of pure term cover for roughly ₹700–1,000 a month — less than most families spend eating out. The earlier you lock it in, the cheaper it stays for the next 20–30 years.
If you want your premium to also build wealth, we'll explain investment-linked plans in plain language — including telling you honestly when a simple term plan plus your own investing works out better for you.
Run a business? We'll explain how an MWPA-endorsed policy keeps your family's insurance money out of reach of business creditors, and how Keyman insurance protects the company if something happens to you.
The specific things worth checking before you let anyone advise you on your family's protection.
You speak with a licensed advisor who explains options — not a call-centre agent reading from a single-product script.
We lead with real numbers — like 95% of Indian families being underinsured, drawn from published IRDAI consumer guidance — never manufactured urgency.
If a plain term plan is genuinely better value than a higher-commission product, we'll say so. That honesty is the point, not a loophole.
No spam, nothing sold to third parties. Your details are used only to arrange and confirm your consultation.
Want to know who's actually behind this? Meet the advisor at vijit.in →
If you're a homemaker or retired professional with time and a trusted network, this is for you. Everyone else — skip straight to the questions below.
You don't need a finance background. You need people skills, a willingness to learn, and a network you already trust. The Financial Awareness Champion path is licensed, structured, and built around your schedule — not instead of it.
No hypotheticals — these are the real questions we get before someone buys, or signs up as a Champion.
Most financial planners recommend cover of 10 to 15 times your annual income, but the right figure depends on your income, loans, dependants and existing savings. The average Indian is covered for around six months of income — far short of what's needed. A free, no-obligation review works out your real number in a short call.
Term insurance is pure protection — a large payout to your family if you're not around, at a low cost, with nothing paid back if you survive the term. Investment-linked plans (like ULIPs) combine insurance with market-linked investing, cost more, and returns are not guaranteed. Neither is automatically "better" — it depends on your goals, and we'll tell you honestly which fits, even if it's the cheaper option.
The single biggest cause of claim rejection is non-disclosure — leaving out a health condition, habit, or existing policy on the proposal form. Full, honest disclosure at the time of buying is what protects your family's claim later. We walk through this with every client before a policy is bought, not after.
No. The consultation is free and there is no obligation to purchase anything. Take the advice, the numbers, or the report to any advisor you trust — including one who isn't us.
It's licensed, regulated work — training and exam support are provided, and you work under proper licensing, not an informal scheme. Income is commission-based and grows with your effort and network, so we won't quote you a fixed number — anyone who does isn't being straight with you.
Fill in the form and a real person calls you back within 24 hours. Prefer to skip the form entirely? Reach out directly below.
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