Because life comes with uncertainties
Insurance is not about fear, it’s about preparation. The right cover ensures your family’s lifestyle and future remain protected no matter what life brings.
What is the service?
We facilitate access to health, life, and general insurance through our tie-ups with
IRDAI-licensed insurance experts and companies. Our role is to simplify your
choices, ensure you buy what you actually need, and support you in times of claim.
This is a third-party service. We have partnered with experts so that you benefit
from their deep knowledge, while still enjoying the seamless experience of dealing with us.
How do we add value?
- Coverage Assessment: We help evaluate how much and what type of insurance you really need.
- Comparison Across Insurers: We shortlist products that balance cost, coverage, and credibility.
- Claims Assistance: Our tie-up ensures end-to-end support in the claims process.
- Client-first Approach: No product-pushing — we aim for suitability, not sales.
Our USP
Trusted partnerships with IRDAI-licensed insurance experts.
Clear disclosure of commissions and fees.
Seamless integration with your financial plan.
Guidance across health, life, motor, and general insurance.
Why Buy Insurance Through Us?
Buying Directly
- Limited product knowledge
- Policy chosen on price alone
- No claim support — you’re on your own
- Sales-driven approach
- Generic service
Buying Through Us
- Independent coverage assessment tailored to your needs
Balanced evaluation: coverage, cost, and insurer credibility
- End-to-end claim support through our expert partners
- Needs-first approach
- Integrated with your overall finance
FAQs
Which is better, term or endowment?
Term insurance provides pure risk protection at a lower cost. Endowment combines savings with insurance but comes at a higher premium. We explain the trade-offs so
you can decide what fits your goals.
Can NRIs buy Indian insurance?
Yes, NRIs can purchase Indian insurance policies, subject to insurer underwriting and compliance requirements.
Do you provide insurance directly?
No. We facilitate the service through our tie-ups with IRDAI-licensed partners. The insurance policy is issued directly by the insurer.
Do you earn commissions?
Yes, as permitted under IRDAI regulations. All commissions are within the prescribed framework and disclosed transparently.
How do you help during claims?
Our partner experts provide full claims support — from documentation to settlement — so you are not left alone at the most critical time. Also, your RM from PBCS is involved in ensuring that our partners provide full assistance.
What types of insurance do you support?
- Life Insurance (Term, Endowment, ULIPs)
- Health Insurance / Mediclaim
- Motor Insurance
- General Insurance (home, travel, etc.)
Is insurance mandatory in India?
Some types are (like third-party motor insurance), but others (life, health) are optional. Still, they are strongly recommended for financial security.
Can I buy multiple policies?
Yes. Many people combine term + health + accident cover. We help ensure policies are complementary, not overlapping.
Disclosure & disclaimer
- Insurance services are facilitated through tie-ups with IRDAI-licensed insurance companies and experts.
- We are not an insurer ourselves; the final contract is between the insurer and the client.
- Commissions/remuneration are received as per IRDAI guidelines and disclosed transparently.
- Insurance policies are subject to terms, conditions, and exclusions of the respective insurers. Please read the policy document carefully before purchasing.
- Claim settlement timelines and decisions rest solely with the insurer.