Advisory for Families & Businesses

People come FIRST.
Policies later.

We simplify Insurance for You, Your Family, and Your Business.

Zero Spam Promise Unbiased Comparison Claims Assistance

500+

Families Secured

200+

Claim Support

0

Spam Calls

Licensed

IRDAI Certified

Why we are different.

Most agents sell what gives them the highest commission. We advise what gives you the highest protection.

Traditional Agents

  • Pushes "Investment" plans (ULIPs/Endowment)
  • Hides waiting periods & exclusions
  • Calls you 10 times a day to close the deal
  • Disappears when you need to file a claim
OUR PROMISE

FinSecureFirst

  • Retail & Commercial Specialists
  • Explains every single exclusion clearly
  • Zero spam. You talk when you are ready.
  • We handle the paperwork during claims

Protection for Life & Business.

From securing your family to protecting your business assets, we have you covered with honest advice.

Health Insurance

Individual and Family Floater plans. We help you navigate room rent caps, copays, and waiting periods.

Term Insurance

Pure life cover to protect your family's future income. High coverage, affordable premiums, no investment mixing.

Group Insurance

GMC and GPA policies for Startups and SMEs. Keep your team protected and motivated with best-in-class benefits.

Commercial Motor

Insurance for fleets, trucks, and commercial vehicles. Fast claim settlement support to keep your business moving.

Commercial Lines (CL)

Fire, Liability, Marine, and Property insurance. Robust risk management solutions for your enterprise.

End-to-End Support

No matter which policy you choose, our claim support comes standard. We fight for your valid claims.

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A process built on respect.

We designed our workflow to be the opposite of a sales funnel. It's a clarity funnel.

1

Get Expert Guidance

  • 30-Min consultation
  • Zero Cost
  • Zero spam. You talk when you are ready.
  • We handle the paperwork during claims
2

End-to-End Assistance

  • Understand insurance basics
  • Compare policy options
  • Clarify coverage details
  • Finalize the right policy
  • Fill application with advisor
3

Lifetime Claim Support

For a long time, one item on our to-do list was to build an insurance platform free of conflicts, mis-selling, spam, &, most importantly, advisors to handhold people through the purchase journey.

4

Secure & Support

When you decide to buy, we handle the paperwork. And when you need to claim, we are the first people you call.

Empower yourself with knowledge.

We've written these guides to help you, not to sell to you. Read them at your own pace.

Our Honest Vision

Why we built a platform that puts transparency over commissions. Read our manifesto.

Read Story

Transparency Hub

See what agents usually hide. We reveal the pros, cons, and the raw truth about policies.

See Comparisons

For Parents

Why protection is the greatest gift you can give. A guide to securing your child's future.

Read Guide

Why Young Adults Trust Us.

Insurance doesn't have to feel like a chore or a trap. We built this for our generation.

The "No-Nonsense" Advice

We’ve all seen the pushy agents and the confusing sales pitches. That’s not us. As an advisory-first company, our only goal is to give you honest recommendations. If a policy doesn’t genuinely benefit you, we’ll be the first to tell you to skip it.

Clarity Over Complexity

Insurance feels like a "trap" when you don't understand what you're buying. We strip away the legal jargon and "insurance-ese" to explain exactly what you’re covered for (and what you’re not). You get total transparency, so you can make decisions with confidence.

Built for Your Reality

We’ve redesigned the process to fit into your life, not take it over. From digital-first onboarding to quick, clear communication, we handle the heavy lifting and the "boring stuff." We make securing your future as easy as ordering your favorite meal.

An Ally, Not a Salesman

We don’t just sell you a plan and disappear. Think of us as your go-to experts for life’s "what-ifs." Whether you’re navigating a claim or adjusting your coverage as you grow, we’re in your corner with unbiased advice every step of the way.

STRICT VETTING PROCESS

We reject 90% of insurers.

There are over 50 insurance companies in India. We only work with the top 3-4 that pass our strict financial and ethical stress tests.

1. The Claim Settlement Ratio (CSR)

The Quantity. We check 5-year track records. If they settle less than 98% of claims, they are out.

2. Amount Settlement Ratio (ASR)

The Quality. Some insurers pay claims but only 50% of the bill. ASR reveals the truth about partial payments.

3. The Solvency Ratio

The Stability. Will they have money to pay your family in 2050? We ensure their solvency is 2.0+ (Safe Zone).

4. Incurred Claim Ratio (ICR)

The Sustainability. If ICR is >100%, the company is losing money and will hike premiums soon. We avoid them.

"We are not neutral. We are biased towards quality. We will never show you a bad policy just to give you 'more options'."

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Real stories from real people.

See why young professionals and parents trust us.

"I was dreading talking to an agent because of the constant calls. Jitender was different. He sent me the details, answered my questions on WhatsApp, and never pushed me once."

Rahul S.

Software Engineer, Bengaluru

"FinSecureFirst reviewed my old policy for free and pointed out a room rent cap I didn't know about. They helped me port to a better plan. Highly recommended!"

Priya M.

New Mother, Delhi

Frequently Asked Questions

Final Step to Peace of Mind

Ready to get honest advice?

No aggressive follow-ups. No hidden agendas.
Just a human conversation to help you protect what matters most.

Chat on WhatsApp

Zero Spam Guarantee. Your data is safe.

Our Manifesto

We are building the
most trusted advisory in India.

Not the biggest. Not the fastest. But the most honest.
Because when disaster strikes, trust is the only currency that matters.

Meet the Guardians of Your Trust.

We are a team of licensed experts, not salespeople. Connect with the specialist who understands your specific needs.

Jitender Singh

Founder & Principal

Strategy Ethics

"I started this to end the culture of fear-selling in insurance."

Message Jitender

Pritam Kumar

Co-founder & Senior Health Advisor

Mediclaim Critical Illness

"I ensure you know every single waiting period in your policy."

Message Pritam

Digbijay Singha

Co-founder & Advisor

Settlement Legal

"My job starts when you are in the hospital. I fight for your claim."

Message Digbijay Singha

Debjit Singha

Commercial Risk Expert

SME Liability

"I help businesses protect their assets from fire, theft, and liability."

Message Debjit Singha

Parmavir Singh

Client Success Lead

Renewals Support

"I ensure you never miss a renewal and your queries are answered."

Message Paramvir Singh

The Pillars of Our Vision

This is how we turn our philosophy into action every single day.

Radical Transparency

We don't just show you the brochures. We show you the policy wordings. We highlight the "Red Flags" – the waiting periods, the copays, and the exclusions – before we talk about the benefits.

Empathy Over Algorithms

You are not a lead in a CRM. You are a person with a unique family and unique fears. We listen more than we speak. If a policy doesn't fit your life, we will tell you not to buy it.

Service Beyond Sales

The sale is just the beginning. Our real work starts when you need a claim. We pledge to be in your corner, fighting for your rightful claim settlement, 24/7.

Our Unbreakable Pledge

We will never spam you.

Your phone number is sacred. We respect your privacy and your time. You call us, we don't chase you.

We will never sell you a bad product.

If a policy has hidden traps, we won't sell it, even if it pays the highest commission in the market.

We will always be transparent about our earnings.

We believe you have the right to know how the industry works and what motivates advice.

THE 20s ADVANTAGE

Hack the system.
Buy young. Save lakhs.

Insurance premiums are based on age. Lock in a "dirt cheap" rate today, and pay the same amount for the next 40 years.

SMART CHOICE

The "Cost of Waiting" Calculator

Start at Age 25
Premium locked for life
₹10k/year
Start at Age 35
Same cover, double price
₹25k/year

By waiting 10 years, you don't just pay more later. You pay ₹15k extra every single year until you are 60. That's a loss of ₹3.75 Lakhs!

Small cost. Massive security.

A ₹1 Crore Term Insurance cover for a 25-year-old (healthy, non-smoker) typically costs between ₹600 - ₹900/month.

That is likely less than what you spend on weekend coffee or your favorite OTT subscriptions. But unlike those, this protects your family's entire financial future.

Your 3 "Young Age" Superpowers

These benefits disappear as you get older. Use them now.

No Medical Tests

In your 20s, you are likely fit. Insurers will issue policies instantly without making you run on a treadmill or give blood samples.

Serve Waiting Periods

Every policy has a 2-4 year waiting period for specific diseases. Buy now when you don't need it, so it's fully active when you do.

Career Freedom

Don't rely on your company's insurance. If you switch jobs, take a break, or freelance, your corporate cover dies. Personal cover stays with you.

"I'm confused. Which one do I need?"

Health Insurance

Protects your Savings.

If you get sick or injured, this pays the hospital bills so you don't have to break your FD or ask parents for money.

  • Covers Hospitalization
  • Covers Surgeries

Term Insurance

Protects your Future Income.

If something tragic happens to you, this gives your family a massive tax-free amount (e.g., ₹1 Crore) to live on.

  • Covers Death Risk
  • Replaces Salary

Pro Tip: Ideally, you need both. Start with Health, then add Term.

TRANSPARENCY HUB

We decode the fine print.

Insurance contracts are designed to be confusing. We translate "Legal-ese" into plain English so you know exactly what you are buying.

Our F.I.R.S.T. Methodology

We don't just compare prices. We evaluate every policy through this strict framework.

F

Facts

Before Fear

We rely on claim data and solvency ratios, not scary "what if" stories.

I

Information

Before Intention

We educate you on features first. We don't ask "Do you want to buy?" until you understand.

R

Right Advice

Before Revenue

We compare based on YOUR needs, completely ignoring which insurer pays us more.

S

Simplicity

Before Sales

No complex jargon. We break down legal terms into everyday language you actually use.

T

Trust

Before Transaction

Winning your trust for 20 years matters more to us than closing a deal today.

The "Agent" vs. The "FinSecureFirst"

See the difference between a sales pitch and honest guidance.

The Typical Sales Pitch

  • "

    "You get all your money back!"

    They push low-return endowment plans because commissions are high.

  • "

    "Everything is covered from Day 1."

    A lie. Almost every policy has a 2-4 year waiting period for existing diseases.

  • "

    "Just sign here, I'll fill the form."

    Dangerous. If they hide your medical history, your claim will be rejected later.

The FinSecureFirst Reality

  • "

    "Insurance is an expense, not an investment."

    We recommend Pure Term plans. Buy insurance for protection, invest elsewhere for wealth.

  • "

    "Here is the list of Exclusions."

    We highlight what is NOT covered first, so you are never surprised during a claim.

  • "

    "You must declare that minor surgery."

    We obsess over accurate documentation to ensure your claim is 100% rejection-proof.

The "Red Flag" Dictionary

3 words that can ruin your claim if you ignore them.

Co-Pay

What it means:

You agree to pay a % of the bill (e.g., 20%) from your own pocket every time.

⚠️ Avoid unless you are a senior citizen.
Room Rent Cap

What it means:

The insurer limits your room rent. If you pick a better room, they slash your ENTIRE claim proportionately.

⚠️ Never buy a policy with this limit.
PED Waiting

What it means:

Pre-Existing Diseases aren't covered for 2-4 years.

ℹ️ Look for plans with lower waiting periods (1-2 years).

Yes, we get paid commissions.

We believe you have the right to know how this business works. We are paid by the insurance company when you buy a policy.

Our Integrity Pledge

"If Policy A pays us ₹5000 but is bad for you, and Policy B pays us ₹2000 but is perfect for you, we will always recommend Policy B."

Our Process

A relationship,
not a transaction.

We designed our workflow to be the opposite of a sales funnel. We don't want to "close" you. We want to empower you.

1

The "Zero-Pressure" Discovery

Most sites force you to give your phone number just to see a price. We don't.

  • Read our guides anonymously.
  • Compare features without logging in.
  • Understand the basics at your own pace.
2

The "Red Flag" Analysis

Once you shortlist a policy, we don't just sell it. We stress-test it.

"We highlight the exclusions in bold red. If a policy has a room rent cap or a bad claim ratio, we explicitly tell you to AVOID it."

3

Human Consultation (On Request)

Ready to talk? Schedule a call or chat on WhatsApp.

No robo-calls
You pick the time
Speak to an expert, not a telecaller
4

Precision Paperwork

The #1 reason for claim rejection is "Non-Disclosure." We ensure your proposal form is perfect.

We sit with you to declare every medical history detail. We would rather have the policy rejected now than the claim rejected later.

5

Lifetime Claim Support

You aren't buying a PDF policy. You are buying our service for the next 30 years.

The "3AM Promise"

If you are in a hospital at 3 AM, we pick up the phone. We coordinate with the TPA so you can focus on family.

The "Anti-Sales" Policy

No Cold Calling

We don't buy databases. We don't cold call. Ever.

No Upselling

We won't push a ₹10k premium if a ₹5k one is enough.

No Data Sharing

Your details never leave our secure system.

FOR SENIOR CITIZENS

Protecting their
dignity and independence.

Old age comes with health issues. Insurance ensures those issues don't become financial burdens. We help your parents stay independent, no matter what.

The "Independence" Check

Most parents hate asking their children for money. When they have their own comprehensive health insurance, they walk into a hospital with their head held high.

No Guilt
No Dependency

The Fear of Rejection ends here.

We know the biggest fear: "We paid premiums for years, but the claim got rejected because of Dad's old BP medicine."

At FinSecureFirst, we fix this at the root. We do a "Forensic Medical Declaration".

We declare EVERYTHING.

Diabetes, BP, Thyroid, that surgery in 1995. If the insurer knows upfront, they can't reject it later.

We choose "Senior-Friendly" Plans.

We avoid plans with high co-pays or room rent limits that hurt seniors the most.

Smart Strategies for Senior Citizens

Insurance for parents is expensive. Here is how we make it affordable and effective.

Base + Super Top-up

Buying a ₹10L Base policy is costly. Instead, buy a ₹5L Base plan + ₹20L Super Top-up.

Saves 40% Premium

Separate Policies

Never include parents in your (children's) floater plan. Their age will spike your premium.

Keeps No Claim Bonus Safe

PED Waiting Analysis

If your parent has Diabetes, we find plans that cover it after 1-2 years, not 4 years.

Faster Coverage

A promise to your future self.

"When my father needed heart surgery, the bill was ₹8 Lakhs. Because we had a policy with FinSecureFirst, we didn't have to touch his retirement savings or my startup fund. He signed the cashless form with a smile. That dignity is what we sell."

Ramesh K.

Software Engineer

We handle policies for ages 50 to 80+.

Start without pressure.

Choose how you want to talk. No forced phone calls. No spam. Just answers.

Quick Chat on WhatsApp

Best for quick questions. "Is this policy good?", "What's the waiting period?". We reply instantly.

Chat with Human

Avg. Reply Time: 5 Mins

Drop us a detailed note

The "Ghost" Promise

If you stop replying to us, we stop messaging you. We will never "follow up" just to annoy you. Your silence is an answer, and we respect it.