Because it’s sold with fear, jargon and pushy calls. Here: honest answers, in plain words.
No one ever explained this to you properly. That was never your fault.
Why does everyone run away from insurance?
Because it’s sold with fear, jargon and pushy calls. Here: honest answers, in plain words.
No one ever explained this to you properly. That was never your fault.
2015
Advising families since
15 min
What an honest review takes
One call
Never a second, unless you ask
Does buying insurance always
feel like this?
You’ve been told term insurance gives nothing back, so you never got around to it.
You have a policy from years ago, and no real idea how much it would pay.
Your health cover belongs to your employer. You’ve never asked what happens when you leave.
The last agent who called wanted a signature, not a conversation, so you stopped answering.
Room-rent limit, sub-limit, waiting period. You nodded along and signed the form anyway.
A claim was rejected, yours or someone in the family, and nobody explained why.
If you recognised even one, you're in the right place. None of this is your fault. It's how insurance is sold.
Three ways we protect your family
Plain products, honest advice, and someone still here on the day you claim.
We start with the number nobody shows you.
What a family's month costs
₹65,000
Rent, school fees, the parents' medicines. It doesn't pause.
What EPFO would send them
₹2,143
The family pension, by the real formula. One electricity bill.
We read EPF passbooks for a living. So we size cover from what your family would actually receive.
“Who's telling me all this?”
Nikhil Gite
Founder · advising on insurance since 2015
Hi, I'm Nikhil.
I've advised families on insurance since 2015, longer than EPF Buddy has existed.
Since 2019, our team has recovered ₹150 Cr+ of stuck PF money across 1,100+ cases. I've read the files. I know how institutions behave when money is owed.
Here's what you'll walk away knowing after a free 15-minute call:
- Your family’s real cover gap, with your EPF, EPS and EDLI counted
- Whether your employer policy is actually enough
- The two or three policies we’d pick for you, and exactly why
- The exclusions that quietly decide whether a claim is paid
- What our help costs: nothing. Commissions, disclosed in writing
No jargon. No pressure. Just clarity.
Book a free call with NikhilThe insider’s view
We’ve read the passbooks and fought the claims. We know how this ends.
Term, plain or invested
Plain term if that is all you want, or term with investment that’s tax-free too.
To support rejected claims
A small registration fee, then a success fee only once the claim is approved.
One named Buddy
Not a call centre. The same number, before and after you buy.
“We're delighted with the experience we had with your team. If you ever launch something new, let us know. We'd like to work with you more.”
A worked comparison
Same ₹1 lakh a year.
Same ₹1 crore of cover.
Which builds more?
The textbook says keep insurance and investment apart. Over forty years, the textbook is not always right.
₹1,00,000 a year for 10 years. ₹1 crore of cover on both. Followed for 40 years.
Route A
Pure term + mutual fund
- Paid for
- 10 years · ₹10 lakh
- Growth assumed
- 12% gross
- Charges
- 1.35% fund expense ratio
- Value at year 40, before tax
- ≈ ₹2.28 Cr
- Capital gains tax
- − ≈ ₹28.65 lakh
What the family holds at year 40
≈ ₹1.99 Cr
Route B
Term with investment
- Paid for
- 10 years · ₹10 lakh
- Growth assumed
- 12% gross
- Charges
- the plan’s actual charge schedule
- Value at year 40, before tax
- ≈ ₹3.13 Cr
- Tax at maturity
- ₹0 · Section 10(10D)
What the family holds at year 40
≈ ₹3.13 Cr
The difference at year 40
≈ ₹1.14 crore
Same money in. Same protection. The route decided the rest.
Dashed: ≈ ₹2.28 Cr before the ≈ ₹28.65 lakh capital gains tax.
Which route is right depends on your tax slab, your discipline, and when you will need the money. That is what the fifteen minutes are for.
Run it for your numbersAn illustration, not a promise. How these numbers were made is set out under Sources at the foot of the page.
“What happens if I message you?”
Four steps. No forms, no queue, no obligation at the end.
Say hello
A WhatsApp message
One line is enough to start
Pick a time
We call exactly once
At a time that suits you
Fifteen minutes
We read the papers
Passbook and policies
Your number
Two or three options
In writing, then you decide
Whatever you decide, the number and the reasoning are yours to keep.
How we get paid
The industry's biggest secret is its incentives. Ours are on the table.
Advice: free
Insurers pay our commission. Your premium is unchanged.
Claims: pay on approval
A small registration fee, then a success fee on approval.
Renewals: our real wage
We keep earning only while you stay covered and glad you are.
Questions people actually ask
How the advice works, how we're paid, and what happens if a claim is ever refused.
Two reasons. First, our clients asked for it. After we finish an EPF case, the most common thing we hear is "let us know if you ever launch something new." Second, it completes the work we already do: your EPF protects your retirement, but if something happens to you, your family ends up spending that corpus on daily expenses instead of living off it. Nikhil, who leads this practice, has been advising families on insurance since 2015, before EPF Buddy existed.
It ends on your last working day. There is no grace period. If you or a family member is mid-treatment, or anything happens in the gap before your next employer's cover starts, you pay out of pocket. We see this every week in our PF-withdrawal work. It is one of the most common and most avoidable financial shocks. A personal health policy that stays with you regardless of employer is the fix.
Insurers pay a commission on policies bought through us. The same commission they would pay any distributor. Your premium is identical whether you buy through us, an agent, or directly from the insurer; IRDAI regulations ensure price parity. We disclose this openly because it is exactly how our incentives stay aligned: we only earn when you buy, and we keep earning renewal commissions only if you stay covered and satisfied. Rejected-claim support is separate: a small registration fee agreed upfront, then a success fee only once the claim is approved.
One. You pick a time, we call once at that time, and we do not call again unless you ask us to. No follow-up barrage, no telecaller lists, no sharing your number. We built this practice on families trusting us with their most sensitive financial documents, the way we communicate is part of the service.
Often, yes. About half of the Insurance Ombudsman's awards go the policyholder's way when a rejection is properly contested. Rejections built on non-disclosure claims, documentation gaps, or aggressive policy interpretation can be challenged in sequence: the insurer's own grievance cell, then the Bima Bharosa portal, then the Insurance Ombudsman, whose decisions are binding on the insurer. Since 2024, room-rent proportionate deductions have also been restricted by IRDAI, so older-style bill cuts are increasingly challengeable. Send us the rejection letter and we will tell you honestly, for free, whether it is worth fighting.
The assessment is free. If your case is worth fighting and you engage us, we charge a small registration fee agreed upfront, then a success fee only once the claim is approved. And if our honest reading is that the insurer's rejection is valid, we will tell you that too, and show you what to look for in your next policy so it never happens again.
A short, curated list, filtered by claim-settlement record, claim-time behaviour, and policy wording. We refuse to recommend policies with room-rent caps, disease sub-limits, and the other clauses that quietly plant claim disputes. We would rather show you 2–3 policies that will actually pay than 40 options that look cheap in a comparison table.
Fifteen minutes. No jargon, no pressure.
One conversation, and you’ll know exactly where your family stands.
Or call +91 98676 76787Sources
- 1. The ₹2,143 pension and ₹22.5 lakh total: computed from the EPS-95 formula and EPFO’s EDLI rules for the profile shown.
- 2. “About half”: Council of Insurance Ombudsmen, Annual Report 2023-24. Adjudicated awards favouring the policyholder.
- 3. Cost figures indicative as of August 2026; what you pay varies by insurer, age and health.
The 40-year comparison — how the numbers were made
- 1. Both routes assume 12% a year gross. That is an illustration, not a promise — markets move, and so will these numbers.
- 2. Pure term + fund: ₹39,911 a year buys ₹1 crore of term cover for the profile illustrated; the remaining ₹60,089 goes into an equity fund at a 1.35% expense ratio. Long-term capital gains tax is applied on redemption at prevailing rates.
- 3. Term with investment: the plan’s actual charge schedule is applied. Maturity is assumed tax-free under Section 10(10D) because the annual premium is under ₹2.5 lakh — we confirm this for your specific policy before you buy.
- 4. Figures as of August 2026. Premiums vary by age, health and insurer; the right route depends on your tax slab and when you will need the money.