How we earn
Same fee.
Every plan.
Always.
We charge a flat brokerage on every plan we recommend — health, term, motor, travel. The percentage doesn't change between insurers. That's the literal mechanism behind "zero incentive".
The number
The same flat brokerage on every plan.
Whatever you buy, we earn the same — whether the premium is ₹20,000 or ₹50,000, whether the insurer is HDFC, ICICI, Star or anyone else. Our brokerage is flat, and among the lowest in the industry.
Our philosophy is value first. We earn most when you choose well the first time — and your renewal stays with us because the plan was right for you, not because we pushed it.
The worked example
On a ₹25,000 health policy.
A higher-commission plan earns us nothing extra — the brokerage is flat.
If a plan we don't even sell is the right fit, we earn ₹0 — and we'd still tell you.
Why this matters
Most advisors get paid more to push the wrong product.
Across the Indian life insurance industry, agents earn a small first-year commission on term plans (the one you actually need) but 25-40% of first-year premium on ULIPs and endowment (the ones that pad an insurer's book). That's the structural reason 80% of life insurance sold in India is mis-sold.
Health is the same story, just quieter. Plans with longer waiting periods, lower CSRs and higher co-pays often pay agents more — because the insurer takes less risk on the policyholder.
We chose to be paid the same on every plan because that's the only way we can promise we're telling you the best one.
The IRDAI line
We're a direct broker. That's a different licence.
An agent is contracted to one insurer and is legally that insurer's representative. A broker is licensed by IRDAI to represent the customer in the whole market.
That's the legal basis for us recommending a plan we don't sell. The IRDAI broker code is in our footer; the licence PDF is on /irdai.
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