Calculate your exact cover in 30 seconds. Then get connected with a local agent who finds you the best plan — free.
Based on Human Life Value (HLV) method · Takes 30 seconds
“When you need to make a claim, you'll wish you had an agent.”
Buying online is easy. Claiming alone is hard. A local agent guides you through every step — from choosing the right plan to getting your money when it matters most.
What your agent does that no website can
Explains every policy clause
Before you sign anything, your agent walks you through what's covered, what's not, and what to watch out for.
Stands with you during claims
When you're in hospital or grieving, your agent handles all the paperwork and follows up with the insurer so you don't have to.
Never lets your policy lapse
Your agent tracks your renewal dates and reminds you before the due date — so you never lose your cover or no-claim bonus.
Finds the best plan for your budget
Agents compare plans across 10+ insurers and recommend the one that gives you the most cover for your premium.
All of this costs you
₹0 — FreeIRDAI Licensed Agents
No Data Sharing
2 Hour Response
Simple. Fast. Free.
Calculate Your Need
Use our free calculator to find exactly how much cover your family needs.
We Match You Locally
Based on your pincode, we find the best available verified agent near you.
Agent Calls You Free
Your local agent calls at your preferred time for a free consultation.
Best Plan Selected
Agent compares multiple insurers and recommends the plan that fits your needs and budget.
Real stories from people who found their agent on InGrowIQ
“My agent helped me settle my father's hospitalisation claim in 3 days. I had no idea what to submit — he handled everything. Buying online would have left me stranded.”
Meena R.
Chennai
“I was paying ₹2,400/month for a plan I didn't need. My InGrowIQ agent switched me to a better plan at ₹1,100. Same cover, half the cost.”
Karthik S.
Coimbatore
“My agent called me every year before my renewal so I never missed a payment. The policy lapsed once before I had an agent — cost me my no-claim bonus.”
Priya M.
Bangalore
Everything you need to know before you connect
Calculate your cover above and get connected with a local agent in minutes.
Term insurance is the purest form of life insurance. You pay a small premium every month, and if something happens to you during the policy period, your family receives the full cover amount — called the sum assured. It's the most affordable way to protect your family's financial future.
The standard rule is 10-15x your annual income. But the right amount depends on your loans, dependents, and existing cover. Our calculator uses the Human Life Value (HLV) method — the same method used by certified financial planners — to give you a personalised number.
Term insurance premiums are heavily influenced by age. A 28-year-old pays roughly 40% less than a 38-year-old for the same cover. Buying early locks in the lower premium for the entire policy term — often 30-40 years.
Online buying is convenient but has risks — wrong riders, incorrect nominee details, wrong policy term. These mistakes only surface during claims, when it's too late to fix. A local agent reviews your application before submission and stands by you during the entire claim process.