Sold a ULIP as a "guaranteed FD"? There's a way out.
Upload your policy and bank statement. We detect mis-selling signals, draft your complaint, and fight for refund.
Here's what's hidden — and why the market won't tell you.
- 01
Banks distributed 33% of all new individual life insurance premiums in FY24 — up from 16% a decade ago.
- 02
First-year commission on a ULIP is up to 65% of the premium. On a mutual fund it is ~1% annually.
- 03
IRDAI has explicitly called mis-selling an 'alarming' level concern. Recovery through regulatory channels works — most policyholders don't file.
Clear answers, in language you actually recognise.
Upload your life-insurance policy + 2 years of bank statements. AI detects mis-selling signals — product-type mismatch, pressure-sale signals, cognitive-decline signals for seniors.
A Mis-selling Probability Score (0–100) with the specific evidence — which sentences in the proposal, which debits in the bank statement.
Drafted complaint letter for the insurer's grievance cell, IRDAI Bima Bharosa, and Banking Ombudsman — legally precise, ready to sign.
Surrender analysis if mis-selling can't be proven — should you surrender now, hold until lock-in ends, or restructure?
In two minutes — no forms, no agents, no waiting.
- 01Upload the evidence
Policy PDF + bank statements showing premium debits. Nothing else — we never ask for Aadhaar or bank credentials.
- 02Get the analysis
Mis-selling probability + specific evidence + recommended next step (file / surrender / restructure).
- 03File the complaint
Phase 2 feature — we draft the complaint. You file, or we file on your behalf for a success fee.
For anyone who's never read the fine print — which is most of us.
The retiree with 3 ULIPs
Your bank RM sold you 3 ULIPs over 4 years, calling each "just like an FD but with better returns". Total premiums paid: ₹4.8 lakh. You want to know your options.
The executor of the will
A family member died. Their ULIPs are still in lock-in. You're deciding surrender vs hold — we help you see the math.
The angry young professional
You bought a ULIP at 28 because a bank RM promised 12% guaranteed returns. You're now 34 and realise you've been had. We show you what's recoverable.
- How much can I actually recover? +
- Depends on the strength of the evidence. Clean mis-selling cases (proposal form didn't match what was verbally pitched, RM documented the pitch wrong) can recover 100% of premiums paid. Weaker cases recover partial, or force a restructure.
- How long does this take? +
- IRDAI mandates 15 days for insurer response. If they refuse, Ombudsman typically resolves in 3–4 months. Total 3–6 months in most cases.
- Is there a cost if I lose? +
- No — our fee is only on recovery. Phase 2 pricing: 15% of amount recovered, collected post-settlement.
We never place your policy or take a broker cut. IRDAI-registered advisory model.
Granular consent toggles. Export or delete everything any time. Enforced in product.
Your documents never leave India. Auto-delete at 7 days unless you save.
We don't share your policy with any insurer — ever. Not even anonymised.
Join the waitlist
Launching in the next phase. Success-fee-based — 15% of recovered premiums, paid only on recovery. Join the waitlist.