Protect your parents. Scan their policies for mis-selling. Enrol them in PM-JAY.
ULIP mis-selling detection, PM-JAY enrolment, family caretaker dashboard. One subscription covers both parents.
Here's what's hidden — and why the market won't tell you.
- 01
Bank relationship managers sell ULIPs to senior citizens as "special FDs" — with 65% first-year commissions.
- 02
Since October 2024, every Indian aged 70+ is automatically eligible for PM-JAY. Most seniors still don't know.
- 03
The buyer and the user are different: the adult child wants to protect their parents, but the parents manage their own policies in a Tier-2 town.
Clear answers, in language you actually recognise.
Upload your parent's policies — we detect mis-selling signals (ULIP sold as FD, bank pressure, cognitive-decline signals).
Automatic PM-JAY + Vaya Vandana eligibility check for your parent — they auto-qualify at 70+.
A caretaker dashboard for the adult child: all parent's policies, renewal dates, nominee status, one-click emergency access.
Guided mis-selling complaint filing with IRDAI for provable cases.
In two minutes — no forms, no agents, no waiting.
- 01Add your parents
Upload their policies, tell us their age and state. We auto-check every government scheme they qualify for.
- 02Scan for mis-selling
Our AI reads each policy looking for mis-sold ULIPs, policies sold under pressure, or products inappropriate for the senior's needs.
- 03Act as the family coordinator
See renewals, premium amounts, nominees, and one-click access to everything during an emergency.
For anyone who's never read the fine print — which is most of us.
The Bengaluru daughter
Your father in Hubli gets approached by his bank RM every year. You want visibility into what they're selling him.
The NRI son
Your parents are in Chennai. You can't drop in to help them with renewals, but you can run it from your laptop in the US.
The 72-year-old herself
You just want to know whether the policy the bank sold you was a good idea. And whether you qualify for the free PM-JAY cover everyone's talking about.
- Is this for the parent or the adult child? +
- Both. The primary buyer is usually the adult child; the primary user (for enrolments, hospitalisations) is the parent. The dashboard supports delegated access.
- Can you actually recover premiums from a mis-sold ULIP? +
- Sometimes. IRDAI mandates a full refund in proven mis-selling cases. We analyse your policy and bank statement, give you a probability band, and help you file. Phase 2 of this product.
- Does PM-JAY for 70+ cost anything? +
- Zero. Every Indian aged 70+ is automatically eligible regardless of income. Card issuance is free on beneficiary.nha.gov.in or via a CSC. We just help you do it.
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. Join the waitlist — we'll notify you when the policy scanner and caretaker dashboard go live.