Insurance
Protect what you have already built
Insurance is not an investment. It is the promise that one accident, one illness or one bad year will not undo everything your family has saved for. We help you buy exactly the cover you need — no more, no less.
Licensed agent for Max Life, Bajaj Allianz General and Care HealthNaveen Kumar Pandey
Our panel
The insurers we are appointed by
An individual agent may represent one life insurer, one general insurer and one health insurer. These are ours — and the agency codes, so you can check.
Life insurance
Max Life Insurance
Term plans, savings and guaranteed-return plans, child and retirement plans.
Agency code MAX26878AAppointed March 2022
General insurance
Bajaj Allianz General Insurance
Motor, home, shop and business, travel, and personal accident cover.
Agency code BAG10104147Appointed June 2025
Health insurance
Care Health Insurance
Individual and family floater mediclaim, top-up cover, critical illness and senior citizen plans.
Agency code RLH20473612Appointed March 2022
Need cover we cannot place ourselves? We will say so plainly and point you to someone who can.
For you and your family
Personal insurance
The four or five policies that most Indian families actually need — and nothing they do not.
Life Insurance
If something happens to you, your family should not also face a money problem. A term plan gives the largest cover for the smallest premium.
- Term insurance — highest cover, lowest premium
- Endowment, money-back and whole life plans
- ULIPs where investment and cover are combined
- Help with how much cover your family actually needs
Health Insurance
One hospital admission can wipe out years of savings. A good mediclaim policy protects the money you have already saved.
- Individual and family floater policies
- Senior citizen and parent cover
- Critical illness and top-up plans
- Cashless hospital network and claim support
Motor Insurance
Car, bike or commercial vehicle — comprehensive and third-party cover, with renewal reminders so your policy never lapses.
- Comprehensive and third-party policies
- Zero-depreciation and engine protection add-ons
- No-claim bonus transfer on renewal
- Claim and garage coordination
Home & Property Insurance
Cover for your house and the things inside it against fire, theft, flood and other sudden damage.
- Building structure and contents cover
- Fire, burglary and natural calamity protection
- Cover for rented as well as owned homes
- Jewellery and valuables riders
Travel Insurance
For travel within India and abroad — medical emergencies, trip cancellation, lost baggage and passport.
- Single trip and multi-trip plans
- Student travel cover for studies abroad
- Emergency medical evacuation
- Baggage and passport loss cover
For your business
Business & commercial insurance
Shops, factories, offices, contractors and traders — cover for property, liability, projects and staff.
Fire & Property Insurance
Protection for factory buildings, shops, godowns, stock and machinery.
- Standard fire and special perils
- Fire loss of profit (business interruption)
- Machinery breakdown and loss of profit
- Shop and office package policies
Liability Insurance
Cover for the legal claims a business can face from customers, staff or the public.
- Commercial general and product liability
- Professional indemnity
- Directors and Officers (D&O) liability
- Cyber and crime insurance
Engineering & Project Insurance
For construction sites, erection work and contractors' equipment.
- Contractor's All Risk (CAR)
- Erection All Risk (EAR)
- Contractor's plant and machinery
- Project-specific cover
Marine Transit & Workmen's Compensation
Cover for goods while they move, and for the people who work for you.
- Marine cargo by road, rail, air or sea
- Single transit and open policies
- Workmen's Compensation as per law
- Group accident cover for staff
How we work
What you get from us
Buying a policy takes ten minutes. Everything after that is where an advisor earns their keep.
We tell you how much cover you need
Not the biggest premium — the right cover for your income, your loans and your family's age.
We help you fill the form honestly
Most claim rejections come from something hidden at the time of buying. We make sure nothing is left out.
We remind you before renewal
A lapsed policy is the same as no policy. We call you before the due date, every year.
We stand with you at claim time
This is when insurance actually matters. We help with documents and follow up with the insurer.
Insurance disclaimer
Insurance is the subject matter of solicitation. Please read the sales brochure and the policy wording carefully before concluding a sale.
The benefits, exclusions, waiting periods, sub-limits and claim conditions of any policy are governed entirely by the policy document issued by the insurance company. The descriptions on this page are a general summary only and are not the policy terms.
Naveen Kumar Pandey (Pandey Consultancy) acts as an IRDAI-licensed individual insurance agent — for Max Life Insurance (MAX26878A), Bajaj Allianz General Insurance (BAG10104147) and Care Health Insurance (RLH20473612) — and does not underwrite any risk. All policies are issued by, and all claims are decided by, the insurance company as per the policy terms. Premium amounts depend on your age, health, sum insured, policy term and the insurer's underwriting.
Pay premiums only to the insurance company through its official channels. Never transfer money to an individual's personal account, and never sign a blank proposal form.
Everyday conversations
What support can look like
These are illustrative examples showing the kind of work we do, not real client feedback. We publish a client's words only with their permission.
I had never invested before and I was scared of the share market. Pandey ji explained SIP in Hindi, showed me on paper what happens if the market falls, and we started with an amount I did not even feel.
My family health policy was about to lapse and I had completely forgotten. I got a reminder call, the renewal was done the same day on WhatsApp, and it took ten minutes.
Ordering the wellness products is simple — I send one WhatsApp message and the order reaches home. Sealed packs, company MRP, no extra charge on top.
He did not push the costliest plan on me. He first asked my income and my children's ages, then suggested a term plan that fits my budget. That is why I trust him.
We run a small shop, so our income is not the same every month. He set up the SIP so I can pause it in a slow month instead of stopping it altogether.
What I liked is that he told me clearly what the products are not. No promises of curing anything — just honest advice to keep taking my doctor's medicines.
Questions
Insurance FAQs
How much life cover do I need?
A common starting point is 10 to 15 times your yearly income, adjusted for your loans and your children's future costs. We calculate it with you instead of guessing.
Term plan or an investment-linked plan?
For pure protection, a term plan gives the biggest cover for the smallest premium. Investment-linked plans mix cover with savings and usually give less cover for the same money. We explain both and let you decide.
My employer already gives me health insurance. Do I still need my own?
Usually yes. Employer cover ends the day you leave the job or retire, and the amount is often small for a serious hospital bill. A personal policy stays with you and gets cheaper the earlier you buy it.
Will my claim be rejected?
Most rejections happen because something was hidden at the time of buying. Declare every illness, habit and existing policy honestly. We help you fill the proposal form correctly and we support you at claim time.
What is a waiting period?
Health policies do not cover certain conditions immediately. There is usually a short initial waiting period, and a longer one for pre-existing illnesses and some specific treatments. We show you these clauses before you buy.
Ready when you are
Is your family actually covered enough?
Most people find out the answer at exactly the wrong moment. A ten-minute review now is free.