Income replacement
Years of support for the people who depend on you.
Complete guide
Life insurance, without the sales pitch.
Understand the job of life cover, size it around real obligations, compare term and savings plans, and make the future claim safe through honest disclosure.
The purpose
Replace an economic life, not just an income
Cover should account for loans, family goals, dependent care and the value of unpaid work — then subtract assets already available.
Debt clearance
Loans should not become the family's burden.
Goal protection
Education, care and long-term commitments stay funded.
The choice
Term versus traditional
| Term insurance | Endowment / savings | |
|---|---|---|
| Primary job | Large protection | Protection plus savings |
| Cover per premium | High | Lower |
| Maturity value | Usually none | Yes, by plan terms |
| Liquidity | Not applicable | Usually low during the term |
Claims, handled
A named human owns the process end to end
One person, one number, from the first call to the final settlement. You stay with your family; we carry the paperwork and follow-ups.
- 01
Call your claim expert
One call starts everything — no forms, helpline queue or ticket number.
- 02
We verify the cover
Eligibility, limits, waiting periods and the right claim route, explained plainly.
- 03
We build and submit the file
Forms are pre-filled, documents checked and insurer queries answered.
- 04
Settled, then explained
Every approval and deduction is broken down. We contest what is unsupported.
Questions
Life insurance FAQs
Is MITRA's advice really free?
Yes — consultations and claims support are free for you. Like all insurance intermediaries, we earn a standard commission from insurers when a policy is issued. Our advisors are measured on fit and claim outcomes, not sales targets.
What does claims support include?
A dedicated claim expert prepares and verifies your documents, coordinates with the hospital, insurer or TPA, resolves queries, and explains the final settlement in plain language. It is included for policies bought or ported through MITRA.
Can MITRA guarantee that my claim will be paid?
No intermediary can decide or guarantee a claim outcome. The insurer decides based on policy wording and the facts of the claim. MITRA makes sure your file is complete, follows up, contests unsupported deductions and escalates when valid grounds exist.
Free · Unbiased · No pressure
Make the numbers personal
A free advisor call to size the cover and explain the trade-offs.