🛡️ IRDAI Regulated Desk · 99.4% Claim Settlement Ratio

Pure Term Life Protection & Creditor-Shielded Family Security

Secure up to ₹20 Crores+ high-quantum family income replacement backed by India's premier life insurers with >98% claim settlement ratios, zero ULIP commission traps, and legal MWP Act 1874 creditor ring-fencing.

IRDAI RegulatedTop-Tier Life Insurance Houses

>98% SettlementHDFC, ICICI Pru, Tata AIA, SBI Life

MWP Act Protection100% Ring-Fenced from Creditors

Bedside ConciergeComplete End-to-End Claim Handholding

View Verified Policies ↓Dedicated Claim Specialist ↗

Coverage Radar

Life-Stage Protection Architecture

Tailor your insurance safety net based on real income multiples, debt obligations, and dependents.

Stage 1: Young Earner

Income Replacement Net

Pure term insurance of 20x annual salary locked at early low premiums + ₹1 Crore super top-up mediclaim.

Stage 2: Growing Family

Family Floater & Critical Illness

Restore benefit health cover for spouse & children, maternity rider, and lump-sum critical illness safety net.

Stage 3: High Net Worth

Keyman & MWP Act Trust

Business keyman protection and policy ring-fencing under Married Women's Property Act to isolate assets from creditors.

Stage 4: Golden Years

Global Healthcare & OPD

Pre-existing disease coverage, global treatment access, day-1 OPD consultation, and zero deductible claims.

Claim Concierge

The MFeasy Cashless Claim Assistance Desk

When a family crisis occurs, you should focus on recovery. Our claim specialists handle every hospital and insurer touchpoint.

Immediate WhatsApp SOS

Alert our dedicated claims team 24/7 via WhatsApp or direct line within 30 minutes of hospitalization.

TPA & Hospital Liaison

We connect directly with the hospital insurance desk and Third-Party Administrator to fast-track pre-authorization.

60-Min Cashless Approval

Our desk eliminates procedural delays to ensure initial cashless sanction is cleared seamlessly.

Zero-Dispute Settlement

We review billing itemizations to challenge unjustified deductions and secure maximum policy reimbursement.

Underwriting Integrity

Zero-Dispute Policy Diagnostics & Audits

Eliminate hidden co-pay traps, disease-wise sub-limits, and waiting period disputes before policy issuance.

Sub-Limit Audit

Zero Room Rent Capping

Ensure your policy covers standard private rooms without proportional deduction penalties on ICU and surgeon charges.

Pre-Existing Cover

Waiting Period Fast-Track

Audit waiting periods (1Y vs 3Y) and ring-fence lifestyle conditions for immediate day-1 cashless admissibility.

Claims Escalation

Direct Ombudsman Support

99.2% Claim Ratio Sec 80C Benefit

Starting Premium₹ 500

Policy TermAnnual / Multi-Year

Get Policy Quote ↗Details →

Diagnostic Desk

Underwriting Diagnostics & Claim Tools

Run comprehensive life value simulations and check cashless hospital networks prior to policy placement.

Capital Replacement🛡️ Diagnostic Engine

Human Life Value (HLV) Diagnostic Tool

Determine your family’s exact income replacement requirement based on inflation, liabilities, and dependents.

Calculate Life Value →

Healthcare Inflation⚡ Inflation Model

Mediclaim Inflation & Critical Illness Model

Model 10% annual healthcare inflation to evaluate your family super top-up and restore benefit thresholds.

Run Health Numbers →

Cashless Claims🏥 Cashless Network

Hospital Network & Claim Concierge Desk

Access 14,000+ empaneled cashless network hospitals and connect with our dedicated 24/7 claims escalation desk.

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Clarity & Governance

Frequently Asked Questions

Clear, straightforward answers regarding process, safety, tax treatment, and liquidity.

What is the Married Women's Property (MWP) Act and how does it protect my family?+

Section 6 of the MWP Act 1874 creates an irrevocable trust in favour of your wife and/or children. Once opted, the policy proceeds do not form part of your estate and can NEVER be attached by courts, creditors, tax authorities, or business liabilities.

Why does MFeasy advise against Return of Premium (TROP) term plans?+

TROP plans charge 2x to 3x higher premiums just to return your original nominal premiums 30 years later. Because inflation erodes the value of money, investing that extra premium in an equity index fund generates 5x to 8x more wealth while keeping pure protection dirt cheap.

How much term life insurance cover do I actually need?+

As a rule of thumb, your sum assured should equal: (Outstanding Loans) + (15 to 20x Annual Living Expenses) + (Future Milestones like children's higher education). For an earner making ₹20 Lakhs/year with a ₹50L home loan, a ₹3.5 Cr to ₹4 Cr term policy is ideal.

Are death claim payouts subject to income tax?+

No. Under Section 10(10D) of the Indian Income Tax Act, the entire claim amount received by the nominee is 100% tax-free, without any upper ceiling.

Regulatory Disclosure & Risk Notice: Insurance is a subject matter of solicitation. Policy terms, waiting periods, and exclusions apply as specified in the respective insurer's policy documents. KS Finoleg Services Pvt Ltd (MFeasy) acts as an authorized corporate insurance distributor licensed by the Insurance Regulatory and Development Authority of India (IRDAI).

Rated Fixed Income Desk

Curated Model Portfolios

Zero-Hassle Claims Desk

Securities-Backed Credit