Smart. Unbiased. Easy.

Understand Term Insurance in Minutes

No jargon. No sales agents spamming your phone. Just Newton, our AI guide, helping you clarify your queries.

Newton

by InsurEasy

Hi Sachin, ask anything related to life insurance or select any of these options to get started with your insurance journey.

💡 Analyse specific policies

💡 Help me understand essential riders

💡 How smoking/tobacco usage affects premiums?

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What should I consider before buying term insurance?

When purchasing term insurance in India, consider the following factors:

Assess Coverage Needs: Determine the...

If insurance feels confusing...

You aren't alone. Most people get stuck here.

Common Challenges

Confusing industry jargon and hidden clauses.
Relentless spam calls after checking a quote.
Agents pushing policies with high commissions.

The InsurEasy Way

Crystal clear explanations in plain English.
Zero spam. We don't sell your number.
Purely educational.

How It Works

Chat with Newton

Ask anything about Life Insurance without any sales push and get personalised insights.

Analyse and Compare

Know your coverage requirements, analyse policies or clarify doubts around riders.

Decide Freely

Buy from any insurer you trust, no pressure.

Chat with Newton

Newton can help you with....

🛡️

Coverage Estimation

Know exactly how much coverage your dependents need to maintain their lifestyle. Personalised based on your needs, not random thumb rules like Income Multiples, HLV.

📅

Policy Term Guidance

Determine exactly how many years you need coverage for, avoiding overpayment.

🧩

Rider Explanations

Understand important riders for you without the noise.

⚖️

Plan Comparison

Analyse one term plan or compare multiple side-by-side.

Why InsurEasy?

Personalised Guidance

We simplify insurance so you make informed choices, without sales push.

Available 24 x 7

Get answers to your queries anytime, anywhere. No waiting for office hours.

Built for All

From beginners to repeat buyers, guidance matches your starting point.

Note: Content provided by Newton is for educational purposes only and should not be construed as certified financial advice.

Who is this for?

First Timers

New Buyers

If you've never bought insurance and don't know where to start.

Professionals

Busy Earners

You want the numbers quickly without sitting through an agent's presentation.

Reviewers

Policy Holders

Check if your existing coverage is actually enough for current situation

About Us

InsurEasy was born from a simple frustration: navigating insurance and personal finance felt harder than it should, and too many conversations were driven by commissions, quotas, and spam calls. After wasting time and money on confusing products and misaligned advice, the team decided to build the kind of tool they wished they had when they first dealt with insurance.

InsurEasy does not sell any financial products today. There are no sales targets and no hidden cross-sells behind Newton, our AI educational guide. There are also no unsolicited calls, and no sharing of personal data with telemarketers. Your basic details are used only to personalise guidance inside the product. The aim is to stay as far away as possible from the spam-heavy, pressure-driven tactics that have eroded trust in insurance and other financial services in India.

The mission is to demystify personal finance, starting with term insurance and gradually extending to other decisions where incentives are often stacked against the end user and help people avoid costly mistakes.

Your Data is Yours

We prioritize your privacy above everything else.

🔒 No Spam Calls
🛡️ No Sales Push
👁️ No Hidden Data Sharing

Frequently Asked Questions

Is InsurEasy free to use?

Yes, InsurEasy is currently free to use for calculating your insurance needs and understanding policy terms.

Do you sell insurance policies?

No, we do not sell policies directly. We are an educational platform designed to help you make a decision before you approach an insurer.

Will I get spam calls?

Absolutely not.

Is the advice binding?

No. Newton provides estimates based on mathematical models. Always consult the official policy documents before purchasing.

Still have questions? Chat with Newton →

Terms & Conditions

1. About InsurEasy

InsurEasy is a digital product that helps users understand term insurance and related personal finance concepts in a simpler, more structured way. The platform uses an AI educational guide (“Newton”) to provide explanations, calculations, and scenarios based on the information shared by users.

InsurEasy does not sell insurance or any other financial products, does not act as an insurance intermediary, broker, corporate agent, or web aggregator, and does not receive commissions or incentives from insurers or distributors.

2. Nature of Service – Educational Only

All content, tools, calculators, and outputs on InsurEasy are for informational and educational purposes only. They are not:

Investment advice, financial advice, tax advice, or legal advice.
A recommendation or solicitation to purchase, hold, or cancel any specific insurance policy, product, or rider.
A replacement for personalised advice from a qualified financial professional or licensed intermediary.

Decisions to buy, modify, or cancel any insurance policy should be taken after reviewing official documents from insurers and, where appropriate, consulting qualified professionals.

3. No Selling, No Calls, No Lead Resale

InsurEasy does not:

Sell or distribute insurance or financial products.
Run outbound sales calls or telemarketing campaigns.
Share, rent, or sell user data to insurers, agents, banks, fintechs, or third‑party advertisers for lead generation or sales.

Any future commercial partnerships, if introduced, will be disclosed clearly and will not change the educational intent of the product without updating these Terms & Conditions.

4. User Responsibilities

By using InsurEasy, users agree to:

Provide information that is accurate to the best of their knowledge, especially for calculators and scenario tools.
Not rely solely on InsurEasy outputs for final decisions about buying, changing, or cancelling policies.
Independently verify key details (e.g., premiums, exclusions, waiting periods, riders, claim processes) from official insurer documents and/or licensed advisors.

Users remain solely responsible for their financial and insurance decisions.

5. No Advisor–Client or Fiduciary Relationship

Use of InsurEasy does not create any advisor–client, fiduciary, or principal–agent relationship between the user and InsurEasy. InsurEasy does not represent any insurer or intermediary and does not act on behalf of users in dealings with insurers.

6. Third‑Party Products, Content, and Links

InsurEasy may refer to or illustrate:

Generic features of insurance products available in the market.
Publicly available information, industry practices, or regulatory concepts.
Third‑party websites or tools through links for convenience.

References to brands, products, or third‑party sites are for context only and do not constitute endorsements, partnerships, guarantees, or warranties. Users access third‑party sites at their own risk and must review those sites’ own terms and policies.

7. Accuracy, Assumptions, and Limitations

While InsurEasy aims to use reasonable assumptions and data sources, all content and outputs are provided on an “as is” and “as available” basis, without warranties of any kind.

In particular:

Assumptions such as inflation, expected returns, tax treatment, and life events may not match each user’s reality and may change over time.
Insurance products, regulations, and market practices evolve, and content may become outdated or incomplete without notice.
Calculators and scenarios are simplified models and cannot capture every nuance of underwriting, claims, or product design.

InsurEasy does not warrant that any content or output is complete, error‑free, or suitable for any specific purpose.

8. No Liability

To the maximum extent permitted by applicable law, InsurEasy and its team shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or related to:

Use of, or inability to use, the website, tools, or content.
Decisions to buy, hold, cancel, or modify any insurance policy or financial product.
Any loss, claim, rejection, dispute, or delay related to insurance underwriting, servicing, or claims by insurers or intermediaries.

Users accept full responsibility for relying on their own judgment and on official documents and advice when making financial decisions.

9. Privacy and Data Use (High‑Level)

InsurEasy collects limited information to personalise guidance and improve the product experience. As a principle:

Data is not used for outbound sales calls or spam.
Data is not sold or rented to insurers, banks, agents, brokers, or advertising networks for lead generation.
Aggregate and anonymised data may be used to improve models, features, and analytics.

Detailed practices, including data retention and user rights, will be described in the separate Privacy Policy, which should be read together with these Terms & Conditions.

10. Intellectual Property

All content, design, branding, logos, text, graphics, tools, and code on InsurEasy (except where explicitly attributed to third parties) are the intellectual property of InsurEasy or its licensors.

Users may view and use the site for personal, non‑commercial purposes only and may not:

Copy, reproduce, or distribute substantial portions of the site or tools.
Reverse engineer, modify, or create derivative works based on the platform.
Use InsurEasy content for commercial advisory, distribution, or lead generation without prior written consent.

11. Prohibited Use

Users agree not to use InsurEasy to:

Violate any applicable law or regulation.
Upload unlawful, offensive, or harmful content.
Attempt to gain unauthorised access to systems, interfere with the website’s operation, or scrape data at scale.

InsurEasy may restrict or suspend access for misuse, abuse, or security concerns.

12. Changes to the Platform and to These Terms

InsurEasy may update content, features, assumptions, or these Terms & Conditions from time to time without prior individual notice. The updated Terms will be posted on the website with an effective date. Continued use of the site after changes are published will be treated as acceptance of the updated Terms.

13. Local Laws and Eligibility

InsurEasy is primarily designed for users considering Indian insurance products and subject to Indian laws and regulations. Users accessing the site from other jurisdictions are responsible for complying with local laws and for understanding that product structures and rules may differ.

14. Contact

For any questions or concerns about these Terms & Conditions, users may contact InsurEasy through the contact details provided on the website.

Understand Term Insurance in Minutes

If insurance feels confusing...

Common Challenges

The InsurEasy Way

How It Works

Chat with Newton

Analyse and Compare

Decide Freely

Newton can help you with....

Coverage Estimation

Policy Term Guidance

Rider Explanations

Plan Comparison

Why InsurEasy?

Personalised Guidance

Available 24 x 7

Built for All

Who is this for?

New Buyers

Busy Earners

Policy Holders

About Us

Your Data is Yours

Frequently Asked Questions

Stay updated as InsurEasy grows

Terms & Conditions

1. About InsurEasy

2. Nature of Service – Educational Only

3. No Selling, No Calls, No Lead Resale

4. User Responsibilities

5. No Advisor–Client or Fiduciary Relationship

6. Third‑Party Products, Content, and Links

7. Accuracy, Assumptions, and Limitations

8. No Liability

9. Privacy and Data Use (High‑Level)

10. Intellectual Property

11. Prohibited Use

12. Changes to the Platform and to These Terms

13. Local Laws and Eligibility

14. Contact