🚀 How Much Insurance Do You Actually Need?
Finally! 🎉 An insurance company that puts YOUR wallet first, not ours. Discover exactly how much coverage you need (spoiler: probably less than they've been trying to sell you), then watch your money grow with our game-changing cash back rewards! 💰
0%
🚫 Commission Bias100%
❤️ Client Interest First₹5L+
🎁 Avg. Cash Back Earned🤔 How Much Coverage Do You Actually Need?
🛡️ Protection That Actually Makes You Money!
Get the coverage you need, earn money back through cash rewards, and watch your wealth grow while you sleep! 💤💰
Term Life Insurance
₹1 Crore coverage starting at just ₹16/day
Starting ₹522/month
for ₹1 Crore cover*Cash back rewards automatically invested to grow your account value
Health Insurance
Comprehensive health coverage starting at ₹10/day
Starting ₹300/month
for ₹10 Lakh cover*Cash back rewards automatically invested to grow your account value
Motor Insurance
Car & bike insurance with instant policy
Car: ₹2,094/year
Bike: ₹457/year*Cash back rewards automatically invested to grow your account value
Travel Insurance
Domestic & international travel protection
Starting ₹18/day
for international travel*Cash back rewards automatically invested to grow your account value
Investment Plans
Grow your wealth with insurance protection
Returns up to 15%*
*Market linked returns*Cash back rewards automatically invested to grow your account value
Why We're Different: Client Interest First
No commission bias. No overselling. Just honest advice and money back in your pocket.
Client Interest First
We recommend only what you need, not what earns us the highest commission
Cash Back Investment Account
Get cash back rewards that automatically grow in your dedicated investment account
Dynamic Premium Discounts
As your investment account grows, your future premium costs go down
Easy Redemption Options
After 3 years, withdraw cash, keep investing, or use account value for premium payments
🎉 Cash Back Rewards That Actually Make You Money!
💰 Account funded instantly, then BOOM! More money with every premium payment! 🚀
Buy Insurance Based on Your Actual Needs
Our AI determines exactly how much coverage you need - no overselling, no commission bias.
💸 Earn Cash Back Rewards on Every Premium
Get 5-15% of your premium back as cold, hard cash! 💵 We auto-magically deposit it into your investment account because we're nice like that. 😎
Your Investment Account Gets Funded Immediately
Your account is funded as soon as you open it! Then every year you pay premiums, we add more cash rewards. Plus, your account earns market returns!
Watch Your Investment Account Grow
Just enjoy as your investment account grows year after year with professional management and market returns.
Invest More to Secure Other Goals
Use your growing investment account as a foundation to secure other financial goals - home, education, retirement.
Why Separate Investment Account Beats Combined Products
The tax math reveals why ULIPs aren't always the best choice
Select Your Tax Regime
Tax Rate: 31.2% (30% + 4% cess) for ₹15L+ income
Tax-Saving Insurance Products
ULIPs, Endowment Plans, Money-Back Policies₹50,000 × 31.2% tax rate
- Single policy convenience
- Full 80C tax benefit
- Built-in insurance coverage
- Higher management fees
- Limited investment choices
- Lower returns due to costs
- Locked-in for 5 years minimum
Insurance Ninja Way
Term Insurance + Separate Investment Account₹12,000 term premium × 31.2% (only term qualifies for 80C)
Higher upfront cost but much better long-term returns!
- Better tax optimization
- Much lower fees
- Higher net returns
- Complete flexibility
- Cash back rewards on premiums
- Requires managing two accounts
- More planning needed
The Bottom Line
₹1,140
Less fees per year₹49 Lakh
Extra returns over 30 years₹0
Penalty for early exitResult: You save ₹1,140 in fees yearly + earn ₹49 Lakh more over 30 years with our approach!
Get your investment account funded immediately when you sign up!
The Shocking Truth About Traditional Insurance
These industry statistics will make your jaw drop! 😱
32.8%
Don't Renew After 1 Year
LIC 13-month persistency data shows 1 in 3 people abandon their policies after just one year!
Source: LIC Apr-Dec 2023 data50%
Give Up By Year 5
Half of all LIC policyholders discontinue their policies by the 5th year. Half!
Source: LIC 61-month persistency data60.6%
Industry-Wide Failure
IRDAI data shows the median industry discontinuation rate by year 5 is even worse!
Source: IRDAI Handbook FY2020-21Why Do People Give Up Their Policies?
High premiums that burden your budget
Poor returns on traditional plans
Hidden charges eating your money
Commission-driven advice that doesn't help you
Complex products you don't understand
No immediate benefits for your money
Insurance Ninja's Revolutionary Solution
Instant Cashback
See immediate value from day oneGrowing Investment
Your money works for YOUClient-First Approach
No commissions, no biasGuaranteed Savings
Lower costs, better returnsWhy Our Customers LOVE to Renew Their Policies
Unlike traditional insurance companies, we make every renewal year better than the last! 🚀
📈 Your Investment Account Grows Every Year
Year 1: ₹6,000 cashback invested
Year 2: ₹6,000 + growth + new ₹6,000 = ₹13,200
Year 3: Previous amount + growth + ₹6,000 = ₹21,800
Year 5: ₹45,000+ working for you!
🔔 Smart Renewal Reminder System
60 days before: "Your investment has grown by ₹X!"
30 days before: SMS with renewal benefits summary
15 days before: Personal call to discuss growth options
Renewal day: Bonus cashback for loyalty!
The Insurance Ninja Difference
Investment grows while you're protected
Proactive reminders ensure you don't lose benefits
Loyalty bonuses for continuing customers
Transparent tracking of your investment growth
Personal support every renewal period
No surprises - just growing wealth!
Join thousands who chose the smarter way to stay insured and grow wealth simultaneously
Become an Insurance Ninja Steward
Join our mission-driven team! We're salaried professionals focused on client success, not commission-driven sales. Grow your expertise while making a real difference in people's lives.