Mumbai, India
info@insurancellello.com
Term, endowment, ULIP, annuity and child-plan advisory — with a transparent Assured Premium Pay Back structured by policy term and age. We help you avoid the three most expensive mistakes Indian families make on life insurance: under-insuring, the wrong product mix, and silent mis-selling.
The same four promises printed on our brand creative — backed on every policy we place.
10+ years of policy-design and tax-advisory expertise from S.K. Sahu & Associate — built into every quote.
Quick issuance and one senior advisor end-to-end — no call-centre runaround.
Independent advisory means no hidden commissions and the lowest TCO across insurers.
Aapki claim ki chinta meri duty. If your claim is ever rejected, our team fights it for you.
Every recommendation below is structured around the policy exclusions and IRDAI standardisations that matter most at claim time.
High sum-assured, low premium, zero maturity value. The default building-block of every household’s financial plan — and the cheapest insurance you will ever own.
Guaranteed maturity benefit with bonuses. Useful as forced savings, but never confused for term cover or for investment-grade returns.
Insurance plus market-linked investment in a single wrapper. Heavily mis-sold — we evaluate every quote against the same fund as a separate mutual fund + term cover.
A guaranteed income stream from your retirement corpus — immediate or deferred annuity, single or joint life, with or without return-of-purchase-price.
Goal-based plans aligned to your child’s graduation or wedding milestone. We evaluate them honestly against a SIP + term cover combination.
Up to ₹1.5 lakh under 80C on premiums, plus tax-free maturity and death benefit under 10(10D) — properly structured.
Ideal for: New parents, recently-married couples, professionals with home loans, business owners planning succession, retirees structuring an annuity stream.
A percentage of the annual premium you pay, credited back to your bank account after policy issuance. Eligibility and the exact percentage depend on policy specifics — use the calculator on the left for an instant indicative number.
Send us your basic details — a senior advisor will revert within a business day with the best fit across every active insurer.