Insurance Resources & Guides
Empower yourself with expert checklists, claim appeal guides, IRDAI regulatory insights, and comparison tools curated by Hari Kotian (25+ years experience).
Frequently Asked Questions
Get answers to top questions regarding claim rejections, policy lapses, waiting periods, and grievance redressal.
Browse FAQs →Expert Blog & Articles
In-depth guides on LIC policy maturity calculators, Ombudsman appeal processes, health insurance riders, and claim settlements.
Read Expert Articles →Claim Support Desk
Stuck with a rejected claim or delayed payout? Get direct assistance from our claim recovery desk in Bengaluru.
Get Claim Help →Essential Insurance Checklists
Use these proven frameworks before filing claims, purchasing policies, or raising disputes.
Claim Rejection Appeal Checklist
Step-by-step actions to take immediately when an insurer rejects your claim on grounds of non-disclosure or exclusion. Includes grievance escalation timeline.
Request Free Consultation →Term Insurance Buying Guide
How to calculate your exact cover amount (HLV method), rider selection, claim settlement ratio evaluation, and medical underwriting disclosures.
Explore Term Plans →Official Regulatory Portals
Verify your advisor, check regulations, or escalate grievances directly through official Indian insurance bodies.
Let's Talk About Your Insurance
Whether you need a new policy, want to renew an existing one, or need help with a claim — Hari Kotian is here to help. Free, no-obligation consultation.
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