Buying cover is easy.Being covered is the hard part.
We don't sell policies. We structure protection — across multiple insurers, around your real exposures, accountable through every renewal and every claim.
Find out what you're missingin about 4 minutes.
Five questions about your cover, your finances and your household. You get a score out of 100, the gaps ranked by what they'd cost you, and a report you can keep. No sign-up to start.
Moderately protected
Health cover is solid. Life cover and claim readiness are where the gaps are.
Life and non-life, properly organised.
Open any cover to see what's actually inside — what's covered, typical claim time and how premium is structured.
The cheapest way to leave your family a large sum if you die.
Term Life
Life cover with money back at the end of the term.
Savings Plans
One policy covering every employee on your payroll.
Group Life
Turns a retirement pot into monthly income for life.
Retirement & Pension
One cover amount shared by the whole family.
Family Health
Employer-paid health cover for your team.
Group Health
Damage to your vehicle, and damage you cause to others.
Motor & Fleet
Buildings, stock and machinery against fire and weather.
Property & Plant
Goods while they're in transit, and the vessels carrying them.
Marine & Cargo
When your company, product or directors get sued.
Business Liability
Ransomware, data breaches and the downtime after.
Cyber Cover
One life. 6 stages. The cover that should activate at each phase.
Insurance isn't a one-time purchase. It's a sequence — and timing each cover correctly is half the work.
First job
- Personal Accident
- Term Life starter
Lock low premiums while you're young & healthy.
Marriage
- Family Floater Health
- Term Life upgrade
Add spouse to the same floater — better continuity.
Home & car
- Home Contents
- Motor + Zero-Dep
Reinstatement-value home cover protects appreciation.
Child
- Child education plan
- Health floater extension
Maternity waiting periods kick in 9–24 months prior.
Business
- Property & lost income
- Group health
- Directors' liability
Keep personal and business risks properly separated.
Wealth & retirement
- Pension Scheme
- Senior-Citizen Health
Pre-existing waiting periods served well before retirement.
Renewals shouldn't be a panic email.
Most policies lapse not because clients want to leave — but because nobody reminds them in time. We run renewals as a quiet, scheduled service: every policy reviewed, re-marketed and re-bound before it expires, with continuity of benefits preserved.
- 01
60-day proactive reminder
We flag every renewal 60 days before expiry — no last-minute scramble, no lapse risk.
- 02
Wording & claim audit
We re-read your policy, look at what you claimed that year, and compare it against what's on the market now.
- 03
Insurer re-marketing
If another insurer offers better terms or a better price, we show you side by side — you decide.
- 04
No gap in cover
We manage the switch by hand, so the waiting periods you've already served and the discounts you've earned carry across.
A rejected claim is rarely bad luck.It's usually a clause nobody read.
Cover fails at the wording, not at the premium. Four things we do differently — each one aimed at the moment the policy is actually tested.
We answer to you, not an insurer
A tied agent earns from one company's products. We hold a broker licence, which means our duty runs to you — and we can walk away from a bad wording.
We read the wording before you sign
Caps on what they'll pay per treatment, room-rent limits, what's excluded, how long you wait before a condition is covered. The clauses that decide a claim are the ones nobody reads when buying. We read them line by line.
We show up at the claim
Documentation, insurer follow-up, surveyor coordination — handled by a named person who already knows your policy, not a ticket queue.
We're still here at renewal five
Cover isn't a one-off purchase. Every year we re-read the policy, look for better terms if the market has moved, and make sure nothing quietly lapses.
Three ways to buy the same policy.Only one of them works for you.
The premium is often identical. What differs is who reads the wording, who argues the claim, and whose side they're on when they do.
Reflects how each distribution channel typically operates, not any specific firm. Broker remuneration is paid by the insurer out of the same premium, so using a broker does not increase what you pay.
The claim is the product.The rest is paperwork.
Every policy looks identical until someone tests it. This is the part of the job that decides whether the last few years of premium meant anything — so it's the part we staff properly.
We build the file
Discharge summaries, bills, FIRs, surveyor reports — assembled correctly the first time. Most rejections start as a paperwork gap.
We argue it with the insurer
When an assessment comes back short, we go back with the wording and the precedent. That conversation is the job.
We chase it to settlement
Follow-ups continue until money lands or the file closes with a written reason you can act on.
You get a name, not a ticket
The same person who placed the cover handles the claim — no re-explaining your policy to a queue.
Sell insurance undera broker's licence.
Become a Point of Sales Person with Labdhi. You bring the relationships; we supply the licence, the insurer panel, the training and the back office.
- Work with a licensed insurance broker
- Access multiple insurance categories
- Build your own client network
- Get training and support
- Grow with retail and business insurance opportunities
Find out what you'reactually covered for.
Four questions, no sign-up. You'll see the gaps in your current cover and what it takes to close them.