120+ Lives Covered
Secure Your Future with IRDA-Certified Insurance Planners
Zenith Finserve ensures your family is well protected by buying the right cover, at the right time, for the right reasons.
₹83+
Crores covered
₹7+
Crores premiums saved
100%
Persistency
Insurance Advisory Services Built Around Your Real Risks
0+
Satisfied Clients
Insurance Planning That Actually Protects You
Unbiased Advice from Certified Experts
Coverage That Works When It Matters
Tailored to Your Exact Life Stage
Why Work With Us
Client First Approach
Personalised Suggestions
Complete Handholding
Transparency
Dedicated Expert
Meet Anuj Kesarwani
Anuj Kesarwani is the founder of Zenith Finserve, with over a decade of experience in comprehensive financial management.
His expertise spans financial planning, retirement planning, cash flow management, investments, loans, insurance, tax, and estate planning, helping individuals make smarter, well-rounded financial decisions.
He holds globally recognized certifications, including Certified Financial Planner (CFP) and Chartered Trust and Estate Planner™ (CTEP™), reflecting his deep commitment to professional excellence.
Anuj’s insights and perspectives have been featured in leading financial publications such as Moneycontrol, Economic Times, The Fynprint and Outlook Money, making him a trusted voice in the industry.
Stop Believing These Dangerous Insurance Myths
Insurance is an investment.
Insurance exists to protect your family, not to generate returns. Its role is to provide financial support when life takes an unexpected turn.
Term insurance is enough for me.
Term insurance covers the risk of passing away untimely. Depending on your life stage, you may also need health, critical illness, or accident cover.
If I buy insurance early, I never need to review it.
You do. As your income, loans, and family responsibilities change, your insurance must evolve with your life.
Employer-provided insurance is sufficient.
It is usually not. Employer cover ends when you change jobs or retire and is rarely enough to protect your family long-term. It has restrictions and clauses as per which you also need to pay some part at the time of claim.
Low premium means a better policy.
Generally no. A cheaper policy may come with poor claim service, restrictive clauses, or a financially weak insurance company.
Insurance claims are mostly rejected.
That’s not the case. Most claims are settled when the policy is suitable, disclosures are honest, and the insurance company is reliable.
Insurance planning is only for older people.
No. Insurance is easier and cheaper to buy when you are young and healthy. Waiting often reduces options.
One policy can cover all risks.
Generally no. Different risks need different solutions. Trying to combine everything into one policy often leads to gaps in protection.
I do not need insurance if I have no dependants.
You may still need insurance as Insurance also protects against loans, medical emergencies, and future responsibilities.
I can buy insurance anytime I want?
Not necessarily. Health conditions or age can raise premiums or lead to rejection. Early planning keeps options open.
Medical tests are bad news.
No. Medical tests protect you. They reduce future claim disputes and ensure fair pricing.
Disclosing health issues lead to rejection.
Not necessarily. Non-disclosure is the bigger risk. Honest disclosure improves claim certainty.
Riders are unnecessary add-ons.
No. Some riders add meaningful protection at a very low additional cost.
Insurance planning ends after buying a policy.
No. Life events like marriage, children, or loans require timely updates to your cover.
Claim settlement depends on luck.
No. Successful claims depend on the right insurance company, right policy, and correct disclosures.
Online insurance policies are always better.
Not always. Online term insurance policies may be sometimes a little cheaper, but expert guidance helps ensure correct cover, application, disclosures, and claim support.
Insurance is mainly a tax-saving tool.
No. Tax benefits are a bonus. Protection should always come first.
Higher cover is better.
No. Adequacy matters more than size. The cover must match your income and responsibilities.
Insurance is too complicated and best avoided.
It only feels complicated. With a structured process and proper advice, it becomes simple and effective.
High claim settlement ratio is enough to trust an insurance company.
It helps, but it is not enough. Exclusions, servicing quality, and claim processes matter just as much.
Pathway To Your Zenith
We understand your needs, create a customised plan, put the plan into action, and keep reviewing it as life changes.
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What Our Client Says About Our Services
Suchitra Menon
Purnima Mistry
Manisha Pandey
Naman Bindal
The Difference Between Protecting Families and Selling Policies
| Aspect | Zenith Finserve | Others |
|---|---|---|
| Approach | Structured, research-led process | Ramesh (35) thought he only needed mutual funds, but we mapped out his full journey from home loan to retirement. |
| We only pick mutual funds or stocks | Align every investment with your life goals | Priya (30) wanted to invest randomly, but we linked her SIPs in her dream of starting a bakery in 5 years. |
| We focus only on returns | Balance returns with risks and peace of mind | Amit (40) chased high returns until we built a stable plan that protected his kids’ education fund from market shocks. |
| We give one-time advice | Offer ongoing guidance and regular reviews | Sneha (28) now reviews her finances with us every year and adjusts plans as her career grows. |
| We work only with rich people | Help anyone who wants to build wealth | Mohan (25) started with just ₹3,000 a month and now has a clear roadmap for his goals. |
| Only look at current money | Plan for your future needs too | Kavita (32) didn’t think about retirement, but we showed how small steps now can build a big future corpus. |
| Sell financial products | Provide unbiased, client-first advice | When Rohit (45) asked for insurance, we first analysed what he actually needed instead of selling policies. |
| Handle money matters only | Also plan for loans, taxes, insurance, and estate | Anjali (50) came for investments, but we also restructured her loans, planned her taxes, and created her Will. |
Answering Your Most Common Questions
Why do I need insurance planning at all?
Insurance protects your family’s lifestyle if something unexpected happens to you.
Proper planning ensures the cover is adequate, affordable, and reliable at claim time.
When is the right time to buy insurance?
The best time is when you are young and healthy. Premiums are lower, options are wider, and approvals are easier.
Is insurance planning different from insurance selling?
Yes. Planning focuses on your needs and risks; selling focuses on products.
Can I buy insurance online on my own?
You can. But choosing the right cover, insurer, and policy features needs careful analysis to avoid mistakes.
Should both spouses have insurance?
Yes. Both incomes matter, whether earned or unpaid and both need protection.
Will insurance affect my taxes?
Tax benefits exist, but they should never drive the decision. Protection always comes first.
How does inflation affect insurance planning?
Costs rise over time, especially healthcare and living expenses. We factor inflation so your cover remains meaningful in the future.
Can I increase my insurance cover later?
Yes, but it may cost more and require medical checks. Planning adequately at the start reduces future stress.
What if I already have multiple policies?
We review them together. Many people are over-insured in some areas and under-insured where it truly matters.
Can I surrender or change my existing policy?
Yes, in many cases. We recommend changes only if they genuinely benefit you.
Are riders really useful or just extra costs?
Some riders add valuable protection at a very low cost. We suggest only those that strengthen your safety net.
What happens to my insurance if I change jobs or cities?
Your personal insurance stays with you. This is why individual policies are more reliable than employer cover.
What if I miss a premium payment?
Most policies offer a grace period. We guide you on revival options to avoid losing coverage.
Your personal insurance stays with you. This is why individual policies are more reliable than employer cover.
What if my insurer changes policy terms in the future?
Once issued, your policy terms remain locked. Future changes apply only to new policies.
How often should I speak to my advisor about insurance?
Whenever life changes. Otherwise, periodic reviews ensure nothing important gets missed.
Do insurance claims actually get settled?
Yes, most claims are settled when disclosures are honest and the insurer is strong. We prioritise claim certainty over just buying a policy.
How do you ensure the insurer will pay claims in the future?
We evaluate solvency, financial strength, claim settlement practices, and service quality before recommending any insurer.
What documents are important for smooth claim settlement?
Accurate disclosures, policy documents, and nominee details matter most. We help you keep everything organised and updated.
Who should be the nominee in my insurance policy?
Someone who will actually receive and manage the claim amount.
We also align nominations with your estate plan.
Accurate disclosures, policy documents, and nominee details matter most.
We help you keep everything organised and updated.
What support does Zenith Finserve provide during a claim?
We guide your family through the claim process.
Our role is to reduce stress during a difficult time.