IRDA-certified
Trusted Term Life Insurance Advisors for Complete Peace of Mind
We help you choose adequate cover, ensure claim readiness, and customise plans based on your needs.
52+
Lives covered
₹76+
Crores cover
₹7+
Crores Premiums saved
100%
Policy continuity
Protection Your Family Can Rely On
Unbiased Advice from Certified Experts
Flawless Claims When Your Family Needs It Most
Tailored Coverage for Your Exact Liabilities
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Embrace Innovation, Adapt Quickly, and Lead with Confidence.
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Client First Approach
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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 Term Insurance Myths
Term insurance is enough for me.
Term insurance covers death risk. Depending on your life stage, you may also need health, critical illness, or accident cover.
Term life insurance should also give some return as 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.
If I buy term life insurance early, I never need to review it.
You do. As your health, age, location, income, loans, and family responsibilities change, your insurance must evolve with your life.
Employer-provided term insurance is sufficient.
It is usually not. Moreover, employer cover ends when you change jobs or retire early without completing your responsibilities. It is rarely enough to protect your family long-term.
Low premium term life insurance policy is the best.
Generally no. A cheaper policy may come with poor claim service, restrictive clauses, or a financially weak insurance company.
Term Life 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.
I do not need term life insurance if I have no dependents.
You may still need term life insurance as it also protects against loans, medical emergencies, and future responsibilities.
I can buy term life insurance anytime I want.
Not necessarily. Health conditions or age can raise premiums or lead to rejection. Early planning keeps options open.
High claim settlement ratio is enough to trust a term life insurance company.
It helps, but it is not enough. Exclusions, servicing quality, and claim processes matter just as much.
Medical tests are bad when purchasing a term life insurance policy.
No. Medical tests protect you. They reduce future claim disputes and ensure fair pricing.
Disclosing health issues lead to rejection of term life insurance policy.
Not necessarily. Non-disclosure is the bigger risk. Honest disclosure improves claim certainty.
Term life insurance riders are unnecessary add-ons.
No. Some riders add meaningful protection or features at a reasonable additional cost.
Term life insurance planning ends after buying a policy.
No. Life events like marriage, children, or loans require timely updates to your cover.
My term life insurance claim settlement depends on luck.
No. Successful claims depend on the right insurance company, right policy, and correct disclosures.
Online term life 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.
Term life insurance is mainly a tax-saving tool.
No. Tax benefits are a bonus. Protection should always come first.
Higher term life insurance cover is better.
No. Adequacy matters more than the size of cover. The cover must match your income and responsibilities.
Term life insurance is too complicated and best avoided.
It only feels complicated. With a structured process and proper advice, it becomes simple and effective.
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
Anjali Jaiswal
Yogita Tiwari
Purnima Mistry
Pranal Patankar
Experience Unbiased, Family-First Insurance Advisory
| Aspect | Zenith Finserve | Others |
|---|---|---|
| Approach | Planning-led and needs-based | Product-led and price-driven |
| Goal | Protect your family’s goals and savings | Sell a policy quickly |
| Company Selection | Shortlisted after deep research on various aspects | Limited to preferred or promoted companies |
| Policy Selection | Filters out policies with unfavourable clauses | Many clauses go unnoticed |
| Cover Calculation | Based on your income, expenses, assets, loans, existing insurance & goals | Often a fixed multiple or generic thumb rule |
| Inflation Consideration | Always factored into cover amount | Usually ignored |
| Cost Evaluation | Balances premium with protection quality | Benefits of costly premium policies highlighted |
| Medical Disclosure Guidance | Handheld support to reduce claim risk | Minimal guidance |
| Review Process | Periodic reviews as life changes | No structured reviews |
| Claim Support | Lifelong claim assistance to your family | Largely self-managed |
Answering Your Most Common Questions
Why do I need term life insurance?
Term life 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 term life insurance?
The best time to buy term life insurance is when you are young and healthy.
Premiums are lower, options are wider, and approvals are easier.
Can I buy term life insurance online on my own?
Yes, you can. But choosing the right cover, insurance company, and policy features needs careful guidance to avoid costly mistakes.
The family’s goals could be at stake in your absence.
Yes. If both share financial responsibilities then both need protection.
Yes, you can. But choosing the right cover, insurance company, and policy features needs careful guidance to avoid costly mistakes.
The family’s goals could be at stake in your absence.
Will term life insurance affect my taxes?
Tax benefits exist, but they should never drive the decision. Protection always comes first.
How does inflation affect term life 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 term life insurance cover later?
Yes, though it may come at an additional cost and require medical checks.
What if I already have multiple life insurance policies?
We review them all, calculate your time life insurance needs as per your responsibilities and guide you what you need to do with your existing policies.
Can I surrender or change my existing life insurance policy?
Yes, in many cases. We recommend changes only if they genuinely benefit you.
Are term life insurance riders really useful or just extra costs?
Some riders add valuable protection at a reasonable cost. We suggest only those that strengthen your safety net.
What happens to my term life insurance if I change jobs or cities?
Your personal term life insurance stays with you. This is why individual policies are more reliable than employer cover.
What if I miss a term life insurance premium payment?
Most term life policies offer a grace period. We guide you on revival options to avoid losing coverage.
What if my term life insurance company changes policy terms in the future?
Once issued, your term life policy terms remain locked. Future changes apply only to new policies.
Do term life insurance claims actually get settled?
Yes, most claims are settled when disclosures are honest and the insurance company is strong.
We prioritise claim certainty over just buying a policy.
How do you ensure the insurance company will pay claims in the future?
We evaluate solvency, financial strength, claim settlement practices, and service quality before recommending any insurance company.
Who should be the nominee in my term life insurance policy?
Someone who will actually receive and manage the claim amount. We also align nominations with your estate plan.
What support does Zenith Finserve provide during a term life insurance claim?
We guide your family through the claim process. Our role is to reduce stress during a difficult time.