Health
Who needs it: everyone, including people covered by an employer, because that cover ends the day the job does and cannot be bought back at 52 on the same terms.
Who genuinely does not: nobody. This is the one policy with no honest exemption.
Insurance
Cover sized to the people who depend on you
Insurance is the one purchase where the useful question is how much your family needs, not how little the premium can be. We sell five categories, we say plainly which ones most people can skip, and we put the policy wording in front of you before anything is signed.
Which cover do you actually need?
Most households need two policies, not five. Health and term do the heavy lifting. The other three are situational, and two of them are only worth buying because the law or a lender says so.
Term life
Who needs it: anyone whose income pays somebody else’s rent, school fees or loan EMI. Pure term, nothing attached to it.
Who genuinely does not: people with no dependants and no joint debt. A single earner supporting only themselves is buying a policy for the insurer.
Motor
Needs it: every vehicle owner, because third-party cover is a legal requirement, and anyone whose car would be painful to replace.
Does not: owners of a low-value second car who can absorb the loss. Third party only is enough there.
Home
Needs it: owners in flood, cyclone or earthquake zones, and anyone whose home loan agreement asks for it.
Does not: tenants with modest contents. A structure policy on a home you do not own covers the wrong thing.
Travel
Needs it: anyone travelling abroad, where a single hospital admission can cost more than the trip, and Schengen applicants who must show it.
Does not: domestic travellers already holding health cover. You are paying twice for the same admission.
Our position
What we will not sell you
Three things are declined here regardless of what they pay us. If another distributor is pushing one of them, this is the page to read first.
Insurance sold as an investment
ULIPs and endowment plans dressed up as savings. They mix two jobs and do neither well, the returns are opaque, and the money is locked for years. Buy term cover, keep the investing separate.
Riders that duplicate what you hold
Critical illness stacked on a policy that already pays for it, personal accident bolted to cover you have through work. We check the wording of what you already own before adding anything.
Policies chosen for commission
Insurers pay different rates for the same category of cover. Where two policies are comparable on wording and claims record, the one that pays us more is not the one that gets proposed.
Which insurers can you buy through Zenith?
14 insurers, listed in full below. The set is bounded by what the Motilal Oswal agency covers and by Rajesh ji’s own life licence, so it is what we can service rather than everything that exists.
Health6
Life8
All names, logos and marks shown are the property of their respective owners and appear here for identification only. Their presence does not imply any affiliation with, or endorsement or sponsorship of, Zenith Wealth by these insurers. Health and term products are facilitated via Motilal Oswal Financial Services Ltd. LIC business is placed on the individual agency licence held by Rajesh Kumar Pancholi.
Questions people ask before they buy
Yes, hold a personal policy alongside it. Employer cover stops when the job stops, and it usually stops at the worst moment, during a notice period or after a health event. Buying your own policy while you are well is what fixes your waiting periods early.
No. Nothing is charged to you. We are paid a commission by the insurer, which is built into the premium set by the insurer and regulated by IRDAI. Your premium is the same whether you buy through us or direct.
Because that is what we can actually service. It is the set covered by our Motilal Oswal agency and the life licence held in Rajesh ji’s name. A longer wall would look better and mean less at claim time.
Yes. We chase the third party administrator, gather the documents the insurer is asking for and escalate through the insurer’s grievance channel. The decision belongs to the insurer, and if it stands you can take it to the Insurance Ombudsman.
For health cover, portability at renewal lets you change insurer while carrying your accrued waiting periods, if you apply 30 to 45 days before renewal. Servicing can also be moved without changing the policy. Bring the schedule and we will read it first.
They are arranged for existing clients through Policybazaar rather than sold as a focus. Motor and home are largely price comparisons on standardised wording, and you can do that yourself in ten minutes without paying anyone for the help.
Next step
Bring the policy you already have
Thirty minutes, on a call, reading your existing wording line by line. If your cover is already right, we will tell you that and nothing needs to change.
Related
PMS, AIF, bonds (primary and secondary), NCDs, term insurance and health insurance products are facilitated via our partner Motilal Oswal Financial Services Ltd (SEBI Reg INZ000158836). Zenith Wealth acts as a referral and distribution partner; product issuance, custody and execution are by Motilal Oswal.
Insurance is the subject matter of solicitation. The precise terms of cover are specified in the policy contract. Premiums are subject to underwriting and acceptance by the insurer, and claims are subject to policy terms and conditions. Please read the policy wording before making a purchase decision.
Life insurance from LIC is placed on the IRDAI agent licence held by Rajesh Kumar Pancholi. Life cover from other insurers is facilitated via our partner Motilal Oswal Financial Services Ltd.
Motor and general insurance products are facilitated via our partner Policybazaar. Zenith Wealth acts as a referral partner.