Starter
A clear first look at where you stand.
₹0one time
No card, no commitment
- Review of existing policies
- Life cover gap check
- One 45-minute advisor call
- Goal-based savings plan
- Claims assistance
Protect what you have. Grow what you want.
SmartPolicyNavigator brings insurance and savings planning together, so one advisor looks at your whole financial picture instead of one policy at a time.
No fee for the first review
Licensed advisors
Claims help included
Suggested life cover
Estimated premium
per monthProjected value
You put in Growth
Illustration only, not an offer or a guarantee. Premiums depend on health, occupation and insurer underwriting. Investment returns are not assured.
About Us
One advisor. Your whole financial picture.
Licensed advisorsIRDAI registered
Bridging protection and growth
Founded on the goal of total financial clarity, SmartPolicyNavigator helps individuals and families close the gap between risk cover and capital growth, with advice that ties back to your real milestones.
Most financial planning fails not from a lack of options, but from fragmentation. When your insurance policies, investment funds, and retirement accounts operate in silos, you are left to bridge the gaps yourself. SmartPolicyNavigator replaces this disconnected approach with a single, synchronized strategy—ensuring that every asset you grow is actively safeguarded, and every protection plan supports your long-term liquidity.
Whether you are preparing to buy your first home, funding higher education, or structuring a seamless retirement income, our advisors build a unified framework designed around your personal timeline. We measure success not by abstract market benchmarks, but by how predictably you reach each major milestone on your horizon.
- ReviewWe look at your existing policies, savings and goals.
- PlanYou get a clear, jargon-free plan with realistic expectations.
- SupportWe stay with you from setup through to claims.
Unbiased Advisory
We work for you, choosing from top providers without brand bias.
End-to-End Support
From setup to emergency claims, we walk with you at every step.
Goal-Based Planning
Every recommendation ties back to your family milestones.
Zero Jargon
Plain language, simple numbers and honest expectations.
Services
Everything you need to protect and grow
Insurance and investment solutions from one advisor, chosen around your goals.
Two jobs, one plan
Insurance covers the risks you can't afford to carry alone. Investments do the long-term work of building wealth. We set both up together so they don't overlap or leave gaps.
Insurance
Cover for the things that would hurt most if they went wrong.
- Life insuranceIncome for your family if you're no longer there to earn it.
- Health insuranceHospital bills and treatment costs for you and your family.
- Home and propertyRepairs and replacement after fire, theft or natural damage.
- Motor insuranceAccident, damage and third-party liability for your vehicle.
Wealth
Steady, goal-based investing with fees explained up front.
- Goal-based investingSeparate plans for a home, education or a business, each with its own timeline.
- Retirement planningWork out how much you need and how to reach it without guessing.
- Portfolio reviewA second opinion on what you already hold, and what it costs you.
- Tax-smart planningUse the deductions and structures that already apply to you.
Pricing
Simple plans. No surprises.
Start with a free review. Upgrade only when you want an advisor to stay with you.
Family Shield
Full protection plus a plan for your main goals.
₹499/ month
Billed monthly
- Everything in Starter
- Life, health and term plan comparison
- Up to 3 savings goals mapped
- Claims assistance included
- Yearly plan check-up
Wealth Plus
Ongoing guidance for larger goals and retirement.
₹1,499/ month
Billed monthly
- Everything in Family Shield
- Retirement income roadmap
- Unlimited goals, tax-aware planning
- Quarterly portfolio reviews
- Priority advisor line
Advisory fees shown are illustrative. Insurance premiums and investment costs are charged separately by providers.
Client Stories
See how we've helped real families secure their future and build peace of mind.
FAQ
Questions, answered plainly.
Can't find what you need? Our advisors are happy to explain.
Still unsure?
Talk to an advisor. The first review is free and there is no pressure to buy.
Talk to an advisorIs the first plan review really free?
Yes. The first review is free, with no card needed and no obligation. You get a written summary of gaps and overlaps in your current cover and savings.
How much life cover do I actually need?
A common starting point is 10 to 15 times your yearly income, adjusted for loans, dependants and existing cover. The planner above gives a quick estimate, and your advisor refines it.
Do you favour particular insurers?
No. We compare plans from multiple providers and recommend what fits your goals and budget, and we explain why.
What happens when I need to make a claim?
Your advisor helps with documents, follows up with the insurer and keeps your family updated, so you can focus on what matters.
Are investment returns guaranteed?
No. Market-linked returns can go up or down. Our projections are illustrations, and we set realistic expectations before you invest.
Can I switch or cancel my plan later?
Yes. You can upgrade, downgrade or stop our advisory plan at any time. Existing insurance policies stay in force under their own terms.
Talk to an Advisor
Schedule a complimentary financial review or get answers to your questions.
Get In Touch
We are here to provide clear advice, helping you make informed decisions for your family's financial security.
Phone Support+91 9878676765
Email Ussupport@smartpolicynavigator.com
Office Address55 vigneshwara complex Neralakatte, road, parthikatte, Tallur, Kundapur, Karnataka 576230
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