Meet your personal financial advisor.
Clarity in 30 minutes.
Most people have investments. Very few
have a comprehensive financial plan.
500+
Families Advised
IRDA
Certified Advisors
9/10
Customer Review Score
100%
Free, No Obligation
Sound familiar?
Top mistakes people often make with their money
Working with salaried professionals across India, more often we see these patterns. If any of these sound like you, you're not alone and it's not your fault no one teaches this.
Mistake 01
Under-insured
Most people pick a flat, round-number cover because it sounds like enough. But the right amount depends on your age, income and liabilities — not a fixed figure — so a base cover can still leave your family short exactly when they need it most.
Mistake 02
Inefficient Investments
Money parked in low-yield, high-cost products can look safe while it quietly loses to inflation and fees — costing you far more over time than it seems to.
Mistake 03
Tax leakage
Most people pay more tax on their savings than they need to. Section 80C is not a financial plan.
Mistake 04
No plan
Random investments without a goal is not investing. It's hoping.
What we advise on
Financial advisory that covers your full picture
We are advisors. Our job is to understand your life and recommend the right combination of protection, investment, and tax planning.
Protection
Term insurance sized to your actual liabilities. Not a thumb rule.
Wealth Building
Market-linked plans that grow your money and stay liquid when you need it.
Tax Planning
Legal structures that let you keep more of what you earn every year.
Retirement
A plan that ensures you never outlive your savings.
Deep dive
Understanding term insurance
It is the most misunderstood product in personal finance. Here is everything you need to know.
A term plan pays your family a fixed amount of money if you die during the policy period. No savings, no investment, no returns. Just pure protection at the lowest possible cost.
Think of it as renting protection. You pay a small annual fee to ensure your family never faces a financial crisis if something happens to you.
How it works
You pay a small annual premium
A ₹1 Cr term plan for a healthy 30-year-old typically costs ₹600–₹900 per month. Less than a Netflix subscription.
You stay covered for the full term
Usually until age 60 or 70. As long as premiums are paid, your family is protected no questions asked.
Your family gets the full payout
If you pass away during the term, your nominees receive the entire cover amount tax-free, within days.
Riders worth knowing about
Add-ons that extend your base term plan. Some are genuinely useful; some are marketing.
Pays out a lump sum if you're diagnosed with cancer, heart attack, stroke, or 30+ other conditions. You use it while you're alive.
If you become permanently disabled, future premiums are waived but your policy stays active. Your family stays protected even if you can't pay.
Your nominees receive an additional payout (often 1–2× the base cover) if death is caused by an accident.
Your cover increases by 5–10% every year to keep pace with inflation and your growing responsibilities.
Not sure which plan is right for you?
That's exactly what our free 30-min call is for.
How much life cover do you actually need?
Your ideal cover isn't a flat number — it changes with your age and income. Use the age-based multiplier method below to find your real number.
Why "10× your income, no matter your age" is wrong
A 28-year-old and a 52-year-old earning the same salary don't need the same cover. The 28-year-old has 30+ working years of income to protect; the 52-year-old has far fewer. A flat multiplier ignores that entirely — the right multiple shrinks as you age, from 30× in your early 30s down to 5× in your late 50s and 60s.
The age-bracket method (below) accounts for this automatically.
Recommended Cover
₹2.70 Cr
Your Current Gap
₹2.70 Cr
Your Family Is
❌ Critically Under-protected
Your insurer matters more than your premium
How we choose which insurer to recommend
Most advisors push the cheapest plan. We start with who will actually pay the claim then find you the best price within that shortlist.
Your fund matters more than last year's return
How we choose the right investment plan
Most people pick a fund because of last year's returns. We start with what you'll actually keep after costs and tax, over the long run then find you the right fit within that shortlist.
The process
How Claro works
Simple, transparent, and completely pressure-free.
Book a free 30-min call
No sales pitch. Just clarity. We listen, ask the right questions, and understand your complete financial picture.
Get your financial plan
We map your goals, gaps, and the right instruments. A plan built around your life not a generic product from a shelf.
You decide
We send a proposal. You choose. Zero pressure. Walk away with a clearer picture of your finances regardless.
No commitment. Just clarity.
The difference
Clarity you won't get anywhere else
There's a difference between buying a policy and having a financial plan built for your life.
| Feature | Other Platforms / DIY | Claro |
|---|---|---|
| Approach | Pick a policy yourself | Get a personalised plan |
| Advice | Algorithm-based | Human advisor, real conversation |
| Tax planning | Not included | Built into every plan |
| Coverage check | Generic calculator | Based on your actual liabilities |
| Ongoing support | None after purchase | Annual review included |
| Cost | "Free" (commission hidden) | Free consultation, zero-conflict honest advice |
Real people, real results
What our clients say after the free call
These aren't paid reviews. These are people who came in sceptical and left with clarity.
"I thought I was sorted with my company insurance and a couple of LIC policies. The call showed me I had a ₹1.2 Cr coverage gap I had no idea about. Sorted it the same week."
Ramesh K.
Software Engineer, Bengaluru
"No pushy sales at all. They explained term vs ULIP in plain language, helped me pick the right riders, and let me decide at my own pace. That alone made me trust them."
Priya M.
Product Manager, Chennai
"I've spoken to 3 advisors before Claro. This was the first time someone actually listened to my goals before recommending anything. Got a ₹2 Cr plan at the lowest market rate."
Saquib Ansari
Senior Manager, Amazon India, Bangalore
"As a working mother with a home loan, I had no idea how exposed my family was. Claro mapped the exact gap and set up a plan in one call. Couldn't have done this alone."
Kavita R.
HR Manager, Pune
"The Claro team comes across as highly trustworthy and genuinely committed to helping people make the right decisions. They take the time to understand individual needs, provide honest guidance, and focus on putting you on the right track rather than offering one-size-fits-all advice."
Sashvi
Marketing Professional
"I thought I was sorted with my company insurance and a couple of LIC policies. The call showed me I had a ₹1.2 Cr coverage gap I had no idea about. Sorted it the same week."
Ramesh K.
Software Engineer, Bengaluru
"No pushy sales at all. They explained term vs ULIP in plain language, helped me pick the right riders, and let me decide at my own pace. That alone made me trust them."
Priya M.
Product Manager, Chennai
"I've spoken to 3 advisors before Claro. This was the first time someone actually listened to my goals before recommending anything. Got a ₹2 Cr plan at the lowest market rate."
Saquib Ansari
Senior Manager, Amazon India, Bangalore
"As a working mother with a home loan, I had no idea how exposed my family was. Claro mapped the exact gap and set up a plan in one call. Couldn't have done this alone."
Kavita R.
HR Manager, Pune
"The Claro team comes across as highly trustworthy and genuinely committed to helping people make the right decisions. They take the time to understand individual needs, provide honest guidance, and focus on putting you on the right track rather than offering one-size-fits-all advice."
Sashvi
Marketing Professional
"Detailed analysis and accurate solutioning — the Claro team definitely helped me in bridging the understanding gap."
Ritendra
Sales Lead
"As a CA, I run other people's numbers all day and kept putting off my own. Claro sat with me for one call, mapped my actual liabilities properly, and I finally have a policy that matches my numbers, not a guess."
Prateek
Chartered Accountant
"Between travel and back-to-back calls, I kept postponing getting insured. Claro made the whole thing painless — one call, clear numbers, zero follow-up hassle. Sorted within a week."
Akanksha
Tech Sales
"I'd already gotten quotes from two other platforms and both pushed ULIPs at me. Claro was the only one that recommended plain term cover because that's actually what made sense for my situation."
Devika
Tech Sales
"Detailed analysis and accurate solutioning — the Claro team definitely helped me in bridging the understanding gap."
Ritendra
Sales Lead
"As a CA, I run other people's numbers all day and kept putting off my own. Claro sat with me for one call, mapped my actual liabilities properly, and I finally have a policy that matches my numbers, not a guess."
Prateek
Chartered Accountant
"Between travel and back-to-back calls, I kept postponing getting insured. Claro made the whole thing painless — one call, clear numbers, zero follow-up hassle. Sorted within a week."
Akanksha
Tech Sales
"I'd already gotten quotes from two other platforms and both pushed ULIPs at me. Claro was the only one that recommended plain term cover because that's actually what made sense for my situation."
Devika
Tech Sales
500+ clients advised · Zero complaints
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- Personalised plan, not a generic product pitch
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Frequently asked questions
Plain answers. No jargon.