Smart Term Plan Plus
Axis Max Life
- Coverage starting
- ₹1 crore
- Premium starting
- ₹548/month*
Term Insurance
Peace of mind that your loved ones stay financially protected.
We help you find the right life cover for your income, responsibilities and long-term goals — and tell you honestly which kind you actually need.
- Term plans
- Endowment plans
- ULIP plans
- Money back plans
- Whole life plans
Plans we recommend often
Multiple brands. One honest shortlist.
A starting point, not a prescription — always sized to your income, loans and dependents first.
Click to Protect Supreme+
HDFC Life
- Coverage starting
- ₹1 crore
- Premium starting
- ₹504/month*
Sampoorana Raksha Promise
Tata AIA
- Coverage starting
- ₹1 crore
- Premium starting
- ₹565/month*
*Indicative premiums. Yours depends on age, city and health profile — we’ll quote it in minutes, free.
Get a free quote today and secure your family's tomorrow.
No spam, no obligation — one conversation, honest advice.
Why Conflux
Why families choose Conflux for term cover
Cover sized to your life
Income, loans, dependents — we work out the number, not a round figure off an ad.
The form, done right
Proposal form and exclusions read with you line by line, so nothing undisclosed haunts the claim.
Honest about products
If term is all you need, we say so — no pushing bundles for the commission.
There at claim time
Your nominee won't face the paperwork alone — we handle the claim end to end.
Real scenarios
Real families. Real decisions.
Anonymised, but the kind of conversation we have every week — and where it landed.
Newly married, both 28, no cover yet
- Want life cover before starting a family
- Prefer a low premium locked in early
We recommended: ₹1 crore level term till age 60
Why this fits
- Premiums lock at 28 — the cheapest they will ever be
- Pure protection, no savings bundle eating the budget
35, salaried, home loan + one child
- Only cover is a 3× salary corporate policy
- ₹60 lakh home loan outstanding
We recommended: ₹1.5 crore term with waiver-of-premium rider
Why this fits
- Sized to income replacement plus the loan, not a round number
- Cover no longer disappears with the next job switch
42, business owner, existing ULIP
- Sold a ₹25 lakh ULIP as 'life cover' years ago
- Family's lifestyle needs far more
We recommended: ₹2 crore term + kept the ULIP as an investment
Why this fits
- Protection gap closed for a fraction of the ULIP premium
- Disclosure done line by line, so the claim can't be questioned
Points to note
For your term insurance
A term plan is only as good as the claim it eventually pays. These checks decide it.
Disclose everything on the proposal form — smoking, health history, real income, hazardous hobbies. Non-disclosure is the single biggest reason term claims get rejected.
Size the cover to your life, not a round number — 15–20× your annual income, plus loans outstanding.
Accidental death extra, critical illness and disability payouts all need riders — nothing beyond the death benefit is automatic.
Read the exclusions before you need them: adventure sports, intoxication and war clauses vary by insurer.
Corporate group cover isn't a substitute — usually 2–3× salary, and gone the day you switch jobs.
Check the insurer's claim settlement ratio — above 95% is a good sign.
Keep your nominee informed: where the policy is, and how to claim.
What clients say
Rated 4.9★ on Google by 150+ families
“I had a really wonderful experience with Sankalp Sengar sir from Conflux IMF LLP while choosing health insurance for my family.”
Mayank JhaGoogle review “I recently got my term insurance done through Conflux Limited, and I'm really happy with the experience. Sankalp ji and Krishna ji were extremely helpful throughout the entire process.”
pruthu chandanGoogle review “I had an excellent experience with the Beshak advisory team from Conflux, especially Amit and Krishna from Sankalp's team.”
Mohan GrandhiGoogle review “I had a very smooth experience with Conflux IMF LLP for my health insurance claim settlement. The entire process was handled efficiently and both pre and post hospitalization claims were approved completely without any hassle.”
Nehali SurveGoogle review “What truly stood out was his transparency, patience, and the genuine effort he put into understanding our pre-existing conditions (PEDs) in detail.”
Shawn SunnyGoogle review “Honest and detailed guidance given on all questions I had about taking life insurance. The best part is that the initial call is free, they provide you with all the details and then do not constantly call you and pressure you into purchasing a policy.”
aditya nairGoogle review “Working with Animesh and Rahul was a very smooth and reassuring experience. They patiently explained all the family floater policy options, clarified the coverage details, and helped me choose a plan that perfectly suited my family’s needs and budget.”
sumit ranjanGoogle review “From understanding my requirements, choosing the right insurer to support on any claims, they have been thorough and very good. Sankalp and team were patient with all my queries across all stages.”
Aditya KGoogle review “The team was never pushy at all and never forced me to pick a particular health insurance policy. It made the whole process comfortable.”
Samir DeshmukhGoogle review “Special thanks to Animesh for his constant support and quick response throughout the process. He was very helpful, professional, and ensured everything was handled efficiently.”
Sravani ReddyGoogle review
Growing Wealth. Guarding Futures.
Let’s build the right plan for you and your family.
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