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No. Insurance placement is compensated by the insurer — you pay the same premium whether you buy from us or directly. For mutual funds, we're an AMFI-registered distributor and receive standard trail commissions built into the fund's expense ratio.

The price is the same, but the outcome isn't. Online you're on your own — for policy selection, exclusions, and, crucially, at claim time. We handle documentation, insurer follow-ups, and disputes on your behalf. That single service pays for itself with the first claim.

Yes. All policies can be issued digitally — we handle it over WhatsApp, video call or email. Documents are shared electronically and premiums paid online. Clients across India work with us this way.

Typically: PAN, Aadhaar, address proof, a passport photo, and (for health/term) a basic medical questionnaire. For motor: RC book. We'll send you a customised checklist once we understand your requirement.

Call or WhatsApp us the moment the event happens. We initiate the claim, share the document checklist, and coordinate with the insurer end-to-end. For cashless hospitalisation and motor claims, we brief you on the on-site process too.

Third-party is legally mandatory and only covers damage or injury you cause to others — nothing for your own vehicle. Comprehensive adds own-damage cover (accidents, theft, fire, natural calamities, vandalism) and includes a personal accident cover for the owner-driver. For anything newer than a few years old, comprehensive is almost always the smart choice.

IDV is the maximum amount the insurer will pay if your vehicle is stolen or declared a total loss. It's based on the manufacturer's list price minus depreciation. A higher IDV means a slightly higher premium but a fairer payout when you actually claim — never let an agent lower your IDV just to reduce premium.

NCB is a discount on the own-damage premium for every claim-free year, starting at 20% and going up to 50% after 5 years. It belongs to you, not the car — when you sell the old vehicle and buy a new one, you can transfer the accumulated NCB to the new policy. You can also protect it with an NCB-protect add-on so one small claim doesn't wipe out years of discount.

Without it, when you claim for damaged plastic, rubber or metal parts the insurer deducts depreciation — you get less than the replacement cost. Zero-dep pays the full value of these parts without depreciation. Highly recommended for cars under 5 years old, especially premium and imported models where part replacement is expensive.

Yes. Third-party bike insurance is compulsory under the Motor Vehicles Act — riding without it can attract a ₹2,000 fine, community service, or even imprisonment on repeat offence. Comprehensive is optional but strongly recommended, especially in Goa where two-wheeler theft and monsoon-related damage are common.

An add-on that gets you help for breakdowns, flat tyres, empty fuel, dead battery, lockouts and towing — 24×7, usually within an hour. Costs ₹200–500 a year and is easily worth it if you drive long distances, on highways, or in remote parts of Goa where a mechanic isn't a phone call away.

An individual plan gives each family member their own sum insured — best if any single member has a high-risk profile. A family floater shares one larger sum insured across the whole family for a much lower total premium. For young families where no one has serious pre-existing conditions, a floater with a large sum insured (₹10 L+) is almost always the better value.

Yes, but only after a waiting period — typically 2 to 4 years depending on the insurer and condition. During that period, hospitalisation directly related to your declared PED isn't covered. Always disclose every existing condition when you buy — hiding it gives the insurer legal grounds to reject a claim, no matter how expensive.

Three main ones: (1) Initial 30-day — nothing except accidents is covered in the first month. (2) Specific-illness — 1 to 2 years for procedures like cataracts, hernia, joint replacement. (3) Pre-existing disease — 2 to 4 years. Emergency accidents are always covered from day one.

Cashless means the insurer settles the bill directly with a network hospital — you walk in, get treated, walk out without paying (except for excluded items). Reimbursement means you pay first and claim later, needed at non-network hospitals. Always check that your insurer has a strong local network — most Goa hospitals are covered by the major insurers we work with.

A rough benchmark for a family in India today: ₹10 lakh minimum in metros, ₹5–7 lakh in tier-2 towns. Add a super top-up plan to boost cover to ₹25 L or ₹50 L for a fraction of the premium — hospital bills for critical care easily cross ₹8–15 lakh, and medical inflation is running at 12–14% every year.

COVID-19 hospitalisation — yes, under all standard health policies now. Maternity — only under specific plans that include it, usually with a 2–4 year waiting period. Dental — generally excluded unless the treatment is due to an accident, or you've bought a dedicated dental add-on. We'll flag the exact coverage of any plan before you buy.

Mutual funds are regulated by SEBI and your units are held in your own name in a demat / folio account. TR Financials never touches your money — you invest directly with the AMC. Returns, however, depend on market performance and are not guaranteed.

As low as ₹500 per month. There's no maximum. What matters is starting early and staying consistent — a ₹5,000 SIP for 20 years at 12% CAGR grows to roughly ₹50 lakh, and the same SIP for 25 years grows to ₹95 lakh. Time in the market beats amount invested.

Yes. SIPs are fully flexible — you can pause, increase, decrease or cancel at any time with no penalty. Most investors use "step-up SIP" to automatically raise the amount by 10% every year in line with income growth.