Buy a plan (coming soon)
We're partnering with licensed insurers. For now, your advisor handles the buy — every sale stays on their official link.
Notify when live — coming after IRDAI partner go-live.
Indicative, not a price list
Commission bands are typical industry ranges, not a promise. There is no "Buy now" inside funngro — every real sale happens through your licensed partner's official link, with the customer's full disclosure.
- health
Sample Insurer A
Family Floater · ₹5L
Affordable entry floater for young families. No room-rent cap.
- Good for
- Couple under 35 with one child, no pre-existing conditions.
- Watch out
- 3-yr waiting on specific illnesses (cataract, hernia, knee).
- Indicative commission
- 10–15% yr-1 · 5–7% on renewals
- Sample customer
- Asha, 32, Bengaluru, salaried, husband + 4yr old. Has corporate cover but worried it ends if she switches jobs.
Training note: Lead with the room-rent point — most competitors cap it. Show the waiting-period table before close. - health
Sample Insurer B
Senior Citizen Care · ₹10L
Designed for 60+ — covers domiciliary, AYUSH, and home nursing.
- Good for
- Parent aged 60–75 not yet covered by a policy.
- Watch out
- Pre-existing wait of 2 yrs. Co-pay of 20% on every claim.
- Indicative commission
- 12–17% yr-1 · 6–8% on renewals
- Sample customer
- Mr. Rao, 68, Hyderabad. Retired, diabetic since 5 yrs. Son wants to gift him cover.
Training note: Always disclose co-pay upfront. Never let the customer hear about it first from the claim team. - term
Sample Insurer C
Pure Term · ₹1Cr / 30 yrs
Plain term cover, no return-of-premium gimmicks.
- Good for
- Sole earner with a home loan or young children.
- Watch out
- Suicide clause (1 yr). Smoker premium loaded ~40%.
- Indicative commission
- 20–30% yr-1 · 3–5% on renewals (term is yr-1 heavy)
- Sample customer
- Karan, 34, Mumbai, IT, sole earner, ₹40L home loan, 2-yr old daughter.
Training note: Push back gently on ROP variants — they confuse cover with savings. - motor
Sample Insurer D
Comprehensive Car · OD + TP
Zero-dep available. Engine protect add-on for monsoon cities.
- Good for
- New car owners in Mumbai / Chennai / Bengaluru.
- Watch out
- Zero-dep typically expires after 5 yrs of car age.
- Indicative commission
- 10–15% on OD portion · 0% on TP
- Sample customer
- Neha, 29, Chennai, new Hyundai Creta, first-time car owner.
Training note: Always recommend engine protect in flood-prone cities. Cheapest premium is rarely the right answer. - travel
Sample Insurer E
Schengen Travel · $50k
Meets visa requirement, covers baggage loss and trip delay.
- Good for
- Anyone with a Europe trip in the next 90 days.
- Watch out
- Pre-existing diseases excluded unless declared.
- Indicative commission
- 15–25% (single-trip, one-time)
- Sample customer
- Rohit & Priya, honeymoon, France + Italy, 12 days.
Training note: Ask about the trip date BEFORE quoting — last-minute cover costs more. - personal-accident
Sample Insurer F
Personal Accident · ₹25L
Pays out on accidental death + permanent disability. Cheap.
- Good for
- Two-wheeler commuters and gig workers.
- Watch out
- Doesn't cover illness — pair with health, not replace it.
- Indicative commission
- 15–20% yr-1 · 5–10% renewals
- Sample customer
- Suresh, 26, Pune, Swiggy rider, no other cover.
Training note: Great opener with delivery riders and cab drivers — premium under ₹1000/yr.
Want to save plans to your kit?
Sign in as an advisor and publish your mini-site — your kit becomes the "plans I help with" section.
Sign in