Lightpostclear money guidance
IRDAI & AMFI registered100% freeZero spam

Money advice for the future,
minus the jargon.

Health cover, term life & mutual funds — decoded by licensed advisors and smart tools. Understand your options in minutes, decide with confidence, pay nothing for the guidance.

💬 WhatsApp🧮 Free calculators
36plain-English guides
3free money calculators
30 minfree advisor call
₹0cost to you, ever
Posty · Lightpost AIonline — replies instantly
Ask about cover, SIPs, claims…
✦ Term Insurance ✦ Health Insurance ✦ Mutual Funds ✦ SIP Calculator ✦ Claim Support ✦ Tax Saving ELSS ✦ Free Financial Advice ✦ IRDAI Licensed ✦ AMFI Registered ✦ Zero Spam ✦ Term Insurance ✦ Health Insurance ✦ Mutual Funds ✦ SIP Calculator ✦ Claim Support ✦ Tax Saving ELSS ✦ Free Financial Advice ✦ IRDAI Licensed ✦ AMFI Registered ✦ Zero Spam
What we help with

Guidance on the decisions that matter

Start with any of these. Every conversation begins with your situation — never a product pitch.

PROTECTION🛡️

Term Life Insurance

₹1 crore+ for your family if something happens to you. The right cover, the right premium, zero confusion.

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HEALTH🏥

Health Insurance

Cover your family's hospital bills without overpaying. We decode the fine print — room rent, co-pay, waiting periods.

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GROWTH📈

Mutual Funds & SIP

Grow your money toward your goals with SIPs done right. Fund choice, tax saving, yearly reviews. Market risks apply.

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How it works

The Lightpost way — human + smart tools

01 · UNDERSTAND

Talk to an expert

IRDAI & AMFI certified advisors, not pushy salesmen. Start with a free 30-minute call or a WhatsApp chat. Guaranteed no-spam.

30-min callZero cost
02 · DECIDE

Compare & choose

2–3 honest options tailored to you — with calculators and plain-English guides so you understand why each fits. Help filling the application correctly.

Clear optionsNo mis-selling
03 · SUPPORT

Lifetime support

Help at claim time, renewal reminders and portfolio reviews for your investments — whenever you need it, for as long as you need it.

Claims helpReviews
Why Lightpost

The buying experience, compared

✦ Lightpost
Other websites

Shortlisting

A policy that fits your finances & health

✓2–3 hand-picked options with clear, tailored explanations
✕Little human guidance; policies pushed without context

Application & payment

The most critical step

✓Expert help & clear do's and don'ts for declarations
✕No guidance — mistakes disrupt your claim later

Calculators & learning

Understand before you decide

✓Free SIP, cover & emergency-fund calculators + 36 guides
✕Thin content designed to capture your number

After you buy

Renewals & claims

✓Issue resolution & lifetime claim support
✕Little support; rejections mean slow follow-ups
Free tools

Know your numbers in seconds

Illustrative estimates — then get them reviewed free by a licensed advisor.

🛡️ Term cover estimator

Suggested cover
₹ —

Illustrative estimate using a common income-multiple method. Your ideal cover depends on your goals, savings and family.

📈 SIP growth estimator

Projected value
₹ —

Illustrative projection at a constant assumed return. Mutual fund investments are subject to market risks; actual returns will vary.

Checklists

Know exactly what to look for

🛡️ Term insurance checklist

  • Cover of 10–15× income + loans
  • A claim-settlement ratio you trust
  • Cover until dependents are independent
  • Honest, complete health disclosures
  • Riders only if you truly need them

🏥 Health insurance checklist

  • Enough cover for your city's costs
  • No restrictive room-rent cap
  • Low or no co-pay
  • Wide cashless network near you
  • Short waiting periods, honest disclosures
Learn

Money, explained simply

36 jargon-free guides written for real decisions — not for selling.

Guide

What is term insurance?

The cheapest way to protect your family.

Calculator guide

How much SIP for ₹1 crore?

The exact monthly number for your timeline.

Guide

Best term insurance plan in India?

How to actually pick the right one.

Guide

What is health insurance?

Sum insured, co-pay, waiting periods — decoded.

Guide

What are mutual funds?

A beginner's guide to SIPs and investing.

Guide

How big should your emergency fund be?

The safety net every plan needs first.

Browse all 36 guides →
Questions

Fair questions, straight answers

Is Lightpost free to use?
Yes. Talking to our advisors and getting guidance is completely free. You only pay the insurer or fund house for the product you choose.
Do you actually give advice, or just sell?
We start with understanding, not selling. Licensed advisors explain your options plainly — including when you don't need a product at all.
Are your advisors licensed?
Yes. You'll speak with IRDAI & AMFI registered advisors. Full licence details are on our Disclosures page.
Is my information safe?
We only use your details to contact you about your query. We never sell your data or spam you.
Which products can you help with?
Health insurance, term and life insurance, and mutual funds / SIPs today.
How is Lightpost different from other insurance websites?
Most sites let a bot recommend from hundreds of policies. We give you a licensed human who explains the fine print, shortlists 2–3 honest options, and stays with you through claims.
How much term insurance cover do I need?
A common starting point is 10–15× your annual income plus loans and goals. Try the free calculator below, then get the exact number reviewed by an advisor.
Can I talk to an advisor on WhatsApp first?
Yes — tap the WhatsApp button anywhere on the site. It's the fastest way to reach us, and it's free.
Do you help with claims?
Yes. Claim-time support and yearly reviews are part of the service — you get a human who picks up the phone.
I already have a policy. Can you review it?
Absolutely. Many people discover their old policy is under-insured or mis-sold. Bring it to a free call and we'll review it honestly.
Are mutual funds risky?
Mutual funds carry market risk — values go up and down. That's exactly why fund choice, time horizon and staying invested matter. An AMFI-registered advisor helps you get it right.
What does 'no spam' actually mean?
One advisor, one conversation about your query. No cold calls, no daily follow-ups, no selling your number. If you ask us to stop, we stop.

Not sure where to start?

That's exactly what the free call is for. Tell us what's on your mind and a licensed advisor will point you the right way — no cost, no spam, no pressure.

💬 WhatsApp

Disclaimer: Lightpost provides general information and connects you with a licensed advisor; it does not itself provide financial, insurance or investment advice. Insurance is the subject matter of solicitation. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance is not indicative of future returns. Calculators and examples are illustrative only.