Terms of Use

PolicyBench is a family practice of licensed insurance agents and an AMFI-registered mutual fund distributor in Jaipur. We explain insurance, review the policies you already have, help you choose cover, and help with renewals, claims and mutual fund investments.

We are not an insurance company. We do not issue policies, decide premiums, underwrite proposals or settle claims. Those decisions are made by the insurer under the policy terms. In the same way, mutual fund schemes are managed by fund houses, not by us.

Our insurance advisors are agents of the insurers that have appointed them. For plans from other insurers, we can still explain your options honestly, and you buy directly from that insurer.

Content on this website is general information to help you understand insurance and investing. It is not an offer, a promise of cover or a recommendation for your specific situation. Premiums, features, benefits and examples are indicative and can change. The policy wording, prospectus, sales brochure and scheme documents from the insurer or fund house are what count, so please read them before you buy or invest.

The policy check, cover calculators, renewal check and SIP calculator give estimates based on the answers you enter and on general assumptions. They are a starting point for a conversation, not a final recommendation, and they do not guarantee any premium, cover amount, claim outcome or investment return.

• Give accurate and complete information. In insurance this matters most for health, habits and past claims: not disclosing something on a proposal form can lead an insurer to reject a claim or cancel a policy.
• Only share your own details, or details of family members or others you are authorised to share.
• Only upload documents you have the right to share.
• Do not misuse the website, for example by submitting false enquiries, sending spam, trying to access the admin area, or interfering with how the site works.

When you submit a form, you allow PolicyBench to contact you by call, SMS, email or WhatsApp about your enquiry, even if your number is on DND/NDNC. You can ask us to stop at any time. See our Privacy Policy for how we handle your data.

Our consultation and policy review are free. When you buy a policy through us, the insurer pays us a commission at rates set under IRDAI rules. When you invest in a mutual fund through us, the fund house pays us a commission. You do not pay us any extra fee.

The text, design, tools and graphics on this website belong to PolicyBench. You may read and share them for personal use, but please do not copy or republish them without permission. Insurer and fund house names and logos are trademarks of their owners and are shown only to identify the plans we can explain. Showing them does not mean those companies endorse PolicyBench.

Some pages link to insurers, regulators and other websites. We are not responsible for their content or privacy practices.

We take care to keep the website accurate and available, but we cannot promise it will always be error-free or uninterrupted. To the extent the law allows, PolicyBench is not liable for any loss arising from relying only on general information or tool results on this website, without reading the policy or scheme documents and speaking to us about your situation.

These terms are governed by the laws of India. Courts in Jaipur, Rajasthan have jurisdiction over any dispute about them.

We may update these terms from time to time. The latest version will always be on this page with its date.

• Call or WhatsApp +91 77409 75294 (Mon to Sat, 10 AM to 7 PM).