NEW Premium Coverage Service for India

Your insurance
funded for life

Contribute a small amount for a few years. Your reserve then pays your premiums for life — even if your income stops.

Calculate my plan How it works
Money stays in your name AMFI-registered No lock-in
Held in your name
Quick estimate
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Annual premium ₹20,000
Years left on policy 31 yrs
Contribute for
You contribute
₹5,422/mo
You save vs. paying directly
₹3.60 L
Reserve builds…then pays every premium
Estimate: annual premium, PMI pays from Day 1, 8% assumed growth. Mutual fund investments are subject to market risks.
Works with the policy you already own
LICHDFC LifeICICI PrudentialSBI LifeTATA AIAAxis Max LifeBajaj LifeKotak Life& more
Names are trademarks of their respective owners. Pay My Insurance is not affiliated with any insurer.
8%
Conservative growth assumed
100%
Held in a folio in your name
0
Lock-in or exit penalty
45 min
Free planning session
Why it matters

Insurance is a 30-year promise
Life rarely is that steady.

Your insurance shouldn't depend on your income

Policies run 20–30 years. Careers and salaries rarely stay steady that long.

Insurance is meant to protect — not to add another worry

The policy that protects your family shouldn't become a monthly worry.

Money that grows beats money that's spent

Premiums paid each year are gone. A reserve built once keeps working for you.

Full calculator

Build your Premium Freedom Plan

Add one or more policies. Your plan updates as you type.

Your policy details
Ready
1 How many policies do you have?
2 Tell us about your policy
3 Your plan
After this period, Pay My Insurance handles all your future premiums automatically.
Your plan
Your plan will appear here
Fill in your policy details and your Premium Freedom Plan will calculate automatically.
How it works

Four simple steps to premium freedom

From your premium today to insurance that's funded for life.

1
Tell us about your insurance policy
Enter your premium, frequency and years left. See your plan instantly — no signup.
2
Start a small monthly contribution
Auto-debit into your own Premium Reserve Fund — in your name, across reputed mutual funds.
3
Your reserve grows over a few years
Over 3–7 years it grows at a planned 8% a year. We monitor and rebalance it monthly.
4
Your reserve pays your premiums — for life
Every premium is paid on time from your reserve until the policy ends — job or no job.
Why trust Pay My Insurance

Built on transparency, not promises

Here's exactly how we protect your money.

Your money stays in your name
Your reserve sits in a mutual fund folio registered to you. Check it anytime on the AMC's app.
Conservative 8% planning
Well below the 12–15% Indian mutual funds have delivered historically. The gap is your safety buffer.
Regulated by SEBI & AMFI
We're an AMFI-registered Mutual Fund Distributor investing only in SEBI-regulated funds.
Exit anytime, no lock-in
Stop contributing or withdraw your full balance whenever you want.
”
From the founder

When I bought life insurance for my family, a quiet worry stayed with me: decades of premiums, and one tough year could let the policy lapse. So I worked out how to fund my premiums once and stop worrying. The math worked — I built Pay My Insurance so it can work for you too.

K
Keshav
Founder, Pay My Insurance
WhatsApp Email
Early members

Be one of our first members

We're just getting started. Talk to us and we'll build your Premium Freedom Plan personally.

K???Your spot is open
Talk to us
Talk to us

Have questions? We're here

WhatsApp, email, or leave your details for a callback within 24 hours.

WhatsApp
+91 88006 11923
Email
keshav@paymyinsurance.in
Get a callback
We'll call you within 24 hours.
We'll only use your details to contact you. Privacy Policy
Thank you! We'll reach out within 24 hours.
FAQ

Your questions, answered

You contribute a small amount monthly for a few years. We build a Premium Reserve Fund in your name across reputed mutual funds, and it pays your insurance premiums for the rest of your policy term.
Into a SEBI-regulated mutual fund folio in your name. We never hold your money, and you can check your balance anytime on the AMC's app.
Mutual fund companies pay us a standard distributor trail commission (about 0.5–1% a year). You pay us nothing extra. We may charge a one-time fee on any surplus above your premium needs — only if you withdraw it, never on your principal.
We don't sell insurance, so IRDAI registration isn't needed. We're an AMFI-registered Mutual Fund Distributor under SEBI's framework.
Insurers price lump sums actuarially — mortality risk, reserves and margins. We simply fund premiums you already owe, planning at a conservative 8% growth. Different problem, different maths.
No — guaranteed returns aren't permitted under SEBI rules. We plan at 8% a year, below the 12–15% Indian mutual funds have historically delivered, so your reserve has a buffer.
We calculate the exact amount for your premiums, rebalance the reserve monthly, and pay your premiums automatically when due.
Yes — any Indian life insurance policy (LIC, HDFC Life, ICICI Pru, SBI Life and more). Health insurance support is coming soon.
Anytime. No lock-in and no exit penalty from us — we'll show you how it affects your coverage first.
Ready to build your plan?

Job or no job, your insurance keeps running

Try the calculator, then book a free 45-min session — no commitment.

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Free · No signup needed · Built by Indians, for Indians
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