Lightpostclear money guidance
IRDAI & AMFI registered100% freeZero spam

Money advice,
minus the jargon.

Health cover, term life & mutual funds — explained by licensed advisors who help you decide. No pressure, no spam, completely free.

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★★★★★Trusted by families across India
Posty, the Lightpost panda mascot

Hi, I'm Posty 👋

Your Lightpost buddy. I'll help you get honest money advice — free.

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.

🛡️

Term Life

₹1 crore+ for your family if something happens to you. Right cover, right premium.

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🏥

Health

Cover your family's hospital bills without overpaying. We decode the fine print.

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📈

Mutual Funds

Grow your money toward your goals with SIPs done right. Market risks apply.

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How it works

The Lightpost way

01 · GUIDANCE

Talk to an expert

IRDAI & AMFI certified advisors, not pushy salesmen. Guaranteed no-spam.

30-min callZero cost
02 · DECIDE

Compare & choose

2–3 honest options tailored to you, with help filling the application correctly.

Clear optionsNo mis-selling
03 · SUPPORT

Lifetime support

Help at claim time and portfolio reviews for your investments — whenever 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

After you buy

Renewals & claims

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

How much life cover do you need?

A quick estimate in seconds — then get it reviewed free.

Suggested cover
₹ —

Illustrative estimate using a common income-multiple method. Your ideal cover depends on your goals, savings and family — an advisor gives you a precise figure, free.

Why the right number matters

Too little cover leaves your family short at the worst time. Too much means you overpay every year for cover you don't need.

A licensed advisor sizes it precisely and finds the right premium. That's what the free call is for.

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

🏥 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
Posty the Lightpost panda mascot
Meet your buddy

Posty makes money less scary

Insurance and investing are full of jargon designed to confuse you. Posty — and the licensed advisors behind Lightpost — turn all of it into plain, honest language, so you decide with confidence. No pushy sales, ever.

Read the guides
Learn

Money, explained simply

Guide

What is term insurance?

The cheapest way to protect your family.

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.

Browse all 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.

Not sure where to start?

That's exactly what the free call is for. Tell us what's on your mind and we'll point you the right way.

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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.