A Direct Plan is an investment or protection policy purchased directly from the providing fund house, medical cooperative, or asset holding agency, bypassing brokers, insurance sales representatives, or financial advisors. Direct Plan Guard shields your assets by offering pre-negotiated, highly compliant coverage options with lower structural overhead.

Standard brokers and insurance sales networks take a commission out of your monthly premiums—ranging from 5% to 20% depending on the coverage. Because we buy and structure plans directly without intermediary agents, we eliminate commissions entirely. The savings are returned directly to you in the form of lower premiums and increased coverage limits.

Yes. All direct wealth options offered are SEC and SEBI compliant, linking directly to AMC portfolios. Likewise, our direct health guards align with state insurance board regulations and IRDA specifications. All coverages feature transparent policy documents and strict regulatory audits.

Claims can be submitted online 24/7 through your secure digital member dashboard. Because there are no broker approvals needed, claims are processed directly by our claims underwriters. Over 99% of pre-approved claims are approved and dispatched within 24 hours of digital verification.

Absolutely. You can select single tiers (e.g. Health Guard) or request a multi-guard bundle combining health, wealth index shielding, and asset coverages under a unified, discounted direct invoice. Contact one of our onboarding specialists for customized configurations.

No. One of our foundational principles is absolute fee transparency. We make all platform operational costs visible inside your quote layout. There are no surprise sign-up, digital management, or early policy cancellation charges.