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Why Insurance Brokers

Why use an Insurance Broker?
An insurance broker acts as your representative not that of the insurance company. Broker’s job is to look after your interests and find the insurance policy best suited to your needs. When you deal directly with an insurer, or through their agent, you are generally only presented with one product and it may not be the best one for you. Brokers are experts in insurance and can arrange the appropiate cover for you from any of the Insurance Companies in India.

What does a broker do?
Broker's job is to look after your interests. We will:

  • Look at your current insurance and make recommendations on any changes or additions if necessary.
  • Identify a range of products suitable for your needs.
  • Contact insurers with appropriate products and get the best deal for you.
When selecting a product for you, we take into account:-
  • The quality and extent of the cover.
  • The reputation of the insurer for paying claims properly.
  • The service standards of the insurer.
  • Whether the premium representsgood value for the cover given.
Which companies does M/S Urjita Insurance Brokers Pvt. Ltd deal with?
We extensively research the insurance market and deal with most major insurers including:-
1) Life Insurance Companies
  1. Aviva Life Insurance Company India Limited
  2. Bharti AXA Life Insurance Company Limited
  3. Birla Sun Life Insurance Company Limited
  4. Future Generali India Life Insurance Company Limited
  5. HDFC Standard Life Insurance Company Limited
  6. ICICI Prudential Life Insurance Company Limited
  7. IDBI Federal Life Insurance Company Limited
  8. Kotak Mahindra Old Mutual Life Insurance Limited
  9. Life Insurance Corporation of India
  10. Reliance Life Insurance Company Limited
  11. SBI Life Insurance Company Limited
2) General Insurance Companies
  1. Apollo Munich Health Insurance Company Limited
  2. BajajAllianz General Insurance Company Limited
  3. BhartiAXA General Insurance Company Limited
  4. CholamandalamMS General Insurance Company Limited
  5. Future GeneraliIndia Insurance Company Limited
  6. HDFC ERGO General Insurance Company Limited
  7. ICICI Lombard General Insurance Company Limited
  8. IFFCO TokioGeneral Insurance Company Limited
  9. L&T General Insurance Company Limited
  10. MaxBupa Health Insurance Company Limited
  11. National Insurance Company Limited
  12. Raheja QBE General Insurance Company Limited
  13. Reliance General Insurance Company Limited
  14. Royal Sundaram Alliance Insurance Company Limited
  15. SBI General Insurance Company Limited
  16. Shriram General Insurance Company Limited
  17. Star Health and Allied Insurance Company Limited
  18. Tata AIG General Insurance Company Limited
  19. The New India Assurance Company Limited
  20. The Oriental Insurance Company Limited
  21. United India Insurance Company Limited
  22. Universal Sompo General Insurance Company Limited
  23. https://www.ecgc.in/portal/
  24. http://www.aicofindia.com/AICEng/Pages/Default.aspx
What will using Urjita Insurance cost me?
Our services to clients are free of charge as we get the brokerage from the insurance company with whom the insurance is placed. Besides placement of insurance policy you may also take the advantage of other services viz. lodging claims, advising on insurance administration, providing safety assistance & advice, at no extra cost.

How the insurance Brokers are different from insurance agents
Insurance brokers are different from insurance agents as insurance agents represent a given insurance company, and where as Brokers represents clients. Insurance agents sell the insurance policy of given insurance company, taking care of the interest of the insurance company (Insurance seller), Where as Brokers provide Insurance cover as per requirements of the clients, which can suit their business needs.

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