How does Kartick Jena charge for insurance advice?

The first consultation is completely free. For ongoing advisory, Kartick works on a transparent fee basis that does not depend on which insurer or product you choose. This eliminates commission bias entirely.

Is Kartick Jena available for consultations outside India?

Yes. Kartick advises clients across India and NRIs with Indian insurance policies via video call. All consultations are available online.

What happens in the first consultation?

The first call is a 30-minute conversation about your current cover, your situation, and what you are trying to achieve. Kartick reviews what you have, identifies the most important gaps, and recommends next steps. No products are pushed on the first call.

Work With Me

One Advisor.
No Commissions.
Your Interests First.

I am Kartick Jena. I have been advising individuals and businesses on insurance for 8 years with zero commission from any insurer. My only income alignment is with you, not with what I sell you.

Book Your Free First Call

4000+

Track Record

Clients Consulted

Across health, life and corporate cover

8+ Yrs

Experience

Years of Advisory

Hands-on, not theoretical

99.8%

Outcome

Claim Solvency Rate

Claims resolved in clients favour

How It Works

Simple. Transparent. No Surprises.

Working with me is straightforward. There is no onboarding form, no sales funnel, and no follow-up call to push a product. Here is how most client relationships start.

Book a free call

A 30-minute conversation. Tell me what you have, what you need, and what is worrying you. I listen before I recommend anything.

I review and advise

I read your existing policies, identify gaps, compare options where needed, and give you a clear view of what you actually have versus what you need.

You decide

No pressure. No follow-up push. You take the information and make the decision that is right for you. I am available if you need implementation support or have more questions.

My Approach