Disclaimer
Last updated: January 2026
1. Information Disclaimer
The information provided on this website is for general informational and educational purposes only. It should not be construed as binding legal or financial advice. Insurance products and regulations may vary and change over time. Always consult directly with a certified insurance advisor before finalizing any insurance decision.
2. Policy & Underwriting Disclaimer
Family Shield Insurance is an independent insurance advisory firm. We do not underwrite or issue insurance policies directly. All insurance policies are underwritten and issued by respective insurance companies registered with the Insurance Regulatory and Development Authority of India (IRDAI). Premium amounts, coverage terms, waiting periods, and policy benefits mentioned on this website are indicative and subject to final insurer approval.
3. Premium Estimates & Pricing Terms Disclaimer (*)
Sample rates and premium estimates shown across Health Insurance, Life Insurance, and Calculator pages (denoted by an asterisk *) are indicative sample figures. Actual premiums vary based on age, medical history, sum insured, pre-existing conditions, taxes, riders, and insurance company underwriting guidelines. Family Shield Insurance does not guarantee or lock in sample prices until official proposal issuance by the insurer.
4. Interactive Calculator Disclaimer
Premium and coverage calculators on this website provide mathematical estimates for general planning only. Actual premiums depend on individual underwriting, policy medical checks, and insurer risk assessment. Please contact our Pune advisory desk for binding quotations.
5. Third-Party Links & Insurer Trademarks
This website contains links to third-party insurance portals (such as Star Health Insurance). All brand names, logos, and trademarks belong to their respective corporate owners. Reference to third-party insurance products does not imply exclusive affiliation or endorsement.
6. Regulatory Compliance
Family Shield Insurance operates in full compliance with IRDAI regulations for insurance advisory and distribution. For regulatory inquiries or grievance redressal, you may visit the official IRDAI portal at www.irdai.gov.in.