Insurance decisions deserve honest answers

Every year, millions of Indians buy insurance policies based on incomplete information. Not because they don't care—but because nearly every source of insurance information has something to sell.
ILM Research exists to change that. We're India's first 100% independent insurance research platform—built to give you conflict-free analysis, so you can make decisions you won't regret.

What is ILM Research?

ILM Research (Insurance Literacy Movement Research) is an independent insurance research platform with zero commercial ties to insurers or intermediaries.

We don't sell policies. We don't earn commissions. We don't accept advertising from insurance companies.

What we do:

Analyze policy wordings, benefits, exclusions, and claims behavior across insurers
Turn complex fine print into clear, usable insights
Build comparison tools backed by verified data—not marketing claims
Help you understand what insurance actually covers, and what it doesn't

Our only loyalty is to accuracy, transparency, and the consumer.

The problem we're solving

Here's the truth about insurance information in India: nearly every source has a conflict of interest.

Insurer websites promote their own products
Aggregators earn commissions on sales
YouTube "experts" often have affiliate deals
Comparison sites prioritize partners who pay more

The result? Customers make decisions based on biased, incomplete, or misleading information. They discover the gaps only when filing claims—when it's too late.

Insurance mistakes don't happen at claim time. They happen at buying time.

No Sales. No Commissions. No Bias.

Independence at ILM Research isn't a claim. It's how we're built.

Zero commissions or sponsored coverage

We don't earn money when you buy a policy—from anyone.

All insights backed by verified documents and verifiable data

Every rating, comparison, and recommendation is traceable to source documents.

Built by the team behind Beshak.org

The same team that built India's most trusted insurance education platform.

Our only loyalty is to accuracy, transparency, and the consumer.

From Beshak Research to ILM Research

We started as Beshak Research in 2020—India's first independent insurance research initiative. Our mission was simple: bring 100% conflict-free research and tools to Indian consumers.

As we grew, we expanded into helping customers connect with vetted insurance advisors through a community marketplace. But we realized something important: research and marketplace are two very different promises.

To maintain the highest standards of independence in our research work, we created ILM Research as a separate, focused brand.

Today:

ILM Research delivers independent research, analysis, and information
Beshak operates the advisor marketplace

This separation ensures our research remains completely free from commercial influence—even from our own business operations.

Insurance deserves better information

For too long, insurance information in India has been shaped by those who profit from selling it—not by those who need to buy it.

No commissions. No sponsored coverage. No marketed rankings.

Just clear, verified, conflict-free research—so you can make decisions with confidence, not confusion.