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Ratings 
CONFLICT-FREE RATING BASED ON STUFF THAT MATTERS TO YOU 
What is ILM ⭐️ Rating?
India's insurance market is full of opinions shaped by commissions and commercial interests. The ILM Rating is different - built by an independent research team with no policies to sell, no leads to generate, and no agenda but accuracy.
- 01
Claims
Look beyond claims settlement ratio. We find out - How fast do insurers settle claims, how many complaints do they get, how complicated is their claims process to get a hang of the insurer’s overall experience on claims. - 02
Service Experience
Our secret sauce. Our proprietary research rigorously tests the service infrastructure of insurance companies to assess their quality and speed of service. - 03
Product Benefits
The right customizations can ensure your family a simple, smooth claim settlement. We sift through the noise and grade the most important customization parameters. - 04
Insurer's Legacy
An insurer's institutional strength matters as much as their current offerings. We assess long-term reliability, regulatory track record, and their ability to honour commitments over time.
How do we calculate our Ratings?
Our methodology is built on structured, multi-layered analysis.
Data Collection
We aggregate and analyse data across more than 100+ parameters that a customer could use to evaluate an insurer.
Relative Scoring
The value of each parameter is compared across insurers and converted into a relative score.
Total Weighted Average
Scores are combined using pre-defined internal weightages across all 100+ parameters.The result is each product's final ILM Rating.
What makes us qualified to rate, compare plans?
We are a community of industry-recognized insurance professionals who have been in the business of comparing insurance for decades together. It is something that we love doing day in and day out.
Our ratings are fact-based, reviewed by multiple analysts before publication, and grounded in a transparent, documented methodology. We don't ask you to take our word for it - dig into our work, and you'll know for sure.
Our ratings are fact-based, reviewed by multiple analysts before publication, and grounded in a transparent, documented methodology. We don't ask you to take our word for it - dig into our work, and you'll know for sure.
Where do we get our data from?
Every rating is grounded in primary, verifiable sources. We never rely on third-party aggregators or marketing material. Our research team combs through hundreds of official documents - and goes further with in-house testing.
IRDAI Records
Published reports, journals, manuals, etc.
Insurance Websites
Official plan pages, policy wordings, brochures, and product prospectuses.
Inhouse Audits
Inhouse rigorous tests on the service infrastructure like toll-free and Social media of Insurance platforms.