00+

years of experience

Satisfied Clients

100+ consultations

About Me

Guiding You Through Insurance
with Clarity & Confidence

Empowering you with insights to make informed decisions about your financial security. Whether it’s protecting your health, family’s future, or securing peace of mind - smart insurance decisions today shape a confident tomorrow.

logo

Expert Guidance

20+ years of expertise will help you get a deep understanding of what insurance is and how to approach it. This offers clarity and practical answers to your questions and challenges.

logo

Trust & Transparency

With a strong hold on honesty and straightforward advice, you are going to get the right information with no sales tactics. Here, you can definitely safeguard your future.

Services We Provide

Get expert guidance from the best Insurance
Consultant for a fresh perspective on Insurance

BLog Thumbnail

Expert Consultation

BLog Thumbnail

Claim Support

BLog Thumbnail

Existing Plan Review

Types Of Insurance

Understanding Different Types of Insurance

Your Trusted Insurance Advisor

What to Expect from Me?

End-to-End Client Support

As your Client Relationship Architect, I will be with you at every step, from policy selection to claim settlement and everything in between. I make sure that you, as an NRI in the GCC, are getting the coverage you truly need.

Personalised Solutions and Transparency

Tired of the jargon and hidden clauses? Now it’s time to get clear and customised guidance. Take time to understand your unique insurance needs, and I will provide you with straight-to-the-point insights.

Expert Negotiation and Problem-Solving

With over 20 years of experience in this industry, as a life insurance specialist, let me guide you through all the complexities and let’s get the best possible coverage for you. From claims resolution to policy structuring, my focus is on your best interest and to make sure you are getting the protection you deserve.

Secure Your Future with Confidence

During my insurance journey in India and the UAE, I’ve realized that insurance is not just about policies; it’s about the peace of mind and security that it brings with it. The right coverage can give you financial security, protect your loved ones, and prepare you for life’s uncertainty.

Being an NRI, and through my career journey, I’ve come to understand that comparing insurance options between the GCC and India can be difficult to navigate. That’s why, when I evolved from employment to entrepreneurship as a insurance specialist, I truly wanted to show the whole concept of insurance in a new light.

If you're an NRI, I help you find clear, trustworthy insurance solutions for yourself, your family, and your parents. Getting insurance with little to no idea is just like navigating a ship by judging the tip of an iceberg. Understanding your insurance and what your needs are is important, and I address all of your concerns. Clearing up complexity and understanding your options is the second step you’ll take with me. Get the right guidance with honest, transparent advice, so you can feel confident in every insurance decision.

Let’s simplify insurance and bring clarity, so you can plan your future with confidence.

logo
Insurance Benefits

Values that go
beyond the policies

Making your life more secure. Resonate the power of insurance and policy, the security that assures your future’s safety.

Financial Security

Insurance will give assurance in financial backups for uncertainties like illness, accidents, risk of liabilities, etc.

Risk Management

Maintaining uncertainties and helping in recovering profits.

Wealth Protection & Growth

Improves wealth protection and enhances growth.

Peace of Mind

Helps you focus on your personal life and make it more effective with no risks.

FAQ

Yes. Even if you have employer-provided insurance in the GCC, it’s wise to have separate life and health insurance from India. It ensures:

  •   Coverage continuity if you change jobs or return to India
  •   Protection during India visits
  •   Affordable premiums and long-term benefits
  •   Security for family members living in India

Yes. Policies issued to NRIs continue even after status changes. You just need to update your residency status and address with the insurer for records.

Yes, claims are payable globally, as long as the policy is active, and disclosures were made honestly. Death certificates and embassy-attested documents may be required.

Yes, and this is very common. You can secure life, or health insurance policies for your parents, spouse, or children in India while paying premiums from abroad.

Generally Indian health plans cover treatment within India. If you travel frequently to India or plan to return, these plans can be useful. For GCC-based medical cover, a separate local or international policy is needed.

That’s a very common question. Most health covers abroad are tied to your employer or residency visa. The moment you change jobs, retire, or your visa expires, that protection often ends — sometimes without notice.
Starting a health insurance policy in India while you’re still young and healthy avoids future rejections due to age or pre-existing conditions. It’s like setting up a safety net for your family back home and for yourself when you eventually return.

Your term plan doesn’t stop working when you move countries. As long as you keep paying premiums, you’re covered — whether you’re in Dubai, London, or India.
Some insurers may require a simple update on your new address or residency status, but it’s usually hassle-free. A good advisor (like us ) will handle this transition smoothly for you.

The earlier, the better. Starting at 30 gives your money time to grow and multiply through compounding.
Here’s an example:
Start at 30: ₹50,000/year grows to ₹76 lakhs by 60 (at 10% returns).
Start at 40: Same ₹50,000/year grows to only ₹28 lakhs.
That’s the magic of time. Starting early also helps you lock in tax benefits and create a steady income flow for later years.

This is a very common thought. But here’s the reality:
The older you get, the higher the premiums become — often doubling every 5–10 years.
Any new health issues (like diabetes, hypertension, etc) can lead to loading, exclusions, or even rejection.
In term insurance, waiting means your family might be left unprotected during those critical years.
Early planning locks in lower premiums for life and ensures your cover stays uninterrupted, even if your health changes later.

Health insurance pays for hospital bills during illness or accidents.
Critical illness cover gives a lump sum if you’re diagnosed with serious illnesses like cancer, stroke, or heart disease.
Think of it this way: health insurance handles hospital expenses, while critical illness cover helps with non-medical costs (like recovery time, income loss, or paying off loans). Having both gives you complete peace of mind.

logo
Clients Testimonial

Stories of Trust and Satisfaction!

Insurance consulting simplifies the complexities of policies, making sure the right coverage is selected based on individual needs and circumstances.

Google ★ 5.0

"I got a good service form Mr Jayesh Surendran, I highly recommend him to anyone looking for a health insurance. Thank you Mr Jayesh Surendran🙏"

S

Sethukumar

Chef

Al Qubaisi
Dubai, UAE

4 days ago
Google ★ 5.0

"As his daughter, I have had the privilege of witnessing my dad’s incredible journey up close. I have seen the endless hours of hard work, dedication, and passion he has put into his work over the years. He is someone you can rely on, no matter what – both in life and in business. The way he treats his work as a part of his life, with such sincerity and determination, is truly inspiring to me. I constantly aspire to match his level of commitment and integrity. I know firsthand that he goes above and beyond for every client, and that is what makes him truly exceptional."

G

Gayatri Surendran Jayesh

Legal Associate
Kerala, India

India

2 weeks ago
Google ★ 5.0

"I’ve known Jayesh through his passion for photography here in the UAE. Recently, when I started interacting with him to explore the best insurance options for our family, I discovered his true dedication and deep knowledge in that field as well. His professionalism, clarity, and commitment to providing the best possible service truly stand out. I highly recommend Jayesh to anyone looking for expert advice and top-notch service in the insurance industry."

S

Shaji Shanmughan

Brand Consultant

𝗶𝗯𝗿𝗮𝗻𝗱𝗰𝗼𝗻𝗻𝗲𝗰𝘁 𝗟𝗟𝗖
Dubai, UAE.

2 weeks ago
Google ★ 5.0

"Jayesh Surendran and I have worked in similar roles, though on different sides of client servicing—he as a Broker Service Manager and I as an independent insurance consultant. Despite the difference in roles, we’ve shared a common goal: to deliver the best possible solutions for our clients. I’ve known Jayesh to be consistently honest, sincere, and guided by strong ethical values. His commitment to putting clients first and ensuring they receive secure, well-suited financial solutions has always stood out. As he steps into an exciting new chapter in his career, I wish him every success and have no doubt he will continue to make a meaningful impact in the lives he touches."

M

Mathew Kurian

Senior Consultant

NEXUS Insurance Broker
Dubai, UAE

2 weeks ago
Google ★ 5.0

"As an NRI with elderly parents living in India, I was always concerned and often confused about how to manage their healthcare and insurance needs. That’s when I connected with Jayesh, who provided exceptional guidance and helped me choose the right insurance options tailored to my situation. He patiently explained the benefits and limitations of each plan and recommended the most suitable and affordable coverage for my parents. What stood out most was his after-sales support—always available, responsive, and ready to assist, making the entire process smooth and stress-free. If you’re looking for a trustworthy and knowledgeable insurance consultant, Jayesh is the one to count on. As the tagline says: Zip, Insure, and Nap easy! Thank you, Jayesh!"

S

Sooraj Gopinath

Operation Director

Merit Conformity Services
Dubai, UAE.

2 weeks ago
Google ★ 5.0

"A huge thank you to Jayesh for his help last week. My family, who are retired NRIs, needed to understand their health insurance options, and Jayesh made a complex topic so clear. We were all incredibly happy with his explanations and his wonderfully positive approach. Personally, I'm so grateful for his help and expertise."

R

REJULA Arun

French Language Coach

Dubai, UAE.

3 weeks ago
Google ★ 5.0

"Jayesh’s in depth understanding and vast experience in the field is amply evident in the ease with which he guided me and explained every aspects that enabled me to take a well informed decision with far reaching foresight. Experiences of others and the current developments in society coupled with cost of medical care, its exponential impacts are the reasons that makes it mandatory requirement. So take it early and whoever go for it, Jayesh is the right person to support and assist you!"

S

Subash Sreenivasan Narayanan

Manager

Emirates
Dubai, UAE

3 weeks ago
Google ★ 5.0

"I recently took health insurance. Everything was explained clearly and with patience. Whether you need health, life, or general insurance, they make the process easy to understand and show genuine care. I felt supported throughout."

S

Shyni Rajesh

Wellness Counsellor

Ernakulam, Kerala

3 weeks ago
Google ★ 5.0

"Jayesh didn’t just offer insurance — he offered peace of mind. At every step, his guidance was honest, patient, and thoughtful. It’s rare to find someone who genuinely cares about your well-being, not just your policy. I’m grateful for his support and would wholeheartedly recommend him to anyone seeking more than just a transaction."

H

Harish P Kunju

Project Manager

Ahmed Hamad Al-Shutaili Est.
Riyadh, Saudi Arabia

3 weeks ago
Google ★ 5.0

"Very good guidance and service. I would recommend to consult Mr. Jayesh and discuss about the insurance policies which is suitable for your needs to secure your future ahead."

N

Nikhil Gopal

IT MANAGER

International School of Choueifat
Dubai, UAE

3 weeks ago
Google ★ 5.0

"Very essential and important to have clarity and awareness of what is covered and what is excluded in your insurance policy. Great going Jayesh... your extensive knowledge and experience in the domain will indeed help a lot of customers who are looking to get themselves and their families protected against unexpected risk to health and life. All the best and wishing you great success in your mission."

A

Ajit Thachathodiyil

Vice President - Bancassurance

Niva Bupa
Bengaluru, Karnataka, India

3 weeks ago
Google ★ 5.0

"I am lucky I found Jayesh as Financial advisor to aid my policies. Well versed with customer wants and timely follow ups made it happen. I feel secure now."

N

Nishtha Talreja

Senior Customer service

IFGL, Dubai, United Arab Emirates

3 weeks ago
Google ★ 5.0

"It fills me with pride and joy to see Mr. Jayesh embark on his new journey. He has always been my pillar of support, a true well-wisher, and someone I can turn to without hesitation. His energy, passion, and focus are unmatched. Whatever he takes, he pours his heart and soul into it. And this venture will be no different. I have seen firsthand how deeply he cares about helping others and always going the extra mile to offer genuine advice and guidance. I have no doubt that every client he works with will feel not just secure but truly cared for. Wishing him every success. He truly deserves it!"

V

Varsha V Pillai

Supply Chain Professional

Dubai,United Arab Emirates

3 weeks ago
Google ★ 5.0

"I strongly endorse Jayesh Surendran as a dependable and knowledgeable insurance advisor for any NRIs needing solutions in India. His expertise on the Indian insurance market and cross-border pitfalls is exceptional. I have found him to provide honest and tailored advice for life, health, or wealth protection, as well as pursue considerations surrounding your goals and individual circumstances. Jayesh analyses problems and simplifies complex decisions while ensuring compliance with Indian and foreign policies, and then carries this through with ongoing advice and support. I appreciate his integrity, commitment, and genuine caring nature that, to this point, has left a lasting impression on me."

V

Viren Bhatia

Director

K Raheja Corp Advisory Services, DIFC

3 weeks ago
Google ★ 5.0

"Jayesh is a thorough professional who consistently delivers expert guidance and customized insurance solutions based on the customer needs."

S

Sreekumar S

Assistant Vice President

Amrita TV
Dubai, United Arab Emirates

3 weeks ago
Google ★ 5.0

"I have had the pleasure of meeting Jayesh since 2013, when we worked together in the insurance industry. He is the embodiment of professionalism. He is knowledgeable, principled, and always willing to guide and support those around him. I have personally benefited from his deep expertise in insurance, particularly in understanding distribution strategies and the third-party distribution landscape, where I had a front-row seat to his exceptional leadership. Jayesh is someone you can trust completely, and I wholeheartedly vouch for his business acumen, ethical approach, and commitment to excellence."

J

Jason Joseph

Head- Enterprise Sales

Larsen & Toubro - L&T EduTech

3 weeks ago
Google ★ 5.0

"As a client, what truly impressed me about Jayesh is his sincerity and clarity. He made the whole insurance process feel simple, free of stress, and transparent. It was a stress-free experience, since he is well-informed and supportive. It is, in fact, comforting to have someone so trustworthy and knowledgeable as Jayesh to guide me. I’m happy to recommend Jayesh."

S

Siju Ravi

Division Manager,Print Media Division

Jashanmal National Company
Dubai - United Arab Emirates

3 weeks ago
Google ★ 5.0

"Insurance can be confusing, but Jayesh makes it simple and understandable. They are incredibly patient, knowledgeable, and always willing to go the extra mile to ensure you feel confident in your choices. I can say with full confidence that they are one of the most dedicated and knowledgeable insurance professionals I’ve ever met and if you’re looking for someone you can trust with your insurance needs, I highly recommend them."

S

Sooraj Babu

Head of Client Onboarding - MENA
Apex Group Ltd.

Dubai, United Arab Emirates

3 weeks ago
Google ★ 5.0

"Mr. Jayesh Surendran was very patient in listening to all our concerns and clearly explained everything. He was always available whenever we had questions, no matter the time. Thanks to his guidance, we were able to choose the right policies for our needs."

D

Dr. A. S. Nath

Nephrologist and Transplant Physician,

Palakkad

3 weeks ago
Google ★ 5.0

"I’ve had the opportunity of working with Jayesh for my medical insurance needs, and I must say, his expertise is truly exceptional. With over 12 years of experience in the insurance industry in the GCC, particularly in Dubai, Jayesh brings a deep understanding of the needs and concerns of NRIs. He made the entire process of selecting the right medical insurance simple and seamless for me. His knowledge, professionalism, and personalized approach gave me complete confidence. I highly recommend Jayesh to any NRI looking for reliable and expert guidance in medical insurance."

S

Subha Gopakumar

Managing Director,

InRisk Cost Control & Risk Management Services,
Dubai - United Arab Emirates

3 weeks ago
Google ★ 5.0

"One thing that always stood out about Jayesh was the excitement in his voice whenever he talked about insurance - not selling, but genuinely guiding people right. Back in our UAE days, we often spoke about how the industry needed more honesty and less misrepresentation. It’s truly satisfying to see him now doing exactly that, with clarity and conviction."

A

Asok Kumar T. D

Administrative Manager,
Omega Insurance Broker,

Dubai - United Arab Emirates

3 weeks ago
Google ★ 5.0

"Mr. Jayesh has been a mentor to me for the last 20 years. I know him both personally and professionally. He has mastered the insurance industry through hard work and experience, both in India and abroad.I’m happy to see him start his own venture and touch more lives by guiding people to choose the right products they truly need."

H

Huwaiz C.U

Territory Head,

HDFC Life, India

3 weeks ago
Google ★ 5.0

"Jayesh and I started our journey together nearly a decade ago at Takaful Emarat in 2014. He was heading the Broking vertical across the UAE, while I managed Operations, including New Business, Underwriting, Policy Servicing & Claims. From the start, I understood him as a person of strong character, deep knowledge, and steadfast integrity. He always put the customer first, ensuring they received the right solutions and genuine care. Whether with clients, management, employees, or his own team, he stood out as a truly people-centric leader."

D

Dr. Farrukh Khan

Head of Operations,
Takaful Emarat P.S.C,

Dubai - United Arab Emirates

3 weeks ago
Google ★ 5.0

"It was the first time I was taking out an insurance policy for my mother. Of course, I had my confusions. Luckily, I met Jayesh, and he was not like any other insurance professional I met. He was helping me with explaining different policies, it’s benefits, etc.. He was there with us in each stage of the process and frequently did follow-ups as there was medical involvement, for completing the process. I am really happy and completely satisfied with his service. Highly recommend him."

S

Sajan Peter

Cluster Training Manager,

H World International, Muscat

3 weeks ago
Google ★ 5.0

"I have seen Jayesh bring genuine care and deep expertise to every client interaction. His knowledge of the insurance landscape and commitment to finding the right solutions make him someone I trust and confidently recommend."

F

Firoz Sait

Director - Strategic Accounts,

GEDU Global Education India

3 weeks ago
Google ★ 5.0

"Writing a testimonial for Jayesh would not fit into just two lines, and I think that itself says a lot! He is my colleague and friend, so I have witnessed his sincerity, vast knowledge, and genuine desire to assist people in making informed decisions. His conversations are very sincere, and that makes all the difference."

V

Vivek Bhalla

Co-Founder INTELPEEK - Digital Transformation,

RDubai - United Arab Emirates

3 weeks ago
Google ★ 5.0

"The clarity and depth of knowledge about insurance truly stood out. His presentation was thoughtful, engaging, and easy to understand. The whole experience was professional, thorough, and pressure-free. I’m genuinely pleased with the guidance and support provided. Highly commendable work by Jayesh."

G

Gopakunar Nanu

Manager,

RAKNOR - United Arab Emirates

3 weeks ago
Google ★ 5.0

"What I really appreciated was the timely follow-up and the way Jayesh stayed involved even after the policy was done. It wasn’t just a transaction; the after-sales support has been genuinely helpful. Overall, a smooth and reassuring experience."

T

Thirumalai Ganesh Sheerapathi

Electrical Engineer Teacher,

ADVETI,Abu Dhabi,
United Arab Emirates

3 weeks ago
Google ★ 5.0

"Jayesh needs no introduction, but as a happy client, I want to share my experience. What truly stood out was the professionalism, clarity, and the time he took to understand our needs as NRIs. He patiently explained the pros and cons of each policy and its add-ons, helping us make informed choices. We ended up with customised quotes for both me and my parents, even better than what I found online. I’d confidently recommend him to family and friends."

K

Kevin Paul

Manager
Environment Advisory

WSP in the Middle East

3 weeks ago
Google ★ 5.0

"I had the opportunity to work closely with Jayesh during our corporate roles in India - when I was leading Allegro and he was supporting my distribution team as a service provider. What consistently stood out was his deep industry knowledge, integrity, and strong customer-centric approach. His move into client-focused advisory is a natural extension of his commitment to delivering value and doing what's right. I highly recommend Jayesh Surendran, both professionally and personally."

B

Binoy Thomas

CEO - UKCBC

London/Dubai

3 weeks ago
The Right Coverage Starts with a Conversation!
GET IN TOUCH
Latest Blog

From Confusion to Clarity
Your Go-To Guide for Insurance


View All Blogs
BLog Thumbnail 05 Aug

Health Insurance for Indian Expats in Dubai

A complete guide to health insurance for Indian expats in Dubai

BLog Thumbnail 28 Jul

How to Get Health Insurance for an NRI Family Living in the UAE

NRIs in the UAE can buy health insurance for family in India—simple, secure, and fully online.

BLog Thumbnail 19 Jul

How to Buy Indian Health Insurance Plan as an NRI

You’re Away—but Your Responsibilities Aren’t

Call India