Horizon Title Group

What Horizon Title Group does

Horizon Title Group, as represented in the aggregated data, operates in substance as LIC Insurance World — a Delhi-based, licensed insurance advisory agency and channel partner for Life Insurance Corporation of India (LIC). Founded in 2020, the firm sells and services a comprehensive catalog of LIC products spanning endowment plans (New Endowment Plan 914, Jeevan Labh 936, Jeevan Lakshya 933, Single-Premium Endowment 917), whole life (New Jeevan Anand 915), child-focused money-back plans (New Children Money Back Plan 932), term insurance (Jeevan Amar 855), health products (Jeevan Arogya 904, Cancer Cover 905), pension/annuity (Jeevan Shanti 850), and a women-only endowment plan (Aadhaar Shila 944). The agency's underlying technology is limited to a cloud-based online document storage system for policy management plus a digital claims assistance workflow grounded in advisor expertise of IRDAI regulations; no proprietary AI, machine learning, or advanced automation is evident.

The business model is commission-based: revenue is generated as a percentage of LIC policy premiums sold through the agency, supplemented by paid financial planning, policy review, and claims assistance services. The firm does not set its own pricing, which is determined by LIC based on plan, coverage, age, and term. Go-to-market is a hybrid of direct licensed-agent field sales, free consultation offers, website-driven quote requests, phone/email/WhatsApp support, an educational blog authored by principal advisor Ramsharan Kumar, social media presence across Facebook/Twitter/Instagram, an email newsletter, and a Refer-a-Friend program. Customer segmentation is horizontal, targeting individual/family insurance buyers as the primary segment, with secondary segments in young professionals/couples (25–40) and SME business owners. All named customers are individual retail buyers across Delhi, Patna, Jalandhar, Gurgaon, and Faridabad, with no enterprise or institutional accounts. The firm is privately held with no disclosed funding, no headcount disclosure beyond an 11–50 band, and operates from a single office at BF-46, Madangir, Delhi 110 062. (Note: the firmographic record labels the company "Horizon Title Group" with a Port Townsend, US address and title-insurance description, but all substantive content describes LIC Insurance World, a Delhi-based Indian life insurance advisory; this analysis is grounded in the substantive content.)

Name

Horizon Title Group

Legal name

LIC Insurance World

Website

https://licworld.co.in

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

LIC Insurance World is a Delhi-based licensed insurance advisor and channel partner for Life Insurance Corporation of India (LIC), selling and servicing LIC's full portfolio of life, health, pension, and term products to individual families, young professionals, and SME owners across India via direct agent sales and digital content.

Ownership category

akta.pro rank

Product category

Insurance Advisory Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

akta.pro secondary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Life insurance advisory
• Insurance brokerage services
• Financial planning advisory
• Health insurance products
• Claims assistance services

Headquarters

HQ city

Port Townsend

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Agency Commission: As a licensed insurance advisor/agency for LIC of India, the company earns commissions on insurance policies sold. Revenue is generated through policy premiums collected on behalf of LIC, with the agency receiving a percentage as commission.
2. Consultation Services: Provides free initial consultations to understand customer needs and recommend appropriate insurance coverage. Additional paid services may include policy reviews, claim assistance, and financial planning advice.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Horizon Title Group's supplied source material describes a licensed insurance advisory agency representing Life Insurance Corporation of India (LIC), selling LIC's life insurance, health insurance, pension/annuity, children, and cancer-cover plans to individuals, families, and small businesses in India. The agency delivers personalized advisory, financial planning, claims assistance, and online policy management (cloud-stored documents) alongside its policy placement services.

Product overview

LIC Insurance World is a licensed insurance advisor representing Life Insurance Corporation of India (LIC), offering a comprehensive portfolio of life insurance and health insurance products along with financial advisory services. The product portfolio includes traditional endowment plans (New Endowment Plan, Jeevan Labh Plan, Jeevan Lakshya Plan), children-focused money back plans (New Children Money Back Plan), whole life plans (New Jeevan Anand Plan), single premium savings plans (Single-Premium Endowment Plan, Jeevan Shanti Plan), pure protection term plans (Jeevan Amar Plan), and specialized health insurance products (Jeevan Arogya Plan, Cancer Cover Plan). Additionally, the company provides financial planning advisory services, claims assistance, and online policy management through cloud storage. The company positions itself as a one-stop solution for insurance needs, combining product sales with premium customer service and technology-enabled document management.

Differentiator

Problem solved

Functional benefit

Products and services

• New Endowment Plan (914) A regular premium, non-linked with profit endowment plan providing life coverage with savings features and guaranteed returns plus bonuses. Targeted at individuals and families seeking combined protection and savings.
• New Children Money Back Plan (932) A non-linked with profit, regular premium payment money-back plan designed for children's financial security, providing periodic payouts during the policy term.
• New Jeevan Anand Plan (915) A participating, non-linked endowment cum whole life plan offering a combination of protection and savings, with a Double Death Benefit feature for added family protection.
• Jeevan Lakshya Plan (933) A limited premium paying term conventional with profit endowment assurance plan with Annual Income Benefit, primarily positioned for family protection and children's needs.
• Single-Premium Endowment Plan (917) A single premium, non-linked with profit endowment plan offering guaranteed returns and a loan facility after one year, targeted at customers who want one-time premium payment.
• Jeevan Labh Plan (936) A limited premium paying, non-linked with profit endowment assurance plan offering savings and protection with profit-sharing bonuses over a defined term.
• Jeevan Arogya Plan (904) A non-linked health plan providing fixed benefits for hospitalization and surgical procedures irrespective of actual costs incurred, covering the whole family under one policy.
• Cancer Cover Plan (905) A non-linked, regular premium payment health insurance plan providing a fixed benefit upon diagnosis of cancer for the life assured.
• Jeevan Shanti Plan (850) A non-participating, non-linked single premium annuity plan offering options for Immediate Annuity or Deferred Annuity with guaranteed annuity rates for retirement income.
• Jeevan Amar Plan (855) A non-participating, non-linked, pure protection term plan offering flexibility to choose between Level Sum Insured and Increasing Sum Insured death benefit options.
• Aadhaar Shila Plan (944) A non-linked, participating, regular premium endowment plan exclusively designed for women holding Aadhaar cards, offering savings and protection with Loyalty Additions.
• Financial Planning Services Professional financial planning services covering cash flow management, retirement planning, investment planning, financial risk management, insurance planning, and tax planning for individuals and families.
• Claims Assistance Services Claims filing assistance and support including claim revival, surrender policy, policy maturity processing, and documentation management, leveraging knowledge of IRDAI regulations and individual insurer procedures.
• Online Policy Management Cloud-based document storage and online policy management system enabling customers to retrieve and manage their policy documents digitally.

Quantifiable outcome

• LIC's 98.33% Claim Settlement Ratio demonstrates strong claims processing capability

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• LIC of India (Life Insurance Corporation of India)coreChannel Partner/ Reseller/ DistributorAs a licensed insurance advisor/agency, the company operates as an authorized channel partner representing LIC of India. They offer the complete range of LIC insurance products including life insurance, health insurance, pension plans, and specialized coverage. LIC is India's largest life insurer with 75.9% market share and government sovereign guarantee.

Scale indicators2 records

Expansion highlights5 records

Direct peers

• Coverfox Insurance Broking: Online insurance brokerage platform in India that compares and distributes life and health insurance policies from multiple insurers, including LIC. Direct competitor for the same SMB/individual insurance buyer segment.
• PolicyBazaar (PB Fintech): India's largest online insurance aggregator, selling life, health, and general insurance across multiple carriers including LIC. Competes for the same Indian insurance-buyer customers but via a self-serve digital model rather than face-to-face advisory.
• InsuranceDekho (by CarDekho): Indian insurance distributor and aggregator offering life, health, and motor policies online and through assisted channels; competes for the same customer base as LIC Insurance World with a hybrid digital-plus-advisor model.

Emerging players

• Acko General Insurance: India-based digital-first insurer that sells health, motor, and life cover directly online. Emerging player intersecting the same insurance-buyer segment via a different (digital-native) distribution model.
• Digit Insurance: India's fast-growing digital insurance carrier selling life, health, and motor cover online. Targets the same digital-curious Indian insurance buyer, though with limited overlap on traditional endowment products.

Broad incumbents

• SBI Life Insurance: Large Indian life insurer with a bancassurance-led distribution network leveraging SBI's branch footprint. Sells comparable life, pension, and health products to similar individual and family segments.
• HDFC Life Insurance: One of India's largest private life insurance carriers, offering endowment, term, ULIP, pension, and health products through tied agents and banca channels. Broad incumbent in the same life-insurance category the agency distributes for.
• Max Life Insurance: Prominent private Indian life insurer offering term, savings, retirement, and group plans through tied agents and partners; directly comparable product mix and customer profile.
• ICICI Prudential Life Insurance: Major private Indian life insurer with a comprehensive product range (term, endowment, ULIP, pension) distributed via tied agents, banca, and digital. Overlaps with the agency's product categories and target customers.
• Bajaj Allianz Life Insurance: Private Indian life insurer with a broad product suite (term, ULIP, endowment, retirement) sold through agency and banca channels; comparable products and target segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/BInsuredWithLIC
• Facebookfacebook.com/BeInsuredWithLIC
• Instagraminstagram.com/beinsuredwithlic

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Horizon Title Group