- IRDAI-licensed Insurance Advisor · POSP
Joseph Kulkarni
Honest term & health advice for young families in Indore.
Registry checkedPOSP-699573 · Checked 8 Jun 2026
- POSP
- POSP-699573
- Practice since
- 2004
- Clients
- 66
- Record
- No flags
Checked 8 Jun 2026
Independent
Self-reported
Registry record
Before you reach out
Is Joseph the right person for you?
- Who it’s for
- Young families · First-time term buyers · Senior citizens
- How they’re paid
- Commission paid by the insurer within IRDAI limits; your premium is unchanged.
Services
What Joseph helps with
- Term life
- Motor
- Personal accident
Clients
What clients say about working with Joseph
“Told us we were over-insured and to cut a policy.”
In Joseph’s own words
Joseph, unedited
With 25 years in the field, Joseph works with a focused set of clients in Indore and is known for a patient, no-pressure style.
Joseph KulkarniSupplied by the professional
On the record
Record and credentials
- Platform checked
- POSP-699573 · Registration checked · No flags found in the recorded check · Last checked 8 Jun 2026
- Own account
- Kannada, Malayalam, Telugu, Gujarati · WhatsApp or video call · Indore & nearby
- Qualifications
- Associate (III) · Licentiate (III) (supplied by the professional)
- Memberships
- IRDAI certified
Professional experience
Self
2004 – presentIndependent Insurance Advisor (POSP)
HDFC Life
2001 – 2004Agency Manager
LIC of India
1999 – 2001Development Officer
Ready to talk to Joseph?
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