With over 50 years of trusted service and expertise, Karthika Insurance (KI) is a leading name in the Indian insurance landscape. Founded in 1971 by the visionary S. Ramakrishnan Nair, KI started as a small yet dedicated team focused on providing life insurance solutions through LIC of India. Over the decades, under the mentorship and leadership of Mr. Nair, KI has evolved into a comprehensive, award-winning agency offering a wide range of insurance services across the nation.
From humble beginnings, KI has grown into a multi-faceted insurance agency that spans generations. S. Ramakrishnan Nair, a pioneer in the insurance field, successfully navigated the company through the liberalization and privatization of the industry, ensuring that KI remained a trusted partner for its clients. His forward-thinking approach brought together a collective of insurance agents working with specific companies, all committed to finding the best solutions for individuals, families, and businesses.
Karthika Insurance is not just an agency; it’s a collective effort to provide customized insurance plans that meet the diverse needs of clients across India. Whether you are an individual looking for life, health, or motor insurance, or a business seeking coverage for your employees, assets, or liabilities, KI delivers the right solution tailored to your requirements.
01. April 1971
Mr. Nair embarked on his journey in the insurance advisory business on April 1, 1971, laying the foundation for a trusted and client-focused service in the Life Insurance space. With a vision to provide expert guidance in insurance policies, he built a firm committed to financial protection and risk management for individuals and businesses alike. Over the years, his advisory has grown into a reliable institution, adapting to industry changes while maintaining a strong reputation for integrity and personalized service. His dedication to helping clients navigate the complexities of insurance has made his venture a cornerstone of trust in the field.
01. April 1998
This was a time of significant expansion where Mr. Nair’s advisory services. Offering General Insurance advisory service alongside life insurance advisory services to provided more comprehensive risk mitigation solutions.
01. April 1999
A significant milestone in broadening financial protection for clients. Later, his son, Mr. Unnikrishnan, joined him, further extending the offerings to include financial planning services, providing comprehensive solutions for wealth management and security
To offer top-quality, reliable insurance solutions through personalized service, with a commitment to protecting what matters most—from individual families to large corporations.
To offer top-quality, reliable insurance solutions through personalized service, with a commitment to protecting what matters most—from individual families to large corporations.
An end-to-end insurance solutions company from Advisory to complete after sales support with little more than four decades of experience in the insurance industry.