# The Policy Exchange

Startup profile on Capital Atlas: https://capitalatlas.ai/startups/the-policy-exchange

- Industry: Financial Services
- Headquarters: Noida, India
- Website: www.thepolicyexchange.com
- Total disclosed funding: $1.5M
- Latest round: Series B (Nov 5, 2025)
- Investors on record: 3

## About

The Policy Exchange, based in India, offers financial solutions to life insurance policyholders struggling with premium payments. Their services include policy assignment, loans against policies, and premium financing, aimed at providing liquidity and sustaining coverage.The Policy Exchange was founded in 2022 in Noida, India. The company focuses on supporting life insurance policyholders by offering financial services. The company raised USD 1.5 mn in Series B funding on November 5, 2025, co-led by 1Crowd, HighTower Advisors, and VLS Finance Ltd. This funding marks their first deal, with a total amount raised thus far being USD 1.5 mn. Tarun Bahri (CEO), Naveen, and Safia co-founded the firm. The Policy Exchange specializes in financial solutions designed to assist life insurance policyholders facing difficulties in maintaining their premium payments. Their core offerings include policy assignment, loans against policies, and premium financing, which collectively aim to provide immediate liquidity and sustain the life insurance coverage of clients. Policy assignment allows clients to access the surrender value of their policies while retaining partial coverage, while loans against policies offer quick cash solutions for urgent personal or business needs. Premium financing enables clients to secure short-term loans to cover their premium costs, ensuring continued protection without loss of coverage. The company serves a diverse client base, primarily targeting individuals with existing life insurance policies who are located in various markets, including urban and suburban areas across India.The Policy Exchange generates revenue through the facilitation of financial services associated with life insurance policies. Their transaction model primarily operates on a B2C basis, where clients utilize their services to secure financial assistance against their life insurance policies. For instance, a client may approach The Policy Exchange to assign their policy, enabling the client to access funds quickly while keeping their insurance active. The company may charge fees associated with the policy assignment process and the structuring of loans, contributing to their revenue stream. While specific pricing plans for these services are not disclosed, the structure involves a clear transactional framework where policyholders pay fees for the services rendered, reflecting the company’s commitment to assisting clients in maintaining their financial security through innovative insurance solutions.In November 2025, The Policy Exchange raised USD 1.5 mn in Series B funding, which will be utilized to strengthen its technology infrastructure, build its organizational structure, and increase market awareness. The company is designing new products to enhance their offerings, with plans to expand into new markets across India by the end of 2026. These initiatives aim to broaden their client base and improve service delivery in the rapidly evolving insurance financial landscape.

## Funding rounds

- Series B, Nov 5, 2025, $1.5M — 1Crowd, HighTower Advisors, VLS Finance Ltd

## Investors

- 1Crowd (https://capitalatlas.ai/funds/1crowd) — Series B
- HighTower Advisors (https://capitalatlas.ai/funds/hightower-advisors) — Series B
- VLS Finance Ltd — Series B