In a space where most products are designed around salaried professionals, founders often find themselves outside the system. Inkapreneur, a new collaboration between Inka Insurance and Bajaj Life, attempts to change that by offering what both companies describe as India first life insurance solution created specifically for entrepreneurs.
Traditional financial underwriting treats regular salary slips and predictable income as the default. Many founders draw minimal salaries, reinvest heavily in their businesses or have remuneration structures that do not reflect their real enterprise value. As a result, they either struggle to qualify for life cover or end up underinsured.
Inkapreneur is positioned as a direct response to this gap. The product reworks the financial assessment lens to better reflect the way entrepreneurial income behaves, simplifying the documentation process and reducing the friction that usually exists between founders and conventional underwriting norms.
What makes Inkapreneur different from regular life insurance
Instead of relying only on standard salary proofs, the solution gives room for the realities of startup building. The focus is on speed, fairness and ease
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Reduced dependence on traditional income proofs that do not capture founder value.
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Faster access to life cover without long and confusing paperwork journeys.
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A structure that recognises the volatility and growth potential of founder led businesses.
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Vaibhav Kathju, founder of Inka Insurance, notes that the idea came from lived experience. As a founder himself, he has seen how the system often underestimates entrepreneurs simply because their income does not match conventional salary patterns. Inkapreneur is presented as a way to challenge that bias and extend protection to people driving the innovation economy.
From Bajaj Life perspective, the collaboration strengthens its ambition to make insurance more inclusive. Dheeraj Sehgal, chief distribution officer for institutional business, frames the product as an extension of the brand focus on enabling life goals across segments, this time with a dedicated lens on the founder community.
Why this matters for the startup ecosystem
For many early and mid stage founders, personal risk cover sits at the bottom of the priority list, overshadowed by runway, hiring and product deadlines. Yet investors, families and teams are all tied to the individual in very real ways. A product that actually understands entrepreneurial income can help close an important protection gap.
The launch of Inkapreneur also underscores a broader shift in Indian financial services, where new products are emerging for gig workers, freelancers and now startup leaders whose lives do not fit neatly into legacy moulds.
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Inka positions the launch as part of its larger mission to solve real world financial barriers using trust, empathy and technology. The partnership with Bajaj Life gives the solution scale, regulatory depth and distribution muscle.
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