Smart Investments – Financial & Insurance Services

At Smart Investments, we believe that every individual and business deserves access to smart, reliable, and customized financial solutions. With over 30 years of excellence in the insurance and financial services industry, we have established ourselves as one of Goa’s most trusted names in life insurance, health insurance, motor insurance, loans, and mutual funds.

Our journey has been driven by a commitment to professionalism, integrity, and client success. Over the years, we have built a strong client base of 5000+ satisfied clients, covering assets worth crores and ensuring peace of mind through carefully crafted financial planning.

Our Legacy of Leadership

Khairoo Andani Khavtay – Founder

A well-loved and highly renowned name in the financial industry, Khairoo Andani Khavtay is a trailblazer with an exceptional record of achievements:

·         30 years of experience in financial and insurance advisory.

·         14 MDRT qualifications (Million Dollar Round Table) year after year.

·         Exclusive recognition as the only woman in Goa to qualify for the Top of the Table (TOT).

·         Holder of advanced academic qualifications: Bachelor of Commerce, Master of Arts in Sociology, and an Executive MBA in Business Protection Planning.

·         Currently pursuing Risk Mitigation and Legacy Planning studies to stay ahead in the field.

Her dedication to client success and her pioneering achievements reflect the values that drive Smart Investments.

Our Team of Experts

·         Khaiman Andani Khavtay – Leads the Medical Insurance vertical.

o    MDRT qualifier in the medical insurance category.

o    Member of the Elite Club in Star Health as one of the Top 20 Advisors in India.

·         Manosh Khavtay – Heads the Pure Term Risk Profile.

o    20 years of experience with TCS in finance, customs, central excise, and logistics.

o    Specializes in delivering customized term risk covers to clients.

·         Manjunath Biradar – Leads the General Insurance vertical.

o    Qualified engineer with MBA in Operations Management and Masters in Marketing Management.

o    9 years of corporate experience with Nestle, Faber-Castell, and Cremeux, plus 4 years at ICICI Lombard.

o    Expertise in corporate insurance and risk management.

This diverse and highly qualified team allows us to provide end-to-end financial solutions across multiple domains.

Our Services

We provide a comprehensive range of financial and insurance solutions, ensuring complete protection and growth opportunities for individuals, families, and businesses.

Life Insurance

·         Term Insurance

·         Pension Plans

·         Retirement Planning

·         Loan & Liabilities Policies

·         Child Education Plans

·         Tax Saving Plans

Health Insurance

·         Comprehensive Mediclaim Policies

·         Family Floater Health Plans

·         Corporate Health Insurance

Motor Insurance

·         Car and Two-Wheeler Insurance

·         Commercial Vehicle Coverage

Loans

·         Personal Loans

·         Business Loans

·         Loan Against Property

Mutual Funds

·         Investment Planning

·         Wealth Creation Strategies

·         Risk-Protected Portfolios

Our Impact in Numbers

·         Asset Insurance: ₹3200 Crores

·         Liability Insurance: ₹500 Crores

·         Mediclaim Insurance S.I.: ₹538 Crores

·         Life Insurance Coverage: ₹1000 Crores

·         Lives Covered: 6088 Crore worth insured

·         Claims Settled: ₹10 Crores

·         5000+ Happy Clients across India

·         100% Claim Settlement Rate

·         9 Branches ensuring accessibility and convenience

Why Choose Smart Investments?

·         Proven Expertise – 30+ years in financial and insurance advisory.

·         Trusted Leadership – Led by industry stalwarts recognized by MDRT, TOT, and COT.

·         Diverse Portfolio – From insurance to investments and loans, we cover it all.

·         Client-Centric Approach – Personalized financial solutions tailored to each client.

·         Strong Network – 9 branches across Goa and beyond for easy accessibility.

·         Track Record of Excellence – Crores insured, thousands of clients served, and 100% claim settlement.

Client Testimonials

"Smart Investments has transformed the way we approach financial planning. Their team provided us with a customized insurance and investment portfolio that secures our family’s future while helping us grow our wealth. We feel confident and at peace knowing we are in the hands of true professionals."

"The claim settlement process was smooth, transparent, and quick. Their commitment to client satisfaction is unmatched. I highly recommend Smart Investments to anyone looking for reliable financial advisors in Goa."

Our Promise

At Smart Investments, we stand by our motto:
“Make Smarter Financial Choices With Us.”

Our team ensures that every client receives expert advice, transparent service, and reliable financial protection. Whether it’s planning for retirement, securing your child’s future, protecting your assets, or growing your wealth through investments, Smart Investments is your trusted partner.