PolicyTray is an online life insurance knowledge and know-how platform. Users can gain knowledge on the various insurance products and find nearby insurance agents/advisors to purchase insurance products. Information provided pertains to premium & estimated maturity returns. This is delivered through the life insurance maturity calculator which helps the user in deciding which is the best investment plan. PolicyTray also provides the life insurance surrender value through which policy holders can check the surrender value and the maximum loan that they can avail on their policy.