Who We Are -VCS Co. Financials

VCS Co. Financials is the proprietary practice of Prem Verma, a financial advisor with over 35 years of experience. What began in 1992 as an individual advisory practice has, over the decades, grown into a trusted brand name across Share Market investments, Mutual Funds, and Mediclaim/Health Insurance planning.
I have been instrumental in structuring high sum insurance covers for clients across income groups, and am recognized today as an AI Wealth Orchestrator and Mediclaim Specialist — combining decades of hands-on market experience with modern, technology-assisted financial planning.
Based in Mumbai, with an additional presence in Mandi, HP, I serve clients PAN India and NRI clients across the globe, offering personalized guidance for wealth creation, protection, and legacy planning — under the brand name VCS Co. Financials.

LIC of India. Over the years I have received several certificates of merit from LIC of India, including recognition for meritorious performance as a multi-crore agent.

Star Health and Niva Bupa. In the health insurance space I have been honoured on several occasions by Star Health and Allied Insurance and by Niva Bupa Health Insurance, recognition of sustained business performance in mediclaim. These recognitions matter to me for a particular reason health insurance is sold one family at a time, after a real conversation about what could go wrong and what it would cost. Volume in this segment is not a sales figure. It is a count of households that agreed to be protected.
Oriental Insurance Company. I have also facilitated inland transit insurance for a major defence establishment through Oriental Insurance Company — business scaling from ₹500 crore to ₹750 crore across successive years — and have been formally commended by the Indian Navy for the same.