Girish Kumar

NHRC issued a notice to IRDAI after disabled persons were denied life insurance. The legal framework, IRDAI guidelines, and your rights as a buyer explained.

Online, agent, bank, or broker? Online is cheapest (up to 40% lower premiums) but each channel has trade-offs. We compare all four on cost, service, and claims.

Every year, the Union Budget reshapes how Indians save, invest, and protect their families. The 2025 Budget brought welcome changes for insurance buyers: lower costs on premiums, clearer tax rules for high-value ULIPs, and continuation of existing deduction limits. If you hold a term insurance policy or plan to buy one, these changes directly affect … Read more

Ask anyone how they chose their term insurance policy, and the answer is almost always the same: “I picked the insurer with the highest Claim Settlement Ratio.” It sounds logical. A 98% CSR means 98 out of 100 claims were paid, right? So why worry? The problem is that CSR, while useful, hides more than … Read more

Joint term insurance sounds appealing on paper: one policy, two lives covered, lower premium than buying separate plans. Insurers market these plans as the smart choice for modern couples. But is the convenience worth the trade-offs? The answer depends entirely on how the policy is structured, what happens after the first claim, and whether both … Read more

When selecting an insurance provider, many consumers rely heavily on the claim settlement ratio (CSR) as a primary indicator of reliability. While a high CSR suggests an insurer settles a significant number of claims, it doesn’t necessarily reflect the quality or fairness of those settlements. Understanding the limitations of CSR is important for making an informed choice.  TL;DR  CSR … Read more

Low premiums in term insurance can mean weaker coverage, poor claim settlement, or a less stable insurer. Here’s what to check before you buy on price alone.

Buying term insurance as a salaried employee is straightforward: show your Form-16, salary slips, and you are done. For freelancers, the process is entirely different. Insurers do not know how much you earn, how stable your income is, or whether you can sustain premium payments for 20-30 years. That is where your financial documents come … Read more

Loans are now part of everyday Indian life: whether it is a 20-year home loan, an education loan for children, or personal credit. These debts help us build assets and fulfil dreams, but they also create long-term obligations. The reality is simple: if the borrower is no longer around, the EMI does not disappear. It … Read more

A term insurance policy does its job only when the claim is paid. And a claim gets paid only when the right documents are submitted, complete and on time. This sounds simple, but it is where many families struggle the most. During one of the most difficult periods of their lives, families are asked to … Read more

Buying term insurance is easy. Knowing how much cover you actually need, however, is the tricky part. A ₹25 lakh term insurance plan may feel like a lot today, but will it still protect your family 15 years later when EMIs, school fees, and inflation rise? On the other hand, overshooting with a massive cover may mean premiums that strain … Read more

Miss a premium? You get 15-30 days before your term policy lapses. What happens during the grace period and how to revive a lapsed policy, explained.

Most Indians buying term insurance want to know the term insurance claim settlement ratio. They ask one question: “What is the company’s Claim Settlement Ratio?” It is a smart question because CSR tells you how often an insurer pays out. But here is the twist: CSR is not the full picture. It hides things like … Read more

Should you pick pure protection or get premiums back? We compare term and money-back policies on cost, coverage, returns, and tax benefits side by side.

In the last decade, the way Indians purchase insurance has undergone a major shift. Buying term insurance online has become not only convenient but also cost-effective, with insurers now offering digital-first journeys. According to a report by online comparison platforms in 2024, over 70 percent of new term insurance policies are now bought online. Yet, many buyers remain unsure about the … Read more

Term plans give maximum cover for the lowest premium. Endowment plans combine insurance with savings but return less than FDs. We compare costs, returns, and coverage to help you decide.