Plan Your Policy

Complete guide to calculating the right term insurance coverage amount in India. Compare 50 lakh vs 1 crore vs 2 crore cover, learn three calculation methods (income multiple, HLV, expense-based), and find your ideal sum assured.

Complete guide to term insurance for smokers and tobacco users in India. Learn how much more you’ll pay, what the cotinine test detects, why disclosure is non-negotiable, and how quitting can lower your premiums.

A complete guide to building family term insurance protection in India. Learn how to calculate coverage for each earning member, compare joint life vs individual policies, use staggered coverage to save money, and protect payouts with the MWP Act.

Everything you need to know about term insurance for women: working women, homemakers, and single mothers. Eligibility, coverage calculations, riders, and the step-by-step buying process.

Everything you need to know about buying term insurance before 40: how age affects your premium, what the age limit means, how much cover you need at different life stages, and the mistakes that cost young buyers lakhs.

When you buy term insurance as an NRI, the base policy handles the big question: if something happens to you, your family gets a lump sum. But then comes the follow-up question from every insurer: “Would you like to add riders?” Riders are optional add-ons that cover specific risks like accidents, critical illness, or disability. … Read more

One of the most common questions NRIs ask: “Do I need to fly to India just to buy a term insurance policy?” The short answer is no. Indian insurers have made it possible for Non-Resident Indians to purchase term insurance entirely from abroad, using digital onboarding, embassy attestation, and telemedical exams. But “possible” does not … Read more

Imagine being 30 today with a young family, a home loan, and financial responsibilities. You consider term insurance: coverage till 65 or “till 99.” While lifelong coverage sounds reassuring, it comes at a high cost. This article explores why, for many Indian policyholders, coverage till about age 65 is often more cost-efficient, practical, and suited to … Read more

When buying life insurance, many Indians instinctively choose the longest cover: sometimes till age 99. It feels safe, like a lifelong guarantee. Yet this choice is often driven by psychology, cultural norms, and marketing rather than actual financial need. Understanding these influences helps buyers make rational, cost-effective decisions.  TL;DR  The Allure of “Forever Security”  A … Read more

Here is a conversation that plays out in countless Indian families: “My father never had term insurance, and we turned out fine. Why do I need one?” The reasoning feels sound on the surface. Your parents may have built a stable life without ever buying a term plan. But their financial reality was fundamentally different … Read more

For most Indians, buying term insurance is a straightforward process: fill an application, answer health questions, possibly take a basic medical test, and get approved within a week. But once you cross the ₹50 lakh sum assured threshold (which most high-income professionals do), the underwriting process shifts into a different gear entirely. Expect more paperwork, … Read more

“Buy term insurance as early as possible” is one of the most repeated pieces of financial advice in India. And on the surface, it makes sense: premiums are lowest in your 20s, so locking in early saves money. But there is a less obvious side to this argument. At 25, most people have no dependents, … Read more