Age Under 40

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.  Cheat sheet 10.1 lakh Individual death claims … 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