Age 40+

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

Most term insurance advice targets people with dependents: “protect your spouse,” “secure your children’s future,” “replace your income for your family.” But what about people who are single, have no children, and whose parents are financially independent, yet carry significant loans? A home loan of ₹50 lakh, a car loan of ₹8 lakh, an education … Read more

Your child’s dreams don’t come cheap. Engineering, medicine, MBA, or even studying abroad: today’s ₹15 lakh degree could easily cost ₹30–40 lakh in just 10 years. Education inflation in India hovers at nearly 10% annually. That’s faster than your salary increments.  So here’s the hard question: If you weren’t around tomorrow, would your child’s education still be safe?  This is where term insurance steps in: not as an investment, … Read more