Life Insurance

Life insurance in India is often sold bundled with investment features, which makes it harder to answer the one question that actually matters: is your family financially protected if something happens to you? A pure term plan, sized to replace 10-15 years of income plus outstanding loans, is usually the most cost-effective way to close that gap — the rest is largely optional riders and add-ons layered on top.

These guides break down how term plans differ from other life insurance products, which riders are worth paying for, and how to work out a coverage amount that matches your actual liabilities rather than a round number an agent suggests.