Protection

Term Insurance

The highest cover per rupee of premium of any life insurance product — because it does exactly one job: replace your income if you're not there to earn it.

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How much cover

A rule of thumb, then adjust for your situation

10–15x annual income

A common starting point — refine it against actual liabilities and goals below.

Add outstanding loans

Home loan, car loan, or any other debt your family would otherwise have to repay.

Add future goals

Children's education and marriage costs, sized in today's rupees plus inflation.

What to check before buying

Fine print that actually matters

Claim settlement ratio — the insurer's track record of honouring claims, published annually by IRDAI.
Riders — critical illness, accidental death and waiver-of-premium riders can extend cover for a modest extra cost.
Cover till what age — plans that go to 75 or 85 cost more but avoid a protection gap in your 60s and 70s.
Disclosure — declare income, medical history and existing policies accurately; misstatement is the most common reason claims get rejected.

Term insurance builds no cash value and pays nothing on survival to maturity — that's what keeps the premium low. If you want a savings component too, that's better served by a separate mutual fund SIP.

Get quotes from multiple insurers

We'll shortlist 2–3 plans based on your age, income and health profile.

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