Life Insurance
Understand term plans, savings‑linked policies and retirement‑focused covers in plain language so you can pick protection that truly supports your family’s lifestyle and goals.
Popular Life Insurance Plan Types
Different families have different needs. Compare key plan structures to see which one fits your income, dependants and long‑term goals.
High cover at low premium focused purely on protection so your family’s expenses and loans stay covered.
Combine life cover with long‑term savings or guaranteed maturity benefits for planned milestones.
Insurance plus investment with equity or debt funds for investors comfortable with market‑linked returns.
Plans that create regular income streams or pensions so your post‑retirement lifestyle remains stable.
Why Life Insurance Matters
How much cover do I need?
A simple thumb‑rule many families use is 10–15× of annual income plus any big liabilities. We help you fine‑tune this based on your age, dependants and existing assets.
Use our reviews and calculators to see how different cover amounts impact premiums so you can balance affordability with adequate protection.
Frequently Asked Questions
Still unsure about which plan to pick, when to buy or how claims work? These quick answers clear common doubts before you decide.
The earlier you buy, the lower your premium for the same cover. Ideally, take a term plan as soon as you have financial dependants or long‑term loans, rather than waiting until later in life.
Term insurance is usually the most cost‑effective way to get high protection. You can then invest separately for returns. Savings plans may suit those who prefer bundled, guaranteed benefits with lower risk appetite.
Look at claim settlement ratio, policy exclusions, premium payment term, rider options and how long the cover lasts. Always disclose health and lifestyle details honestly to avoid claim issues later.
