Andy Shatananda 
“Why should I pay for term insurance and get nothing back if I survive?” This is the single most common objection to buying a term plan life insurance policy. And it is exactly the objection that Return of Premium (ROP) plans are designed to address. The pitch behind term insurance with return of premium is … Read more
Imagine purchasing a health insurance policy with a sum insured of ₹10 lakh, believing it will cover all your medical expenses. However, over time, as medical costs rise due to inflation, that ₹10 lakh may no longer suffice. That gap between what your policy covers on paper and what treatments actually cost grows every year you do … Read more
Retired, debt-free, and financially set? Term insurance adds little value for your parents. But for you with dependents and loans, it’s non-negotiable.
For most Indians, buying term insurance is a straightforward process: fill an application, answer health questions, possibly take a basic medical test, and get approved within a week. But once you cross the ₹50 lakh sum assured threshold (which most high-income professionals do), the underwriting process shifts into a different gear entirely. Expect more paperwork, … Read more
You bought term insurance to protect your family. But what happens when the reasons you bought it no longer apply? The home loan is paid off. The children are earning. Your retirement corpus covers your spouse’s needs. The annual premium feels like it is buying protection against a risk that no longer exists. Dropping term … Read more
We work tirelessly for our families. Yet many of us overlook the most important question: what happens to our loved ones if we are no longer there to support them? Savings and investments may fund major milestones like education or retirement, but they often fall short for securing a family’s day-to-day stability in moments of … Read more