Ashok Hegde 
Type 2 diabetics with HbA1c below 7% can get term insurance with 25-50% premium loading. This guide covers insurer-specific HbA1c thresholds, required medical tests, and five strategies to reduce your loaded premium.
Your employer’s group term cover disappears the day you resign. Compare group and personal term insurance on portability, sum assured, premium costs, and tax benefits to decide if you need both.
Pre-existing conditions don’t automatically disqualify you from term insurance. Learn how underwriting works for diabetes, hypertension, thyroid disorders, and other conditions, plus strategies to get accepted at lower premiums.
Bajaj Life (formerly Bajaj Allianz) has a 99.29% CSR, industry-leading solvency of 3.59, and competitive eTouch II pricing. But the 30-day claim settlement rate of 92.45% trails the industry average. This guide covers plans, premiums, strengths, and watch-outs.
Tata AIA has a 99.41% CSR for FY 2024-25 and strong product features including a non-accelerated CI rider and India’s first USD NRI term plan. But post-sales service concerns persist. This guide covers plans, premiums, strengths, and watch-outs.
A complete guide to medical tests for term insurance in India. Which tests are required at what age, how to buy term insurance without medical tests, and why full disclosure protects your family.