Girish Kumar 
Buying term insurance as a salaried employee is straightforward: show your Form-16, salary slips, and you are done. For freelancers, the process is entirely different. Insurers do not know how much you earn, how stable your income is, or whether you can sustain premium payments for 20-30 years. That is where your financial documents come … Read more
Loans are now part of everyday Indian life: whether it is a 20-year home loan, an education loan for children, or personal credit. These debts help us build assets and fulfil dreams, but they also create long-term obligations. The reality is simple: if the borrower is no longer around, the EMI does not disappear. It … Read more
A term insurance policy does its job only when the claim is paid. And a claim gets paid only when the right documents are submitted, complete and on time. This sounds simple, but it is where many families struggle the most. During one of the most difficult periods of their lives, families are asked to … Read more
Miss a premium? You get 15-30 days before your term policy lapses. What happens during the grace period and how to revive a lapsed policy, explained.
Should you pick pure protection or get premiums back? We compare term and money-back policies on cost, coverage, returns, and tax benefits side by side.
In the last decade, the way Indians purchase insurance has undergone a major shift. Buying term insurance online has become not only convenient but also cost-effective, with insurers now offering digital-first journeys. IRDAI-classified online sales remain below 1% of industry premium, but insurer websites and aggregator platforms now handle the bulk of research and quote comparison for … Read more