Manan Shah 
Complete guide to term insurance for smokers and tobacco users in India. Learn how much more you’ll pay, what the cotinine test detects, why disclosure is non-negotiable, and how quitting can lower your premiums.
A complete guide to building family term insurance protection in India. Learn how to calculate coverage for each earning member, compare joint life vs individual policies, use staggered coverage to save money, and protect payouts with the MWP Act.
Everything you need to know about term insurance for women: working women, homemakers, and single mothers. Eligibility, coverage calculations, riders, and the step-by-step buying process.
Everything you need to know about buying term insurance before 40: how age affects your premium, what the age limit means, how much cover you need at different life stages, and the mistakes that cost young buyers lakhs.
You buy a term insurance policy today, and it protects your family for the next 30 years. But what about the rules governing that policy? Those are changing too. The Insurance Regulatory and Development Authority of India (IRDAI) has been quietly reshaping insurance regulation in India through a series of reforms aimed at making policies … Read more
When comparing term insurance plans, most people look at the insurer’s claim settlement ratio (CSR) as the single most important metric. A CSR of 98% sounds reassuring. But that number tells you how many death benefit claims were settled, not how rider claims performed. If you have added a critical illness rider, accidental death benefit, … Read more