Manan Shah 
In a market full of term insurance products with riders, return-of-premium options, increasing cover variants, and bundled investment features, the simplest product is also the most effective: plain vanilla term insurance, also called a pure term insurance plan. No frills, no maturity benefit, no investment component. Just a death benefit paid to your nominee if … Read more
Most families skip insuring homemakers. Replacing childcare, cooking, and household work costs lakhs per year. Why term insurance for non-earners matters.
When you take a home loan in India, the lender will almost certainly offer you a Home Loan Protection Plan (HLPP). It sounds sensible: a policy that pays off your home loan if you die, so your family keeps the house. But before signing up, you should understand how HLPPs compare to regular term insurance. … Read more
When you take a business loan, the lender evaluates your ability to repay. But what happens if you are no longer around to make those payments? For sole proprietors and partners, the business loan does not simply disappear. It becomes a liability that falls on your family, your business partner, or your estate. This is … Read more
Everyone says buy as much term insurance as you can afford. Online calculators push you toward round numbers: ₹1 crore, ₹2 crore, ₹5 crore. The logic seems sound: premiums are cheap, so why not go big? But here is the uncomfortable truth: more coverage is not always better coverage. Buying too much can strain your … Read more
“Buy term insurance as early as possible” is one of the most repeated pieces of financial advice in India. And on the surface, it makes sense: premiums are lowest in your 20s, so locking in early saves money. But there is a less obvious side to this argument. At 25, most people have no dependents, … Read more