For HNIs

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

If you’re earning ₹50 lakh or more annually, the standard term insurance advice you’ll find online doesn’t really apply to you. The “12 times your income” formula? It breaks down at high incomes. The ₹1 crore cover everyone recommends? Probably inadequate for your situation. And that quick online application process? Forget it: you’re looking at … Read more