Step-by-step guides to buying term insurance online or offline
An ADB rider adds an extra payout to your term plan if you die in an accident. Here is how it works, what it excludes, what it costs across LIC, SBI Life, and ICICI Prudential, and whether it is worth adding to your policy.
Online, agent, bank, or broker? Online is cheapest (up to 40% lower premiums) but each channel has trade-offs. We compare all four on cost, service, and claims.
The waiver of premium rider keeps your term policy alive if you become disabled or critically ill. At 1,000 to 5,000 per year, it costs less than most riders. Here’s when it’s worth adding and when you can skip it.
Controlled hypertension below 140/90 mmHg is routinely accepted for term insurance with 25-100% premium loading. Learn what insurers check, which medications affect underwriting, and how to prepare for your application.
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.
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.