Everything you wanted to know about term insurance but didn’t know whom to ask.
The free look period is a consumer-friendly provision in Indian insurance law. It gives policyholders a limited window after receiving their policy document to review the terms and conditions, and if unsatisfied, cancel the policy and claim a refund. For term insurance buyers, this safeguard is especially important because it gives buyers a window to … Read more
Online term insurance gets the headlines, but most Indian families still buy through the traditional offline route. According to IRDAI’s 2024 annual report, nearly 45% of life insurance premiums were still sourced through offline channels such as agents, bancassurance, and branch visits. This preference exists because many buyers value face-to-face interaction, guidance, and handholding in navigating complex financial products. In … Read more
Term insurance is one of the most cost-effective ways to secure your family’s financial future, yet many buyers struggle at the very first step: getting a quote. In India, insurers and online aggregators provide quotes instantly, but few understand how these quotes are calculated, what factors influence them, and why two insurers may offer very different premiums for … Read more
Eight types of term insurance explained: level term, increasing term, decreasing term, TROP, convertible, group, whole life, and joint plans. Learn which combination fits your life stage, debts, and family structure with real examples and a comparison table.
Maybe a friend mentioned it, or your parents nudged you to “get some cover.” But what is term insurance, really? Why does everyone say you need it, and when should you actually buy it? A term insurance plan is the simplest, cheapest form of life insurance, and for most Indians, it’s the only life insurance … Read more
A plain-language A-to-Z glossary of every term insurance term you need to know before buying a policy in India. From assignee to zero-cost term plan, each entry explains what the term means, why it matters, and what to watch out for.