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Section 45 of the Insurance Act 1938 sets a 3-year limit on contesting life insurance policies. But fraud changes everything. Exact timelines, exceptions, and what courts have ruled.
NHRC issued a notice to IRDAI after disabled persons were denied life insurance. The legal framework, IRDAI guidelines, and your rights as a buyer explained.
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.
NRIs in the US with a valid Indian passport can buy term insurance from Indian insurers entirely online. This guide covers eligibility (including green card and OCI rules), the step-by-step buying process, NRE vs NRO account strategy for claim repatriation, tax sections 80C, 10(10D) and 194DA, and verified claim settlement ratios from leading insurers.