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Why term insurance matters: it replaces your income if you're not around — so your family can cover daily expenses, children's education and loan EMIs, and maintain their lifestyle without financial stress.
3 quick tips before your call
1
Know the 2 types. Pure Term is the cheapest — it pays out only if something happens to you, with no maturity amount. Term with Return of Premium (TROP) refunds all your premiums if you survive the term, but costs more. Pure term gives the highest cover for the lowest price.
2
Add the key riders. Consider a Waiver of Premium (future premiums are waived if you're critically ill or disabled), plus Critical Illness and Accidental Death cover. These small add-ons make the policy far more useful when it matters most.
3
Cover at least 10× your income — ideally 15×. Your sum assured should be a minimum of 10 times your gross annual salary, and 15× is ideal for full protection.
Example: if you earn Rs 10 lakh/year, aim for Rs 1 crore (10×) to Rs 1.5 crore (15×) cover.
