Term Insurance

Financial security has become more important than ever, especially as living costs, healthcare expenses, and long-term financial responsibilities continue to rise. Whether you’re a young professional, a parent, or the primary income earner in your family, protecting your loved ones from unexpected financial hardship should be a key part of your financial plan. Term life […]

A profitable business can still result in a weak term-insurance application when the owner’s income records are incomplete or inconsistent. Insurers assess the income available to the applicant, not simply the revenue earned by the business. People comparing term insurance for self employed applicants should prepare their financial records before choosing a large sum assured.

Many people delay buying term insurance because they expect a long medical examination process. However, some applicants may qualify for term insurance without medical test, depending on their age, health, income, lifestyle and required life cover. This does not mean that the insurer will issue the policy without checking your risk. You must still complete

Term insurance without medical test is available in India, but not every applicant qualifies for it. Insurers usually offer this option to young and healthy buyers who have no major medical history and choose a lower or moderate life cover. In this type of term plan, the insurance company may approve your policy based on

A term insurance plan is bought to protect the family financially after the policyholder’s death. But sometimes, the nominee does not receive the claim because the insurer rejects or delays it due to errors, missing documents, policy lapse, or wrong information in the policy application. The most common term insurance claim rejection reasons include incorrect

Learn SBI term insurance benefits, premiums, tax rules, claim steps, and how to choose the right cover for your family.

A practical guide to SBI term insurance cover, eligibility, premium factors, exclusions, and the nominee claim process.

Estimate your term insurance cover and premium with a simple guide to HLV, underwriting, riders, and calculator-based planning.

Many Indian buyers get stuck on the same question: lic or term insurance which is better? The confusion is understandable because both are sold under the broad label of life insurance, but they serve very different purposes. One is mainly about pure protection; the other often mixes insurance with savings. If your main goal is