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Life Insurance Articles

Term vs Permanent Life Insurance

Term vs Permanent Life Insurance – Which One Should You Choose?

Confused between term and permanent life insurance? Learn the key differences, pros, cons, and expert tips to choose the right life cover for your family’s financial security.

6 min read
Term insurance for young adults

Should Young Adults Consider Term Insurance in 2025?

Ditto explores whether young adults should consider term insurance in 2025. Learn why starting early helps secure low premiums, lifelong protection, and financial stability for your loved ones.

7 min read
Life Insurance Premium

Factors That Affect Your Life Insurance Premium (2025 Guide)

Your life insurance premium isn’t random math. Factors like age, health, cover, term, and even payment mode together move the needle. Here’s how the pricing works with IRDAI norms and expert tips.

9 min read
Permanent Life Insurance

Permanent Life Insurance: Types, Benefits & How It Works

Permanent life insurance in India offers lifelong coverage, a guaranteed death benefit, and a cash value you can access. This guide explains types like whole life, ULIPs, and endowment plans, along with benefits, drawbacks, tax advantages, and who should consider them.

10 min read
Convertible Term Life Insurance

What Is Convertible Term Life Insurance?

Convertible Term Life Insurance lets you change your term policy to permanent coverage without medical exams, offering lifelong protection and flexibility tailored to your evolving needs.

9 min read
early payout on terminal illness

What is an early payout on terminal illness?

Diagnosed with a terminal illness? Some term plans let you access part of your sum assured early. This early payout helps cover medical bills and other needs while you're alive. Learn how it works, eligibility, payout limits, and why it matters.

7 min read
Limited Payment Life Insurance

What Is Limited Payment Life Insurance?

With Ditto, learn what limited payment life insurance is, how it works, its key features, pros and cons, and whether it’s the right choice for you. Pay for a few years, get lifelong coverage, smart planning made simple.

8 min read
Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY)

Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY): A Comprehensive Guide

Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) is a government scheme for the people of Maharashtra. But is it the right choice for you and your family? This guide discusses the scheme in detail to help you make the right decision.

8 min read
Renewable Term Life Insurance

Is Renewable Term Life Insurance the Right Choice for You?

Renewable term life insurance gives you the flexibility to extend coverage without a medical test. Learn its benefits, drawbacks, and whether renewable term life insurance is the right choice for your financial future.

8 min read
How to Download LIC Premium Payment Receipt

How to Download LIC Premium Payment Receipt: Simple Guide

This blog provides a simple, step-by-step guide to easily download your LIC Premium Payment Receipt online. Learn how to access financial year-wise or month-wise receipts, keep your records updated, and use them as proof of payment for claims, loans, or personal documentation.

5 min read
Facultative vs Treaty Reinsurance

Facultative vs Treaty Reinsurance: How They Work Together

This guide on Facultative vs Treaty Reinsurance explains how insurers share risk for mega projects, routine policies, and catastrophic events, with real-world examples and a look at how these two types of reinsurance work together for stability.

8 min read
Difference Between Renewable life insurance and convertible life insurance

What is the Difference Between Renewable life insurance and convertible life insurance ?

Early payout on terminal illness lets you access part of your term life cover while you're still alive. Use it for treatment or urgent needs. Learn how it works, payout limits, and why choosing the correct term plan matters for real-life support.

7 min read