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Return of Premium Rider

What is the Return of Premium Rider?

The Return of Premium (ROP) rider refunds your premiums if you outlive your term plan. It sounds appealing, but is it worth the higher cost? In this guide, we explain how the rider works, who it suits best, and when zero-cost plans may be smarter.

9 MIN
Swetlana Neog
Written by Swetlana Neog
Acko Life Insurance Review

Acko Life Insurance Review: Should You Trust a New Insurer in 2025?

This comprehensive Acko Life Insurance Review examines the history of Acko, plan features, and customer feedback. Learn about the top Acko Term Insurance policy details and whether a term insurance policy from Acko fits your needs.

10 MIN
Swetlana Neog
Written by Swetlana Neog
Shriram Life Insurance

Shriram Life Insurance Review

This in-depth Shriram Life Insurance Review explores plan features, claim settlement data, and customer insights. Learn about the top Shriram Life Insurance policy details and whether a term insurance policy from Shriram fits your needs.

10 MIN
Swetlana Neog
Written by Swetlana Neog
SBI Smart Fortune Builder

SBI Smart Fortune Builder ULIP Review

Looking to combine investment and insurance? This 2026 review of SBI Smart Fortune Builder explains returns, costs, and coverage, and whether it’s the right fit.

16 MIN
Swetlana Neog
Written by Swetlana Neog
Difference Between Term and Whole Life Insurance

What Is The Difference Between Term And Whole Life Insurance?

Before you pay extra for that “lifelong” coverage, read this! Discover the difference between Term and Whole Life Insurance. Understand how they differ in cost, purpose, and value — and why one can save you lakhs while still securing your family’s future.

7 MIN
Soumi Halder
Written by Soumi Halder
Term Insurance Medical Test List

Term Insurance Medical Test List: Are You Fit to Get Covered?

Medical tests can make or break your term insurance policy. This blog explains everything you need to know—from standard checkups to exceptions—so you’re fully prepared before you apply.

9 MIN
Swetlana Neog
Written by Swetlana Neog
Should you declare smoking after you buy a term insurance plan?

What Happens If You Start Smoking After Taking Term Insurance?

If you start smoking after buying term insurance, your existing policy remains valid unless you hid facts at the time of purchase. Here's what you should know.

9 MIN
Swetlana Neog
Written by Swetlana Neog
Single premium life insurance

Single Premium Life Insurance: What is it and how does it work

Single premium life insurance lets you pay once and stay covered for years. Ideal for those with lump sum funds. Learn how it works and who it's best for.

15 MIN
Swetlana Neog
Written by Swetlana Neog
Is Term Insurance Good?

Is Term Insurance Good?

Term insurance offers high coverage at low premiums. Perfect for protecting your family. However, should you purchase one in 2025? Find out if it’s the right choice for you in this guide.

7 MIN
Swetlana Neog
Written by Swetlana Neog
Life Insurance Policy Refund

Can You Cancel Your Life Insurance Policy and Get a Refund?

Yes, you can cancel your life insurance policy, but the amount of money you receive back depends on the policy type, timing, and surrender rules. Here's everything you need to know.

8 MIN
Swetlana Neog
Written by Swetlana Neog
Does Term Insurance Premium Increase Every Year?

Does Term Insurance Premium Increase Every Year? Explained

Term insurance premiums don’t always rise every year. While level-term plans offer fixed premiums, group plans and delayed purchases may lead to higher costs. Here's how to lock in a lower rate and make informed insurance decisions.

14 MIN
Swetlana Neog
Written by Swetlana Neog
Mastering Life Insurance with Ditto

Mastering Life Insurance with Ditto

Life insurance secures your family’s future against life’s uncertainties. A good term plan offers high cover at low cost, protecting your loved ones when it matters most. Don’t delay—lock in affordable premiums early and get expert help to choose the right plan for your needs.

5 MIN
Swetlana Neog
Written by Swetlana Neog