Short and long-term disability insurance provide income replacement for specific periods. But what is the primary difference between both insurance types? This guide discusses them in detail.
Do you want to terminate your policy mid-way but not sure how to go about with the process? Then, this guide on cash surrender value of life insurance is for you. Learn more about the step-by-step procedure and other considerations.
The Post Office Gram Suraksha Yojana is a government-backed life insurance plan under RPLI that offers lifelong cover up to 80 years, flexible premiums, loan facilities, and maturity benefits. Designed for rural India, it provides affordable financial protection for families.
A staggered payment in term insurance lets your family receive the death benefit in instalments rather than a lump sum. Understanding how staggered payouts work and whether they fit your family’s needs can make a big difference in financial planning and long-term security.
Single mothers shoulder the entire responsibility of their child’s future. Term insurance ensures financial security by covering education, healthcare, and living expenses in your absence. Here’s how to choose the best plan.
Term insurance claims can be of different types, and you must be aware of them to leverage the benefits. From death benefit to maturity benefit and riders, this guide explores these claim types in detail to help you avoid unnecessary rejections or delays.
A non-cancellable insurance policy ensures your coverage stays intact—no premium hikes or benefit cuts if you keep paying. While India lacks pure versions, options like lifetime renewability, fixed-premium term plans, and riders offer similar long-term stability.
Learn how the deferment period in life insurance lets you delay payouts to grow your corpus. Ideal for ULIPs, annuities & savings plans, it helps align income with retirement goals. Understand benefits, IRDAI rules & how to choose the right duration.
If you have a term insurance policy, you must know the claim process to ensure your family can access the benefits easily. In this guide, we will discuss how does term insurance claim work and provide a step-by-step process for smooth claim settlement in the long run.
A simple guide to understanding long-term disability insurance in India, and how to build protection with term-plan riders. Also, learn about PA add-ons, PTD/PPD/TTD, what’s covered, when benefits start, and steps to claim.
The 3-year clause in term insurance (Section 45) protects policyholders by preventing insurers from rejecting claims after 3 years, except in cases of proven fraud. Learn how it works, key exceptions, and why honest disclosures ensure long-term claim security.
Ditto breaks down Universal Life Insurance: lifelong cover, flexible premiums, savings, and how it compares with ULIPs in India.
