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Life Insurance Articles

Term Insurance Vs Health Insurance

Term Insurance Vs Health Insurance: What to Buy First?

Term and health insurance are two different products. Should you get term insurance or health insurance? Understand their differences, benefits, and which ones you should buy for complete protection.

9 min read
How to Lower Life Insurance Premiums

How to Lower Life Insurance Premiums by Choosing the Right Cover

Life insurance doesn’t have to be expensive. This guide breaks down what affects your premium, how to reduce it smartly, and the common mistakes that quietly push costs up. Plus, real FAQs and expert advice from Ditto.

13 min read
Section 10(10D)

Section 10(10D) Explained: How to Make Your Life Insurance Payouts 100% Tax-Free

Section 10(10D) of the Income Tax Act: Understand the tax benefits on life insurance payouts, including term insurance and ULIPs, etc

14 min read
Endowment Plan vs Term Plan

Endowment Plan vs Term Plan: Which Life Insurance Option Is Right for You?

Choosing between an endowment plan and a term plan can be a confusing decision. This blog clarifies the key differences, benefits, and ideal scenarios to help you make an informed decision about life insurance.

15 min read
HDFC Life Sampoorn Nivesh Plus ULIP Review

HDFC Life Sampoorn Nivesh Plus ULIP Review (2025): Is It Worth Your ₹1 Lakh a Year

Is HDFC Life Sampoorn Nivesh Plus a smart ₹1 lakh/year investment or just another pricey ULIP? In this 2025 review, we unpack its benefits, real costs, and compare it to a basic term plan + mutual fund combo.

15 min read
Personal Accident Insurance

What is Personal Accident Insurance, and Do You Need It?

Personal accident insurance provides critical financial protection against accidental injuries, disabilities, and even death. In this guide, we break down its features, types, benefits, and claims process.

18 min read
Edelweiss Tokio Life Insurance Review 2025

Edelweiss Tokio Life Insurance Review 2025

Edelweiss Tokio Life Insurance’s CSR stands at an impressive 99.24%, but does that mean it's the best term insurance provider for you? Our 2025 review dives deeper into key metrics, plans, and real customer experiences to help you decide confidently.

12 min read
IndiaFirst Life Insurance

IndiaFirst Life Insurance Review (2025): Plans, Benefits, & Claim Experience

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

15 min read
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 read
Can You Get a Loan Against Term Insurance?

Can You Get a Loan Against Term Insurance? Here’s the Truth (2025 Guide)

Can you get a loan against term insurance? Not really. But here’s how to borrow using other life insurance plans with up to 90% of their surrender value.

5 min read
Terminal Illness in Term Insurance

What Is Terminal Illness in Term Insurance & Why It Matters in 2025?

Terminal illness cover lets you claim your term insurance payout early if diagnosed with a life-limiting illness. It offers crucial financial support when it matters most. Find out how it works, who needs it, and why it’s a smart add-on in 2025.

14 min read
Term Insurance for Home Loan

Term Insurance for Home Loan: Mandatory or Mis-sold?

Wondering if term insurance is mandatory with your home loan? It’s not—RBI doesn’t require it, and banks can’t force you. But should you skip it? Not really. This article uncovers the truth, bank tactics, and a smarter way to protect both your loan and family with a cost-effective life cover.

5 min read