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.
If you belong to a lower-income group or are employed in a public institution, government life insurance schemes in India are an excellent choice. But do they offer you all the benefits or have some limitations?
Life Insurance for Special Needs Child in India ensures lifelong financial protection through term plans, child insurance with Waiver of Premium, and structured legal tools like trusts and guardianship, giving parents peace of mind.
Saral Jeevan Bima Yojana is a simple, affordable IRDAI-standardised term plan that offers ₹5–25 lakh cover without complex eligibility checks. Perfect for those seeking no-frills protection with easy access for all income groups.
An Income Replacement Term Plan provides your family with a steady stream of income instead of a lump sum payout. This ensures financial security, covers monthly expenses, and protects your loved ones’ lifestyle in your absence.
You can name a minor as nominee, but claims are paid to an adult appointee or guardian until the child turns 18. Learn the rules, documents, and clean handover steps.
Buying term insurance is one of the most important financial decisions, yet many buyers in India make costly mistakes. This guide highlights the common pitfalls and offers practical tips to avoid them.
