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The same ₹1 crore term insurance plan can cost ₹11,000 a year at 27 or over ₹30,000 at 45. Age limits in term insurance aren’t just about eligibility. They quietly shape premiums, coverage options, and approval odds.
GST on term insurance is now 0% for individual policies from 22 September 2025. Learn how this affects your premium, tax benefits, renewals, riders, and why group policies still attract 18% GST.
HDFC Life Term Insurance offers reliable, flexible protection backed by strong claim ratios and trusted service. This guide compares HDFC’s key term plans, features, premiums, riders, inclusions, exclusions, and who they suit best in 2026.
Insta Payout on claims is a feature in select term insurance plans that allows nominees to receive a small part of the death benefit immediately after claim registration, helping cover urgent expenses while the insurer completes claim verification.
ICICI Pru iProtect Smart Return of Premium is a term plan that refunds premiums on maturity, but at nearly double the cost of pure term insurance. Here’s an honest, data-backed review.
A detailed Bajaj Life iSecure II Plan review covering premiums, riders, exclusions, claim settlement metrics, and why it suits buyers without formal income documents.
The Acko Life Flexi Term Plan is a digital-first term insurance plan offering flexible payout options, optional riders, and straightforward underwriting. This review explains how the plan works, who it suits best, and what to check before buying.
Bandhan Life iTerm Prime is a basic term insurance plan offering lump-sum life cover with an optional Special Exit Value. This review explains its features, premiums, riders, and how it compares with Ditto’s top-recommended term plans.
Choosing the best term insurance plan at 45 requires balancing premium costs, coverage needs, and eligibility rules. This guide explains the best options in India, key benefits, common challenges, and what to check before buying.
The term insurance grace period allows you extra time to pay your premiums without losing coverage. Learn how it works, what happens if you miss a payment, and the steps to take if your policy lapses.
A 30-year term life insurance plan offers long-term, affordable protection during peak earning years. Learn how it works, premium comparisons across insurers, who should buy it, and why coverage till age 65–70 often makes more sense.
20-year term life insurance offers fixed protection for two decades at affordable premiums. This guide explains how it works, who it suits best, how premiums are calculated, and what to check before buying a 20-year term plan.
