Protect your family's future for less

We're authorised to place life cover with Tata AIA Life and Axis Max Life. We compare their term plans on claim record, features and price, and recommend the one that suits your profile.

A common rule is 10 to 15 times your annual income, adjusted for loans and goals like your children's education. Our cover calculator works it out more precisely from what your household actually spends.

Ideally until you retire or your dependents become financially independent, usually age 60 to 65. Covering well beyond that mostly adds cost without adding protection.

Pure term gives the most cover per rupee. Return-of-premium costs noticeably more for the same cover but refunds your premiums if you outlive the term. We'll show you the maths for both.

The biggest reason claims fail is non-disclosure. We make sure you declare health, income, occupation and habits correctly at the start, which is what makes your family's claim defensible later.

Premiums are generally deductible under Section 80C and the death benefit is usually tax-free under Section 10(10D), subject to prevailing tax rules and the regime you've opted for.

Usually yes for meaningful cover, either a full medical or a tele-medical, depending on your age and the sum assured. It's in your interest: a properly underwritten policy is far harder to dispute at claim time.

There's a grace period in which you can pay and keep the policy intact. Miss that and the policy lapses, leaving you uninsured until it's revived. We track renewal dates for our customers so this doesn't happen.

Some plans let cover step up at life events like marriage or a child, and you can also buy an additional policy later, though at your then-current age and health. Buying adequately now is usually cheaper than topping up later.

Yes, and it's fairly common, for example splitting cover across insurers. You must disclose existing cover on each application; total cover still has to be justifiable against your income.

Only where they earn their place. Critical illness and accidental cover genuinely help some people, particularly sole earners and the self-employed, while others are better off putting that premium into a higher base cover. We'll price it both ways.

It's the share of claims an insurer paid in a year. It's useful, but read it alongside how much was paid and how quickly, since a high ratio built on small claims says little about a large one.

Always. Insurers test for nicotine at claim time, and an undeclared habit is clean grounds for refusal. You'll pay a smoker's rate, but your family's claim will be safe, and many insurers reconsider the rate after a sustained smoke-free period.

Yes. Instead of salary slips, insurers assess your filed income tax returns, typically the last two to three years. Consistent filings are what unlock a high sum assured.

Term is pure protection with no maturity value, which is why it costs so little. Endowment and money-back plans bundle savings with insurance, giving you far less cover per rupee. For most families, protection and investing are better kept separate.

The person who actually depends on your income, usually your spouse, or parents if they rely on you. If you name a minor, appoint an adult guardian too, and revisit the nomination after any major life event.

Policies carry an exclusion for the first year from commencement or revival, after which claims are generally payable. The exact wording differs by insurer, and we'll point it out in your policy document.

With pure term insurance, cover simply stops and there's no payout, which is the trade-off for the low premium. That's why we set the term to run through the years your family actually depends on your income.

A window after receiving your policy, typically 15 to 30 days, in which you can read it properly and return it for a refund if it isn't what you expected. We encourage customers to actually use it.

No. Our advice is free and our commission from the insurer doesn't change with which plan you pick, so there's no incentive for us to push a costlier policy.