Term insurance,
finally explained the
right way
At Gyansurance, our goal is to ensure you get clear, accurate, and practical advice to protect your family.
- Editor’s Pick
For high-net-worth individuals (HNIs) in India, securing a substantial term insurance policy has traditionally been seen as a prudent financial move. actually matter.
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Claims
Even genuine claims may be rejected due to non-recognised hospitals, disease misclassification, lapsed policies, minor document errors, or undisclosed medical histories
Term and endowment plans are built for very different journeys. Use this guide to decide what is right for you.
Comparison
From the basics to claims, buying guides to comparisons, our expert-backed articles make it simple, clear, and actionable.
Learn the ABCs of term insurance: what it is, why it matters, and how it works.
Step-by-step guidance on how your family can easily file and receive claim payouts.
Everything you need to know before buying: right cover amount, duration, and add-ons.
Simple tips to keep your policy active and problem-free throughout its lifetime.
Clear comparisons of plans, benefits, and costs so you can confidently pick the best.
Essential knowledge for Indians living abroad: buying, eligibility, and keeping loved ones secure.
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Quick calculators to find the right cover, premium, and term, so you never overpay or stay underinsured.
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Determine premiums across insurers, customize your parameters, and see instant comparisons.
- Compare premiums instantly
- Adjust for income and cover
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Stop guessing. Get the exact coverage you need by factoring in salary, loans, dependents, and future goals.
- Includes debt & lifestyle needs
- Income replacement analysis
- Covers long-term goals
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Get instant insights on coverage and costs. Compare multiple options and choose wisely.
We track the latest changes in the industry and break them down in plain English for you.
The Beginner’s Guide to Term Insurance: What 9/10 Indians Miss
Most people buy term plans blind – without checking tenure, riders, or claim rules. This guide strips away confusion and shows the 3 decisions that actually matter.
The Beginner’s Guide to Term Insurance: What 9/10 Indians Miss
Most people buy term plans blind – without checking tenure, riders, or claim rules. This guide strips away confusion and shows the 3 decisions that actually matter.
The Beginner’s Guide to Term Insurance: What 9/10 Indians Miss
Most people buy term plans blind – without checking tenure, riders, or claim rules. This guide strips away confusion and shows the 3 decisions that actually matter.
Budget 2025: Key Changes in Term Insurance Taxation
ke insurance more affordable and clarify tax implications, especially concerning Unit Linked Insurance
The Regulatory Future of Term Insurance in India: What IRDAI Hints At
Term insurance has long been a cornerstone of financial planning in India, offering
What IRDAI’s Push for Simpler Products Means for Buyers
Navigating the world of insurance has often been akin to deciphering a complex
From starting your career to securing your family’s future, our expert-led guides help you choose confidently by age and goal.
Term Insurance by Life Goals
Choose term insurance aligned with your specific life objectives
- Build protection early, at the lowest
- Mistakes to avoid when buying too little
- Best plans for new earners
- Build protection early, at the lowest
- Mistakes to avoid when buying too little
- Best plans for new earners
Term Insurance by Age
Choose term insurance aligned with your specific life
- Balancing home loans, children’s education.
- Picking the right tenure as retirement nears
- How much cover is “enough” in mid-life
Term Insurance in Your 20s & 30s
Choose term insurance aligned with your specific life objectives
- Build protection early, at the lowest premiums
- Best plans for new earners & young families
- Mistakes to avoid when buying too little cover
Term Insurance After 40
Choose term insurance aligned with your specific life objectives
- Balancing home loans, children’s education.
- Picking the right tenure as retirement nears
- How much cover is “enough” in mid-life
Senior Citizen & Late Entry Plans
Choose term insurance aligned with your specific life objectives
- Options if you start late or missed earlier
- What riders make sense at this stage
- Practical tips for disclosure & claim security
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Insurance documents are written to confuse. Our Policy Decoder translates them into simple, actionable language so you know exactly what you’re covered for—and what you’re not.
Smart Policy Analysis
Get a clear scorecard: what’s strong, what’s weak, and where you might be overpaying.
Plain English Translation
We rewrite your policy’s legal jargon into everyday language. No buzzwords, no traps. Just clarity.
Benefits Breakdown
See exactly what benefits you’re paying for—side by side with what you’ll actually get at claim time.
Exclusion Alerts
We highlight the hidden “conditions apply” clauses so you won’t be caught off guard later.
Decode Any Policy
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