Free guides, insurer and product reviews, data-backed insights, and easy-to-use tools to help you make the right choice.
Figure out what you need before talking to anyone
Upload your policy PDF and get a plain-English breakdown of what's covered, what's not, and what to watch out for.
Try NowEstimate your term insurance premium based on age, coverage, and lifestyle.
Try NowFind out exactly how much term cover your family needs, adjusted for inflation.
Try NowScore your family's financial safety net and see where the gaps are.
Try NowTake a 2-minute quiz to find out if you're truly ready for the unexpected.
Try NowBrowse plans tailored to your life stage and needs
Young professionals and new parents — lock in low premiums early.
Explore Plans👨👩👧👦Mid-career families with growing responsibilities and expenses.
Explore Plans🧓Coverage options for those in their 50s and 60s approaching retirement.
Explore Plans✈️Indians living abroad who want to protect family back home.
Explore Plans💎High-value coverage for high-income professionals and business owners.
Explore Plans⚠️Smokers, tobacco users, and those with pre-existing conditions.
Explore PlansDeep-dive into every aspect of term insurance
Understand what term insurance is, how it works, and why every Indian family needs one.
Step-by-step guides to buying term insurance online or offline — no jargon, no confusion.
Term vs endowment, ULIP, money-back — see how term insurance stacks up against every alternative.
Everything you need to know about filing claims, required documents, and getting payouts.
Keep your policy active — lapse & revival, grace periods, premium holidays, and more.
Comprehensive guide to buying and managing term insurance from abroad as an NRI.
Where do LIC, HDFC Life, ICICI Pru, and SBI Life actually earn their money? Six years of product mix data from investor presentations, with VNB margins.
Analysis, opinion, and real cases from the insurance world
LIC’s 61st month persistency dropped from 63.1 to 59.3 percent in FY26. Three of four listed private insurers saw the same ratio fall. Between 36 and 45 percent of policies sold five years ago have lapsed.
59.1% of life insurance court disputes (994 cases) involve non-disclosure of medical history. It is the single most common reason insurers reject death claims. Your policy is most vulnerable in the first 2-3 years. Of 10 court cases with computable dates, 9 deaths occurred within 2 years of buying the policy. After 36 … Read more
Latest from the world of term insurance in India
Home loan insurance adoption jumped nearly seven-fold in five months. But credit life cover shrinks as you repay and pays the bank, not your family. Here’s how it compares with term insurance, and why loan cover alone isn’t enough.
IRDAI has asked insurers to define “claim” and standardise claim settlement ratio. The answer matters for every term insurance buyer comparing CSRs.
100% FDI, Bima Trinity, zero GST, and a distribution reform crackdown. Every 2026 insurance reform explained with what it means for you.
