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As online term plans have gained popularity, almost all the life
As indicated in my earlier post, IRDA claim settlement ratio might be an
Being in the business of financial advisory, I find many intelligent and
Term insurance policy pays out a fixed sum to your family on your death.
The amount of insurance depends on your personal situation. Generally, experts suggest a cash sum equal to ten times your annual income. you might want a term insurance just to cover for an amount that will provide for your family's future expenses like marriage of your children or their education.
This depends on lenth of your home loan or the duration cover ( beyound age 65 ) unless your situation demands the same.
Most insurance companies in india offer fixed premiums, so the price of cover remains fixed throughout the contract.
It is better to keep it simple. You can buy a separate critical illness or accidental insurance.