Pure Protection. Maximum Cover. Minimum Cost.

A common rule is 10–15× your annual income. But we go deeper: total outstanding debt (home loan, car loan), your family's monthly expenses, years to retirement, and future financial goals like children's education. A 35-year-old earning ₹12 lakh/year with a ₹40 lakh home loan typically needs ₹1.5–₹2 Cr of cover.

For sum assured up to ₹50 lakh at younger ages (under 35), most insurers waive medical tests. Above that threshold or at older ages, a basic health check is required. The test is usually free, conducted at a lab near you, and results don't affect your premium unless a specific condition is flagged.

Term insurance covers you for a fixed period (say, 30 years) and pays out only if you pass away during that term. Premiums are very low. Whole-life policies combine insurance with a savings component — premiums are 5–8× higher. For most salaried families, a pure term policy is far more efficient because you invest the premium difference separately.

Yes. All major term policies cover global deaths regardless of location or cause (except policy exclusions like suicide in year one). Your nominee must submit the death certificate with an apostille stamp from the country where the death occurred, along with standard claim documents.

We guide the nominee through every step: gathering documents, submitting the claim to the insurer, following up on the claim status, and escalating to the IRDAI Grievance Cell if needed. We've helped families navigate claims without a single paid rupee to any intermediary.