Term Insurance

A term plan that looked sufficient a few years ago may no longer match today’s income, loans, or family responsibilities.

Term insurance riders explained: Which ones actually protect you and which you can safely skip

A clear look at add-ons that strengthen a pure term plan versus riders that quietly inflate premiums without improving real-world outcomes

How much term insurance do you really need in 2025: Why most middle-class families are still underinsured

A clear look at how much protection a typical household needs today and how older insurance covers have quietly lost value because of rising costs and inflation.

Term insurance in 2025: The riders worth paying for — and the ones you don’t really need

A practical guide to choosing only the add-ons that genuinely improve your cover.

Term vs traditional life insurance: what’s the real difference?

Both protect your family, but how they work — and how much they cost — is very different.

How to buy the right term insurance: Key features and riders you must know

A simple and inexpensive product, term insurance provides your loved ones with financial security, but wise choice is the key.

Life insurers grapple with post-Covid mortality spike, see 25% decline in insurance coverage

Mortality rate for insurers such as HDFC Life, ICICI Prudential and SBI Life is higher than the Covid-19 peak

Go Digit Life Insurance reports 719% increase in claims payouts, group term category leads surge

In total, Digit Life settled 15,596 claims this fiscal year, up from 602 in FY24

Term insurance purchases by self-employed surge 58% in FY25

Policybazaar data reveals over Rs 1-crore cover gaining traction among Gen z and Millennial entrepreneurs

Married Women’s Property Act: What’s hers, stays hers

The MWP Act must be invoked at the time of buying a new life insurance policy; it cannot be retroactively applied

Here's why you don't need term insurance beyond your working years

For those who do not have liabilities or yet-to-be-discharged responsibilities, a term insurance cover with a tenure extending late into 60s or 70s is not required, though life insurance companies do offer long-term policies

Is the 10-times-annual-income thumb rule for determining the right term life cover the best for you?

Term Insurance: A simple method of estimating the minimum amount of life insurance cover needed, the thumb rule is often cited by individuals and experts. However, it is best if you take several parameters—your income, assets, liabilities, dependants’ needs, goals and financial status.

Top life insurers likely hiked term life premium, rest to follow suit: CNBC-TV18

Inflation adjustment, rising tier II and II coverage where the risk profiling is seen higher, along with higher reinsurance premiums are believed to be among the key reasons behind the hike in term insurance premium.

Invest Wise | Term insurance for long-term goals: How much is enough?

A policyholder must aggregate the funding needs of all his goals and then arrive at how much he needs to insure for. Each individual will have different needs and thresholds, according to which his premium outgo and sum insured will vary.

Self-employed now find it easier to buy term insurance, says Policybazaar study

In a departure from the past, term insurance issuance to the self-employed has gone up; Policybazaar internal sales data showed an increase of 25 percent between July 2021 to September 2023.

GST refund on premiums makes term insurance more attractive for NRIs

The 18 percent refund should sweeten the deal for expat Indians seeking to secure their families back home.

Helping dependents track down term insurance details for filing a claim

The moment when one needs term insurance will most likely come unannounced, so it’s better to be equipped with knowledge, regardless of whether you need it or not.

LIC launches Jeevan Kiran, a return-of-premium term life insurance policy

Under the policy, policyholders will get back the total premium, if they survive the term, they paid under the policy not including any extra premium, rider premium or taxes paid.

Looking to buy a term insurance policy? Calculate your Human Life Value (HLV) first

Buying a term life insurance policy is the decision of a lifetime. So, it’s important that the amount arrived at is correct. Human life value (HLV) is one of the methods of computing the right cover amount.

Is your life insurance maturity amount always tax-free?

Section 10 (10D) of the Income-tax Act decides whether the maturity proceeds of your life insurance policy will be tax-free or not.

Moneycontrol Daily: Your Essential 7

A daily round-up of the most interesting articles to help jump-start the day.

5 common mistakes to avoid while buying term insurance

Term insurance is for your family’s long-term financial security. Make sure you avoid these mistakes while buying the cover

Three reasons why you must consider buying term insurance, even if you are single

A term life policy is as valuable for singles as for those married and with children. It will cover your liabilities, and ensure your dependents have financial protection in your absence.

Should you revive your old term insurance policy or buy a new one?

The best option is always to ensure that your policy remains active and the premiums are paid on time. If, for some reason, your policy lapses, get yourself covered again as soon as possible.

Securing a home loan liability: Home loan insurance or term policy?

The main difference is that home loan insurance covers property, while a term policy covers a person’s life