About

Parivar Kavach is an independent information site about term life insurance and income protection in India. It is written for salaried and self-employed people, homemakers and parents who want to make sure their family would keep its income, home and plans if they died or became disabled.

The guides explain how life policies are priced, how term plans compare with ULIPs and endowment policies, how to calculate a sensible cover amount, how GST and income tax apply to premiums and payouts, and how claims, complaints and the Insurance Ombudsman work. Every calculation is shown step by step, and examples with rupee amounts are labelled as illustrative: they are not quotes from any insurer.

We do not sell insurance, rank insurers or receive commissions on policies. We do not cover health insurance, motor insurance or retirement products in depth. Rules change, so each guide links to the official source to check: IRDAI, the Council for Insurance Ombudsmen, the Income Tax Department, the GST Council and the Jan Suraksha portal.

This site is general information, not financial, tax or legal advice. For decisions involving large sums, business interests, non-resident status or a disputed claim, consult a qualified professional such as a fee-only financial planner, a chartered accountant or a lawyer.

How this site is made

Parivar Kavach is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.