All guides

Individual life insurance premiums are GST-exempt from 22 September 2025. What changed for term, ULIP and endowment policies, group cover, and how to check a renewal.

How to protect your income against disability and serious illness in India using term plan riders, monthly payout options and personal accident cover, with rupee examples.

How life insurance works in India in 2026, what term plans, ULIPs and endowment policies cost and pay, and which GST, tax and IRDAI rules apply.

How PMJJBY life cover and PMSBY accident cover work in 2026, who can join, premiums, the lien period, how to claim, and how they fit with a term plan.

When life insurance death and maturity proceeds are tax-free in India, how the 10% rule and ₹2.5 lakh and ₹5 lakh premium limits work, TDS at 2%, and the 2025 Act.

Age, tobacco, health, income, cover, policy term, payment term and riders. How each one moves a term insurance premium, with present-value arithmetic.

Term plans, ULIPs and endowment policies compared on cover per rupee, returns, charges, lock-in, surrender and tax, with a worked 20-year rupee example.

Test buy-term-invest-the-rest against an endowment plan at 6%, 8% and 10% returns, with death-in-year-10 outcomes, where to invest the difference and the tax angle.

Compare term plans on premium, cover shortfall, policy term, riders, payout options and insurer claim data, with a three-quote worked example in rupees.

Calculate term insurance cover in India from expenses, loans, goals and savings, check it against income multiples and HLV, and pick a policy term, with rupee arithmetic.

Work out your human life value for term insurance in India using income, personal spending, salary growth and a discount rate, with the formula and a sensitivity table.

How Section 6 of the Married Women's Property Act, 1874 puts a term policy in trust for wife and children, keeps it from creditors, and what you give up.

Choose cover until 60, 65 or 75, regular or limited pay, annual or monthly premiums, and lump sum, monthly income or mixed payouts, with rupee examples.

What to check before and after buying a term plan in India, from disclosures and medical tests to income proof, nominee, free look and loan-linked policies.

Main reasons Indian life insurance claims are repudiated, how Section 45 of the Insurance Act limits rejections after three years, and how to challenge a rejection.

Documents needed for a life insurance death claim in India for natural death, accident, hospital death, death abroad and missing persons, plus fixes for common mismatches.

How to take a rejected or delayed life insurance claim to the Insurance Ombudsman in India, who can complain, the ₹50 lakh limit, one-year deadline and what happens next.

What happens when you miss a life insurance premium in India, how revival works, when to make a policy paid-up or surrender it, and the arithmetic for each choice.

How to make a life insurance death or maturity claim in India in 2026, step by step, the IRDAI settlement timelines, interest for late payment and where to escalate.

Spot mis-sold life policies in India, cancel within the free-look period, recognise fake bonus and refund calls, verify insurers and agents, and where to complain.

Who gets life insurance money in India: nominee, beneficial nominee or legal heir, how Section 39 nomination and Section 38 assignment work, and mistakes that delay claims.