Parivar Kavachhttp://localhost:4173/Term life insurance in India explained with the arithmetic: how much cover you need, term vs ULIP vs endowment, GST and tax on payouts, MWP Act, IRDAI claim rules and the Ombudsman.en-IN Buy term and invest the rest: does it beat an endowment policy? The arithmetichttp://localhost:4173/cover-calculations/buy-term-invest-the-rest/http://localhost:4173/cover-calculations/buy-term-invest-the-rest/Sun, 25 Oct 2026 00:00:00 GMTTest 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. Why life insurance claims are rejected: non-disclosure, Section 45 and how to respondhttp://localhost:4173/claims-and-sources/claim-rejection-non-disclosure-section-45/http://localhost:4173/claims-and-sources/claim-rejection-non-disclosure-section-45/Sun, 25 Oct 2026 00:00:00 GMTMain 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. How to compare term insurance quotes in India like for like (worked example)http://localhost:4173/cover-calculations/compare-term-insurance-quotes/http://localhost:4173/cover-calculations/compare-term-insurance-quotes/Sun, 25 Oct 2026 00:00:00 GMTCompare term plans on premium, cover shortfall, policy term, riders, payout options and insurer claim data, with a three-quote worked example in rupees. Life insurance death claim documents: the complete list for natural, accidental and other caseshttp://localhost:4173/claims-and-sources/death-claim-documents/http://localhost:4173/claims-and-sources/death-claim-documents/Sun, 25 Oct 2026 00:00:00 GMTDocuments 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. GST on life insurance from 22 September 2025: term, ULIP and endowment premiumshttp://localhost:4173/costs-and-rules/gst-exemption-life-insurance/http://localhost:4173/costs-and-rules/gst-exemption-life-insurance/Sun, 25 Oct 2026 00:00:00 GMTIndividual 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 much term insurance cover do I need? The expense method with a worked examplehttp://localhost:4173/cover-calculations/how-much-term-insurance-cover/http://localhost:4173/cover-calculations/how-much-term-insurance-cover/Sun, 25 Oct 2026 00:00:00 GMTCalculate 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. Human life value (HLV) calculation for term insurance: a step-by-step worked examplehttp://localhost:4173/cover-calculations/human-life-value-worked-example/http://localhost:4173/cover-calculations/human-life-value-worked-example/Sun, 25 Oct 2026 00:00:00 GMTWork 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. Income protection in India: disability, critical illness and waiver of premium ridershttp://localhost:4173/costs-and-rules/income-protection-riders-disability/http://localhost:4173/costs-and-rules/income-protection-riders-disability/Sun, 25 Oct 2026 00:00:00 GMTHow 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. Insurance Ombudsman for life insurance complaints: ₹50 lakh limit, steps and timelineshttp://localhost:4173/claims-and-sources/insurance-ombudsman-life-insurance/http://localhost:4173/claims-and-sources/insurance-ombudsman-life-insurance/Sun, 25 Oct 2026 00:00:00 GMTHow 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. Lapsed life insurance policy: grace period, revival, paid-up value and surrender explainedhttp://localhost:4173/claims-and-sources/lapsed-policy-revival-surrender/http://localhost:4173/claims-and-sources/lapsed-policy-revival-surrender/Sun, 25 Oct 2026 00:00:00 GMTWhat 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. Life insurance claim process in India: steps, IRDAI timelines and interest for delayhttp://localhost:4173/claims-and-sources/life-insurance-claim-process-timelines/http://localhost:4173/claims-and-sources/life-insurance-claim-process-timelines/Sun, 25 Oct 2026 00:00:00 GMTHow 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. Life insurance in India explained: term plans, savings policies and the 2026 ruleshttp://localhost:4173/costs-and-rules/life-insurance-india-explained/http://localhost:4173/costs-and-rules/life-insurance-india-explained/Sun, 25 Oct 2026 00:00:00 GMTHow 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. Life insurance mis-selling, free-look cancellation and fake 'IRDAI' calls: how to protect yourselfhttp://localhost:4173/claims-and-sources/mis-selling-free-look-fake-calls/http://localhost:4173/claims-and-sources/mis-selling-free-look-fake-calls/Sun, 25 Oct 2026 00:00:00 GMTSpot 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. MWP Act term insurance: how a Married Women's Property Act policy protects the payouthttp://localhost:4173/cover-calculations/mwp-act-term-insurance/http://localhost:4173/cover-calculations/mwp-act-term-insurance/Sun, 25 Oct 2026 00:00:00 GMTHow 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. Life insurance nominee vs legal heir: Section 39 nomination, beneficial nominees and assignmenthttp://localhost:4173/claims-and-sources/nominee-legal-heir-assignment/http://localhost:4173/claims-and-sources/nominee-legal-heir-assignment/Sun, 25 Oct 2026 00:00:00 GMTWho 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. PMJJBY and PMSBY explained: ₹2 lakh government life and accident coverhttp://localhost:4173/costs-and-rules/pmjjby-pmsby-explained/http://localhost:4173/costs-and-rules/pmjjby-pmsby-explained/Sun, 25 Oct 2026 00:00:00 GMTHow 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. Term plan options: policy term, payment term, monthly vs annual premium and payout choiceshttp://localhost:4173/cover-calculations/policy-term-premium-payment-payout-options/http://localhost:4173/cover-calculations/policy-term-premium-payment-payout-options/Sun, 25 Oct 2026 00:00:00 GMTChoose 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. Tax on life insurance payouts: death benefit, maturity, ₹5 lakh rule and TDShttp://localhost:4173/costs-and-rules/tax-on-life-insurance-maturity-death-benefit/http://localhost:4173/costs-and-rules/tax-on-life-insurance-maturity-death-benefit/Sun, 25 Oct 2026 00:00:00 GMTWhen 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. Term insurance buying checklist: proposal form, medicals, documents and loan-linked coverhttp://localhost:4173/cover-calculations/term-insurance-buying-checklist/http://localhost:4173/cover-calculations/term-insurance-buying-checklist/Sun, 25 Oct 2026 00:00:00 GMTWhat 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. What decides your term insurance premium in India (and what you can change)http://localhost:4173/costs-and-rules/term-insurance-premium-factors/http://localhost:4173/costs-and-rules/term-insurance-premium-factors/Sun, 25 Oct 2026 00:00:00 GMTAge, tobacco, health, income, cover, policy term, payment term and riders. How each one moves a term insurance premium, with present-value arithmetic. Term vs ULIP vs endowment: which life policy fits your goal?http://localhost:4173/costs-and-rules/term-vs-ulip-vs-endowment/http://localhost:4173/costs-and-rules/term-vs-ulip-vs-endowment/Sun, 25 Oct 2026 00:00:00 GMTTerm plans, ULIPs and endowment policies compared on cover per rupee, returns, charges, lock-in, surrender and tax, with a worked 20-year rupee example.