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Premium Factors, Plan Types and 2026 Rules
- GST on life insurance from 22 September 2025: term, ULIP and endowment premiums
- Income protection in India: disability, critical illness and waiver of premium riders
- Life insurance in India explained: term plans, savings policies and the 2026 rules
- PMJJBY and PMSBY explained: ₹2 lakh government life and accident cover
- Tax on life insurance payouts: death benefit, maturity, ₹5 lakh rule and TDS
- What decides your term insurance premium in India (and what you can change)
- Term vs ULIP vs endowment: which life policy fits your goal?
Cover Calculations and Buying Checklists
- Buy term and invest the rest: does it beat an endowment policy? The arithmetic
- How to compare term insurance quotes in India like for like (worked example)
- How much term insurance cover do I need? The expense method with a worked example
- Human life value (HLV) calculation for term insurance: a step-by-step worked example
- MWP Act term insurance: how a Married Women's Property Act policy protects the payout
- Term plan options: policy term, payment term, monthly vs annual premium and payout choices
- Term insurance buying checklist: proposal form, medicals, documents and loan-linked cover
Claim Mistakes, Complaints and Official Sources
- Why life insurance claims are rejected: non-disclosure, Section 45 and how to respond
- Life insurance death claim documents: the complete list for natural, accidental and other cases
- Insurance Ombudsman for life insurance complaints: ₹50 lakh limit, steps and timelines
- Lapsed life insurance policy: grace period, revival, paid-up value and surrender explained
- Life insurance claim process in India: steps, IRDAI timelines and interest for delay
- Life insurance mis-selling, free-look cancellation and fake 'IRDAI' calls: how to protect yourself
- Life insurance nominee vs legal heir: Section 39 nomination, beneficial nominees and assignment