Term Insurance

Pure life cover — maximum protection, lowest cost

Term insurance is the simplest, cheapest way to ensure your family is financially secure if you die. This guide covers everything — from understanding it to buying it right.

1Start Here
2Learn the Concepts
3Make a Decision
4Need Help
1Start Here
New to this topic? Begin here.

What is term insurance?

The financial replica concept, simply explained

Do I actually need it?

Who needs it, who doesn't

Why term beats endowment and ULIP

The honest comparison

2Learn the Concepts
Go deeper — one concept at a time.

How much cover do I need?

With the FD method calculator

How long should my policy run?

Riders explained — critical illness, waiver

Return of premium — is it worth it?

What causes claim rejection?

How does the claim process work for nominees?

3Make a Decision
Ready to compare, buy, or act?

I'm salaried

I'm self-employed

HLV, income proof, keyman

I'm a smoker

I'm an NRI

I'm a woman / housewife

Term insurance buying checklist

10 items

Plan comparison: top term plans 2026

Section 80C and 10(10D) — tax benefits

4Need Help
Rejected claim? Rights? Get help here.

My nominee doesn't know how to claim

The insurer is delaying my claim

Grievance and Ombudsman guide

Still confused?

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