May 05, 2026 · 5 min read
The needs-based calculation
Add your outstanding liabilities, the future cost of your children's education, and your family's annual expenses multiplied by the years until your youngest is independent. Subtract existing liquid assets and current cover. That gap is your sum assured.
Term, not endowment
Pure term plans buy the maximum cover per rupee of premium. Investment-linked insurance mixes two goals and usually does both poorly.
Disclose everything
Non-disclosure of health history, tobacco use or an existing policy is the most common cause of claim rejection. Full disclosure costs a slightly higher premium and buys certainty for your family.
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