Insurance

Insurance protects your family from financial shocks — and in India it is routinely mis-sold as an investment. The goal is adequate cover at a fair price: pure term insurance for life cover, health insurance for medical costs, and investments kept separate. These guides show you how much term cover your family actually needs, why bundled endowment and ULIP policies usually deliver both thin protection and weak returns, and how to buy right the first time. Size your own cover with the Term Cover Calculator.