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Money, explained simply

Short, jargon-free guides on insurance and investing — written for real decisions, not for selling. Read up, then get personal guidance from a licensed advisor — free.

Guide

What is term insurance

Term insurance explained simply: what it is, how it works, and why it's the cheapest way to protect your …

Guide

How much term cover do I need

Calculate how much term life cover your family needs in India: income, loans and goals method. Free term …

Guide

What is health insurance

Health insurance explained simply — how it covers hospital bills, what sum insured, co-pay and waiting pe…

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Health insurance for family in India

How to choose family health insurance in India: floater vs individual, how much cover, and what to check.…

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How to choose a health insurance policy

Step-by-step: how to choose the right health insurance policy in India — cover amount, features to check,…

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Term vs whole life insurance

Term insurance vs whole life / endowment / ULIP explained: cost, payout, and which suits you. Unbiased gu…

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What are mutual funds

Mutual funds explained for beginners in India: what they are, types, and how SIPs work. Start the right w…

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SIP vs lumpsum

SIP vs lumpsum investing in mutual funds: pros, cons, and which suits your situation. Free guidance from …

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ELSS tax saving mutual funds

ELSS funds explained: how they save tax under Section 80C, the 3-year lock-in, and who they suit. Free gu…

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How to start investing in mutual funds for beginners

Beginner's step-by-step to start investing in mutual funds in India — goals, KYC, SIP, and choosing funds…

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How much health insurance cover do I need

Work out the right health insurance sum insured for your family and city in India, and why under-insuring…

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Health insurance vs mediclaim

Health insurance vs mediclaim explained simply — coverage, limits and which suits you in India. Free guid…

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What is claim settlement ratio

Claim settlement ratio explained — what it means, why it matters when picking insurance in India, and how…

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Section 80D health insurance tax benefit

How Section 80D lets you save tax on health insurance premiums in India — limits, who qualifies, old vs n…

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How to file a health insurance claim

Step-by-step: how to file a health insurance claim in India — cashless vs reimbursement, documents, and m…

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Top-up vs super top-up health insurance

Top-up vs super top-up health insurance explained — how each works, the deductible, and which gives bette…

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What is a SIP

What is a SIP (Systematic Investment Plan)? How monthly investing in mutual funds works, benefits, and ho…

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How to choose term insurance

How to choose the right term insurance policy in India — cover, term, insurer, riders and disclosures. Fr…

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Can I have two health insurance policies

Yes — you can hold two health insurance policies in India. How claims work across both, and when it makes…

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Does term insurance cover accidental death

Does term insurance cover accidental death in India? Yes — and an accidental death rider can add more. Ex…

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What happens if I stop paying SIP

Stopping a SIP in India has no penalty — your units stay invested and you can pause or restart. Exactly w…

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Free look period in insurance

The free look period lets you cancel a new insurance policy for a refund within 15–30 days. How it works …

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Grace period in life insurance

The grace period gives you extra days to pay a missed life insurance premium without losing cover. How it…

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Health insurance waiting period

Health insurance waiting periods in India explained — initial 30 days, pre-existing diseases, specific ai…

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Can I port my health insurance

Health insurance portability in India: switch insurer while keeping your waiting-period credit. How and w…

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Nominee in term insurance

Who to name as nominee in your term insurance, why it matters, and how the MWP Act protects your spouse a…

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Best term insurance plan in India

Looking for the best term insurance plan in India? Forget rankings — here's the 5-point method to pick th…

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How much SIP for 1 crore

How much monthly SIP do you need for ₹1 crore in India? Exact numbers for 5, 10, 15 and 20 years, plus th…

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Emergency fund how much India

How big should your emergency fund be in India? The 3–6 month rule, where to keep it, and the mistakes th…

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Health insurance for senior citizens

Health insurance for senior citizens and parents in India: what to look for, waiting periods, co-pay trap…

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80C tax saving options

80C tax-saving options compared in India: ELSS, PPF, EPF, NSC, tax-saver FD — returns, lock-in and who ea…

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Term insurance riders

Term insurance riders explained: accidental death, critical illness, waiver of premium — which add real v…

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Term insurance for NRI

Can NRIs buy term insurance in India? Yes — rules, medical tests, premium payment and claim process expla…

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ULIP vs mutual fund

ULIP vs mutual fund in India: charges, lock-in, returns and insurance cover compared honestly. Which suit…

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Term insurance for salaried

Term insurance for salaried employees in India: why employer cover isn't enough, how much you need, and w…

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Step up SIP

Step-up SIP explained: how increasing your SIP 10% every year can cut years off your goals. With numbers.…

Disclaimer: Lightpost provides general information and connects you with a licensed advisor; it does not itself provide financial, insurance or investment advice. Insurance is the subject matter of solicitation. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance is not indicative of future returns. Calculators and examples are illustrative only.