Get the cover and term right
Aim for 10–15× your income plus loans, and a term that lasts until your dependents are financially independent or you'd retire. Under-insuring is the most common mistake.
Not sure how this applies to you? A free call with Vijay Singh Rana sorts it out in minutes.
Pick a dependable insurer
Look at a consistent claim settlement ratio and complaint record more than a tiny premium difference — this policy has to pay when it matters most.
Be careful with riders and disclosures
Add only riders you truly need (like waiver of premium). Above all, disclose your health, income and habits honestly — non-disclosure is the top reason claims are rejected.
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Vijay Singh Rana — HDFC Financial Advisor · IRDAI & AMFI Registered
Frequently asked questions
Should I buy online or via an advisor?
An advisor makes sure the cover, term and disclosures are right — which matters more than a marginal price difference.
Do I need riders?
Only ones that fit your situation. The advisor explains which add real value for you.