Why term insurance comes first
If anyone depends on your income, term insurance replaces it if you're gone — for a surprisingly small premium. It's the foundation of any sound financial plan, before investments.
How the advisor helps
The advisor calculates how much cover you actually need (based on income, loans and goals), explains term vs traditional plans honestly, and makes sure your application is filled correctly so claims aren't rejected later.
What you'll walk away with
- The right sum assured for your family
- An honest view of term vs whole-life/ULIP
- Correct, complete disclosures to protect your claim
- Cover that lasts as long as your family needs it
Talk it through with Vijay Singh Rana
Free, no obligation. Get options tailored to your situation.
FAQs
How much term cover do I need?
A common guide is 10–15× your annual income plus loans and goals. The advisor gives you a precise number.
Is term or a savings plan better?
For most people, term for protection plus separate investing gives more cover and better growth. The advisor explains what fits you.
When should I buy?
As early as possible — premiums are lower when you're young and healthy.