Term Life
Pure protection for your family — high cover, low premium, income that continues.
Term life is the simplest promise: if something happens to you, your family's income continues — EMIs, rent, school fees and goals don't stall. We recommend 10–12× your annual income as cover, ideally till your youngest child is 23. Riders matter more than brochure gloss — add critical-illness to get a lump sum on diagnosis, and waiver-of-premium so the policy doesn't lapse while you're recovering. Underwriting is medical-light for most under 45; we arrange home sample collection.
Who it's for: salaried with home loan, parents with young children, business owners whose families service debt. Not for those seeking returns — this is protection, not investment.