Life Insurance, Explained Honestly
Life insurance is a category, not a product, and most of it is savings wearing a protection label. What each type actually pays, and how to work out the return before you sign.
Types of Life Insurance in India
The seven product families, sorted by whether the payout is guaranteed, bonus-dependent or market-linked.
Read guideHow to Read a Benefit Illustration
Every savings policy comes with one, and it holds the number the pitch leaves out. Work out what a plan actually returns.
Read the guideAll Life Insurance Articles5 articles
Bajaj Life Assured Wealth Goal Review: 3.72x is 6%
The brochure headlines 3.72 times your money. Run the same figures as an annual rate and it is about 6%. A review from Bajaj Life's own filed documents.
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Benefit Illustration: How to Find Your Real Return
Every savings policy comes with a benefit illustration, and it holds the one number the sales pitch leaves out. How to read it and compute your actual return.
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Life Insurance vs Term Insurance: The Real Difference
Term insurance is a type of life insurance, not an alternative to it. What the category actually contains, and which part of it you are being sold.
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Tata AIA Fortune Guarantee Plus Review: 3x is 5.75%
The brochure shows ₹10 lakh in and ₹30.13 lakh out. As an annual rate that is 5.75%. A review built from Tata AIA's own filed brochure and CIS.
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Types of Life Insurance in India: All 7 Explained
Term, endowment, money-back, whole life, ULIP, guaranteed savings and annuity plans. What each one actually does, what it costs, and who each is built for.
Read articleNot sure how much cover you need?
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