Indian family reviewing term insurance and financial documents together at home

Term Insurance: How Much Cover Do You Really Need?

Quick answer: Most professionals need term cover equal to 10–15 times their annual income, adjusted for outstanding loans, dependents, and existing investments. Use the HLV or DIME method below to get your exact number — a flat “₹1 crore for everyone” figure is rarely correct. Key Facts India’s life insurance protection gap is among the […]