Term Insurance vs ULIP: Which Is Better for Your Family in 2026?

July 25, 2026 • 15 minutes of reading • Leave a Comment

Direct Answer: For most Indian families, buying a pure term insurance policy and investing separately in mutual funds delivers better family protection and more efficient wealth creation than a ULIP. Term insurance provides maximum cover at the lowest cost; mutual funds provide low-cost, SEBI-regulated, flexible investment. This approach is called the “Buy Term + Invest […]

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Indian family reviewing term insurance and financial documents together at home

Term Insurance: How Much Cover Do You Really Need?

July 26, 2026 • 8 minutes of reading • Leave a Comment

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

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Disclaimer

Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. Before making an investment, please contact the investment expert at Deepak Wealth Framework for designing a portfolio that suits your needs. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.

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