Well, it depends on your income, expenses, and lifestyle needs. ₹1 crore may look sufficient today but there's a catch, inflation! What feels like enough right now may fall short 10–15 years down the line as prices rise. That’s why it’s better to calculate cover based on your future family expenses.

Absolutely! Think of it like walking onto a cricket pitch wearing only knee pads, without full protection, you’re still exposed. Employer cover, credit card insurance, or govt schemes are great, but having a term insurance policy gives your family a big payout to manage expenses and stay secure especially if you’re the breadwinner.

Yes. That’s because women tend to live longer than men. And if you live longer, the insurer perceives it as a lower risk, and charges a lower premium!

Yes, assuming that your existing life cover remains the same and you do not add any policy benefits (such as riders), your term insurance premium amount will not increase. It’s a promise from your life insurance company.

Your investments may give significant returns, but only in the long run and they need active management. If something happens to you, they may not be enough, or may not even materialise. Term insurance ensures your family is financially protected when you’re not around.