All Insurance News and Plans

  Life insurance has become a crucial component of financial planning in India. Understanding what is life insurance premium is essential for anyone considering a policy. Simply put, a life insurance premium is the amount that a policyholder pays regularly to keep their insurance policy active. This payment ensures that in the event of the policyholder’s demise, their beneficiaries receive the sum assured. In recent years, digital insurers have introduced competitive and often lower premium quotes, revolutionising how customers purchase life insurance. Understanding life insurance premium A life insurance premium is the cost that an individual pays, either monthly, quarterly, half-yearly, or annually, to an insurance company in return for life coverage. The premium is determined based on several factors including the policyholder’s age, health, occupation, sum assured, and policy tenure. The premium can be classified into: - Level premium: Same amount is paid throughout the policy...

  A unit linked pension plan is gaining attention in 2026  as retirees and young earners look for options that offer both long-term growth and retirement security. Unlike traditional pension plans that provide fixed returns, unit-linked pension products invest in market-linked funds, creating the potential for higher corpus accumulation over time. Market-linked growth for stronger retirement readiness The strongest appeal of a unit linked pension plan is its participation in equity, hybrid or debt markets. These plans benefit from long-term compounding, giving investors the opportunity to build a larger retirement corpus compared to fixed-income pension schemes. Younger investors, in particular, can benefit from decades of market participation. Flexibility not found in traditional pensions Traditional retirement products often lock investors into fixed structures, but a unit linked pension offers flexibility through fund switching, adjustable premiums and optional top-ups....

  A unit linked insurance plan (ULIP) continues to be a debated financial product in 2026. While some investors appreciate its combination of insurance protection and market-linked growth, others question whether the charges and risks outweigh the benefits. To decide if a ULIP is worth your money, it is important to understand how it works and what it offers. Dual benefit makes ULIPs attractive The strongest appeal of a unit linked insurance plan is that it provides both life insurance cover and investment growth through equity, debt or hybrid funds. This dual structure encourages disciplined savings and long-term wealth creation, making ULIPs suitable for goals like retirement planning, children’s education or wealth accumulation. Transparency improved, but charges still matter ULIPs have become more transparent due to regulatory changes that cap charges and simplify fee structures. However, fund management fees, mortality charges and policy administration costs still impact ret...

  In 2026, interest in ULIP plans continues to rise as investors seek products that combine life cover with market-linked growth. While ULIPs have become more transparent and customer-friendly, certain aspects still tend to be overlooked or underemphasised in marketing materials. Understanding these details can help investors make informed decisions and avoid unexpected surprises. Not all charges are highlighted upfront Insurers often advertise reduced allocation charges or low fund management fees, but other deductions—such as mortality charges, policy administration fees and discontinuance charges—also affect long-term returns. These costs accumulate over the policy term and can significantly influence the maturity amount. Reviewing the full charge structure ensures clarity beyond promotional highlights. Returns depend on investor behaviour One misconception is that ULIP plans guarantee high returns. In reality, performance depends on fund choices and market conditions. Investo...

  A unit linked insurance plan calculator has become an essential tool for investors evaluating ULIPs in 2025. With clearer charge structures, dynamic fund options and improved digital access, ULIPs are regaining popularity. However, understanding projected returns and charges is crucial before investing. A calculator helps investors analyse realistic growth patterns rather than relying solely on marketing claims. Understanding projected returns The primary use of a unit linked insurance plan calculator is to estimate future fund value based on expected returns, premium amount, policy tenure and fund type. While calculators may display optimistic projections, they also show conservative returns to help set realistic expectations. Investors can compare scenarios to understand how long-term compounding affects the maturity amount. Evaluating charges accurately ULIPs include charges such as fund management fees, policy administration costs, mortality charges and premium allocation fe...

Understanding the different types of ULIP is crucial for young investors looking to build wealth while enjoying insurance protection. In 2025, ULIPs have evolved with clearer charges, flexible fund options and digital management features. Each variant serves a unique investment style, making it important to align the plan with long-term financial goals. Equity ULIPs for aggressive growth Among the most popular types of ULIP , equity-focused plans invest primarily in stocks. They are ideal for young investors with higher risk tolerance and long investment horizons. Equity ULIPs aim to deliver strong long-term returns, especially when markets perform well. However, they also come with higher volatility, requiring patience and a disciplined investment approach. Balanced or hybrid ULIPs for moderate risk Hybrid ULIPs combine equity and debt investments, offering a balance between growth and stability. These plans are suitable for investors who want moderate risk exposure without fully rel...

  A term policy features list often appears straightforward, but in 2025 several details deserve closer attention. While term insurance remains the most affordable way to secure high coverage, many policyholders overlook important conditions, exclusions and optional benefits that significantly affect the actual protection their families receive. Understanding these overlooked features can help buyers avoid future claim issues. Free-look period limitations Most people know about the free-look period, but few realise how quickly it expires. Buyers usually have only fifteen days to review the policy and request changes or cancellation. Missing this window means being locked into terms they may not fully understand. Reviewing all term policy features during this period is essential, especially for first-time buyers. Exclusions and waiting periods Every term policy includes exclusions, such as non-disclosure of health conditions, suicide clauses and certain high-risk activities. Some p...

  A term policy might be one of the simplest financial products, but in 2025 it has become a major trend among young professionals, new parents and even senior buyers. Rising financial uncertainty, medical inflation and increased awareness about long-term risk protection have pushed more people to reconsider the importance of straightforward, high-coverage term insurance . Affordable coverage in an expensive world The biggest reason for the surge is affordability. With living costs and health expenses rising sharply, families want dependable financial protection without heavy premiums. A term policy offers high coverage at a fraction of the cost of savings-linked insurance products. This affordability allows even young earners to secure meaningful protection early in their financial journey. Growing trust due to improved claim processes Over time, insurers have strengthened digital claim systems, automated verification and improved customer service. The faster and more transparent ...

As financial needs evolve rapidly in 2026, reviewing your term insurance policy has become more important than ever. Many policyholders purchase a plan early in their careers and rarely revisit it, unaware that life changes can make the original coverage insufficient. To ensure your policy remains effective, it must be updated to match today’s financial realities. Check if your coverage amount still fits your needs An outdated coverage amount is one of the most common gaps in a term insurance policy. If your income has increased, new liabilities added or dependants grown in number, your sum assured may need to be raised. Rising education costs, medical inflation and lifestyle expenses mean that the standard one-crore cover may no longer be adequate for many families in 2026. Review policy riders and add-ons Riders play a crucial role in strengthening your term insurance policy . Critical illness covers, premium waiver options and accidental disability riders provide additional support ...