Term vs Whole Life Insurance: Which Fits Your Life Stage?

Insurance isn’t one-size-fits-all—let’s match the right plan to where you are in life.

  • Term: Young earner’s best friend
    ₹1 crore cover for ₹15-20k yearly premium at age 30. Pure protection for dependents if you’re the sole breadwinner—no savings component needed.

  • Whole life: For 40+ with surplus cash
    Maturity benefits build corpus but premiums 5-8x higher. Great if you want insurance + forced savings for retirement.

  • Return-of-premium term
    Get all premiums back if you outlive policy—perfect compromise for budget families. Tenure aligns with kid’s marriage or home loan closure.

  • ULIP hybrid for growth lovers
    Insurance + equity markets = 8-12% potential returns. Review every 5 years as goals and income change.

Chat with us to crunch numbers for your exact situation—peace of mind starts here.

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