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A lot of people push off buying life cover because it’s just not a fun topic to think about, but putting it off is a massive mistake. If you want to make sure your family doesn’t struggle with home loans or daily expenses if something happens to you, finding the best term insurance in India needs to be on your immediate to-do list. The great thing about pure term plans is how ridiculously cheap they are if you lock them in while you are still in your late twenties or early thirties. You can easily get a one crore rupee cover for less than what you probably spend on ordering food every month. It’s honestly the purest form of financial protection because it doesn’t try to double up as a bad investment product. Just make sure you check the claim settlement ratio of the company before you buy, and never hide your smoking habits or medical history on the application form, because that will just lead to claim rejection later.

health insurance for parents Watching our parents get older is tough, and realizing how vulnerable they are to medical emergencies is even tougher. Medical costs are shooting through the roof, and relying on your corporate cover for them is a huge gamble since those limits are usually way too low. Getting dedicated health insurance for parents is non-negotiable if you want to protect your savings from being wiped out by a single hospital admission.