Why Term Insurance Is the One Product You Must Get Right
What term insurance is, who needs it, and the 2026 zero-GST change that makes it cheaper.
Term vs Everything Else
Why not endowment, money-back or ULIP — the maths behind 'buy term and invest the difference'.
How Much Cover You Actually Need
The Human Life Value method, a worked example, and a fill-in worksheet to size your own cover.
How Long Your Cover Should Run
Matching the term to your longest liability, and the two-cover approach for high cover at lower cost.
The Claim Numbers That Matter
CSR by number and by amount, solvency, settlement speed — and why there is no official 'term insurance CSR'.
What You Will Really Pay, by Age
Indicative premiums from 25 to 45, the smoker loading, and how to lower your premium without cutting cover.
Riders — Which to Add, Which to Skip
Accidental death, critical illness, waiver of premium, income benefit and return-of-premium, compared.
The 2026 Tax Picture and the Zero-GST Change
The tax-free payout, the premium deduction under Section 123 of the Income-tax Act, 2025, and the GST cut.
Filling the Proposal Form So Your Claim Is Never Rejected
Disclose everything, know your Section 45 protection, and keep the paperwork your family will need.
The Medical and Underwriting
What to expect from the medical, why a loading is not a rejection, and the suicide exclusion explained.
Buying Online vs Through an Agent
Where you save money, where you avoid mis-selling, and the traps to watch for.
Common Mistakes and Claim-Rejection Traps
The seven mistakes that hurt most, and what to do instead at every life event.
Your Action Plan and Worksheets
A 10-step plan, an insurer comparison worksheet, and a printable pre-purchase checklist.
