๐ก๏ธ Life & Term Insurance ยท HDFC Life
If your income stops, your family's life shouldn't.
A term plan is the cheapest promise you will ever make: a large sum for your family, for the price of a monthly restaurant bill. We help you pick the right cover amount, the right term, and fill the proposal honestly so the claim never gets questioned.
โ ๏ธ The mistakes we see every week
Cover of โน10โ25 lakh that "feels" big
A family spending โน50,000 a month exhausts โน25 lakh in about four years. Most earners need โน1 crore or more - and it costs less than people assume.
Endowment sold as "term + savings"
Mixing insurance with investment usually gives you too little of both. We'll show you the maths side by side before you decide.
Hidden facts in the proposal form
Smoking, health conditions, family history - hide them to save premium and you risk the entire claim. We fill the form with you, correctly.
๐ What we check before recommending
Our consultation covers all of this in one sitting:
- Cover amount from your income, loans, children's milestones - not a round number
- Policy term matched to your retirement age, not a default 30 years
- Riders that are worth it (and the ones that aren't)
- Claim settlement record and process of the insurer
- Existing LIC / older policies - keep, reduce or surrender, with honest maths
๐งพ What you can buy through us
Pure term plan
Maximum cover, minimum premium. The foundation of every family's protection.
Term with return of premium
Costs more for the same cover. We'll show you when it makes sense - usually it doesn't, and we say so.
Savings & guaranteed-return plans
For goals where a guaranteed, tax-efficient corpus matters more than maximum returns.
๐ฌ Term insurance, honestly answered
How much cover do I actually need?
A working thumb rule is 15โ20 times your annual income, plus outstanding loans, plus big future costs like children's education. Our calculator gives you a number in two minutes, and we refine it on a call.
Till what age should the policy run?
Roughly till your planned retirement - that's when the family stops depending on your income. Paying extra to be covered till 85 is usually wasted premium, and we'll show you why.
Will my claim be rejected?
Claims fail mainly for two reasons: facts hidden in the proposal, and lapsed premiums. We fill the proposal with you honestly and set up reminders - after that, a term claim is one of the most reliably paid products in insurance.
๐ Not sure what you need? That is exactly why we exist.
Send one WhatsApp message. We will ask a few simple questions, compare plans across insurers, and tell you honestly what fits - even if the answer is "you don't need this yet".