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Is ₹1 crore really enough?
Your term cover should replace your income for the years your family depends on it, and clear your loans. Find your number in under a minute.
- Based on your income, age and loans
- Shows the gap in your existing cover
- Free shortlist of plans across insurers
- We compare claim records, not just premiums
How much term cover do you need?
Most people pick ₹1 Cr because it sounds right. Here's a number based on your life.
Your age
Who depends on your income?
Take-home or CTC, roughly
Home, car, personal loans
Term plans + employer life cover
A licensed family team in JaipurPolicyBench advisors are licensed, with 35+ years of combined experience. We earn your trust by getting your cover right, not by pushing a plan.
Beyond the number
What an advisor checks in a term plan
Claim record
How reliably the insurer pays life claims. In the end, this is what matters most.
Honest disclosure
Health and habit declarations done right, so your nominee isn't refused later.
Riders worth having
Critical illness, accidental death and waiver of premium, and the ones to skip.
Payout structure
Lump sum, monthly income or both, whichever suits your family.
MWP Act protection
Keeping the payout safe from creditors for your spouse and children.
Policy term
Cover until your dependants are independent, not just to 60.
FAQs
Questions people ask
Why not just take ₹1 crore?
For a ₹15 lakh income with a home loan, ₹1 crore can leave your family short. For someone with no dependents it may be more than needed. The right number depends on your life.
Should I count my employer's life cover?
Only partly. It ends when you leave the job, so it shouldn't replace a personal term plan.
When should I buy?
Earlier is cheaper. Premiums are fixed at the age and health you buy at.
Want a second opinion on your term plan?
Send us your policy. We'll check the cover, riders and nominee set-up.