Do I need a medical check-up to buy life insurance?

It depends on the policy and your age. InsurDeck can recommend plans with minimal requirements if needed.

Can insurance cover my spouse and children?

Yes, certain plans allow you to cover your spouse and children under a single policy. Ask us for the right fit.

How do I compare products like term, ULIP, and whole life?

Our advisors help you compare benefits, costs, and suitability for your goals in a jargon-free chat.

Are life insurance premiums tax-deductible?

Yes, premiums for qualified plans enjoy tax benefits under Section 80C. InsurDeck can help you maximize savings.

Can I switch my life insurance to another company?

Portability is available for certain plans. We guide you in maintaining benefits while switching providers.

Because Their Dreams Shouldn’t Stop With You

Your needs. Your priorities. Your peace of mind—secured by real experts who put people first.

Get Free Life Insurance Advice

WHAT ARE YOU PROTECTING?

My Family’s Monthly Expenses

Ensure your family maintains their lifestyle even when you’re not there to provide

My Spouse’s Future

Leave behind financial dignity, not financial stress

My Business Obligations

Secure loans, partners, and family interests with the right coverage

My Child’s Education

From school to college, guarantee their future doesn’t pause because you’re not around.

My Retirement Goals

Use life insurance to blend protection with long-term savings and income

Aging Parents’ Support

Make sure they’re cared for — even in your absence

Whole Life Insurance

Covers your entire life and builds guaranteed cash value

✅ Lifetime protection till 99 or 100 years
✅ Builds savings over time
✅ Useful for estate planning

❌ Premiums are higher
❌ Less flexible than other plans

🟠 Great for leaving behind a tax-free inheritance

Not sure which life plan suits you best?

We’ll explain your options in plain language

Book a Free Consultation

⚠️ Top Mistakes

Why It’s Risky

Leaves your family under-protected in real emergencies.

Choosing low coverage just to save premium

How InsurDeck Helps

We calculate ideal coverage based on income, loans & dependents.

Why It’s Risky

Claims can be rejected for things you didn’t notice.

Not reading exclusions or waiting periods

How InsurDeck Helps

We decode fine print and flag red zones.

Why It’s Risky

Premiums shoot up with age or health issues.

Delaying buying till your 30s or 40s

How InsurDeck Helps

We help you lock in low premiums early.

Why It’s Risky

ULIPs and endowment plans aren’t always right for everyone.

Mixing insurance and investment

How InsurDeck Helps

We tell you when to go pure term, and when not to.

"Personalized advice, not product pushing.
Your best interest — always first"

Protection That Grows With You

Life insurance isn’t one-size-fits-all. We guide you in choosing plans that safeguard your family today and adapt to your changing responsibilities over time.

Secure Your Family’s Future

Our recommendations focus on ensuring your loved ones remain financially secure, whether it’s covering education costs, paying off loans, or maintaining daily living expenses.

Tax-Smart Wealth Planning

Get life insurance plans that not only protect your family but also help you save taxes under Sections 80C & 10(10D), building long-term financial efficiency.

Still Debating Term vs ULIP? Let’s Settle It Today.

Get My Free Life Insurance Match

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Schedule a Call With an Advisor

Father reading to daughter symbolizing life insurance security for loved ones

Get Your Free Life Insurance Quote

Explore life insurance plans that secure your loved ones with the right coverage at the right time.

Decode Life Insurance with InsurDeck

“How much life insurance cover is enough?” is the most urgent and practical question we hear at InsurDeck.

The truth: there’s no universal answer – it depends on your income, loans, family responsibilities, and future goals. A quick calculation can save your family from being under-protected or you from overpaying.

Here’s what you should know before deciding:

A simple thumb rule: 10–15 times your annual income + any existing loans = ideal life cover.

Example: If you earn ₹10 lakh per year and have a ₹30 lakh home loan → you should ideally aim for a ₹1.5–2 crore cover.

In India, education and healthcare inflation is rising 10–12% yearly – a smaller cover today may not be enough tomorrow.

Term plans offer the highest protection at the lowest premium – they’re pure safety nets, not investments.

IRDAI rules make claims safer: after 3 years of policy issuance, insurers cannot reject claims except in proven fraud cases.

Buying early locks in lower premiums for life – delaying makes it costlier.

💡 Think of life insurance like building a safety net under a trapeze. The higher you climb (income, loans, goals), the stronger and wider the net you need – so your family doesn’t fall through.

👉 At InsurDeck, we help you calculate your ideal cover amount based on your income, lifestyle, and city – so you pay only what’s needed, nothing extra.

📦 Did You Know?

Life insurance payouts are completely tax-free under Section 10(10D) of the Income Tax Act.

Chat with an advisor to check if your current cover is enough

"Should I buy a term plan or a money-back/endowment plan?” is one of the biggest confusions we clear for clients at InsurDeck.

The truth: both are called life insurance, but they work very differently. One is a safety net (term plan), the other is a savings product with some insurance (endowment, ULIPs, money-back). Mixing them often leads to paying more but getting less protection.

Here’s what you should know before deciding:

Term Insurance = Pure Protection. Highest cover at the lowest premium.

Endowment / Money-Back Plans = Insurance + savings. Safer than stock market, but returns are usually 4–6% only.

ULIPs = Mix of insurance + investment in equity/debt. Higher risk, but returns depend on market performance.

For the same ₹15,000 yearly premium:

Term Plan could give your family ₹1 crore cover.

Endowment/Money-back might give only ₹10–15 lakh cover plus modest returns.

IRDAI requires insurers to clearly disclose “Illustration Benefit” values so customers know actual returns before buying.

💡 Think of term insurance like a fire extinguisher. Cheap, simple, life-saving. Traditional plans are like buying a gold-plated extinguisher – costlier, decorative, but not the most efficient for protection.

👉 At InsurDeck, we compare plans side by side so you see real numbers, not just brochures – making your decision clear and stress-free.

📦 “Quick Tip: Always secure your family’s protection with a term plan first. Investments can always be built separately.

Talk to an Advisor Before You Mix Insurance & Savings

“What if my family’s claim gets rejected?” is the biggest fear most people share with us at InsurDeck.

The truth: claims are far more secure today, thanks to IRDAI’s strict rules. If you’re honest while buying the policy, your family’s claim is highly unlikely to be rejected.

Here’s what you should know before deciding:

Always check an insurer’s Claim Settlement Ratio (CSR) – IRDAI publishes it every year. A CSR above 95% is a strong sign of reliability.

Since 2015, IRDAI’s 3-year rule protects policyholders: once a policy is in force for 3 continuous years, insurers cannot deny a claim (except in fraud cases).

Claims are now cashless or paperless in many cases, making payouts faster.

Keep nominee details updated – many rejections happen simply because of outdated records.

Non-disclosure = risk. If you smoke, drink, or have an existing illness, declare it. Otherwise, claims may be questioned.

💡 Think of claim settlement like an emergency rope. You hope never to use it, but when needed, you want it strong and reliable. That strength comes from choosing the right insurer and being truthful in your application.

👉 At InsurDeck, we guide you towards insurers with strong claim records, and help structure your application so your family’s payout is never at risk.

📦 “IRDAI Fact: After 3 years of continuous policy, your claim cannot be denied for any reason other than fraud.”

WhatsApp us to check your insurer’s claim record

“Can’t I wait a few years before buying life insurance?” is a question we often hear at InsurDeck.

The truth: delaying life insurance is one of the costliest mistakes. Premiums rise every year you age, and if your health changes, you may even lose eligibility.

Here’s what you should know before deciding:

A 25-year-old non-smoker can get a ₹1 crore term cover for under ₹800/month.

The same cover at age 35 could cost ₹1,500–₹1,800/month.

At 45+, premiums can be 3–4 times higher — plus medical tests become stricter.

Once you’re diagnosed with conditions like diabetes or hypertension, insurers can load premiums or deny cover.

Starting early = fixed low premium for the entire policy term (20–30 years).

IRDAI mandates insurers to clearly disclose age-linked premium charts so customers understand this impact before buying.

💡 Think of life insurance like booking train tickets. The earlier you book, the cheaper and easier it is. Wait till the last minute, and you pay more — or risk “no seats available.”

👉 At InsurDeck, we show you the premium difference across ages and help you lock in the lowest rate before it jumps.

📦 Did You Know?

Your life insurance premium, once fixed, stays constant for the entire term – even if your health changes later.

WhatsApp us your age & we’ll show today vs future premiums

“Is the basic life cover enough, or should I add riders?” is a common doubt we hear at InsurDeck.

The truth: riders are small add-ons that make your life cover much more powerful — often at very low extra cost. Without them, you might need separate expensive policies later.

Here’s what you should know before deciding:

Critical Illness Rider → Pays a lump sum if you’re diagnosed with illnesses like cancer, heart attack, or stroke. Treatment in India can easily cross ₹15–20 lakh.

Accidental Death Benefit → Adds an extra payout if death is due to an accident — useful if you travel often.

Waiver of Premium → If you’re disabled or critically ill, future premiums are waived but cover continues.

Income Benefit Rider → Instead of a lump sum, your family gets monthly income support (like a salary replacement).

Riders are cheaper when added upfront to your base term plan than buying separate policies later.

IRDAI requires insurers to disclose rider terms clearly — so you always know what’s covered and what’s excluded.

💡 Think of riders like customizing a thali. The rice and dal (basic life cover) keep you full, but a little extra sabzi and papad (riders) make the meal complete.

👉 At InsurDeck, we help you pick only the riders that actually fit your lifestyle — not unnecessary add-ons that bloat premiums.

📦 Quick Tip: Riders must be bought with the base policy. You can’t add them later once the plan is issued.

Check which riders add real value to your plan.

“Will life insurance really help me save tax?” is one of the most common reasons people reach out to InsurDeck.

The truth: yes — life insurance is one of the most trusted tax-saving tools in India. But the benefits go beyond just saving money today; they also protect your family’s tomorrow.

Here’s what you should know before deciding:

Section 80C → You can claim deductions up to ₹1.5 lakh per year for life insurance premiums.

Section 10(10D) → Any payout from a life insurance policy (death benefit or maturity benefit) is completely tax-free, provided conditions are met.

For term insurance, the entire premium qualifies under 80C.

For endowment or ULIPs, only policies where the premium ≤ 10% of the sum assured are eligible for 10(10D) exemption.

Premiums paid for your spouse or children’s policies also qualify for deductions.

IRDAI ensures all insurers clearly highlight tax benefits in their brochures — but the actual savings depend on your income slab.

💡 Think of life insurance tax benefits like getting a cashback from the government. You protect your family and at the same time reduce your tax bill — a double win.

👉 At InsurDeck, we help you choose policies that maximize both protection and tax savings — so you don’t lock money in plans that give little benefit.

📦 “Did You Know?

The death benefit your family receives from life insurance is 100% tax-free — no matter how large the payout.

Check how much of your premium is eligible for tax deduction.

“Which insurer is the safest to trust?” is one of the first questions we hear at InsurDeck.

The truth: The best policy is useless if the insurer doesn’t pay when it matters. That’s why looking at the Claim Settlement Ratio (CSR) is critical.

Here’s what you should know:

Claim Settlement Ratio (CSR): It shows how many claims an insurer paid vs. how many were filed.

Example: If CSR = 98%, it means out of 100 claims, 98 families got their payout.

IRDAI publishes CSR every year so customers can compare insurers transparently.

Consistency matters: Look for insurers with 90%+ CSR over 3–5 years, not just one lucky year.

Beyond numbers: A good insurer also ensures faster payouts, less paperwork, and better customer service.

💡 Think of CSR like exam results. A student who scores 95% every year is more reliable than one who scores 99% once and 75% the next year.

👉 At InsurDeck, we don’t just pick the cheapest plan — we check the insurer’s CSR history, claim support strength, and customer experience before recommending.

📦 “Did You Know?

IRDAI mandates insurers to publish their claim settlement ratios every year in the public domain.

WhatsApp us to see which insurers have the best CSR this year.

“Do I really need a medical test before buying life insurance?” – this is one of the most common doubts we hear at InsurDeck.

The truth: medical tests and honest disclosures protect you – not the insurer. A missed detail today can lead to claim rejection tomorrow.

Here’s what you should know:

Medical Checkups:

Usually required if you’re above 35–40 years or opting for a higher cover (₹50 lakh+).

Basic tests: blood sugar, blood pressure, ECG, BMI, and sometimes liver/kidney function.

Some insurers offer “no-medical” policies up to ₹25–50 lakh, but the premium is usually higher.

Disclosure Rules (IRDAI-mandated):

You must declare existing illnesses, habits (smoking, drinking), and medical history truthfully.

If you hide details and later pass away due to that illness, the insurer can reject the claim within 3 years of policy issuance.

After 3 years, as per IRDAI’s “moratorium rule,” the claim cannot be rejected for non-disclosure – unless it’s proven fraud.

Why it matters:
Imagine declaring high BP at the start. Your premium may rise slightly – but your family’s ₹1 crore claim will be safe and hassle-free.

💡 Think of disclosure like writing your medical “truth file.” Better to spend 10 minutes today than risk your family’s claim tomorrow.

👉 At InsurDeck, we guide you on whether you’ll need medical tests for your cover amount, and how to disclose smartly without overpaying.

📦 IRDAI Fact:

“Once your life insurance policy completes 3 years, insurers cannot deny a claim for non-disclosure (except proven fraud).”

Send us your policy — we’ll tell you the claim ratio & speed in 2 mins on WhatsApp

“Should I buy life insurance for 10 years, 20 years, or till age 80?” – one of the most common dilemmas we hear at InsurDeck.

The truth: your policy tenure decides how long your family stays protected – and how affordable your premiums remain.

Here’s what you should know:

Longer tenure = lower lifetime cost

Buying a 40-year policy at age 30 means you’re covered till 70 – premiums stay fixed for the entire term.

A 10-year policy may look cheaper today but will be very expensive to renew later when you’re older.

IRDAI Rules:

Most insurers now allow coverage till age 65–85, depending on the plan.

Once chosen, the tenure cannot be extended, only renewed or repurchased at higher rates.

Ideal Tenure Thumb Rule:

Cover yourself till retirement age (60–65) or till your major loans and kids’ education are secured.

If you want lifelong peace of mind for dependents, choose whole life cover (till 99 years) – slightly costlier, but permanent protection.

Pitfall to avoid:

Don’t buy short-term plans just to save on premiums – they’ll burn a hole later.

Think long-term: life insurance is like planting a tree – the earlier and longer it grows, the stronger the shade for your family.

💡 Pro Tip: Always align your policy tenure with your biggest responsibilities – children’s education, home loan, or dependent parents.

👉 At InsurDeck, we calculate the right tenure based on your age, income, and family goals – so you don’t end up uninsured when you need protection most.

📦 IRDAI Fact: “Once a term policy is issued, its tenure cannot be extended – you’ll need a new policy if coverage ends.”

WhatsApp us your age & retirement goal – we’ll suggest the ideal tenure

Life Insurance Questions
We Hear Every Day

Do I need a medical check-up before buying life insurance?

Most term plans in India require a basic medical test (blood, urine, vitals). It’s not to reject you, but to set the right premium and avoid disputes later.At InsurDeck, we guide you towards insurers with transparent medical rules.

Are life insurance payouts taxable in India?

In most cases, life insurance death benefits are fully tax-free under Section 10(10D). Only exception: if annual premium is above ₹5 lakh in certain savings-type policies (not term). InsurDeck ensures you pick tax-efficient policies so your family gets the full benefit.

How do riders actually work – are they worth the extra cost?

Riders like critical illness, accidental death, waiver of premium add focused protection. Instead of overpaying for multiple policies, InsurDeck helps you bundle the right riders into one plan.

What happens if I miss paying premiums?

Life insurance policies in India usually give a 30-day grace period. If you miss it, the policy may lapse – but you can revive it with penalties and fresh health checks..At InsurDeck, we set renewal reminders so your policy never slips.

Can NRIs buy life insurance in India?

Yes! Most Indian insurers allow NRIs/PIOs to buy term plans – premiums can be paid in INR. Medical tests may be required in India or abroad (depending on insurer).InsurDeck helps NRIs pick policies that allow seamless claim settlement in India for their families.

What is the maximum cover I can get in India?

There’s no fixed cap – it depends on income & liabilities. Salaried people usually get up to 20x annual income; business owners may get higher with documents. InsurDeck knows which insurers are more flexible, so you don’t hit limits.

Can I increase my cover later as my income grows?

Yes! Many term plans allow “step-up” options or new policies later. But premiums rise with age.InsurDeck helps you pick plans with flexible upgrade options, so your cover grows with your career.

What if I already have employer-provided life cover?

Employer cover is a bonus, not a substitute. It ends when you switch jobs, retire, or the company changes terms.At InsurDeck, we calculate how much extra cover you actually need beyond your job’s policy.

How do insurers decide my premium?

Premiums depend on age, health, habits, job profile, cover size & tenure. InsurDeck runs a multi-insurer comparison so you know who offers the best rate for your profile.

Because Their Dreams Shouldn’t Stop With You

Your needs. Your priorities. Your peace of mind—secured by real experts who put people first.

WHAT ARE YOU PROTECTING?

My Family’s Monthly Expenses

My Spouse’s Future

My Business Obligations

My Child’s Education

My Retirement Goals

Aging Parents’ Support

Whole Life Insurance

Covers your entire life and builds guaranteed cash value

✅ Lifetime protection till 99 or 100 years ✅ Builds savings over time ✅ Useful for estate planning

❌ Premiums are higher ❌ Less flexible than other plans

🟠 Great for leaving behind a tax-free inheritance

Not sure which life plan suits you best?

⚠️ Top Mistakes

Why It’s Risky

How InsurDeck Helps

Why It’s Risky

How InsurDeck Helps

Why It’s Risky

How InsurDeck Helps

Why It’s Risky

How InsurDeck Helps

"Personalized advice, not product pushing. Your best interest — always first"

Still Debating Term vs ULIP? Let’s Settle It Today.

Get Your Free Life Insurance Quote

Send us your details and we'll help you find the right cover.

Decode Life Insurance with InsurDeck

Life Insurance Questions We Hear Every Day

Do I need a medical check-up before buying life insurance?

Are life insurance payouts taxable in India?

How do riders actually work – are they worth the extra cost?

What happens if I miss paying premiums?

Can NRIs buy life insurance in India?

What is the maximum cover I can get in India?

Can I increase my cover later as my income grows?

What if I already have employer-provided life cover?

How do insurers decide my premium?

✅ Lifetime protection till 99 or 100 years
✅ Builds savings over time
✅ Useful for estate planning

❌ Premiums are higher
❌ Less flexible than other plans

"Personalized advice, not product pushing.
Your best interest — always first"

Life Insurance Questions
We Hear Every Day