Buying insurance is easy. Getting your claim settled—that’s where the real test begins. For any policyholder, one of the biggest fears is having a claim rejected after years of paying premiums faithfully. Most people don’t realize that after a certain period, the insurer loses the right to question old non-disclosures or misstatements. That cutoff is …
Every year, the IRDAI annual report triggers a fresh round of discussions around “which health insurer is best” based on the Incurred Claim Ratio (ICR). “The December 2025 data from the IRDAI Annual Report (FY 2024–25) is no different. However, before drawing quick conclusions, it is important to understand what ICR actually tells us — …
LIC has launched 7 new plans in the last one year or so. In this post I have tried to list down the important features, details and my recommendations on all the latest LIC Plans that have been launched during 2022-23. From January 2022 to till-date (22nd Aug, 2023), LIC has launched four Endowment Life Insurance plans, one ULIP Insurance plan, one Pension …
Freelancers and entrepreneurs enjoy the flexibility of being their own bosses, but they also face unique financial risks, and so why there is insurance policies. Unlike traditional employees, self-employed individuals don’t receive employer-sponsored benefits such as health insurance, disability coverage, or retirement plans. This makes having the right insurance policies critical to protecting their financial …
Life insurance is one of the most important financial tools for securing your family's future. Whether you're looking to provide for your loved ones in case of an untimely passing, cover debts, or leave a financial legacy, choosing the right life insurance policy is crucial. However, with multiple options available, selecting the best plan can …