Insurance planning basics for Indian households
Insurance is for transferring risks you cannot afford to bear—not an investment shortcut. Use the guides below for frameworks, then verify premiums, exclusions and claim rules with licensed advisors and insurers.
Calculators
Guides
- Term cover vs traditional life plans — How to think about pure protection versus bundled savings+insurance—without treating either as a tip.
- How much life cover? A simple framework — Human-life-value style questions to size cover—expenses, goals, debts—without inventing a one-size multiple.
- Health insurance planning basics — What to clarify before buying or upgrading health cover—without quoting premiums you haven’t verified.
Key terms
FAQs
Is life insurance a good investment?
Pure term cover is primarily protection. Bundled savings+insurance products can be harder to compare—separate protection and investing unless you have a clear reason not to.
Do you sell policies here?
No. Aaru Wealth provides education and calculators only.
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Sources & methodology
- Calculator Methodology
- Editorial Policy
- Official scheme / tax portals — verify current rates and rules before acting
Always verify current rates, slabs and scheme rules on official portals. Calculator outputs are illustrative estimates.
Illustrative content from Aaru Wealth. Not personalised financial advice.