ARTHUM
// 03 — Term Insurance

The most underrated rupee you'll ever spend.

For a few thousand rupees a year, your family stays financially whole if anything happens to you. Done right, term insurance is the cheapest, most powerful product in personal finance.

How much cover do you actually need?

A common rule is 15–20× your annual income, adjusted for outstanding loans and dependents' goals (children's education, spouse's retirement). We do this math with you, line by line.

What we help with

  • Right sum assured calculation (HLV method)
  • Policy tenure aligned to your earning years
  • Comparing claim settlement ratios across last 3 years
  • Riders worth taking: critical illness, accidental death, waiver of premium
  • Riders to skip (we tell you those too)
  • Disclosing pre-existing conditions correctly so claims don't get rejected
  • Choosing between regular pay, limited pay and single pay

Things we won't sell you

  • ULIPs disguised as "investment cum insurance"
  • Endowment / money-back policies with sub-5% returns
  • Return-of-premium term plans (you're paying for nothing)

How we charge

The insurance company pays us commission. You pay the same premium you'd pay anywhere else, plus you get help with claim assistance if it's ever needed.

If your family wouldn't be financially fine without your income for the next 15 years, you don't have enough term cover yet.