# Term Insurance — Arthum Wealth Services

The cheapest, cleanest way to protect your family's income if anything happens to you.

## How much cover do you need?
Common rule: **15–20× annual income**, adjusted for outstanding loans and dependents' goals.

## What we help with
- Right sum assured calculation (Human Life Value 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
- Correctly disclosing pre-existing conditions so claims don't get rejected
- Regular pay vs limited pay vs 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

## 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.

*Insurance is the subject matter of solicitation.*