Need more than ₹1 crore cover? How to recalculate your life insurance needs

At 42, a ₹1 crore term plan may look sufficient today, but inflation steadily erodes its real value, weakening your family’s future financial protection. As expenses rise and responsibilities like education, loans, and lifestyle needs grow, your existing cover may no longer be adequate. Here’s how to reassess your life cover based on your income, liabilities, and goals — and choose between a regular term plan and a return-of-premium option for optimal protection and cost efficiency.

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