Insurance

Insurance that actually fits your life

We compare plans from top insurers, explain the fine print, and help you with claims when you need it most.

Life insurance compared

Term, endowment, ULIP or guaranteed?

The four most common life insurance types do very different jobs. Here's how they compare.

Term LifeLife (Endowment)ULIPGuaranteed Return
Main purposePure protectionProtection + savingsWealth creationCertain returns
Life coverVery highModerateModerateModerate
PremiumLowestHigherFlexibleHigher
ReturnsNone (pure term)Bonus-linkedMarket-linkedFixed, guaranteed
RiskNoneLowMarket riskNone
Best forEvery earning personConservative savers10+ year goalsFixed future goals

Indicative ranges. Final terms depend on the lender or insurer and your profile.

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