Term cover calculated against income replacement, outstanding loans, and future goals — not a round number your agent suggested.
Amount based on income, liabilities and future goals like children's education.
Critical illness or accidental death riders added where relevant.
Medical and lifestyle disclosures done accurately to avoid claim rejection.
Cover amount revisited as income and liabilities change.
Understand current income, loans, and dependents.
Sum assured calculated using income-replacement and liability methods.
Insurers compared on claim settlement ratio and premium.
Medical tests and disclosures coordinated for a clean policy issue.
A 15-minute calculation is often eye-opening.
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