Term / Life Insurance
A term policy is a promise to the people you won't be there for. The question is whether the number on it still matches their lives.
What we look at in a term / life insurance policy
Term and life policies are usually bought at a turning point: a marriage, a child, a home loan. Years later, the loan is bigger, the children are older, income has changed, and the policy is exactly what it was. A Kavaach review checks whether the sum assured, the term, the riders and the nominee still fit, and whether anything in the original proposal could create a problem at claim time.
- Sum assured vs. what your family would needOutstanding loans, years of household expenses, education costs, and existing assets, so the cover amount is a calculation rather than a round number.
- Policy term and premium paying termDoes cover run until your responsibilities actually end, or does it stop while a loan or dependants remain?
- Riders: critical illness, accidental death, waiver of premiumWhich riders you hold, what they actually pay on, and whether they overlap with other cover.
- Disclosures in the original proposalHealth, lifestyle, occupation and income disclosures matter enormously at claim time. We check that what's on record still reflects reality.
- Nominee and beneficiary detailsNames, shares, and whether the nomination reflects your current family situation.
- Traditional and ULIP policiesIf you hold endowment, money-back or unit-linked plans, we explain what they actually return, what surrendering costs, and what continuing means.
Cover that was right once, and drifted
Policies stay fixed; lives, cities and businesses don't. The gap between what you're covered for and what you'd actually need tends to open slowly and silently. A review measures it.
Illustrative only. These are conceptual examples of how cover can drift from need over time, not statistics, benchmarks or a prediction for any policy.
Choose how you want to handle Term / Life Insurance
Both paths are complimentary and both end the same way: you decide.
Talk to your Kavaach Saathi
Share your policy on WhatsApp. A real person reviews it against what you actually need and walks you through the gaps, in plain language. No forms, no sales pitch.
- Send your policy document or a photo
- We review cover, exclusions, and fit
- You get clear insights and options
- You decide what to do next
Compare it yourself
Prefer doing it on your own? Use the Kavaach self-serve portal to compare and buy directly, at your own pace.
- Enter your mobile number
- Verify with the OTP you receive
- Compare plans on the dashboard and buy
Kavaach is not an insurer, broker or agent. A review is a second opinion on fit and coverage, not a recommendation to buy, switch or cancel. We do not guarantee premiums, savings or approval. Whatever path you pick, the decision stays with you.
Frequently asked questions
How much term cover is enough?
There's no single number, but a common starting point is 10 to 15 times annual income, adjusted for loans, dependants and existing assets. Our guide on term cover walks through the arithmetic; the review does it for your situation.
I have a ULIP or endowment plan. Should I stop it?
Not automatically. Surrender values, remaining term, lock-ins and what you'd replace it with all matter. We'll show you the actual numbers for each option; the decision is yours.
Does a review change my premium or policy?
No. A review looks at what you have. Nothing changes unless you choose to act.
What if I didn't disclose something when I bought the policy?
Bring it up in the review. Insurers have a defined process for updating disclosures, and it's far better handled now than discovered during a claim.