Secure Your Future: Why Early ₹1 Crore Term Insurance is Smart

• Buying ₹1 Crore term insurance early locks in lower premiums due to lower mortality risk at a younger age.
• Younger applicants benefit from easier medical underwriting, leading to faster approval and no extra charges.
• Term insurance protects dependents and helps cover liabilities like loans in your absence, ensuring family's financial security.
• Determine coverage using rules like 10-15 times annual income or Human Life Value (HLV), accounting for future needs and inflation.
• Term insurance is crucial across all life stages, from early career to pre-retirement, adapting to growing responsibilities and financial goals.

Why It Matters: Purchasing term insurance early ensures lower premiums and easier approval, providing essential financial security for your loved ones.