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Tobacco use including smoking has been linked to various health problems and an elevated risk of life threatening diseases including cardiovascular disease, lung cancer, throat cancer, etc. This higher risk of life-threatening diseases is the primary reasons why tobacco users including smokers are charged a higher premium for life insurance plans compared to non-smokers with a similar profile.

In spite of such higher premiums, smokers are eligible to purchase term insurance policy in order to protect their family’s financial future. Let’s take a closer look at how term insurance for smokers and other tobacco users work.
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One of the key requirements for ensuring the financial protection of your loved ones is purchasing a term insurance. Additionally, one of the key steps to be taken at the time of purchasing a term insurance policy is deciding how much term insurance cover will you need. If your life cover amount is too low, the death benefits your loved ones get will be insufficient, while on the other hand, if your cover amount is too high, you will have to pay significantly high premiums. This is why it is necessary to find a balance between high cover and affordability of the life cover amount chosen. In this blog, we shall walk you through the steps to decide the term insurance life cover you should get and how to calculate the ideal term plan cover for your unique needs.
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Life is unpredictable, and while we can't control the future, we can protect our family from the unexpected. One way to do this is to purchase a term insurance plan that suits the protection needs of your loved ones as well as your own. One such plan is the Axis Max Life Smart Term Plan Plus (UIN: 104N127V04 | A Non Linked Non Participating Individual Pure Risk Life Insurance Plan), which is designed in a way to offer flexible life cover along with other key benefits that you can customize as per your preference and convenience.

 

In this blog, we shall walk you through some of the key features and benefits of Axis Max Life Smart Term Plan Plus.

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For purchasing term plan, one of the important factors considered by the insurance providers is your health. If you’re someone dealing with Diabetes, Type I or Type II, you might assume that you are ineligible for a pure protection term plan. However, currently you do have the option to get life cover under specially designed term plan for diabetics. So, if you have diabetes but you keep it well-managed and your blood sugar levels are regularly monitored, the chances of getting protected with a term plan for diabetics are pretty good. In this blog, we will guide you about the eligibility for term insurance for diabetics along with the benefits and features of this type of term insurance plan.

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One of the primary reasons to buy life insurance such as a term plan is to safeguard the financial interest of your loved ones in the case of your unexpected demise. One of the ways in which a legal safeguard is provided to ensure the financial protection of life insurance policy beneficiaries such as dependent married women is through the Married Women’s Property Act (MWPA), 1874. This act grants specific rights to dependent married women who are beneficiaries of life insurance policies where the husband is the life insured. Read on to know some key details of the MWP Act, 1874 and how it relates to term insurance policies in India.

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