A Reality Check You Can’t Afford to Skip
In India, most people don’t buy life insurance until after something goes wrong — an accident, a death in the family, or a friend’s GoFundMe post on WhatsApp.
But life insurance isn’t meant to be a reaction.
It’s meant to be a safety net.
Without Life Insurance, the Real Cost Is Paid by Your Family
Let’s say you’re 30 and earning ₹25,000/month. That money goes toward rent, groceries, school fees, EMIs — every part of your family’s life.
Now imagine if something happens to you suddenly.
You’re gone — and so is that ₹25,000/month.
There’s no Plan B.
Just:
- Your spouse scrambling to earn or borrow
- Kids possibly dropping out of school
- Parents dipping into their savings or selling gold
- Loans piling up and mental stress skyrocketing
And this entire crisis could have been avoided for as little as ₹2–₹5/day.
Government Schemes Aren’t Enough
Yes, schemes like PMJJBY (₹436/year) provide ₹2 lakh cover. That’s a great backup — but it’s not enough to run a household long-term.
Employer insurance? Often just ₹3–₹5 lakh — and it vanishes the moment you quit or retire.
True protection comes from a term life insurance plan that stays with you, not your job.
Let’s Talk Numbers
- ₹10 lakh term cover at age 30? About ₹450/year
- ₹1 crore cover? Around ₹600–₹800/month
That’s less than what many of us spend on:
- 2 weekend meals
- Your Netflix + mobile recharge
- A few cups of coffee each month
But the value it gives your family in crisis? Priceless.
The Problem Isn’t Cost — It’s Delay
People say:
“I’m too young.”
“No one depends on me right now.”
“I’ll buy it next year.”
But life doesn’t send alerts. And insurance only works if you get it before you need it.
The Real Consequence? Double Pain
When families lose a breadwinner without insurance, it’s not just grief.
It’s chaos.
- Emotional shock
- Financial instability
- Dreams paused — or permanently buried
And the most painful part? It was avoidable.
Final Thought: Insurance Isn’t for You — It’s for Those You Love
Life insurance isn’t about death.
It’s about dignity.
It’s about ensuring that your family doesn’t suffer twice — once from losing you, and again from losing their stability.
Even ₹5 lakh cover is better than nothing.
Start small. Stay protected. Upgrade as your income grows.
👉 Check My Best Plan — Find out what life cover you can afford today, even if you’re just starting out.
