Life Insuance
Life insurers ask Irdai to rework expense cap rules
Life insurers are seeking greater flexibility in expense caps, arguing that product-specific limits can constrain growing insurers as they invest in distribution, technology and expansion.
3 min read10 Sep 2026NRI’s Dubai life insurance payout triggered ₹40 lakh tax dispute, why ITAT ruled in his favour
An NRI who bought a life insurance policy in Dubai while working there won a ₹40 lakh tax dispute after the ITAT ruled that the policy was not an undisclosed foreign asset.
3 min read18 Aug 2026Group policies drive life insurers' Q1 growth as GST dents margins
India's listed private life insurers posted strong June-quarter growth, driven mainly by one-off group corporate deals. While the GST exemption boosted sales, it also compressed margins, as weaker bancassurance and mixed ULIP demand highlighted the uneven nature of underlying retail growth.
4 min read31 Jul 2026Are you adequately insured? Why most families don’t have enough cover until it’s too late
A GST cut has made term insurance 18% cheaper, but the real risk for families is not buying too little, too late. Here’s how to know if your life cover is truly adequate.
2 min read9 Dec 2025Why Canara HSBC Life is going public at a steep discount to HDFC Life
With 13 years of consistent profits, Canara HSBC Life offers investors a rare entry into a bank-led insurer at nearly half the price of bigger rivals.
5 min read9 Oct 2025Why life insurance claims get delayed or rejected, and what you can do
In times of grief, life insurance claims can be complicated. Survivors must ensure paperwork is accurate and complete to avoid delays.
6 min read17 Sep 2025Why disclosing pre-existing diseases is key when buying health insurance
The insurer can deny your claim at the time of medical emergency if you have not disclosed your medical history with the insurer. So, what counts as a pre-existing condition? How far back must you go in your medical history?
3 min read29 Jun 2025LIC Index Plus Plan: 5 things to know before investing in this unit linked policy
LIC's Index Plus Plan provides holders a dual benefit of life cover and market-linked investment with flexible fund options, guaranteed additions, and partial withdrawals for long-term financial planning.
3 min read19 Jun 2025Can you hold multiple life insurance policies?
Insurers assess life cover eligibility using the Human Life Value formula. Failing to disclose existing policies can lead to claim rejections.
2 min read15 May 20252024 in Review: The future of life insurance – trends to watch for 2025
India's life insurance sector thrived in 2024, achieving an 18.56% growth in premiums. Enhanced digital tools and customer-centric products emerged post-pandemic, supported by regulatory reforms aimed at improving efficiency and transparency, paving the way for a more inclusive financial future.
2 min read30 Dec 2024Wait for it…
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