Hello Saurabh, At Policybazaar, we understand that choosing the best Term Insurance coverage depends on your unique needs, lifestyle, and financial goals. Term insurance provides financial security to your family in case of an unfortunate event, ensuring they are protected and secure.

Here's how to choose the best term insurance cover for you:

1. Coverage Amount:

   • A good rule of thumb is to opt for a cover that is 15-20 times your annual income. For example, if you earn ?10 lakhs annually, consider a cover of ?1.5-2 crores.

2. Policy Tenure:

   • Choose a tenure that covers you until your retirement age or until your dependents are financially stable. Typically, this means coverage up to 60-65 years of age.

3. Add Riders for Enhanced Protection:

   • Consider adding riders like:
     • Critical Illness Rider: Provides a lump sum if diagnosed with a major illness.
     • Accidental Death Benefit: Offers additional payout in case of accidental death.
     • Waiver of Premium: Waives future premiums if you're unable to pay due to disability.

4. Check Claim Settlement Ratio:

   • Opt for insurers with a high claim settlement ratio (above 95%) to ensure smoother claim processing.

5. Online vs. Offline Plans:

   • Online term plans often come with lower premiums compared to offline plans. At Policybazaar, you can easily compare and buy the best term plans online.

6. Premium Affordability:

   • Choose a policy that offers a balance of adequate coverage and affordable premiums.

Why Buy Through Policybazaar?

• Compare Multiple Plans in one place.
• Expert advice to help you find the right cover.
• Easy, transparent, and hassle-free buying experience.

Secure Your Family's Future – Get the right term insurance today and ensure peace of mind for tomorrow.