Site map
Everything published on this site, grouped the way it is organised. The application form is not listed — it is reached from the pages that explain what you would be applying for.
Plans
The four categories of policy, each explained on its own page.
Guides
Longer explanations of how the process works and what the words mean.
- All guides
- Buying Indian life cover as an NRI
- Buying life cover if you use tobacco
- Buying life cover with a pre-existing condition
- Country notes for NRI applicants
- Documents needed for a life insurance claim
- FATCA and CRS declarations, explained
- How a life insurance claim is filed
- How much life cover do you actually need?
- Non-medical limits, explained
- Section 45 and the three-year mark
- Term cover versus cover for life
- The nominee's role, and why it matters more than people think
- What a rider actually adds
- What actually changes your premium
- What an underwriter actually looks at
- What changes if you return to India
- What happens if you get a question wrong
- What material non-disclosure actually means
- Why applications get loaded or declined
- Why life insurance claims get contested
Calculators
Tools that work on figures you supply. None of them states what any insurer's product will pay.
About and contact
Regulatory and legal
Glossary
Every term the site defines, alphabetically.
- The whole glossary
- Adverse decision
- Advertisement
- Annuity
- Appointee
- Assignment
- Basis of contract
- Bima Bharosa
- Build
- Claim
- Claim repudiation
- Commission
- Corporate agent
- Death benefit
- Death claim
- Decline
- Deferred annuity
- Endowment policy
- Exclusion
- Family history
- FATCA and CRS
- Free-look period
- Fund value
- Good health declaration
- Grace period
- Grievance redressal
- Human life value
- Income multiple cap
- Income proof
- Insurable interest
- Insurance agent
- Insurance broker
- Insurance Ombudsman
- IRDAI
- Lapse
- Life assured
- Loading
- Lock-in period
- Longevity risk
- Material non-disclosure
- Maturity benefit
- Maturity claim
- Medical examination
- Micro-insurance
- Modal premium
- NAV
- Needs analysis
- Nominee
- Non-medical limit
- NRI
- Paid-up value
- PIO and OCI
- Policy document
- Policy term
- Policyholder
- Postponement
- Premium
- Premium frequency
- Premium payment term
- Principal officer
- Proposal form
- Repatriation
- Revival
- Rider
- Section 41
- Section 45
- Solicitation
- Standard terms
- Sum assured
- Surrender value
- Survival benefit
- Switching
- Term insurance
- Tobacco status
- ULIP
- Underwriter
- Underwriting
- Unit
- Utmost good faith
- Vesting
Last reviewed: 3 September 2026