Term Insurance
How much term insurance do you actually need?
Ten times income is a slogan, not a calculation. Here is the arithmetic that replaces it.
August 11, 2026
2 min
Pure protection: how much cover you need, what riders are worth, and which claims get paid.
Ten times income is a slogan, not a calculation. Here is the arithmetic that replaces it.
Claim settlement ratios are high. The cases that fail nearly all share the same five causes.