If Chamkila had bought term insurance before passing away at 27, his wife and kids could have had a brighter future. It shows death is inevitable, but with a term insurance plan, you can protect your family's future financially even in your absence. It is the most affordable life insurance product that covers the unfortunate death of a policyholder for a specific period in exchange for affordable premiums. With a lower life expectancy, buying the best term insurance plan in India as soon as possible would be the best decision.
What is Term Insurance?
Term insurance is the purest form of life insurance designed to cover the policyholder's unfortunate death. In exchange for a relatively low premium rate, you can get a large amount of life cover. Upon the death of the insured person during the policy tenure, the death benefit payout will be paid out to their nominee. You can even get additional protection against specific conditions with add-on riders. Apart from the death benefit, several additional benefits come with a term insurance plan, such as life-stage benefit, whole-life option, premium break, return of premium benefit and much more.
How Does Term Insurance Work?
Let's understand how the term insurance functions with the help of an example.
Say Hello to Arvind
Arvind is a 25-year-old non-smoker and a healthy person earning 7 lacs or above annually.
Bought Policy
Arvind purchased ₹1 crore Term Insurance for 25 years to secure his family.
Unfortunate Death
In the 8th policy year, Arvind suffered an unfortunate death.
Claim
His family received ₹1 Crore as a death benefit from the insurer.
After Claim
His dependents can use the death benefit amount to substitute the loss of income.
What are the Best Term Insurance Plans in India 2024?
Get a term insurance plan for yourself starting at just Rs. 476/ per month (T&Cs apply). Find the best term insurance plan in India online from the top insurance companies at PolicyX. Below, we've provided a customized list of best-term plans based on factors like CSR, brand value, and affordability.
Life Stage Protection Smart Exit Benefit Whole Life Option
97.8%
Rs. 1083/- per month
*The sample premium is calculated for a 30-year-old male earning 10 - 15 lakhs annually looking for insurance coverage of 1 crore till 60 years.
Why Should You Buy a Term Insurance Plan?
Secure your family's financial future with term life insurance.
Protect your family from the burden of outstanding debts.
To ensure a stable income source in your absence.
To offer a no-compromise lifestyle for your family
Who Should Buy a Term Plan?
Whether you're a salaried or self-employed person, anyone is eligible for a term insurance plan because it has no specified minimum income requirement.
Parents are an important part of their children's lives and provide emotional or financial care at every phase of life. But if something happens to them, it surely can put their children's future to risk. Hence, it is necessary to secure your child's future with a term insurance plan.
Newly Married Couple
A newly married couple has to discuss and prepare for long-term savings and future. With a term insurance plan joint life cover option, you can secure both husband and wife under a same plan.
Working Women
Nowadays, women in India are participating in every sector. There is hardly any sector where we can’t see women's leadership. An earning woman can purchase a term plan to secure the future of her parents/spouse/children financially even in her absence.
Self-Employed
An unsteady income increases the risk of a family's overall financial well-being. If something happens to you, your family could face financial hardships. Hence, a term insurance plan is an important part of a self-employed individual's financial plan.
Youtubers & Influencers
Social media has become the biggest platform for business or self-employed. Whether you're a YouTuber or an influencer, surely you are living a dream life but at the cost of an unsteady income. Have you ever thought what if something happens to you? Your family could face financial hardships. Whether you're a steamer, blogger, or influencer, buying a term insurance plan to protect your family is important for you.
Taxpayers
With a term insurance plan, you can easily enjoy tax benefits, and claim deduction that helps you to reduce your taxable income. Under Section 80C, you'll get a tax exemption of up to ₹1.5 lakhs annually for the premiums paid. Under section 10 (10D), the death benefit and maturity benefit are tax-free. Under Section 80D, you can get a maximum tax deduction of up to ₹25,000 yearly for premiums paid towards health riders.
Can NRIs Buy Term Insurance in India?
Surely, NRIs can buy term life insurance policies in India. However, they must check whether their insurer provides its services in your residence country.
Here are a few factors you must understand before buying NRI term insurance in India:
To buy an NRI term insurance plan minimum education qualification required is graduation.
To buy a term insurance plan, you need an income of at least 10 lakh INR.
It would be best if you are fully vaccinated against COVID-19.
Medical underwriting will be held via video call.
Receive an additional 5% discount on your first-year premiums.
Get an 18% GST waiver based on the prevailing tax laws.
You've to bear the medical examination expenses.
What are the Benefits of a Term Insurance Policy
Whole Life Option
Term insurance only provides coverage for a specific period, but with a whole life option, you can provide lifelong protection—as long as you keep up with the premium payments. This option allows you protection for up to 99/100 years.
Surrender Benefit
Some insurance providers offer built-in surrender benefits, allowing you to terminate the policy before its maturity date and receive a surrender value.
Affordable Plans
The term insurance is the most pocket-friendly life insurance product, offering a high life cover at affordable premiums.
Maturity Benefits
Term insurance is considered a pure protection plan and does not provide maturity benefits. But with a return of the premium variant, you can turn your protection tool into a saving tool. Under this variant, the insurer pays back the premium to the policyholder once they outlive the policy term.
Death Benefit
Term insurance is a protection-oriented plan that offers a guaranteed death benefit payout. However, the death amount is paid out to the nominee within 30 days of the claim being made.
Premium Breaks
It allows you to skip a premium payment during the policy term for a specific period without losing the policy benefits. During the premium break, the policy remains active, and you can enjoy coverage benefits without worrying about paying premiums.
Joint Life Option
As the name implies, the joint-life option allows you to add your husband or wife to a single plan. It is the same as the joint life policy, which offers financial stability if one partner passes away.
Life Stage Benefit
A Life Stage Benefit allows you to increase your life cover limit with their changing financial responsibilities at certain milestones, such as marriage, childbirth, or adoption. It is ideal for young investors to upgrade their life cover without repeated documentation or paperwork.
Voluntary Sum Assured Top-up
It allows you to enhance your life cover at any time during the policy term. To get a voluntary top-up, the policyholder will have to pay a higher premium.
Nowadays, there are several plans available in the market to fulfil the different objectives of life. On PolicyX, you can easily compare different plans and features with a few clicks.
Flexible premium payment options
Apart from a life cover, term insurance allows you to choose a premium payment term based on your budget. However, premiums can be paid in various intervals: Single Pay, Limited Pay, or Regular Pay.
Long-Term Protection
With a term insurance plan, you'll get protection for up to 100 years, allowing you to secure your family's financial future in the long term.
Suitable for All Age Groups
One can purchase a term plan if you fall in the age bracket of 18-65 years.
Adjustable Cover
With an inbuilt optional cover, you can increase your basic sum assured amount and get additional protection against specific conditions. Some plans offer a life-stage benefit option at the policy inception that allows you to enhance your basic sum assured at specific important stages in your life.
What are Term Insurance Eligibility Criteria?
Now, that you may understand how term insurance works, let's take a look at the basic eligibility criteria needed to buy a term plan in India:
Level Term Insurance plans are the same as the basic term plans. As the name suggests, the policyholder's premium remains fixed throughout the policy tenure. However, it is generally the most pocket-friendly variant among insurance products.
An increasing term insurance plan guarantees that life coverage grows by a predefined amount every year till the policy term. It is designed to consider inflation and other changing phenomena of policyholder life at different phases. Despite the increasing sum assured, the premiums under increasing term plans remain the same during the policy term.
To put it simply, a decreasing term plan is opposite to an increasing term insurance plan, where the life cover will reduce by a predetermined percentage yearly. However, the sum assured amount decreases each year, and the premiums for this term plan remain constant.
A term insurance plan with a return of premium (ROP) is a basic term insurance plan with an additional benefit of the return of all the premiums paid on maturity. It is a contract between the insurer and the insured wherein if you outlive the policy tenure, the insurer pays back premiums paid towards the plan minus GST to you. The premiums for this plan are usually higher.
Convertible term insurance plans let the policyholder convert a term plan into a permanent life policy without going through a medical examination. To put it simply, it is a basic term life insurance plan with an added feature of conversion.
What is a Term Insurance Rider?
Term insurance riders offer additional financial support to the nominee beyond the base policy for specific events. To put it simply, it is an optional benefit that allows you to increase the base sum assured amount in exchange for extra premiums.
Check out the term riders that you can include with your base term plan.
1
Terminal Illness Rider
It is a term insurance add-on rider that allows you to claim your sum assured amount while you're alive if you're diagnosed with a covered terminal illness.
2
Accidental Death Benefit Rider
It offers an additional death benefit amount if the death occurs due to an accident. An accident is a sudden, uncertain and spontaneous event.
A waiver of premium riders is a term insurance add-on rider that waives insurance premium payments if the policyholder becomes critically ill or physically impaired.
This rider offers financial protection to the policyholder in case of a total and permanent disability caused due to an accident throughout the policy tenure.
What are the Factors That Affect Term Plan Premiums?
Following are some factors that determine how much premium you may need to pay:
Age
Insurers consider younger ones healthier, and as your age increases, the risk of developing health risks tends to increase. Hence, the lower your age, the more affordable your premiums will be.
Gender
Typically, the insurer offers special premiums for women and non-smokers because they are expected to live longer.
Health
Family medical history is also an important factor that affects the overall premiums. However, the premium will be expensive if your family has had serious illnesses.
Lifestyle habits
Consumption of Any of drugs and alcohol may lead to higher premiums because they increase health risks.
Policy Duration
If you've chosen a policy covering 99 years, then the premium will be higher.
Occupation
The risk that you're exposed to at work affects the premium because it can increase health risks.
How to Choose the Best Term Insurance Plan?
Firstly, check the insurance provider's claim Claim Settlement Ratio (CSR) to measure their trustworthiness and credibility.
After that, look for insurers with a Solvency Ratio of at least 1.5 to ensure they are financially capable of settling a claim if needed.
Look for a plan offering additional benefits that set it apart from others, such as life stage, joint life, surrender benefit, etc.
Choose a plan that offers flexible premium payment or payout options so you can choose one based on your budget.
Research online reviews to assess customer satisfaction and claim experiences before deciding.
What Are The Different Types Of Term Insurance Payout Options?
Term insurance allows the policyholder to select the type of death benefit payout option based on their requirement. The nominee can select the following payout options:
01
Lump Sum Payment
Single payment of the death benefit
02
Monthly Installments:
Regular monthly payment of the death benefit
03
Lump Sum + Monthly
Combination of lump sum or monthly installment payment
04
Increasing Monthly
Monthly payments with a yearly increase
How Much Term Insurance Cover Do You Need?
You can easily check how much coverage you need through our Human Life Value Calculator. HLV calculator is used to calculate the individual's financial value based on factors such as age, income, and potential earnings.
Below are the options available for sum assured amounts that are best for you:
There are multiple benefits associated with buying a term insurance plan online, such as less expensive premiums, no mediators commissions, easy comparison, easy premium payment, Etc. Let’s understand them in detail:
Easy Comparison
Compare term plans free of cost and choose a plan that best fits you.
Swift & Hassle-free
Buy a term plan online and get confirmation & documents instantly.
Customer Convenience
Buy a term plan hassle-free from the comfort of your home and even get dedicated claim support guidance.
Easy Premium Payment & Renewal
Easily pay the premium without hassle and renew your policy online.
How to Buy the Best Term Insurance Plan?
To buy a suitable term plan for yourself, you can visit the insurer’s official website, PolicyX’s website, or offline by visiting their branch office.
Go to the insurer official website.
Click on the "Buy Now" option
Select a term plan.
Fill out the required details and check the premium.
Pay through UPI or debit card and get the policy details on your registered email ID.
Follow the Steps Below to Buy the Best Term Insurance Plan Hassle-free on PolicyX.com
Visit the PolicyX Website.
Fill out details like Name, DOB, and Phone Number, and click on 'Continue.
Submit details like annual income, education qualification, or smoking habits.
Compare the plans from the available options.
Select a plan that best suits your requirements.
Proceed to Pay Via Net Banking, Debit, or Credit Card.
Receive the Policy details on your Registered Email ID.
Mandatory Documents Required To Buy Term Insurance Plans
Following are the documents that you need to submit to the insurance company while buying a term plan are:
Types of Documents
Documents
Identity Proof
Passport, Voter ID, Adhaar Card, PAN Card
Income Proof
If salaried - Last 3 months salary slips and bank statements having salary credit information.
If self-employed - the last 3 years with Computation of Income (COI).
Address Proof
Water Bill, Telephone Bill, Adhaar Card, Rent Agreement, Electricity Bill
Medical Proof
Latest medical test reports allocated by the insurer
Why Choose PolicyX.com?
Don't just take our word for it - check out what our happy customers say about us!
I bought a health insurance policy from PolicyX, but all my claims were rejected for three years. I complained to the insurer and tried to resolve it on my own, but they still refused to settle my claims. Then, I received a text from Munish at PolicyX, who noticed that my claims hadn't been settled. PolicyX team fought for me and managed to get my claims settled, totalling ₹4,50,000. I really appreciate the efforts of the PolicyX team, especially Munish, for their support in settling my claims.
Instant Settlement
I generally don't write reviews, but I highly appreciate the help of Mr Munesh Kumar and his team and my Sales Adviser, Ms Geetakshri, for settling my claim of Rs. 5 Lakhs with zero deductions. I took a policy online from PolicyX in March 2024. As a customer, it's been a great experience throughout the process.
Exceptional Support
I'm writing to let you all know that I'm very satisfied because my claim of ₹2,44,700 has been settled as a result of your team effort. However, I was very upset with Niva Bupa, who delayed the claim for Almost 2 months. But with your support, the claim was settled 30 days after your interaction & I appreciate it a lot.
Easy Renewal Process
I took my Health Insurance policy from PolicyX, and so far, it's been a very pleasant experience with PolicyX. I really appreciate the help Ms Pooja's team and especially Mr. Naushad for renewing my health policy. I look forward to continuing my relationship with PolicyX and recommend it to everyone.
Term Insurance Claim Process
Most of the term insurance companies offer a simple and easy-to-follow claim process. Below mention are the steps to file a claim for your term insurance policy.
The claim will be settled if it gets approval from the insurance company
Documents Required for Claim Settlement of a Term Insurance Policy
In case of the policyholder's demise, the nominee should inform the insurer as soon as possible. While settling the claims, the claimant must read the T&Cs carefully and submit all the relevant documents required for a hassle-free claim. However, documents will vary in different death scenarios:
Case 1: Natural Death
Policy document in original.
Claim form.
Application from the claimant.
Documents required by the insurance company.
Hospital discharge summary and medical reports (in case of death due to illness).
Case 2: Accidental Death
Post-morterm report of the accident.
FIR report of the police.
Policy document in original.
Claim form issued by the insurance company.
Statement of attending doctor or certificate of medical attendance.
Any other documents required by the insurance company.
Term Insurance Plans
There are various term insurance plans out in the market to select from and it can be a little confusing. PolicyX has compiled a list of term insurance plans that you can take a look at:
Specifically covers you and protects your spouse, children, or other nominees financially in case of your sudden death. Also, covers 34 critical illnesses at a very reasonable premium amount.
Offers financial security and a support system to the policyholder in an emergency. Provides a 5% (up to 200% of the base SA) increment in sum assured after every anniversary of the policy.
A plan offering spouse benefits, premium waivers, premium refunds, and death benefits. It is a flexible protection plan that adapts to your changing needs.
Unique Features
Return of Premium
Offers coverage for whole life
Regular monthly income
HDFC Life Click 2 Protect Life (Pros)
Auto Balances Death Cover
Auto Balances Critical Illness cover
Reduce Premium Payment Term
HDFC Life Click 2 Protect Life (Cons)
No Suicide Cover
No War Injury Cover
No Adventure Sports Cover
HDFC Life Click 2 Protect Life (Other Benefits)
Life & CI Rebalance
Maturity Benefit
Waiver Of Premium
HDFC Life Click 2 Protect Life (Eligibility Criteria)
Entry Age -18 Years
Max Entry Age - 65 years
Minimum Sum Assured - 20 L
Maximum Maturity Age - 75 years
Premium Payment Term - SP/RP/LP
ICICI Pru iProtect Smart Money Back
One of the top-selling plans from the company. Offers life cover to your family and a return of premium in case of maturity of the plan to fulfill your future needs.
How artificial intelligence or (AI) can enhance and streamline your term insurance plan?
Artificial intelligence (AI) plays a significant role in almost every sector today, whether it is forecasting the weather or breaking a complex algorithm into smaller ones. You can see AI everywhere. But, have you think how AI can be used for your term insurance to enhance and streamline every process? The necessity of term insurance does not end once you purchase it. It holds several other processes to consider such as premium paid on time, how to add or change nominee details, and how to surrender it. For you might it seem like an easy task, but most people outside the world find it difficult. For the same what about integrating a dedicated AI system with your insurance plan, that guides you at every step to solve all problems just like having an insurance expert who is available for you 24/7? You might be amazed some insurance companies started working over the same. And, you will see a lot of changes and enhancements in insurance sectors in upcoming years. For more information like the same, you can visit our term insurance page regularly.
28 Oct
Insurance firm PNB Metlife pays Rs 1.35 cr to the customer kin\'s.
India's major term insurance provider, PNB Metlife, has come to attention after the Chandigarh High Court ordered it to pay Rs. 1.35 crore to a customer's relation. It all started in March 2021, when Gourav bought a PNB Metlife term insurance. However, due to the lockdown, he faced severe financial crises, which resulted in a missed premium. However, Gourav still managed to pay the premium dues somehow during the insurer's grace period. On April 28, 2021, Gourav passed away due to diagnosing with covid-19. And, PNB MetLife rejected his claim settlement stating, "he doesn't repay the premium on time". But, Gourav's relation doesn't give up easily and continuously fights for his claim, which was finally settled in 2024.
18 Oct
Why are smokers charged more premiums compared to non-smokers in term insurance?
Insurance is an industry where premiums are calculated based on the risk associated with it. The higher the risk, the higher the premium will be charged. According to the WHO report, a regular smoker is considered to live 10 times less than a non-smoker. As the risk associated with a regular smoker is higher, the more premium is charged.
16 Oct
Now you can purchase Tata AIA Term Insurance with the Tata Neo app:
Yes, you heard it right. With Tata's multi-purpose super app, you can purchase Tata AIA Term Insurance online. Apart from the online discount of 5%, customers can enjoy an additional 1% discount, if they purchase through a Tata Neo card.
11 Oct
Term insurance sales increased by 50% among Indian millennials and self-employed.
Yes, you read it correctly. Term Insurance, one of the most popular products among Self-employed and millennials has increased its sales by 50% compared to last year's financial year. As, Term insurance offers insurance coverage at an affordable cost. Self-employed and millennials see it as a good option to save money and protect their families against unforeseen events.
Term Insurance FAQ's
1. What is the minimum age and income to buy term insurance?
To invest in a term insurance plan, the minimum age should be 18 years and the minimum income should be 2 Lakhs.
2. If a person dies due to natural calamity/disaster, will his family/nominee receive the sum assured?
No. Deaths under 'Act Of God' are not covered by term insurance policies.
3. How much tax will I save by buying term insurance?
Under Section 80C of the Income Tax Act, 1961, you can avail deductions up to Rs. 1.5 lakhs.
4. I occasionally smoke with my friends. Do I need to disclose this information while buying term insurance?
If you have smoked in the past 12 months, you have to disclose it to your insurance provider. If you don't disclose it right away and reveal it later, you may be charged with a high premium or your provider may cancel your policy (denying any benefits).
5. I have diabetes. Can I get myself insured under term insurance?
If your diabetes is in control (with regular treatment and a healthy lifestyle), you will be eligible to buy term insurance. However, if you have additional risks like hypertension, heart illness etc, your application can be rejected.
6. Do I need to declare myself as a tobacco user if I smoke occasionally?
You must declare yourself as a tobacco user if you have smoked in the last 12 months. The premium of your policy will be decided accordingly.
7. Why are premium rates higher for smokers than non-smokers?
Smokers are at a higher risk of getting ill as compared to non-smokers. That's why insurance companies charge higher premiums from them.
8. Can an NRI buy term insurance?
Yes, insurance companies offer term insurance plans, which are specially designed to fulfil the needs of NRIs.
9. If a person dies outside the Indian territory, will his nominee still receive the death benefit?
Yes. Once the policy is in effect, death of the policyholder (irrespective of the place) will be taken into consideration and the coverage amount will be given.
10. Can I change the duration of life cover after the policy is issued to me?
No, the duration of life cover cannot be changed once the policy is issued. It is set at the inception of the policy.
11. Can I increase my sum assured during the policy tenure?
Yes, some term plans allow you to increase the sum assured during different life stages. However, this depends on the plan's TnCs.
12. I want to port my term insurance policy from one insurer to another. Can I do that?
No, under the current guidelines issued by IRDAI, one can't port his/her term policy.
13. Is it possible to add a rider to an existing policy?
Some insurance companies allow riders to be added only at the inception of the policy. However, few insurance companies may allow them to be added only at the policy anniversary.
14. What if my policy has lapsed?
If you aren't able to pay the due premiums within the grace period, the policy will lapse and all benefits will be ceased. If you want to revive your policy, you need to pay all the arrears to the insurance company.
Note: Some insurance companies may even ask for medical reports for the revival of the policy.
15. What is the free look period and will I get a complete premium back if I cancel my policy?
Under the free-look period, you get 15 days to cancel the policy if you aren't satisfied with it. And you will get a refund of the premium paid (after deducting the necessary charges).
16. What happens if I discontinue paying the premiums?
In case you discontinue paying premiums of your policy, then the policy will lapse automatically. However, as per the IRDAI, every insurance company offers a grace period of 15/30 days. A policyholder has the option to pay his/her due premiums within that period.
17. How much time will it take to settle any claim?
The procedure of settling claims varies from insurer to insurer. Once all the documentation is completed as per the company's norms, the company may settle the claim within 30 days (may vary as per your chosen insurer).
18. What if the claim is rejected?
In case the term insurance claim is rejected, the nominee can re-apply for it. A written application needs to be submitted for the same. The nominee can even go to the consumer court if the company doesn't respond to the application.
19. Who will receive the claim if the nominee also dies with the assured?
In such cases, the legal heir of the claimant becomes the beneficiary. The legal heir can get the benefits only after attaining the age of 18. But his/her guardian must immediately inform the insurance company. The age criteria may depend completely on the provisions of the insurance companies or IRDA.
20. Who will receive the claim if the nominee dies before the policyholder?
When a nominee dies before the policyholder, it's the responsibility of the policyholder to nominate other beneficiaries. This can be done either online or by informing the customer care.
21. What is term insurance?
Term insurance or term policy is a life insurance policy, offering financial support to the beneficiary in the unfortunate event of the demise of the insured. This financial support is termed as a death benefit that is provided to the family of a policyholder if he/she dies during the active years of the policy.
22. What is the difference between term and life insurance?
The most common difference between term insurance and traditional life insurance plan is that a term insurance plan only provides a death benefit in case of demise of the insured within the term period, whereas a life insurance policy offers both death and maturity benefit to the insured.
23. Can we get money back/ return in Term insurance?
Term life insurance has no cash value, so if you outlive or cancel your policy, there's no refund or surrender value.
24. Do companies provide claims in death cases?
Yes, The claimant must submit the written intimation as soon as possible to enable the insurance company to initiate the claim processing. The claim intimation should consist of basic information such as policy number, name of the insured, date of death, cause of death, place of death, and name of the claimant.
25. What is the difference between online buying and buying from an agent?
Buying Term Insurance online will allow you to save time, compare and view plans at the click of a button and offer various payment options like net banking, credit/debit card, UPI, etc.
26. How much time will it take for the insurance company to provide a claim?
As per the time limits set by the Insurance Regulatory and Development Authority (IRDA) of India, insurers should settle death claims within 30 days. This condition applies to all claims where the insurer does not see the need to investigate the cause of death.
27. Will the company provide medical hospitalization costs?
A term life insurance policy offers financial security to your loved ones after the sudden demise of the policyholder while a health insurance policy covers your hospitalization expenses.
28. Will you cover suicide in term policy?
If the policyholder commits suicide within the first year of the policy term, then the nominee will not get the death benefit. However, most insurers provide suicide coverage from the second year onwards from the date of purchase of the policy, subject to terms and conditions.
29. Will you cover a murder in the death policy?
There are two different cases of such a situation.
The insurer will not settle the claim if the policyholder is murdered and investigations reveal the nominee was involved in the crime.
If the death of the policyholder is due to the involvement in criminal activity the insurer will not settle the claim.
30. Will all the deaths be covered under term insurance?
There are certain types of deaths that insurers do not cover like
murder of a policyholder
Death caused under the influence of alcohol
Policyholder doesn't disclose the habit of smoking
If the policyholder dies due to involvement in any hazardous activity
A boy-in-squares bagging escapades of switching streets in groove & sensing musical airy-notes from 6 1". Under wayed nyctophile sketching the walls of life from the panorama of anime.
No Gimmicks,No Spam. Genuine Advice from an Insurance Expert.
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