Friday, 03 October 2025

A gift of security starts with life insurance

When we get our first job, there is a long bucket list made but there is one thing that gets put off for too long, and that is buying a life insurance policy. Wonder why? Because we come from the mindset that life insurance is something you get “later”, after ticking off the “important” things such as savings, buying a house or car, EMIs, vacations, etc.

But then, one day, over a casual coffee, a friend says something that gets stuck with you - “If something were to happen to you tomorrow, will your family be able to carry on comfortably without you?” That statement can really hit hard, right?

Don’t keep things for later

We work so hard for our families, but are we really protecting them? Most of us spend our lives trying to create a good life for our loved ones. We buy homes, save for college, plan vacations, invest for the future. But somewhere in all that planning, we quietly ignore one uncomfortable possibility – that life doesn’t always go according to plan.

What if that plan suddenly ends; what happens to the people who counted on you? This is one question we cannot afford to dodge.

Is life insurance that important?

What’s the first thought that comes to our mind? “I have savings. That should be enough, right?” Wrong! Savings take time to build, and life is expensive. There are bills to pay, education fees, aging parents, rent, groceries, and about 50 other things that hit your account every month.

Even a well-earning family can struggle to stay afloat if that monthly income suddenly disappears. That’s when you realize that life insurance isn’t a luxury. It’s not even a “nice-to-have.” It’s the baseline, the safety net that says: No matter what happens to me, my family will not suffer.

We believe in insuring our homes, our cars and even our phones, but when it comes to insuring ourselves and our family, there is so much hesitation.

We keep pushing that agenda away to the next month or after this investment or even saying that there is time because “I eat healthy, and I exercise.”

How do I know what’s best suited for me?

There are some who wonder what is the right amount of insurance that is required. So, here’s a golden rule that everyone should follow. Your life cover should be at least 10 times your annual income. Sounds like a lot, but it’s not expensive.

Buying the right insurance policy is extremely hassle-free, especially with online term plans – it’s efficient, you have the opportunity to compare plans, and the premiums are affordable, sometimes, even lesser than your OTT subscription. All you need to do is just start.

The process is simple! There is no mountain of paperwork or long medical tests. Now with digital applications and doorstep medicals, you can buy a policy as quickly as probably booking flights.

But remember, a life insurance policy cannot be chosen based on the amount of premium you can pay. It is imperative that you evaluate key parameters before making a decision:

What stage of life you are in
Your dependents and liabilities
Your long-term financial goals

Protection before savings or returns

A simple online calculator or a financial advisor can help you strike the right balance between premium and protection.

Keeping the affordability aspect in mind, a great product to consider would be Keeping the affordability aspect in mind, a great product to consider would be Reliance Nippon Life’s Super Suraksha Plans designed specifically to offer high life cover at extremely affordable premiums. These plans are ideal for individuals who want strong protection without straining their monthly budget. With flexible coverage options and a streamlined buying process, Super Suraksha helps you secure your family’s future without compromise.

The first thought - “My company already gives me life insurance. Isn’t that enough?”

It’s a good start but here’s what most people don’t realise: employer-provided insurance won’t last forever. It typically ends the moment you leave the job, retire, or switch companies. And often, the cover isn’t even close to what your family would actually need if something happened to you.

That’s why it’s important to have your own life insurance, one that stays with you, no matter where you work or what life throws your way. Because your family’s security shouldn’t depend on your next job switch.

“Skipping few health details should be fine” – bad idea!

It might seem harmless to leave out a medical condition or say you are a non-smoker when you are not, but insurers take this stuff seriously. If something happens and your claim gets denied because of non-disclosure… your family ends up paying the price.

So, be completely honest. Being upfront ensures you get a policy that truly fits your health profile and avoids any last-minute surprises during claims.

“Do I need to update my policy regularly?”

Yes. Life doesn’t stand still, your insurance shouldn’t either. It’s important to keep your policy updated every time you move to another city or change or contact details or get married or have a child. This ensures that when the time comes, your family doesn’t run into unnecessary delays or confusion.

Just take a pause and do it!

Life is full of distractions. But some things need to be prioritised. Life insurance is one of them. If you have been postponing it, let this be your sign to stop waiting. Get the right cover. Review what you have. Make sure your details are updated. At the end of the day, life insurance isn’t about paperwork or policies, it’s about making sure your loved ones are okay, even if you are not around to say it; and that’s a legacy worth leaving.

Discover the peace of mind that comes with our Life Insurance plans – click here.

because your loved ones deserve more than just security, they deserve certainty.

Mktg/RNLIC/blog_gift secure/V1/Jul25

RNL Super Suraksha Term Plans – These feature two products RNL Super Suraksha Elite, a non-linked non-participating individual pure risk /savings Life Insurance Plan (UIN: 121N148V01) & RNL Super Suraksha Plus, a non-linked non-participating individual pure risk /savings Life Insurance Plan (UIN: 121N149V01) . T&C Apply.

CIN: U66010MH2001PLC167089.

Visit Us: https://www.reliancenipponlife.com/

Disclaimer: https://bit.ly/3J4dvxK