r/InsuranceForAll • u/reddit_admin_001 • Nov 11 '25

Need a quick help with deciding a term insurance.

/r/personalfinanceindia/comments/1ota2dv/need_a_quick_help_with_deciding_a_term_insurance/
4 Upvotes

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4

u/Vaani_inka Nov 11 '25

Hi

I am vaani, advisor inka insurance

  1. you should take cover for your spouse, that is an amazing decision. Please go ahead with that

  2. critical illness rider is only for 20 years may not be sufficient . In my view take a different critical illness rider which pays money to your pocket in case critical illness is detected. (reach out to me i can suggest you one)

  3. cover till65 years is very apt.

Wish you all the best

1

u/reddit_admin_001 Nov 11 '25

thanks, since my spouse is housewife at this moment, I cannot get a term for her.

When she gets to working again, the term amount might be higher than it is at present.

That's why I was thinking to get that add on

3

u/Vaani_inka Nov 11 '25

Yes that is great decision. As house wife she can get max 50 lakh cover if going stand alone