Life insurance allows you to provide for your family, in the event of your not being there. It is not mandatory - but can you afford to NOT have it?

At apnainsurance, we will try and ensure that you have all the facts you need to ensure that your insurance needs are adequately met. In that vein, here are some pointers that might help you before you decide on a life insurance policy.

How long should I be insured?
How much insurance do I need?
What is life insurance?
Do I need life insurance? 

Types of Life Insurance Plans 
Basically, life insurance refers to term insurance. But there is a bewildering variety of life insurance plans out there. They vary through different parameters such as coverage, exclusions, riders, and cost. The types of life insurance plans include:

Children's Life Insurance Policies
Endowment Insurance Plans
Money-back Life Insurance Plan
Term Life Insurance Plan
ULIPs
Whole Life Insurance Plans

Riders 
Riders are additional benefits that can be purchased with a life insurance policy to spread the risk cover. It is important to select the right rider to go along with your life insurance cover. The important riders include:

Accidental Death Benefit Rider
Accidental Disability/Dismemberment Benefit Rider
Critical Illness Benefit Rider
Guaranteed Insurability Option Rider
Hospital Cash Benefit Rider
Life Guardian Benefit Rider
Waiver of Premium Rider
Term Rider
Riders - How they work

Process of Buying Life Insurance
This section deals with the process to buy life insurance and the dos and don'ts to be noted while purchasing life insurance. The answer to the question whether you are alone (or not) in the endeavor to provide adequate cover to you life is answered here.

Insurance and Investment 
This is another one for the ages - how good is it to use insurance as an investment tool? The debate doesn't look like ending any time soon, so we let you judge for yourself.

Costs and Premiums
In this section, you understand the cost of your life insurance. And how you can try and get maximum benefit for the money you spend on your life insurance.

Cost of Life Insurance
Reducing life insurance premium costs 

Claims
You have done the right thing by you and your family and covered yourself adequately. How about an actual claim? How would you go about that? We try to explain the answers to such questions in this section. Read on..

What does my family receive when I die within the term of my life insurance policy?
Survival Benefits for Different Insurance Plans
How to collect maturity amount from insurer
What are the circumstances where death claims are not payable?

FAQs
If you still haven't found what you are looking for, we have a detailed FAQ section for you. A quick reference through any questions that may arise when you think life insurance, such as: 'I already have a health insurance policy; should I still buy a life insurance policy with riders?', or 'Will my premium amount increase after I have bought the policy?'

FAQs on Life Insurance Basics
Life Insurance FAQs on Premiums
Life Insurance FAQs on Claims
Life Insurance FAQs on Insurance Company and Insurance Agent