Assess your financial dependents’ needs, such as living expenses, loans, and long-term goals like children’s education or retirement.

Choose an adequate sum assured that can support your family even in your absence.

Decide the policy tenure based on your working years and financial responsibilities.

Compare different policy types (term, savings, ULIP) based on your risk appetite and goals.

Ensure the premium fits comfortably within your budget for the entire policy term.

Declare all personal information accurately to avoid claim-related issues later.

Read the policy exclusions, waiting periods, and claim settlement process carefully.