Insurance is the best financial product overcome major risks in life, premium payments should be treated as necessary expense!
But with too much of noise around, you hear yeh kara lijiye yeh best policy hai, woh toh hona hi chahiye (go for this, this is the best, this is the must-have), we end up paying higher premium, say no unnecessary noise and set the target right!
Get the major coverage with optimal premium payment, build a portfolio for your family and future risk.
For example: Agents are pinching 100 year term insurance, which is not necessary for a person upto 65 years a man need to cover his family, by that time your children becomes the breadwinner, the rest of the premium can be used to start a good sip which can be used as retirement saving.
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