Term insurance is not a product.
It is income continuity for your family.
Most families don’t suffer financially because insurance didn’t exist.
They suffer because the right coverage was never planned properly.
At PaisaNurture, our Certified Financial Planners (CFPs) help you decide how much term insurance you truly need, till when, and why — before any policy is selected.
The Uncomfortable Truth
Why Term Insurance Decisions Often Go Wrong
Term insurance mistakes are usually permanent.
- Coverage chosen based only on premium
- Arbitrary multiples of income without responsibility mapping
- Policy ending before financial responsibilities end
- No review after marriage, children, or loans
- Family unsure how to use the claim amount
A wrong decision here doesn’t show immediately —
it shows when the family needs it the most.
PaisaNurture Philosophy
Pure Protection. Zero Mis-Selling.
At PaisaNurture:
- We recommend only pure term insurance for life cover
- We do not mix insurance with savings unnecessarily
- We are not tied to any one insurance company
- We don’t oversell, undersell, or upsell
Our commitment is simple:
Right coverage, right duration, right structure.
Our CFP Term Insurance Framework
What We Evaluate Before Any Recommendation
Before suggesting a term plan, we assess:
- Who financially depends on you
- Till what age your income is required
- Monthly expense replacement needs
- Outstanding loans and future liabilities
- Children’s education and other goals
- Existing insurance coverage
- Inflation impact on family lifestyle
Only after this clarity do we determine:
- How much coverage is required
- Till when coverage should continue
- Which premium payment structure suits you
Term insurance is not about death.
It is about protecting life after death.
Key Planning Questions Answered
Till when should term insurance be taken?
Ideally till:
- Your dependents become financially independent, or
- Your retirement corpus is fully secured
This is usually up to age 60–65, but varies by individual.
It also brings:
How much coverage is enough?
Coverage should be sufficient to:
- Replace income for dependents
- Clear all liabilities
- Secure children’s education goals
- Create long-term stability
There is no universal number — only a right number.
Premium payment options
Depending on cash flows, you may choose:
- Regular pay
- Limited pay (pay for fewer years, stay covered longer)
- Single pay
The choice affects flexibility, not protection.
When should term insurance be reviewed?
A review is recommended when:
- Income changes significantly
- Marriage or children happen
- Major loans are taken
- Responsibilities increase
Old policies may no longer be adequate.
How Claim Money Should Be Used
Guidance Your Family Actually Needs
A large lump sum without guidance can be overwhelming.
We help families understand how claim proceeds can be:
- Used to replace monthly income
- Structured into regular cash flow
- Allocated for education and long-term needs
- Invested prudently to preserve capital
Protection doesn’t end at policy issuance.
Family support matters.
Who This Is For / Who This Is Not For
This is for you if:
- You have financial dependents
- You want clarity, not just a policy
- You value protection over product hype
- You want your family supported even in your absence
This is NOT for you if:
- You want the cheapest premium without analysis
- You believe one formula fits everyone
- You don’t intend to review coverage over time
What Working With PaisaNurture Looks Like
- CFP-led clarity discussion
- Responsibility & coverage assessment
- Insurer and structure recommendation
- Seamless execution across best-fit insurer
- Periodic reviews and family guidance
No pressure.
No fear selling.
Only responsible advice.
Why Families Trust PaisaNurture
- 1000+ families guided across protection and planning
- Certified Financial Planner-led advice
- Multi-insurer, unbiased recommendations
- Long-term advisory relationships
- Zero mis-selling commitment
