We must explain to you how all seds this mistakens idea denouncing pleasures and praising account.
A Term Insurance Plan is the most basic and affordable form of life insurance. You pay a fixed premium every year for a set number of years, and if something happens to you during that period, your family gets the promised sum of money (also called the “sum assured”). It ensures that your loved ones will not face financial hardship if you’re no longer around to support them.
But here’s the truth: Not all term plans are equal.
Some offer great coverage but have hidden exclusions. Others may look cheap but give poor service during claim settlement. Many people buy term plans without understanding what’s truly best for them. That's where we come in.
At CallMyCA, we guide you step-by-step to choose the right term insurance plan that fits your income, age, liabilities, and family needs — not just now, but for the next 20–30 years. Whether you're a salaried person, freelancer, business owner, or planning to start a family soon, we tailor our advice to you, not to the insurance company’s interests.
Know that your family won’t struggle financially if something happens to you.
Whether you’re 25 or 45, single or married, we match your policy with your life.
We’re not tied to any one insurance company. Our only focus is your benefit.
We compare top policies to make sure you don’t overpay for less.
We help you choose a company with a high chance of paying when it matters.
Like accidental death, critical illness, waiver of premium – explained clearly.
You can get deductions under Section 80C — we help you plan that too.
Depending on your comfort level, we guide you through the best method.
We remind you when it’s time to increase or modify your coverage as life changes.
Even if you save money, it may not be enough to replace your full income for the next 20-30 years. Term insurance gives your family a big safety net, like Rs. 1 crore or more, for a small annual payment. Your savings are good, but term insurance adds powerful protection.
The earlier, the better. Buying in your 20s or 30s means lower premiums for the same cover. Waiting till your 40s or 50s means higher premiums, and possible medical conditions that may increase the cost or limit coverage.
A simple rule is: take coverage of at least 15 to 20 times your annual income. If you earn Rs. 10 lakhs a year, a cover of Rs. 1.5–2 crores is ideal. Add more if you have loans, dependents, or a single-income household.
Usually yes, if you're taking a high sum assured (Rs. 50L+), or if you’re above 40. Medicals help avoid claim rejections later. It’s better to disclose everything and take the test — transparency helps in claim approval.
Riders are add-ons you can buy with your base plan, like accidental death, critical illness, or waiver of premium. They cost a little extra but give you extra protection. We'll help you choose only those that are truly needed.
Both are fine if you know what you’re doing. Online is usually cheaper, but many people miss key terms. With CallMyCA, you get guided help no matter the method, with a full explanation of what you’re buying.
Some insurers offer limited coverage for non-earning spouses, especially if the main earning member is already insured. We’ll help check eligibility and suggest alternatives like joint life cover if needed.
Most insurers give a 15-30 day grace period. If you miss beyond that, the policy lapses — no cover, no refund. We’ll remind you in time, and even help you revive the policy if you miss it.
Yes, many insurers allow you to increase cover on life events like marriage, having a child, or getting a promotion. It’s better to take a slightly higher cover now if you expect changes soon.
If you disclosed everything truthfully and took the medical test if asked, the claim cannot be rejected after 3 years under Section 45 of the Insurance Act. We help you file everything properly so your family doesn’t suffer.
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