DEPENDANTS
People who rely on you
This may include a spouse, children, ageing parents or anyone whose essentials depend on your support.
LIFE PROTECTION
Protect the plans your family depends on.
Life protection is not only about a policy. It is about helping ensure that the financial goals depending on your income can continue even when life does not go according to plan.
START WITH RESPONSIBILITIES
Who may need to think about life protection?
A protection conversation can be useful whenever someone else’s financial stability depends on your income, care or commitments.
RESPONSIBILITIES
Goals with a long horizon
Education, housing and other goals may need a plan that accounts for an unexpected loss of income.
LIABILITIES
Loans and commitments
Outstanding liabilities can affect the financial choices available to the family left behind.
CHANGE
A plan that needs review
Responsibilities change over time. Existing protection should be revisited rather than assumed to remain suitable.
A PROTECTION REVIEW
What should a protection review consider?
There is no universal fixed amount of cover that fits every family. A useful review starts with the people, goals and resources that make your situation different.
01
Financial dependants
Who relies on your income or financial support today, and who may rely on it in the future?
02
Income replacement
Consider how your family would manage essential living costs if your income stopped unexpectedly.
03
Loans and liabilities
Outstanding home, education or personal liabilities may need to be part of the review.
04
Children’s future goals
Education and other long-term goals can continue to matter even when circumstances change.
05
Existing savings and assets
Savings and assets may already support some responsibilities; consider them alongside cover.
06
Changing responsibilities
Marriage, children, business commitments, a new loan or a career change can alter what should be reviewed.
ALREADY HAVE LIFE INSURANCE?
Existing protection can still deserve a thoughtful review.
A policy you already hold may be an important part of your plan. Reviewing it does not automatically mean buying another policy.
It can mean checking how the cover, ownership, nominees, exclusions, term and premiums relate to your current responsibilities, liabilities and future goals.
BROADER FINANCIAL PLANNING
Life Insurance / LIC of India can be one part of a wider plan.
Manejar Singh works with Life Insurance / LIC of India as part of broader financial-planning services. The starting point is a conversation about your goals, responsibilities and choices—not an automatic product recommendation.
A useful next step
Bring your current responsibilities and existing protection into a review that is educational, personal and clear about its assumptions.
Discuss My Family ProtectionSTART WITH YOUR GOALS