It is recommended that you have a coverage of 10-15 times your annual income. But your liabilities, current and future expenses, are the main factors that you must take into account while calculating the term cover amount.

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Over the last year and a half, the realization about the importance of life insurance has grown rapidly. This is natural given the scale of the COVID-19 pandemic. The fear of being infected, and not being able to do enough for your family in case of an unfortunate incident, has become even more real during the second wave. At a daily average of over four lakh cases during the first week of May, the second wave saw the daily number of cases rise to four times the peak of the first wave.

In this backdrop, one aspect of life has become amply clear: the future belongs to only those who stay prepared for it. This is where a term life insurance policy comes in. While no one can disagree that life is priceless and a lost soul cannot be replaced, a term life insurance policy can make sure that your family can go on to live a decent life even in your absence. All you need to do is choose your nominee, pay a small premium amount to the insurer for a specific number of years and, in return, the insurer promises to pay a large cover amount to your family in case you die during that tenure. While there are various types of insurance products available in the market, term insurance offers comparatively much higher life coverage for the lowest premium amount. That is why it is among the most preferred and reliable life insurance options advised by most experts.

How to determine the right cover for you

While there is no standard rule for how much insurance coverage you should take, it is recommended that you have a coverage of 10-15 times your annual income. However, not every individual and family have the same requirements, nor do they live in similar circumstances. Hence, determining the term insurance cover that is suitable for your family is not a one-size-fits-all process. Your liabilities, current and future expenses, are the main factors that you must take into account while calculating the cover amount.