Which Life Insurance to Buy in India
- Manan Mehta
- Nov 19
- 16 min read
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Which Life Insurance to Buy in India
Life insurance is one of the most misunderstood financial products in India. Millions of people either buy the wrong policy, pay 10-20 times more than necessary, or avoid buying altogether—all equally dangerous mistakes.
This comprehensive guide reveals exactly which life insurance you should buy, how much coverage you need, which features matter, and which expensive add-ons insurance agents push that you should completely ignore. Once you've read this guide, you'll know exactly what life insurance to buy in India.
Why Life Insurance Is Essential (But Not for the Reason You Think)
Let's start with a fundamental truth that changes everything: Life insurance is not actually "life" insurance. It's income replacement insurance.
Your life is invaluable and cannot be replaced by money. What life insurance does is create a financial replica of you — something that can earn money like you, support your family like you, and pay bills like you, except this replica only activates when you die.
The Real Purpose: Protecting Your Family's Financial Future
Consider what happens when a family's primary breadwinner dies unexpectedly:
Monthly expenses continue: Rent/EMI, groceries, children's school fees, utilities, medical expenses
Outstanding loans remain: Home loans, car loans, personal loans—someone has to pay these EMIs
Future financial obligations don't disappear: Children's education (₹20-50 lakh for college), their weddings (₹10-30 lakh), parents' medical care
Retirement corpus may never materialize: The surviving spouse must use current income to meet current expenses, leaving nothing for retirement savings
Without adequate life insurance, a single unexpected death can financially destroy an entire family for generations. With proper coverage, your family maintains their lifestyle, completes their education, and achieves their goals—exactly as if you were still providing for them.
Term Insurance: The Only Life Insurance You Should Buy
Here's the most important advice in this entire guide: Buy pure term insurance. Ignore everything else.
What Is Term Insurance?
Term insurance is stunningly simple: You pay a fixed premium every year (say ₹10,000-15,000). The insurance company promises to pay a large sum (₹1-10 crore) to your family if you die during the policy term. If you outlive the policy, you get nothing back.
Example:
You: 30-year-old healthy male, non-smoker
Coverage: ₹1 crore
Policy term: 30 years (till age 60)
Annual premium: ₹10,000-12,000
Total paid over 30 years: ₹3-3.6 lakh
Your family receives if you die: ₹1 crore
That's a 300-500x protection ratio—you pay ₹3-4 lakh to potentially deliver ₹1 crore to your family.
Why Term Insurance Beats Everything Else
Let's compare term insurance with other "life insurance" products:
Feature | Pure Term | Traditional Endowment/Money-Back | ULIP |
₹1 Cr Cover Annual Premium | ₹10,000-15,000 | ₹2-3 lakh | ₹1.5-2 lakh |
Total Paid (30 years) | ₹3-4.5 lakh | ₹60-90 lakh | ₹45-60 lakh |
Death Benefit | ₹1 crore | ₹1 crore | ₹1 crore |
Maturity Benefit if You Survive | ₹0 | ₹60-80 lakh | ₹50-70 lakh (variable) |
Investment Returns (if survives) | N/A | 4-6% | 6-10% (market-linked) |
The Truth Behind "Returns":
Traditional and ULIP plans sound attractive because you "get money back" if you survive. But let's do the math:
Endowment Plan:
Pay ₹2.5 lakh annually for 30 years = ₹75 lakh paid
Get ₹75 lakh back after 30 years
Net gain: ₹0 (or maybe ₹5-10 lakh)
Actual return: 0-3% (worse than inflation!)
Compare this to:
Term Insurance + Separate Investment:
Term premium: ₹12,000/year
Invest remaining ₹2.38 lakh in mutual funds at 12% returns
After 30 years: ₹8.5 crore accumulated
Plus ₹1 crore insurance protection throughout
You end up with ₹7.75 crore more by separating insurance from investment!
Why Do Agents Push Traditional Plans?
Simple: Commission.
Term insurance commission: 10-20% of first-year premium (₹1,200-2,400 on ₹12,000 premium)
Traditional plan commission: 15-40% of first-year premium (₹37,500-1,00,000 on ₹2.5 lakh premium)
Agents earn 30-80 times more by selling you traditional plans. That's why they'll tell you term insurance is "wasted money" if you survive—it's a lie designed to fatten their commissions while draining your finances.
Recommendation: Buy only pure term insurance. Never mix insurance with investment.
If you want someone to assist you with your investments or insurance and grow your wealth, feel free to contact us. Our team of experts will be happy to help. You can also email us at help@reymanwealth.com
How Much Life Insurance Coverage Do You Actually Need?
This is perhaps the most critical decision. Buy too little coverage and your family struggles financially despite having insurance. Buy too much and you're wasting premium money unnecessarily.
The 10-15x Annual Income Rule (Quick Estimate)
A simple starting point:
Your Age × Annual Income Multiplier = Coverage Amount
Age Range | Income Multiplier |
Below 35 years | 15x annual income |
35-50 years | 12x annual income |
Above 50 years | 10x annual income |
Example:
Age: 32 years
Annual income: ₹12 lakh
Required coverage: 15 × ₹12 lakh = ₹1.8 crore
This method is quick but imprecise—it doesn't account for your actual expenses, liabilities, or future needs.
The Better Method: Expense Replacement Calculation
This calculates exactly how much your family needs to maintain their lifestyle until your financial dependents become independent.
Step-by-Step Calculation:
Step 1: Calculate annual family expenses
House rent/EMI: ₹3.6 lakh (₹30,000/month)
Children's education: ₹2.4 lakh
Household expenses (food, utilities, help): ₹3 lakh
Transportation: ₹1.2 lakh
Medical/misc: ₹1.8 lakh
Total: ₹12 lakh per year
Step 2: Determine how many years of protection needed
Usually until age 60 (when children are independent and retirement corpus exists)
Current age: 30
Years of protection needed: 30 years
Step 3: Account for inflation
Expenses will rise 5-6% annually
₹12 lakh today becomes ₹18 lakh in 10 years, ₹27 lakh in 20 years
Using proper inflation adjustment: ₹4.5-5 crore total needed
Step 4: Subtract existing assets
Current savings/investments: ₹20 lakh
EPF/gratuity expected: ₹15 lakh
Net required: ₹4.5 Cr - ₹35 lakh = ₹4.15 crore
Recommended Coverage: ₹4-4.5 crore
Coverage Recommendations by Life Stage
Single, No Dependents (20s):
Coverage: ₹50 lakh - ₹1 crore
Why: Covers parents if they're financially dependent, outstanding loans
Strategy: Start with lower coverage, increase as family responsibilities grow
Married, No Children (Late 20s-Early 30s):
Coverage: ₹1-1.5 crore minimum
Why: Spouse may not be working or earning less, home loan EMI, future children planned
Strategy: Opt for life stage benefit to increase coverage when children arrive
Married with Young Children (30s-40s):
Coverage: ₹2-5 crore
Why: Peak financial responsibility—children's education (₹20-50 lakh), home loan (₹50 lakh-1 crore), spouse's needs for 20-30 years
Strategy: This is when you need maximum coverage
Children Grown, Nearing Retirement (50s):
Coverage: ₹1-2 crore
Why: Reduced dependents, loans nearly paid off, retirement corpus building
Strategy: Coverage can be lower as financial obligations decrease
Common Coverage Mistakes to Avoid
Mistake 1: Buying Based on Premium Affordability
"I can only afford ₹10,000 premium, so I'll buy ₹50 lakh coverage."
Problem: ₹50 lakh is woefully inadequate. One year of expenses for a middle-class family is ₹6-10 lakh. Your ₹50 lakh will be exhausted in 5-8 years, leaving your family unprotected for decades.
Solution: If premium is genuinely unaffordable, buy adequate coverage for shorter term (till age 50-55) rather than inadequate coverage for longer term.
Mistake 2: Ignoring Inflation
Buying ₹1 crore coverage today thinking it's adequate, without realizing that ₹1 crore in 20 years will have the purchasing power of ₹35-40 lakh today (at 5% inflation).
Solution: Either buy higher coverage now (₹2-3 crore instead of ₹1 crore) or opt for increasing cover rider.
Mistake 3: Reducing Coverage to Save Premium
Agents might suggest, "Buy ₹75 lakh coverage instead of ₹1.5 crore to cut premium by 40%."
Problem: The ₹4,000-5,000 you save annually is meaningless compared to leaving your family ₹75 lakh short during their most vulnerable time.
Solution: Coverage amount is non-negotiable. Reduce policy term if necessary, but never compromise on adequate coverage.
Choosing the Right Policy Term: How Long Do You Need Protection?
Policy term determines until what age your family receives coverage if you die. Most policies offer terms from 10-40 years.
The 60-Year Sweet Spot
Recommendation: Buy term insurance until age 60-65, not beyond.
Why 60-65?
Children are independent: By age 60, your children are 30-40 years old, working, and financially independent
Retirement corpus exists: You've accumulated ₹1-2 crore in EPF, PPF, mutual funds, and other investments
Loans are repaid: Home loan and other major debts are cleared
Reduced dependents: Spouse has retirement savings and lower expenses
Essentially, by age 60, your family doesn't need a large lump sum to replace your income because they're financially stable.
Why Not Buy Beyond Age 70?
1. Premiums Skyrocket
Life expectancy in India is approximately 70 years. Insurance companies know death probability increases dramatically after 65.
Premium Comparison (₹1 Cr coverage):
Age 30, term till 60 (30 years): ₹12,000/year
Age 30, term till 70 (40 years): ₹22,000/year
Age 30, term till 75 (45 years): ₹35,000/year
You pay 2-3x more for coverage beyond age 65, and by then, your family shouldn't need it.
2. Defeats the Purpose
If you still need income replacement insurance at age 70-75, it means your investment and retirement planning has failed catastrophically. You should have accumulated sufficient wealth by 60 to make life insurance unnecessary.
Policy Term Based on Current Age
Your Current Age | Recommended Policy Term | Covers You Until |
25 years | 35 years | Age 60 |
30 years | 30 years | Age 60 |
35 years | 25 years | Age 60 |
40 years | 20 years | Age 60 |
45 years | 15 years | Age 60 |
50 years | 10-12 years | Age 60-62 |
Special Cases:
Late marriage/children: If you have children in your 40s, extend coverage to age 65 to ensure they're through college
Very high loans: If you have ₹75 lakh+ home loan taken at age 40, extend coverage till loan is fully repaid
If you want someone to assist you with your investments or insurance and grow your wealth, feel free to contact us. Our team of experts will be happy to help. You can also email us at help@reymanwealth.com
What Claim Settlement Ratio Means for You
A 99%+ CSR means the insurer pays virtually every legitimate claim. A 96% CSR means 4 out of 100 families face claim rejection—a catastrophic outcome after paying premiums for years.
Recommendation: Only buy from insurers with 99%+ Claim Settlement Ratio.
Best Term Insurance Plans in India (2025)
Note that these are not recommendations from us. These are simply based on CSR, premium competitiveness, features, and customer reviews:
1. HDFC Life Click 2 Protect Supreme
Coverage: ₹10,000 - Unlimited
CSR: 99.97%
Key Features: Life stage increase option, critical illness cover, accidental death benefit
Premium (30-year male, ₹1 Cr, 30 years): ₹706/month
Why It's Top-Rated: HDFC's brand trust, excellent CSR, comprehensive features, competitive premium
2. Axis Max Smart Term Plan Plus
Coverage: ₹25 lakh - ₹20 crore
CSR: 99.79%
Key Features: Life cover, increasing cover options, terminal illness benefit
Premium: ₹578/month (approximate)
Why It's Top-Rated: Highest CSR among major private insurers, affordable, flexible options
3. ICICI Prudential iProtect Smart Plus
Coverage: ₹50 lakh - ₹20 crore
CSR: 97.09% (lower but high volume, established trust)
Key Features: Multiple payout options, life stage cover, premium return option
Premium: ₹432/month
Why It's Top-Rated: ICICI brand strength, digital-first approach, comprehensive riders
4. Tata AIA Sampoorna Raksha Promise
Coverage: ₹25 lakh - No limit
CSR: 99.58%
Key Features: Premium waiver on critical illness, terminal illness accelerated payout
Premium: Competitive
Why It's Top-Rated: Tata brand trust, strong CSR, customer-friendly features
5. Max Life Smart Secure Plus
Coverage: ₹25 lakh - ₹50 crore
CSR: 99.65%
Key Features: Inbuilt coverage increase, joint life option, premium holiday
Premium: Very competitive for young buyers
Why It's Top-Rated: One of India's most popular term plans, excellent features, strong financial backing
Term Insurance Riders: Which Ones Are Worth Buying?
Riders are optional add-ons that enhance your basic term plan. Some are valuable; most are marketing gimmicks.
Riders You Should Seriously Consider
1. Waiver of Premium on Critical Illness (Highly Recommended)
What It Does: If you're diagnosed with a critical illness (cancer, heart attack, kidney failure, etc.), the insurer waives all future premiums. Your policy continues without you paying anything.
Why It's Valuable:
Imagine you're 40, diagnosed with cancer. Treatment costs ₹15-25 lakh (covered by health insurance). But you can't work for 1-2 years. Your income stops. Your family struggles with daily expenses.
The last thing you need is worrying about paying ₹15,000 annual term insurance premium. With this rider, the insurer says, "Your policy continues, don't worry about premium."
Cost: ₹500-1,500 extra annuallyRecommendation: Absolutely worth it
2. Waiver of Premium on Permanent Disability (Highly Recommended)
What It Does: If you become permanently disabled (lose two limbs, paralyzed, permanently blind), your future premiums are waived while policy continues.
Why It's Valuable:
Permanent disability is financially devastating—you can't work, medical costs skyrocket, family becomes dependent on single income or savings. Having your term insurance continue without premium burden is invaluable.
Cost: ₹300-1,000 extra annuallyRecommendation: Strongly recommended
3. Critical Illness Benefit (Conditionally Recommended)
What It Does: If diagnosed with covered critical illness, insurer pays you 10-100% of sum assured immediately (₹10 lakh - ₹1 crore). This money is yours to use for treatment, loss of income, or any purpose.
The Catch: The payout is deducted from your total sum assured. If you have ₹1 crore cover with ₹25 lakh critical illness rider, and you claim it, your remaining death benefit reduces to ₹75 lakh.
Why It Can Be Valuable:
Covers loss of income during treatment (6 months to 2 years off work)
Allows accessing best treatment without financial stress
Family can focus on your recovery, not finances
When to Buy:
Family has only one earning member
You work in high-stress job with heart disease/stroke risk
Family history of cancer or critical illnesses
When to Skip:
You have comprehensive health insurance with high cover (₹15-20 lakh+)
Two earning members in family
Substantial emergency fund exists
Cost: ₹1,500-3,000 extra annuallyRecommendation: Valuable for single-income families
Riders You Probably Don't Need
1. Accidental Death Benefit (Usually Not Worth It)
What It Does: If you die in an accident, your family receives additional sum assured (₹25-50 lakh on top of base ₹1 crore).
Why It's Usually Not Necessary:
You're already buying adequate cover (₹1-5 crore)
Whether you die in accident or illness, your family's financial need is the same—they need full cover, not "extra" cover for accidents
Better to increase base cover from ₹1 Cr to ₹1.25 Cr than buy ₹1 Cr base + ₹25 lakh accident rider
Cost: ₹500-1,500 annuallyRecommendation: Skip it and buy higher base cover instead
2. Terminal Illness Benefit (Rarely Worth It)
What It Does: If diagnosed with terminal illness (less than 6-12 months to live per doctor's certification), insurer pays entire sum assured immediately.
Why It's Rarely Used:
Very difficult to get doctor's certification that you'll die within 6 months
Insurers often dispute terminal illness claims
By the time you get approval, you might have already passed away
If you survive beyond prediction, you've used up your cover
Recommendation: Skip it
3. Increasing Cover Rider (Expensive, Better to Buy Higher Initial Cover)
What It Does: Your sum assured increases by 5-10% annually automatically to beat inflation.
Example:
Year 1: ₹1 crore
Year 5: ₹1.46 crore (at 10% annual increase)
Year 10: ₹2.36 crore
Why It's Problematic:
Premium for this option is 50-60% higher than regular term plan. You're essentially pre-paying for future coverage increases.
Better Alternative: Buy adequately high coverage from start (₹2-3 crore instead of ₹1 crore) factoring in 20-30 years of inflation. The premium difference is less than increasing cover rider.
Recommendation: Skip it; buy inflation-adjusted high coverage from day one
4. Return of Premium (AVOID - Defeats Term Insurance Purpose)
What It Does: If you survive the policy term, insurer returns all premiums paid.
The Trap:
Premium is 2-3x higher than regular term plan
Premium for ₹1 Cr without ROP: ₹12,000/year
Premium for ₹1 Cr with ROP: ₹30,000-35,000/year
Extra paid over 30 years: ₹5.4-6.9 lakh
Reality Check:
Invest that extra ₹18,000-23,000 annually in mutual funds at 12% returns. After 30 years, you accumulate ₹5.5-7 crore. The ROP option returns your ₹10.5 lakh premiums—you're ₹5-6 crore poorer!
Recommendation: Never buy ROP. It's term insurance disguised as investment, giving you worst of both.
Common Mistakes to Avoid When Buying Term Insurance
These mistakes cost lakhs and leave families unprotected.
Mistake 1: Delaying Purchase
The Mistake: "I'm only 25, healthy, and single. I'll buy insurance when I get married or have kids."
The Cost:
Age 25 premium (₹1 Cr, 35 years): ₹9,000/year
Age 35 premium (₹1 Cr, 25 years): ₹16,000/year
By waiting 10 years, you pay ₹7,000 more annually. Over 25 years, that's ₹1.75 lakh extra—plus you had ZERO protection for 10 crucial years.
Worse: If you develop diabetes, hypertension, or other conditions between 25-35, insurers either reject you, increase premiums 30-50%, or impose exclusions.
Solution: Buy term insurance as soon as you start earning, even with ₹50 lakh coverage initially.
Mistake 2: Hiding Pre-Existing Conditions
The Mistake: "I'll hide my diabetes/hypertension to get lower premium."
The Consequence:
Insurers have 3 years to investigate claims. If they discover you lied during purchase, they can reject the claim entirely. Your family gets NOTHING despite paying premiums for years.
Even after 3 years, if death is directly related to the hidden condition, insurers can still dispute.
Solution: Always disclose all pre-existing conditions, smoking habits, family medical history. Better to pay 20-30% higher premium than face claim rejection.
Mistake 3: Buying Based on Premium Alone
The Mistake: "Company A offers ₹1 crore for ₹8,000/year. Company B charges ₹12,000/year. I'll buy from Company A!"
The Problem:
Company A might have 94% CSR (rejects 6% claims)
Company B might have 99.8% CSR (pays virtually all claims)
Would you save ₹4,000/year knowing there's 6% chance your family gets nothing?
Solution: Always prioritize CSR above 99%, then compare premiums.
Mistake 4: Not Reviewing Coverage Every 5 Years
The Mistake: Bought ₹1 crore coverage at age 28. Now 38, with two kids, home loan, and doubled expenses. Still have same ₹1 crore coverage.
The Problem:
₹1 crore was adequate for single person 10 years ago. It's woefully inadequate for family of four with ₹75 lakh home loan today.
Solution: Review coverage every major life event (marriage, child birth, home purchase) and every 5 years. Most insurers allow increasing coverage without fresh medical tests if done within specified timelines.
Mistake 5: Skipping Medical Tests When Required
The Mistake: "Medical test is hassle. I'll lie about conditions or find insurer that doesn't require tests."
The Problem:
Insurers requiring medical tests often have BETTER claim settlement
Hiding conditions discovered later leads to claim rejection
Medical test actually PROTECTS you by creating documented record of your health at policy purchase
Solution: Undergo medical tests if insurer requests. It's 2-3 hours of inconvenience for decades of protection.
Mistake 6: Buying Through Agent Without Direct Comparison
The Mistake: Bought whatever policy your relative/friend who's an insurance agent recommended.
The Problem:
Agents earn commission. They recommend policies that maximize THEIR income, not your coverage. Direct plans are typically 10-20% cheaper than agent plans.
Solution: Always compare at least 3-5 policies online before buying. Use comparison websites (PolicyBazaar, BankBazaar) to see features and premiums side-by-side. Buy direct online.
Mistake 7: Choosing Too Short or Too Long Policy Term
The Mistake:
Too short: "I'll buy 20-year policy to save on premium" (when you need 30 years)
Too long: "I'll buy till age 80 to be safe" (paying 3x premium for unnecessary coverage)
Solution: Policy term till age 60-65 for most people. Only extend to 70 if you have children very late.
How to Buy Term Insurance: Step-by-Step Process
Step 1: Calculate Required Coverage
Use the expense replacement method explained earlier:
Annual family expenses × Number of years till retirement
Add: Outstanding loans
Add: Future major expenses (education, weddings)
Subtract: Current savings and investments
Result: Your required coverage
Use Online Calculators:
HDFC Life Term Calculator
PolicyBazaar HLV Calculator
Ditto Term Insurance Calculator
Step 2: Decide Policy Term
Current age + Coverage needed years = Policy term
Sweet spot: Till age 60-65
Maximum: Age 70 (only if late family)
Step 3: Shortlist 3-5 Insurers
Criteria for shortlisting:
CSR above 99%
Strong brand reputation and financial stability (solvency ratio above 1.5)
Good customer service reviews
Reasonable premium
Step 4: Compare Online
Visit comparison websites:
Enter your details and compare:
Premium
Features
Riders available
Claim process
Step 5: Read Policy Document (Critical!)
Before buying, read:
Exclusions (what causes of death aren't covered)
Waiting periods
Claim process and required documents
Grace period for premium payment
Rider terms and conditions
Step 6: Buy Direct Online
Advantages of buying direct:
10-20% cheaper than through agents
Faster processing
Complete control over policy terms
Digital policy documents
Easy online claims
Step 7: Disclose Everything Truthfully
When filling application:
All pre-existing medical conditions
Past surgeries or hospitalizations
Family medical history (parents' conditions)
Smoking/drinking/tobacco habits
Occupation hazards
Current medications
Remember: Insurers WILL investigate during claims. Non-disclosure = claim rejection.
Step 8: Complete Medical Tests if Required
Most insurers require medical tests for:
Coverage above ₹1 crore
Age above 45 years
Disclosed medical conditions
Tests typically include:
Blood tests (sugar, cholesterol, kidney, liver function)
ECG
BMI measurement
Blood pressure
Allow 3-5 days for results. Insurers arrange tests at home/clinic at no cost to you.
Step 9: Choose Payment Mode
Annual: Cheapest (pay once per year)
Half-yearly: 2-3% more expensive
Quarterly: 4-5% more expensive
Monthly: 5-7% more expensive
Recommendation: Choose annual payment if cash flow allows. Saves 5-7% over 30 years.
Step 10: Set Up Auto-Pay
Enable auto-debit from bank account to ensure you never miss premium payment. Missing payments can cause policy lapse, losing all protection.
If you want someone to assist you with your investments or insurance and grow your wealth, feel free to contact us. Our team of experts will be happy to help. You can also email us at help@reymanwealth.com
Frequently Asked Questions
Q: Can I buy multiple term insurance policies?
Yes, absolutely. You can buy from multiple insurers. In case of death, your nominee receives sum assured from all policies. This can be useful if one insurer has coverage limits or if you want to diversify risk.
Q: What happens if I miss a premium payment?
Most policies have 30-90 day grace period. If you pay within grace period, policy continues uninterrupted. After grace period, policy lapses. You can revive lapsed policies within 2-5 years by paying pending premiums (with interest) and undergoing fresh medical tests.
Q: Can I change my nominee later?
Yes, you can change your nominee anytime during policy term by submitting form to insurer.
Q: Do I get money back if I survive the policy term?
Not in regular term plans. That's why premiums are extremely low. If you want money back, you'll pay 2-3x premium for TROP (Term Return of Premium), which is financially inefficient as explained earlier.
Q: Are term insurance premiums tax-deductible?
Yes, premiums qualify for deduction under Section 80C (up to ₹1.5 lakh). Death benefit received by nominee is tax-free under Section 10(10D).
Q: Can I increase my coverage later without new medical tests?
Some insurers allow coverage increase at certain life stages (marriage, child birth) within first 5 years without fresh medical tests if you opted for life stage benefit rider initially. Otherwise, coverage increase requires new medical underwriting.
The Bottom Line:
A comprehensive term insurance policy with ₹2-3 crore coverage costs ₹15,000-25,000 annually for most people under 35. That's ₹1,250-2,100 per month—less than a weekend dinner outing for many families.
That small investment ensures your family maintains their lifestyle, achieves their dreams, and never faces financial hardship if the unthinkable happens. It's literally the difference between your family thriving versus struggling after your death.
Stop thinking about it. Stop delaying. Use this guide, choose a top-rated insurer, buy adequate coverage today. Your family's entire financial future depends on this one decision. Make it this week.
If you want someone to assist you with your investments or insurance and grow your wealth, feel free to contact us. Our team of experts will be happy to help. You can also email us at help@reymanwealth.com
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