We often debate whether insurance is an expense or an investment. But here's another question — what if you're overspending on something that's meant to protect, not profit? Seen This Happen? 👀 You sit across someone reviewing their life insurance portfolio. They proudly say, “I’ve taken a ₹2 crore policy.” Sounds impressive. Maybe even responsible. But then you ask a few questions: – Any liabilities? “No, I’m debt-free.” – Dependents? “Just my spouse. No kids yet.” – Monthly expenses? “₹35,000 all in.” – Income? “Around ₹6.5 lakhs annually.” And suddenly that ₹2 crore starts to feel… unnecessary. Not wrong. Not dangerous. Just… maybe a bit too much . Let’s Talk Balance ☕ Life insurance isn't like groceries — you don’t top it up every week. But it isn’t like buying land either — more doesn’t always mean better. When your cover far exceeds your actual financial responsibility, you're ...

“People check mutual fund NAVs every week. But their insurance cover? That’s stuck where it was 7 years ago.” 🧠 How to Know if Your Insurance Needs Have Increased (or Decreased) Funny, isn’t it? Insurance is meant to grow (or shrink) with life. But most people treat it like a one-time chore—like buying a ceiling fan. Install it once. Forget about it. That’s where the real risk lies. ☕ Let’s Talk Reality In the last few years, what changed for you? Did your salary go up after appraisal season? Did you move from Dum Dum to Rajarhat to be closer to work? Did your first child just get admitted to a school where the fee sounds like an EMI? Did you finally clear that long-standing home loan from Behala property? Life shifts. But if your term plan still covers the “you” from 2018, we have a problem. 👀 What Actually Affects Your Insurance Needs Let’s not overcomplicate it. Your insurance coverage should reflect your financial responsibilities and...

“Most people don’t plan to end up with the wrong insurance. They just signed where someone said, ‘Trust me, this is good for you.’” ❓Term vs Traditional: What To Do With Old Plans 🤔 You Might Relate If you’ve ever opened an old drawer and found a thick LIC policy bond from 2012 — welcome to the club. Maybe you: Started a traditional plan because your HR said it’ll save tax Bought one from a family friend who swore, “This is best for your daughter” Paid premiums quietly for years — without really knowing what it covers Now, you're hearing about term insurance . You're seeing ads. You're wondering: “Did I do something wrong?” “Should I cancel these old plans?” Let’s talk. Not like a finance guru. Like someone who’s met hundreds of families in places like Garia, Dunlop, and Serampore — and heard the same quiet questions over tea. 👣 What Actually Happens Here’s the pattern I’ve seen again and again: People start ...