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 ...