Your protection needs are not fixed. A young professional may first focus on income protection and health risks, while a growing family may prioritize dependents, education, debt, and long-term security.
Start with responsibilities, not products
List the people and financial commitments that depend on you. Then review existing savings, employer benefits, insurance, and possible gaps.
Review regularly
Marriage, a new child, a home loan, career changes, or migration can all change the amount and type of protection that may be appropriate.
Important: This article is for general education. Product suitability, benefits, exclusions, and approval depend on the official policy and provider assessment.