The last few years have been uneasy for many Indian households. Jobs changed suddenly, salaries froze without warning, and prices kept rising even when incomes did not. Families that once planned their expenses with confidence began cutting back, adjusting, and reworking their budgets almost every few months. In the middle of all this unpredictability, conversations around security took on a different tone. People who had never thought much about a life insurance policy started paying attention simply because the world around them felt less steady than before.

The shift did not happen loudly. It showed up first in the way people spoke at home—parents reminding adult children to secure their futures, colleagues quietly mentioning how a hospital bill had wiped out years of savings, or a nei

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