Protection & estate
Insurance that actually matters
The two policies a founder with dependents should not skip, and the ones to ignore.
What insurance does a founder actually need?
For most founders with dependents, two policies matter and the rest is noise. A pure term life cover, large enough to clear any debts and support y...
How much term life cover do I actually need?
Enough that, if you were gone tomorrow, your family could clear every debt and still live comfortably for many years without your income. A common ...
Should I buy term insurance or a policy that also invests my money?
As a rule, keep insurance and investing separate. A pure term plan pays your family a large sum if you die during the cover period, and it is cheap...
How much health insurance should my family have in India?
Think about what one serious hospital stay in a good private hospital in your city would actually cost, because that is the bill health insurance e...
Can I just rely on the group health cover my startup gives the team?
Treat group cover as a bonus, not your safety net. Company or group health cover is real and useful while it lasts, but it is tied to the job: if y...
Do I need personal accident or disability cover, not just life insurance?
It is worth understanding the gap. Term life insurance pays your family if you die, but it does nothing if you are alive and can no longer earn, sa...
When should a founder actually buy term life insurance?
The honest trigger is not a birthday, it is dependents: the moment someone relies on your income (a partner who would struggle without it, kids, ag...
What happens to my family if I die with personal guarantees or loans tied to my startup?
This is the part founders often miss. Many startup loans, credit lines, and leases ask the founder for a personal guarantee, which means the debt d...
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