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 because that is all it does. The policies that promise a payout even if you survive (endowment, money-back, ULIP) mix protection with investing and usually do both poorly: the cover is small for the premium and the returns tend to lag a plain index fund or PPF over the long run. For most founders with dependents, a big term plan plus separate investments buys far more safety per rupee. Do the maths for your own case, and remember returns are never guaranteed and product features change, so read the actual policy document and check with a fee-only advisor before you commit. This is general education, not a recommendation of any specific product.
A curated summary to orient you, not advice. The resources below are the real value.
2 hand-picked resources, 2 India-specific, 1 link-checked.
Why we picked it The free, India-first grounding in what to do with cash once you have it: goals, allocation, SIPs, and not losing it to fees.
From Zerodha Varsity by Zerodha Varsity
Open zerodha.com →Why we picked it A no-nonsense, ad-light India personal-finance site: plain math and free calculators for emergency funds, goals, and asset allocation, with no product to sell you.
From Freefincal by M. Pattabiraman
Open freefincal.com →
