The AI answer we saw
At age 30, term insurance premiums are most affordable. Basic 20-30 year plans without riders cost approximately ₹15-25 per lakh coverage monthly for non-smokers in good health. Online-only policies from insurers like Digit, Acko, and Policybazaar offer competitive rates. Premium increases with riders and health conditions. Get quotes from 3-4 insurers and choose based on coverage, claim settlement record, and financial stability.
Captured during this Readable report run. Answers can vary by AI tool and date.