The best age to buy term insurance is in your 20s or early 30s. At this stage, you are usually healthier and have fewer lifestyle diseases, which means lower premiums for a higher cover. Locking in a policy early allows you to stay protected during important milestones such as marriage, buying a house, or starting a family. The earlier you start, the more affordable and long-lasting your financial safety net becomes.

Yes, the best term insurance policy covers most types of death, including:

• Natural death: Due to health conditions, illnesses, or old age.
• Accidental death: From unexpected events such as accidents.

• Exclusions: Suicide is typically excluded during the first policy year.

  This wide coverage ensures your family receives financial protection in most circumstances, giving them stability when they need it the most. Always check the policy document for detailed terms

Yes, you can hold more than one term insurance policy as long as you meet the eligibility requirements and disclose all existing policies to the insurer. Having multiple policies allows you to increase your coverage at different life stages. For instance, you may buy an additional policy when you get married, have children, or take out a home loan. This ensures your cover keeps pace with your growing financial responsibilities.

If you stop paying premiums, here’s what happens:

• Grace period: You usually get 15–30 extra days to pay.
• Policy lapse: If not paid even after the grace period, the policy terminates.
• Revival option: Some insurers allow reinstating the plan within a few years by clearing dues with interest.
• To keep your loved ones protected, it’s important to pay premiums on time and avoid lapses.

In the case of life insurance, the survival benefits are payments made on a periodic basis given to the person during the policy term. An example for this can be the money-back plan, where you might get 15% of the sum assured after 5 years and then another 15% after 10 years; these amounts are known as survival benefits. 
On the other hand, maturity benefits are the ones received at the end of the term of the policy if you can survive till then. The lump sum that you get includes your sum assured plus bonus or returns, or sometimes 100% of the premium paid. An example that fits perfectly is the ICICI Term Pru Plan. With return of premiums, pay back all premiums paid on maturity.