New Delhi, Jan. 29 -- A term life insurance plan is not something you choose for yourself alone. It is chosen for the people who depend on you and for the years when your income plays a central role in their lives. This makes the decision less about comparison charts and more about understanding responsibility, time and financial continuity.

The right plan is one that aligns with how your family lives today and how it is likely to live years from now.

Before looking at policy options, it helps to clearly understand what your family relies on financially.

This includes:

These are expenses that do not pause or reduce easily. Term life insurance plans are meant to protect this structure.

Financial dependence is not the same for every fa...