India, Feb. 2 -- Crossing 50 often changes how people view financial planning. With savings already in place, the focus gradually shifts to protecting long-term family security and personal well-being. At this stage, combining life and health insurance becomes more important. Understanding the top factors in senior-citizen term insurance helps build a dependable protection plan that supports both financial stability and healthcare readiness.

In earlier life stages, financial planning usually revolves around income growth, home ownership, and savings accumulation. After 50, the focus turns toward safeguarding stability. Dependents may still rely on financial support, while healthcare needs begin to demand more structured planning.

Life i...