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How to Evaluate and Select the Best Life Insurance Policy for Your Needs

Last updated :
March 10, 2024
/

minutes read

Table of Contents

I. Introduction

Welcome, dear reader! Have you ever wondered if life insurance is really that important? Well, let us tell you, it's not just a luxury for the privileged few. In fact, life insurance is an essential safety net for you and your loved ones. Here's why:

  • Financial security: Life insurance provides a cushion to your family in case of an unforeseen event, ensuring they can maintain their lifestyle without any financial strain. ๐Ÿ’ธ
  • Debt protection: From home loans to personal loans, life insurance can help cover outstanding debts so your family doesn't have to bear the burden. ๐Ÿ 
  • Peace of mind: With life insurance in place, you can sleep easy knowing you've got your family's financial future covered. ๐Ÿ˜Œ

Now that we've established why life insurance is so crucial, it's time to tackle the big question: how do you choose the best policy for your needs? Fear not, for we're here to guide you every step of the way.

From understanding the basics to comparing policy features and benefits, we'll help you make an informed decision that you can be proud of.

So, are you ready to embark on this exciting journey? Let's dive right in! ๐ŸŠโ€โ™‚๏ธ

II. Understanding Life Insurance Basics

A. Before we begin, let's quickly run through the different types of life insurance policies out there. ๐Ÿ“˜

Hold your horses, folks! Before we dive into selecting the best life insurance policy, it's essential to understand the various types available in the market. We promise it won't be a snooze fest! Here's a quick rundown of the different types of life insurance policies:

  • Term Insurance: It's like a "pure" life insurance policy that covers you for a specific term, say 10, 20, or 30 years. If you pass away during the term, your family gets the payout, but there's no maturity benefit if you outlive the policy. โณ
  • Whole Life Insurance: As the name suggests, this policy covers you for your entire life. It comes with a death benefit and often has a cash value component that grows over time. ๐ŸŒณ
  • Endowment Plans: These plans combine life insurance with savings, providing both a death benefit and a maturity benefit. It's like having the best of both worlds! ๐ŸŽ
  • Unit Linked Insurance Plans (ULIPs): ULIPs mix insurance and investments, allowing you to invest a portion of your premium in various funds. It's like a life insurance policy with an investment twist! ๐Ÿ“ˆ

B. Confused about life insurance terminology? No worries, we've got you covered with this must-know guide! ๐Ÿ’ก

We get it; life insurance jargon can be a bit overwhelming. But don't worry, we've got your back! Here's a handy guide to some key terms you'll encounter along the way:

  1. Sum Assured: This is the amount your beneficiaries receive if you pass away during the policy term. Think of it as the "coverage" provided by your life insurance policy. ๐Ÿ“„
  2. Premium: The amount you pay to keep your life insurance policy active. It's like the "price" of your insurance policy. You can usually choose to pay it annually, semi-annually, or monthly. ๐Ÿ’ฐ
  3. Riders: These are additional benefits you can add to your policy, like critical illness or accidental death cover. Think of them as "add-ons" to enhance your policy. ๐Ÿ› ๏ธ
  4. Free Look Period: This is a grace period during which you can return your policy if you change your mind. No hard feelings! ๐Ÿ˜‰

III. Evaluating Your Life Insurance Needs

A. Time to take stock of your financial responsibilities and goals. Let's see how they shape your life insurance needs. ๐ŸŽฏ

One size doesn't fit all, especially when it comes to life insurance. To determine the right policy for you, it's essential to assess your financial responsibilities and goals. Grab a pen and paper (or your phone, we're not judging!) and let's start listing:

  • Family: Think about your spouse, children, and anyone else who depends on your income. How much money will they need to maintain their lifestyle if you're not around? ๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆ
  • Debts: Do you have any outstanding loans or credit card bills? You'll want your life insurance policy to cover these so your family isn't burdened by debt. ๐Ÿ’ณ
  • Future Expenses: Consider future expenses, like your children's education, weddings, or your spouse's retirement. Your life insurance policy should help cover these costs. ๐ŸŽ“๐Ÿ’
  • Legacy: Are you hoping to leave a legacy, like a charitable donation or a bequest to your family? Factor this into your life insurance needs too. ๐Ÿ’

B. Now that we've got your goals in mind, let's calculate your ideal life insurance coverage. ๐Ÿ’ฐ

With your financial responsibilities and goals in hand, it's time to crunch some numbers and figure out your ideal life insurance coverage. Don't worry, you don't need to be a math whiz! Just follow these simple steps:

  1. Income Replacement: Calculate how much income your family will need annually if you're not around. Multiply this amount by the number of years they'll need support. ๐Ÿ“Š
  2. Add Debts and Future Expenses: Add up your outstanding debts and any future expenses you identified earlier. ๐Ÿงฎ
  3. Subtract Assets: Make a list of your assets, like savings, investments, and existing life insurance policies. Subtract the total value of your assets from the sum of your income replacement and debts/future expenses. ๐Ÿ”ข
  4. Voila! Your Ideal Coverage: The final number you get is your ideal life insurance coverage. This amount should provide your loved ones with financial security in your absence. ๐ŸŒŸ

Remember, this is just a starting point. Feel free to adjust the numbers based on your unique situation and preferences. Life insurance is all about providing peace of mind, so choose an amount that feels right for you and your family. ๐Ÿ˜Š

IV. Comparing Life Insurance Companies

A. Let's talk about the foundational pillars of a good life insurance company: reputation and financial stability. ๐Ÿ›๏ธ

Choosing the right life insurance company is like picking your favourite paneer tikka - there are many options, but not all are created equal! Two crucial factors to consider when comparing companies are their reputation and financial stability. Here's why:

  • Reputation: A company's track record speaks volumes. Look for insurers with a long history, strong customer satisfaction ratings, and a commitment to ethical practices. Remember, this is the company you're trusting to be there for your loved ones when you're not around. No pressure! ๐Ÿ˜…
  • Financial Stability: A financially stable insurer is more likely to fulfil its claims obligations. Check credit rating agencies like CRISIL, ICRA, or CARE for their ratings of the company's financial health. A higher rating indicates greater financial stability. After all, nobody wants to entrust their family's future to a shaky house of cards. ๐Ÿƒ

B. Customer service matters! We'll discuss why it's a critical factor in your insurance journey. โญ

Now that we've got the foundations sorted, it's time to consider another essential aspect: customer service. A life insurance policy isn't a one-time transaction; it's a long-term relationship (you might even call it a marriage of sorts!). So, it's crucial to find a company that values and respects you, their customer. Here's what to look for:

  • Communication: A good insurer will provide clear, concise, and timely information about your policy. They'll also be responsive to your queries and concerns. After all, nobody wants to be ghosted by their insurer! ๐Ÿ‘ป
  • Claims Process: When the time comes for your loved ones to file a claim, the last thing they need is a complicated and slow process. Look for companies with a high claim settlement ratio and a reputation for hassle-free claims. ๐Ÿ’ผ
  • Online Services: In today's digital world, having access to your policy information and making changes online is a must. Check if the company offers a user-friendly website and mobile app for easy access on the go. ๐Ÿ“ฑ

Take the time to compare different companies based on these factors, and you'll be well on your way to finding the perfect life insurance partner. Remember, it's like a marriage - choose wisely! ๐Ÿ’

V. Decoding Policy Features and Benefits

A. Ever heard of riders? Let's learn how customising your policy can help you find the perfect fit. ๐ŸŽฉ

Life insurance policies, much like your favourite pair of jeans, need to fit you just right! One way to ensure this is by adding riders to your policy. Riders are additional features that you can "stitch" onto your base policy to create a tailor-made cover for your unique needs. Let's dive into some popular riders:

  • Accidental Death Benefit Rider: This rider provides an extra payout to your family if your demise is due to an accident. Because, let's face it, life can be unpredictable. ๐Ÿšง
  • Critical Illness Rider: This rider pays out a lump sum if you're diagnosed with a serious illness like cancer or a heart attack. It's like a financial Band-Aid for those unexpected health curveballs. ๐Ÿš‘
  • Waiver of Premium Rider: If you become disabled and can't work, this rider waives your policy premiums, keeping your life insurance intact without burdening you financially. It's like a guardian angel for your policy! ๐Ÿ‘ผ

Remember, adding riders may increase your premium, so choose wisely and only pick the ones that are relevant to your needs.

B. Premiums, payouts, and more: let's break down the financial side of things. ๐Ÿ’ผ

Now that we've got a custom-fitted policy, let's dive into the financial nitty-gritty. Understanding the financial aspects of your policy will help you make informed decisions and avoid surprises down the road.

  • Premiums: Premiums are the regular payments you make to keep your policy active. Factors like your age, policy term, coverage amount, and health status determine your premium amount. Pro tip: Start early to get lower premiums. The early bird catches the best insurance rates! ๐Ÿฆ
  • Payout Options: Life insurance policies offer different payout options for your beneficiaries, like lump-sum payments or monthly income. Choose the one that best suits your family's needs. After all, it's about making their lives easier when you're not around. ๐Ÿ’Œ
  • Policy Term: The policy term is the duration for which you're covered. It can range from a few years to your entire lifetime. Choose a term that aligns with your financial goals and responsibilities. And remember, the term you select today can impact your family's future tomorrow. โณ

With a clear understanding of policy features and the financial side of things, you'll be well-equipped to find the best life insurance policy for your needs. It's like cracking the code to your perfect insurance match! ๐Ÿ”

VI. Tips and Tricks for a Smooth Application Process

A. Medical exams can be daunting, but we've got some tips to help you prep for success. ๐Ÿ’‰

Medical exams are an essential part of the life insurance application process. Think of them as the gatekeeper, ensuring you get the coverage you deserve. But fear not! We've got some tips to help you ace that exam:

  • Stay Healthy: Maintaining a healthy lifestyle not only makes you feel great but can also impact your life insurance premiums. So, eat well, exercise, and say no to unhealthy habits. Your body and your wallet will thank you! ๐Ÿฅ—
  • Prep Well: A few days before the exam, avoid heavy meals, alcohol, and caffeine. Get a good night's sleep and stay hydrated. Treat it like you're prepping for a big game! ๐Ÿƒโ€โ™‚๏ธ
  • Keep Calm: Relax! The medical exam is not an interrogation. The examiner is just gathering information to help the insurance company assess your risk profile. So, take a deep breath and trust the process. ๐Ÿง˜โ€โ™€๏ธ

B. When it comes to life insurance applications, honesty is the best policy. We'll tell you why! ๐ŸŒŸ

While it might be tempting to stretch the truth on your life insurance application, honesty is definitely the best policy. Here's why:

  • Policy Payouts: If the insurance company discovers you've provided incorrect information, they may deny your beneficiaries' claim when they need it the most. It's like building your financial fortress on quicksand! ๐Ÿฐ
  • Policy Cancellation: Inaccurate information can also lead to the cancellation of your policy. And who wants to go through the application process again? Not us! ๐Ÿ”„
  • Peace of Mind: Being truthful on your application gives you the assurance that your loved ones will be taken care of when you're no longer around. That's priceless! ๐Ÿ’Ž

Remember, when it comes to life insurance, honesty and transparency will take you a long way in securing a bright future for your family. After all, a strong foundation is the key to a sturdy financial castle! ๐Ÿฐ

VII. Reviewing and Updating Your Life Insurance Policy

A. Don't forget to regularly review your policy! We'll explain why it's so important. ๐Ÿ“†

Life insurance is not a "set it and forget it" type of deal. Regularly reviewing your policy ensures it's up to date and still fits your needs. Here are a few reasons why you should take a closer look at your policy every year:

  • Changing Needs: Your financial responsibilities and goals might evolve over time. A yearly check-up makes sure your coverage still aligns with your current needs. ๐ŸŽฏ
  • Policy Performance: Reviewing your policy helps you keep track of its performance, especially if you have an investment-linked plan. Stay informed and make adjustments as needed! ๐Ÿ“ˆ
  • Competitive Rates: The insurance market is constantly changing. Regular reviews help you stay on top of new offers and ensure you're getting the best bang for your buck. ๐Ÿ’ธ

B. Life events can change everything. Let's see when it's time to update your policy. ๐Ÿ’๐Ÿ‘ถ๐Ÿ 

Some life events can significantly impact your life insurance needs, and it's essential to update your policy accordingly. Keep an eye out for these game-changers:

  • Marriage: Tying the knot means you're not just responsible for yourself anymore. Review your coverage to make sure your spouse is protected too. ๐Ÿ’
  • Welcoming a Child: A new addition to the family brings love, joy, and an increased need for financial security. Reassess your policy to ensure your little one's future is bright. ๐Ÿ‘ถ
  • Home Purchase: Buying a house is a significant investment, and it's crucial to protect it. Double-check your policy to ensure your mortgage is covered in case of unforeseen circumstances. ๐Ÿ 
  • Income Changes: If your income has substantially increased or decreased, it might be time to reevaluate your policy. Make sure you're not underinsured or overpaying. ๐Ÿ’ผ

Remember, your life insurance policy should evolve with your life. Regularly reviewing and updating your coverage helps you stay in control of your financial future. And that's a beautiful thing! ๐ŸŒŸ

VIII. Resources and References

A. Knowledge is power! Check out these top life insurance books to help you along the way. ๐Ÿ“š

There's no better way to level up your life insurance know-how than by reading expert advice. Here are some highly recommended books that can help you navigate the world of life insurance:

  • The Life Insurance Handbook: This comprehensive guide covers everything from the basics to advanced concepts, perfect for insurance newbies and pros alike.
  • Insurance Made Easy: A beginner-friendly guide that simplifies complex insurance jargon and helps you make informed decisions.
  • Securing Your Financial Future: This book focuses on creating a holistic financial plan, including a deep dive into life insurance strategies.

B. Need some extra guidance? We've got websites and online tools to empower your insurance decisions. ๐ŸŒ

Can't get enough of insurance insights? Check out these websites and online tools that make selecting the perfect policy a breeze:

  • Insurance Regulatory and Development Authority of India (IRDAI): The official government website offers valuable resources and consumer protection information. Visit IRDAI's website to stay informed.
  • Policy Comparison Tools: Websites like PolicyBazaar and Coverfox allow you to compare life insurance policies side-by-side, making your decision-making process easier.
  • Life Insurance Calculators: Online tools like HDFC Life's Insurance Calculator can help you estimate your coverage needs and premium costs.

C. Sometimes, professional advice is the way to go. Let's explore when to consult a life insurance agent or financial planner. ๐ŸŽ“

While self-education is essential, seeking professional guidance can help you make the best decisions for your unique circumstances. Here's when you should consider consulting an expert:

  • Complex Situations: If you have multiple financial goals, investments, or debts, an expert can help you navigate your options and create a tailored plan.
  • High Net Worth: A high-net-worth individual may require specialized insurance strategies. A financial planner or life insurance agent can offer custom solutions to protect your assets.
  • Peace of Mind: If you're unsure about your choices or simply want a second opinion, a professional can provide reassurance and guidance.

Remember, investing in professional advice now can save you from costly mistakes and ensure your financial future is secure. ๐Ÿ’ช

IX. Conclusion

A. You've made it! Now it's time to choose wisely and live fearlessly with the right life insurance policy. ๐Ÿ†

Congratulations on powering through this life insurance journey! ๐ŸŽ‰ By now, you've gathered valuable knowledge and insights to make an informed decision. It's time to put your newfound expertise into action and select the perfect life insurance policy for your needs. Remember, the right policy is one that aligns with your financial goals, offers adequate coverage, and comes from a reputable company. So, go ahead and choose wisely!

B. Embrace the peace of mind that comes with knowing you've made the best decision for you and your loved ones. ๐Ÿ’†โ€โ™‚๏ธ

Once you've chosen your ideal life insurance policy, you can finally sit back and relax, knowing that you've secured your family's future. ๐Ÿ’• No matter what life throws at you, you've taken a significant step towards ensuring their financial stability. So, give yourself a pat on the back and enjoy the peace of mind that comes with knowing you've made the best decision for you and your loved ones. ๐Ÿ˜‡

FAQs

Q1. Why is life insurance important?

Life insurance is important because it provides financial security to your loved ones in the event of your demise. It ensures that they can maintain their lifestyle, pay off debts, and cover expenses such as education and healthcare. ๐ŸŒˆ

Q2. How do I know how much life insurance coverage I need?

To determine your ideal coverage, consider factors such as your income, financial responsibilities, and long-term goals. A general rule of thumb is to have coverage worth 10 to 15 times your annual income. ๐Ÿ’ฐ

Q3.How can I compare life insurance companies?

Look for companies with a solid reputation, financial stability, and excellent customer service. You can check their ratings from agencies like IRDAI, AM Best, and CRISIL. Don't forget to read customer reviews! ๐Ÿ†

Q4. What are riders in a life insurance policy?

Riders are optional add-ons to your policy that provide additional benefits, such as critical illness coverage or accidental death benefits. They help customize your policy to fit your unique needs. ๐ŸŽฉ

Q5. How often should I review my life insurance policy?

It's a good idea to review your policy at least once every two years or whenever you experience significant life events, like getting married, having a child, or buying a home. This ensures your coverage remains adequate. ๐Ÿ“†

Q6. Do I need a life insurance agent or financial planner?

A professional advisor can help you navigate complex insurance decisions and ensure you choose the best policy for your needs. If you're unsure about which policy to choose, consulting an expert might be a wise choice. ๐ŸŽ“

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Mothercare
10
% OFF
Himalaya
Himalaya
5
% OFF
Watcho Dish TV
Watcho Dish TV
2.5
% OFF
American Eagle - to be deleted
American Eagle - to be deleted
2
% OFF
Replay
Replay
10
% OFF
Bally
Bally
10
% OFF
Forever New
Forever New
7
% OFF
Birkenstock
Birkenstock
8.5
% OFF
Michael Kors
Michael Kors
10
% OFF
Urban Ladder
Urban Ladder
8
% OFF
Behrouz Biryani
Behrouz Biryani
8
% OFF
Speedo
Speedo
10
% OFF
PhonePe
PhonePe
2.5
% OFF
Planet Fashion
Planet Fashion
2.5
% OFF
Indian Gifts portal
Indian Gifts portal
16
% OFF
Cleartrip
Cleartrip
5
% OFF
Ornaz
Ornaz
10
% OFF
Tata Cliq
Tata Cliq
6
% OFF
Microsoft 365 Personal
Microsoft 365 Personal
20
% OFF
Jimmy Choo
Jimmy Choo
10
% OFF
Hush Puppies
Hush Puppies
8
% OFF
Avast AVG
Avast AVG
2.5
% OFF
DeVagabond
DeVagabond
10
% OFF
Paul Smith
Paul Smith
10
% OFF
Unipin E-Gift
Unipin E-Gift
3
% OFF
Borosil
Borosil
7
% OFF
Ray-Ban
Ray-Ban
8
% OFF
Cafe Delhi Heights
Cafe Delhi Heights
8
% OFF
Trends Women
Trends Women
12
% OFF
Blissclub
Blissclub
9
% OFF
Apple iPhone 14
Apple iPhone 14
2
% OFF
Netmeds
Netmeds
8
% OFF
iPhone 15 Pro
iPhone 15 Pro
2
% OFF
Spencer
Spencer
3
% OFF
Imagine Apple Premium_Delete
Imagine Apple Premium_Delete
2
% OFF
BB Now
BB Now
3
% OFF
Titan Eye+
Titan Eye+
9
% OFF
Lifestyle (Online)
Lifestyle (Online)
7
% OFF
Daily Objects
Daily Objects
10
% OFF
Reliance Trends
Reliance Trends
12
% OFF
Swiggy Inhouse Only
Swiggy Inhouse Only
4
% OFF
Bata
Bata
7
% OFF
Flying Machine
Flying Machine
7
% OFF
Spar Hypermart
Spar Hypermart
4.5
% OFF
Kalyan Diamond
Kalyan Diamond
5
% OFF
Indian Terrain
Indian Terrain
10
% OFF
Gas
Gas
10
% OFF
IKEA B2B
IKEA B2B
5
% OFF
Nykaa Man
Nykaa Man
6
% OFF
EazyDiner
EazyDiner
10
% OFF
White Crow
White Crow
10
% OFF
SonyLiv 6 Months
SonyLiv 6 Months
35
% OFF
VMart
VMart
5
% OFF
Wrangler
Wrangler
6
% OFF
Only
Only
8
% OFF
Discovery+
Discovery+
12
% OFF
Apple Airpods
Apple Airpods
2
% OFF
Skinn
Skinn
6
% OFF
Jockey
Jockey
10
% OFF
Armani Exchange
Armani Exchange
10
% OFF
Unlimited
Unlimited
6
% OFF
Norton Antivirus Plus
Norton Antivirus Plus
60
% OFF
Blaupunkt
Blaupunkt
8
% OFF
Mia
Mia
3
% OFF
Third Wave Coffee
Third Wave Coffee
8
% OFF
US Polo Assn
US Polo Assn
7
% OFF
Hyatt India
Hyatt India
10
% OFF
ZEE5 3 Months
ZEE5 3 Months
15
% OFF
Net Protector Pro 1 User
Net Protector Pro 1 User
70
% OFF
Giorgio Armani
Giorgio Armani
10
% OFF
PeeSafe
PeeSafe
15
% OFF
Blackberrys
Blackberrys
8
% OFF
Veridicus
Veridicus
12
% OFF
Simon Carter
Simon Carter
4
% OFF
Sigree
Sigree
8
% OFF
Linen Club
Linen Club
8
% OFF
Spotify 1 Year
Spotify 1 Year
5
% OFF
Tumi
Tumi
10
% OFF
Taneira
Taneira
6
% OFF
EA Sports FC Mobile
EA Sports FC Mobile
3
% OFF
Apple MacBook
Apple MacBook
2
% OFF
Home Center (Online)
Home Center (Online)
7
% OFF
Amazon Prime 3 months
Amazon Prime 3 months
13
% OFF
CultFit
CultFit
7
% OFF
Freecultr
Freecultr
15
% OFF
Relaxo
Relaxo
6
% OFF
Fabindia
Fabindia
6
% OFF
Polar bear
Polar bear
4
% OFF
SpiceJet
SpiceJet
2
% OFF
Docubay - deprecate
Docubay - deprecate
25
% OFF
The Collective
The Collective
2.5
% OFF
Appreciate Subscription
Appreciate Subscription
35
% OFF
Ferns N Petals
Ferns N Petals
10
% OFF
Mainland China
Mainland China
8
% OFF
YouMee-deleted
YouMee-deleted
2.5
% OFF
Helios
Helios
8
% OFF
Tata Play HD
Tata Play HD
12
% OFF
Villeroy & Boch
Villeroy & Boch
10
% OFF
Kate Spade
Kate Spade
10
% OFF
Brooks Brothers
Brooks Brothers
10
% OFF
Mothercare
Mothercare
10
% OFF
Himalaya
Himalaya
5
% OFF
Watcho Dish TV
Watcho Dish TV
2.5
% OFF
American Eagle - to be deleted
American Eagle - to be deleted
2
% OFF
Replay
Replay
10
% OFF
Bally
Bally
10
% OFF
Forever New
Forever New
7
% OFF
Birkenstock
Birkenstock
8.5
% OFF
Michael Kors
Michael Kors
10
% OFF
Urban Ladder
Urban Ladder
8
% OFF
Behrouz Biryani
Behrouz Biryani
8
% OFF
Speedo
Speedo
10
% OFF
PhonePe
PhonePe
2.5
% OFF
Planet Fashion
Planet Fashion
2.5
% OFF
Indian Gifts portal
Indian Gifts portal
16
% OFF
Cleartrip
Cleartrip
5
% OFF
Ornaz
Ornaz
10
% OFF
Tata Cliq
Tata Cliq
6
% OFF
Microsoft 365 Personal
Microsoft 365 Personal
20
% OFF
Jimmy Choo
Jimmy Choo
10
% OFF
Hush Puppies
Hush Puppies
8
% OFF
Avast AVG
Avast AVG
2.5
% OFF
DeVagabond
DeVagabond
10
% OFF
Paul Smith
Paul Smith
10
% OFF
Unipin E-Gift
Unipin E-Gift
3
% OFF
Borosil
Borosil
7
% OFF
Ray-Ban
Ray-Ban
8
% OFF
Cafe Delhi Heights
Cafe Delhi Heights
8
% OFF
Trends Women
Trends Women
12
% OFF
Blissclub
Blissclub
9
% OFF
Apple iPhone 14
Apple iPhone 14
2
% OFF
Netmeds
Netmeds
8
% OFF
iPhone 15 Pro
iPhone 15 Pro
2
% OFF
Spencer
Spencer
3
% OFF
Imagine Apple Premium_Delete
Imagine Apple Premium_Delete
2
% OFF
BB Now
BB Now
3
% OFF
Titan Eye+
Titan Eye+
9
% OFF
Lifestyle (Online)
Lifestyle (Online)
7
% OFF
Daily Objects
Daily Objects
10
% OFF
Reliance Trends
Reliance Trends
12
% OFF
Swiggy Inhouse Only
Swiggy Inhouse Only
4
% OFF
Bata
Bata
7
% OFF
Flying Machine
Flying Machine
7
% OFF
Spar Hypermart
Spar Hypermart
4.5
% OFF
Kalyan Diamond
Kalyan Diamond
5
% OFF
Indian Terrain
Indian Terrain
10
% OFF
Gas
Gas
10
% OFF
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Shuaib Azam
Shuaib is a Marketing & Growth lead at Hubble. When he isn't working on growth initiatives, Shuaib writes fiction and doodles space monkeys.

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