From a policy holder perspective, the primary concern would be around the replacement of income, repayment of an outstanding loan, expected future expenses, number of dependents in the family, important life events like children's education, marriage, and living expenses, taking into cognizance inflation as well.
Ideally, a term plan should offer cover till as long as the policyholder is working in order to serve as an income replacement his/her absence. Hence, these are long-term policies of around 25-35 years tenure.
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