Why ‘regular pay’ is better for life insurance premiums
Last Update Date: 06-10-2026
Published by Mint
Abhishek Kumar's role: Quoted
Abhishek Kumar worked out the inflation-adjusted cost of regular and limited premium payments for the article. He explained that buyers tend to compare only absolute totals, and said paying premiums in advance is unwise, even to claim tax deductions.
More of Abhishek's views on insurance
The article compares regular-pay and limited-pay premium options for life insurance. While limited pay looks cheaper in total rupees, it shows that adjusting for inflation and the time value of money makes regular pay cheaper in real terms, and notes that regular pay lets a policyholder stop paying once goals are met.
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Why ‘regular pay’ is better for life insurance premiums