Weddings generate a lot of to-do lists. Insurance rarely makes it onto them. But the moment you get married, your financial obligations shift overnight.
Step 1: Buy or Upgrade Term Life Cover
This is the most important step. A Rs.1.5 Crore plan for a healthy 28-year-old in Vasai costs Rs.700 to Rs.900 per month. If you already have term cover, review the amount — factor in your spouse's income dependency and any planned home loan.
Step 2: Update Nominees Immediately
Update nominees on all life insurance policies, EPF, bank accounts, mutual funds, demat accounts, PPF and NPS. An outdated nominee can mean claim proceeds go to a parent instead of your spouse — creating legal complications when your family needs the money most.
Step 3: Get a Family Health Plan
Do not rely solely on employer group cover — it disappears when you leave the job. Buy a family floater health plan that covers both of you and can be extended to children when they arrive.
Step 4: Review Motor Insurance
Review both vehicle policies at the next renewal. Check zero dep, engine protect and verify NCB is correctly applied and documented.
Step 5: Home Loan Protection
If you are buying a home, a home loan protection plan ensures the survivor keeps the home debt-free. Always compare independently — do not just take what the bank offers.
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Book Free ConsultationFrequently Asked Questions
Term life insurance first — for both partners if both earn, or at minimum for the primary earner. Then a family floater health plan. Then nominee updates across all existing policies and accounts.
Yes. Most health insurers allow adding a spouse at renewal or switching to a family floater. We advise on the best approach based on your current plan.