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Best Term Insurance Plan for ₹2 Crore & How to Use a Calculator

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MUMBAI: Future planning is necessary. One easy method of securing the financial future of your family is by taking a term insurance plan. Term insurance is a type of life cover that provides a sum assured to your family if anything untoward happens to you. But how much cover do you actually require? And how do you determine the correct plan? A term plan calculator is what you need help with it. It is a quick online calculator that assists you in verifying the appropriate insurance coverage for your family without an estimate.

A term plan calculator would typically request some simple information, such as your age, income, and loans you have. If you enter these, it comes up with an estimate of the insurance cover you might require. This makes it simpler to select a plan that safeguards your family appropriately without spending extra money. It is like having a mentor to make wise choices for your family’s future.

What is Term Insurance?

Term insurance is a pure life insurance policy. Contrary to other policies that offer both investment and insurance, a term policy covers you only for life. In case you die during the policy duration, your family receives the sum assured. This amount can be used to cover daily expenses, education for children, or paying off loans.

Term plans are typically not expensive relative to other life insurance policies. Because it doesn’t have investment or savings elements, a large portion of your premium is used in offering life cover. This is the reason why numerous individuals look towards the best term insurance plan for 2 crore when they need large coverage without having to pay much.

Why Choose a ₹2 Crore Term Plan?

A ₹2 crore term plan provides your family with a solid financial cushion. Life is unpredictable, and expenditure can unexpectedly go up. A significant cover like ₹2 crore can help ensure that your family can live life as usual and cover significant expenses like higher education for children, housing loans, or prolonged medical expenses, even when you are not there.

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Selecting the most appropriate term insurance policy for 2 crore depends on more than just the coverage amount. You should also look at the reputation of the insurance company, claim settlement ratio, policy term choices, and premium costs. A good policy should be easy to comprehend, inexpensive, and trustworthy.

How to Use a Term Plan Calculator 

It is very easy to use a term plan calculator. Insurance firms and comparison sites mostly offer it for free. Here is how you can do it in a few steps:

. Enter Your Age and Gender: Your gender and age have an influence on your premium. Young individuals generally pay less as there is less risk.

.  Add Your Income: Your income decides your family’s future financial requirements. Add your monthly income and any other sources.

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. Include Liabilities: If you have outstanding loans such as home loans, car loans, or personal loans, include them. The cover should be sufficient to settle these loans.

.  Consider Your Family Needs: Consider your children’s education, the living expenses of your spouse, and other long-term objectives.

.  Check the Recommended Cover: The calculator will recommend an amount assured depending on your details. This will lead you to select a plan that suits your family requirements.

Using a calculator, you eliminate guesswork and can concentrate on choosing the plan that offers coverage and affordability.

What to Look for in the Best Term Insurance Plan 

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While selecting a term plan, ensure that you verify certain features that make a policy trustworthy and worthwhile:

. High Claim Settlement Ratio: It indicates how frequently the insurance company settles claims. A high ratio indicates better possibilities of seamless claim settlement.

. Flexible Policy Term: Select a term that suits your family’s requirements. Longer terms give you longer protection.

. Premium Payment Options: A few plans allow you to pay annually, half-yearly, quarterly, or monthly. Flexibility in payment simplifies it.

. Optional Riders: Riders are additional benefits that you can include, like critical illness cover, accidental death cover, or waiver of premium. They add to your policy without purchasing additional insurance.

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. Transparency: The policy must be clear and concise, not having complicated terms or hidden clauses.

Factors Influencing Your Term Plan Premium 

Term insurance premiums are based on various factors. Knowing these can help you plan:

.  Age: People younger than you typically pay less.

.  Health: Your lifestyle and past health conditions count. Smokers and those who take poor care of their health may pay more.

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.  Occupation: Hazardous occupations might raise premiums.

.  Policy Term and Sum Assured: The longer the term and the higher the coverage, the more expensive it is.

.  Riders: Optional riders add to the premium.

Using these points in mind while applying for a term plan calculator means that the calculated premium will be very much like the actual premium.

Common Myths About Term Insurance 

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There are a couple of myths that make individuals reluctant to purchase term plans. Let’s dispel them:

. “I am young and healthy; I don’t need insurance.” Life is full of surprises. Purchasing young and healthy can secure lower premiums.

.  “Term plans are costly.” In fact, term plans are one of the cheapest types of insurance.

.  “It’s just like any other insurance plan.” Unlike investment-linked plans, term insurance is all about protection. This keeps things easy and efficient.

.  “I don’t need a big cover.” A big sum assured protects your family from significant financial risks, such as loans and future education expenses.

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How to Select the Best Term Plan 

It is simpler to select the right term plan if you go through some steps:

. Utilize a Term Plan Calculator: This provides a good calculation of the cover that you require.

. Compare Plans: Compare various plans for premium, coverage, and benefits.

. Verify the Company Reputation: Check the claim settlement ratio and reviews.

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. Read the Policy Document: Read the terms, conditions, and exclusions carefully.

.  Add Riders if Required: Add additional benefits if they are suitable for your family’s needs.

By following these steps, you will receive a policy that not only suits your pocket but also offers genuine protection.

Advantages of a ₹2 Crore Term Plan 

A ₹2 crore term plan can bring numerous advantages:

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.  Financial Security: Guarantees your family can afford current and future expenses.

.  Debt Repayment: Repays home loans, car loans, or personal loans.

.  Education Expenses: Covers children’s higher studies.

.  Low Premiums: Pure term plans are usually very low cost even for high cover levels.

.  Tax Savings: Premiums paid are tax deductible under Section 80C, and the death benefit is free of tax under Section 10(10D).

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Final Tips for Selecting Term Insurance

.  Plan early; lower age translates to lower premiums.

.  Select a cover that insures all family expenses, not debts alone.

.  Utilize a term plan calculator to arrive at a definite estimate.

.  Regularly go through your policy and change it if your finances undergo a change.

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.  Always carefully read the small letters before signing.

Conclusion

A term insurance policy is an easy yet effective tool to safeguard your family’s financial well-being. It is simpler to get the correct cover when using a term plan calculator and avoiding guesswork. The best term insurance plan of 2 crore can provide your family with the security and comfort they deserve even after you are gone. Don’t forget, it is not only about the money; it is also about peace of mind for you and your family. Act now, determine your needs, and select the plan that suits your life and finances. Your family’s future is worth every step you take today.

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Netflix India names Rekha Rane director of films and series marketing

Streaming giant bets on a seasoned marketer who helped build Amazon and Netflix into household names

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MUMBAI: Netflix has put a proven brand builder at the helm of its films and series marketing in India, naming Rekha Rane as director in a move that signals sharper focus on audience growth and cultural cut-through in one of its most hotly contested markets.

Rane steps into the role after seven years at Netflix, where she has quietly shaped how the platform sells stories to India. Her latest promotion, effective February 2026, crowns a run that spans brand, slate and product marketing across originals, licensed content and new verticals such as games.

A strategic marketing and communications professional with roughly 15 years’ experience, Rane has spent much of her career building technology-led consumer businesses and new categories, notably e-commerce and subscription video on demand. She was part of the early push that introduced Amazon.in, Prime Video and Netflix to Indian homes, then helped turn them into everyday brands.

At Netflix, she most recently served as head of brand and slate marketing for India from March 2024 to February 2026, leading teams across media and marketing for global and local content portfolios. Before that, as manager for original films and series marketing, she led IP creation and go-to-market strategy for titles including Guns and Gulaabs, Kaala Paani, The Railway Men* and The Great Indian Kapil Show, spanning both binge and weekly-release formats.

Her earlier Netflix roles covered product discovery and promotion in India and integrated campaign strategy to drive conversations around the content slate, product awareness and brand-equity metrics.

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Before Netflix, Rane logged more than three years at Amazon in brand marketing roles in Bengaluru. There she handled national and regional campaigns for Amazon.in, worked on customer assistance programmes in growth geographies and contributed to the go-to-market strategy for the launch of Prime Video India.

Her career began well away from streaming. At Reliance Brands in Mumbai, she worked on retail marketing for Diesel and Superdry. A stint at Leo Burnett saw her work on primary research for P&G Tide, mapping Indian shoppers’ paths to purchase. Earlier still, at Orange in the United Kingdom, she rose from sales assistant to store manager, running a team and owning monthly P&L for a retail outlet.

The arc is telling. As global streamers fight for attention in a crowded Indian market, executives who understand both mass retail behaviour and digital habit-building are prized. Rane’s career sits at that intersection.

For Netflix, the bet is simple: in a market spoilt for choice, sharp marketing can still tilt the screen. And with Rane now leading the charge, the streamer is signalling it wants not just viewers, but fandom.

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Orient Beverages pops the fizz with steady Q3 gains and rising profits

Kolkata-based beverage maker reports stronger revenues and profits for December quarter.

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MUMBAI: A fizzy quarter with a steady aftertaste that’s how Orient Beverages Limited, the company that manufactures and distributes packaged drinking water under the brand name Bisleri closed the December 2025 period, as the Kolkata-based drinks maker reported improved revenues and a healthy rise in profits, signalling operational stability in a competitive beverage market.

For the quarter ended December 31, 2025, Orient Beverages posted standalone revenue from operations of Rs 39.98 crore, up from Rs 36.42 crore in the previous quarter and Rs 33.53 crore in the same quarter last year. Total income for the quarter stood at Rs 42.24 crore, reflecting consistent demand and stable pricing across its beverage portfolio.

Profit before tax for the quarter came in at Rs 3.47 crore, a sharp improvement from Rs 1.31 crore in the September quarter and Rs 0.39 crore a year ago. After accounting for tax expenses of Rs 0.79 crore, the company reported a net profit of Rs 2.68 crore, nearly three times the Rs 0.99 crore recorded in the preceding quarter.

On a nine-month basis, the momentum remained intact. Revenue from operations for the period ended December 31, 2025 rose to Rs 117.66 crore, compared with Rs 106.95 crore in the corresponding period last year. Net profit for the nine months climbed to Rs 5.51 crore, more than double the Rs 2.18 crore reported in the same period of the previous financial year.

The consolidated numbers told a similar story. For the December quarter, consolidated revenue from operations stood at Rs 45.06 crore, while profit after tax came in at Rs 2.06 crore. For the nine-month period, consolidated revenue touched Rs 133.57 crore, with net profit of Rs 4.49 crore, underscoring the group’s improving profitability trajectory.

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Operating expenses remained largely controlled, with cost of materials, employee benefits and other expenses broadly aligned with revenue growth. The company continued to operate within a single reportable segment beverages simplifying its cost structure and reporting framework.

The unaudited financial results were reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on 7 February 2026. Statutory auditors carried out a limited review and reported no material misstatements in the results.

In a market where margins are often squeezed by input costs and competition, Orient Beverages’ latest numbers suggest the company has found a reliable rhythm not explosive, but steady enough to keep the fizz alive.

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Washington Post CEO exits abruptly after newsroom cuts spark backlash

Leadership change follows layoffs, protests and a bruising battle over trust.

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MUMBAI: When the presses are rolling but patience runs out, even the editor’s chair isn’t safe. The Washington Post announced on Saturday that its chief executive and publisher Will Lewis is stepping down with immediate effect, bringing a sudden end to a turbulent two-year tenure marked by financial strain, newsroom unrest and public backlash.

Lewis’s exit comes just days after the Bezos-owned newspaper announced sweeping job cuts that triggered protests outside its Washington headquarters and a wave of anger from readers and staff. While newspapers across the US are grappling with shrinking revenues and digital disruption, Lewis’s leadership had increasingly come under fire for how those pressures were handled.

The Post confirmed that Jeff D’Onofrio, a former Tumblr CEO who joined the organisation last year as chief financial officer, has taken over as CEO and publisher, effective immediately. In an email to staff, later shared by reporters on social media, Lewis said it was “the right time for me to step aside.”

The leadership change follows the announcement of large-scale redundancies earlier this week. While the Post did not officially confirm numbers, The New York Times reported that around 300 of the paper’s roughly 800 journalists were laid off. Entire teams were dismantled, including the Post’s Middle East bureau and its Kyiv-based correspondent covering the war in Ukraine.

Sports, graphics and local reporting were sharply reduced, and the paper’s daily podcast, Post Reports, was suspended. On Thursday, hundreds of journalists and supporters gathered outside the Post’s downtown office in protest, calling the cuts a blow to public-interest journalism.

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Former executive editor Marty Baron described the moment as “among the darkest days in the history of one of the world’s greatest news organisations.”

Lewis defended his record in his farewell note, saying “difficult decisions” were taken to secure the paper’s long-term future and protect its ability to publish “high-quality nonpartisan news”. But his tenure coincided with growing scrutiny of editorial independence at the Post.

Owner Jeff Bezos faced criticism for reining in the paper’s traditionally liberal editorial page and blocking an endorsement of Democratic presidential candidate Kamala Harris ahead of the 2024 US election. The move was widely seen as breaking the long-standing firewall between ownership and editorial decision-making.

According to a Wall Street Journal report, around 250,000 digital subscribers cancelled their subscriptions after the paper declined to endorse Harris. The Post reportedly lost about $100 million in 2024 as advertising and subscription revenues slid.

While the wider newspaper industry continues to battle declining print advertising and the pull of social media, some national titles have stabilised. Rivals such as The Wall Street Journal and The New York Times have managed to build sustainable digital businesses, a turnaround that has so far eluded the Post despite its billionaire backing.

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As Jeff D’Onofrio steps into the role, the challenge is stark, restore confidence inside the newsroom, win back readers who walked away, and prove that one of America’s most storied newspapers can still find its footing in a brutally competitive media landscape.

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