MAM
SC Panel announces guidelines for govt ads
NEW DELHI: A Supreme Court-appointed high- powered committee recently announced guidelines on government advertisements in order to prevent misuse of public funds for furthering political motives.
The guidelines recommend that names and pictures of political parties and their office bearers should be not mentioned in government advertisements.
The report, submitted to the apex court, also emphasises that only pictures and names of the President, the Prime Minister, Governor and Chief Ministers be published to ‘keep politics away from such ads’.
The guidelines have been framed by a three-member committee headed by eminent academician Professor NR Madhava Menon to regulate expenditure and contents of such advertisements paid out of tax payers’ money. The committee also comprises of former secretary general of Lok Sabha TK Viswanathan and solicitor general Ranjit Kumar. The apex court had decided to frame these guidelines on 23 April to prevent the misuse of public money.
The apex court bench headed by chief justice P Sathasivam with justice Ranjan Gogoi and N V Ramana had said that the existing guidelines of the Directorate of Advertising and Visual Publicity (DAVP) do not cover such advertisements. There was therefore a need for substantive guidelines to be issued by the Court until the legislature enacts a law in this regard.
The report also added that the committee has included suggestions of the Election Commission about severe restrictions on such advertisements six months prior to elections.
It further endorsed that a deadline should be fixed for prohibiting their publication and the poll panel should be authorised for the purpose.
The report recommended that the central and state governments must decide in advance on a list of personalities whose birth or death anniversaries will be marked with ads.
The government must then specify which Ministry should release the ad to avoid different departments and state-run companies from paying tribute to the same leader with a multitude of ads. “There should be a single advertisement only,” the Committee said.
The Bench had also noted that the Directorate of Advertisement and Visual Publicity (DAVP) guidelines do not lay down any criteria for the advertisements to qualify for public purpose as opposed to partisan ends and political mileage, adding that there is a need to distinguish between the advertisements that are part of government messaging and daily business and advertisements that are politically motivated.
The Government in its counter affidavit claimed that 60 per cent of the advertisements released by the DAVP on behalf of various ministries/departments/public sector undertakings of the Central Government relate to classified or display/classified category such as UPSC/SSC or recruitment, tender and public notices, etc. The respondents asserted that government advertisements sometime carry messages from national leaders, ministers and dignitaries accompanied with their photographs.
However, Government counsel K Radhakrishnan said the purpose of such advertisements is not to give personal publicity to the leaders or to the political parties they belong to rather the objective is to let the people know and have authentic information about the progress of the programmes/performance of the government they elected and form informed opinions, which is one of the fundamental rights of the citizens in our democracy as enshrined in the constitution.
If you are actively investing to grow your money month after month, you already understand the value of planning ahead. SIPs, long-term portfolios, retirement planning and goal-based investing all point to one thing. You are building a future with intent.
What often gets missed in this process is one foundational question. How well is the income that funds all these plans protected?
Term life insurance fits naturally into this stage of financial planning. It does not compete with investments. It supports them by protecting the income that makes long-term growth possible.
Why Income Protection Is a Core Part of Financial Planning
Every financial plan begins with income. Before money is invested or saved, it is earned.
Over time, this income is allocated across multiple needs:
● monthly household expenses
● EMIs and long-term loans
● savings and emergency funds
● investments aimed at future goals
As responsibilities increase, financial planning becomes layered. Each layer assumes income continuity. Term life insurance exists to ensure that this structure does not become fragile due to overdependence on a single income source.
It adds stability to plans already in motion rather than introducing a new objective.
What does term life insurance do?
Term life insurance provides a fixed payout to your nominee if you pass away during the policy term. The purpose of this payout is practical and clearly defined.
It is intended to:
● replace lost income for a defined period
● help manage outstanding liabilities
● support ongoing household and goal-based expenses
There is no investment or savings component. This keeps the product focused and cost-efficient, allowing individuals to opt for meaningful coverage without diverting funds meant for growth-oriented investments.
Why Term Life Insurance Complements Investing?
Investments and insurance play different roles in a financial plan.
Investments are designed to:
● grow wealth over time
● compound with consistency
● be adjusted as goals and risk appetite change
Term life insurance is designed to:
● provide financial continuity
● protect existing plans from disruption
● remain stable once put in place
Keeping these roles separate improves clarity. Investments are allowed to perform without being forced to double up as protection, while insurance quietly supports the overall structure.
Who Should Consider Term Life Insurance?
Term life insurance becomes relevant when financial planning extends beyond individual needs. This typically includes:
a) Working professionals
When income supports shared expenses or long-term plans, protection becomes essential.
b) Individuals with long-term liabilities
Home loans, education loans and other EMIs often extend over decades. Term insurance ensures these obligations remain manageable.
c) Parents planning future milestones
Education, healthcare and lifestyle goals require continuity over many years.
d) Early planners with rising incomes
Starting earlier allows coverage to align smoothly with career progression and evolving responsibilities.
How Much Coverage Should Be Considered?
Coverage should be guided by financial reality rather than affordability alone.
A well-rounded evaluation typically considers:
● number of years income needs to be replaced
● existing and future liabilities
● long-term goals already planned
● inflation and rising living costs
Many insurance companies offer options starting from 50 lakhs, 1 crore term insurance and higher. It allows individuals to choose coverage based on their income, liabilities and future plans.
How Term Life Insurance Fits Into a Long-Term Plan
Once set up, term life insurance does not demand frequent attention.
It does not require active monitoring, market tracking or performance reviews. Its role is structural rather than dynamic.
By ensuring financial continuity, it allows families to:
● stay aligned with long-term plans
● avoid rushed financial decisions
● focus on execution rather than damage control
When aligned correctly, term insurance strengthens the foundation on which investments, savings and retirement plans are built.
Choose the Right Insurance Partner
Once the need, coverage amount and role of term life insurance are clear, the final and most important step is choosing the right partner.
This decision should be based on:
● clarity and transparency in policy terms
● a strong claim settlement track record
● consistency in servicing and communication
● the ability to support long-term financial planning rather than just selling a product
Term life insurance is a long-term commitment. The partner you choose today will be the one your family relies on years down the line.
When protection is aligned with purpose and backed by a dependable insurer, term life insurance becomes a quiet but powerful part of a well-built financial plan.
