Education
Stuck with Rs. 1 Crore Life Cover? You Need to Know This
Life insurance has become a necessity in life, especially during the COVID19 pandemic. Keeping that in mind, people rush towards the nearest insurance company’s office or look for suitable types of insurance plans online. In any case, if there is one thing that almost every such individual witness, it is ‘a sum assured of Rs. 1 crore.’
You can easily find this number advertised through various mediums or highlighted in bold when you use online life insurance calculators. Indeed, Rs. 1 crore is a significant amount, and backing your family’s financial security with it can make a big difference in their lives. For instance, if you buy a pure term plan with a sum assured of Rs. 1 crore, the policy nominee will get this amount in case of your untimely demise. This could help the family members plan for their financial well-being without facing a burden. Similarly, you can get this amount back by choosing a term plan with a return of premium option.
At this point, many people ask a common question – ‘Is Rs. 1 crore the only option of sum assured we can select?’
This is not true. There are various options available at the time of buying life insurance. A mere glimpse of an online life insurance calculator can tell you what these options are.
The next important question that comes up – ‘How much sum assured should you choose?’
It is time for you to look at various factors before selecting a sum assured.
1. Your Specific Needs
Everyone should indeed invest in a life cover. But this does not mean people need to choose the same sum assured under their life insurance policies.
Before making the selection of sum assured, you must consider your financial contribution towards the family income and well-being of your dependents. In case you are the only earning individual in the family, there would not be any other source that your loved ones can depend on except your total income.
A clear idea of these expenses along with existing debts, if any, can help you decide how much sum assured you should choose. Even using a life insurance calculator is to be considered the next step after need analysis.
2. Your Total Income
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Whether you are a salaried or running a business, you would agree that regular income equals the day-to-day expenses for most individuals. It is one reason why they need to think twice about making an additional investment or fulfilling a sudden, unexpected expense.
Buying a life insurance plan also means taking the responsibility to pay its premium on time to get its benefits. Your affordability to pay the premium for the chosen policy term does matter in selecting a sum assured.
Before you purchase any type of insurance, check if it will be easier for you to include the premium in your budget. Use an online life insurance calculator to know how the premium varies with sum assured. As said above, there is no such bound to select the sum assured of Rs. 1 crore only. Choose it only if it feels suitable for your needs.
3. Your Current Life Stage
As you grow old, you will pass through different life stages, each of which requires you to plan for things differently. For instance, if you have recently started the career and other family members are not financially dependent on you, you look at life-planning from a different perspective. However, on getting married and have kids, you will get more responsibilities to handle over time. Accordingly, life goals will change, as well.
The selection of sum assured under a life insurance plan should also be based on the current life stage and goals you may have in mind. Think of it as a crucial part of investment planning in life. Plan for the amount you would need after a certain time and how a life insurance plan can help you achieve that. Use life insurance calculators to arrive at a premium-sum assured combination that is most suitable for you.
Benefits of Using Online Life Insurance Calculators
Next to considering the factors mentioned above, comes the crucial steps of getting a premium estimate online. There are several benefits that you can avail of by using life insurance calculators.
– You can select a specific sum assured and see how the premium varies as per the age parameter.
– You can check the premium variation on changing the policy period, keeping both the sum assured and age same in their respective fields. In case the premium does not seem to fit into your budget, you can increase the policy tenure and spread it over an extended period.
– You can assess the benefits of opting for limited pay or regular pay options while buying life insurance plans.
So, make sure you utilize online life insurance calculators to the fullest and get a life cover that strikes the right chords in various spheres of your life.
Education
Delhi High Court orders Law Prep Tutorial to stop using CLAT topper’s identity
Google and Meta have 72 hours to pull content that a judge called a defamatory campaign against a rival coaching firm.
DELHI: India’s fiercely competitive law-entrance coaching industry has landed in court, and a Delhi judge has wasted little time in drawing battle lines.
The Delhi high court on April 13th passed an ad-interim order in favour of Toprankers EdTech Solutions Private Limited, which runs the coaching platform LegalEdge, and Geetali Gupta, the student who secured All India Rank 1 in the Common Law Admission Test 2026. The order, passed by Justice Tushar Rao Gedela, restrains LPT EdTech Private Limited, which operates under the name Law Prep Tutorial, from using Gupta’s name, images or identity in any form across digital platforms.
A topper, a turf war and a rejected sponsorship deal
The dispute has its roots in a familiar story: a prized student, two rival coaching firms, and a falling-out over who gets the credit. According to the plaintiffs’ submissions, Gupta was enrolled in LegalEdge’s Champions Batch I programme and had credited the platform publicly for her result. Her association with Law Prep Tutorial was, the court was told, limited to mock tests and a handful of classes.
Following the declaration of results, Law Prep Tutorial allegedly approached Gupta and her family with an offer to sponsor her five-year college fees in exchange for exclusive association. The family declined. What followed, the plaintiffs say, was a sustained digital campaign against LegalEdge and against Gupta herself.
Content published across YouTube, LinkedIn, blogs and other social media platforms included a video titled “CLAT 2026 AIR 1 Geetali Gupta Controversy Exposed” and a blog post styled as an exposé of the rivalry between the two firms. The plaintiffs alleged these contained defamatory statements accusing LegalEdge of fraud, unethical practices and making false claims about toppers. AI-generated and morphed images were also said to have been circulated, including material falsely associating Gupta with Law Prep Tutorial and depicting LegalEdge’s directors in a damaging light.
What the court found
At the prima facie stage, Justice Gedela found that the blogs, posts, reels and other material on record appeared disparaging and designed to damage LegalEdge’s reputation. The defendants, the court observed, had prima facie carried out a defamatory campaign using content that appeared to have been published wilfully. The use of Gupta’s name and likeness, including AI-generated material, was found unjustified, particularly given that she had publicly credited LegalEdge and had asked the defendants to stop using her name. The court noted pointedly that the student had been drawn into the dispute as a “pawn.”
The orders
The directions are sweeping. Law Prep Tutorial and associated persons are restrained from publishing, sharing or disseminating any defamatory or derogatory content against LegalEdge across any digital platform. They are further barred from using Gupta’s name, identity or images in any form, including AI-generated or manipulated content. They are also prohibited from deleting or tampering with any internal data or communications relating to the campaign.
Critically, Google and Meta, covering YouTube, Facebook and Instagram, have been directed to disable, block access to, remove or suspend all identified content within 72 hours of the order being uploaded. The case, numbered CS(COMM) 344/2026, is listed before the joint registrar on July 14th and before the court on August 24th. Toprankers was represented by senior advocate J. Sai Deepak, alongside Ankur Khandelwal, Ravi Vaswani and Anchit Oswal, briefed by Zentrum Law Partners.
The case is a sharp reminder that in India’s cutthroat test-preparation industry, the fight for a topper’s endorsement can end up costing far more than a college sponsorship ever would.
