When my two days old sister was handed over in my arms, I felt the power of responsibility for the first time. When she reached for my arm to get up for the first time, I knew I needed to be strong to be able to support her. The first time she left my finger to walk on her own, I realised she might not need my help always; but also that I couldn’t leave her unguarded despite all.
Every exam that I have helped her study for, her every act of mischief that I have covered, every time I have been her voice when she was too scared to speak up — I wonder why she hasn’t nicknamed me ‘back-up plan’ yet. I would have really liked that! Today, I see my sister, 18 year old now — making her own pocket-money through internships, and dreaming of colleges and professions that would bring a change in her life, and in the society through her. Today when I see her taking on the world, I still look at the little girl I can’t leave unprotected.
This Rakshabandhan as she strives to find the best ‘rakhi’ for me, I struggle to think of the best gift that would be her back-up plan, when I am not around. When she ties the ‘rakhi’ on my wrist, she will look up to me for guidance and protection, assuring me at the same time that she will be alright by herself. What can I give her that would be enough, enough to last her for a lifetime?
So, I get her a term insurance policy that will—
1. Help her be strong during unforeseen conditions like a critical illness or disability.
2.Help her clear any remaining liabilities, if she doesn’t survive to pay for them in her life.
3. Help her get tax benefits on her salary.
4. Give her peace of mind by supporting people that will be her responsibility, by ensuring financial funds in her absence.
5. Serve as a base policy for the time when she plans to build the protection cover for her spouse and kids.
This year when she ties the rakhi on my wrist, I’ll give her more than protection, this rakshabandhan I’ll give her the gift of strength with a term insurance plan.