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    <title>Beyond Gold and Gadgets: This Diwali Gift Truly Lasts</title>
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    <description>Life insurance is presented as a lasting Diwali gift offering ongoing financial protection, with three main product types: Term Insurance for high coverage at affordable premiums; Unit Linked Insurance Plans combining life cover with market-linked investment for those with risk appetite; and Savings and Retirement Plans delivering guaranteed or milestone-linked payouts for education, marriage, major purchases, and retirement. Prospective buyers are advised to assess family needs, set a sustainable budget, select the product aligned with long-term goals, and consider investment risk when choosing ULIPs. A distribution disclaimer is included.</description>
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