Best Life Insurance Policies For NRIs Returning To India

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Here’s something that came up in one of our community calls last year.

A member – let’s call him Suresh – moved back from Texas after 14 years. Within two months, he received a notice from his US term life insurer. They wanted to know his new address.

When he updated it to an Indian address, they sent a letter saying his policy would not be renewed after the current term ended.

He panicked. He was 44 years old. Two kids in school. No Indian life insurance. And now, his US policy was essentially on a countdown timer.

Suresh isn’t alone. I’ve heard versions of this story dozens of times in our WhatsApp community.

Life insurance is one of those things that falls through the cracks when you’re busy with the hundred other things involved in moving back.

Visa paperwork, shipping, schools, banking, finding a house.

But it shouldn’t. Because the gap between losing your foreign coverage and getting Indian coverage is a real and dangerous window.

Let me walk you through exactly how to handle this – whether you’re starting fresh, continuing existing policies, or figuring out what to buy.

First, Why Life Insurance Matters More During the Move

When you’re settled in one country with a stable job, life insurance is important but feels abstract.

During a major life transition? It becomes critical.

Think about it. You’re likely dealing with:

A career change or gap between jobs
Potentially lower income (at least temporarily)
Kids adjusting to new schools
Savings being deployed for relocation expenses
No established support system yet in India

If something happens to the primary earner during this period, the family is in the worst possible position. New country, reduced savings, no income, and no insurance payout.

This is exactly why I tell every returning NRI: sort out your life insurance BEFORE or right when you move back. Not six months later.

Part 1: What to Do With Your Existing Foreign Policies

Let’s start with what you already have. Most NRIs have some combination of these:

US Term Life Insurance

This is the most common one. You probably got a 20 or 30-year term policy through your employer or independently.

Can you keep it after moving to India?

It depends on the insurer and the policy type.

Employer-provided group life insurance typically ends when you leave the company. Some employers offer a conversion option (converting group coverage to individual coverage), but you usually have 30-60 days after leaving to exercise this. And the premiums are almost always much higher.

Individual term life policies (bought independently from companies like Prudential, MetLife, Northwestern Mutual, etc.) generally remain valid even if you move abroad. Your death benefit would still be paid out.

BUT – and this is a big but – there are practical complications:

Some insurers won’t renew the policy when the term ends if you’re living outside the US
Premium payments need to come from a US bank account (which is harder to maintain after moving – check our guide on keeping US bank accounts)
Claims processing for deaths outside the US can be slower and require additional documentation
If you let the policy lapse, getting a new one from a US insurer while living in India is nearly impossible

My recommendation: If you have a US term life policy with many years remaining, keep it active. Maintain a US bank account for premium payments. But don’t rely on it as your ONLY coverage. Get Indian coverage as a supplement.

If your US policy is expiring soon (within 2-3 years), start shopping for Indian term insurance immediately. Don’t wait for the US policy to lapse.

US Whole Life or Universal Life Insurance

These are permanent policies with a cash value component.

If you have one, it stays valid regardless of where you live. The cash value continues to grow. You can keep paying premiums from a US bank account.

Should you surrender it?

This is a case-by-case decision. Consider:

How much cash value has accumulated?
What are the surrender charges?
Is the death benefit still meaningful for your family?
What are the tax implications of surrendering? (Gains above your cost basis are taxable in the US, and potentially in India too during RNOR period)

If the cash value is substantial and the policy is performing well, keeping it may make sense. If it’s an expensive policy with low cash value and high fees, surrendering might be the better move.

Talk to a tax professional who understands both US and Indian tax implications before making this call. Our guide on DTAA between India and the US covers the basics of how double taxation is handled.

UK, UAE, Singapore, or Other Country Policies

UK policies: Generally continue to be valid after you move. Premiums are paid in GBP. Claims processing is straightforward for deaths outside the UK.

UAE policies: Most UAE insurance policies are tied to your UAE residency. Once your visa is cancelled, coverage typically ends. Check with your specific insurer, but plan on needing Indian coverage.

Singapore policies: Similar to the UK – most policies remain valid. Singapore insurers generally have no residency restrictions for existing policyholders.

Canada policies: Policies usually remain valid. However, some insurers may adjust terms if you become a non-resident.

General rule: Check with your insurer directly. Ask specifically: “If I move to India permanently, does my policy remain valid? Are there any changes to terms, premiums, or the claim process?”

Old Indian LIC or Other Indian Policies

Many NRIs had LIC policies before they left India. Maybe your parents bought one for you. Maybe you bought one yourself before moving abroad.

Good news – these are the easiest to continue.

If the policy is still active (premiums were paid), it simply continues. You just need to update your address and residential status with the insurer.

If the policy lapsed while you were abroad, you may be able to revive it. LIC allows revival within 5 years of the first unpaid premium (sometimes even beyond, under special schemes). You’ll need to pay the back premiums with interest and may need a medical examination.

Is that old LIC policy worth continuing?

This is where I’d urge you to think carefully.

Many old LIC endowment policies have very low sum assured amounts. Like Rs 5-10 lakh. That might have seemed like a lot in 2005, but it won’t cover much today.

If the policy has a low sum assured, continuing it for the “savings” component rarely makes sense. The returns on traditional LIC endowment plans are typically 4-6% – lower than what you’d earn from fixed deposits or mutual funds.

My suggestion: If the old policy has a meaningful sum assured (Rs 50 lakh+), continue it. If it’s a small endowment plan, consider either surrendering it or making it paid-up (stop paying premiums but keep whatever benefit has accumulated). Then buy a proper term plan for the coverage you actually need.

Part 2: How Much Life Insurance Do You Actually Need?

Before we talk about which policy to buy, let’s figure out the right amount.

The common rule of thumb is 10-15x your annual income. But for returning NRIs, I’d modify this formula.

A better approach for returnees:

Calculate based on these four factors:

1. Income replacement

How many years of income does your family need if you’re not around? Multiply your expected annual income in India by the number of years until your youngest child is financially independent.

Example: Rs 25 lakh annual income x 20 years = Rs 5 crore

2. Outstanding debts

Include any home loan, car loan, or other liabilities. These should be covered separately.

3. Children’s education

Estimate the cost of education for each child through college. For international schools and quality higher education, this can be Rs 50 lakh to Rs 1 crore per child easily.

4. Existing assets

Subtract any savings, investments, and existing insurance coverage (US policies you’re keeping, spouse’s coverage, etc.)

The formula:

Cover needed = (Income replacement) + (Outstanding debts) + (Education costs) – (Existing assets and coverage)

For most returning NRIs with families, this typically comes to Rs 1-3 crore. Some need more.

Important: This cover amount should be your Indian insurance target, separate from any foreign policies you’re continuing. Think of foreign policies as bonus coverage, not primary coverage.

Part 3: Types of Life Insurance – What Makes Sense for Returnees

There are several types of life insurance available in India. Let me be direct about which ones make sense.

Term Insurance (Pure Protection) – This is What You Need

A term plan is pure life insurance. You pay a premium. If you die during the term, your family gets the sum assured. If you survive the term, you get nothing back (unless you chose return of premium).

Why this is the best option for most returning NRIs:

Highest coverage at the lowest premium
Simple and transparent – no complex investment component
Premiums can be 40-50% cheaper than equivalent international term plans
Tax benefits under Section 80C on premiums (up to Rs 1.5 lakh)
Death benefit is tax-free under Section 10(10D)

A 35-year-old non-smoker can get Rs 1 crore term cover for roughly Rs 8,000-12,000 per year. That’s incredibly affordable.

Whole Life / Endowment Plans – Generally Avoid

These combine insurance with savings. The premiums are 8-10x higher than term plans for the same coverage, and the returns are mediocre (4-6%).

You’re better off buying a term plan for coverage and investing the premium difference in mutual funds or other instruments. This is the “buy term, invest the rest” strategy. It almost always outperforms traditional endowment plans.

ULIPs – Be Cautious

Unit Linked Insurance Plans combine insurance with market-linked investments. They’ve improved since IRDAI regulations tightened the fee structure, but they’re still not ideal for most returnees.

The lock-in is 5 years. The charges in the first few years eat into returns. And the insurance component is usually minimal.

If you want to invest in markets, use SIPs through mutual funds. If you want insurance, buy term insurance. Keeping them separate gives you more flexibility and usually better returns.

Return of Premium (ROP) Term Plans – Worth Considering

These are term plans where you get all your premiums back if you survive the term. The premium is higher (roughly 2-2.5x a regular term plan), but you get 100% of premiums refunded at maturity.

Some community members love this option because it removes the “I’m paying for nothing if I survive” objection to pure term insurance.

My take: Mathematically, regular term + investing the premium difference gives better returns. But psychologically, if ROP makes you actually buy adequate coverage instead of underinsuring yourself, it’s worth it.

Part 4: Best Term Insurance Plans for Returned NRIs (2026)

Here’s where we get specific. I’m recommending based on three factors that matter most:

Claim Settlement Ratio (CSR) – What percentage of claims does the company actually pay?
Product features – Riders, flexibility, payout options
NRI-friendliness – How easy is the application process for someone who recently returned?

Understanding Claim Settlement Ratios

This is THE most important number when choosing a life insurance company. Everything else is secondary.

CSR tells you: of all the death claims received, what percentage did the company pay out?

Here are the latest numbers based on IRDAI data:

Insurer	CSR (FY 2024-25)	Solvency Ratio	Years in Operation
HDFC Life	99.71%	1.89	24+ years
Axis Max Life	99.70%	1.96	24+ years
ICICI Prudential	99.17%	2.04	24+ years
Tata AIA	99.09%	1.80	23+ years
Bajaj Allianz Life	98.80%	4.33	23+ years
SBI Life	98.62%	1.76	23+ years
LIC	98.35%	1.87	68+ years
Kotak Life	98.50%	2.51	23+ years

My rule: Only consider insurers with CSR consistently above 98% for the last 3-5 years. One good year doesn’t count. Consistency matters.

Also look at the Amount Settlement Ratio (ASR) – this tells you what percentage of the claimed AMOUNT was paid. A company might settle 99% of claims by number but only 85% by amount (meaning they partially pay some claims). Both numbers should be high.

My Top Recommendations

1. HDFC Life Click 2 Protect Super

Best overall choice for most returned NRIs.

CSR: 99.71% (highest among private insurers for FY 2024-25)
Cover options: Life Only, Life Plus (includes critical illness), Life & Income, Life & Goal
Maximum cover: Up to Rs 20 crore
Key features: Increasing cover option to beat inflation, built-in waiver of premium on critical illness, flexible payout options for nominee
NRI-friendly: Online application available, smooth transition from NRI to resident status

Why it works for returnees: The “increasing cover” option is valuable because your expenses in India will grow over time. And the critical illness rider means you don’t need a separate policy.

Approximate premium: Rs 10,000-13,000/year for a 35-year-old non-smoker, Rs 1 crore cover, 30-year term.

2. Axis Max Life Smart Term Plan Plus

Best for claim settlement confidence.

CSR: 99.70% (consistently among the top 2-3 for years)
Cover: Up to Rs 25 crore
Key features: Joint life cover option (covers both spouses under one policy), built-in terminal illness benefit, special exit option returns 100% of premiums
NRI-friendly: Smooth process for both NRIs and recently returned residents, medicals can be done at home

Why it works for returnees: The joint life option is excellent for families where both spouses work. And the special exit option gives a “return of premium” style safety net without the full ROP premium.

Approximate premium: Rs 9,000-12,000/year for a 35-year-old non-smoker, Rs 1 crore cover, 30-year term.

3. ICICI Prudential iProtect Smart Plus

Best for comprehensive coverage with critical illness.

CSR: 99.17%
Cover: Up to Rs 20 crore
Key features: Coverage for 34 critical illnesses (optional), accidental death benefit, premium break facility (can pause premiums for a year during financial stress), life stage increase (increase cover at marriage, child birth, home loan)
NRI-friendly: Well-established NRI servicing infrastructure, offices in multiple countries, ICICI Bank customers get smoother processing

Why it works for returnees: The premium break option is great for the transition period when income might be uncertain. And the life stage benefit means your cover grows with your responsibilities.

Approximate premium: Rs 8,500-11,000/year for a 35-year-old non-smoker, Rs 1 crore cover, 30-year term.

4. Tata AIA Sampoorna Raksha Promise

Best value for money.

CSR: 99.09%
Cover: Up to Rs 2 crore (higher under Maha Raksha Supreme)
Key features: Built-in terminal illness benefit, option to add spouse coverage, instant death benefit of Rs 3 lakh paid within one working day of claim intimation (while the rest is processed), whole life cover option
NRI-friendly: Digital onboarding, smooth documentation for returned NRIs

Why it works for returnees: The instant Rs 3 lakh payout on claim intimation is a thoughtful feature. When a family member dies, the family needs immediate cash for expenses. This bridges the gap while the full claim is processed.

Also, Tata AIA offers wellness discounts through their app. If you maintain a healthy lifestyle (tracked via the app), your premiums can reduce over time.

Approximate premium: Rs 7,500-10,000/year for a 35-year-old non-smoker, Rs 1 crore cover, 30-year term.

5. SBI Life eShield Next

Best if you prefer a PSU-backed insurer.

CSR: 98.62%
Cover: Multiple options including level cover and increasing cover
Key features: Backed by SBI ecosystem, affordable premiums, customizable plan options
NRI-friendly: Huge branch network, easy for in-person servicing after returning

Why it works for returnees: If you banked with SBI as an NRI (which many do), the integration is seamless. And SBI’s extensive branch network means you can walk into any branch for servicing.

Approximate premium: Rs 7,000-9,500/year for a 35-year-old non-smoker, Rs 1 crore cover, 30-year term.

Quick Comparison Table

Feature	HDFC Click 2 Protect Super	Max Life Smart Term Plus	ICICI iProtect Smart Plus	Tata AIA Sampoorna Raksha	SBI Life eShield Next
CSR (FY 2024-25)	99.71%	99.70%	99.17%	99.09%	98.62%
Max Cover	Rs 20 Cr	Rs 25 Cr	Rs 20 Cr	Rs 2 Cr	Rs 10 Cr
Critical Illness Rider	Yes	Yes	Yes (34 illnesses)	Yes (optional)	Yes
Increasing Cover	Yes	Yes	Yes (life stage)	No	Yes
Return of Premium Option	Yes	Yes (special exit)	No	No	No
Joint Life Cover	No	Yes	No	Yes (spouse)	No
Whole Life Option	Yes (up to 99)	Yes (up to 100)	Yes (up to 99)	Yes (up to 100)	No
Premium Break	No	No	Yes (1 year)	No	No
Approximate Annual Premium (35M, NS, Rs 1Cr, 30yr)	Rs 10,000-13,000	Rs 9,000-12,000	Rs 8,500-11,000	Rs 7,500-10,000	Rs 7,000-9,500

NS = Non-Smoker. Premiums are approximate and vary based on age, health, city, and exact plan configuration.

Part 5: Starting From Scratch – Step by Step

If you have no existing life insurance (or your foreign coverage is ending), here’s exactly what to do.

Step 1: Calculate Your Cover Requirement

Use the formula from Part 2 above. Write down the number. For most returning NRI families, it’s Rs 1-3 crore.

Step 2: Get Your Documents Ready

You’ll need:

PAN card (mandatory)
Aadhaar card (with updated address)
Passport
Address proof (rental agreement, utility bill, or Aadhaar)
Income proof – this can be tricky for recent returnees

Income proof options if you just moved back:

Offer letter from new Indian employer
Salary slips from your last foreign employer (some insurers accept this)
Bank statements showing salary credits or substantial savings
ITR from your last year abroad
For self-employed: CA certificate or business proof

Step 3: Medical Tests

Most term insurance policies above Rs 50 lakh require medical tests. These typically include:

Blood tests (CBC, blood sugar, liver function, kidney function, lipid profile)
Urine test
ECG
Sometimes a treadmill test (for higher covers or older applicants)

The insurer usually arranges a medic to visit your home. It’s free of charge.

Important tip: Don’t time your medical test right after a long international flight or during the stressful first week of settling in. Wait at least a week. Jetlag, stress, and disrupted sleep can temporarily affect your blood test results.

Step 4: Apply Online

All five insurers I recommended above offer online applications. The process typically takes 15-20 minutes.

You can also go through an insurance aggregator like Policybazaar or Ditto Insurance for comparison, or work with a trusted insurance advisor.

Community tip: Several members have had good experiences with Ditto Insurance for unbiased advice. They’re fee-free (they earn commission from the insurer, not from you) and their advisors explain the fine print well.

Step 5: Wait for Underwriting

After medical tests and document verification, the underwriter reviews your application. This takes 7-15 days typically.

Possible outcomes:

Standard acceptance: You’re approved at normal rates
Acceptance with loading: You’re approved but at a higher premium (usually due to health conditions, BMI, or lifestyle factors)
Postponement: They want to wait and recheck after some time
Decline: Rare, but possible for serious health conditions

If you’re loaded or declined by one insurer, try another. Underwriting standards vary.

Step 6: Activate and Set Up Auto-Pay

Once approved, pay the first premium and activate the policy. Set up auto-debit from your Indian bank account for annual or monthly premium payments.

Never let a policy lapse due to missed premium payments. Set up auto-pay and forget about it.

Part 6: Timing Your Insurance Purchase Around the Move

The ideal timeline looks like this:

3-6 months before returning:

Review and understand your existing foreign coverage
Decide what to keep and what will lapse
Research Indian term insurance options
If possible, apply for an Indian term plan while still abroad (some insurers allow this for NRIs, and you can convert to resident terms later)

1-2 months before returning:

If you couldn’t apply from abroad, make it a priority for the first week after landing
Gather all documents
Get PAN and Aadhaar sorted first (you need these for the application)

First month in India:

Apply for term insurance
Complete medical tests
Don’t cancel your foreign policy until the Indian policy is active and in force

The golden rule: Never have a gap in coverage. Keep your foreign policy running until the Indian policy is confirmed and active. Even if it means paying premiums on both for a month or two.

Part 7: Common Mistakes Returned NRIs Make With Life Insurance

Mistake 1: Buying insurance-cum-investment plans

This is the biggest one. Agents in India will push endowment plans, money-back plans, and ULIPs because they earn higher commissions on these products (30-40% of first year premium for traditional plans vs 5-10% for term plans).

Don’t mix insurance with investment. Buy term insurance for protection. Invest separately through SIPs, stocks, or other options.

Mistake 2: Under-insuring to save on premiums

Rs 1 crore cover costs about Rs 10,000/year. Rs 50 lakh cover costs about Rs 6,000/year. The Rs 4,000 difference is negligible. But the coverage gap is 50%.

Don’t be penny-wise here. Get adequate coverage even if the premium is slightly higher.

Mistake 3: Not disclosing pre-existing conditions

When you fill out the application form, be 100% honest about your health history. If you hide a condition and the insurer discovers it during a claim investigation, the claim can be rejected.

Even conditions you think are minor – like controlled hypertension or borderline thyroid – should be declared.

Mistake 4: Not adding critical illness rider

A critical illness rider pays a lump sum if you’re diagnosed with specified conditions (cancer, heart attack, stroke, kidney failure, etc.). The additional premium is modest – typically Rs 1,500-3,000/year for Rs 25-50 lakh critical illness cover.

Given the stress of a major life transition and the cost of healthcare in India for serious conditions, this rider is absolutely worth adding.

Mistake 5: Relying only on employer insurance

If your new Indian employer provides group life insurance, great. But don’t rely on it as your only coverage.

Employer coverage ends when you leave the company. And the amount is usually insufficient (1-2x annual salary).

Always have your own individual term plan.

Mistake 6: Delaying because you’re “still figuring things out”

Every month you delay, your premium goes up slightly (it’s age-based). And you’re uninsured during the delay.

If you’re 35 today and buy next year at 36, the premium difference over 30 years could be Rs 15,000-30,000. More importantly, if something happens during that one year gap, your family has nothing.

Riders Worth Adding

When you buy a term plan, you can add “riders” (add-on covers) for a small additional premium. Here are the ones worth considering:

Critical Illness Rider: Pays a lump sum on diagnosis of listed illnesses. Must-have.

Accidental Death Benefit Rider: Pays additional sum if death is due to an accident. Nice-to-have if you’re on a budget.

Waiver of Premium Rider: If you become permanently disabled or critically ill, the insurer waives future premiums but keeps the policy active. Very useful for the transition period.

Terminal Illness Benefit: Most policies now include this at no extra cost. If you’re diagnosed with a terminal illness (less than 6 months to live), you receive a portion of the sum assured immediately.

Tax Benefits for Returned NRIs

Life insurance premiums qualify for tax deduction under Section 80C (up to Rs 1.5 lakh per year, combined with other eligible investments).

The death benefit received by nominees is completely tax-free under Section 10(10D) of the Income Tax Act.

If you’re in RNOR status (which most returnees are for 2-3 years), your tax situation is unique. Consult a financial advisor who understands cross-border taxation to maximize your benefits.

Also, if you’re still paying premiums on a US whole life policy, understand the tax treatment in both countries. The DTAA between India and the US helps avoid double taxation, but you need to claim the benefits correctly.

A Quick Word on Health Insurance vs Life Insurance

These are two different things. Don’t confuse them.

Life insurance pays your family if you die. It replaces your income.

Health insurance pays for medical treatment if you get sick or injured. It covers hospital bills.

You need both. We have a separate guide on health insurance for NRIs that covers the health insurance side in detail.

FAQ

Can I buy Indian term insurance while still living abroad as an NRI?

Yes, most major insurers (HDFC Life, ICICI Prudential, Max Life, Tata AIA) allow NRIs to buy term insurance. You can apply online, and the medical examination can be arranged in your country of residence. Premiums can be paid through NRE/NRO accounts. When you return to India, inform the insurer about your status change to resident.

My US term life insurance expires in 2 years. What should I do?

Apply for Indian term insurance now, while you’re still healthy and young. Once the Indian policy is active, you can let the US policy expire naturally. Don’t cancel the US policy early – use the full remaining term as overlap coverage.

Is LIC better than private insurers for term insurance?

LIC has a CSR of 98.35%, which is good. But several private insurers have higher CSRs (HDFC Life at 99.71%, Max Life at 99.70%). Private insurers also tend to have better online processes and faster claim settlement. LIC’s strength is its massive branch network and government backing. Either is fine, but don’t choose LIC just because “it’s government.”

I’m 45. Is it too late to get affordable term insurance?

No, but premiums will be higher than if you’d bought at 35. A 45-year-old non-smoker can still get Rs 1 crore term cover for roughly Rs 20,000-28,000/year. Still affordable. The older you get, the more expensive it becomes and the harder it is to qualify medically. So don’t delay further.

How much cover do I need if my spouse also works?

Calculate each spouse’s cover independently based on their income contribution, debts, and responsibilities. Even if both work, each should have individual coverage. A joint life plan (available from Max Life) can cover both under one policy at a discount.

What happens to my Indian term insurance if I move abroad again?

Your policy remains valid. You’ll need to inform the insurer about your change of address and residential status. Premiums continue as normal (paid from an Indian or NRE account). Claims are honored worldwide.

Should I go for Return of Premium (ROP) term insurance?

ROP costs about 2-2.5x a regular term plan. If you survive the term, you get all premiums back. Mathematically, investing the premium difference in mutual funds would likely give better returns. But if the ROP feature makes you buy adequate coverage (instead of under-insuring to save premium), it’s worth the extra cost.

Can my family in India file a claim if I die abroad?

Yes. Indian life insurance policies provide worldwide coverage. The nominee needs to submit the death certificate (attested by the Indian embassy/consulate in that country), policy documents, and the claim form. Some additional documentation may be required for deaths abroad, but the claim itself is valid.

I have diabetes / hypertension / thyroid issues. Can I still get term insurance?

Yes, in most cases. You may be charged a higher premium (called “loading”) based on the severity and how well the condition is managed. Some insurers are more lenient than others. Apply to 2-3 insurers and see who offers the best terms. Never hide a medical condition – it can lead to claim rejection later.

Is buying through an aggregator (Policybazaar) better than buying directly?

Both work. Aggregators let you compare multiple plans side by side. Buying directly from the insurer’s website is also fine. The premium is the same either way (insurers can’t charge different premiums through different channels). What matters is that you read the policy document carefully before buying.

Disclaimer: Life insurance is a complex financial product. The premiums mentioned are approximate and vary based on age, health, lifestyle, and policy configuration. Claim settlement ratios are from IRDAI annual reports and may change year to year. This article is for informational purposes only and is not insurance advice. Please verify current terms, premiums, and features directly with the insurer before making a purchase.

If you’re planning your move back, join our WhatsApp community at https://backtoindia.com/groups – 20,000+ NRIs helping each other with real, lived experience. It’s free and volunteer-run.

Life insurance isn’t something anyone likes thinking about. But getting it right, especially during a major life transition, gives you and your family tremendous peace of mind.

That’s what this whole journey is about, isn’t it? Making sure the people you love are taken care of, no matter what.

Best Life Insurance Policies for NRIs Returning to India