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Plan"}}]}],"show_maintenance":"No","tags":[{"tags":[{"id":"317","name":"Popular"}],"url":["/blog/guides/popular"]},{"tags":[{"id":"320","name":"Savings"}],"url":["/blog/guides/savings"]},{"tags":[{"id":"322","name":"Retirement"}],"url":["/blog/guides/retirement"]},{"tags":[{"id":"1978","name":"Child"}],"url":["/blog/guides/child-plan"]},{"tags":[{"id":"2055","name":"Advice"}],"url":["/blog/guides/advice"]}]}],"headers":{"x-powered-by":["Express"],"access-control-allow-origin":["*"],"x-frame-options":["SAMEORIGIN"],"content-type":["text/html; charset=utf-8"],"content-length":["4615"],"etag":["W/\"1207-8JGvDd7Wk4TRnhlcA775m5Nelk8\""],"vary":["Accept-Encoding"],"date":["Sun, 01 Sep 2024 15:21:02 GMT"],"connection":["keep-alive"],"keep-alive":["timeout=5"]},"status":200,"statusText":"OK","url":"http://127.0.0.1:4000/api/v1/blog-detail-page","responseType":"json"},"3093321900":{"body":[{"title":"Navigating the Risk: Understanding the Causes and Consequences of Life Insurance Policy Lapses","heading":"Navigating the Risk: Understanding the Causes and Consequences of Life Insurance Policy Lapses","description":"\u003Cp>\u003Cem>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Explore the common reasons behind policy lapses and the potential impact on policyholders. Discuss preventive measures and strategies to safeguard life insurance coverage.\u003C/span>\u003C/em>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Life insurance is a bedrock in \u003C/span>\u003Ca href=\"https://www.shriramlife.com/blog/advice/life-insurance-in-comprehensive-financial-planning\" target=\"_blank\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">financial planning\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">, offering assurance and stability for individuals and their families. Yet, the spectre of policy lapses looms large, threatening to unravel this safety net. Unravelling the intricacies of these lapses, understanding their root causes, and the dire consequences they entail are paramount in shielding oneself from financial vulnerability.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>Unraveling Policy Lapses\u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">A life insurance policy lapse emerges when a policyholder falters in paying premiums within the stipulated grace period. This negligence culminates in the cessation of coverage, leaving policyholders and their beneficiaries perilously exposed to financial turbulence in times of need.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>Delving into Common Causes\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>1. Financial Hardship:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Economic downturns or personal financial crises can compel individuals to prioritize other expenses over insurance premiums, jeopardizing the policy's integrity.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>2. Ignorance or Oversight:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Some policyholders fail to grasp the gravity of timely premium payments or overlook the repercussions of a policy lapse, entangling themselves in a precarious situation.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>3. Administrative Oversights:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Neglecting to update contact information or banking details can result in missed premium notifications, ultimately leading to policy lapses.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>4. Disillusionment Due to Underperformance:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">When policies fail to meet initial expectations, disillusionment may set in, prompting policyholders to let their coverage lapse.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>5. Health Complications:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Sudden health crises or significant medical events may force individuals to redirect funds, inadvertently leading to missed premium payments and eventual lapses.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>Consequences Unveiled\u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">The fallout from a life insurance policy lapse can be catastrophic, casting a long shadow over both the policyholder and their beneficiaries.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>1. Coverage Voidance:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">The immediate aftermath of a policy lapse is the loss of insurance coverage, leaving individuals and their families exposed to financial exigencies and unforeseen circumstances.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>2. Reinstatement Hurdles:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Reinstating a lapsed policy often necessitates additional underwriting or proof of insurability, rendering the process arduous or financially burdensome.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>3. Financial Erosion:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Policyholders may forfeit the investment component of permanent life insurance policies, such as cash value accumulation or dividends, resulting in diminished long-term financial gains.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>4. Impact on Beneficiaries:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">In the event of the policyholder's demise during a lapse, beneficiaries may be deprived of the intended financial cushion, plunging them into financial turmoil.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>Fortifying Against Lapses\u003C/strong>\u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>1. Financial Vigilance and Planning\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Prioritize insurance premiums within your budgetary framework, ensuring their punctual payment even amidst financial turbulence. Establishing an emergency fund can cushion the impact of unexpected expenses, safeguarding insurance premium payments.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>2. Routine Policy Scrutiny\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Regularly assess your \u003C/span>\u003Ca href=\"https://www.shriramlife.com/life-insurance\" target=\"_blank\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">life insurance policies\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\"> to gauge their performance, adequacy, and relevance in light of evolving life circumstances. Collaborate with financial advisors to optimize your insurance portfolio and address any deficiencies.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>3. Automated Payment Mechanisms\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\"https://www.shriramlife.com/blog/advice/nach-auto-debit-payment-for-renewals\" target=\"_blank\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Enroll in automated premium payment systems\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\"> or electronic funds transfer (EFT) to streamline premium payments and avert the risk of oversight or administrative mishaps.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>4. Stay Informed and Proactive\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Educate yourself on the intricacies of your life insurance policy, including grace periods, reinstatement procedures, and the repercussions of lapses. Remain proactive in managing your policy and promptly address any communication from your insurer.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>5. Flexible Policy Features\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Explore policy riders and flexible options that augment protection or adjust coverage to suit evolving needs. Features like premium waivers in case of disability or critical illness can provide invaluable financial respite during challenging times.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>6. Prioritize Health Maintenance\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Invest in your health through regular exercise, healthy lifestyle choices, and proactive healthcare measures. Timely addressing of health concerns can avert disruptions to your insurance coverage due to medical issues.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>7. Seek Expert Counsel\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Consult reputable insurance advisors or financial planners to assess your insurance needs, compare policy options, and craft a robust risk management strategy. Professional guidance ensures that your coverage aligns seamlessly with your long-term objectives.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>8. Policy Monitoring Tools\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Utilize technology-driven tools and apps that offer policy monitoring and reminders for premium payments. These tools can help you stay organized and ensure timely payments, reducing the risk of overlooking payment deadlines.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>9. Regular Policy Reviews with the Insurer\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Schedule periodic reviews with your insurance provider to assess your policy's performance, discuss any changes in your circumstances, and explore potential options for adjusting your coverage to better suit your evolving needs.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>10. Emergency Fund Allocation\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Set aside a dedicated portion of your emergency fund specifically for insurance premiums. Having a separate fund ensures that you always have the means to cover premiums, even during times of financial strain or unexpected expenses.\u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">In essence, navigating the perilous waters of life insurance policy lapses mandates proactive planning, financial astuteness, and a thorough comprehension of policy intricacies. By addressing root causes and implementing preventive measures, policyholders can fortify their coverage, ensuring financial security for themselves and their loved ones amidst life's uncertainties. 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Android\",\"heading\":\"Android\",\"icon\":[{\"media_img\":null,\"media_svg\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-04/android.svg\",\"media_svg_alt\":\"android\",\"media_document\":null}],\"menu_link\":{\"url\":\"https://play.google.com/store/apps/details?id=com.svs.slic\",\"text\":\"https://play.google.com/store/apps/details?id=com.svs.slic\"}}]}],\"copy_rights\":\"\u003Cp>© Shriram Life Insurance Co. Ltd. All the rights reserved. Registered with Insurance Regulatory & Development authority of India (IRDAI) as Life Insurance Company. Regn. No. 128. CIN: U66010TG2005PLC045616\u003C/p>\"}]","api/v1/disclaimer/understanding-the-causes-and-consequences-of-life-insurance-policy-lapses":"[]","http://127.0.0.1:4000/api/v1/disclaimer/understanding-the-causes-and-consequences-of-life-insurance-policy-lapses":"[]","api/v1/meta-info/understanding-the-causes-and-consequences-of-life-insurance-policy-lapses":"[{\"title\":\"Understanding Life Insurance Policy Lapses: Causes & Consequences\",\"description\":\"Learn about life insurance policy lapses, their causes, and how they impact coverage. 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Discuss preventive measures and strategies to safeguard life insurance coverage.\u003C/span>\u003C/em>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Life insurance is a bedrock in \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/advice/life-insurance-in-comprehensive-financial-planning\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">financial planning\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">, offering assurance and stability for individuals and their families. Yet, the spectre of policy lapses looms large, threatening to unravel this safety net. Unravelling the intricacies of these lapses, understanding their root causes, and the dire consequences they entail are paramount in shielding oneself from financial vulnerability.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Unraveling Policy Lapses\u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">A life insurance policy lapse emerges when a policyholder falters in paying premiums within the stipulated grace period. This negligence culminates in the cessation of coverage, leaving policyholders and their beneficiaries perilously exposed to financial turbulence in times of need.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Delving into Common Causes\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>1. Financial Hardship:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Economic downturns or personal financial crises can compel individuals to prioritize other expenses over insurance premiums, jeopardizing the policy's integrity.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Ignorance or Oversight:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Some policyholders fail to grasp the gravity of timely premium payments or overlook the repercussions of a policy lapse, entangling themselves in a precarious situation.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>3. Administrative Oversights:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Neglecting to update contact information or banking details can result in missed premium notifications, ultimately leading to policy lapses.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>4. Disillusionment Due to Underperformance:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">When policies fail to meet initial expectations, disillusionment may set in, prompting policyholders to let their coverage lapse.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>5. Health Complications:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Sudden health crises or significant medical events may force individuals to redirect funds, inadvertently leading to missed premium payments and eventual lapses.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Consequences Unveiled\u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">The fallout from a life insurance policy lapse can be catastrophic, casting a long shadow over both the policyholder and their beneficiaries.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>1. Coverage Voidance:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">The immediate aftermath of a policy lapse is the loss of insurance coverage, leaving individuals and their families exposed to financial exigencies and unforeseen circumstances.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Reinstatement Hurdles:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Reinstating a lapsed policy often necessitates additional underwriting or proof of insurability, rendering the process arduous or financially burdensome.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>3. Financial Erosion:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Policyholders may forfeit the investment component of permanent life insurance policies, such as cash value accumulation or dividends, resulting in diminished long-term financial gains.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>4. Impact on Beneficiaries:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In the event of the policyholder's demise during a lapse, beneficiaries may be deprived of the intended financial cushion, plunging them into financial turmoil.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Fortifying Against Lapses\u003C/strong>\u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>1. Financial Vigilance and Planning\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Prioritize insurance premiums within your budgetary framework, ensuring their punctual payment even amidst financial turbulence. Establishing an emergency fund can cushion the impact of unexpected expenses, safeguarding insurance premium payments.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Routine Policy Scrutiny\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Regularly assess your \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">life insurance policies\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> to gauge their performance, adequacy, and relevance in light of evolving life circumstances. Collaborate with financial advisors to optimize your insurance portfolio and address any deficiencies.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>3. Automated Payment Mechanisms\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/blog/advice/nach-auto-debit-payment-for-renewals\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Enroll in automated premium payment systems\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> or electronic funds transfer (EFT) to streamline premium payments and avert the risk of oversight or administrative mishaps.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>4. Stay Informed and Proactive\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Educate yourself on the intricacies of your life insurance policy, including grace periods, reinstatement procedures, and the repercussions of lapses. Remain proactive in managing your policy and promptly address any communication from your insurer.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>5. Flexible Policy Features\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Explore policy riders and flexible options that augment protection or adjust coverage to suit evolving needs. Features like premium waivers in case of disability or critical illness can provide invaluable financial respite during challenging times.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>6. Prioritize Health Maintenance\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Invest in your health through regular exercise, healthy lifestyle choices, and proactive healthcare measures. Timely addressing of health concerns can avert disruptions to your insurance coverage due to medical issues.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>7. Seek Expert Counsel\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Consult reputable insurance advisors or financial planners to assess your insurance needs, compare policy options, and craft a robust risk management strategy. Professional guidance ensures that your coverage aligns seamlessly with your long-term objectives.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>8. Policy Monitoring Tools\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Utilize technology-driven tools and apps that offer policy monitoring and reminders for premium payments. These tools can help you stay organized and ensure timely payments, reducing the risk of overlooking payment deadlines.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>9. Regular Policy Reviews with the Insurer\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Schedule periodic reviews with your insurance provider to assess your policy's performance, discuss any changes in your circumstances, and explore potential options for adjusting your coverage to better suit your evolving needs.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>10. Emergency Fund Allocation\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Set aside a dedicated portion of your emergency fund specifically for insurance premiums. Having a separate fund ensures that you always have the means to cover premiums, even during times of financial strain or unexpected expenses.\u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In essence, navigating the perilous waters of life insurance policy lapses mandates proactive planning, financial astuteness, and a thorough comprehension of policy intricacies. By addressing root causes and implementing preventive measures, policyholders can fortify their coverage, ensuring financial security for themselves and their loved ones amidst life's uncertainties. Remember, the cornerstone of financial resilience lies in informed decision-making and prudent risk mitigation.\u003C/span>\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/70.%20Navigating%20the%20Risk_%20Understanding%20the%20Causes%20and%20Consequences%20of%20Life%20Insurance%20Policy%20Lapses_0.png?VersionId=dg87MkhloFp215P3rL033mA69zSu4ifd\",\"alt\":\"Understanding the consequences of Life insurance policy\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"desktop_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/70.%20Navigating%20the%20Risk_%20Understanding%20the%20Causes%20and%20Consequences%20of%20Life%20Insurance%20Policy%20Lapses.png?VersionId=km1DCuaUDoSS6qNI3DzYpdIqLm_TO4yI\",\"alt\":\"Navigating the risk of life insurance policy\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"mobile_image\":[],\"posted_on\":\"2024-08-29T11:10:02\",\"field_bl_updated_on\":\"2024-08-29T11:12:06\",\"related_blogs\":[],\"favourite_blogs\":[{\"title\":\"Tax Benefits of Super Income Plan in Shriram Life Insurance\",\"heading\":\"Tax Benefits of Super Income Plan in Shriram Life Insurance\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/tax-benefits-of-super-income-plan.png\",\"alt\":\"Super Income Plan Tax Benefit\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2023-02-20T04:46:00\",\"updated_on\":\"2023-02-20T04:46:00\",\"slug\":\"/tax-benefits-of-super-income-plan\",\"category\":\"/blog/super-income-plan\"},{\"title\":\"Insights On The Common Causes Of Cancer And The Symptoms To Look Out For\",\"heading\":\"Insights On The Common Causes Of Cancer And The Symptoms To Look Out For\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/blog18.webp\",\"alt\":\"Cancer Care\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2021-05-25T07:18:00\",\"updated_on\":\"2021-05-25T07:18:00\",\"slug\":\"/common-causes-and-symptoms-of-cancer\",\"category\":\"/blog/advice\"},{\"title\":\"Everything You Need To Know About A Unit Linked Insurance Plan\",\"heading\":\"Everything You Need To Know About A Unit Linked Insurance Plan\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/blog21.webp\",\"alt\":\"What is ULIP\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2021-05-25T07:25:00\",\"updated_on\":\"2021-05-25T07:25:00\",\"slug\":\"/things-to-know-about-unit-linked-insurance-plan\",\"category\":\"/blog/advice\"},{\"title\":\"What is the Death Benefit of a Super Income Plan?\",\"heading\":\"What is the Death Benefit of a Super Income Plan?\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/17-What_is_the_Death_Benefit_of_Life_Shriram_Life_Super_Income_Plan.png\",\"alt\":\" Death Benefit of Super Income Plan\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2023-01-23T11:55:00\",\"updated_on\":\"2023-01-23T11:55:00\",\"slug\":\"/death-benefit-of-a-super-income-plan\",\"category\":\"/blog/super-income-plan\"}],\"next_blog\":{\"url\":\"/blog/advice/proactive-measures-for-sustaining-your-life-insurance-coverage\",\"text\":\"Preventing Lapses: Proactive Measures for Sustaining Your Life Insurance Coverage\",\"tile_image\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/71.%20Preventing%20Lapses_%20Proactive%20Measures%20for%20Sustaining%20Your%20Life%20Insurance%20Coverage_0.png?VersionId=nBaW2dD_yPFxNWz_IcDgPvM8pFdURbOs\"},\"previous_blog\":{\"url\":\"/blog/advice/navigating-the-grace-period-maze-tips-for-policyholders\",\"text\":\"Navigating the Grace Period Maze: Tips for Policyholders\",\"tile_image\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/69.%20Navigating%20the%20Grace%20Period%20Maze_%20Tips%20for%20Policyholders_0.png?VersionId=rSz5CGe7GgWfZV3wU94ZSNvHQ6T0o7Rt\"},\"breadcrumb\":[{\"slug\":\"/resources\",\"label\":\"Resources\"},{\"slug\":\"/blog\",\"label\":\"Blogs\"},{\"slug\":\"/understanding-the-causes-and-consequences-of-life-insurance-policy-lapses\",\"label\":\"Navigating the Risk: Understanding the Causes and Consequences of Life Insurance Policy Lapses\"}],\"view_count\":24,\"field_bl_category_1\":\"\",\"updated_on\":\"2024-08-29T16:39:24+0530\"}]","http://127.0.0.1:4000/api/v1/blog-detail/advice/understanding-the-causes-and-consequences-of-life-insurance-policy-lapses":"[{\"title\":\"Navigating the Risk: Understanding the Causes and Consequences of Life Insurance Policy Lapses\",\"heading\":\"Navigating the Risk: Understanding the Causes and Consequences of Life Insurance Policy Lapses\",\"description\":\"\u003Cp>\u003Cem>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Explore the common reasons behind policy lapses and the potential impact on policyholders. Discuss preventive measures and strategies to safeguard life insurance coverage.\u003C/span>\u003C/em>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Life insurance is a bedrock in \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/advice/life-insurance-in-comprehensive-financial-planning\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">financial planning\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">, offering assurance and stability for individuals and their families. Yet, the spectre of policy lapses looms large, threatening to unravel this safety net. Unravelling the intricacies of these lapses, understanding their root causes, and the dire consequences they entail are paramount in shielding oneself from financial vulnerability.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Unraveling Policy Lapses\u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">A life insurance policy lapse emerges when a policyholder falters in paying premiums within the stipulated grace period. This negligence culminates in the cessation of coverage, leaving policyholders and their beneficiaries perilously exposed to financial turbulence in times of need.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Delving into Common Causes\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>1. Financial Hardship:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Economic downturns or personal financial crises can compel individuals to prioritize other expenses over insurance premiums, jeopardizing the policy's integrity.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Ignorance or Oversight:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Some policyholders fail to grasp the gravity of timely premium payments or overlook the repercussions of a policy lapse, entangling themselves in a precarious situation.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>3. Administrative Oversights:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Neglecting to update contact information or banking details can result in missed premium notifications, ultimately leading to policy lapses.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>4. Disillusionment Due to Underperformance:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">When policies fail to meet initial expectations, disillusionment may set in, prompting policyholders to let their coverage lapse.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>5. Health Complications:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Sudden health crises or significant medical events may force individuals to redirect funds, inadvertently leading to missed premium payments and eventual lapses.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Consequences Unveiled\u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">The fallout from a life insurance policy lapse can be catastrophic, casting a long shadow over both the policyholder and their beneficiaries.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>1. Coverage Voidance:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">The immediate aftermath of a policy lapse is the loss of insurance coverage, leaving individuals and their families exposed to financial exigencies and unforeseen circumstances.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Reinstatement Hurdles:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Reinstating a lapsed policy often necessitates additional underwriting or proof of insurability, rendering the process arduous or financially burdensome.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>3. Financial Erosion:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Policyholders may forfeit the investment component of permanent life insurance policies, such as cash value accumulation or dividends, resulting in diminished long-term financial gains.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>4. Impact on Beneficiaries:\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In the event of the policyholder's demise during a lapse, beneficiaries may be deprived of the intended financial cushion, plunging them into financial turmoil.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Fortifying Against Lapses\u003C/strong>\u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>1. Financial Vigilance and Planning\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Prioritize insurance premiums within your budgetary framework, ensuring their punctual payment even amidst financial turbulence. Establishing an emergency fund can cushion the impact of unexpected expenses, safeguarding insurance premium payments.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Routine Policy Scrutiny\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Regularly assess your \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">life insurance policies\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> to gauge their performance, adequacy, and relevance in light of evolving life circumstances. Collaborate with financial advisors to optimize your insurance portfolio and address any deficiencies.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>3. Automated Payment Mechanisms\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/blog/advice/nach-auto-debit-payment-for-renewals\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Enroll in automated premium payment systems\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> or electronic funds transfer (EFT) to streamline premium payments and avert the risk of oversight or administrative mishaps.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>4. Stay Informed and Proactive\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Educate yourself on the intricacies of your life insurance policy, including grace periods, reinstatement procedures, and the repercussions of lapses. Remain proactive in managing your policy and promptly address any communication from your insurer.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>5. Flexible Policy Features\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Explore policy riders and flexible options that augment protection or adjust coverage to suit evolving needs. Features like premium waivers in case of disability or critical illness can provide invaluable financial respite during challenging times.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>6. Prioritize Health Maintenance\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Invest in your health through regular exercise, healthy lifestyle choices, and proactive healthcare measures. Timely addressing of health concerns can avert disruptions to your insurance coverage due to medical issues.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>7. Seek Expert Counsel\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Consult reputable insurance advisors or financial planners to assess your insurance needs, compare policy options, and craft a robust risk management strategy. Professional guidance ensures that your coverage aligns seamlessly with your long-term objectives.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>8. Policy Monitoring Tools\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Utilize technology-driven tools and apps that offer policy monitoring and reminders for premium payments. These tools can help you stay organized and ensure timely payments, reducing the risk of overlooking payment deadlines.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>9. Regular Policy Reviews with the Insurer\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Schedule periodic reviews with your insurance provider to assess your policy's performance, discuss any changes in your circumstances, and explore potential options for adjusting your coverage to better suit your evolving needs.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>10. Emergency Fund Allocation\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Set aside a dedicated portion of your emergency fund specifically for insurance premiums. Having a separate fund ensures that you always have the means to cover premiums, even during times of financial strain or unexpected expenses.\u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In essence, navigating the perilous waters of life insurance policy lapses mandates proactive planning, financial astuteness, and a thorough comprehension of policy intricacies. By addressing root causes and implementing preventive measures, policyholders can fortify their coverage, ensuring financial security for themselves and their loved ones amidst life's uncertainties. Remember, the cornerstone of financial resilience lies in informed decision-making and prudent risk mitigation.\u003C/span>\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/70.%20Navigating%20the%20Risk_%20Understanding%20the%20Causes%20and%20Consequences%20of%20Life%20Insurance%20Policy%20Lapses_0.png?VersionId=dg87MkhloFp215P3rL033mA69zSu4ifd\",\"alt\":\"Understanding the consequences of Life insurance policy\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"desktop_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/70.%20Navigating%20the%20Risk_%20Understanding%20the%20Causes%20and%20Consequences%20of%20Life%20Insurance%20Policy%20Lapses.png?VersionId=km1DCuaUDoSS6qNI3DzYpdIqLm_TO4yI\",\"alt\":\"Navigating the risk of life insurance policy\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"mobile_image\":[],\"posted_on\":\"2024-08-29T11:10:02\",\"field_bl_updated_on\":\"2024-08-29T11:12:06\",\"related_blogs\":[],\"favourite_blogs\":[{\"title\":\"Tax Benefits of Super Income Plan in Shriram Life Insurance\",\"heading\":\"Tax Benefits of Super Income Plan in Shriram Life Insurance\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/tax-benefits-of-super-income-plan.png\",\"alt\":\"Super Income Plan Tax Benefit\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2023-02-20T04:46:00\",\"updated_on\":\"2023-02-20T04:46:00\",\"slug\":\"/tax-benefits-of-super-income-plan\",\"category\":\"/blog/super-income-plan\"},{\"title\":\"Insights On The Common Causes Of Cancer And The Symptoms To Look Out For\",\"heading\":\"Insights On The Common Causes Of Cancer And The Symptoms To Look Out For\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/blog18.webp\",\"alt\":\"Cancer Care\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2021-05-25T07:18:00\",\"updated_on\":\"2021-05-25T07:18:00\",\"slug\":\"/common-causes-and-symptoms-of-cancer\",\"category\":\"/blog/advice\"},{\"title\":\"Everything You Need To Know About A Unit Linked Insurance Plan\",\"heading\":\"Everything You Need To Know About A Unit Linked Insurance Plan\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/blog21.webp\",\"alt\":\"What is ULIP\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2021-05-25T07:25:00\",\"updated_on\":\"2021-05-25T07:25:00\",\"slug\":\"/things-to-know-about-unit-linked-insurance-plan\",\"category\":\"/blog/advice\"},{\"title\":\"What is the Death Benefit of a Super Income Plan?\",\"heading\":\"What is the Death Benefit of a Super Income Plan?\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/17-What_is_the_Death_Benefit_of_Life_Shriram_Life_Super_Income_Plan.png\",\"alt\":\" Death Benefit of Super Income Plan\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2023-01-23T11:55:00\",\"updated_on\":\"2023-01-23T11:55:00\",\"slug\":\"/death-benefit-of-a-super-income-plan\",\"category\":\"/blog/super-income-plan\"}],\"next_blog\":{\"url\":\"/blog/advice/proactive-measures-for-sustaining-your-life-insurance-coverage\",\"text\":\"Preventing Lapses: Proactive Measures for Sustaining Your Life Insurance Coverage\",\"tile_image\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/71.%20Preventing%20Lapses_%20Proactive%20Measures%20for%20Sustaining%20Your%20Life%20Insurance%20Coverage_0.png?VersionId=nBaW2dD_yPFxNWz_IcDgPvM8pFdURbOs\"},\"previous_blog\":{\"url\":\"/blog/advice/navigating-the-grace-period-maze-tips-for-policyholders\",\"text\":\"Navigating the Grace Period Maze: Tips for Policyholders\",\"tile_image\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/69.%20Navigating%20the%20Grace%20Period%20Maze_%20Tips%20for%20Policyholders_0.png?VersionId=rSz5CGe7GgWfZV3wU94ZSNvHQ6T0o7Rt\"},\"breadcrumb\":[{\"slug\":\"/resources\",\"label\":\"Resources\"},{\"slug\":\"/blog\",\"label\":\"Blogs\"},{\"slug\":\"/understanding-the-causes-and-consequences-of-life-insurance-policy-lapses\",\"label\":\"Navigating the Risk: Understanding the Causes and Consequences of Life Insurance Policy 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