A life cover amount can look adequate when you first buy it. But income usually grows over time. Household expenses rise too. A home loan, children, education costs or a higher standard of living can make the original cover feel much smaller years later.

Inflation adds another layer. Even if the sum assured stays unchanged, the amount it can actually pay for in the future can reduce. This is why a term plan should not always be treated as a one-time decision. The cover amount needs to stay relevant to the financial responsibilities it is meant to support.