Did you know - one unexpected event could undo years of your hard work? Yes, that’s exactly what happens when life throws a curveball and you are not financially prepared. Dear readers, buying insurance is not just about filling out a form or paying off premiums. It is about protecting your and your family's future, and everything you have earned with effort and sacrifice. However, too often, many people treat it like another routine task to tick off a list.

Have you ever needed to check your insurance details in a hurry - maybe before a hospital visit or while renewing your car policy - but could not find the papers when you needed them most? It happens to almost everyone. In today’s digital age, convenience is no longer a frill; it is something we all expect. From shopping and banking to booking flights and ordering food, nearly every service is now available online. So is insurance!

After Delhi’s average AQI shot up to 425+, signalling a sharp deterioration in air quality, the Commission for Air Quality Management (CAQM) directed the Delhi Government to enforce Stage III restrictions under the Graded Response Action Plan (GRAP) across the NCR region. The move introduces wide-ranging curbs on construction, vehicular movement, and industrial operations.

For the past several weeks, Delhi-NCR has been blanketed in thick haze and smog. The Air Quality Index (AQI) has soared beyond 450, categorized as ‘Severe’. This means the air we’re breathing is not just polluted but dangerously toxic for everyone living in the region. This high AQI level is affecting millions, especially small children and senior citizens, leading to a rise in respiratory issues. In fact, studies reveal that air pollution shortens the average life expectancy of an Indian citizen by more than five years, making it one of the most significant public health challenges of our time.

In today’s fast-paced digital world, where everything from banking to investments has been shifted online, the insurance industry is also embracing the power and benefits of digital transformation. One such significant step is the dematerialisation of insurance policies; a move that is reshaping how policyholders store, access, and manage their insurance documents.

If you’re someone repaying a loan or planning to invest, this update from the RBI is worth your attention. As of October 2025, as per the RBI’s monetary policy, the repo rate remains unchanged at 5.50%. The MPC (Monetary Policy Committee) did a detailed assessment of all the macroeconomic conditions, such as the projected inflation rate and other factors. They decided to have a neutral stance and voted unanimously to keep the repo rate as it is.