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Did the sun make life insurance costlier?

The Bet You're Born Into When I was a kid in India in the late '80s, there was one phrase every adult whispered like a prayer: "We need to do an LIC." The Life Insurance Corporation of India wasn't just a company. It was destiny. Security. The key to transforming your family's future. You didn't question it. You just signed up and believed. But here's what no one told us back then: Every policy is a bet. And the house always knows the odds before you do. The Promise Life insurance sells you a simple story: Pay us now, and when disaster strikes—disease, accident, death—we'll catch your family before they hit the ground. It's a safety net woven from premiums and promises. But there's a darker question lurking underneath: Why would they agree to pay out more than you ever paid in? Insurance companies aren't charities. They're profit machines. So what's the trick? The Calculation Before you ever sign a policy, you've already b...

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