{"id":22842,"date":"2026-01-15T00:00:00","date_gmt":"2026-01-14T18:30:00","guid":{"rendered":"https:\/\/www.moneyworks4me.com\/investmentshastra\/joint-term-insurance-india-couples-financial-protection\/"},"modified":"2026-01-15T00:00:00","modified_gmt":"2026-01-14T18:30:00","slug":"joint-term-insurance-india-couples-financial-protection","status":"publish","type":"post","link":"https:\/\/www.moneyworks4me.com\/investmentshastra\/joint-term-insurance-india-couples-financial-protection\/","title":{"rendered":"Joint Term Insurance in India: Because \u201cHum Saath Saath Hain\u201d Shouldn\u2019t Just Be An Emotion"},"content":{"rendered":"<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">If modern life has taught anything, it is that real partnership is less about matching outfits and more about matching responsibilities. Two people plan together, earn together, take loans together, invest together &#8211; and yes, complain about inflation together. The romance may be in the \u201chum saath saath hain\u201d, but the proof of it shows up in joint EMIs, home loans, school fees, and related conversations.\u00a0<\/span><\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">The real stress test comes when one income disappears but all financial commitments remain. That\u2019s where joint term insurance steps in as a practical risk cover for modern households.<\/span><\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\"><strong>What exactly is joint term insurance?<\/strong><\/span><\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Joint term insurance is a single pure protection policy that covers two people, usually spouses under one contract. Both lives are insured, and depending on the plan design, the benefit is paid on the first death, and sometimes there are additional benefits or continued cover for the survivor.<\/span><\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Traditional joint term insurance in India typically offers a single policy with one sum assured and combined premium, paying the benefit on the death of one partner, with some plans waiving future premiums and continuing cover for the survivor.<\/span><\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\"><strong>How does it work in real life?<\/strong><\/span><\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Think of joint term insurance as a shared financial seatbelt. You may never need it, but if something goes wrong, it prevents the family from being thrown into chaos. Broadly, joint plans in India are designed in one of these ways:<\/span><\/p>\n<ul style=\"padding-left:48px\">\n<li>\n<p style=\"margin-bottom:.0001pt;margin-right:0cm;margin-top:12.0pt\"><span style=\"font-size:12.0pt\">First-to-die plans: On the first death, the sum assured is paid; policy may end or continue for survivor.<\/span><\/p>\n<\/li>\n<li><span style=\"font-size:12.0pt\">First-to-die with continuing cover: Lump sum and\/or income payout; future premiums can be waived, survivor stays insured.<\/span><\/li>\n<li>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:0cm\"><span style=\"font-size:12.0pt\">Second-to-die (less common for couples): No payout on first death; benefit is paid after both lives are gone, usually to children or heirs.<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt\"><span style=\"font-size:12.0pt\"><strong>You can often customise:<\/strong><\/span><\/p>\n<ul style=\"list-style-type:disc;padding-left:48px\">\n<li>\n<p style=\"margin-bottom:.0001pt;margin-right:0cm;margin-top:12.0pt\"><span style=\"font-size:12.0pt\">Payout format: lump sum, monthly income, or a mix.<\/span><\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:0cm\"><span style=\"font-size:12.0pt\">Riders: critical illness, accidental death, disability, or premium waiver.<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\"><strong>Why joint term insurance can work brilliantly for couples<\/strong><\/span><\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">When both partners are financially active and interdependent, joint term insurance aligns well with household realities.<\/span><\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\"><strong>Key advantages:<\/strong><\/span><\/p>\n<ul>\n<li>\n<p style=\"margin-bottom:.0001pt;margin-right:0cm;margin-top:12.0pt\"><span style=\"font-size:12.0pt\"><strong>Cost efficiency<\/strong>: Cheaper than two separate covers of similar magnitude.<\/span><\/p>\n<\/li>\n<li><span style=\"font-size:12.0pt\"><strong>One-policy simplicity<\/strong>: One application, one set of medicals, one premium due date, one document to track.<\/span><\/li>\n<li><span style=\"font-size:12.0pt\"><strong>Survivor-friendly<\/strong>: Large payout, optional income stream, premium waiver reduces stress.<\/span><\/li>\n<li>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:0cm\"><span style=\"font-size:12.0pt\"><strong>Natural fit with joint finances<\/strong>: Ideal for couples who pool incomes, co-sign loans, and jointly plan goals.<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">For many couples, the psychological comfort of \u201chum dono covered hain under one strong umbrella\u201d is as important as the arithmetic of premiums and payouts.<\/span><\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">\u00a0<strong>Where you still need to be careful<\/strong><\/span><\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Like any financial product, joint term insurance is not a perfect fit for every situation.<\/span><\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\"><strong>Important limitations to watch out for:<\/strong><\/span><\/p>\n<ol style=\"list-style-type:decimal\">\n<li>\n<p style=\"margin-bottom:0px;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><strong>Only one major payout in common variants\u00a0<\/strong>\u00a0<br \/>In many first-to-die designs, once the first death claim is paid, the policy ends. The survivor may then be left without cover and will have to buy a new policy, often at an older age and possibly with new health issues.\u00a0<\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0px;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><strong>Unequal health or risk profiles<\/strong>\u00a0\u00a0<br \/>If one partner is significantly older, has lifestyle risk factors, or existing health conditions, the overall joint premium gets pulled up for both, sometimes wiping out the cost advantages.\u00a0<\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0px;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><strong>Lower flexibility over time\u00a0<\/strong>\u00a0<br \/>You cannot easily increase or decrease cover independently for each partner, or choose very different terms (say, one spouse wants cover till 60, another till 70). Two separate policies handle these asymmetries far better.\u00a0<\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0px;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><strong>Future insurability risk for the survivor<\/strong>\u00a0\u00a0<br \/>If the joint policy ends after a claim and the survivor has developed a medical condition, they might find it costlier or harder to get fresh adequate cover.\u00a0<\/p>\n<\/li>\n<\/ol>\n<p style=\"margin-bottom:5.0pt;margin-right:0cm;margin-top:16.0pt;text-align:justify\">So while joint term is powerful, it should be chosen consciously, not just because it \u201csounds simpler\u201d.\u00a0\u00a0<\/p>\n<p style=\"margin-bottom:5.0pt;margin-right:0cm;margin-top:16.0pt;text-align:justify\"><strong>Suitability snapshot<\/strong><\/p>\n<figure class=\"table\">\n<table style=\"border-collapse:collapse\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\" width=\"593\">\n<tbody>\n<tr style=\"height:22.5pt\">\n<td style=\"border-bottom-style:solid;border-color:black;border-left-style:none;border-right-style:solid;border-top-style:solid;border-width:1.0pt;height:22.5pt;padding:4.0pt 8.0pt;vertical-align:top;width:75.75pt\" width=\"101\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\"><strong>Aspect<\/strong><\/span><\/p>\n<\/td>\n<td style=\"border-bottom-style:solid;border-color:black;border-left-style:none;border-right-style:solid;border-top-style:solid;border-width:1.0pt;height:22.5pt;padding:4.0pt 8.0pt;vertical-align:top;width:195.0pt\" width=\"260\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\"><strong>Joint term plan<\/strong><\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right-style:none;border-top:1.0pt solid black;height:22.5pt;padding:4.0pt 8.0pt;vertical-align:top;width:174.0pt\" width=\"232\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\"><strong>Two single term plans<\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height:35.25pt\">\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right:1.0pt solid black;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:75.75pt\" width=\"101\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Number of payouts<\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right:1.0pt solid black;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:195.0pt\" width=\"260\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Typically one major payout (first-to-die); some products continue cover for survivor.<\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right-style:none;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:174.0pt\" width=\"232\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Two independent payouts if both lives die during their respective policy terms.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height:35.25pt\">\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right:1.0pt solid black;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:75.75pt\" width=\"101\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Premium level<\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right:1.0pt solid black;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:195.0pt\" width=\"260\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Often cheaper in early years for similar aggregate cover, if age\/health similar.<\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right-style:none;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:174.0pt\" width=\"232\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">May cost more overall, but pricing reflects each life\u2019s true risk.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height:35.25pt\">\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right:1.0pt solid black;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:75.75pt\" width=\"101\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Flexibility<\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right:1.0pt solid black;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:195.0pt\" width=\"260\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Low; cover\/tenure\/riders usually move together.<\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right-style:none;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:174.0pt\" width=\"232\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">High; each person can choose own sum assured, term, riders, and changes.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height:35.25pt\">\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right:1.0pt solid black;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:75.75pt\" width=\"101\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Divorce \/ separation<\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right:1.0pt solid black;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:195.0pt\" width=\"260\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Divorce is not a policy-ending even<strong>t<\/strong> in joint term insurance; the cover can continue<\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right-style:none;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:174.0pt\" width=\"232\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Simple; each keeps their own policy.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height:35.25pt\">\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right:1.0pt solid black;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:75.75pt\" width=\"101\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Different risk profiles<\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right:1.0pt solid black;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:195.0pt\" width=\"260\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Joint plan penalises the lower-risk partner.<\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right-style:none;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:174.0pt\" width=\"232\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Each pays for own risk (age, health, habits).<\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height:35.25pt\">\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right:1.0pt solid black;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:75.75pt\" width=\"101\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Estate \/ legacy planning<\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right:1.0pt solid black;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:195.0pt\" width=\"260\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Second-to-die variants can fund estate taxes or legacy to kids.<\/span><\/p>\n<\/td>\n<td style=\"border-bottom:1.0pt solid black;border-left-style:none;border-right-style:none;border-top-style:none;height:35.25pt;padding:4.0pt 8.0pt;vertical-align:top;width:174.0pt\" width=\"232\">\n<p style=\"margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\">Legacy planning usually done through separate covers and nominations.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\"><strong>\u00a0When single plans clearly win.<\/strong><\/span><\/p>\n<ul>\n<li>\n<p style=\"margin-bottom:0;text-align:justify\"><span style=\"font-size:12.0pt\">Large age gap between spouses.<\/span><\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0;text-align:justify\"><span style=\"font-size:12.0pt\">One partner is a smoker\/high-risk, other is low-risk.<\/span><\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0;text-align:justify\"><span style=\"font-size:12.0pt\">Likely career breaks or geographically separate financial lives.<\/span><\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0;text-align:justify\"><span style=\"font-size:12.0pt\">Need for different cover amounts or policy terms (e.g., one has business risk, other is salaried).<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align:justify\"><strong>When a joint plan is worth considering.<\/strong><\/p>\n<ul style=\"margin-bottom:10px\">\n<li>\n<p style=\"margin-bottom:0;text-align:justify\"><span style=\"font-size:12.0pt\">Married, similar age, both healthy, both income earners.<\/span><\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0;text-align:justify\"><span style=\"font-size:12.0pt\">Shared long?term loans (home, business) and fully joint finances.<\/span><\/p>\n<\/li>\n<li>\n<p style=\"text-align:justify\"><span style=\"font-size:12.0pt\">Strong preference for administrative simplicity and one consolidated cover.<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align:justify\"><strong>Practical checklist before buying<\/strong><\/p>\n<p style=\"text-align:justify\">For Indian couples evaluating joint term insurance, a few sharp questions can prevent long-term regret.<\/p>\n<p style=\"margin-bottom:10px;text-align:justify\"><strong>Points to clarify with the insurer\/agent.<\/strong><\/p>\n<ul>\n<li>\n<p style=\"margin-bottom:0px;text-align:justify\"><span style=\"font-size:12.0pt\">Is this first-to-die or second-to-die?<\/span><\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0px;text-align:justify\"><span style=\"font-size:12.0pt\">Does the policy terminate after first death, or does it continue on the survivor with some additional benefit?<\/span><\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0px;text-align:justify\"><span style=\"font-size:12.0pt\">What happens on divorce or if we want to split the policy later?<\/span><\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0px;text-align:justify\"><span style=\"font-size:12.0pt\">Can each life have a different sum assured under the same contract?<\/span><\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0px;text-align:justify\"><span style=\"font-size:12.0pt\">Are premium waivers, income options and riders (critical illness, accidental death, disability) available for both lives or only primary life?<\/span><br \/>\u00a0<\/p>\n<\/li>\n<\/ul>\n<p style=\"margin-bottom:5.0pt;margin-right:0cm;margin-top:5.0pt;text-align:justify\"><span style=\"font-size:12.0pt\"><strong>\u00a0Planning guardrails\u00a0 for the couple:<\/strong><\/span><\/p>\n<ul>\n<li>\n<p style=\"margin-bottom:0px;text-align:justify\"><span style=\"font-size:12.0pt\">Have we independently estimated how much cover each of us needs (based on loans, future goals, and dependants)?\u00a0<\/span><\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0px;text-align:justify\"><span style=\"font-size:12.0pt\">If this joint plan pays out only once, will the surviving spouse still be adequately protected for the rest of their working life?\u00a0<\/span><\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom:0px;text-align:justify\"><span style=\"font-size:12.0pt\">Are we choosing this structure only to save premium, or because it genuinely aligns with our long-term reality?\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"margin-bottom:11.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><span style=\"font-size:12.0pt\"><strong>The real emotion behind \u201cHum Saath Saath Hain\u201d<\/strong><\/span><\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\">Life will always remain uncertain, but financial panic can be avoided. When incomes, loans, goals, and responsibilities are shared, protection should be planned the same way. Joint term insurance reflects how modern couples live, with shared commitments and financial dependence. Chosen thoughtfully, it simplifies protection, eases stress for the surviving partner.\u00a0<\/p>\n<p style=\"margin-bottom:12.0pt;margin-right:0cm;margin-top:12.0pt;text-align:justify\"><i>*The information provided in this blog is for general awareness and educational purposes only. Please consult your insurance advisor or broker to evaluate suitability based on your specific needs.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Joint term insurance in India offers cost-effective life cover for couples with shared finances. Learn how it works, benefits, limitations, and whether it\u2019s right for you.<\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_is2025_no_summary":false,"footnotes":""},"categories":[1146,1144],"tags":[],"class_list":["post-22842","post","type-post","status-publish","format-standard","hentry","category-make-a-financial-plan","category-sensible-investing"],"_links":{"self":[{"href":"https:\/\/www.moneyworks4me.com\/investmentshastra\/wp-json\/wp\/v2\/posts\/22842","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.moneyworks4me.com\/investmentshastra\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.moneyworks4me.com\/investmentshastra\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.moneyworks4me.com\/investmentshastra\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/www.moneyworks4me.com\/investmentshastra\/wp-json\/wp\/v2\/comments?post=22842"}],"version-history":[{"count":2,"href":"https:\/\/www.moneyworks4me.com\/investmentshastra\/wp-json\/wp\/v2\/posts\/22842\/revisions"}],"predecessor-version":[{"id":23089,"href":"https:\/\/www.moneyworks4me.com\/investmentshastra\/wp-json\/wp\/v2\/posts\/22842\/revisions\/23089"}],"wp:attachment":[{"href":"https:\/\/www.moneyworks4me.com\/investmentshastra\/wp-json\/wp\/v2\/media?parent=22842"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.moneyworks4me.com\/investmentshastra\/wp-json\/wp\/v2\/categories?post=22842"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.moneyworks4me.com\/investmentshastra\/wp-json\/wp\/v2\/tags?post=22842"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}