India's insurance sector in 2025 experienced a significant shift towards protection-led financial planning, moving beyond basic compliance. This trend was observed across health, life, and motor insurance segments, with consumers opting for higher coverage, longer tenures, and enhanced add-ons. Notably, demand expanded beyond metros, with Tier-3 cities comprising 70% of purchases. Health insurance saw average cover rise to Rs 19 lakh, while term insurance demand grew among younger buyers, and electric vehicle insurance surged.