New Delhi, June 28 -- You probably have a running list of things you want from life. A trip you have been saving for. A business idea sitting in your notes app. A first home that finally feels like yours. Maybe the wish to look after the people who once looked after you. Your twenties are when those dreams start moving within reach, and the choices you make with money right now gently decide how soon you get there.

That is why National Insurance Awareness Day is a good time to look at one financial decision that often gets lost in the background noise: life insurance. An entire generation is now treating financial planning as part of designing the life it wants, woven in early rather than left for some distant someday. And one decision k...