How to choose the Best Life Insurance Policy in India in 2020
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- Опубліковано 28 сер 2024
- Selecting the right Life insurance is a very important financial decision that you make. Therefore this video will tell you how to choose the right life insurance plan for you, how to select the best life insurance plan and what factors you should consider while selecting a life insurance policy in India
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Please also cover 1cr mediclaim policies that are newly presented at Policy Bazaar.
Please make video on NRI related financial services like insurance, health insurance, Mutual fund, national pension scheme, mutual fund etc. Thanks
@pranjal Karma.. this blogs states "The insurer on any ground cannot reject a claim after a period of 3 years even if the fraud is detected" www.upwardly.in/blog/life-insurance-claims-over-3-years-cannot-be-rejected/
Could you please share some light on this, weather this is true or not. Its not that I am encouraging anyone to enter wrong info but it helps us in dealing with claim settlement.
Thanks for the effort Pranjal. Please enlighten something on health insurance in the present scenario as well. Thank you again
Please make a video about 1cr health insurance
This days all talk about creating wealth...but only you boss talk about both!!!
Salute to you...and explained clearly!!
Thanks a ton!
प्रांजल हमेशा यूहीं honest बने रहना। बहुत लोग आप पर निर्भर और आँख बंद करके विश्वास करते है । thanks भाई
Zimmedari samajhta hun ! Poori koshush karunga ki i dont disappoint ppls trust
Sir in 2024 also we should follow this video only or any changes are there?@@pranjalkamra
Dear Pranjal- You rock every time. This video was also brilliant & convincing but I want to put another angle to this if suits to aspirants.
You said that insurance should be taken only for the period till you expect to bear your dependents. Not a bad approach but I differ a bit- Why?
You never know which of your kid will not be able to become self dependent may be ever!
Second- If you pay 10,000/ premium for 35 years (25 to 60 years of age) you spend 3.5 lac but return is zero though you remained insured for 1 Cr for 35 years (You can think you paid premium for security)- not bad. lastly it was of no help if you expired at the age of 61.
But if you take same insurance for whole life, it becomes insurance cum investment.
May be you paid 25000/ year (instead of 10,000/) & paid 15 lacs in 60 years or 18 lacs in 70 years but return of 1 Cr is guaranteed. How is that? So you will be leaving a a great corpus for your kids despite remaining covered for same amount throughout the life. Parental corpus is always an expectation of kids. So here you are completing both tasks in a single shot. Now the problem is when you retire you are no more in a condition to pay heavy premiums any more. But there is way to this. Now a days companies offer limited premium paying terms for their plans which are costly of course. But then looking guarantee of enormous amount one should bear it. If you are required to reduce the coverage due to restrictions on premium paying capacity, do compromise because it doesn't matter much whether your spouse or kids get 1 Cr or 75 lacs but 100% of premiums are refunded with disproportionate returns, does matter a lot- I opine.
I have taken insurance in this manner & now I am relaxed- for a good return whether I die tomorrow or at the age of 100, my kids are going to get good amount & they are never to regret that I paid 3.5 lacs to an insurance company who did not pay a single penny to them for taking this amount- because I died at the age of 61 & my cover was valid till 60 only.
So I suggest- keep tight in initial years but always take whole life plan with limited premium paying term to convert an insurance plan in to an insurance cum sure shot investment plan maybe with higher premium because disproportionate return is guaranteed. Look even after paying a premium of 18 lacs (Instead of 3.5 lacs) I ensured that my kids will still get 88 lacs if die at 90 years of age But there I had wasted 3.5 lacs till 60 & think how much that could have multiplied it in next 35 years if I was alive till 95 (Even in FD!) & not have paid this to an insurance company purposelessly in assumptions that I may die- but I did not till that age but after that!? Calculate- how much I had sacrificed.
So though costly but it is win-win game. It hardly matters that you take 20 times of annual salary of 15 times (20 times is also not an absolute value) because survivors will make a strategy in 15 years but taking whole life policy will ascertain not only the recovery of your all premiums but also a disproportionate corpus.
Lastly- Policy bazaar is a good place to compare but absolutely bad place to buy. They do so many mistakes in making your documents that you suffer badly while making claims. People rely on them & think that they are working for them sincerely but NO they are doing their jobs like a regular NAUKRI. .
These mistakes are not surfaced yet because it is a new company & people taking it are yet not dying. You will see results with in coming 10 years when their claims will begin rejecting due to wrong documentation & they will say- that you verified it. I faced it recently. It is better taking insurance from local agents & they offer you enormous concession on first premium with no difference on annual premium at all- I know. I took it recently.
At the time of claim online policy doesn't work & their employee linger your cases & you need to struggle at your own (While you are already in a set back) but local guys fight for you & get things done for you keeping you sitting at home because they are from same town & socially related with you.
Sorry for writing long- but I wanted to present another dimension.
Simply superb Sir👏👏👏
Bht accha bataya sir aapne....bht bht dhanyawad !
I have jeevan aanand with annual premium 92000/-
Superb Sir, you may be a next pranjal kamra. Best of luck 👍
you change the complete dynamic
U r absolutely right
Thank u sooo much... I didn't have any idea about insurance... After watching your video it's very clear to me now... And it helped me to organise a plan... Thank u soooo much.. I appreciate your videos highly.
Thankyou!
Hey Tia!
We are a bunch of students from IIM Indore, IIM Shillong and FMS Delhi who are trying to make life Insurance better for everyone.
Please spare a couple of minutes to share of what Insurance means to you. To be a part of this positive change and help us in our academic endeavours, click on
www.surveymonkey.com/r/MSD4513
(Disclaimer: We will not collect any personal information what-so-ever that can identify you in any way with a view to ensure anonymity and privacy of your views/ preferences.)
PLEASE SHARE THIS SURVEY WITH YOUR FAMILY AND FRIENDS
Hi do yu need life insurance for yourself ping me 8098282507 will suggest you and you can choose from a best one iam a Icici prudential life insurance employee
Bajaj insurance jaisi reputed company ke attractive life insurance ya goals achievement plans le or bht kam years me maturity claim kre 30% increase maturity sum assured claim kre. Interested ho or janne ke liye reply kre "yes".we conduct zoom. Sessions to give brief introduction of our products everyday apke chose kiye samay pr. Attractive plans for youth and for those who wants handsome investment for only mere 10 years and want to have handsome maturity of 28lakh with the guarantee of bajaj insurance Ltd. Reply "yes" If intrsted. Have a look at the plans only and let your future decided aapko apke goals abhi acheive krna h ya auro ki trh retirement ke baad.
The way you simplify the complicated things is just amazing - clear and straightforward, now this is called content. Thanks for keeping us updated timely.
Hey Abhishek!
We are a bunch of students from IIM Indore, IIM Shillong and FMS Delhi who are trying to make life Insurance better for everyone.
Please spare a couple of minutes to share of what Insurance means to you. To be a part of this positive change and help us in our academic endeavours, click on
www.surveymonkey.com/r/MSD4513
(Disclaimer: We will not collect any personal information what-so-ever that can identify you in any way with a view to ensure anonymity and privacy of your views/ preferences.)
PLEASE SHARE THIS SURVEY WITH YOUR FAMILY AND FRIENDS
Itne logo ki video dekhi maine par Aaj ja k samajh aaya mujhe sahi se...bahut he ache se btaya apne...👌👌👌👌
Thanks💙
जैसे म्यूच्यूअल फण्ड सही है वैसे he लाइफ इंश्योरंस जरूरी है😎😎😎😎😎😎👌🏻👌🏻👌🏻,बहुत he acha वीडियो प्रांजल जी😊😊👌🏻👌🏻🇮🇳🇮🇳🇮🇳🙏🙏🙏
Maine aapka old video dekha tha ...
Kafi acha hai ....new bhi kafi ache se detail me explain kiya aapne
Term insurance seems to be the best plan. Thank you Mr. Kamra and God bless you.
Thankyou!
Sir you are very transparent with your viewers and I love the simply way of teaching.
Love you pranjal sir😍😍
Thanks a ton!
Hey there!
We are a bunch of students from IIM Indore, IIM Shillong and FMS Delhi who are trying to make life Insurance better for everyone.
Please spare a couple of minutes to share of what Insurance means to you. To be a part of this positive change and help us in our academic endeavours, click on
www.surveymonkey.com/r/MSD4513
(Disclaimer: We will not collect any personal information what-so-ever that can identify you in any way with a view to ensure anonymity and privacy of your views/ preferences.)
PLEASE SHARE THIS SURVEY WITH YOUR FAMILY AND FRIENDS
Man you are truly amazing. I have never seen a intelligent man than you. ❤️
You can see me
After watching your videos , I feel why I have only 1 like to give ,want to give you more for such brilliant and good work.
Thank you so much 😀
The best thing of you that u will told us everything clearly...
Thank you for all your videos..
Keep making video for us🙏🙏
Love from West Bengal(Asansol)
Thank you!
Hey Sumit!
We are a bunch of students from IIM Indore, IIM Shillong and FMS Delhi who are trying to make life Insurance better for everyone.
Please spare a couple of minutes to share of what Insurance means to you. To be a part of this positive change and help us in our academic endeavours, click on
www.surveymonkey.com/r/MSD4513
(Disclaimer: We will not collect any personal information what-so-ever that can identify you in any way with a view to ensure anonymity and privacy of your views/ preferences.)
PLEASE SHARE THIS SURVEY WITH YOUR FAMILY AND FRIENDS
Thank you Pranjal Sir. How easily ur explaining this difficult things of comman man's life in very simple and straightforward ways. Really appreciated and Thank you so much. I will definitely share this video to my childhood friends in my group, atleast after watching this video they can save life of there belonging in future. Thank you so much as always...
Thankyou so much!
Sahi ha bhaiyaa
Kaha se ho aap
@@pranjalkamra bhaiya yaad kar liya karo me m.p se hu me 11th class me aabhi gaya hu cbse school ha me market me invest and trade kar ta hu PLZ CALL KAR NA 9171214577
JAI SHREE KRISHNAA
Like pehle karte video baad me dekhte he.. Worth to watch
Policy bazar is worst app. They never give exact premium. They just show higher premium and shows they are giving discount on premium. It's better to go directly the insurance company website. And one point the executive keep on calling you anytime.
right actually..if u leave mob number with policy bazaar, they will keep calling you from diff numbers..and they dont have all the policies and premium is bit higher...GO DIRECTLY TO THE COMPANY WHILE PURCHASING POLICY
Police bazar big lier money collectors no sured security
Very true, no third party, directly consult company agent
Bajaj insurance jaisi reputed company ke attractive life insurance ya goals achievement plans le or bht kam years me maturity claim kre 30% increase maturity sum assured claim kre. Interested ho or janne ke liye reply kre "yes".we conduct zoom. Sessions to give brief introduction of our products everyday apke chose kiye samay pr.
@@nazishfatima2983 why invest in ULIP Or traditional endowment plans? It's better to have term insurance plus investment in equity/mutual fund for longer time
Sir Aap jo bhi btate ho bhothi perfect knowledge dete ho thaks a lot
If you want to be a kamra..
Be a Pranjal
Not kunal..
Pranjal bhai. You are my 1st financial teacher
why ? asking govt questions is a bad thing and saying atma nirbhar when people are unemployed is a good thing lol ?
If any insurance company is closed due to any reason, what will happen to the insurance plan?
Will it be given then or not? Or will it be given by govt or not?
I have thoroughly watched your video and I did exactly the same, having Term Insurance which I bought from Policy bazaar when I was 25.
Just to add here one important Info i.e section 45 of IRDA - "Under Section 45 of the Insurance Laws (Amendment) Ordinance, no claim can be rejected after three years for any reason. This means the insurer has a three-year window to reject claims on grounds of any misstatement or fraud."
I am not getting you, pls elaborate..
NO Sir- Please read it in full (Though agents claim this while selling you the policy). It further says "Unless you hide your details intentionally" (This is complete verse). So if you hide you Diabetes- Their investigator will come your town without your knowledge & discover your doctor. Then he will collect your initial treatment dates with proofs (May be he bribe him heavy to get that- but only if it is true. They never ask to make a forge document) & you are finished. So Pranjal is correct- Never ever try to conceal the truth. I have taken a term insurance plan at the age of 60 but declared my Diabetes & did cardio- treadmill. They added heavy underwriter premium but I am OK with that. Now they can not reject my claim any way because everything is absolutely white & endorsed by them by putting underwriter sum. A small forgery can shatter your plans when you are not there & your family is in crises. Even your family will curse you for this mischief that is now costing them heavy when they don't have an alternative. So never ever take a risk.
Hey Sanket!
We are a bunch of students from IIM Indore, IIM Shillong and FMS Delhi who are trying to make life Insurance better for everyone.
Please spare a couple of minutes to share of what Insurance means to you. To be a part of this positive change and help us in our academic endeavours, click on
www.surveymonkey.com/r/MSD4513
(Disclaimer: We will not collect any personal information what-so-ever that can identify you in any way with a view to ensure anonymity and privacy of your views/ preferences.)
PLEASE SHARE THIS SURVEY WITH YOUR FAMILY AND FRIENDS
Bajaj insurance jaisi reputed company ke attractive life insurance ya goals achievement plans le or bht kam years me maturity claim kre 30% increase maturity sum assured claim kre. Interested ho or janne ke liye reply kre "yes".we conduct zoom. Sessions to give brief introduction of our products everyday apke chose kiye samay pr. Attractive plans for youth and for those who wants handsome investment for only mere 10 years and want to have handsome maturity of 28lakh with the guarantee of bajaj insurance Ltd. Reply "yes" If intrsted. Have a look at the plans only and let your future decided aapko apke goals abhi acheive krna h ya auro ki trh retirement ke baad.
Bhaiya i use to smoke till 2017, uske baad i never touched cigarette! I applied it as non smoker but i said to lic over phone that i used to smoke! Now they are giving me smoker plan! What to do now?
Pranjal Kamra/ Team :: Please reply on this.
Lic will never change its stance. Take tata
Please kindly reply sir
speak to ditto insurance team
ननमस्कार सर ,आपका हर विडिओ मुझे बहुत कुछ सिखाता है।आप बहुत अच्छा एक्सप्लेन करते हैं।
Thank you so much sir..pehli bar life insurance ka Funda samjh aaya h achhe se
Sir please make video on topic,
1) Is government employees can do intraday trading?
2) Is kite zerodha has some 1 lakh RS trading limit?
3) How income Tax applying on share market?
Please make this video for general awareness.
1. Yes, They can do any type of trading, no such restrictions on them.
2. No, Kite don't have any such limit. I've seen people trade through Kite with 80 Lakh to 1 Crores too (Seen = UA-cam videos ;) Not in real life Hahaa).
3. Search for STGC and LTGC (Short Term and Long Term Capital Gain Tax)
Hey there!
We are a bunch of students from IIM Indore, IIM Shillong and FMS Delhi who are trying to make life Insurance better for everyone.
Please spare a couple of minutes to share of what Insurance means to you. To be a part of this positive change and help us in our academic endeavours, click on
www.surveymonkey.com/r/MSD4513
(Disclaimer: We will not collect any personal information what-so-ever that can identify you in any way with a view to ensure anonymity and privacy of your views/ preferences.)
PLEASE SHARE THIS SURVEY WITH YOUR FAMILY AND FRIENDS
Policy Bazar will only help till you buy insurance from them. After that assistance is ZERO.
भाई पॉलिसी बाजार से कोई भी टर्म पॉलिसी मत लेना। पॉलिसी बाजार का उपयोग plans ko compare krne k liye use kro bs,m ne term plan liya tha policy bazaar se 30 March 2020 ko tata aia lekin unke advisor ne kaafi detail glt fill kri aur jb m ne dekha tb tk policy issue ho chuki thi,m ne admin m kaafi mail kiye the lekin koi reply nhi aya, unhone kha tha complete amount refund hoga lekin policy issue hone k karn kuch refund nhi hua,
Yes. This video seems sponsored.
Righr
@@akshaykumaraggarwal313 look at start of video, it includes paid promotion..
@@nikhilattri4909 just noticed.
Can someone please answer these?
1. IRDAI's annual report contains % of respective year only or since the beginning?
2. If I am not smoking or do not have any disease at the time of buying insurance, do I needs to inform insurance party when I caught any desease or when I starts smoking?
- If yes, then the annual premium will increase or not?
3. What about if my insurance company closes or sinks down as financial crash? what will happen to the premium I already paid?
Your way of teaching very impressive and very easy. Hr Chez samjh aa jatti hai.
प्रांजल कामरा जी के आदर्शो पर चल कर मैने lockdown में बहुत पैसा कमाया।
😂
Kitna ?
Kase or kitna
Foolish mat bno
kaise sir
😂😳
Hey Pranjal, the information in the video was too good and to the point !! In addition, can you also answer to the question that in case multiple policies are taken, the total insured amount shall be paid separately by all the insurers respectively to the tune of the policy entered into with them ?
Thank u sir ..mind main plan chal raha tha ki life insurance karu ya na tabhi apka video notification aaya ..🙏🙏
finally some sensible and simple video on insurance....... Thanks Sir
Sirjee.... LIC is the best for Term plan.... Premium is high compared to Private Companies.
In Private insurance companies... Premium is very less in Term Insurance compare to LIC... because private companies are not in a position to compete with LIC... LIC has its own brand and most trusted brand in the world.
Do anyone knows exclusions in private insurance companies for giving claims.... There are many exclusions in private insurance companies..... They have introduced new clause FORCE MAIJURE.... in this clause there is provision if company is in loss, not in a position to run company, it has right to increase your premium, stop your policies and reject your claims also...
So before buying cheap and less premium term policy, please please go through exclusions.
In LIC, there are no exclusions at all as well as there is no any FORCE MAIJURE clause...
You will get one tea at Rs. 10/- in any Tapri but same tea you will get in Rs. 500/- in any luxury hotel... Because they maintained their standards.....
I hop you all understand.
Very nicely explained sir
ua-cam.com/video/UIhuYy9aNQo/v-deo.html
No cost EMI - complete details
Sir same as LIC, EXIDE LIFE INSURANCE Comoany is providing Term Plan without any exclusions
Are you an LIC Agent?
@@edwin_jose Advisor in Exide Life Insurance Company 100% Indian Company after LIC
@@edwin_jose .... No I am not LIC agent. But I have gone through all details of private Insurance companies who sale term plans in very less premium. I have gone through term insurance bonds in which they clearly shows all exclusions. I m very much sure if you read those exclusions, you won't buy term insurance from private companies.
The way you explain things in very easy manner 👍
Absolutely loved it❤️
Thanks and welcome!
@@pranjalkamra ❤️
Good video but there are some imp points which you could have discussed...
1) Insurance companies can't reject the. Claim after 3 years of policy.
2) Why choose Policy bazaar.?.what I understood was they not only help in buying policy but will also help in getting claims.
Bajaj insurance jaisi reputed company ke attractive life insurance ya goals achievement plans le or bht kam years me maturity claim kre 30% increase maturity sum assured claim kre. Interested ho or janne ke liye reply kre "yes".we conduct zoom. Sessions to give brief introduction of our products everyday apke chose kiye samay pr. Attractive plans for youth and for those who wants handsome investment for only mere 10 years and want to have handsome maturity of 28lakh with the guarantee of bajaj insurance Ltd. Reply "yes" If intrsted. Have a look at the plans only and let your future decided aapko apke goals abhi acheive krna h ya auro ki trh retirement ke baad.
I m a big fan of u..
Bhai.
Aapki information bahut muje usefull hui he..
Sir, basic Term insurance can be considered as an investment. For example, take cover up to 80 years, yes obvious premium will be a little bit high. But in that case, will get a very handsome amount for family members after death, because 99% of people will die before 80 years.
When life makes you Kamra, be Pranjal and not Kunal. :)
❤😊
😂😂😂
L
Be both. One in political arena , other in economic arena
bro have complex of people criticizing govt
Easy to understand about life insurance and term life insurance policy.
Thanks Sir.
Sir, Thank You for all your Excellent Videos. Apke vedio me bahot bahot shikhne ko milta he....
Sir, Today, which is best Term Plan Insurance for 40 Year earning member? (1)Max life, (2)Tata AIA, (3)HDFC Life
I like all your vedios. Your presentation and knowledge is really good. Most important things which I like about you is you always gives sincere advice. I am an advocate by profession and your advice and opinions always convinces me. Keep it up.
Thanks a lot!
Hi do yu need term cover for yourself ping me will suggest you and you can choose from a best one iam a Icici prudential life insurance employee
The content which you present is very apt and in simple terms and it really helps people in deciding what to do with their money...thank you for the information 😀
Hey Pooja!
We are a bunch of students from IIM Indore, IIM Shillong and FMS Delhi who are trying to make life Insurance better for everyone.
Please spare a couple of minutes to share of what Insurance means to you. To be a part of this positive change and help us in our academic endeavours, click on
www.surveymonkey.com/r/MSD4513
(Disclaimer: We will not collect any personal information what-so-ever that can identify you in any way with a view to ensure anonymity and privacy of your views/ preferences.)
PLEASE SHARE THIS SURVEY WITH YOUR FAMILY AND FRIENDS
Kam bola kr pka diya
Bajaj insurance jaisi reputed company ke attractive life insurance ya goals achievement plans le or bht kam years me maturity claim kre 30% increase maturity sum assured claim kre. Interested ho or janne ke liye reply kre "yes".we conduct zoom. Sessions to give brief introduction of our products everyday apke chose kiye samay pr. Attractive plans for youth and for those who wants handsome investment for only mere 10 years and want to have handsome maturity of 28lakh with the guarantee of bajaj insurance Ltd. Reply "yes" If intrsted. Have a look at the plans only and let your future decided aapko apke goals abhi acheive krna h ya auro ki trh retirement ke baad.
Thank you very much Pranjal kamra 👍👍👍👍👍👌👌👌👌👌😊😊😊
Most welcome 😊
Thanku bhai samajane ke lie apne video bhut achhi tarike se majhaya tarika sahi laga apka
Can you please let me know where can i find criterias details like below for all term insurance plans?
1. No of claims Handled
2. Claim settlement ratio
3. Amount settlement
4. Claim rejection ratio
5. Solvency ration
Hi do yu need term cover for yourself ping me will suggest you and you can choose from a best one iam a Icici prudential life insurance employee
Are you got this information anywhere? If yes please share the link.
Check IRDA website
Loved your video. Opened up . It was exactly aligned with my chief financial advisor
Hey there!
We are a bunch of students from IIM Indore, IIM Shillong and FMS Delhi who are trying to make life Insurance better for everyone.
Please spare a couple of minutes to share of what Insurance means to you. To be a part of this positive change and help us in our academic endeavours, click on
www.surveymonkey.com/r/MSD4513
(Disclaimer: We will not collect any personal information what-so-ever that can identify you in any way with a view to ensure anonymity and privacy of your views/ preferences.)
PLEASE SHARE THIS SURVEY WITH YOUR FAMILY AND FRIENDS
Thank you so much sir I really appreciate you for this information... Now I invest only one mutual fund with 500 sip but after listening you sir I want to take terms insurance
I want investment in index fund
I want to invest in multi cap also.. So for such great knowledge thanks a lot
Hey Chandra Prakash!
We are a bunch of students from IIM Indore, IIM Shillong and FMS Delhi who are trying to make life Insurance better for everyone.
Please spare a couple of minutes to share of what Insurance means to you. To be a part of this positive change and help us in our academic endeavours, click on
www.surveymonkey.com/r/MSD4513
(Disclaimer: We will not collect any personal information what-so-ever that can identify you in any way with a view to ensure anonymity and privacy of your views/ preferences.)
PLEASE SHARE THIS SURVEY WITH YOUR FAMILY AND FRIENDS
1.which term plan u have purchased and which company
2.is max life insurance worth investing for term plan as I came to know that the chief promotor is max financial s which has around 28 % pledged share( not recalling exactly as I did research around 3 months back),if the company goes bankrupt then who will pay the money after 20/30 yr when u have paid most of the premiums.
Pls reply
Thanks
Vijay Verma
Thatswhy TATA AIA is best.
Bajaj insurance jaisi reputed company ke attractive life insurance ya goals achievement plans le or bht kam years me maturity claim kre 30% increase maturity sum assured claim kre. Interested ho or janne ke liye reply kre "yes".we conduct zoom. Sessions to give brief introduction of our products everyday apke chose kiye samay pr. Attractive plans for youth and for those who wants handsome investment for only mere 10 years and want to have handsome maturity of 28lakh with the guarantee of bajaj insurance Ltd. Reply "yes" If intrsted. Have a look at the plans only and let your future decided aapko apke goals abhi acheive krna h ya auro ki trh retirement ke baad.
*Sir ne promotion ke liye yeh Video bnaya h*
*Promotion : Policy Bazaar*
_Because Phle _*_Max life_*_ bataya tha_
*But knowledge bhut achi dete h*
Aisa nai hai bhai ! It was for knowledge abt selecting best life insurance, and yes it was sponsored by policy bazar but the knowledge was unbiased
Sir, maxlife wale mera 30000 rs le liye hai aur policy , evaluation ke nam par, issue nhi kr rhe hai.
@ashok nagar, you can still chose Max life from policy bazar if you want to. He didn't recomend any insurer today. Just told about methods to ascertain a policy.
I have a very important question..
30 years ago 1 lakh was very huge amount and now its quite adjustable.
So we are paying a high price in today's phenomenon, where 20 years down the line 1 cr maybe not be enough or huge as we see it today.
Any suggestions?
Yes, you are correct my dear friend. But no one can calculate the exact amount will be sufficient for ones family after him. I agree the amount might not be sufficient but atleast it will help them to reduce some problems if not completely solving all the problems.
Sir ap bahaut acche se samjhate hain...thank u
Best elaboration sir, I too explain these things to our collegue.
Fan of yours @pranjalkamra, every detail covered on each and every video. Keep posting
Thank you very much...❤️❤️
Bohot hi accha laga video.. 😊😊
Thankyou!
Yesterday only I was thinking about insurance and today I got a such helpful video... Thank you sir
Kya Baat Hain Pranjal Babu
You are too Good and the way you explain insurance theory is amazing, Jio🙏👍
from the 1000s i have subbed to , you are the most deserving one!
Thank you so much!
Hi do yu need life insurance for yourself ping me 8098282507 will suggest you and you can choose from a best one iam a Icici prudential life insurance employee
Thank you for the video Sir. Request you to also make a video on claim settlement procedure, would be very helpful.
To buy any Incurance policies please contact on 7017000259
Thanks Pranjal for such simplifying video. Just have 2 Questions.
1. Should we pay for a Term life insurance policy for like 30-35 years, say till age 60-65 or we should opt for pay only till say age 40 but cover of policy till age 60-65.
2. I am 31 and 20%of Annual salary is felt to big then (i know we should not) can we reduce some % cover amount.
Use policy bazaar for comparing and then go to individual websites to buy any policy its definately cheaper.
Salute sir g....giving your valuable thoughts 👌👌👌
This is such an informative channel thank you so much sir
Thanku Sir isi ka wait kr rha tha
Dear friend... Really great ... And thnx alot .. ur video helps me alot to choose term insurance... Thnx alot again...🙏🙏🙏🙏🙏🙏
Hi do yu need life insurance for yourself ping me 8098282507 will suggest you and you can choose from a best one iam a Icici prudential life insurance employee
Thanks for this useful video. it would be good to have a blog on what minor details causes the insurance claim rejection. Also I am sure lot of people don't even remember the exact details about their health they provided at the time of health checkup conducted by Insurance company, Can we cross check with insurance company that all the details provided initially are accurate and update time to time during tenure in case of any errors?
where is the blog reporting on claim, amount settlement ratios of various insurance companies
Shriram group best hai..hr saal 50000 zma kro or aglay 10 ya 15 saal tk 1,13,500 Kamao.
Message me for full information
7772073086
Regards
Erick Thorpe
Shriram intern
Sir you are like my teacher of monetary work.
Thanks u sir for the efforts u take to make such informative videos ♥ 👍
I have a question.
Should we use credit card? why?
Some people say they r good and some say they r bad..plz make a video on it. thanks☺😉
Very well covered. Couldn't have been better
I like your style toh shuru krte hai finology👉
Good content.... but i have few questions in my mind that are combined for health and Term insurance-
1. The term insurance is taken by breadwinner of the family and if that person takes critical illness rider also still only that person of the family will be covered. Say his spouse/child/any other dependent get suffered from critical disease then this critical illness rider is of no use. Isn't it better to take critical illness rider with floater family health insurance so dependents also get benefitted. Another point is portability because the critical illness rider may not be available with other company term plan.
2. A person (say Raman) has annual income of 10 lacs and he is of 30 year old at the time of taking Term insurance with 1 crore cover amount for 30 year (i.e. his policy will expire when he attain age 60). He paid the premium on time every year and he dies at the age of 50. Now will company settle claim of 1 Crore rupees or they will calculate Human Life Value (i.e. based on the pending working life income) then accordingly they will settle reduced claim. I didn't find any clear illustration despite of reading many policy document. Can you answer or better to create a detailed video on this?
I need to ask some unrelated questions related to mutual funds.
Q1. if I stop my SIP after some years and do not want to redeem the money, will it generate interest as a lump sum or will it stay there without generating any earning? and at what rate will it earn?
Q2. If I redeem my money after closing the SIP will my recent year SIP be charged with exit load? Should I redeem after one year to avoid exit loads on my last SIP's?
Q3. Is there a better way to redeem from a mutual fund to reduce exit load?
I'm a financial advisor can i help you
Bajaj insurance jaisi reputed company ke attractive life insurance ya goals achievement plans le or bht kam years me maturity claim kre 30% increase maturity sum assured claim kre. Interested ho or janne ke liye reply kre "yes".we conduct zoom. Sessions to give brief introduction of our products everyday apke chose kiye samay pr. Attractive plans for youth and for those who wants handsome investment for only mere 10 years and want to have handsome maturity of 28lakh with the guarantee of bajaj insurance Ltd. Reply "yes" If intrsted. Have a look at the plans only and let your future decided aapko apke goals abhi acheive krna h ya auro ki trh retirement ke baad.
Thanks dude. I went for health insurance after watching your thorough health insurance policy video. Your analysis gives us confidence that we will not get fooled by the agents !!
Bajaj insurance jaisi reputed company ke attractive life insurance ya goals achievement plans le or bht kam years me maturity claim kre 30% increase maturity sum assured claim kre. Interested ho or janne ke liye reply kre "yes".we conduct zoom. Sessions to give brief introduction of our products everyday apke chose kiye samay pr.
Love your videos on financial matters sir.Great!!
Thanks a ton!
Becoming fan of you with every vedio Pranjal Bro
Excellent 👍. Have few policies without know how. Now I evaluate it all over again. Thank you
Sir, what are your views about LIC's Tech Term Plan, which is pure term insurance and also costs much cheaper as compared to other LIC products? Should I consider it, as it is more trust worthy and does not cost way more than other plans by private companies?
Bajaj insurance jaisi reputed company ke attractive life insurance ya goals achievement plans le or bht kam years me maturity claim kre 30% increase maturity sum assured claim kre. Interested ho or janne ke liye reply kre "yes".we conduct zoom. Sessions to give brief introduction of our products everyday apke chose kiye samay pr. Attractive plans for youth and for those who wants handsome investment for only mere 10 years and want to have handsome maturity of 28lakh with the guarantee of bajaj insurance Ltd. Reply "yes" If intrsted. Have a look at the plans only and let your future decided aapko apke goals abhi acheive krna h ya auro ki trh retirement ke baad.
Good evening ,brother. You have clearly explained about the health and life insurance . Brother , I have taken a family floater health insurance policy of UIIC. At present I am giving rupess ten thousand five hundred ( app ) . Now I am 47 . Now suggest me which health insurance and term insurance will suitable for me . Please enjoy the Durga Puja festival very much .
om shanti uttamji. Take HDFC ERGO Health Insurance policy which is best in passing claims. ALL THE BEST
Bajaj insurance jaisi reputed company ke attractive life insurance ya goals achievement plans le or bht kam years me maturity claim kre 30% increase maturity sum assured claim kre. Interested ho or janne ke liye reply kre "yes".we conduct zoom. Sessions to give brief introduction of our products everyday apke chose kiye samay pr. Attractive plans for youth and for those who wants handsome investment for only mere 10 years and want to have handsome maturity of 28lakh with the guarantee of bajaj insurance Ltd. Reply "yes" If intrsted. Have a look at the plans only and let your future decided aapko apke goals abhi acheive krna h ya auro ki trh retirement ke baad.
Sir u r great. Your advices are truly amazing and it is very helpful for us. Respect 🙌🙌🙌
Thanks a ton!
Everything u told is spot on except that policy bazar thing... I hv a very bitter experience with them... And where is that blog link?
Sir thank you so much 🙏 for ur valuable suggestions 👍🙏
Sir Thanks for Information
But Sir companies should also be consistent to give claims over the years. This One-year data of IRDAI is less reliable.
We must also see companies Claim settlement Ratio which are above 95% limit as you said over the time say at least more than 10 Years ie Companies should be above 95% for at least last consecutive 10 years
insurance company make a video in detail sir all types of insurance company best plan in detail
Pranjal Babu 1 like 👍 De diya hun for your good effort ,Jio🤗🙏
Thankyou!
Nothing to say
You are really great 👍👍👍👍♥️
Hi do yu need life insurance for yourself ping me 8098282507 will suggest you and you can choose from a best one iam a Icici prudential life insurance employee
Pranjal sir, simply fantastic as always... information is gold, really want to meet you and thank you in person some day for insipiring us ... keep rising and advising us 🙏🏻💐
Bhai policy bazar ka promotion Kar Raha hai ye itna bhi ankh band karke vishwas mat karana
well explained sir..please make video on Health Insurance for 2020 including Covid19 covered plan.
आपने बहुत सही तरीके से समझाया धन्यवाद। कृपया बताए कि किस कंपनी का टर्म इन्श्योरेन्स लिया जाय प्लीज
Sir
Shriram fortune solution limited company best hai
Ismay 5,8,10,12, ya,15 saal tk Kay LIC milti hai ...or agar aap 8 saal ki policy laytay ho...8 saal tk 50000 daytay ho to agalay 8 saal apko milaygay 1,13,500. 1 lakh 13 hzaar 500 ....bhut benefit hai ..yha...
Please contact me agar apko policy lens h to...
Mai Shriram group ka intern hu student hu ...abhi Meri direct contact chlra h..Shriram group say...agar koi insurance nhi lega meray jria to wo mujhay nikal degay....
Please contact
7772073086
Regards
Erick thorpe
Intern
Shriram company most trusted brand hai...Jada smay nhi hua bnayhua...par abhi top pr hai
Great sirji,very nicely explained about insurance
Hi Pranjal, excellent video. I had one question, is it not better to have Term Insurance and Critical Insurance separate? Term Insurance we can take till the age of 65(or till we have dependents) and the Critical Illness stand alone policy we can extend even after the age of 65.
Bajaj insurance jaisi reputed company ke attractive life insurance ya goals achievement plans le or bht kam years me maturity claim kre 30% increase maturity sum assured claim kre. Interested ho or janne ke liye reply kre "yes".we conduct zoom. Sessions to give brief introduction of our products everyday apke chose kiye samay pr.
hi i have very important question my father is only 10 th pass 47 yr old , not sure which company can give policy and some restrict @pranjal kamra
Good knowledge Sir Hindi language & English me samjhane ke liye
Tencent a Chinese Co. has invested $150 Million in Policy Bazaar.
Just an Info 😁
Meri income less than 2laks kis insurance leni chahiye
Occupation- driver,Operator on DL
Education- 10 pass and ITI
आपको कौनसा इन्शुरन्स चाहिए?
लाईफ इनशुरन्स , हेल्थ इनशुरन्स , टर्म इन्शुरन्स ?
मुझे मेल किजिये info.insupolicy@Gmail.com
@@user-dt5rq4vp6e team
@@Rication143 ua-cam.com/video/t2U9bMHepkU/v-deo.html
Thankyou sir! Great help my first video on life insurence
sir!Your vedios are awesome !
Sir just wanted a basic view that on what companies it is good to invest in 2020 for long term so that I can buy shares from your point of view as I am just a beginner.
(Please name some companies.)
Will be glad if you will let me know.
Thank you :)
Reliance, HDFC, SBI Cards, Infy. Buy at Every Dip.
If you really want to play with Penny stocks, then use your party funds only ;)
Adept finology
brilliant👍
Sir kuch multicap and other cap best mutual fund ki video kyo nhi la rahe AAP,,kafi time se bhi bataya aapne😁😁😁🙏🙏🙏🙏
Very nice and genuine presentation thnx bro God bless 🙌
Hello sir... Please ये बताये कि lic tech term या कोई दूसरा term policy किसी प्राइवेट कंपनी का online लेना सही है क्या? Please video बनाए