How to Choose BEST Term Insurance Plan in India (2024)?
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- Опубліковано 11 лип 2024
- Term insurance stands out as the most straightforward and uncomplicated life insurance, ensuring financial protection for the policyholder with consistent premiums over a defined period.
Selecting the optimal term insurance plan holds significant weight, especially for those with dependents. In this regard, we're here to assist you by evaluating the top Term Insurance Plans in India like
ICICI Prudential iProtect Smart
HDFC Life Click 2 Protect Life
Max Life Smart Secure Plus Plan
TATA AIA Sampoorna Raksha Plan
✅ To buy insurance plans, click here - wa.me/message/NH6Z6WVTJG3EF1
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✅Chapters
00:00 What we will cover
00:44 Oldest Life Insurance Company
01:12 Amount Settlement Ratio
02:12 New Business Premium
03:00 Total Premium
03:47 Term Plan Premium Comparison
05:57 Term Plan Riders Comparison
08:13 Assets Under Management
09:15 Claim Settlement Ratio
09:59 My Best Companies
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Sir, agar police holder policy leneke time main Lum+monthly pay (i.e. 30k pm for next 30 years) out or sirf monthly pay out select kare.
Aur within term frame policy holder ka death ho jaye, afrer that nominee ka v death ho jaye, to kya baki monthly payout family ko milega ? After nominee kis ko milega , please clarify.
26 year non smoker 4.15L pr kitana maximum cover mil sakta hai sir
Sir make a comparison with new jeevan amar from LIC with all the above mentioned plans
Sir, can we buy term insurance without income proof ?
If yes is there any limit ?
In Two Wheeler Insurance we can skip taking the mandatory 15Lakh Personal Accident Cover if we already have this cover from other insurance policy.
So, If we have already included the rider of Accidental Death Benefit in Term Insurance then can we skip taking the 15 Lakh PA Cover in Two Wheeler insurance?
Really good video with details number which is really helpful
Thanks sir g for your detailed analysis. Really it helps a lot. I had taken term insurance from Aegon Religare 9 years back. It was online that time and offering low premium. Can I not switch this to good one?
Life Insurance premium can not be ported. You won't get same cover at same premium so I suggest you continue with same.
If you need extra insurance cover, you can opt for an alternate company.
Sir canara hsbc ka term plan kaisa h
Sor i have taken aegon term plan 6 years back should i close that and start in hdfc life ?
Recommended term plan from Lic of India
What is your review of the Term Insurance plans where we get the Money back also if death doesn't happen after certain years?
You will have to pay 1.5x to 2x the normal premium amount for it to get back all the premium, you can put the difference amount in SIP and earn 12% cagr which will be much higher than your premium amount, that is maybe 15L for 1.5Cr cover.
Smoke वाला आप गलत बता रहे हैं।व्यक्ति को यदि पालिसी issue हो गयी और यदि 3 साल तक पालिसी लगातार चलते रही,तो उसके बाद मृत्यु होने पर कम्पनी को क्लेम देना ही पड़ेगा।
चाहे डेथ का कोई भी कारण हो।चाहे वो नशे कर करके मर गया हो।Sirf Drink & Drive case me nahi milta claim.
Sir im planning to take tata Aia because it has got an additional ATPD rider which other havent ...please suggest...
Others also have that. I have covered the same in the Riders section of the video. Check for PD written in the cells.
TATA AIA has only accidental disability, go for Max and take total permanent disability rider, meaning that due to sickness or accident if you get disabled you will get money...
Max Life and Hdfc life
I have bought bajaj allianz term insurance, shall.i.give up?
No
Is it better to pay Upfront Lumpsump Amount for Term Insurance or better to take it as Yearly Premium?
Lumpsum is a bad option. Yearly seems better. Imagine this, you've paid an annual premium of 25k for 1st year, and you pass away due to accident, you have paid 25k for 1.5Cr cover, your nominees can get that amount. If you had paid the lumpsum of 15L for the 1.5Cr cover at once, and you pass away in 1st year, you are at a huge financial loss, those savings can be used for something else while you're alive, or be given to family as well. Just my POV. Correct me if wrong.
It depends upon your financial situation and preferences.
Benefit - provides peace of mind, eliminating the need to make annual payments and potentially saving money in the long run. However, it requires significant upfront investment.
Sabse upar lic of india insurance hai all companies se. First number in india
HDFC LIFE 🎉❤
How is it? Plz reply
🎉what about lic?
Lic is always good he making fool
TATA AIA
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