Please mention in your all future vdo's that NRI applicable or not. You are doing very good job in assimilating the information and that makes it very informative and your hard work is visible.
LIC Tech term insurance me natural disaster (like earthquake, flood) se death hone pe claim milta hai? Please ek video banaiye jisme lic tech term kon-kon si death cover nahi karta hai.
Very good video sir asked the same question what is the difference between amar and tech term to lic agent, he told me that online tech term nobody will give any support during death all those office works this agents will do.. I have simply smiled and told him ok and took tata aia pure term insurance online
Genuinely what agent replied is exactly what I am thinking.. Can you please elaborate your view...m not agent but want to take term insurance mostly in this month..I have been contacted with 3 agents but have put them on hold... Have posted separate comment up
@@bhagyashreejagtap4337 hey so if you take an example of lic jeevan amar which term insurance and only agent can sell it , check the premium and compare it with lic tech term which agent cannot sell. Now another example check any lic or any other company endowment policy(i.e money back or guaranteed return) you will get return of max 6-7% as return and premium amount will be inflated, so rather than taking this take term insurance from any good company like hdfc, max,tata, lic and rest amount you are saving do an sip in good direct mutual fund without any agent. Example suppose your age is 30 and for term insurance of 1cr you are paying 16k-17k per year till your age is 80 yrs(just keep all documents in such a place with step by step process so that anybody can follow it, even class 5 child can follow it) And to get 2-3cr in your 80yrs and taking 10% return do sip of only 1500 per month and relax and if you do elss mutual fund then you can save more by taking tax benefits. Hope you understood....
Suppose your agent dies before you than .or agent quite lic than? Who will guide your nominee for claim process . So why we pay more primum to company for agent commission?
During claim your nominee willfeel the pain... Easy to choose cheap & easy to book but when matter of claim arises then God knows..No tata bata staff will help directly...
Sir Plan Lene Ke Bad maan lo 2 sal k bad mujhe kuch karan vas physical disability ho jata hai or mai job less ho gya or primium pay nhi kar paraha to policy leps ho jayega ki nhi or isme waiver of primium rider jysa kuchh benefit hai ki nhi .
Sir i quit smoking few year ago, so what option should i choose regarding smoker and non smoker. If someone smoke once in a month so what option he should choose.Plz guide.
Hi! Sir. My Father wants to take LIC TECH TERM INSURANCE. He has Diabetes. Can his term insurance will get rejected or just have to pay extra premium? Please guide me regarding this.
Ok...understood very well...thanks but one doubt...what about claim rejection difference between tech term and jeevan Amar..since tech term is purely online then policy holder has to do all the task. For jeevan amar agent will do all work and for claim he will do all things necessary. Which i feel is imp when a very beloved family member of yours is died and in such situation onr has to run for all claim process. majority people who go for LIC's any plan is lower, lower middle or middle class people (purely my observation) who find terminologies of insurance difficult to understand and hence may face issues during claim process. I also understand there are lot more educational videos on insurance at youtube and other platforms but this number is very limited.. Again I heard that claim settlement process for Insurance through agents is more convenient and LIC agents only verifies documents for claim(please correct me if i am wrong here) where as other private players in market hire 3rd party agency for claim process. And more the rejection more is benefiting it for insurance company... Thanks in Advance....
LIC is backed by govt & for this term plan they are providing is probably the best among all currently. Can't say the same for their other plans such as endowment etc. But u can sure bet on them for this plan atleast. Also RBI regulations are very stringent now. The documents you need are clearly mentioned & ur money will be safe even if it takes time for you to receive it unlike private insurances. In case of delay they even might pay u arrears which private firms will never do. Also legal issues are more readily resolved with by courts against LIC than private players..!!
Suppose your agent dies before you than .or agent quite lic than? Who will guide your nominee for claim process . So why we pay more primum to company for agent commission?
Carefull ..Dont Beleive the stuff you see .Pleaes read the terms and conditions,it says you need o give the postmortem report to claim and FIR from Police.
Depend karta ki aapko kaun kaun sa risk cover karna hai....Ideally log Accident Insurance ko cover karwate hain. For that I suggest that if possible, try to but a separate Accidental Insurance policy.
Sir, I have a question regarding the policies that Is Education factor matters in both policy?, because some of companies do not issue policy to the person who have 10th faild or below 10th
Hi, I am. Applying for Term Insurance. There is one medical question, Please help on this. Q. Did you have any ailment/ injury/ accident requiring treatment/medication for more than a week and/or have you availed leave for more than 5 days on medical grounds in the last 2 years. Query- In above qs"in the last 2 years" is used for only second part of the question or for whole part of the question. I mean if someone is received treatment for more than a week in 2019 or before( that is more than 2 years) should he/she fill it as Yes or No. Please clarify on this 🙏🙏
I'm 31 and looking to buy a 3cr plan for 30 years. I've shortlisted LIC Tech Term Plan and HDFC Term Plan. LIC tech term premium is ₹33,701, and HDFC premium is ₹36,069. Which one should I go for according to you?
Hello bhai, i m used to watch all your videos and really it's very useful.. bhai i need one advice or guidance from u , i want to invest money in two ways 1. SHORT TERM 10K (for 12 months) with tax exemption. 2. LONG TERM 5K (25 years) with tax exemption. Kindly suggest me where should i invest money to get higher returns bhai please.
Apply karne ke baad aur medical test complete ho ne baad, kitna time lagta hai application approve ya reject hone mein. Mera 1 month ho chuka but abhi tak kuch update nahi hai.. next step kya hoga. Wo customer support contact number kaam nahi kar raha hai..
Sir I think ur premium amount for tech term plan for age 30, 40 years is not correct for 1 cr sum assured because when I checked now for my age 27 yr male, non smoker, till 65 years age so yearly premium was 11007/- without any riders
It is correct as it is from official brochure and cross checked by me on the site. The difference is due to the Policy Term. In the plans above, policy term is 20 years, whereas you are taking policy term of 38 years. The more the age of the person, the higher will be the premium.
Iiska... matlab mujhe saral tarike se btaye...please 1. Benefits: Benefits payable under an in-force policy shall be as under: A) Death Benefit: Death benefit payable on death of the Life Assured during the policy term after the date of commencement of risk but before the date of maturity, provided the policy is inforce and claim is admissible shall be “Sum Assured on Death”. For Regular premium and Limited premium payment policy, “Sum Assured on Death” is defined as the highest of: • 7 times of Annualised Premium; or • 105% of “Total Premiums Paid”upto the date of death; or • Absolute amount assured to be paid on death. For Single premium policy, “Sum Assured on Death” is defined as the higher of: • 125% of Single Premium. • Absolute amount assured to be paid on death
Sir what do you think about KVP scheme? Doubling the money in 10 years Taxable Premature withdrawal Can we do premature withdrawal? Is there any penalty for that?
Which Term Insurance Plan have you taken? Let me know 👇🏽👇🏽
If you liked the video, consider Subscribing - bit.ly/EPMsub
Sir no income proof se 25lakh ka plan le sakte
Servicing Branch for Tech Term Plan Kahan hoga sir...family will have to claim in which LIC branch?
what is the difference between the two terminology "Pure risk premium plan" & "Life term assurance plan"?
Please mention in your all future vdo's that NRI applicable or not. You are doing very good job in assimilating the information and that makes it very informative and your hard work is visible.
LIC Tech term insurance me natural disaster (like earthquake, flood) se death hone pe claim milta hai?
Please ek video banaiye jisme lic tech term kon-kon si death cover nahi karta hai.
NRI Le sakte hain ? Agar out-of-india kuch mishapening hota hai ? Ush case main same benifits milega ??
Sir ye plan critical ilness cover karta hai ? Ya nahi
Or agar nahi karta to critical ilness ka cover bhi lene ke liye kya karna hoga
Really it is an important video regarding difference in term plan of lic
Tech term online hai to kya claim ke wqat dikkat aayegi kya
Tech Term Plan is way cheaper as you rightly mentioned.
sir inme illness ki wajah se death bhi cover hoti h kya ? like agar heart attack se death ho jaye to claim milega ya nhi ?
heart aatack aayewale log jeevan amar ke liye apply kar sakte hai kya?
Very good video sir asked the same question what is the difference between amar and tech term to lic agent, he told me that online tech term nobody will give any support during death all those office works this agents will do.. I have simply smiled and told him ok and took tata aia pure term insurance online
Genuinely what agent replied is exactly what I am thinking.. Can you please elaborate your view...m not agent but want to take term insurance mostly in this month..I have been contacted with 3 agents but have put them on hold...
Have posted separate comment up
@@bhagyashreejagtap4337 hey so if you take an example of lic jeevan amar which term insurance and only agent can sell it , check the premium and compare it with lic tech term which agent cannot sell.
Now another example check any lic or any other company endowment policy(i.e money back or guaranteed return) you will get return of max 6-7% as return and premium amount will be inflated, so rather than taking this take term insurance from any good company like hdfc, max,tata, lic and rest amount you are saving do an sip in good direct mutual fund without any agent.
Example suppose your age is 30 and for term insurance of 1cr you are paying 16k-17k per year till your age is 80 yrs(just keep all documents in such a place with step by step process so that anybody can follow it, even class 5 child can follow it)
And to get 2-3cr in your 80yrs and taking 10% return do sip of only 1500 per month and relax and if you do elss mutual fund then you can save more by taking tax benefits. Hope you understood....
Suppose your agent dies before you than .or agent quite lic than? Who will guide your nominee for claim process .
So why we pay more primum to company for agent commission?
During claim your nominee willfeel the pain... Easy to choose cheap & easy to book but when matter of claim arises then God knows..No tata bata staff will help directly...
In death benefit it says that 7 times of annual premium or 105% total premium what it means? Someone will not get full term assurance amount ?
Sir Plan Lene Ke Bad maan lo 2 sal k bad mujhe kuch karan vas physical disability ho jata hai or mai job less ho gya or primium pay nhi kar paraha to policy leps ho jayega ki nhi or isme waiver of primium rider jysa kuchh benefit hai ki nhi .
Sbi life ke term insurance accha rehega kya ?
Sir my father age 65 kon plan lane better rehga
Sir, which term plan do you have?
Sir plz update video layiye lic term plan ka, aur zero cost term kya hai plz is par video bnaiye sir
Tax deduction hota hai kya early Death claim
Sir i quit smoking few year ago, so what option should i choose regarding smoker and non smoker.
If someone smoke once in a month so what option he should choose.Plz guide.
Smoke once or ten times, you will be considered a smoker.
Hi! Sir.
My Father wants to take LIC TECH TERM INSURANCE. He has Diabetes. Can his term insurance will get rejected or just have to pay extra premium? Please guide me regarding this.
Sir caverge kitne sal tak available rahega
Ok...understood very well...thanks but one doubt...what about claim rejection difference between tech term and jeevan Amar..since tech term is purely online then policy holder has to do all the task. For jeevan amar agent will do all work and for claim he will do all things necessary. Which i feel is imp when a very beloved family member of yours is died and in such situation onr has to run for all claim process.
majority people who go for LIC's any plan is lower, lower middle or middle class people (purely my observation) who find terminologies of insurance difficult to understand and hence may face issues during claim process. I also understand there are lot more educational videos on insurance at youtube and other platforms but this number is very limited..
Again I heard that claim settlement process for Insurance through agents is more convenient and LIC agents only verifies documents for claim(please correct me if i am wrong here) where as other private players in market hire 3rd party agency for claim process.
And more the rejection more is benefiting it for insurance company...
Thanks in Advance....
LIC is backed by govt & for this term plan they are providing is probably the best among all currently. Can't say the same for their other plans such as endowment etc. But u can sure bet on them for this plan atleast. Also RBI regulations are very stringent now. The documents you need are clearly mentioned & ur money will be safe even if it takes time for you to receive it unlike private insurances. In case of delay they even might pay u arrears which private firms will never do. Also legal issues are more readily resolved with by courts against LIC than private players..!!
Suppose your agent dies before you than .or agent quite lic than? Who will guide your nominee for claim process .
So why we pay more primum to company for agent commission?
Carefull ..Dont Beleive the stuff you see .Pleaes read the terms and conditions,it says you need o give the postmortem report to claim and FIR from Police.
@@krishnakantpatil5225 then it will be assigned to another agent of same branch.
@@charankumar4509 is posportem report necessary for claim?
Term plans me jo ad ons hote hai .wo purchase krne chahiye ya nahi? ..
Depend karta ki aapko kaun kaun sa risk cover karna hai....Ideally log Accident Insurance ko cover karwate hain.
For that I suggest that if possible, try to but a separate Accidental Insurance policy.
Sir, I have a question regarding the policies that Is Education factor matters in both policy?, because some of companies do not issue policy to the person who have 10th faild or below 10th
Please reply asap
Can you send me your contact details and question on contact_epm@icloud.com?
Very informative
Tech term plan ke liye income 🧾 proof compulsory hai kya...!!?how much..
Yes complusory hai
Please contact kariye agar intested hai
3 year ITR
What does that mean in policy:
I consciously chose to bypass the suitability module even though the same is recommended.
Same doubt
Thankyou for the video sir.
Hi, I am. Applying for Term Insurance. There is one medical question, Please help on this.
Q. Did you have any ailment/ injury/ accident requiring treatment/medication for more than a week and/or have you availed leave for more than 5 days on medical grounds in the last 2 years.
Query- In above qs"in the last 2 years" is used for only second part of the question or for whole part of the question. I mean if someone is received treatment for more than a week in 2019 or before( that is more than 2 years) should he/she fill it as Yes or No. Please clarify on this 🙏🙏
I'm 31 and looking to buy a 3cr plan for 30 years. I've shortlisted LIC Tech Term Plan and HDFC Term Plan. LIC tech term premium is ₹33,701, and HDFC premium is ₹36,069. Which one should I go for according to you?
Go with LIC. Backed by govt. HDFC ka pata.. aaj hai kal nahi..!!
@@punkedcrap lic isn't government backed now, isn't it?
@@vikas4u07 nope.. still owned by ministry of finance, a indian public sector undertaking. Only miniscule stake of 3.5% sold at 2.74 billion $.
HDFC Life is also regulated by IRDA. I have taken LIC by the way and they are slow for sure on service.
@@dillards99IRDA main almost sab regulated hain
Nice
Ek person Jeevan Amar ki kitni ( no of units ) policy le sakta hai
That can be told only by Insurance company as its based on many factors.
गजब का example था movie से compare करने वाला🤣😂🤣😂👌🤣😂👌
Hello bhai, i m used to watch all your videos and really it's very useful.. bhai i need one advice or guidance from u , i want to invest money in two ways
1. SHORT TERM 10K (for 12 months) with tax exemption.
2. LONG TERM 5K (25 years) with tax exemption.
Kindly suggest me where should i invest money to get higher returns bhai please.
Short term go with ELSS
Long term go with SIP
Sir if i want to get LIC tech term increasing sum assured for 1 cr , do they ask for income proof or returns ?
Yes, they do.
for these above polices ITR mandatory ?
Yes
Apply karne ke baad aur medical test complete ho ne baad, kitna time lagta hai application approve ya reject hone mein. Mera 1 month ho chuka but abhi tak kuch update nahi hai.. next step kya hoga. Wo customer support contact number kaam nahi kar raha hai..
Mera techterm plan approve ho gaya in 1 week..
@@nikeshneww income proof me kya dia
@@AlkalineMind salary slip 3 months
@@nikeshnewwKitna salary chaiye??
, सर policy के लिये income proof lagega?
Yes.
@@EveryPaisaMatters कोई ऐसा प्लॅन बतावो सर ji जिसमे जादा से जादा कव्हर मिला बिना income proof ke, क्यो ki हम job नाही करते,ना ही bussiness.
Sir I think ur premium amount for tech term plan for age 30, 40 years is not correct for 1 cr sum assured because when I checked now for my age 27 yr male, non smoker, till 65 years age so yearly premium was 11007/- without any riders
It is correct as it is from official brochure and cross checked by me on the site. The difference is due to the Policy Term. In the plans above, policy term is 20 years, whereas you are taking policy term of 38 years.
The more the age of the person, the higher will be the premium.
@@EveryPaisaMatters ohh sorry then it's my fault
Kindly make video on ZERO COST TERM INSURANCE. Please 🙏
वेस्ट है झीरो कॉस्ट
Good
👍
Iiska... matlab mujhe saral tarike se btaye...please
1. Benefits:
Benefits payable under an in-force policy shall be as under:
A) Death Benefit:
Death benefit payable on death of the Life Assured during the policy
term after the date of commencement of risk but before the date of
maturity, provided the policy is inforce and claim is admissible shall
be “Sum Assured on Death”.
For Regular premium and Limited premium payment policy, “Sum
Assured on Death” is defined as the highest of:
• 7 times of Annualised Premium; or
• 105% of “Total Premiums Paid”upto the date of death; or
• Absolute amount assured to be paid on death.
For Single premium policy, “Sum Assured on Death” is defined as the
higher of:
• 125% of Single Premium.
• Absolute amount assured to be paid on death
Sir what do you think about KVP scheme?
Doubling the money in 10 years
Taxable
Premature withdrawal
Can we do premature withdrawal?
Is there any penalty for that?
Inflation beat nahi hoga
10 saal tak paisa daba ke rakhna woh bhi 6.9% par.....na baba na....
Lic is best
Konse riders uplabdh hai samajhne ke liye aya tha pr apne toh wo bataye hi nahi
Sirf accident benefit rider hai is policy mein tech term wale me
मुझे मेल आया है, उसमें सेलरी केल्कुलेसन पर गोले लगा कर भेज दिया है, बाकी कुछ नहीं लिखा है
જીવન ઊમગ ની માહિતી અને 50ની ઉમર માં lic નો સારો પ્લાન ની માહિતી આપો.
954 hai
Table 854, 855 hai 954,955 hai
સર તમે ખૂબ સારી માહિતી આપો સો
NRI kare toh kya kare
954 ha ya 854 ha
Pehle 854 tha ab 954 hai!