Finology Best Insurance Award 2024 | Best Term Insurance Plan in India
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- Опубліковано 11 лип 2024
- In this video, I am here to assist you in finding the best life insurance company in India for the year 2024. I will use scientific data to provide you with a comprehensive, step-by-step process to help you choose the right plan.
Also, I will guide you through the process and highlight some crucial factors that are often overlooked when selecting a term plan. With my guidance, you will be equipped with all the necessary information to make an informed decision and select the plan that best suits your needs.
Talk to Real Advisors by Ditto Insurance - bit.ly/3uV37Sx
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Correction - Solvency Ratio Table:
LIC Insurance Corporation - 1.9*
Kotak Life Insurance- 2.3
Max Life Insurance - 2
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00:00 - Introduction
01:27 - Parameters to Select Best Term Plans
01:39 - 1. Claim Settlement Ratio
04:16 - 2. Volume of Business & Complaints
05:49 - 3. Amount Settlement Ratio
07:57 - 4. Solvency Ratio
08:57 5. Cost of Policy
11:07 - Best Term Plan for 2024
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The ultimate guide for Life Insurance: • The Ultimate Guide to ...
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Video edited by Ayush Verma
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Talk to Real Advisors by Ditto Insurance - bit.ly/3uV37Sx
🙂👍
Sir health insurance kon sa lena chaiye iska bhi bna dijiye video.... Best health insurance
Finology 30 kab ayega..... it's been 2 months above. 😢😢
Small cap mutual fund mai stress test ho raha hai... Kuch changes huve hai plz kya hai details video banayee
Thanks Pranjal.
It will be great if you can share a similar video on Medical insurance as well.
One aspect got forgotten is both amount settlement ratio and claim settlement ratio should be check for long time horizon ( like 10 years) not only for last 1-2 years data..
If any site we know data of that type plz suggest....
@@kaushikpatel2250 Kaushikbhai ena maate IRDA parthi j darek varsh na annual reports gather karva pade ane jaate comparison banaavavi pade.. Policybazaar and all other will give you a current year's info only..
Which one is best
Awaiting for your video on Health Insurance Plan. Thanks for this video.
Waiting for your health insurance video sir...
Thanks for everything till date ❤
Very Good effort by you and I really appericate all your videos and on all subjects. Thx for the trouble you take to up lift Sr citizen like me. God bless
Lots of Respect and Thank you very much, sir May God bless you with good Health, Wealth and Happiness ❤️❤️🙏🙏🙏
Hi @pranjal ,Great Admirer of your since 2020, please make a video on Health Insurance too
Pranjal Bhai you are the best. Best explanation ever ,
Cool polite and covered almost all topics.
You are a kind hearted person. Your experience and study & knowledge, your way of explaining helps us to take proper decision. You are a torch 🔦 in the dark for us. Thanks for your great support.
Thank you Pranjal.
Very informative video. You answered all my doubts
I was looking for just this and the video dropped ❤
Thanks for your effort, crystal clear
Absolutely got clarity with this content.
Thank you very much sir for today informative and important vedio 🙂🙏👍👌🙏
Thanks! a lot for your efforts to find the best term insurance.
Thanks for the detailed analysis
Private insurance companies comes out with clauses at time of claim payment and refuse to pay . After harrasing the family of the deceased their negotiations team comes in for lower settlement, assume a cover of Rs 1cr their team will come in for a settlement of Rs 20 25 30 lakhs. Even the most reputed companies play like this . They really dupe us, with excuses like the insured also has cover from the employer and did not tell us earlier or premium was paid by someone else so we will not pay and excuses like that (*HDFC life did this)
Good observation sir , but where to go lic , max or other companies
@AnilKumar-lt4uk sir the way out is to make families aware about the insurance OMBUDSMAN and IRDAI and other regulators.
@@arun.rajput92 if u hav a bit of knowledge, which one do u suggest is a good one
May be that’s why HDFC life insurance Amount settlement ratio was less than 90.
Great as always!!!Thank you Guru!!!
Is ratios shown only for term plan or all types of insurance polices?
Great step by step analysis. Please make similar video about health insurance🙏🏻
Yeah, I saw mainly three term insurance companies in other yt videos..HDFC,Max and icici..but here strangely HDFC was removed in first filter itself😅 and icici wasn't included at all😅
Very helpful and important video ❤
2017 mein main LIC Ka ulip plan le liya Bina kuchh jankari liye Binan FIR bad mein aapka video dekhne laga ..lekin main aapka video barabar dekhta hun. Aur aapse inspire hokar bajaj allianz ka term insurance le rakha hun. Ab Dusri company term insurance le sakta hun Kaya?
Very good analysis by team.
Your Disclaimer in beginning of this video mentioned: This video contains paid advertisement. Can you please clarify if the advertisement is by Max life Insurance company or Ditto insurance advisors?
Good question🧐🧐
Ditto
Ditto
Both
Both
Good explanation sir. Waiting for best health insurance video.
where can we check all those ratios that you mentioned ? please help.
Pranjal sir 🙏🙏🙏🙏
Please health insurance bhi suggest kijiye na us par bhi ek video banaiye na
Still waiting sir😊😊
Very precise. To the point. Many thanks for this video Pranjal ji. You are the best
Editing discrepancy at 8:20
Data pops up different and sir is saying lic is less than 2, but i see max in the table. 8:20
yes its confusing
Max ko to bechne k paise mile, uski burai kaise krdete
Yes it is typing error...... solvency ration of Max more than 2
He added that typo in description
That would have been added later on or otherwise
Great and informative video, thanks!
Let me tell this sir... somewhere or the other you are doing a great great job by helping people who are unaware or who are misguided or misleaded. Thanks a lot 😇
very good explanation on claim ratio. try to use Indian icons instead of foreign
Happy Mahashivratri sir
Bhai, if GenZ are ones who are buying from private insurance, settlement ratio for term plans are bound to be low.
Does not make sense to remove this and seems missing a vital data point, refraining to call it any 'bias'. Pls agree!
Agar hum mutual fund mye sip k badle har month same amount same fund mye (market dekh kar ) invest kare toh kya oh option better rahega? Dono ki pros or cons kya hey ..long term k liye kon option better rahega?
Prangal bro aap bhut acha kaam kr rhe ho bss weekly one video ka Target bnnvo or ase hi India ko financial strong bnnvo but do weekly video target
Sir, what's the minimum annual income for buy a term plan..???
Sir , this elimination method is the best way to understand. Really continue this process ♥️
Very Informative video
Thanks for the advice 👍
Referring to ur previous term policy videos some year back, i have bought a term policy from ICICI.
Suggest me what to do now😢?
If i buy insurance policy with Max,HDFC,ICICI like private brand. If that company will close after some years . What will happen our polocy?
At 8.21 sec the data showed for solvency ratio for Max and LIC seems like it has got interchanged.
right you are
Which is be better platform for applying for term insurance, policybazar or ditto insurance. Kindly suggest @Pranjal Sir
Really helpfull! Thank You!👍
Sir what to do ? Add on critical illness rider with term insurance or with health insurance?
Thanks sir very knowledgeable video
Bahut sundar Sir
These all data calculation is based on which duration ? 1yr. 5yr 10yr ?
Sir,Iam interested to learn about open interest. High open interest is good or bad
Hi Sir 🙏🙏
I watch your all videos and follow your suggestions. one thing i would like to know " is this sponsored video or genuine" because earlier you suggested to check insurance plan on policy bazaar now saying to check on Ditto. If possible pl. clarify.
Sir, I did took term plan way back in 2016 from Company A.
Can I take another term plan for me today from Company B ?
নমস্কার Sir
I take term plan from Aegon Life at the age of 29, now I'm 42 what can I do please suggest me Sir
Ek video kis case me term insurance ka claim reject ho jata h wo reasons ka video bnaye sir, section 45 b cover krna drink smoking points mist cover with all reasons
Pranjal bhai, aap simple great ho. Salute hai aapko aur aapki pure team ko. You and your team have clarified my major doubts.
Thank you again 🙏
Maine 2 saal pehle Bajaj ka 1 CR ka term plan liya tha ab kya shift kr lu Max pr
Sir, could you please suggest some health insurance as well for 2024
(Please cover ACKO aswell)
How is Tata AIA term plan. And which one is better.
Lic to le chuke hn pitaji log phle se .. ab payment hmse kra rhe hn 😂
Same with me
Just like Moye Moye 😂😂
😂😂 सही कहा
😂😂😂
Same with me 😭😭😭
Sir, please do and teach cash flow of company. This is important or not for company fundamentals analysis.
During claim , they ask for last 3 years bank statements and employer records of leaves and medical claims data
Great thank you so much
can we purchase multiple term plans??
Thanks
Bahut badhiya Bhai 👍
Sir maine tata aia life insurance smart sampoorna Raksha plan 1 crore ka liya hu . monthly 5650 Rupaye dena padta hai .1 saal hua ka plan ko leke .kya kare continue kare ya exit kar le .
Sir, can we get Term Insurance without income proof?
If yes then it has any limit?
Body me already Rare diesese ho to term plan le sakte he?
Sir mene HDFC ka Teram plan Liya Hua Hai.... Kya usko mujhe ab close kar dena chahiye... Meri age abhi 23y hai
10years before Aegon life liya tha ab ye sabse niche he to kya kare. Aaj ki top 10year baad niche aa jaye to kya option he.
Sr apke seminar attend krne k liye kha check kre ki apka seminar kha ho rha hai pls reply jrur kijiyega
Maine hdfc life cover liya sahab.max life ke liye 2 bar apply kiya sahab lekin diabetes hone ki vajah se unhone cover rejected kar diya.😢
Can you tell us about postal life insurance policy
Because in india , max number of people have PLIs.
kya term plan policy bazar se lena Sahi rahega
Why ICICI is included even if the claim settlement ratio is 99.2% ?
Dear sir health insurance pe aur ek video jaroor banayiye 🙏
Sir ye bhi btaye ki income bhi term insurance me important hai
ITR ke according
Can we Port Term plan ???
Great Sir👍👍
Any reason for not including ICICI prudential.?
Could see it as a recommend one in many online platforms.
Yes, Hfdc , icici ,max..these three were common in any video..
Need one video on Health Insurance too
Please make a video on health insurance and compare different plans
Can we have the same video for Health Insurance ..??
Please make one same for health insurance as well
Hi pranjal, can you make a vedio on investment options for NRI please. Would be very helpful.
Thanks for the video ❤
Please make a similar video on best health insurance plans
Hi Pranjal, Can you send me any link for book Mint your money as it's stock out at all online platform.....thanks
I appreciate your work.. I remember u recommending MAX few years back.. And now also it is the best... It feels good that u dont get influenced if somebody pays u extra.. Or whatever.. Good work sir
Abe max ka solvency less than 2 h vedioa dekho it's paid
Term insurance to icici prudential ka la chuka hu, wo acha nhi ha kya.
Sir please, health insurance par bhi video upload kijiye. We need your valuable advice....Thank you sir...🙏
Please make same video on best health insurance.🎉
Apne kaun sa term insurance plan liya h sir ? Multiple companies me liye h ?
Pranjal bhai big fan of yours kaafi sikhne ko mila aapke sare videos se…ek request hai…aap ekbar yeh Tata AIA param rakhshak plan and sampurna rakshak plan pe ek video banao ge please….zada clarity nahi mil raha hai iska…Maine ulip video dekh rakha hai so I know uska downpoints…but yeh abhi 1cr ka life cover k sath investment return bhi de rahe hai woh bhi by investing for only 5 years to policy term tak…so please make a video on this to get clarity on the plan…
bhai maine bhi wo video dekhkar tata sampurn rakshak plan le liya tha
Always Bang content videos delivery by PRANJAL KAMRA ❤
But pranjal LIC has one advantage, that you can buy Term Insurance from LIC without doing research you have done, the only downside is high premium. The premium is for its brand Image and reliability.
@pranjalkamara please make a video on different NPS Charges also I want to know the process of closing of NPS account since I have 2 NPS accounts
If buy term insurance policy with Max,HDFC,ICICI like private brand. If that company will close after some years . What will happen our policy?
मैंने मैक्स life का term insurance 2018 मे लिया था। & I m very satisfied with my decision😊
भाई आपका एक्चुअल satisfaction level तो तब पता चलेगा जब आपका परिवार क्लेम करेगा, अभी तो पेमेंट कर रहे है, पैसे वसूलने में तो सभी कंपनी बहुत सेटिस्फेक्टरी होती है
Sir please make a health insurance video ranking wise like this video.