Sir Ji yadi term insurance lete wakt jitni income hamne aapni batayi hai , yadi utni income at the of claim nahi ho to pura Paisa milta hai ya fir kam milta hai ? ......
Hi. There are 2 types of time periods in term insurance. One is premium paying term and the other is insurance validity term. For example- You can pay premium till 60 years of age and the insurance will be valid to 85 years of age. In this also, we should be choosing insurance term as 60 years to save the premium?
I think we should choose to pay till 85yrs in your case or till the term's age. According to time value of money, you will save moreover if you invest it will give you good returns.
Madam kuch nahi se kuch hona hamesha behtar hota hai.. 1 cr. ka swp bhi karwayenge next 15 years ke liye to you can easily withdraw 80K per month for your financial needs and after 15 years from average 12% returns, your corpus will be 1Cr. 70 Lacs approx.
Term Insurance chaiye my Age 35 saal or my son Age 3 saal or mujhe 15 saal ke liye term insurance policy chaiye kis company ka lu Jo Sabse Accha ho, Sir Ji Answer ?
Which is better LIC plans which invest your money in market and you get insurance of 10 times money invested or term insurance? In first case you also get your money back at the end of period.
Anant bhai. Maine jo 2 din ke research aur calculation se samjha usse aapne pahle 5 minute mein bata diya. Buy vanilla term insurance and upto age of financially active which mostly happens between 60-70 years. Baaki thoda detail de dete 3 years clause ke baare mein ki ground level par kya hota hai.
13:19 Sir, agar company medical ka report by phone ie tele- medical se kare toh phir kya karna hey. Mein jo liya hu term plan usme toh bass company ne tele medicals kiye. What to do next for our safe side. Shall we do our medical in our personal intrest abd keep the documents with the bond. Is it making a sence or not please tell
Hi brother. Its better to take full body medical test every 6 months once from any hospital and keep the reports for our safety side. It will be our proof
Salary account na ho to Wo kaise term insurance Le Sakta hai. jimedaari Bahut hai or ola car chalata hu 50000 bhi kamata hu. But Life insurance karne se mana Kar diya company ne. Aisa kyo
My mothers home loan tenure is of 2038 mean her 68s i had purchased for 65 age 3 year of loan is not covered did i go to cancel recent purchase term insurance and buy new one for 70 years of age .....am confused .....as am medically unfit am unable to do job now thats why am i asking
No need to declare the disease now, as it occured post policy issuance from the insurer. Continue paying the premiums as pers schedule to keep the cover running.
If we forgot something to disclose or after taking the policy and successful health test before policy approval where we get diagnosed with some disease or other things like diabetes or BP etc. Do we need to tell these things to insurance company? If yes, when n all can we disclose it to the company
You have to disclose all material facts only at the time of filling the application form which is before issuance of the policy. If the insurance company gets to know later that you have not disclosed any material fact, it will cancel your policy with immediate effect.
सर मैं स्टार हेल्थ का यंग स्टार गोल्ड प्लान ले रखा है , कृपा कर आप मुझे बताए यह प्लान उचित है या अनुचित , मेरी उम्र 33 पत्नी की 29 एवं गुड़िया की 2 वर्ष है , s.s. 5 lakh.... प्लिज सर प्लान का अभी एक वर्ष पूर्ण होगा...।
Yes, regular term insurance products offered by private life insurers usually require the insured person to be a graduate. However, terms and conditions for eligibility vary from insurer to insurer.
Sir i had taken max life term insurance of 1 crore in the year 2014 when i was 25 years old at that time they also conduted medical test and reports of the same is also attached with my policy. at present my income is 1 lakh . My two quetions are should i have to increase the term insurance amount and second should i take increased amount form same company or should go for another company.
Hi Anant sir, Meri umra 34 year hain aur abhi 2 mahine pahale term plan liya hai lekin mera medical test nahi kiya company ne only video conferencing karke janakari li hai. Main chahata tha mera medical test ho to ab main kya kar sakta hu?main company ko abhi request kar sakata hu kya test ke liye??maine koi jankari chupai nahi hai.
टर्म इंश्योरेंस लेते ही इसलिए है की आपके न रहने पर घर वालो को पैसे मिल जाए इसलिए मन में जरा सा भी डाउट नही होना चाहिए। एलआईसी को ही चुने जिससे बेफिक्र होकर आप टर्म इंश्योरेंस लेकर निश्चिंत हो सकते हो
Term insurance - bit.ly/3RUZcMZ
Health insurance - bit.ly/48ymQpE
Irdai agency sai jayada commision dana lagha policy bazaar affiliate mai kya ?
Is it better to take term insurance from two companies??
Lic ka term insurance achha hai
Superb topic sir... Eagerly waiting for health insurance subjects
Simple and easy explanation ❤️
बहुत-बहुत सकारात्मक
Bahot acha sikhaya annat bhai aapne
you are my guru dev ji ❤❤❤
Best meaningful information in short period of time...👍
Simple and easy explanation
Best explanation
Brilliant thats reasons invest aaj for kal😊
Very nice and helpful information
From where we can check the point explained in the video, we can easily check claim settlement percentage but other points not easy available
Sir pls let us know about MWP act under Term insurance
धन्यवाद जो आपने मेरे कमेंट को सीरियस लिया।
चलो अच्छा है कम से कम आपके द्वारा टर्म इंश्योरेंस के सच्चाई तो बाहर आएगी।
Good info
Claim rejection ka kala sach
LIC is the best company in term insurance but premium thoda high hai wo ishiliye bahut sarey exclude hotey hai jo lic of India main nahi hotey hai.
Good information
Waiting for health insurance video
After three years of premium no any company can reject the claims on hiding anything earlier as per IRDA
Proof?
Section 45A
Right.. Company Have Right They Can Ask Any Details In 3 Years.After That They Have To Approve Claim.
Exactly 💯
If this is the case, the why we are hearing so much complaint about claim rejection based upon information?
Sir Ji yadi term insurance lete wakt jitni income hamne aapni batayi hai , yadi utni income at the of claim nahi ho to pura Paisa milta hai ya fir kam milta hai ? ......
Wonderful information and you said it all very convincingly ❤
hi
can i help you for term insurance
Good information sir
Super 👍👍👍
Super unic 👍
Nice information ❤
Please come out similar video on Travel Insurance
Hi. There are 2 types of time periods in term insurance. One is premium paying term and the other is insurance validity term. For example- You can pay premium till 60 years of age and the insurance will be valid to 85 years of age. In this also, we should be choosing insurance term as 60 years to save the premium?
😅
I think we should choose to pay till 85yrs in your case or till the term's age. According to time value of money, you will save moreover if you invest it will give you good returns.
Good info sir.... best emotional point was hm sochte h kbhi na kbhi 1cr milega pr kya tb 1 cr ki value hogi...
Madam kuch nahi se kuch hona hamesha behtar hota hai.. 1 cr. ka swp bhi karwayenge next 15 years ke liye to you can easily withdraw 80K per month for your financial needs and after 15 years from average 12% returns, your corpus will be 1Cr. 70 Lacs approx.
To fir aap extra premium emi do jyada crores pao
Jyada lena hai to jyada dena pdega ji
Overall good video
Term Insurance chaiye my Age 35 saal or my son Age 3 saal or mujhe 15 saal ke liye term insurance policy chaiye kis company ka lu Jo Sabse Accha ho, Sir Ji Answer ?
Which is better LIC plans which invest your money in market and you get insurance of 10 times money invested or term insurance?
In first case you also get your money back at the end of period.
Very good nice
Only ek mistake...Rider plans include nahi kiye
Very good 👍
Anant ji apke paas kauns yerm plan hai
bhutt ashaaa
@all 1cr ka term plan ek company se lena sahi ya fir 50-50 lack k 2 company se plan lena sahi hoga
Good
Nice
Policy bazar agent says, apko term insurance ke liye minimum 3 years ka return file chahiye hota he, after this we can apply.
Anant bhai. Maine jo 2 din ke research aur calculation se samjha usse aapne pahle 5 minute mein bata diya. Buy vanilla term insurance and upto age of financially active which mostly happens between 60-70 years. Baaki thoda detail de dete 3 years clause ke baare mein ki ground level par kya hota hai.
Hlw sir agar aap ek acha insurance dekh rahe h toh reply kre
Is term insurance applicable to defence force personnel because something coy denies to issue term plan to them?
good
😊
Hello Sir, I am 35 years. muje yeh puchna hai ki term Insurance mei critical I'llness ke rider ka kitne amount ka cover lena chahiye
Super hero
Most important point as Anant Bhai said, do the medical test, I don't know what my body is., I miissed it , everyone should go medical test
Do I need to have the required medical test at my own or the company will make the arrangements.??
Any reviews about Aegon Term Plan
👌👌👌👌
Jai hind sir
Kya sir ek fouji/army Shoulder saheed hone per term insurance ka amount milega ki ni plz explanation
If i dont have any liabilities now, should i take term insurance ? I have many investments
nicely explained
13:19 Sir, agar company medical ka report by phone ie tele- medical se kare toh phir kya karna hey. Mein jo liya hu term plan usme toh bass company ne tele medicals kiye. What to do next for our safe side. Shall we do our medical in our personal intrest abd keep the documents with the bond. Is it making a sence or not please tell
Hi brother. Its better to take full body medical test every 6 months once from any hospital and keep the reports for our safety side. It will be our proof
👍
Which claim sir accidental death or natural death
Sir what to do ? Add on critical illness rider with term insurance or with health insurance?
❤
How can I know about claim settlement ratio
Jo details hai term insurance company ka usko kahan se dekhen link dijiye
Ye sab detail technical information kaha available rehti hai bhai ?? Website par toh nahi hai.
Abhi mutual fund wala term plan aaya he wo kaise rehta he
1 se jyada term insurance plan le sakte hai ?
I bought LIC Tech term plan 854 since 2020.
What is the yearly premium
Apake video main term insurance ka ad aay raha hain 😮
Insurance claim ratio
Amount claim ratio
Rejection ratio ki details kaha se access kar sakte hai
How to check those 5 points?
😮😮
Sir kya 2 alag alag company ke term insurance le sakte hey kya kyunki ek company liya tab income utani nahi thi.
Yes
Sirji apne 13min ka video Kiya but finally kon sa plan Lena ye bare may kuch bhi bola nai
Medical test pe toh proof mil jayaga bimar hai ki nahi hai
Agar mai 60 years tak liya aur mai zinda raha mujhe pura peisa milega ki nhi milega.
How I check 5 point
Ratio kese pata kre kisi company ka ye bi bta do
First class
Kya main 2 50k karke alag alag company ka term plan le sakta hun?
Life insurance kar na sahi nahi hai kya??
PNB MetLife kaisa hai?
Salary account na ho to
Wo kaise term insurance
Le Sakta hai. jimedaari
Bahut hai or ola car chalata hu
50000 bhi kamata hu. But
Life insurance karne se mana
Kar diya company ne.
Aisa kyo
My mothers home loan tenure is of 2038 mean her 68s i had purchased for 65 age 3 year of loan is not covered did i go to cancel recent purchase term insurance and buy new one for 70 years of age .....am confused .....as am medically unfit am unable to do job now thats why am i asking
Anant bhai singel premium term plan lena chahiye ya nhi ??
Nahi
If disease occurs after two years of taking terms plan then what to do?
try to keep a document of fully body checkup documents to show the proof that the disease happened after taking insurance & not before that
No need to declare the disease now, as it occured post policy issuance from the insurer. Continue paying the premiums as pers schedule to keep the cover running.
Yae ratio kaha sae milenge?
If we forgot something to disclose or after taking the policy and successful health test before policy approval where we get diagnosed with some disease or other things like diabetes or BP etc. Do we need to tell these things to insurance company? If yes, when n all can we disclose it to the company
You have to disclose all material facts only at the time of filling the application form which is before issuance of the policy. If the insurance company gets to know later that you have not disclosed any material fact, it will cancel your policy with immediate effect.
I am a driver as professional can I purchase term plan
Is health insurance under cheersnjeevi sufficient for a family
Will cover soon
👍👏🙏
सर मैं स्टार हेल्थ का यंग स्टार गोल्ड प्लान ले रखा है , कृपा कर आप मुझे बताए यह प्लान उचित है या अनुचित , मेरी उम्र 33 पत्नी की 29 एवं गुड़िया की 2 वर्ष है , s.s. 5 lakh....
प्लिज सर
प्लान का अभी एक वर्ष पूर्ण होगा...।
sir mammi ke liye koun sa plan loo please bataye 55 age hai mammi ki
I have a question, does a person has to be graduate to be eligible for term life insurance?
esse to ni hoga
Yes, regular term insurance products offered by private life insurers usually require the insured person to be a graduate. However, terms and conditions for eligibility vary from insurer to insurer.
Yes
What if I purchase the insurance and after some years the company goes bankrupt.. what will happen to my cover n premium paid ??
Very good question
Sir i had taken max life term insurance of 1 crore in the year 2014 when i was 25 years old at that time they also conduted medical test and reports of the same is also attached with my policy. at present my income is 1 lakh . My two quetions are should i have to increase the term insurance amount and second should i take increased amount form same company or should go for another company.
u can increase your insurance cover with another co.
Term plan directly online le ya agent se Lena chahiye ?
Income tax return chahie 3 sal ka return vah kahan se
काला लिखना जरूरी था क्या
Jaise humne 60 years ki age tk premium pay kia, and we lived toh kya kya after 60 years age, total deposited premium ka koi amount milega
Milta hai TATA AIA LIJIYE
Hi Anant sir,
Meri umra 34 year hain aur abhi 2 mahine pahale term plan liya hai lekin mera medical test nahi kiya company ne only video conferencing karke janakari li hai. Main chahata tha mera medical test ho to ab main kya kar sakta hu?main company ko abhi request kar sakata hu kya test ke liye??maine koi jankari chupai nahi hai.
टर्म इंश्योरेंस लेते ही इसलिए है की आपके न रहने पर घर वालो को पैसे मिल जाए इसलिए मन में जरा सा भी डाउट नही होना चाहिए।
एलआईसी को ही चुने जिससे बेफिक्र होकर आप टर्म इंश्योरेंस लेकर निश्चिंत हो सकते हो
@@darshanparihar1996 sir kya yen term insurance better hai mtlb agar inshan bhgwan na kre but nhi mara toh kya yen blc milta hai ya nhi plz
@@kalpanagaur4786 yes
@@darshanparihar1996 but sir mne toh yahi suna hai ki jab koi mar jata hai tab milta hai yen blc
sir term insurance ma accidentally cover ma army person ka war etc bhe cover hota h reply plz
No except tata AIA where you can get
Whats your view about Tata Aia sampoorn surakshna plan
I'm having it last 15 months.
@@Iam_king_sajidis it ULIP plan
@@aallearn4927 yes.
@@aallearn4927 when we can get better return
Best
Health insurance & term insurance ke vedio ke liye sponsorship mat liya karo🙏
Epilepsy h or Madison chal rahi liken Aegon life ne phir bhi reject kr do policy
Mene disclosed kr diya tha
नही करना था,,3 साल पूरे होते ही रिजेक्ट नही हो सकता क्लेम,,तीन साल से पहले जरूर रिजेक्ट होता है अगर कुछ छुपाया है तो