The ABCs of Term Insurance: Demystifying Policy Types, Features and More! | Ankur Warikoo Hindi
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- Опубликовано: 5 сен 2024
- Join me as I unravel the story behind my decision to buy a term insurance plan at 31. It's been one of the best financial moves I've ever made.
In this video, I break down why this plan can be a smart investment for you, too. We'll delve into what to consider when buying a term life insurance plan, explore available plans and optional riders, and discuss how to choose the right company and plan that suits your needs.
Check out Ditto insurance here: bit.ly/3JhFLKQ
Ditto is backed by Zerodha, and with their free consultation, no-spam policy, and honest insurance advice, you can talk to experts who actually care about you.
This video comes with notes. Check them out here: bit.ly/45WfPxT
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Check out Ditto insurance here: bit.ly/3JhFLKQ
Ditto is backed by Zerodha, and with their free consultation, no-spam policy, and honest insurance advice, you can talk to experts who actually care about you.
This video comes with notes. Check them out here: bit.ly/45WfPxT
Sir me n my wife, we both are govt employees . We have a single kid n We pay out 90 thousands yearly as old type of insurance as like endowment plan,money back plan etc. As per govt rules, our regular salary will not be affected even untimely demise till 60 years of age.... should we consider term plan instead of above mentioned insurance types....
Being a childhood cancer survivor, insurance is a distant dream. Even after 10 years of my treatment None of the companies provide heath or term insurance coverage to cancer survivors. Hope it might change someday 😇
u r warrior my friend, lots of love to u
You are a true Warrior my friend.
Everyone is not so strong like you.
I am very weak
My co. Is covered for Cancer
Care Health Ins.
Soon so many insurance company coming for special coverage of cancer .
Indian govt give free treatment to cancer pts in govt hospital
Insurance always seemed like a complex topics with so many jargons but after watching this video, I have gained much clarity. Thanks a lot for this simple breakdown!
Did he say that no insurance will give back the premium amount if the person is not dead?
Sir Bach ke rahena wife se😢😅
Q ?
😂😂😂😂😂😂
Natural or accidental death is covered under the plan
Bhai sir saal ka 10cr ++ earn krr rahy hai
😂😂😂
Ankur, please consider below points,
1) IRDA has a condition to cap the Sum of all Life insurance to a max SA to 20 times of income at time of signing the policy.
2) Riders are very precisely written, and their claim settlment ration is very low.
3) both Accidental and critical insurance should be part of general insurance, hence shoyld taken part of Personal Accidental or Health insurance, since post 56 you cannot post, hence spend this money to take a larger Super top-up with your health cover...
Please share the advice on this from ditto.
I am 24 and i am in other country. I was thinking to have some insurance and this video gave me a courage to select an option based on the country where I live in.
My favorite financial advisor.
By mistake full form of csr in notes is mentioned as clean settlement ratio instead of claim settlement ratio.
If you think it should be corrected correct it otherwise all fine.😅
Again very good video❤
Good evening sir❤, how r u. I like your talkings, I learn something new from it❤each time. It's like life lessons.
Look I know it is a sponsored video, but can you at least keep your own word. I'm still looking for IRDA report or website link in the description as told by you
I think I'm late enough (in mid 30's) to realize what would happen to all the assets I have added until my death. *Better than Never!* My research is on, and I will take *Term Insurance* ASAP. Thank you for the informational video.
Could you like explain the swp in India specifically for mutual funds and stocks and how it works like the tax on them and how much do we have to exactly invest in these assets to actually gain some profit I do get that they interest rate does best the inflation but the overall profit after the retirement period is still a little confusing and when we do withdraw after certain period of time how do we do that as it is all digital.
Ankur sir, what is the solution for the people who become NRI after taking the Term insurance ? Kindly advice on this. Im facing the same problem now.
Extremely informative and well researched video. You deserve a big thanks Mr. Warikoo for all your hard work. I follow your videos regularly. They are extremely nice videos.
husband and wife, both(salaried) required term insurance?
Sir app such mai mere roll models ho🎉 yhi chiz mai confusion tha app apne apko or dushro ke liye smart 🤓 ban Jaye hai apka ye bat pura realty hai ❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤🎉🎉🎉
Hi Sir, Can I ask which Term Insurance you have opted for
I researched about many companies plans but still confused can you advise
Ditto is awesome, no spam call or msg or mail. Bought health insurance from there.
15-20 days baad followup karte hain whats app se
Very good and practical information. Thanks a lot.
Sir i think u get the idea of ur videos when various sponsorships come to u.I am amazed ditto zerodha learning ka edu something tha.Nice sir ❤
Sir please add subtitles would be of great help who know little hindi😊
I have lot to say about this video but I just want to say
Thank you 🙏
Which company did u select for your term insurance?
Nice video , one question : can only nominees / dependants will be covered under the plan , can we later change the dependants after a few years without surrendering the plan ?
Hi Ankur, you are really inspiring to the young generation. One request, could you please make another video for health insurance too?
What's about health insurance?
Sir I am 37 and I don't have any savings plan please suggest.
As Always Valueable Content 💥
I will do epic things sir, thankyou for the knowledge, give thumbs up who thinks the same
Switching to 1.5X doesn't give better experience Mr.Warriko.
Your finance videos are just epic
best video as always ❤
Thank you so much 😀
Not best videos I expect but I learn new thing
Waiting for next best video on habits and routine for rich and successfully people, self-improvement and development
Love you ankur uncle
💙💙💙💙💙
Hi sir.. I would like to know amount that you have taken for rider.. Is it 10 crore or less?? If not please tell us suitable percentage??
Sir ek doubt hai, jaise Aaj kal companies bhi term life insurance provide karti hain but log aajkal companies change karte rahte hain to kya iss case mein alag se ek aur term life insurance lena chahiye?? Please guide because main abhi student hun aur mereko iska Idea nahi hai. Sir please guide 🙏🙏🙏🙏
Sir, aap ne Ad monetization off Kiya hai?
@warikoo sir, maine term insurance liya but due to some medical history mujhe critical illness rider nai mil rha in Tata AIA, so what should I do??
Sir ye or bata dijiye ki insurance kahan se lena chahiye...have heard negative reviews of policy bazaar... thanks in advance!?
I Am financial manager at ICICI PRUDENTIAL Life insurance
What’s your views in tata aia param rakshak plan?
Nice info !!.. Kindly suggest how many times the coverage shud be for 40 plus yr individuals where premium will be already on higher side (above 70k I guess excluding the ryders). Does 10 -12 times of annual income will be suffice keeping the inflation adjusted.…thanks
41से 45 की उम्र के बीच सालाना आय का 15 गुना से ज्यादा नहीं मिलता।
Wish if you could also cover Whole Life and Universal insurance may be for another day
Thank you so much Sir for this great information ❤
What kind of term insurance to be taken for NRIs. It should be taken from India or a residing country? Please guide
Sir i am NRI, my yearly income below 10 lack, how could i buy term insurance, please give a suggestion.
Love you sir...Thank you so much❤🙏
Very bad experience with hdfc life term policy
Sir is it right for me to open a multi life insurance
Just superb👍
Love your explanation ❤🔥
Happy to hear that!
Fake account
According to UNFPA-
Male LE - 71 Years
Female - 74 Years
Btw Great video, thanks
Amazing video sir...i was waiting for your video....
5:54 was great 😂 sir
Mera ek sawal se apko mirchi lag gayi mera twitter account suspend karwa diya great work wariko sahab 🙏
Sir I big fan of your video 🙏🙏
Sir 2 din pehle nahi Video bana skte the, AAJ hi medical test dekr aaya hun. 🤣😅
Now I wonder I must have done something wrong while deciding for the term plan.
Lv u anyway ❤
thanks 👍
Sir, maine HDFC Life ka Sanchay Par Advantage Plan liya hai 12 years ke liye 50k/year premium ka. But, unhone policy jhoot bolke bechi. It's a big scam. Abhi agar policy surrendor krunga to negligible amount milega. What can I do now?
Great vid, thanks ❤
Thank you Sir
Is there any tax on term Insureance!!
Thanks sir ❤
Sir could u plz tell me that i am a salaried based person and i wanna invest around 5000a month for 3-4yrs so what should be the best thing to get more intrest in the amount
Sir aapp konsa term insurance liye hai....
Term insurance ke bareme kaisa study karnai hai...
Term insurance prices have hiked a lot after covid !
True
फिर भी,ले लें तो अच्छा है।
65 से ज्यादा उम्र तक नहीं लेना चाहिए अगर प्रीमियम कम रखना है
@@KRISHANKUMAR-kh8ci 80 ki age tk liya ha mane
Sir I am 18years student. Investment in mutual fund is worth in this age
Sir i am 18 should I take a term plan right now or should I wait
Dont wait start investing
❤❤❤❤❤
Single logo ko term insurance nahi lena chaiye unless yu hv dependent parents
ye to bata deta kon si company ka term liya.. youtubers ki yahi problem hai, kaccha to pakda dete hain par neeche se phata hua 🤣.. kaccha banane mein itni mehnat ki thoda sil ke de deta to kya jaata
I am first viewer 😊
Sir kya ek se jada term plan lena shi decision hai ya galat
Le sakte ho pr apni annual income ka 20* tk hi Lena . Kyu ki claim k time pr sab check hota h
Sir I'm big fan
5:54 😂😂😂😂😂😂😂
👍👍👍
Sir plz help me i need some financial help
absolutely cracked up on the "31 saal ki umar mei merko kiss kutte ne kaat liya"
bro fir tum mre ya nhi
1st
5:52 ☠
Term insurance promotion 😂
😂@12:50 bhagwan na kare, app ki death to nahi hui . Need to pay attention, Sir.
@Ankoor claim they will not give. Full chor hay insurance company. Come to practical ground.
Toh bhai apnai sai pehlai apnai ghrr walo kaa soch mrr jaa biwi sari ummar khush rahai gee aur tere bachai bhee 😂😂😂😂😂😂😂
31 saal tak nai jeena hai😂😂😂😂😂😂💀
💃💃💃💃💃