Compare Saral Jeevan Beema Insurance: link.labourlawadvisor.in/saral-jeevan-beema Term insurance link.lla.in/Term-insurance Get Best Life, Health and Vehicle Insurance: link.lla.in/policy 💸DEMAT Account: link.lla.in/Demat
Trust me I work for irda and just wanted to tell the correct information by which you can easily raise your views which you are unaware in the field you will not feel bad after calling me
Ulip ke to main bhi khilaaf Hu kyoki usme charges bahut jyada hote hai aur jab stock market Ka risk Lena hi to kyo na direct Kisi stock ya mutual fund me lagao But endowment plan to fixed return dete hai aur some amount of insurance bhi mil jata Hai and riders bhi le sakte hai Agar meri calculation me mistake ho to ek video jarur banana please jisme term and riders ko alag Kar Diya jaaye atleest thoda bahut premium to uska bhi hoga agar alag se Lunga to
Hi LLA, in term plan need clarification on death benefit. Specifically in force policy which says 10 times of anualize premium how it is different from sum assured ?
Sir Gyan toh sab dete hain you tube par Lekin Apne helpers Ko insurance dilane ke liye jo Apne kha hai ...I salute to you sir.. aur un logon Ko Dhyan me rkha hai.. respect.and God bless you..
One of the best things I have seen today is the end tip of this video. Helping someone who is not rich, just by giving them financial advice, without making them realize is just beyond appreciation.
Agreeed! I took it myself. I only came to know about these 2 policies when visited bank for loan. And they told that people are not really aware of these policies. (Y)
You are truly a great teacher..I am trying to understand from last one week what is saral, pradhan mantri beema but by watching your video my all doubts are now clear.✌️✌️
One correction PMJJBY 2LKH PMSBY is also having 2 lakh cover only. I m working in Indian Overseas Bank I told many customers to take these plans but people are so ignorant for the insurance they take form and put it in dustbin so now we are also not giving munch importance bcz it takes a lot of time to convince for loss making product
Here is my experience regarding this plan. I am kidney transplant patient. Called Lic, they told me this scheme is discontinued. Applied for ICICI pru life through policybazaar. They done my physical test at their center, in medical report shared by them every test came normal. Kidney transplant was written in report. After one month my application was rejected. So it is only on paper, no real life use.
Agar aur kahin nahi hai, to yeh Sahi hai... But companies have made its premium constly which is what I covered so People will still will be buying Companies own Term Insurance Plans.
I had a conversation with insurance agent. According to him during the period of 1 year from taking term plan, If the individual dies due to drink and drive or any adventure sport, hiking etc, then it will be considered as suicide case
Best and true information provided as always I doubt even after paying some consulting fees to others regarding this kind of info we will not get this much of detailed information ,please continue the best work..
I felt very good when you talked and thought about those people who are not aware of these policies in the last part of the video. I genuinely feel this was one of the greatest things you have done it for the society through this platform. I am certain that I would definitely use this information to help people for securing their families. Keep doing this good work Mandeep for the society.
Baroda dynamic equity fund - 4000 Axis midcap - 3000 Axis focus 25 - 3000 Baroda large and mid - 1000 Sbi small cap- 1000 Axis small cap - 1000 Axis blue-chip- 3000 Age -20 Sir is my portfolio correct ?
Appreciate for last note, i.e. ur at least thinking of those, who can't even watch ur video, like it. 2-4 logo ki (who can't afford) help karne ka try karunga
Not only term.... Every insurance is important and savings is also important.... First secure your future then go for risky instruments like mutual funds or stocks..... Guys one day will go old and pension.... Which is guaranteed.... Then go for guarateed return plans... I hope every body got..... What I wanted to convey
Thank you so much for great insight into term plan and pradhan mantri schemes for poor people. Your persuasion for doing it for low income person has touched me.
Nice touch in the end about the PMJJBY and PMSBY. I will try and recommend this to all the people I know in the lower economic strata. Is there anything similar for such people to receive medical coverage as well?
Mandeep I must say this thing. Despite LIC promotes it's Term Insurance plan, LIC agent won't recommend it. I already met a customer who sought his displeasure in LIC, coz when he decided to chose Term Insurance for his family security LIC agent tried to evade it by saying that Term Insurance is bad for customer (As what you have been told in your previous video), And when I met him I told the Value of Term Insurance he eagerly took Term Insurance from me (Ps: I'm working in Exide Life Insurance).
Sir apko us agent n term insurance k term condition nahi bati hogi Jab aap apni family k liye term insurance lete h to aap sochte h ki 1 cr milega ye apki death k bad hi milega Pr jab apki family iska death claim lene jayegi to 1 cr nahi unka thulu ban jata h Agar apko snake bite hua h to nahi milega Agar aap dange m mar gye to nahi milega Jab ye condition Batate h Dene k bad Sach m us time lagta h waste of money tab family wale bhi yehi khete h kha Paisa fasa diya
Hi Mandeep I've been watching your videos and started my financial planning. I recently learnt about Kuvera's group medical insurance and found it to be quite interesting. Personally I haven't taken it yet as I'm having my medical insurance with Star Health. My request is to make a video on Kuvera's group medical insurance. Thank you so much as your efforts and hard work is helping us alot. 😊
Last vali policy collage ki tarf se form bharvaya gaya tha jisme mene bhi form bhar diya anyway logo ko jagrurk karna hamra farj hai thankyou brother for helping those who is unknown of this
Bro you're right in telling is the flaws of limited pay. But there's one important point you're missing- the tax exemption that you'll be getting when you pay more amount in a fyi. Compare 1lpa of premium vs 25k of premium. See the amount you'll be saving in taxes. You might say that in the later case also you're saving the taxes, but the problem in this case if you're not reaching the cap of exemption that you can avail.
Father's Age 57 Term Insurance Premium 13000/₹ 5Lacs Cover Endowment 20,000/₹ 2Lacs Cover Which should I buy? obviously 13,000 is high premium for term insurance no other term plans
Death is inevitable...And you are very helpful bhai. Even you don't know your worth, helping millions in this third world country, where smart people always ready to make you fool
Sir agar koi person bilkul normal ho,medical reports ke hisaab se, aur term plan le le, aur term plan lene ke 3 saal baad usko diabetes ya heart trouble ho gaya to kya asi condition main usko ye baat compony ko disclose karna chahiye, kya ase main premium amount badhega, ya term plan reject hoga ?? Please advise ? My Second question is ki koi person apni job quit kar de aur uski total savings & investments 1 crore se zyaada hai to uski term plan ki application entertaining / accept hogi ya reject hogi ??
"Other life insurance plans, like endowment or money back plan, have a saving element in them. They promise to pay either a death benefit in case of death during the term or a maturity benefit if you survive the term of the policy. Term plans, on the other hand, have no saving element (except for return of premium term plans). They pay a benefit only in case of death and the maturity value is, usually, nil." I read this on a blog, how true is this? But please tell wht do we get at the end, like wht will be the maturity benefit of term insurance plan
Sir UTMOST GOOD FAITH is basic of Insurance contract. If anything keeped undisclosed during taking policy and death occured due to that undisclosed reason, company may reject to settle claim.
I have taken max life insurance after taken I got to know in very less cases these companies are going to give money even I have seen 95% negative comments on social media even max life , hdfc life , TATA Then also we have to go for term insurance or not bcz one is paying so much of earnings so that his or her family is going to be secure but if these companies are not at all giving money then wtsa the point ?
Sir, please guide which one will be good?? I) LIC Tech term : Sum assured :- 75 L Policy term 40 yr, starting age 28, premium annually 15,600 ii) HDFC click 2 protect Sum assured 80L Policy term 52 years, starting age 28, premium annually 17,800 ????????????
Great content.......when I heard that you're more focussing on last part, I really wanted it to be the best of complete video . You proved your point and your heart.
@labour law advisor totally agreed this plan can go every illiterate people but there is one more condition income proof and education requirements are there mandatory please check
Thanks for Imparting Such a Valuable and a Crystal Cut Knowledge Covering for all Sections of Socity . Weldone Keep it up . Little bit Correction Presently From Jun 2022 PMJJBY Subscription is of Rs 436/- And PMSBY Subscription is of Rs 20/-.
Sir.. I need your openion. I've purchased term plan from Tata AIA, cover - 1.10 crore, tenure 30 yrs, premium payment term 10 yrs (limited Pay), premium - 16.52 k (incl taxes). I've already paid 4 premiums. I saw your video on limited Pay and regular pay. And now I understood the benifits of regular pay. I've approched Tata AIA and requested three things : 1. Convert limited Pay into regular pay. 2. Reschedule policy term from 30 yrs to 40 yrs. And 3. Requested riders for critical illness and accidental disability. But, insurance company refused to comply all my requests stating, 'Policy is not in free look period'.. what should I do now.. plz guide me sir.. plz. I'll be happily pay u consultation fees if you want. But plz resolve my query.🙏
Firstly thanks for making such videos and educating us. I have gone through other videos and applied Tata AIG. I had an operation 10 yrs before and now i am perfectly fine now. Because i had some stitch marks so they asked about it and i shared all the details. Company refused to give the term insurance and they didn't provide any reason as well. I used policy bazaar. They refunded my amount. Any suggestions what should i do now to know the reasons. I was applying for 50 Lac. Thanks in advance
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Compare Saral Jeevan Beema Insurance: link.labourlawadvisor.in/saral-jeevan-beema
Term insurance link.lla.in/Term-insurance
Get Best Life, Health and Vehicle Insurance: link.lla.in/policy
💸DEMAT Account: link.lla.in/Demat
Ok unsubscribe karke nikla
Trust me I work for irda and just wanted to tell the correct information by which you can easily raise your views which you are unaware in the field you will not feel bad after calling me
Ulip ke to main bhi khilaaf Hu kyoki usme charges bahut jyada hote hai aur jab stock market Ka risk Lena hi to kyo na direct Kisi stock ya mutual fund me lagao
But endowment plan to fixed return dete hai aur some amount of insurance bhi mil jata Hai and riders bhi le sakte hai
Agar meri calculation me mistake ho to ek video jarur banana please jisme term and riders ko alag Kar Diya jaaye atleest thoda bahut premium to uska bhi hoga agar alag se Lunga to
Hi LLA, in term plan need clarification on death benefit. Specifically in force policy which says 10 times of anualize premium how it is different from sum assured ?
According to me, PMJJBY & PMSBY each has 2 lakhs sum assured....how did Sir told 4 lacs sum assured in one of them...at 15:18
This is one of the few channels where i dont remove adds....thanks for such a great content..
That last chapter was very thoughtful
Me bhi ...
Me janta hu content create krne me kitni mehnat lgti hai .
Really lagta hai aap he Garibon ke bhagwan hain.. Hats Off Sir Ji... Dil se Grand Salute aapko....
Sir Gyan toh sab dete hain you tube par Lekin Apne helpers Ko insurance dilane ke liye jo Apne kha hai ...I salute to you sir.. aur un logon Ko Dhyan me rkha hai..
respect.and God bless you..
One of the best things I have seen today is the end tip of this video. Helping someone who is not rich, just by giving them financial advice, without making them realize is just beyond appreciation.
Agreeed! I took it myself. I only came to know about these 2 policies when visited bank for loan. And they told that people are not really aware of these policies. (Y)
You are truly a great teacher..I am trying to understand from last one week what is saral, pradhan mantri beema but by watching your video my all doubts are now clear.✌️✌️
One correction
PMJJBY 2LKH
PMSBY is also having 2 lakh cover only.
I m working in Indian Overseas Bank I told many customers to take these plans but people are so ignorant for the insurance they take form and put it in dustbin so now we are also not giving munch importance bcz it takes a lot of time to convince for loss making product
Thank you sir , for wonderful knowledge , appreciate your , love From Rajkot , GUJARAT
Last me jo aapne bataya vo sabse important hai. Society ko aage akar apne aas paas ke sabhi logon ko 12 aur 330 jarur dilwana chahiye
Your last social appeal is too touchy... great social awareness...
I'm impressed that you are even thinking about low paid people working around us. #Respect
Much finacial knowledge with best simplicity.... Good brother... ❤
Here is my experience regarding this plan. I am kidney transplant patient.
Called Lic, they told me this scheme is discontinued.
Applied for ICICI pru life through policybazaar.
They done my physical test at their center, in medical report shared by them every test came normal. Kidney transplant was written in report.
After one month my application was rejected.
So it is only on paper, no real life use.
So again third application got declined from PNB MetLife.. reason .. Company guidelines..
Agar aur kahin nahi hai, to yeh Sahi hai...
But companies have made its premium constly which is what I covered so People will still will be buying Companies own Term Insurance Plans.
Also, they expect that for some reason claim ratio will be very high....
Really most awaited video. I was expecting this from you. Awesome RUclips Channel.❤️
You impressed me with word Guard "Saab". Your amazing!
I had a conversation with insurance agent. According to him during the period of 1 year from taking term plan, If the individual dies due to drink and drive or any adventure sport, hiking etc, then it will be considered as suicide case
Most of the insurance agent never ever encourage you to buy Term plan
As commission is low there
Sirjee, Namaste. Waiting for your video since long
i never forget to watch such videos on your channel
Bhai 15:30 ke baad to aapne dil jeet liya ...
So proud of you sir .. spreading such useful information to underprivileged and underinsured segment people's.... 🙏🙏
Best and true information provided as always I doubt even after paying some consulting fees to others regarding this kind of info we will not get this much of detailed information ,please continue the best work..
I felt very good when you talked and thought about those people who are not aware of these policies in the last part of the video. I genuinely feel this was one of the greatest things you have done it for the society through this platform. I am certain that I would definitely use this information to help people for securing their families. Keep doing this good work Mandeep for the society.
Thanks Mandeep, appreciate your efforts, just bought term from policy bazar with your url reference :)
Baroda dynamic equity fund - 4000
Axis midcap - 3000
Axis focus 25 - 3000
Baroda large and mid - 1000
Sbi small cap- 1000
Axis small cap - 1000
Axis blue-chip- 3000
Age -20
Sir is my portfolio correct ?
Appreciate for last note, i.e. ur at least thinking of those, who can't even watch ur video, like it.
2-4 logo ki (who can't afford) help karne ka try karunga
Your analysis is all time perfect Sir. Thank you very much Sir, Regards,
Thank you so much for sharing this vital information to everyone
❤️
Not only term.... Every insurance is important and savings is also important.... First secure your future then go for risky instruments like mutual funds or stocks..... Guys one day will go old and pension.... Which is guaranteed.... Then go for guarateed return plans... I hope every body got..... What I wanted to convey
Thanks for enlightening, bachaa diyaa bhai aapne.
Thank you so much for great insight into term plan and pradhan mantri schemes for poor people. Your persuasion for doing it for low income person has touched me.
So proud of you! This one's sooooo empowering ❤️👍
Nice touch in the end about the PMJJBY and PMSBY. I will try and recommend this to all the people I know in the lower economic strata. Is there anything similar for such people to receive medical coverage as well?
According to me, PMJJBY & PMSBY each has 2 lakhs sum assured....how did Sir told 4 lacs sum assured in one of them...at 15:18
U r doing good job sir,,,it is beneficial for us to see Utube
Very useful info sir,saral pension yojnaa ke barein main batein.1st April 2021 se start hone wala hai.
You guys are really making difference. ❤️
Bhai for my Financial Knowledge and Financial Growth....you are my Teacher
Bahut sahi sir. Apne bahut sahi knowledge share kri hai. Muje hdfc sanchay life gurantee plan se nuksan ho gya. Ab maine vo close krdi
Mandeep I must say this thing. Despite LIC promotes it's Term Insurance plan, LIC agent won't recommend it. I already met a customer who sought his displeasure in LIC, coz when he decided to chose Term Insurance for his family security LIC agent tried to evade it by saying that Term Insurance is bad for customer (As what you have been told in your previous video), And when I met him I told the Value of Term Insurance he eagerly took Term Insurance from me (Ps: I'm working in Exide Life Insurance).
Sir apko us agent n term insurance k term condition nahi bati hogi
Jab aap apni family k liye term insurance lete h to aap sochte h ki 1 cr milega ye apki death k bad hi milega
Pr jab apki family iska death claim lene jayegi to 1 cr nahi unka thulu ban jata h
Agar apko snake bite hua h to nahi milega
Agar aap dange m mar gye to nahi milega
Jab ye condition Batate h Dene k bad Sach m us time lagta h waste of money tab family wale bhi yehi khete h kha Paisa fasa diya
Hello Mandeep U r information too useful and explanation is too good God bless u .
All insurance videos by LLA are informative & useful
VERY GOOD INFORMATION.
Hi Mandeep
I've been watching your videos and started my financial planning. I recently learnt about Kuvera's group medical insurance and found it to be quite interesting. Personally I haven't taken it yet as I'm having my medical insurance with Star Health. My request is to make a video on Kuvera's group medical insurance.
Thank you so much as your efforts and hard work is helping us alot.
😊
Great work.. bhot kuch seekha h bro aapse.
please keep on making such videos on other topics as well.. Be well.. god bless 🙏
Last vali policy collage ki tarf se form bharvaya gaya tha jisme mene bhi form bhar diya anyway logo ko jagrurk karna hamra farj hai thankyou brother for helping those who is unknown of this
All your videos gives best information..than any other youtubers, agents and financial advisors..👌👌
Bro you're right in telling is the flaws of limited pay. But there's one important point you're missing- the tax exemption that you'll be getting when you pay more amount in a fyi. Compare 1lpa of premium vs 25k of premium. See the amount you'll be saving in taxes. You might say that in the later case also you're saving the taxes, but the problem in this case if you're not reaching the cap of exemption that you can avail.
Very enlightening, loved your videos always, please can you make videos on diversified investment?
Father's Age 57
Term Insurance Premium 13000/₹
5Lacs Cover
Endowment 20,000/₹
2Lacs Cover
Which should I buy? obviously 13,000 is high premium for term insurance no other term plans
This is paid content. This is what financial advisors charge you for. THANKYOU LLA
Thank you sir for updating us🙏
Yesterday Lic launched this product, in circular it is clearly mentioned, that housewife is not covered
सर आपसे विनम्र निवेदन है कि, आप lic के न्यू प्लान नंबर 861पर एक फुल वीडियो बनाये प्लीज 🙏
You are a real life saver for us.
Thank you for the information sir 👌
Sir dono lene par hi 4 lakhs ka cover hota ha vo bhi jab accident death ka case ho kisi bhi ek m max 2 lakhs hi hota ha
Kya hum 25 lak kae 4 saral bema yogna wale plan 4 alag company sae lae daktar hai kya?
Can you share info about PLI ? Is it good insurance?
You r really doing grt job
Nice message for under privileged people. Will surely educate about PM yojana
Thank u very much for your effort🙂😄 Able to learn something new with thoughtful ending 💥💯
Death is inevitable...And you are very helpful bhai. Even you don't know your worth, helping millions in this third world country, where smart people always ready to make you fool
Firm ke naam pr shopping kare toh gst kaise save kare please explain..
Mandip bhai keep rocking🎸🎶🎶
I have received best contents and discussion on this channel.
ah term policy dekhna me achha hai par asani se milta nahi bat pahle jaisa hi ho jata hai
Parnam sir
Smart and helping MIND9 always win
Sir agar koi person bilkul normal ho,medical reports ke hisaab se, aur term plan le le, aur term plan lene ke 3 saal baad usko diabetes ya heart trouble ho gaya to kya asi condition main usko ye baat compony ko disclose karna chahiye, kya ase main premium amount badhega, ya term plan reject hoga ?? Please advise ? My Second question is ki koi person apni job quit kar de aur uski total savings & investments 1 crore se zyaada hai to uski term plan ki application entertaining / accept hogi ya reject hogi ??
"Other life insurance plans, like endowment or money back plan, have a saving element in them. They promise to pay either a death benefit in case of death during the term or a maturity benefit if you survive the term of the policy. Term plans, on the other hand, have no saving element (except for return of premium term plans). They pay a benefit only in case of death and the maturity value is, usually, nil." I read this on a blog, how true is this? But please tell wht do we get at the end, like wht will be the maturity benefit of term insurance plan
Sir UTMOST GOOD FAITH is basic of Insurance contract.
If anything keeped undisclosed during taking policy and death occured due to that undisclosed reason, company may reject to settle claim.
I have taken max life insurance after taken I got to know in very less cases these companies are going to give money even I have seen 95% negative comments on social media even max life , hdfc life , TATA
Then also we have to go for term insurance or not bcz one is paying so much of earnings so that his or her family is going to be secure but if these companies are not at all giving money then wtsa the point ?
Very helpful information..thank you sir..god bless you
Should I take bajaj Allianz smart protect or tata aia term insurance
Exclusions m ho Suicidal attempt hai usme alcohol consume krke gadi chalane jaisi chije bhi aa jati hain...
Sirji Bahut bahut Dhanyawad!
Sir, please guide which one will be good??
I) LIC Tech term :
Sum assured :- 75 L
Policy term 40 yr, starting age 28, premium annually 15,600
ii) HDFC click 2 protect
Sum assured 80L
Policy term 52 years, starting age 28, premium annually 17,800
????????????
Thank You Very Much Sir ❤
Love From Tripura North East❤
Good information bhai
❤️From Assam
Why I love the intro music so much!
Plz mention the source of the music.
Great content.......when I heard that you're more focussing on last part, I really wanted it to be the best of complete video . You proved your point and your heart.
U r my fvrt youtuber...🙂
@labour law advisor totally agreed this plan can go every illiterate people but there is one more condition income proof and education requirements are there mandatory please check
🙏💐 no words for u r works thanks
Thanks for Imparting Such a Valuable and a Crystal Cut Knowledge Covering for all Sections of Socity . Weldone Keep it up . Little bit Correction Presently From Jun 2022 PMJJBY Subscription is of Rs 436/- And PMSBY Subscription is of Rs 20/-.
Very nice bhai 😊😊
U r great ...
god bless you...
Plz make video on health insurance portability..
Monthly ya yearly me kya thick hai
D best chhanel Sir 👍
Sir raider ke bare me bataiye
Kaun sa raider lena chahiye aur kya bina raider ke lena jyada achha hai?
Thanks U saved my money.
Defense person ko kon si company ka term insurance lena chahye
What are the salary proof required to take this saral jeevan Bima
Thank you very much sir to give this valuabel information people like us who cant selected term insurence by any company.
saral jeewan bima konse company k lena chahiye?
pl tell us!
thank you
Good advice God bless you
Please make video on capital guarantee solutions as well Sir like hdfc capital guarantee and other schemes by Tata etc ..
Sir.. I need your openion. I've purchased term plan from Tata AIA, cover - 1.10 crore, tenure 30 yrs, premium payment term 10 yrs (limited Pay), premium - 16.52 k (incl taxes). I've already paid 4 premiums.
I saw your video on limited Pay and regular pay. And now I understood the benifits of regular pay.
I've approched Tata AIA and requested three things : 1. Convert limited Pay into regular pay. 2. Reschedule policy term from 30 yrs to 40 yrs. And 3. Requested riders for critical illness and accidental disability.
But, insurance company refused to comply all my requests stating, 'Policy is not in free look period'.. what should I do now.. plz guide me sir.. plz. I'll be happily pay u consultation fees if you want. But plz resolve my query.🙏
Sir , check it for lic.
Once u took term insurance, u cannot modify the way u thinking
What if the term insurance is rejected due to weight or health reasons? Should I opt for this plan?
Obviously, go for *LIC's Saral Bima Yojana* ! Jindagi ke sath bhi, Baad bhi ..!
Your all video is very helpful for us thank you so much sir
Firstly thanks for making such videos and educating us. I have gone through other videos and applied Tata AIG. I had an operation 10 yrs before and now i am perfectly fine now. Because i had some stitch marks so they asked about it and i shared all the details. Company refused to give the term insurance and they didn't provide any reason as well. I used policy bazaar. They refunded my amount. Any suggestions what should i do now to know the reasons. I was applying for 50 Lac. Thanks in advance