How to buy Life Insurance / ஆயுள் காப்பீடு வாங்குவது எப்படி

In this video, we will see how to buy a life insurance for us. Many of us do not even realize the importance of life insurance. In India, we get reminded about its importance only thru insurance agents. But unfortunately, most of them misguide us and sell products like ULIP that is not of big use as life insurance. In this episode, how to choose and buy a good life insurance is explained in detail.
Following questions are answered:
1. What is insurance?
2. How can we find that we need a life insurance?
3. How much do we need as life insurance?
4. How long do we need the life insurance coverage?
5. What is the best life insurance to buy?
6. What is Term Insurance?
7. How good is term insurance when compared to ULIPs and endowment policies?
8. Why insurance need should not be mixed up with Savings/Investments needs.
If you would like to use the return calculator used in this video, copy it to your google account from here: docs.google.com/spreadsheets/...
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Reference:
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[@idavelan9499]

Wow! I have never seen anyone in sync with us like this. Every single topic in the videos that you uploaded were researched and explored for last few years by us and we are on right track now towards financial freedom. We have explored term insurance vs investment insurance and decided on term insurance for the same exact reasons that you have explained here. Both me and my spouse watch your videos together and we are a big fan. Your way of narration is very good. Nanbenda!! :)

[@InvestmentInsightsTamil]

Glad to hear that.

[@Tpaiyne]

Excellent video!! I was almost fooled 2 years back into buying an ULIP from LIC in which I have to pay 1.5 lakhs per year for 25 or so years and then after a period of 31 years I would get 81 Lakhs tax free money. I thought this was somehow useless and then opted of it. Now I know the math behind the useless scheme thanks to you! Tysm keep going 👍👍

[@vijaimahi6547]

Oru appa solikodukara mari eruku...Thank you so much🤝..pa

[@balugokul7290]

romba nalla explain paneenga sir! ungala guru va pakran!
thanks you for your knowledge sharing sir !

[@AP_Kudumbam]

Watched your Video exactly one Year Later and still a valid and important information for me to follow.. Thank you

[@loneranger4765]

Thalaiva enga irundenga ivlo naal. You are my Financial Guide. Found your video randomly and you are really helping.

[@InvestmentInsightsTamil]

Glad to hear that

[@muthuswamy5449]

Clear cut and straight forward speech sir.....got to know about more and more things.Thank you❤️

[@meenakshimurugappan2744]

Romba azhaga puriya vaikiringa sir romba porumaya puriya vaikiren ga.neenga sonnathuku aparam than enaku index fund purinthathu

[@srimathuramsmedicalenginee7710]

இத்தருணத்திற்கு தேவையான விளக்கம். மிக்க நன்றிங்க

[@gunasekaranrengaswamy6595]

Anazing explanation, I have taken ulip linked policies with high premiums few times and have discontinued them losing all money. Instead I could have taken term insurance as suggested by you. Wish someone was there to advise me earlier.
Thank you Mr.Vijay Mohan 👍👌

[@samrajnatarajan3259]

another great video. Thanks for your eye-opening perspectives. even if you are PhD in India, financial knowledge is as good as an LKG student. You and Anand srinivasan are doing this extension education and I am sure in the community many will be benefit and generations will prosper

[@luckyvel3]

உங்கள் எளிமையான விளக்கங்கள் தொலைநோக்கு பார்வை நீங்கள் எடுத்துரைப்பது பொருளாதாரமாக இருந்தாலும் அதை நீங்கள் அன்புடனும் அக்கறையுடனும் சொல்லும் விதம் மனம் நெகிழ்கிறது பல ஐயப்பாடுகளை நீங்கள் எளிதாக விளக்கியுள்ளீர்கள் 🙏

[@InvestmentInsightsTamil]

மிக்க நன்றி!

[@ldkdinesh]

Great video Sir. I was contacted twice by ICICI folks for ULIP plans. With my little knowledge, I could only sense that even FD with compounding would give same return and couldn’t see beyond. This video is a eye opener.
Simple, precise and easy to understand.
Nandri 😊😊😊

[@anandraj2314]

Sir... Very enlightening. Awesome job. Much needed for our generation. Started binge watching your videos

[@venkateshmurugadas7481]

Thank you so much, Vijay. You have saved me from making a very bad financial decision. Thanks a lot.

[@raghurammuthusamy8656]

Excellent ! Appreciate the service you're doing to the society. Thanks a lot !

[@ashariprasath9111]

Well explained sir,you really cleared the myth of Term insurance.Thanks a lot👍

[@fulmoon72]

Bravo, simple and straightforward. Great initiative. Thanks

[@Maranchezhiyan]

THQ so much sir ,eavlo payreya vesaitha Simple solitena

[@rameshkunalan5470]

Boss the way you are communication is amazing

[@prabagaran.s1285]

Finally clear shout 👍 on the insurance , , nenga vera level

[@ukeshchandrasekar895]

Hi sir ! I don't know how to express my gratitude to u . Honour your efforts in sharing ur knowledge.!!

[@keerthivasan1245]

I thought to take term insurance and now i got clarity. Thanks for sharing this content. Thank you so much Sir

[@radhikalyan23]

Beautifully explained. I like your videos as they are short and crisp to the point. Thanks a lot!

[@InvestmentInsightsTamil]

Glad you like them!

[@shanthir7741]

You are an eye opener Sir. Thank you so much. 👌

[@yestamilselvan]

Mass thala..!!! I never imagined that I'll be addicted to such financial videos. Articulated explanations, succinct videos and above all they are from self proven person!
Greetings from Germany 🇩🇪

[@chetwilllydada1189]

Understood things very clearly
Thanks a lot sir

[@dhasaiyansivaraman4305]

Very good explanation Thank you very much sir. very useful video

[@nagarajukarnam1820]

Awesome knowledge n crystal clear explanation

[@yuvarajyuvi2644]

Recently I viewed most of your videos. And I suscribed too 😉. They are just awesome 😍. Thank you for your time and effort. It will really help lot of us.

[@user-ev9fn5rp1f]

Verry good explanation sir thank you so much

[@KumariJNSG]

Very well explained sir.. As usual Crisp and clear 👌

[@sparkersclubesports5743]

You are a gift for society, really appreciate

[@hemanthkumarpadmanaban7531]

excellent sir. Thank you very very much. This video is such an eye opener 👏

[@harisnija]

It's really good sir, now I know the difference, thank you so much sir 🙏

[@arunseven007]

Vera level explanation sir. I'll surely share this to my friends.

[@raja03able]

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

[@Chrlprb]

Great video sir.. more people will be benefited from this.

[@abdulwahidooty4552]

முக்கியமான தகவல் நன்றி சார்

[@pskgandhi]

Excellent, well explained.

[@Ramanansureshchem]

Very very nice valuable video sir. After this video I have purchased a term insurance. If you make a separate video to explain how to buy a helth insurance, it will be very useful sir. Thank you so much for the service you are doing.

[@radhasrinivasan7901]

Very clearly explained.

[@futuretech8762]

Your advices are much appreciated

[@gopisrinivasan9459]

Crisp and clear.. Sir 👌👏👏👏💐💐💐

[@anandchandrasekar5253]

Nice explanation sir, crystal clear..

[@prabhuvelmurugan5301]

Late in the party, but definitely an eye opener. Appreciate the efforts!
One of my friend referred your channel a year ago and missed it somehow. I am watching all your videos now and it is of immense help. Thanks is just a small word for all the good work that you have been doing!

[@rivasmad]

Excellent Explanation

[@silango5679]

Sir, superb explanation for term insurance.

[@karthickraja1760]

Thanks for the Eye Opening session Vijay Sir. I would always feel that the essence of Insurance purpose would be lost by the policies they are providing along with the Savings Scheme. Now I am Exploring the Suitable Term Insurance :)

[@InvestmentInsightsTamil]

Great to hear that.

[@ramv9589]

OMG... இதைவிட தெளிவா விளக்க யாராலும் முடியாது ....
நீண்ட காலமாக எதை வாங்குவது என குழப்பத்திலேயே எதையும் வாங்காமல் விட்டுவிட்டேன்(yes bcz of high price).
எனது குடும்பம் எனது வருமானத்தை மட்டுமே பிரதானமாக வைத்து இயங்குகிறது. எனக்கு ஏதேனும் என்றால் என்ன செய்வது என பெரும் நேரம் குழம்பியிருக்கிறேன். இப்போது நன்றாக தெளிந்திருக்கிறேன்.
எனது நன்பர்கள் மற்றும் உறவினர்களுக்கு இதை நிச்சயமாக கொண்டு செல்வேன்.

[@rathimeena100]

Very Good video, sir! Requesting you to give information on Health insurance + the best health insurance companies in the market. Thanks in advance.

[@sathishkumarthangavel]

It is an eye opener !! Thank you :)

[@iammohanasudhan]

Clear explanation Sir. Thank you

[@aniruttha.r7556]

This video is very useful. How buy best health insurance sir.. Pls share that video sir

[@oomaigalthesam4013]

தெளிவு👌🏻

[@manjiniarul7192]

sema explanation! talk of experience!!

[@rajeshrajesh-xy4uc]

I have subscribed your channel recently, and all your vedio's are very simple and very informative sir 👌👌👌💖

[@Mehendi_by_indu]

Amazing content sir 😮 never thought this way

[@PraneeFromUS]

Anand Srinivas and You are open without any strings attached..!!

[@madam1317]

Very useful information sir 💐

[@kanagaraja3248]

Superb sir.... subscribed...!

[@gokhulls1573]

Well Explained, Master, U r eye opener for us

[@raja03able]

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

[@ragothamanrajesh7808]

Thalaiva you are great …

[@ramharitham]

Nicely explained. This was so informative

[@InvestmentInsightsTamil]

Glad it was helpful!

[@sanjivkumar-pn8lr]

Sir fantastic explanation 👌👌🏼🙏🏻

[@mysairam1894]

Thank you so much Sir for this eye opening video. You really taught us the seriousness of life insurance. We are currently in USA and would like to know some good companies offering term insurance for ten years since we are planning to return to India in ten years.

[@InvestmentInsightsTamil]

Check out term4sale.com and go with any company that has excellent rating.

[@priyajanagu8257]

Well explained Anna.. Thanks for sharing this information.

[@raja03able]

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

[@leo7411]

Nice information please tell as about the health insurance also

[@saravanakumarsivasamy7933]

Please do a similar video for US as well. Also suggest how to choose different term plans, ways to save them. How to transfer to beneficiary, etc. I would like to hear along with your thoughts. I am eagerly waiting for it. Please consider this, it'll be a great help for Tamil community in USA.

[@shanmugarajrajamani1890]

Well explained sir

[@deenathayalan9169]

Wonder explanation sir

[@sivatec7852]

Wonderful explanation.👍🙏

[@raja03able]

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

[@kamaladasanm9441]

Very useful sir

[@senthilkumaran52]

சார், நீங்கள் சொல்வது 100% உண்மை, உங்களோட ஐடியா 10 ஏர்ஸ் முன்னாடியே கிடைருந்தால் நானும் இப்போ கோடிஸ்வரன் ஆகி இருப்பேன், நீங்கள் நீடுடி வாழ வேண்டும் ஐயா.

[@shashashawww]

Nice explanation!!!

[@raja03able]

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

[@jjeevanadhithya1812]

Useful video

[@krishna-rn8tr]

Wow... Wow... Wow... Awesome... Thank you

[@raja03able]

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

[@syedibrahim1345]

அருமையான விளக்கம்

[@raja03able]

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

[@jaffera3756]

Excellent sir...

[@raja03able]

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

[@jeraldrajesh2044]

This video can change Innocent investers from trap👍👍

[@kpravikumar-su1yf]

உண்மை சார் நான் நிறைய பாலிசி போட்டுவிட்டேன் அதை இன்வெஸ்ட்மென்டில் போட்டு இருந்தால் பணம் ரெட்டிப்பாகி இருக்கும்😂😂

[@amirthalingamvignesh4181]

Great information - thanks alot , is there any way to find best term insurance in India

[@prabp9666]

Thanks for the info sir!!
What do you suggest for visa holders ? Buy from both places ?

[@pugazhkrishna1522]

Good explanation. I too follow the same method. I think the two dislikes come from "Agent" 😂.

[@RamSay-do2uh]

Thanks for explaining nicely sir, big fan of you. I have a question, which premium paying term is profitable to me as a 29 year old - single payment,

[@saravananr9370]

Term insurance ஐ எந்த company மூலம் எடுப்பது சார்.. நல்ல நிறுவனத்தை தேர்வு செய்வது எப்படி என்பதை ஒரு வீடியோ வாக பதிவிடுங்கள்..

[@suunapaana2065]

நன்றி தல 🙏🏻

[@nowfalmohamed1066]

Sir, pls talk about health insurance

[@manigandanayya1778]

Sir
Kindly add a video for health insurance

[@kowshik613a]

Hi sir..Also please share your thoughts on health insurance.

[@baba31183]

Hello sir ..vanakkam ..Thanks for your inputs..Can you please suggest the good and term insurance conditions in USA if possible?
Thanks

[@rgsivacts]

Excellent Sir

[@raja03able]

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

[@chandraprakashmc7741]

Sir simply, extraordinary.. understand to a layman ❤️. One point here if a person like me already purchased a endowment policy what should they do.. pls clarify and answer sir... Because I have took it 5yrs back and it's an 35yrs policy and my age now is 30 paying yearly 21k.. pls clarify sir..

[@InvestmentInsightsTamil]

See if you can surrender it early and buy a term insurance instead.

[@vasudevansivalingam8494]

I did all the nasty things whatever you’ve mentioned as mistake. I’m just started planning well based on the points you’ve given here. Great info 👍 thanks Vijay.

[@InvestmentInsightsTamil]

We all make mistakes. But we learn as we go... :)

[@raja03able]

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

[@bharudayscooking]

Thanks sir

[@chiranjivi005]

sir, can you please advice regarding best term insurance scheme currently available in india. Or, at least help us to filter the best one.

[@user-gu9bp2cz2r]

Wow.. appreciate..

[@deepakj6546]

Health insurance pathium konjam pesunga sir and unga full videos paathutan semma knowledge kadachithu athuku romba thanks sir ❤️

[@InvestmentInsightsTamil]

Glad you liked the content. Health Insurance is in my To Do list.

[@raja03able]

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

[@sabais3267]

Yes sir ur right i got pure term plan in 2018 ...just 408 rs for 33 yrs with sum assured 50 lakhs..

[@rsanjay87]

👁️ opening content! RIP for ULiP and Endowment policies and agents 😂

[@pandiyansampath8552]

Sir , Thanks for useful video. Can u put video on medical insurance policy??

[@InvestmentInsightsTamil]

It is in my To Do list.