Term Insurance in Telugu Ultimate Guide | 2024 Best Term Insurance
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- Опубликовано: 17 июл 2024
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In this Video we have provided a complete knowledge about Term Insurance and answered most of the Queries about term plan, our viewers have. This video will be helpful as guide for buying Term Insurance. Do watch the video till the end and don't forget to share the video with your Friends and Family.
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Thanks for watching..
Team Money Purse
00:00 Introduction
02:02 How much Sum Insured one must select? & the age till should be covered?
05:03 Till what age once should get the Cover?
06:42 What should be done to enhance the Sum Insured?
09:38 Which is the Best Premium Payment option to be selected?
15:24 About MWP Act?
17:10 The importance of Riders
19:35 Parameters to check before selecting the best Term Plan?
22:34 Comparison of Term vs Wholelife?
25:55 What if we get diagnosed with some critcal illness after buying the term Plan?
27:44 Can NRI buy a term Insurance Plan
28:00 does the term plan bought in India covers the risk happened in other countries to the insured?
28:34 View on ULIP?
30:42 What is the best age to buy Term Plan?
32:12 Can Students buy Term Insurance?
32:23 Can we buy term Insurance for the parents who crossed 60yrs of age?
33:17 Does employees need to buy term insurance as they are covered by the employer?
34:03 Things to check once we bought the Term Insurance?
You can compare Term Insurance here 👉
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Find the link below 👇to download IRDAI Annual Report and the Ratios
irdai.gov.in/claims
irdai.gov.in/annual-reports
I took two term insurances in the years 2017 and 2022. I informed to second insurance company about first insurance. But I have not informed to first insurance company about second insurance. My doubt is that shall I inform to first insurance company also?
@@sanjaysamhitha3835 no need. You need not inform 1st insurer about 2nd insurance
Thank you so much for all your efforts. I see that in video you mentioned about top 5 insurance company but didn't list them. Please list the top 5 company
I'm working in a reputed MNC company, Recently purchased 1Cr term insurance, if sudden risk happened me, will my family get both term assured from my company as well as from my recent term which I took after watch ur videos?
Also, how much total sum assured can one person have altogether for all insurance that he had
Thank u Team, very good information. Sir, my sister Grovement teacher but she is physically challenged she is eligible to take Term Insurance....?
Happy to see both of you on the screen
Now, want to see all 3 in single screen ..
@@udaybhaskarraokandiyana8507who 3rd?
ప్రజలకి మేలు చేస్తున్న మీ అన్న తమ్ములు ఇద్దరికీ మా దీవెనలు
Key points:
Sum assured - Take 15-20times of your current annual income
Regular or limited time payment - If you are disciplined better to take limited time and invest the balance in index fund.
MWP ( married women..)
Critical illness
Accidental death and disability rider
Suggested tenure 70-75 years
Term insurance - premium is locked and will be same across the period. Hence, better to take early..
Must review the policy document within 15 days of free lift period for ensuring safety
Can you suggest best term insurance company
Thx bro
Vellani yela contact avvalo office address telistey konchem cheppandi bro pl
@@santoshchintakula7754Tata aia
If you are disciplined then you can take regular payment option and investment the remaining amount in index funds!!
మీ ఇద్దరూ అన్నతమ్ములు ఒకే ఫ్రేమ్ లో కనిపిస్తుంటే చాలా ముచ్చటగా వుంది అన్న ❤❤❤
అన్న తమ్ముళ్లు చాలా చక్కగా వున్నారు❤
Gas voddu
@@ShivaKumar-xm7jk నీకు అక్కర్లేకపోతే మానెయ్...
Good to see both of u in one frame and please do detailed video on health insurance as well. Thanks in advance!
Note:
I appreciate the way you have framed it..... Additional policy theskunte ala share cheyyaru HLV ani untundi per head adhi calculate chesi issue chestharu and customer existing policy unna kuda issuance process lo trigger ayyi policy issue eh avvadhu
Ultimate Guide in a true sense. Best video on Term Insurance I have ever watched. Thank you
Chala mandhi money ki iche importance relations ki ivvani ee kaalam lo meeru ila kalisi undadam chala chala muchataga undhi. Happy to see you both on screen 😊
Yes,Really same feeling to me.
So nice to see you both on one screen ❤
Sai garu the best advisor. Very good explanation Sai garu
చాలా మంచి ఇన్ఫర్మేషన్ ఇచ్చారు మీరు కృతజ్ఞతలు. మీ వీడియోస్ మాకు అంత హెల్ప్ ఫుల్ గా ఉంటాయి.
When looked at the Thumb nail first, felt like Double action Movie.😀. Happy to see you both at the same time. Thanks for the efforts.!!!!
Happy to see you both on same screen at a time ,yes we need video on health insurance too
టర్మ్ పాలసీ గురించి చక్కగా విశ్లేషించారు. ధన్యవాదాలు 🙏
Hi Team
Thanks for your effort to educating us on financial knowledge
Kindly do it on health insurance include NRI health insurance as well
Hi Sai garu and Chandu garu
Highly informative content. I can surely say that nobody would be able to provide the information as clearly than this.
Keep up the good work MP team...
Chala baga chepparu andi thank you .
Chala detailed ga explain chesaru
very informative video andi thanks a lot 🙏
me brothers single frame lo chudatam chala happy ga vundhi...
u both are doing great service...tq
Thanks brothers for making us aware of the hidden facts behind term insurance.. please do a video on health insurance too..👍👌
Hi Money purse team,
Thank you for FAQ's on Term Insurance 🥰🤝.
Please also for FAQ's on Health Insurance😊
Yes please do a video on difference between life insurance vs health insurance vs term insurance.Who can take which one and pros and cons.Thank you both..your knowledge sharing is much appreciated.Thanks alot.
సరదాగా మాట్లాడుకుంటూనే, చక్కని ఇన్ఫర్మేషన్ ఇచ్చారు.
Yes we need similar F&Q vedio on Health Insurence also
Happy to see both of you side by side ❤
Good to see you both together in one frame ❤
Good to see both of u in a single frame❤❤
Good to see both of you sharing the screen at a time
Ide comment cheddam ani vachha bro.. you already done good.
Entire session is going smoothly....😅Need more such interactions big brothers.
Wow.. Happy to see both of you in screen sharing.. It is reminding us chiru and Pawan Kalyan bros
Dear Money purse, thank you for the useful videos. Please can you answer my question here: should we surrender the unwanted endowment policy or do we need to convert it to paid up? Please advise and explain in detail, thank you.
Thank you for all the help you’ve have been doing… Yes we need video on Health Insurance as well
Most welcome and noted
Health insurance also
We need Health insurance video as well
Dear Sai garu.
You give lot of good information to viewers about financial products. Regarding Term Insurance limited payment term options has its own advantages.
61st month Persistency of insurance products is around 50% hence it is better to pay for limited period and Have peace of mind for the rest of the term.
80% of customers will not have the discipline of savings for 30 to 40 years in Mfs.
12% return is always not possible for long period where economy is growing very fast. Etc.
100% correct andi. Those who have a disciplined mindset for them Regular payment is best.
Those whose job is not safe and not good in managing money for them Limited premium is best andi
Excellent explanation brothers...I am waiting for so many days on how to take term insurance. It is very useful and important to all.
Wonderful explaination anna..gems for telugu community...will be remembered for generations for this commitmnt and hardwork
I see a problem with limited premium calculator logic. In the example you used, you did not consider negative savings from year 16 onwards. If we have saved 7,027 every year, we would expect the accrued corpus (2,93,400 assuming 12% returns) to pay my premiums from year 16 onwards.
So, you should be having the differential value of -10,796 from year 16, to get the correct picture.
Overall, I do agree that the rate of interest that works out is very less. Also, in case of eventuality, nominee gets this corpus and insurance claim. In case of limited payment, insurance company keeps the corpus and pays only insurance cover.
Hi @MoneyPurse team. Here in this video in the excel calculator, you have taken into account the differential value as an investement for 15 years, which would generate somewhere around 87L in 45 years time. But should we also consider investing the 10,796 rupees (or invest the difference in total which is 2,18,475through STP) which we would not pay after 15 years in case of limited time pay. That corpus would be higher than 87L .. this is just my guess. Can you please calculate that too, just to be double sure. I hope you will answer this question
no they will not answer this question... very very bad part of money purse do proper research
Wonderful information. Thanq so much for such great explanation
Most liked video, helpful for many viewers, thank you! Generally, I only click LIKE button to any video but I'm sharing this video in my circles for sure.
Really awesome video. kudos to MP Team. Thanks for your efforts delivering very very good content. Please do FAQ VIDEO on Health Insurance also.
I have one question regarding term insurance. In order to enhance the term insurance sum assured, Need to take new policy. My existing insurance lender is good. Can i take new term insurance with existing vendor or new vendor?
Meeriddaru okkate anukunna inni rojulu !!😂😂😂
How ?
Me too😂
Manchi vishayalu chepparu tks
Good afternoon sir, your analysis is excellent,and also ur relationship is long live.🎉
Health insurance vedio cheyandi... bro
Good to see you both in one frame
Great video 🎉!!
Also it is very important to mention about the term insurance policy purchased with the family .
Hi brothers thanks for the most insightful session and thanks to the team. Request you to do a session on health insurance too. 🎉❤
Bro, very good and informative..
Can you share some info on NPS (National Pension Scheme)?
I have taken but need guidance on whether we can increase sum or not from Employer side.. (eligible upto 10% of basic)
NPS there is nothing called SUM. You can invest in tier 1 or tier 2 accounts. Depends on selection (auto / active) choice and capital invested you will get return.
Salary/expenses increase ayyite cover increment gurinchi kuda cheppalsindi sir. I heard something about it but forgot.
Ofcourse i just saw the time stamps and still watching the video.
We did covered that question please do checkout
which insurance it is ?
@@tiny3241 I asked what if salary/expenses increase after taking term insurance. They said they covered that point in this video.
You can opt for increasing life cover so it will increase your sum assured year on year
Thank you Anna you clear some many doubts thank you Anna
Thank you both very much for the most valuable information shared in this video 👍🏻👍🏻
Pls do similar video for health insurance
Sure andi
@@MoneyPurse term ki life insurance ki diffrnce chepandi
Hi Sir, I have taken out term insurance this year, selected the limited pay option, which is 12 years, and paid only 1 year's premium which is 33k. As I understood from your video, regular pay is a better option than limited pay. Could you please suggest what I need to do now? Can I continue this term insurance until next year and cancel it as I have already paid the premium for this year, or once I cancel this policy next year, can I take the new policy with regular pay?
Please suggest me. I appreciate your suggestion.
+1
thanks for detailed explanation. it really very helpful in understanding types of insurance models and choosing the good one
After watching this video, I got a lot of understanding about term insurance. Also make a video about health insurance sir, please
Thanks for giving more clarity on the term insurance.. recently in March 2023 i have applied for term insurance for 2 cr in Bajaj, but the medicals done by TPA were not uploaded and it got dragged till this week and after multiple follow ups no progress in issuing the policy. I experienced the worst services from Bajaj and i asked them to cancel it. They took the expense charges around 2k+ and refunded the remaining premium amount paid.. so i request everyone to be careful while applying the insurance please ask the charges by the insurance company if the policy is not issued due to various reasons.. Sai garu does insurance company reports these premiums amount as well in their quarterly results earnings
Yes others category lo ilanti miscellaneous revenue streams untay
Hi andi, Most of the companies will refund full amount with out deductions. Pls speak to their customer care for that 2k deduction mostly they will refund that amount too. I work in this industry as per my knowledge all companies paid full amount when they cancel. Even bajaj also paid fully
Sai garu on line lo insurance tesukovacha claims daggara em problems undava
@@saimahesh456 sure Mahesh garu
@@dayanandamboddula3512 For genuine claims online or offline both are same andi. But during claims most of the companies want to reject the claim by showing some silly reasons at that time online policies companies will not support you much. If you have taken this policy with an offline financial institution then they will help your family during the claims andi. My suggestion is to go with financial institutions
My annual income is below 3 lakhs.
No itr నాకు వస్తుందా టర్మ్ ఇన్సూరెన్స్
Yes, if you can show your Salary slips you will get cover
@@MoneyPurse anna policy 75yres petamu manaki emi avaledhu. .. Taruvta 80yrs varaku vunaru...so valaki term insurance waste aynata valaki
It is very useful information
I cleared all my doubts. 👌
Naku unna chala doubts clear aienave sir , Thanks
IRDAI links share cheyyande anna
The link are available in the description andi
Amazing video. A complete guide to Term Insurance. Please make a video on Health Insurance and request you to cover Health Insurance for senior citizens
Great work MP team and awesome combo video with brothers conversation ❤
Most of the common doubts regarding this matter cleared
When I am seen you both in same screen i get a little smile on my face, looking good 😊
Hi Sai garu elaa unnaru .... meelanti manchi vaallu eppudu happy gaa arogyam gaa undali... please concentrate on your health... Fit gaa undataniki try cheyandi.... meeru eppudu arogyamgaa undali
Cleared each and evary doubt on term insurance. And also do the same on health insurance
Nice explanation sir's...
I have one doubt
What is the difference
Between
Claim settlement ration and Amount settlement ration...?
oka paragraph la kakunda questions and answers wise video superb... thankyou so much
Best term reference video sir...thanks for clearing all doubts..pls make a video on health policy
Very very useful and thank you soo much brothers
Happy to see two genius person nd genuine persons
Kudos to the entire team!
Thanks for the great information.
Thank You Sir, Very Good Massage Sir 🙏
Useful video clarified all doubts in a single video thanks
Good to see both of you in one frame :)
First time came to Chanel and get the valuable stuff .. I really say to thanks for both ❤
Nice ga cheparu sir thanku
Thankyou very much 🎉🎉🎉🎉 to both of you brothers. Good to see you in one screen 🤩
Absolutely! Here's a polished review for your session:
I had an exceptional experience during my recent session where I sought information on term insurance. The guidance provided was comprehensive and insightful, addressing all my queries with clarity and precision. The detailed explanations helped me understand the intricacies of term insurance, including its benefits, different types, and key considerations when choosing a policy.
Moreover, the recommended video was incredibly helpful, offering a visual and easy-to-follow breakdown of the concepts discussed. This combination of thorough answers and an informative video made the session highly valuable. I'm thoroughly satisfied and feel much more confident in making informed decisions about term insurance.
Thank you Sai Garu and Team
Superbly explained bhayya...👍👍👍👍👍
All discussed points are excellent. It's helps a lot . Thnq so much
Tq sooo much both of you for detailed explanation. Yes sir we want detailed video on health insurence
Very insightful video. Thank you for Money purse team for such precise and value information 👍👍👍
Thank you so much both of you for valuable information and kindly provide health insurance FAQ.
Thank you Sai patri gaaru -Prithivi
Very informative and enlighting lecture. Thank you very much.
Great moral value oriented people .very useful information you have shared. Thanks for the quality Information.
Sai Garu Namasthe
Term insurance theesukovadaniki oka person compulsory erner ga undala leka yevarikyna isthara. Eee doubt chala mandhiki undi kani agents mathram earner ga undalani rule yemi ledu antaru. Kani meeru ayithe correct ga cheputharani aduguthunnanu. Dayachesi ask money purse lo answer theliyacheyandi andhariki upayoganga untundhi.
Srinivas.
Dhanyavadhamulu.
FAQ on Health Insurance....this video amazing first attempt in telugu youtube channel..Great Effort Brothers
Now everything is cleared my doubts,,, Thank you for your explanation
Yes brother.. health insurance video also similar to this is needed
Excellent efforts..full information available...pls tell those top six company names and where u have taken term insurance
Very good analysis thank you to both sir
Mimalani Ila oke screen lo chudadam chala bagundi annaya 😊
Thanks for sharing good knowledge. Please do video on health insurance as well. Thanks!
Thank you Money purse 👏 for detailed information. Please create a video of Health Insurance Q& A... ❤️
Nice and useful information 👍.Thanks
Thank you for explaining broadly
Awesome information, please make Health insurance FAQ too.. Thanks