मैंने अपने term insurance मे regular mode लिया है, (yearly payment). और इसे अपने bank account पे ECS के जरिये जोड़ दिया है, due date आते ही अपने आप bank a/c से premium कट जाता है, याद रखने का एवं policy laps होने का झंझट ही खत्म 😎😎
Nishkriy aay aur nivesh ke baare mein baat karante hue, main ab protsaahan kee prateeksha nahin kar raha hoon jaanchen Kyonki main $38,000 kamaata hoon haal hee mein har 11-12 dinon mein l
@Jeff Wayne Mainne keval apane aap ko ek behatar bitcoin brokar ( Expert Olivia Baker) khojane ke lie kiya tha, ab main haal hee mein har 12 Dinon mein $38,000 kamaata hoon.
It is always advised to go with regular premium and don't think much of it. This is not an investment plan that it will give you any return, it is your life insurance. If you have excessive amount then you can invest that in some other assets where you can generate some good return in long run instead of paying all to insurance companies. If you are going with regular premium and in case of death, your premium will be stopped immediately and the nominee will receive the sum assured amount then and there. So please don't fall into the traps of limited pay or single play options.
Hello mem HDFC CLICK 2 3D PLUS PLANE. Liya hain. Meri payment me on-line har mahine due date ke pahle pay karta hoo. Isko me yearly me convert karA sakta hoo
Hello Ma'am You have not mentioned anything about Tata AIA term plan. Claim settlement ratio is high compare to others in current scenario.expecting something about it from your side. Thanks
Mam kya ek person two or more term plan alag alag company ke le sakte hai kya.1cr ka ek company ka na le kar 25 25 ke four different companies ke Li sakte ha kya.only for is any one company reject the claim. Mam please answer
I buy HDFC life 1cr for me on Limited pay of 10 years for 75 years of my age and i pick this option as i dont want to pay my premium for a long time and it has less risk of policy laps as compare to regular pay option.
@@mehulkumar2930 already watched but I purchased the policy in 2018 befor he upload the video 😄. Now just 7 years to go. But buy a 2nd policy with regular pay options.
Term insurance is to cover the shortfall of income for your family when you are not alive. So its always advised to take term insurance till retirement age (60yrs max). No point in taking term insurance for 75yrs. Also term insurance should be 20-30x of your annual income.
Mam, aegon life I turm plus plan with critical illness rider, aur turm insurance me critical illness product health se related hai to portability kyo nahi hoti.
Swati Mam, My age is 40 and I want to take term insurance regarding this I had applied HDFC Life for 50 L but my application was reject for base of salary then policy bajar told me for buy pnbmetalife insurance. So can you guide me for this insurance company, I can buy policy for this company or not
Hi Swati Mam.. Asking this question as Newbie to all this things..and want to learn more. I am 22 yrs old working in Private Firm. My firm offers me Health Insurance apart from that i am planning and constructing my retirement corpus while investing in MF. Wanna know how this Term Instagram can help me. And what are benefits. And apart from this what are the possible investment areas or instruments a new working class should seek in to have a better financial independency. Thanks in advance for your answer 😊 Looking forward for your valuable advice as always.
Hi mam I am a big fan of u 😊 I have allready aegon term insurance, sum assured 25 lakh with additional accidental rider of 18 lakh from 2017. Want to increase my term cover. ICICI , HDFC term company offered only 50 lakh cover as my annual income and MAX Life offered 50lakh-1crore with increasing term cover .all companies are quite good with solvency ratio and claim settlement ratio. #Max life insurance is a joint venture with axis bank. Q)1--should i go with max life insurance? Q)2-- should i go with monthly or half yearly or annually premium?
Thanks ma'am ❤ I have just purchased at 38 year age1cr plan paid two month premium also but while purchaing i have shown plan of normal term plan 1700 monthaly or 27258 Rs yearly without rider 40 years and 12 years pay limited 5352 monthaly or 61926 Rs approx return premium 6,69,313 in lakh Rs for 4% with rider after 40years. i have choose return premium. And traped. Now after watching video may be i will cancal term plan Tata aia smart raksha plan. & Purchase only pure term plan no need return. Remaing amount invest other SIP,MF,plan sbi contra like. In how many days we will cancel policy..for refund
Agar return of premium option hoga toh milega .. par premium thoda jyada lagega .. Aur critical health rider lena hi chahiye .. agar blind hua .. ya apang hua .. ya koi badi bimari Hui to .. aapko lump sum claim mil sake treatment ko bhi ..aur pariwar chale me bhi .. Agar aapka heath insurance ho phir bhi Lena chahiye .. Jyada nahi pay karna padta .. rider ke liye .. Critical health rider ka claim sirf diagnosis pe hi mil jata hai .. bahut sare plans me .. jaise .. i protect smart by ICICI.
Hello Madam. Aaj kaal online policy lene se policy provider/ insurance companies policy documents ka only soft copy provide kar rahe hai. Hard documents nehi de rahe hai. Kya ye future me mere family ke liye koi samsya ban sakta hai?
Please buy annual regular term and till 65 years only...because if u buy till 80 years maybe your children feel 1 crore is moving around the house and when they are in need of money may be they kill you...so no need insurance in old age...thank you.
No.. it never happens like this .. If killed by wrong intensions like policy claim.. the claim is get rejected .. also on suicide .. And only paid after thorough police investigation..
i think full time pay is best option for term plan, but for his premium payment you have to fix the deposit of 1 time pay payment and his interest amount to pay his premium.
Good evening madam, agar ham 10 sal ka option ka paisa khud se mf ya market me yrly premium ke hisab se Lagaye aur regular premium bhare to after 10 yr jo paisa banega usemese hi premium bhare 30 yr to bhi bahut Sara rs bachega aur time jese badhega regular premium bhi hame kam hi lagega.
Hi Madam, Thank you for your clarification, have taken regular premium term plan, the difference of One time Premium amount invested in direct equity market. Though it is risky for retail investors to invest in such a volatile market. But for long term hoping to get better return. Please evaluate based on your analysis. Thanks
क्या 8 साल प्रीमियम देने के बाद भी टर्म प्लान का क्लेम रिजेक्ट हो सकता है, यदि हमने कोई छोटी बीमारी छिपाई है और उस बीमारी से हमारी मृत्यु नहीं हुई हैं , मैंने 8 साल का प्रीमियम तो भर दिया , अब टर्म प्लान बंद कर दू या चलने दू ? या नया प्लान वापस लेकर बीमारी बता दू क्यों की Section 45 of Insurance Act 1938 ये कहता की 3 साल बाद क्लेम रिजेक्ट नहीं होगा PLEASE HELP
Hello mam, my age is 24 ... Maine hdfc life ka term insurance liya h... Jiska prem. 1460 rs per month h for next 41 years... But agr mai limited pay use krta hu next 28 years tak to mera prem. Only 13 rs extra h.. 1473 per month hoga... To mere liye kya choose krna thek hoga..? Plz suggest
नेगेटिव पिन कोड यानी कई कंपनियां किसी शहर को नेगेटिव एरिया में डाल देती हैं, पॉलिसी नहीं ले सकते हैं। इसकी वजह क्या हो सकती हैं ? शायद उस शहर में लोगो की लाइफ लिविंग कम हो जैसे अधिक फैक्ट्री से पॉल्यूशन, साफ पानी की कमी, खराब हवा आदि। आप बताए क्या हो सकता हैं। इसके बीच अगर PNB MET LIFE INSURANCE कंपनी 32 साल की उम्र से, 5 लाख की वार्षिक आय पर रु 1115 के मासिक प्रीमियम पर 1 करोड़ का टर्म प्लान इंश्योरेन्स दे रही हैं, कैसा रहेगा..अच्छा या बुरा...?
Term plan mai Income se jada cover lete hai tho claim dete samai company konsa income consider karegi. For example my current annual salary is 4L * 20 time's tho mai aaj 80L tak cover le sakta hu. Maine 1cr or 2Cr ka liya. After 5 year's my annual salary is 10L or 12 L. What's companies T&C on this pl review on this thank you madam
Hi mam my age is 33 year, i have purchase hdfc term plan in 2019 feb after that in march i got hypertension problem and medicine treatment is going on ,my question is that if policy buyer is get detected by hypertension or diabetic, then buyer need to inform the insurance company or not and will it the reason for claim rejection in future.or i need to cancel existing policy and do fresh policy with on going medical condition. and one more thing is that my policy term year is very long i need to decrease it coz my premium payment will reduce please explain me what to do.
I am buying term insurance, as a payment mode i wanted to select a regular monthly premium, but my fear is that I could miss the premium which may lead to policy lapse. to avoid that I am searching for a solution something like, to block the amount in the bank account only for this premium OR I could maintain some cash flow from some other source to this payment mode on the date of payment. But I am not sure whether is there any provision like that from the bank! am stuck here Please help me if know any solution
Bht badhiya... Same yhi sare mere questions the... Jo ki mujhe aapse mil gaye... Thank you very much 🙏
Bahut logo ki video dekhta hu, pr itna clearly kuch hi log smjha pate hai, very informative video.
मैंने अपने term insurance मे regular mode लिया है, (yearly payment). और इसे अपने bank account पे ECS के जरिये जोड़ दिया है, due date आते ही अपने आप bank a/c से premium कट जाता है, याद रखने का एवं policy laps होने का झंझट ही खत्म 😎😎
Dhanyawaad Swati wealthy😄 madam!!!
Beautiful madam
Maine icici Ka 50th lakh ke ley monthly plan liya hai🙏🙏🙏
Thanks Madam
I have purchased Limited Pay option for 5 years. Because my job working is limited year.. so paying 5 year is better for me
Nishkriy aay aur nivesh ke baare mein baat karante hue, main ab protsaahan kee prateeksha nahin kar raha hoon jaanchen Kyonki main $38,000 kamaata hoon haal hee mein har 11-12 dinon mein l
haan main bhee, main jaanana chaahata hoon ki aap chand dinon mein itana paisa kaise kama lete hain.
@Jeff Wayne Mainne keval apane aap ko ek behatar bitcoin brokar ( Expert Olivia Baker) khojane ke lie kiya tha, ab main haal hee mein har 12 Dinon mein $38,000 kamaata hoon.
@Alexandra Torres aapako use WhatsApp par likhana hoga;💬👇👇
±𝟏𝟖𝟒𝟖𝟐𝟗𝟕𝟎𝟔𝟑𝟐📞
haan, yah sahee hai, bitakoin treding ab onalain paise kamaane ka ek bahut hee aasaan tareeka hai.
Thank you Mem
Superb information
Bahut accha laga
It’s great ma’am
सरल शब्दों बहुत अच्छे से समझाया स्वाति जी👌👌🙏🙏
Good suggestion
EMI month lena chahiye ya yearly
Please reply
Thanku
Your video is really helpful for me to decide, which payment option I should pick.
Thxs mam giving good knowledge
It is always advised to go with regular premium and don't think much of it. This is not an investment plan that it will give you any return, it is your life insurance. If you have excessive amount then you can invest that in some other assets where you can generate some good return in long run instead of paying all to insurance companies.
If you are going with regular premium and in case of death, your premium will be stopped immediately and the nominee will receive the sum assured amount then and there.
So please don't fall into the traps of limited pay or single play options.
Good knowledge sharing.thank u mam
Thank u mam .good knowledge
Very nice information ma'am. Thanks
Beautiful presentation
Thanks madam
I will choose regular premium.
I am your big fan swati G maine HDFC click 2 protect 4 years ago hi liya hun jiska premium annual mod mein hai
Continue kare
Many thanks mam.. BW. R
Hello mem HDFC CLICK 2 3D PLUS PLANE.
Liya hain.
Meri payment me on-line har mahine due date ke pahle pay karta hoo.
Isko me yearly me convert karA sakta hoo
Talk to hdfclife customer care
Good
Mam,
Regular pay me term insurance ka preimum nhi bharna padega yadi insurer ko khuda n khasta kuch ho jata hai tab..
Very good job madam god bless you
Thank you 🙏
Great vedio mam
Dear mam please suggest in best tram plan my age is 40 yera my budget early in 12 se 15000 PPT 20
Very nice video mam
Lic la term plan with waiver off rider kya sahi rahega till my retirement age
The video is very informative
I bought a policy of TATA AIA Smart Sampoorn Raksha plan. Is it right policy for term including return. Plz advise.
Hello Ma'am
You have not mentioned anything about Tata AIA term plan. Claim settlement ratio is high compare to others in current scenario.expecting something about it from your side.
Thanks
Claim settlement ration is good beacause no of customers are less as compared to LIC.
@@akshaybaser5494 True but LIC plans are costly as of now. Specifically term plan.
Nice info..
Mam kya ek person two or more term plan alag alag company ke le sakte hai kya.1cr ka ek company ka na le kar 25 25 ke four different companies ke Li sakte ha kya.only for is any one company reject the claim.
Mam please answer
Yes
Apki smile mam sukkon wali h
Thank you so much Ma'am..
Very nicely explained..
cover jyada age ka lene k fayade or kam age ka lena ka fayde batao.
Pls confirm
Monthly better
Or
Yearly payment better mem
Regular payment
If health insurance avl the. Which riders better
Meri age 29 hai health plan and term plan konsalu
Very useful information in all aspects
Very well explained ma'am.
Swati ma'am , looking so beautiful. An excellent video 👍👍👍👍👍 Most informative video. Thanks for video 🙏
I buy HDFC life 1cr for me on Limited pay of 10 years for 75 years of my age and i pick this option as i dont want to pay my premium for a long time and it has less risk of policy laps as compare to regular pay option.
You should've opted for regular premium and made profits with the extra money bro :))
Watch LLA video on Term insurance.
@@mehulkumar2930 already watched but I purchased the policy in 2018 befor he upload the video 😄. Now just 7 years to go. But buy a 2nd policy with regular pay options.
@@mehulkumar2930 who is LLA?
Term insurance is to cover the shortfall of income for your family when you are not alive. So its always advised to take term insurance till retirement age (60yrs max). No point in taking term insurance for 75yrs. Also term insurance should be 20-30x of your annual income.
@@dilipofutube Labour Law advisor
Hello mai 49 years ki housewife hun. Kya mujhe term plan lena chahiye aur kaun sa better hoga
Yearly primium
Mam ek army person ko term plan lena chahiye ya nahi?Agar lena chahiye to koun sa lena chahiye.plz reply me..
Mam meri umr 53 hai to konse insurance le
मैम मै एक एल आईसी का पालीसी लीया हु कया मै turm plan le sakta hu usme koi issu to nahi hoga covering time pe
Hello’ mam pls tell me a good etf fund…
looking so beautiful ma'am and thnx for great information
Mam, aegon life I turm plus plan with critical illness rider, aur turm insurance me critical illness product health se related hai to portability kyo nahi hoti.
Term plan me maturity ke baad kuch amount return milata hai esake baare me ek video banaye.
Stock returns k bare me bare me bhi batayein compare to investing in lump sum in stock vs policy
Hi ma'am... your presentation style really nice ... and getting good knowledge
Lic me aisa nhi hota please guide me
Namaste Swatijee
Good work mam..
Swati Mam,
My age is 40 and I want to take term insurance regarding this I had applied HDFC Life for 50 L but my application was reject for base of salary then policy bajar told me for buy pnbmetalife insurance.
So can you guide me for this insurance company, I can buy policy for this company or not
Hi Swati Mam..
Asking this question as Newbie to all this things..and want to learn more.
I am 22 yrs old working in Private Firm.
My firm offers me Health Insurance apart from that i am planning and constructing my retirement corpus while investing in MF.
Wanna know how this Term Instagram can help me. And what are benefits.
And apart from this what are the possible investment areas or instruments a new working class should seek in to have a better financial independency.
Thanks in advance for your answer 😊
Looking forward for your valuable advice as always.
Hi mam I am a big fan of u 😊
I have allready aegon term insurance, sum assured 25 lakh with additional accidental rider of 18 lakh from 2017. Want to increase my term cover.
ICICI , HDFC term company offered only 50 lakh cover as my annual income and MAX Life offered 50lakh-1crore with increasing term cover .all companies are quite good with solvency ratio and claim settlement ratio. #Max life insurance is a joint venture with axis bank.
Q)1--should i go with max life insurance?
Q)2-- should i go with monthly or half yearly or annually premium?
If you ask me continue your aegon insurance and take 25lakh cover from anyone of three companies.
is it compulsory I t return for term policy
Thanks ma'am ❤
I have just purchased at 38 year age1cr plan paid two month premium also but while purchaing i have shown plan of normal term plan 1700 monthaly or 27258 Rs yearly without rider 40 years
and
12 years pay limited 5352 monthaly or 61926 Rs approx return premium 6,69,313 in lakh Rs for 4% with rider after 40years. i have choose return premium. And traped.
Now after watching video may be i will cancal term plan Tata aia smart raksha plan. & Purchase only pure term plan no need return. Remaing amount invest other SIP,MF,plan sbi contra like.
In how many days we will cancel policy..for refund
Mem
Giving Good knowledge
Which company take terms plan??
ICICI prudential, HDFC ,TATA AIG.
All are best
Mam kya policy bazar se term insurance lena sai hoga ya fir offline lena sai hoga .kindly reply
Direct company se Lena thik hoga .. taki claim milne me asani ho ..
Aapko personal support milega ..vo bhi aapke most important time me ..
Ma'am nmastey. Mutual fund me direct invest kre ya agent ke through.
Hello Madam... Tearm plan me age ke bad paise return ho jate hai... Iske baare me kuch bataye aur kya hame rider lena chahiye... Pls help me
Plain level term plan le without any rider
Agar return of premium option hoga toh milega .. par premium thoda jyada lagega ..
Aur critical health rider lena hi chahiye .. agar blind hua .. ya apang hua .. ya koi badi bimari Hui to .. aapko lump sum claim mil sake treatment ko bhi ..aur pariwar chale me bhi ..
Agar aapka heath insurance ho phir bhi Lena chahiye ..
Jyada nahi pay karna padta .. rider ke liye ..
Critical health rider ka claim sirf diagnosis pe hi mil jata hai .. bahut sare plans me .. jaise .. i protect smart by ICICI.
Hello Madam. Aaj kaal online policy lene se policy provider/ insurance companies policy documents ka only soft copy provide kar rahe hai. Hard documents nehi de rahe hai. Kya ye future me mere family ke liye koi samsya ban sakta hai?
Koi problem nahi hoga
Please buy annual regular term and till 65 years only...because if u buy till 80 years maybe your children feel 1 crore is moving around the house and when they are in need of money may be they kill you...so no need insurance in old age...thank you.
Very genuine 😂
😂 Ocar wining question
sense less advice
No.. it never happens like this ..
If killed by wrong intensions like policy claim.. the claim is get rejected .. also on suicide ..
And only paid after thorough police investigation..
Medam , Limited period kaa options liya he.
Swatiji request to to make video on pension plans of LiC and other with Apy
🤔🤔🤔🤔🤔🤔🤔
i think full time pay is best option for term plan, but for his premium payment you have to fix the deposit of 1 time pay payment and his interest amount to pay his premium.
non working house wife ke liye term insurance lena sahi hoga?
🙏🙏🙏👌👌
My age is 30 yrs as of now. For how long I need to cover my term insurance. Should I go for 70 yrs or more than this
स्वाती जी टर्म इंश्योरेन्स लेने के लिए रिटर्न फाइल करना जरूरी है क्याप्लीज जरूर बताएं
Return Dena compulsory hai
Dear madam please make vedio on endowment plan. Is it wastage of money or useful. Most comnany provide less benefit on endowment plan.
Good evening madam, agar ham 10 sal ka option ka paisa khud se mf ya market me yrly premium ke hisab se Lagaye aur regular premium bhare to after 10 yr jo paisa banega usemese hi premium bhare 30 yr to bhi bahut Sara rs bachega aur time jese badhega regular premium bhi hame kam hi lagega.
Mam maine monthly premium option liya hai kyuki mai ek govt. Employee
Please suggest term insurance for farmers 🙏
Madam mana lic ka trem plan 25year ka liya hai. Mary age 34 hai. jiska perem haf year hai .may job karta hu .madam Kya thik fasla hai
Good night
Hi Madam,
Thank you for your clarification, have taken regular premium term plan, the difference of One time Premium amount invested in direct equity market. Though it is risky for retail investors to invest in such a volatile market. But for long term hoping to get better return.
Please evaluate based on your analysis.
Thanks
Thanks ma'am. Is term plan going to get expensive in near future?
Mam mere pas ICICI term plan he 1.25 cr ka he . Smoker and drinker ka he criteria .
Preimium 2116 Rs per months
Covered till my Age 76 yrs.
Term plan online ya offline ya policy bazar shi hoga .plz reply
Online direct company ki side pe jakar kharid sakte hai ..
Ya offline bhi aapko assistant mil jayega ..
क्या 8 साल प्रीमियम देने के बाद भी टर्म प्लान का क्लेम रिजेक्ट हो सकता है, यदि हमने कोई छोटी बीमारी छिपाई है और उस बीमारी से हमारी मृत्यु नहीं हुई हैं ,
मैंने 8 साल का प्रीमियम तो भर दिया , अब टर्म प्लान बंद कर दू या चलने दू ? या नया प्लान वापस लेकर बीमारी बता दू
क्यों की Section 45 of Insurance Act 1938 ये कहता की 3 साल बाद क्लेम रिजेक्ट नहीं होगा
PLEASE HELP
Reject nahi hoga payment delay ho sakta hai
धीरज जी आपके सवाल का जवाब इंस्टाग्राम पर दिया है, ये लिंक है उस वीडियो का
instagram.com/tv/CUkSGGphSmM/?
Hello mam, my age is 24 ... Maine hdfc life ka term insurance liya h... Jiska prem. 1460 rs per month h for next 41 years... But agr mai limited pay use krta hu next 28 years tak to mera prem. Only 13 rs extra h.. 1473 per month hoga... To mere liye kya choose krna thek hoga..? Plz suggest
Limited pay le lo
LIC tech term not covered? What is your view on lic tech term plan
Lic term plan is excellent
नेगेटिव पिन कोड यानी कई कंपनियां किसी शहर को नेगेटिव एरिया में डाल देती हैं, पॉलिसी नहीं ले सकते हैं। इसकी वजह क्या हो सकती हैं ?
शायद उस शहर में लोगो की लाइफ लिविंग कम हो जैसे अधिक फैक्ट्री से पॉल्यूशन, साफ पानी की कमी, खराब हवा आदि।
आप बताए क्या हो सकता हैं।
इसके बीच अगर PNB MET LIFE INSURANCE कंपनी 32 साल की उम्र से, 5 लाख की वार्षिक आय पर रु 1115 के मासिक प्रीमियम पर 1 करोड़ का टर्म प्लान इंश्योरेन्स दे रही हैं,
कैसा रहेगा..अच्छा या बुरा...?
Term plan mai Income se jada cover lete hai tho claim dete samai company konsa income consider karegi. For example my current annual salary is 4L * 20 time's tho mai aaj 80L tak cover le sakta hu. Maine 1cr or 2Cr ka liya. After 5 year's my annual salary is 10L or 12 L. What's companies T&C on this pl review on this thank you madam
Hi mam
my age is 33 year, i have purchase hdfc term plan in 2019 feb after that in march i got hypertension problem and medicine treatment is going on ,my question is that if policy buyer is get detected by hypertension or diabetic, then buyer need to inform the insurance company or not and will it the reason for claim rejection in future.or i need to cancel existing policy and do fresh policy with on going medical condition. and one more thing is that my policy term year is very long i need to decrease it coz my premium payment will reduce
please explain me what to do.
After three years claim reject nahi hota💯
I am buying term insurance, as a payment mode i wanted to select a regular monthly premium, but my fear is that I could miss the premium which may lead to policy lapse.
to avoid that I am searching for a solution something like, to block the amount in the bank account only for this premium OR I could maintain some cash flow from some other source to this payment mode on the date of payment.
But I am not sure whether is there any provision like that from the bank! am stuck here Please help me if know any solution
Maine Kai bar aapko Bajaj Allianz ka Goal Assure ulip plan ke bare mein Kai bar likha tha magar aapka koi jawab