Visually impaired persons ka life exident and term insorence nahi hota what you will say about it and can u help us for a wearing Government and componies
Hey Prasad, I've been watching your videos for the past 4-5 years. They're very knowledgeable and informative. Thank you for your support. Best wishes for the future ahead! ❤️
Trust more the one who has already given her life to raise you, but that also doesn't mean not to trust the one who is ready to give all her life and has already sacrificed many of her dreams by marrying you...
@@VishishtMishra111 men are not born to do jobs only. Can men say no to work after marriage? Bete bhi nasib wallon ko milte hai. All children are equal.
Hi Prasad. Thank you giving such a good content! Can you please tell me how to get the claim settlement ratio and incurred claims ratios from IRDA website insurance wise for the latest year ? You are really doing a great job!! Thanks!!
Sir question is but difficult but I hope you will answer, If someone has illnesses or case scenario ( uncommon presentation of common conditions) which are rare, for example young onset Parkinson disease . In which disease can continues for more than one or two decades and progression is unpredictable. So for such customise situation , is there any plan, provision or some solutions?
Sir video time from 2.36 minutes, is me aap ne TERM PLAN KE BARE ME BATAYA HAI REGARDING DIFFERENCE BETWEEN CLAIM SETTLEMENT RATIO AND AMOUNT SETTLEMENT RATIO...AUR AAP NE EK VIDEO SUGGEST KIYA HAI ON RIGHT UPPER SIDE OF VIDEO... LEKIN YE VIDEO TO HEALTH POLICY ( MEDICLAIM) RELATED HAI. SORRY TO SAY LEKIN HAME TERM PLAN ME CLAIM SETTLEMENT RATIO AND AMOUNT SETTLEMENT RATIO KON SI COMPANY KA BEST PERCENTAGE HAI VO JANNA HAI, PLEASE CLEAR THIS DOUBT...
as you said in reply to one comment that if you take policy till age of 60 there is less probability that your family will get money and if you take it upto age of 90 there is high probability that your family will get money. why is this so? can you please explain it?
Hi, would you advice a term insurance for someone who's primary income are rental and dividends? I mean even if I die my family would still continue to get those income so should I still consider a term insurance?
Please Prasad make a video on Saral Beema yojna. Can you please make a video on how much money a state earn by traffic rules violation, specially for Kolkata.
Hello sir , Please make a video on how to start making money from stock market as a student to pay college fees by himself / herself . Not future and options .
नमस्कार प्रसाद भाई मैं 2 महीने पहले निभा Niva Bupa Aspier Gold+ Health insurance लिया हूं इसके साथ कोई भी एडिशनल फीचर ऐड नहीं किया मेरा Age 28 my wife age 22 इसी इंश्योरेंस हम दोनों के लिए सही है सालाना 10Luck cover हे।
Why to take term insurance when we can invest in SIP?? SIP will be better option than insurance only if you survive that long time that will make few thousand/lakhs a few crores. You wont get that large amount if you die within 2 years of starting the SIP. In term insurance you are covered after you pay your first premium only.
kya mere 60yrs tak, jo premium pay kiya hoga, woh sab return ho jayega ? yadi answer haan hai to thik maan lijiye ki mainey policy ka claim nahin kiya upto 60yrs tak toh premium yadi return nahin huye toh mere paise pure barbaad thoda confusion dur karenge, please
Q1 Mtlb unemployed aadmi term insurance nhi le skta? Q2 Kya directly supertop lekste hai bina base plan liye health insurance me? Request - aapko ek mail send kiya hai aaj maine ,bank ke against complaint kiya tha usme apki guidance chaiye
I am a patient of epilepsy and am not eligible for term insurance or health insurance. Am I eligible for saral jivan bima yojana. What can l can do? Please help.
Sir insta pe jo add h uska price 9 rs h ir vo session 6th July ko h or ap ke RUclips channel ke bio me h uska price 89 h or vo 7th July ko hota clear karna h
Hello sir me HDFC me ek policy liya tha auto payment tha but 2nd year me policy lapse hogya bole hi aap ka jo premium kam received hua hai isme kisa galti hai me kya karu...
2021 mein PNB MetLife se term Insurance liya tha. Mere Job and Education qualification k anusar bas ek PNB MetLife hi achha Term Plan offer kar raha tha. Lakin apke Top5 list pe iska naam nahi hai, Kiya Mujhe Switch Karna chahiye? Please Suggest me
Prasad Sir my term insurance got rejected two times because I am a small retail shop owner and my ca filed IT returns as a salary income under non taxable limit. Now how can i avail term insurance?
if there are no critical illnesses mentioned in the policy wording and if we diagnosed with some critical illness which is not pre existing disease, how much is the probability that the claim will be passed or will insurance company reject the claim with their smart tactics??
Hi Prasad. 1> If someone purchased a life insurance today and he/she do not have any critical illness and after a few years we get admitted for something, and in the meantime developed a critical illness which they were not aware of, are there chances insurance company will reject it says u did not report it to us, when in reality he/she did not know about it at all ? 2> If we get a yearly medical checkup done will the insurance company cover these expenses ?
Hi Prasad I want to asked if any person have any disability or he/she may have any Hereditary disease can get Health and Term Insurance. If Yes then please make a video on it. Thank you for all ur videos.. they are very informative and knowledgeable as I'm following your content from beginning.
Bro I have a doubt, I'm planning to take a term plan , I'm discussed this with ditto, tata aia team and policy bazaar, I finalize tata aia sampoorna raksha plan, but only policy bazaar people are telling yes I can take the plan rest of the two ie.. ditto & tata team informed me that I'm not eligible for the plan , because I only 3 lks per annum, I opted 90 lks plan , what should I do ??? Should I I go with policy bazaar team or not????
I have a term insurance from last 2 year but I have am paying the limited time period amount which is high and company can't change this premium option. Can we shift this term insirance to a different company ?
Sir, thank you this vidio Sir my question is a hum jo term insurance lete hain to jab hamari age waha tak pahuch jati hain to hamare paise wapas milte hain ki nahi ?
Worst is maxlife insurance once you are in then there is not exit. You can enter online but for you can't exit online. They will threat you for not paying your premium. For agents : your first policy can be alloted by their branch means you can't get commission. Worst is term plan for their agents they don't value you and you will be kicked out you without commission if you miss the target.
As you said Nominee usko banaya jata h jo financially hum par dependent ho... But agar working Mother ya working wife ko nominee banaya to koi issue h kya? Please clarify 🙏 And policy lene k bad nominee change kar sakte k kya?
Hello sir, thank you for your explanation in detail, but main soch raha hu ki term insurance lene ke bajay mein LIC ka life insurance mein bhi muje life cover milta hai, Tho please suggest me kya term insurance ke jagah LIC ka life insurance Lena is good choice or not, one more point term insurance ke company pe mera barosa nahi hai please clear my doubt
You can go with any good company's Term Insurance plan. The company should have a good reputation. Make sure the company has good claim settlement and amount ratio. Unlike Health Insurance the issue with claims not being passed or passed partially is very low in term insurance.
I would suggest you to buy one since once you get retired from your job you won't be covered & it will become tough in that age to get a good plan. One of my friends got retired and within a year he was hospitalized and he had to pay the whole bill since his dad was not covered anymore.
Policy bazar se lenge toh unka commission bhi toh honga directly nahi le sakte kya jisse kam premium pay karke same plan mil jaye talking about all insurance
@@virajthakur8572 The cost of Premium doesn't change irrespective of buying from policybazaar Or directly from companies. Policybazaar is a great tool if you want to compare different companies' different plans. Plus they also provide support during time of claim otherwise you are on your own if you buy directly from insurance companies.
Generally Insurance companies ask for income proof. So in the case of students without any income proof insurance companies won't issue policies. But you can still learn about insurance this will come into use in future.
Buy Insurance Online 👇
Term- bit.ly/3zp8cUT
Health- bit.ly/4aIj3Xe
Visually impaired persons ka life exident and term insorence nahi hota what you will say about it and can u help us for a wearing Government and componies
Sir kiya hum indians army vale term insurance lee skte hai?? Plz reply
Hey Prasad, I've been watching your videos for the past 4-5 years. They're very knowledgeable and informative. Thank you for your support. Best wishes for the future ahead! ❤️
Please sir make 1 video about saral jivan bima❤️🔥
Insurance holder की death होने के बाद क्या प्रोसेस होती है
Trust more the one who has already given her life to raise you, but that also doesn't mean not to trust the one who is ready to give all her life and has already sacrificed many of her dreams by marrying you...
Everyone sacrifices independence after marriage and it has nothing to do with gender. Even men sacrifices many dreams by marrying.
@@pankajsharma-np8rl never argued on that 🙂, sure they do, but the topic I spoke about is completely different I guess...
@@VishishtMishra111 men are not born to do jobs only. Can men say no to work after marriage? Bete bhi nasib wallon ko milte hai. All children are equal.
I get rupees 15000 salary can i get term insurance and i am also graduate. REPLY
Prasad bhai
Govt. Ka 20 Rs. Wala
And
330 vala insurance per 1 video please
❤❤
Please Sir Make one detail Video on PLI (Postal Life Insurance)
I want to buy but confused, which one is better!
Sir मैं फौज मे हू मेरे लिये बेस्ट incurance कोणसा है
Sir I want a detail video on nephrocare ipo or a short video please it will give some financial information to me
अगर term insurance लेते समय कोई alcohol नहीं लेता था लेकिन बाद में कभी कभी occasionally लेने लगे तो क्या करना चाहिए?
Apne video me jo 5 company batai he usme se sabse achhi orr low cost vali company kon si hee!
You are doing a great job ❤
TWO CONDITIONS FOR TERMS INSURANCE WHICH RUclipsR NEVER TOLD.
1. YOU MUST BE GRADUATED
2 YOU SHOULD EARN 5 LAKHS ANNUALLY.
THANKS.
You can go for the Saral jeevan bima plan. This plan is designed by IRDAI & all insurance companies sell this.
Hi Prasad. Thank you giving such a good content!
Can you please tell me how to get the claim settlement ratio and incurred claims ratios from IRDA website insurance wise for the latest year ?
You are really doing a great job!!
Thanks!!
Sir question is but difficult but I hope you will answer,
If someone has illnesses or case scenario ( uncommon presentation of common conditions) which are rare, for example young onset Parkinson disease . In which disease can continues for more than one or two decades and progression is unpredictable. So for such customise situation , is there any plan, provision or some solutions?
Just related to above question, please if anyone can guide for above situation, there is large group of my friends who badly want knnow about this?
Sir video time from 2.36 minutes, is me aap ne TERM PLAN KE BARE ME BATAYA HAI REGARDING DIFFERENCE BETWEEN CLAIM SETTLEMENT RATIO AND AMOUNT SETTLEMENT RATIO...AUR AAP NE EK VIDEO SUGGEST KIYA HAI ON RIGHT UPPER SIDE OF VIDEO... LEKIN YE VIDEO TO HEALTH POLICY ( MEDICLAIM) RELATED HAI.
SORRY TO SAY LEKIN HAME TERM PLAN ME CLAIM SETTLEMENT RATIO AND AMOUNT SETTLEMENT RATIO KON SI COMPANY KA BEST PERCENTAGE HAI VO JANNA HAI, PLEASE CLEAR THIS DOUBT...
as you said in reply to one comment that if you take policy till age of 60 there is less probability that your family will get money and if you take it upto age of 90 there is high probability that your family will get money. why is this so? can you please explain it?
Hi, would you advice a term insurance for someone who's primary income are rental and dividends? I mean even if I die my family would still continue to get those income so should I still consider a term insurance?
Sir make dedicated video on standard insurance policy which is given by IRDA like Saral Bima, Sanjeevi, etc
Please Prasad make a video on Saral Beema yojna. Can you please make a video on how much money a state earn by traffic rules violation, specially for Kolkata.
Hello sir ,
Please make a video on how to start making money from stock market as a student to pay college fees by himself / herself . Not future and options .
नमस्कार प्रसाद भाई मैं 2 महीने पहले निभा Niva Bupa Aspier Gold+ Health insurance लिया हूं इसके साथ कोई भी एडिशनल फीचर ऐड नहीं किया मेरा Age 28 my wife age 22 इसी इंश्योरेंस हम दोनों के लिए सही है सालाना 10Luck cover हे।
एक आदमी 2 टर्म इन्शुरन्स निकाल शकता है क्या
मेरा मॅक्स लाईफ का 40 लाख का है
मैने दुसरा 50 लाख का बजाज का निकाल है
तो ये दो पोलिसी मेरी चालू है
I am NRI and I took my term insurance when I was in India, will my family get claims if something goes wrong?
Insurance is very difficult to understand, u r trying ur best best r grassping power is weak
Sir kam pada likha insan ko health insurance kaise milega jo ITR file bhi nehi karta hai...din dihari majduro ko kaise milega health insurance....
Why to take term insurance when we can invest in SIP??
SIP will be better option than insurance only if you survive that long time that will make few thousand/lakhs a few crores. You wont get that large amount if you die within 2 years of starting the SIP. In term insurance you are covered after you pay your first premium only.
kya mere 60yrs tak, jo premium pay kiya hoga, woh sab return ho jayega ?
yadi answer haan hai to thik
maan lijiye ki mainey policy ka claim nahin kiya upto 60yrs tak
toh premium yadi return nahin huye toh mere paise pure barbaad
thoda confusion dur karenge, please
I applied for term plan and it got rejected basis BMI as i am overweight.
Sir, सुसाईड rider भी add hote हे kuch term के प्लॅन मे, उसपे full details मे व्हिडिओ बनाये
I'm not aware of such a rider. But suicide is not covered for first 1 or 2 years. You will have to read policy documents for this specific detail.
Prasad bhai jinki monthly income 20000 se kam h unke liye kuchh bataye....
Q1 Mtlb unemployed aadmi term insurance nhi le skta?
Q2 Kya directly supertop lekste hai bina base plan liye health insurance me?
Request - aapko ek mail send kiya hai aaj maine ,bank ke against complaint kiya tha usme apki guidance chaiye
I am a patient of epilepsy and am not eligible for term insurance or health insurance. Am I eligible for saral jivan bima yojana. What can l can do? Please help.
Sir insta pe jo add h uska price 9 rs h ir vo session 6th July ko h or ap ke RUclips channel ke bio me h uska price 89 h or vo 7th July ko hota clear karna h
Hello sir me HDFC me ek policy liya tha auto payment tha but 2nd year me policy lapse hogya bole hi aap ka jo premium kam received hua hai isme kisa galti hai me kya karu...
2021 mein PNB MetLife se term Insurance liya tha. Mere Job and Education qualification k anusar bas ek PNB MetLife hi achha Term Plan offer kar raha tha. Lakin apke Top5 list pe iska naam nahi hai, Kiya Mujhe Switch Karna chahiye? Please Suggest me
Sir best lic policy ke upar video bno.ghar bale sir lic ke liye boll rahe hai .koi or company ke liye mna kr rahe hai .
Sir mene two LIC scheme le rakhi hai to ab Kiya term insurance Lena benefits hoga
Sir Bajaj Allianz term insurance ka review kijiye please
Sir from where should I buy a term plan
SIR 2 BACCHE WIFE HASBAND AUR MAA KE LIYE KONSA HEALTH INSURANCE LE PLEASE REPLY SIR
SIR 2 BACCHE WIFE HASBAND AUR MAA KE LIYE KONSA HEALTH INSURANCE LE PLEASE REPLY SIR
SIR 2 BACCHE WIFE HASBAND AUR MAA KE LIYE KONSA HEALTH INSURANCE LE PLEASE REPLY SIR
SIR 2 BACCHE WIFE HASBAND AUR MAA KE LIYE KONSA HEALTH INSURANCE LE PLEASE REPLY SIR
Please discuss about saral jeevan bima
Prasad Sir my term insurance got rejected two times because I am a small retail shop owner and my ca filed IT returns as a salary income under non taxable limit. Now how can i avail term insurance?
Please try Saral Jeevan Bima plan. IRDAI has made compulsory for all the insurance companies to sell one term insurance plan with this name.
I love you brother apke sath jabse apka channel bna hai tabse sath hu
Make the details videos on ullip plan Sir
Mujhe Thalaseemia hai mein term insurance kaise lu maine har jagah se apply kar ke dekh liya nahi mila mujhe any other option for me.
Sir as a student konsa term insurance shi rahega
in Online:
1) no specific person is mapped to the policy.
2) no service/claim support
as there is no service cost, discount is given.
SARAM VIMA k upar video dijiye
if there are no critical illnesses mentioned in the policy wording and if we diagnosed with some critical illness which is not pre existing disease, how much is the probability that the claim will be passed or will insurance company reject the claim with their smart tactics??
Mere PPF and LIC portfolio mey Maa nominee hain...and mutual funds and stocks portfolio mey Wife hai😊
Sir aap 7 july ko class kar rahe hai kya 9rs ki???
Hi Prasad.
1> If someone purchased a life insurance today and he/she do not have any critical illness and after a few years we get admitted for something, and in the meantime developed a critical illness which they were not aware of, are there chances insurance company will reject it says u did not report it to us, when in reality he/she did not know about it at all ?
2> If we get a yearly medical checkup done will the insurance company cover these expenses ?
Hi Prasad
I want to asked if any person have any disability or he/she may have any Hereditary disease can get Health and Term Insurance.
If Yes then please make a video on it.
Thank you for all ur videos.. they are very informative and knowledgeable as I'm following your content from beginning.
Please suggest us essential rider
Bro I have a doubt, I'm planning to take a term plan , I'm discussed this with ditto, tata aia team and policy bazaar, I finalize tata aia sampoorna raksha plan, but only policy bazaar people are telling yes I can take the plan rest of the two ie.. ditto & tata team informed me that I'm not eligible for the plan , because I only 3 lks per annum, I opted 90 lks plan , what should I do ??? Should I I go with policy bazaar team or not????
Suggest Best health insurance for parents father approx. Age 61 and mother approx. Age 55.
Sir ji stock upar video.😅
I have a term insurance from last 2 year but I have am paying the limited time period amount which is high and company can't change this premium option. Can we shift this term insirance to a different company ?
Sir term insurance kaha lena better rehega...
Polycy bazar...
Ya .... agent...
Who will be help better at time of emergency....?
Saral jeevan bima me video bna do
can we take multiple term insurance like 50 lac from top 5 each
Yes we can!
Why not lic of India
hyundai ipo
Thanku so much sir..
Mai cute hu 😂
Mera Salary 35 k hai or hum log 4 log hai hame ek Madical insurance Lena hai kon sa Acha rahega
Saral Jeevan Bima Yojana
No doubt only Parents.....
Aur wife kbhi nhi ane Wali,single hi thik hai boss,koi lafda nhi chahiye ghar mein😎
सर ( जवाब) - हार्दिक पंड्या जी मा🐄 को ही नॉमीनी रखो वाईफ 🐍का भरोसा नहीं
sir, can you give the best 5 term insurance plans in terms of settlement amount?
Sir term insurance lene thik 1 saal ke under hi kisi ki death ho jati hai to kya claim sattle ho sakta hai
Yes. coverage starts after 30 days of waiting period. Other than exclusions all claims are covered. For exclusions read policy documents.
Sir, thank you this vidio
Sir my question is a hum jo term insurance lete hain to jab hamari age waha tak pahuch jati hain to hamare paise wapas milte hain ki nahi ?
Saral jeevan bima
Worst is maxlife insurance once you are in then there is not exit. You can enter online but for you can't exit online. They will threat you for not paying your premium.
For agents : your first policy can be alloted by their branch means you can't get commission.
Worst is term plan for their agents they don't value you and you will be kicked out you without commission if you miss the target.
Question :- Ye video me jis bhi company ka naam liye unn mese koi bhi sponser hai?
Apne health insurance konsa liya hai?
Superb Sir.I appreciate your efforts Sir
3 sal phehel mene pnb ka term insurance liyatha kya bo sahi he
As you said Nominee usko banaya jata h jo financially hum par dependent ho... But agar working Mother ya working wife ko nominee banaya to koi issue h kya?
Please clarify 🙏
And policy lene k bad nominee change kar sakte k kya?
Blood relation should consider 1st
Yes you can change any time
No Issue with that. & yes you can change nominees in future.
Hello sir, thank you for your explanation in detail, but main soch raha hu ki term insurance lene ke bajay mein LIC ka life insurance mein bhi muje life cover milta hai,
Tho please suggest me kya term insurance ke jagah LIC ka life insurance Lena is good choice or not, one more point term insurance ke company pe mera barosa nahi hai please clear my doubt
You can go with any good company's Term Insurance plan. The company should have a good reputation. Make sure the company has good claim settlement and amount ratio. Unlike Health Insurance the issue with claims not being passed or passed partially is very low in term insurance.
Sir muja Yad rakhn 😊(Jay Jagannath)
Hey Prasad
Can you please cover LIC Tech Term Plan in a video
We will consider it.
Govt. Employees ko health insurance lena chahiye alag se. Ya sarkar ki taraf se medical support jo milti hai wo kafi hai.
I would suggest you to buy one since once you get retired from your job you won't be covered & it will become tough in that age to get a good plan. One of my friends got retired and within a year he was hospitalized and he had to pay the whole bill since his dad was not covered anymore.
icon button pe video nahi hai
Updated.
Policy bazar se lenge toh unka commission bhi toh honga directly nahi le sakte kya jisse kam premium pay karke same plan mil jaye talking about all insurance
@@virajthakur8572 The cost of Premium doesn't change irrespective of buying from policybazaar Or directly from companies. Policybazaar is a great tool if you want to compare different companies' different plans. Plus they also provide support during time of claim otherwise you are on your own if you buy directly from insurance companies.
Hi Prasad ji
Thanks for wonderful expansion
I have a question
Can I take multiple term insurance at the same time?
Yes. You can do that.
Thanks@@namaskarprasad
Kya hum ek sath 2 term plan le sakate he kya, alag alag company ke
Yes, but the cover amount depends on your income. Sabhi policy Mila ke cover annual income k 20-25 times hi hota h
Sir kya ek person 2 term plan le sakta hai alag alag companies se
Yes. You can take 2 policies from 2 different companies.
Yes you can but as per salary and ITR criteriya
Best video bhai....
I am your follower of you last few years but in this v clip speed is so fast that we can not understand details
Can students also take term insurance?
Generally Insurance companies ask for income proof. So in the case of students without any income proof insurance companies won't issue policies. But you can still learn about insurance this will come into use in future.
@@namaskarprasad currently, I am receiving scholarship/fellowship for research. Is that sufficient or they need income source?
@@AlapanSamanta you will still need income source. Buy term insurance once you get your first job.
@@namaskarprasad okay. Thank you so much for the support