Term Insurance में एजेंट/कंपनी कैसे बेवकूफ बना रहे हैं 😡 |2024
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- Опубликовано: 18 июн 2024
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Get Term Insurance from PolicyBazaar: term.lla.in
Get Health Insurance from PolicyBazaar: health.lla.in/
Reasons for Claim Rejection : www.policybazaar.com/life-ins...
PolicyBazaar Term Insurance Claim : termclaim.policybazaar.com or Call 1800-258-5881
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Questions:
0:00 Introduction
1:36 Term Insurance for Central Govt. Employees
3:07 Should you increase your cover or buy a New Insurance?
5:11 Is a disease one had 3 years ago considered Pre-Existing Disease?
6:24 Do I need to update job status in Term Insurance?
8:01 How to take online claim after death of policy holder?
13:15 I changed my country after 5 years, is my policy still valid?
13:42 If I die in bike/car accident and was found drunk, will my family get benefit?
14:16 I was a non-smoker but I started smoking after few years
16:34 Is Zero-Cost Term Insurance trust worthy?
17:36 Can we change nominee details & address
18:04 Earliest age to start Term Insurance, can undergraduate get it?
18:43 What are 4 major causes of rejecting term insurance claim?
21:27 My age is 50, I want to take Term Insurance on behalf of my wife & children, is it possible?
22:08 What if company goes bankrupt, what will happen to my claim & premium amount?
24:04 We took a joint home loan, after my husband's death the bank isn't forgiving the loan
26:04 I have a 10 year old policy from aviva, but it isn't a top company. Should I continue or shift to another company?
27:23 : How to decide sum assured in critical illness?
30:00 : Do we need to take life insurance from two companies?
30:56 Which rider is beneficial vis-a-vis cost/cover provided?
31:22 HDFC rejected a claim because bike was more than 150CC, what to do in such cases?
32:23 : If our avg lifespan is increasing, should we take higher term (70-80) or just normal vanilla term insurance?
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Read the detailed article here: labourlawadvisor.in/blog/comm...
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Shot & Edited by: Rohan Agarwal, Naveen Agarwal
Presented by: Money-Minded Mandeep
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#terminsurance #LLA
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Compare & buy the best health insurance : health.lla.in/
Reasons for Claim Rejection : www.policybazaar.com/life-insurance/general-info/articles/resaon-forlife-insurance-claim-rejection/
PolicyBazaar Term Insurance Claim : termclaim.policybazaar.com or Call 1800-258-5881
Jagruk Journal 2024 : jj.lla.in (Use Code MANDEEP)
Mandeep Bhai, plz make one video on retirement plan
Sirji Insured person aur nominee dono hi nikal liye to claim family wale le sakte hain.???
Question at 20:50, let's say I don't have any active income source and I'm above of age 18. Which means I have zero salary or income. Now can I apply for the term insurance. I know family is not dependent on me but still question remains the same can I get the term insurance.(question arised due to capping of 20X on cover)
Aj pata chala jine se mrne ka jada faida
Sir, Income ke 25 times sum assured deta he, according to age, I have already taken 25 times of my CTC from policy bazar recently.
Please confirm me can I take 25 times of my CTC ??
Health insurance also put in this type of video please
Agree
I also agree, please also make such videos on health insurance important qna and guide accordingly 🙏
Yes
Ek vdo hey ek mahine ageh dala tha
@@AnujNeogi-ih2db link please
LLA team is my hero.... they might not be as financially successful like other influencers but they will get the dividend of integrity in near future. LLA keep the good work going.
This is the best format Q/A video. Actually aisehi hone hachiye Q/A.
I would vary glad if I work with you....
I sent you my resume a long time ago
Infomative video.
All doubts related to term insurance get cleared.
Thanks
Aisa Content kisi bhi aur RUclips Channel pe nahi milega . Subscribing to LLA is one of the best decisions of my Life ❤️. Every second spent on LLA video is worth it.
Thanks for putting so much effort in educating us. How about a women centric health insurance policy? Should they get term insurance? I don't think so. What should they consider while buying a policy for themselves? Hope you will educate us on the same!
Wow this is called information, although i did research before buying term insurance and bought HDFC Life from policy bazaar but then i didn't know this much.
खूप खूप धन्यवाद सर... महाराष्ट्र राज्य.खूपच माहितीपूर्ण, video.
Wah kya video banadi bhai! Maan gaye! Mandeep bhai you rock!
Wow best video ever ....Plz post for health insurance bro ... We need this very much now ....
Sir, thanks for such a video. Its really very helpful. App hur chees itne simple way may samjate ho. 🙏🙏🙏🙏
You guys are awesome for sharing valuable knowledge that's hard to find elsewhere. After watching your video, I started asking my insurance company about their plans. They tried pushing a package where I either get all my money back at the end or pay a high premium for just 5 years. I used the 5 questions from your video, and when I mentioned it, the agent immediately asked if I watched the LAA Term Insurance video. I said yes, and it felt great. Can you please make a video about different ways to invest money with detailed information so we can plan our investments better? Thanks!
Thank you so much for clear the my doubt and any other doubt.
This was really helpful. I was planning to increase my cover but no one told me about the section 45. Now I will buy another policy instead to hedge against the odds. Thanks Mandeep. ❤
Same here bro.
What is section 45
please make a video of how to plan for all kinds of investment and insurance for a newly joined employee for a safer future
*Love you sir kindly make a playlist term insurance*
Term insurance lene ke liyee apki video dekhi maine bhut helpful thi thank you so muchh.❤
Honestly, I would like to say, that the information I got from your all videos (on Term Insurance), hasn't been from any finance expert on RUclips. So detailed and in a simple form. Anyone can understand. Gives me so much confidence while talking with Policy Executives or agents. One thing that I need to add, due to the global slowdown lots of people lost their jobs in 2022-23, if you don't have a job then you won't be able to get insurance from Policy Bazaar as they don't provide insurance irrespective of whatever you were earning earlier (if career gap is less than 2 months also). Thank you once again Mandeep bhai, I wish Personal Finance would be taught in Schools/Colleges and it should be taught in the way you provide info. :) Thankyou!
We need a video like this, on buying property and land ......
Nicely explained ❤ love lla team 😊
Thanks Mandeep for this highly informative video... We truly appreciate your efforts, which is helping so many of us!!
I have a couple of questions if you can answer them, I'd be very grateful and I'm sure it will be helpful to all of us:
1. If someone has multiple term insurances (say 3, from 3 different companies) and he/she dies in an accident - how to submit original documents to 3 separate companies? or in general how to proceed with claims for multiple term insurances?
2. There are lots of investment plans / instruments these days which give you 10 times life cover of the premium amount. If a person is holding say 2-3 of such investment plans and he/she dies, will the nominee 100% get the covered amount or there are chances of rejection in this situation too like Term Insurance?
Thank you Mandeep!
Very nicely explained❤
Nice information sir , thank you
Is it a requirement for a term insurance company to obtain the autopsy or post-mortem report in the event of the insured person's demise? Is this mandatory in all cases, or are there specific situations where it becomes obligatory? Kindly provide a list of scenarios where the submission of such reports is mandatory.
Sir aap ki is video or information gain Hui h. Maine lastly aapka video dekhne k baad hi term lia tha. Sir this is a request please make a video on loan. Home Loan, Personal Loan, Gold Loan etc.
NSDL pr online account banta h.. e-insurance ka.. but I prefer CDSL account as that already contain my other insurances..
I really appreciate you work hats off to you, please clear my doubt that which mode of payment we have to chose for paying the premium that is on monthly basis or yearly basis, when I choose the yearly basis then i will get ~5% discount. and i think one more thing that can be do that if I will invest in Lumsum of 11 month premium amount in mutual fund and use SWP of each moth premium then I think I will earn return which is more than 5% after tax amount or I thinking I may be wrong direction please suggest me what to do.
Thank you in advance 😊
Please make video on pf manual transfer in death cases. My husband is no more and in don't know how to proceed for PF and edli claims
Thanks for these information & useful videos 🔥❤
(Please also make one QnA video on Health Insurance also)
You guys are awesome for sharing valuable knowledge that's hard to find elsewhere.
Pls make complete video on personal loan and it's advantage and disadvantage.
Hello I hope Aap Sab Theek Hoge Sir mera Question ye hai ki kaise Sikhen Stock Market ko Dekhiye main Kisi Ko Galat nhi keh raha hoon Sab Apni Jagah Best Hai lekin Jo aap Samjhate hai Wo Proof ke saath Aur dono cheez batate hai Jaise Positive or negative dono Batate hai isiliye. Main Chahunga Agr aap Ke pass Kuch waqt hoto stock market kaha se sikhey aur kaise sikhey starting se wo zarur uspar Video banaiyega I hope aap mere Comment par zarur kaam karenge aur agr nhi bhi hua to koi msla nhi We always lov uh sir 😊
very nice , thanks a lot
@LabourLawAdvisor I have a question regarding the Super Top Up plans. If someone admitted in a hospital which is in a cashless network of my base health insurance but in my super top up insurance. So if my bill cross the base plan does the super top up will cover the bill cashless? Or I have to pay the amount over the base plan and then have to apply for reimbursement.
Useful content, aapki undone ment insurance waali vedio dekh kr mai e apni policy surrender kr di last year, thanks for useful information. Mandeep Bhai Sahab
Mandeep you are the best , I bought a term insurance 3 months back after watching your EPIC video over how to buy term insurance now i am looking for health insurance please a videos like that which you have made for term insurance thanks 🙏
Which one did u took bro ?
Tata AIA
@@anmolverma14295 is there any use of term insurance?
Should I provide a full body checkup before buying term insurance so that it will help me in future?
10:50 also a link of this video should be there in that folder
Thanx for the video
lets assume the husband and wife both are in a good job that he or she can handle the needs of family by his or her sallery so in that case does they should buy term plan ?
Well explained 👏 👌
धन्यवाद आपका, Term plan insurance के बारे में Reject होने के काफी सारे कारण बताये जिसे जानने के बाद खून पसीने से कमाया पैसा सुरक्षित रह गया।।
thanks for this amazing video....can you guys make one detailed video on Vehicle Insurance....specially bikes
Nice Informative video. I have a question - Recently when i purchased a term plan i have insisted for my physical medical check up but the insurance company inform me that the policy got issued on the basis of tele-medical and hence physical medical was not required due to which your physical medical was not conducted. Now in such scenario what should i do? Should i do my physical medical check up from outside or should i insist the insurance company to get it done.
I am also interested in physical medical verification but they are asking me for tele verification.
It's almost 1 month they have not scheduled physical test.
Should I cancel the policy or not ?
It's bad experience after paying money
You are exactly explaining everything as I expect ❤
Please make a detailed video on LIC paper property....
Kindly make a video on Health insurance too
Hi Mandeep sir, thank for sharing such a Valuable information. Meri policy document me Mera naam Kuldeep kuldeep mentioned hai, but according to my documents I have single name as Kuldeep only. Kya ye problem create Karega
Love the video, but just want to ask about 16:27 … If policy lapses due to non-payment and it is revived without submitting new docs, then does the the 3 year period restart? IRDAI FAQ says
Q 10: if a policy is revived/ reinstated by collecting arrears of premium with interest and without obtaining a Declaration of Good Health/Medical, can it be repudiated (rejection) within 3 years?
Answer: No. Since the policy is revived without taking any document/ statement from the policyholder, there is no scope for repudiation within 3 years of such revival.
Sir Please make a detailed video on Form 15G/H.
Thank you sir for providing jagrup knowledge.
20:01 still have doubts.... company toh khud se medical test karwati h...toh kya hume ushke alawa v khud se full body checkup karke report company ko submit karna chaiye...if yes toh kya kya test karwane chaiye.... please reply
Please please do a video on mediclaim
Thankyou sir,
Aaj Maine mere liye Term insurance liya hai ,
Aapne bahot aache tarikese guide Kiya hai ,
Jo aapne link Diya tha usi link se Jake policy liya sir.
Thank You Sir.
But sir yek question tha.
Sir mera company ka group life insurance hai to ye bhi add hoga kya in case of misshaping.
Sir, I wanna know that currently I am working in a private company that is outside india, can I take term insurance, does it affect my premium, anyhow that is a private job and their is no guarantee how many years I will be employed with them, so lastly I will be employed in India in future.
Thank you in advance!
Very Glad to see my RUclips comment chosen by you became one of the questions by many people. Term insurance pe itne saare videos shayad hi kisi RUclips channel pe hua hoga..Hats off Bhai 🙏
You are amazing ❤
Thank you
I baught a max life term plan back in 2019. It's been 4 years. After watching your video today i remember that i forgot to declare my lic policy of 1 lac and a postal life insurance. What should i do now?
I took term insurance on telephonic interview with doctor from HDFC Life in 2020. Now, I am 10 Kg heavy and long sitting job has caused mild cervical. How strong/weak the claim process case will be, if anything happen on medical ground, as they have not done proper medical checkup?
31:22 Very true. There is only company that has least exclusion is LIC.
Go with LIC
Matlab
Kya lic se policy Lena hectic nh h?
No it has highest settlement ratio.@@Shivadi30
My father is not a smoker but he lives in delhi. And got severe pulmonary 🫁 disease. Now how do I prove this illness is cause of pollution not of smoking.
Very informative. Appreciate your hard work... 😊
My question
Agar term insurance k time koi medical condition hai aur wo kuch time baad thik ho gaya tab policy k sath kya hoga ?
isme further kya2 steps lene honge ?
Can you make a video about why doctors do not describe generic medicine?
Is this leagal?
My Case
Recently, my father had some orthopedic related issues. We went to the doctors, and he described the medicine(without genetic name), which was available only at his medical shop with MRP. manufacturer of that medicine are local brand
I request doctors to describe an alternative name, which is a standard brand(sun pharma,torrent pharma, etc) he denied, and I have to buy that local medicine. Medicine may be costly and local brand.
mandeep bhai.. plz make a video on section 45 of insurance act ..2nd question is - can i take 2 term insurance.
The 2nd one I know.. we can opt for multiple term insurance.
Vehicle loan ke bare me bhi ek video banao, ev par bhi
Thank you for this useful video. I have a question for you. I am a swing trader and my numbers of trades in a financial year is around 20-25. My earning from swing trades will taxable under which of these - STCG or Business Income Tax Slab?
Stcg bro
thank you bro@@ketanahuja8939
Thanks for the information,easy to understand.Please make a video on how to start investment so that I can secure money for my retirement.😊
खूप उपयुक्त माहिती सर
Hats off to you guys for the information .
Policybazar is not giving help during time of need.They have blocked my number
Goto linkdin add tag policy bazar in post. Keep posting till the issue is not getting resolved.
Kindly put the same video for health insurance
Excellent and interesting way of presentation 👌👌
Bahut accha vedio banate ho bhai ....apki vedio dekhkar mujhe term plan ki sari information mil gyi ....
Bhai aapne bataya ki apni salary ka 20-25 time more term insurance lena chahiye....
Mai ek query puchna chahunga ki different RIDER mai apni salary ka kitna more times hona chahiye
भाई लोग आपने मेरा जीवन बदल दिए हो,,💥
शब्द नही है मेरे पास आपके लिए❤
Mandeep thanks for great content 👍
1) Is Marraige certificate mandatory for spouse to prove relationship at the time of claim ?
2) Incase of natural death post mortem report mandatory?
Mera bhi yhi question h
Death certificate
Same question here
Hello @mandeep bhaiya..
Thank you so much for such great content. ❤ Also thank you to educate all of us on such topics which ultimately helps our nation build stronger.
Also I have one small query.. if you have read this please answer me.😅
As we know Car is a liability for an individual , so to get best profit from it what is the best time to sell the Car? After how many years of purchase we can sell our car? As now days every year new technologies comes with that value of asset also decreases.
Hope I’m able to deliver my question sensibly.😅
Thank you.
bahut badiyaa bhau
Really appreciable well said 🙏
Please make on health insurance also
thank you for making this informative video. I have an LIC policy for 20 years of 20L(I will get it after 20 yrs). I need to pay 54000 premium every year. I have paid 3 yearly premiums till now. Should I surrender the policy and buy term insurance at the place of that? and start a SIP of the remaining amount? please suggest.
Yes, that's a wise decision. My wife also has a lic jeevan Anand policy of 15lakhs(25 years), 5556rs every month and paid for 4 years. We are surrendering her policy next month. And last month took one term insurance of 1cr. Whatever surrender value we get, that will be enough for 1cr term insurance for cover till 60 years. For 5556 have started investing in felxicap mutual fund, have a plan to invest for next 20 years atleast
Mandeep saying from personal experience
it's important while talking policy should try to buy optional add-on to take half yearly or yearly payment with shortest time to secure total coverage rather than monthly payment basis as sometimes life turns in unexpected ways that he fails to pay monthly installment and coverage is all gone this happened to many people during COVID lockdown we never know such things so better secure at earliest
And don't consider inflation wala explanation, yes you're paying your savings to pay installment but that's much better than lapse of total policy
Perimum payment frequency change kya monthly to yearly mere policy may section 45 apply or not.
Please explain.
On the Basis of all the Research and Policies. I took a plain max life term insurance from PB with just add on for Premium waive off in case of physical Disability. Is this a Good Plan and Company as most of them are telling Max Life is Fraud etc.....
Age : 23, Female, Nothing Much history of Tobacco or any other serious medical issues. Policy of 1cr.
bhai ne jab bola to ate hain skip maro. First time youtube be koi bola hai 😮. Hats off to you Mandeep bhau ❤
Mutual fund maturity and taxes on it. Is it necessary to show the capital gain on maturity and again pay income tax on it.
Mandep bhai apne Kis company ki Kaun si term insurance policy le hai ?
I wish if you could have explained riders in more details. Thank you anyways.
bhaiya aegon life insurance sahi hai kya?
sir section 45a is applicable on health insurance?
Mandip@ brother I am in Para-military. Last year I applied for HDFC Click To Protect Term Insurance for 1 CR through Policy Bazaar but the Application was rejected due to Grade -I fatty liver after medical tests. However, all the riders were also removed given the reason I am in the defence sector. Now, after correcting my medical issue I want to re apply for the plan this upcoming new year.
Can you kindly suggest any best Term Insurance Plans for people like me?
Thank you Mandeep! This was super informative, I have a question. if a person buy a term plan then goes abroad for work on a PR but still have Indian citizenship. Is he still covered ?
One more video for health insurance plz
Sir . aaj humne policy bazar se term insurance ke liye kiya to unlogo se Aegon ka eterm plan suggest kr rhe hai aur kra bhi diye aur sath me rider ke liye Tata AIA ka plan jo ki premium 636 ka aur term plan ka 1106 age 70 tk ka aur mera age 28
Kya ye sahi hai mere liye plz guide
Suppose if my current income is 3 lakh.. By (20 x salary) insurance rule, I can have a insurance of 60lakhs. In future, my income hopefully will also increase. In that case, my life insurance limit of 20xsalary will also increase?
Hi thanks for sharing this detailed video on the questions. I took life insurance recently but missed mentioning appendicitis surgery that took place around 8 years back. So what step should I take now?
Inform them now with all the reports.
Please contact your insurer or agent and try to inform them about this episode of appendicitis.
as you mention that natural calamities is excluded, but if we go to policy bazaar i see almost in all policies we see this------------------What’s Covered
Death due to any cause (e.g. natural, calamities, fire, accidental, illnesses, COVID-19 etc)-------------------please explain this