10,000 కన్నా తక్కువ Premium తో 1 కోటి Term Plan పొందడం ఎలా ? Best Term Insurance Plan in Telugu
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- Опубликовано: 28 авг 2024
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Best Term Insurance Plan :
In this video, we explore how to secure a 1 Crore term insurance plan with an annual premium of just INR 10,000. A term plan is a crucial component of financial planning, offering significant life cover at affordable rates, ensuring that your family's future is protected in your absence. We break down the best term insurance options available in the market, highlighting the key features, benefits, and eligibility criteria of each plan.
You'll learn about the top insurers offering these competitive rates, the factors that affect premium amounts, and tips to get the most value from your policy. We also discuss the importance of choosing the right sum assured, policy tenure, and additional riders that can enhance your coverage. Whether you're new to insurance or looking to optimize your existing policy, this video provides clear, actionable insights to help you make an informed decision.
Don't miss out on the opportunity to safeguard your loved ones' financial security with a cost-effective term plan. Watch the full video to discover the best term insurance options and ensure peace of mind for you and your family. If you find the content helpful, please like, share, and subscribe for more financial tips and updates.
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Sir I have taken icici but they didn't give physical bond. They send email only sir
Pp
Aà
Sir please make a video for NRIs i mean insurance plans please
Please do seperate video regarding pros and cons of taking multiple insurance term plans and care to be taken while taking policies. How they calculate human life value etc. Thanks. Hope you read this msg
సమాజానికి ఇంత మంచి సంతానం ఇచ్చిన మీ తల్లితండ్రులకు వందనం.
ఇంతవరకూ నేను ఒక వందమంది ఏజెంట్లను కలిశాను.ఒక్కరు కూడా పూర్తి వివరాలు చెప్పలేదు. మీ సంతకం పెట్టి ఫోటోలిచ్చి మనీ ఇవ్వండి అన్నీ మేమే చూసుకుంటాం మీరు రావాల్సిన అవసరం లేదన్నారు.మేం చూసుకుంటాం అన్నారు కానీ మీరు మాకు చాలా అద్భుతంగా నాలో ఉన్న సందేహాలకు చక్కగా సమాధానం చెప్పారు. ఖచ్చితంగా పాలసీ తీసుకుంటాం మీకు నా ధన్యవాదాలు...
..
One stange person advised me to take 1cr term insurance policy, then i enquired finally took ICICI 1 Cr policy. Now i am happy because my family & wife and kid were financially protected, if incase something wrong happened to my life, i am 30 now, it costing 1325/- per month, i am strongly recommending to all Young age men should take term insurance for their family. 1300-1400 rps per month nothing for us frankly, hardly its one sunday movie & restaurant bill. Everyday i am sleeping so happily without any future fears.
మిమ్మలని కన్న తల్లి తండ్రుల జన్మ ధన్యం మీరు చూపే ప్రయత్నం ఎందరో జీవితాలకి. మార్గం చూపుతున్నారు🙏🙏🙏🙏
One should first focus on
1. Life insurance
2. Health insurance
3. Emergency amount
4. Mutual funds
Yet another beneficial video. Kudos
I feel Health insurance must be the first priority
@@mravichandra Health insurance or term insurance which one is better?
4th option not required
@@girisht1936 health insurance
@@girisht1936 one should have both health insurance and life insurance
ఆల్రెడీ తీసుకున్నాను సార్ ధన్యవాదములు సార్ చాలా చక్కగా వివరించారు
i took hdfc life 50lakhs in 2013 and 50lakhs in maxlife in 2020..both are pure term plans-lumpsum payout without any senseless riders...
All the best Sandy garu
Look sbi life insurance
A much awaited video sai garu .. young people are more aggressive towards earning and savings ..leaving the security (insurance).. you deserve a big like
Thank you satish garu
I am already having the term Insurance but it was only 10 times of Annual Income. I will increase it by 15-20 times of annual pay as you said. Thank you Sai garu for guiding us...
Sai Garu, Iam subscriber to our channel and watch all your videos,My age is 35 and have taken term policy form Max life last year with sum assured of 50 lakhs with semi-annual premium sum of Rs:5617/-. One important thing is premium payment term is 26 yrs & policy term is 50 yes with critical illness rider.
ఇంత క్లియర్ గా టర్మ్ ఇన్సూరెన్స్ గురించి వివరించారు bro Thank you so much 😊 😊 😊 😊 😊
Sir Most Awaited Video from our channel!!!
Great effort and content we are proud to have you here sir that to in telugu Thanks for your time.some tips as life insurance sales person:
1.Please check proposal form by yourself because sales people has to much pressure from the company/Manager
2.please don't manipulate things in medicals this is one of the reason why claim gets rejected
3.Make sure You pay premium on time on/before due date this may also effects the claim
Finally, Insurance is first thing to do in financial planning it is lot more than 80C( MDRT'S also can't tell you this) ,Moreover this is not an investment option be careful with traditional plans which will effect your goals in long run!!
Thank You Sai Garu God Bless you!!!!!
MONEY PURSE CHANNEL
IS GODS GIFT
TO TELUGU INVESTORS !!
NO DOUBT !!!
THANK YOU VERY MUCH MR.SAI KRISHNA GARU !!!!!
Most welcome Anil garu
True
Explored various policies just 10days back and not able to decided . Now this video cleared all my doubts. Thank you so soooooo much sir.
Most welcome and all the best Pradeep garu
I took "LIC Tech Term" Life insurance. They are on par with pvt insurance companies. I got this policy very easy.
oh wow, all the best Mitun garu
Let me know how to touch base with you , I want to purchase one , guide me
What ever u covered in this video 100% genuine and transparent sai Garu...tks for the video 🙏👍
Thanks and welcome srinivas garu
ఐటి రిటర్న్ లేకుండా ఎలా టర్మ్ పాలాసి తీసుకోవాలి చెప్పాండి సార్
Some companies will offer term insurance with waiver of income proof. But income proof is mandatory for term insurance. So that insurer can calculate how much sum assured they should give.
Lic Geevan umang policey is the best.....
For Individuals Salary slips or ITR is required,or in wife and husband any one is salaried or business-if any one have income proof then they can take joint life cover in term insurance..example if husband have income proof ,if he get life cover 1cr then wife will get 50L Life cover..
@@gangireddycm9755 can you please tell me which company offers this kind of policy
hi
Thank you sir...nenu vethukuthunna video dorikindhi...super ga chepparu...
Hi sir
3years nundi Exide life lo 50L 70 years term continue chestunnanu
Tq sir
మీరు CFP మాత్రమే కాదు sir.. మీరు మా complete (PFP) personal financial planner కుడా.... 🙏🙏🙏
మీ student నీ sir.. term insurance tisukokunda ఎలా vuntanu...
I took term insurance at the age of 26 with aegon life insurance with a premium of 7200 per year... 🙏🙏🙏
Thanks and all the best Ramesh garu
More specific and real life points as usual rocks 👍🏻👍🏻
Thanks Nikhil garu
Sir. Nenu mi e video chusi Trm Insurance policy thisukunnanu . Thank you very much sir
Sai garu, After viewing your video, 👍 Nenu kuda term plan teesukunna Sir
All the best andi
Namaste Sir,
Very Good Video Sir.
నేను LIC Money Back Policy తీసుకున్నాను sir. Tax exemption కోసం తీసుకున్నాను sir.
మా Father and Mother కూడా ఒక చిన్న policy తీసుకున్నాను.
Always Thank you for guiding us.
V Gireesh
@@mallikharjunarao.o1320 ok andi. Thanks for advice.
Hi Gireesh Garu, thanks for sharing. Just analyse the required insurance cover you require and then go ahead with it and all the best
@@MoneyPurse Thank you Sir.
Hi sir..
Kindly prepare a checklist while choosing stocks...(During ur fundamental /technical analysis classes)...waiting..💐💐💐👌👌👍
Noted balakishan garu
@@MoneyPurse Requesting same
Sir I took good decision to take term policy after your video watching.thank you good explanation 👍
Thank u so much am starting my term plan from next month
Don't put all the eggs in same basket. I follow this rule for term insurance also. I have two term insurances with two companies, just in worst case if one doesn't work other one would. Can't risk the financial stability of my family.. 🙏
Many thanks for your explanation Anna, I have taken two term plans from hdfc life and max life two years ago..
Hi bro could you pls name the plan names
చాలా వివరం గా చెప్పారండి, అసలు టర్మ్ ఇన్సూరెన్స్ అంటే తెలియని వారు కూడా మీ వీడియో తర్వాత క్లారిటీ వస్తుంది.
నేను icici prulife లో 50లక్షలకి నాకు 70 ఇయర్స్ వచ్చేవరకు తీసుకున్నాను, lumsum payout లో.
So interesting.. First time video twaraga ayipoyindi ani feel ayya sir. Excellent presentation. Thanku to 1000 times good research.
I personally appreciate your efforts in making people knowledgeable about facts.
My Question:
As I have plans to move out of India after taking the Term Policy - In this case, if anything happens for me Overseas then how does this Term Policy useful for my family?
Term insurance only applicable with in india only.. You may live abroad short span only, but insurance premiums will rise every year. This wisely
@@harishsiva5340 Thanks for the information, do continuing the great work..
@@NaveenReddyKarumuriSir plz share ur contact no.since I am A Sr citizen regards
Hello Bro.. i am your regular follower in Eenadu Siri column for the past 5yeras. By reading your suggestion only i opted for term plan in the year 2015 for 1Cr.
I like this video as well.
Thankyou
All the best Mahesh garu
Thank you sir already I took term plan insurance with regular premium mode
All the best andi
Hi sir..
*Term policy lo enter avvataaniki Best age...??
*Policy claim Natural death ki kuda applicable avutundhaa..?
*Policy premium calculation, "as per age OR age&health conditions"...??
Please tell the policy name and company name directly so that every one will take the same . As some people may not be educated and get trapped by agents . Of course it's good to dicuss all the precautions
It would better to go with LIC if premium is feasible or go with Tata aia as per my knowledge goes.
ICICI PRUDENTIAL,Hdfc , AEGON are the best in term plans, highest claim settlement ratio
HDFC
Maxlife is the best in the industry it's claim settlement ratio is 99.22% which is industry best.
I have 2 Term Insurance Policies with this company.
I am Insurance advisor for all companies.
This is the only the one thing that I did 5 years back when I was at 26, 1cr sum for 35 years term and 8k yearly premium from max life, hope this video wil motivate some people to realise the importance of term insurance 🙏
Really you done good job brother, at small age premium also be less.
Sir if you want to take the same benefits to 61 years only at this age what is the premium amount that you should be paying? Also if you want to take for 35 years from now what is the premium amount? I want to understand how the premiums increased in these 5 years
@@chaitanyabingumalla8045 take for 75 years
Hello Sai garu
Naaku insurance gurunchi chala duobts unnai,, now all cleared by viewing your video. So useful I shared this video to all my friends.
Thank you so much
Eitlu mee abhimani
Karthik Botla
Sir చాలా వీడియోస్ చూస్తున్నాం అన్నీ మంచిగానే కనిపిస్తున్నాయ్ best of best list of insurance plans మీరు కూడా పెట్టండి
I already took 40lk term policy from Hdfc. Now planning to 60lk from LIC. Tnx for the vd
All the best Chaitu garu
Max life premium is low
Excellent education on term plans which required for every one.
Thank you srinivas garu
HIII
Sir you need term plan? i will give best plan
Manam chanipothu kuda mana vallaku money isthunnamu ante feel good kada
Sir నీను చాలా polacys కడుతున్నాను .వాటిలో risc covaraig ఉన్నాయి .అయినా term తీసుకోవాలా . polacys kadutunnanu గానీ వాటి గురుంచి ఇప్పటి వరకు సరిగ్గా తెలియదు .మీ videos చూడడం వల్ల మీము యెంతో నేర్చుకుంటున్నాను .చాలా thanks sir
Though iam charted accountant still I watch your videos,
Sai Annayya, Good Morning! I have taken a term policy when I was in job. I have been paying yearly premium and completed three years. Today I have no job, but continuing paying my premium. Tomorrow any miss happening happens, my nominee shall get the assured amount else these insurance company shall cheat by saying that no more I am not doing job. Please kindly clarify my doubt 🙏
geniune doubt ..pls answer sir
No venkatasuresh u will definitely get insurance amount if you continue to pay premium every year even u have no job..
@@nishanthakula thanks Meher, How can we substance this as you know myself wouldn't be present when situation comes. It really helps me to educate my nominee.
Hi Sai gaaru, if Someone taking 2nd term policy, is it better to take from same provider or different provider.
Anna I took the term policy 5yrs back and I am telling all near and dear to take it few are not interested with my explanation. So I can forward this video to them for easy and better understanding... thanks for this video it is very much required...
Don't waste your energy convincing others... You have taken a right decision.... Be happy...
ఆంధ్రప్రదేశ్ లో TERM PLAN కోసం ఐటీ రిటర్న్స్ తీసుకుంటే రేషన్ కార్డు తీసేస్తున్నారు గవర్నమెంట్ నుండి వచ్చే బెనిఫిట్స్ ఏవి రావడంలేదు ఆ భయంతోచాలా మంది ఇలాంటి TERM PLAN పాలసీ అవకాశం కోల్పోతున్నారు
I have taken Tech term policy from LIC sir
I took ICICI TERM POLICY with critical illness, since two years I am paying month basis. The reason I took this is because of sai sir only, I usually read enadu article every Thursday. Most of the sessions he suggested to take term plan, then I did some research and choosen icici.
Thank you sir🙏🙏🙏
Which policy
Umang is best
@@rohitmanoj2477 Umang is not term policy it is Whole Life policy
సార్ మీ వీడియోలు చాలా హెల్ప్ ఫుల్ గా ఉంటాయి.. నాదొక ప్రశ్న... నేను స్టార్ ఇన్సూరెన్స్ తీసుకోవాలి అనుకుంటున్నాను నాకు ఒకేషనల్ గా మందు తాగే అలవాటు ఉంది నేను అలవాటు లేదు అని అప్లై చేస్తే నామినీకి ఇన్సూరెన్స్ చేసే సమయంలో ఏమైనా ఇబ్బంది అవుతుందా....
Hello Sai garu, l am taking term plan this week
I already have HDFC LIfe Term plan. But the mistake I did is, I have cancelled my previous plan, which is for 60 and took HDFC life for 85 years (10 years pay term)
Hi jetendra,
I am 32 years old salaried & non smoker employee and planning to go for term insurance.
Could you please suggest the best one.
Waiting for your reply.
సాయి గారు నేను 2 year's క్రితం uti 15 years ulip plan తీసుకున్న
మంచిదేనా సిర్....
Please do a video on policies which support during physical disabilities Sir.
Good video. Simple explanation and clarity view about choosing term plan. I have taken Tata Aia 4 year back. Hats off for creating awareness.
Excellent video...many of my questions answered...I have a term plan which i took when i was 30 for 50l but after 10yrs 😊had a feeling its not enough and was planning this wkend to opt for a term plan of 1CR and had shortlisted Hdfc now i would like to look at LIC too. Thanks bro for your brilliant info on various factors. Keep up the good work..!!❤️
All the best bro
please sir guide us about the capital gains,as always u sir
deep involvement on the subject & for clear following
always looking for new video🙏🙏🙏 thanks
Hi Venkatarathnam garu, we have already uploaded a video on Capital Gains tax. You can watch the video in the link below
ruclips.net/video/z1izquk-3Hw/видео.html
Proudly I am saying I taken 1 crore policy
Thanks for your suggest us Sir
Oka company lo invest chesina tarvata, investor ki job profile / KRA em vuntundi annaya...& Partnership enni types untai, partner ayyaka valla responsibilities em untai ? Koncham detailed ga cheppandi...
Also do a session on insurance coverage in Mutual funds in certain AMCS. ATLEAST IT WILL HELP PEOPLE AT THIS COVID SITUATION
Noted andi
నా పేరు సంజీవరెడ్డి నేను ఇప్పటివరకు టర్మిన్ ఫ్రెండ్స్ తీసుకోలేదు నాకు ఇయర్లీ ఇన్కమ్ మూడు లక్షలు ఉంటుంది నేను ఏది తీసుకోవాలి నా యేసు 42 నేను ఎలా తీసుకోవాలి ఎల్ఐసి అనుకుంటాను
నాకు వేరేది ఏమీ లేదు నా బడ్జెట్ కి సరిపడినంత చెప్పండి థాంక్యూ సర్
SUPER SIR !!!
EXCELLENT ;
I WILL SHARE THIS VALUABLE INFORMATION TO MY FRIENDS;
THANK YOU VERY MUCH SIR
So nice of you Anil garu
LIC tech term policy is good one in recent times.👍good one Sai garu
పాలసీ on-line లో తీసుకోవాలా లేదా Off-line లో తీసుకోవాలా, పాలసీకి సంబంధించిన డాక్యుమెంటేషన్/హెల్త్ చెకప్ ఏ విధంగా ఉంటుంది.
Hello Sir, I have taken term insurance three years back with critical illness rider. Now i want to remove rider, I asked insurance provider they said not possible. Is it correct if once opted we cannot remove the rider in middle of the term plan.
Hi,
I am 32 years old salaried & non smoker employee and planning to go for term insurance.
Could you please suggest the best one.
Waiting for your reply.
Why are you removing critical illness rider
Sir meeru which company lo term insurance policy tisukunnaru
Hi Sai Anna
U r a Great brother n well wisher to all..
Thank you for everything... God bless you
Insurance గురించి maximum డౌట్స్ అన్ని క్లియర్ చేశారు., thank u sir🙏🙏,, i have 3 insurance plans( sbi life,, LIC & reliance Nippon)
Without even going through the content i liked it
Thanks andi
Mee too bro
ಸರ್ ನಾನು ನಿಮ್ಮ ದೊಡ್ಡ ಅಭಿಮಾನಿ... 😍😍
I am Took Icici Term Plan, Based on ur Guidelines, your Explanation was Very Good, To understand Easily. Common Man Also Easily Grab Ur Words in terms of Protection as well as Investment.
Thank you.
Thanks sir.. even i used to say to many of my friends to take term plan before any investment.. still pll have to educate
Thank you very much sir
I already gave my term policy last year
most welcome and all the best
Sir
Kindly explain how to file ITR-2 ...
Thank u sir👍💐👍
Noted andi
Super Sai Garu.... very informative... learnt something new on LIC...
I have been exploring on term plans since 3days..this vedio gives me more clarity to choose..thanks..
Sir,
I am salaried and my wife is housewife(No IT returns). I would like to take policy for both. Is it possible ?
Hi subbarao garu, in that case you can buy online and you can buy offline for your wife andi
Sai garu I purchased 3 months back with for 10 years payment option
All the best Satish garu
చాలా మంచి వీడియో చేశారు సార్ నేను చేయాలి అనుకుంటున్న. One crore Rupees కు ఖచ్చితంగా ఈ month లో అయినా రాబోయే నెలలో అయిన చేస్తాను. Thankyou very much సార్. చాలా వివరంగా చెప్పారు
Last 2 years nundi tesukovali anukuntune unna Sai garu, today decided to take term insurance. Thank you very much for your time for making very informative videos.
maxx life teesukunnanu sir
Hi sir. Now I am salaried. But after some years i may not. Will it effect any premiums? Or it will be chance for rejection of my policy?
Hi Sri garu, they take the conditions of the policy holder while insuring the policy, so they will not reject the policy as long as you continue paying the premiums on time
My Age is 26. I would take term insurance now. Thank u
I have new Jeevan Anand lic policy
Sai gaaru - health insurance meeda kuda oka video cheyyandi. It would be super helpful! Thank you
Is diversification required while purchasing TermPlan ?
I have HDFCLife...should I buy same for my wife too, or should I go with different company like MaxLife....etc
Can I buy more than one policy for self ?
Same doubt
Thank you Sir. How one should ensure all the provided details are correct in the policy if a person was already holding it to avoid last-minute claim reject. Is there any specific checklist?
Go through the entire policy document and cross check the details shared. If there is any mismatch write to the concern insurer and ask them to rectify it. they will process through an addendum Praveen garu
@@MoneyPurse thanks sir
Please make a term plan video best for working couple...like joint term plan
జంట గా భర్త బార్య ఇద్దరూ ఉన్న టర్మ్ ప్లాన్ గురించి వీడియో చేయగలరు అని ఆశిస్తున్నాను.
general ga insurance companies age ni batti premiun set chestay. Age yekkuva vunna person ki before maturity "claims payment" chances yekkuva kaabatti,
Alaantappudu after 70 years kuda term plan lo family kosam risk claim aasinchatam lo taphemundhi.
Meeru chebutunnadhi e video lo LIC company ki favour cheyyamantaara..????
Hi sir, thanks for your videos it's really educating us even my friends said the same thing after sharing your videos with them. I recently took term insurance and also checked lic e-term but lic e-term doesn't had waiver of premium just accidental rider alone.
Thanks and all the best Satya garu
Em policy tisukunna ru andi nenu planning lo unna
@@prabha4599 aditya birla term insurance which includes waiver of premium feature.
Sir, Is it good idea to buy term insurance from more than one company by dividing the required total sum assured equally?
The cost of the insurance will go up Mallik garu
థాంక్స్ సార్ 🤝🎊🎉. నేను 1. 1/2 ఇయర్ బ్యాక్ max లొ online పాలసీ తీసుకున్నాను మంత్లీ మోడ్ లొ ఆటో డెబిట్ క్రెడిట్ కార్డు లింక్.
All the best Dayakar garu
One of the best explanation of how term insurance helps. Kudos
Hi,. For more clarification Suresh Kumar M : 9963667905.
Sir have taken Birla Sun Life with sum assured 60 lakhs 3 years back.. now can I switch to LIC ??? Also now I want to increase my sum assured to 1cr ... Please suggest
Hi Naresh garu, there is no portability in Life insurance as if now so you cannot do that. If you still want to go with LIC then you loose your 3 years of holding the policy. Please consider that and then check the latest premiums and then take a call
@@MoneyPurse ok how do you rate Birla Sun Life policy ?? And does it make any sense for me to lose those 3 years and get into LIC ??? Or shall I take 40 lakhs policy in LIC which will make up to 1 cr including Birla Sun Life policy..
Hi
Sai garu,
Is it still advisable to take term insurance policy when you already have similar policy by you employer?
Employers will keep on changing as and we change our jobs and different employers have different conditions of insurance so it is advisable to have enough insurance other than employer Venkatnarayana garu
@@MoneyPurse Great. Thanks andi
Please also make video on best Health Insurance plan for people who already have Insurance from Employer.
Thanq Sir. I have taken 1 Crore term Policy 2 days back. And I want to get one more from LIC.
Which company sir?
Sir, I have taken max life term for 85 age and 1cr with 1cr accidents benifits. Now I am trying to take another term with sbi or lic is it good for settlements if any thing happens. Plz reply
Hi Kranthi garu, you may have to share the existing policy details with them, if they issue the policy with your existing cover into consideration then there shouldn't be any problem. Unless you don't share the existing policy details there shouldn't be any problem andi
Waiting for this video from long time
All the best Sai Ratan garu
Hi @sai ratan, I can help you on this.
Pls let me know.
Insurance Agency Services
9885758225
Sir Thank you so much..we are lucky because of you are born in Telugu state..
Hi Sir..
Thank you so much for your efforts..
I am 26
Suppose Mana term policy 65 years ki tesukoni ..and Mana above 65 kanna bratikithe manaki manam invest chesina money antha istaru..
Andhulo 2 types untai brother manam thisukune dhanni batti untadhi