Best Term Insurance in India | TERM INSURANCE COMPARISON | Life Insurance 2022 | Gurleen Kaur Tikku
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- čas přidán 13. 06. 2024
- Term insurance is the simplest and purest form of life insurance, offering financial coverage to the policyholder against fixed premiums for a specified duration .
Choosing and investing in the best term insurance plan is of utmost importance to anyone who has dependents.
So, here we are to help you out by comparing 5 Best Term Insurance Plans in India.
1. LIC Jeevan Amar Plan
2. ICICI Prudential iProtect Smart
3. Max Life Smart Secure Plus Plan
4. HDFC Life Click 2 Protect Life
5. TATA AIA Sampoorna Raksha Plan
WATCH OUR VIDEO FOR MORE DETAILS :)
✅ To buy insurance policies, click here - hareepatti.com/contact-us/
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✅ TIME STAMPS
0:00 Introduction
1:19 Term Insurance Companies Background
2:43 Assets Under Management
3:23 Amount of Death Claims Paid
3:56 Comparison of Term Insurance Plans
7:48 In built Benefits in Term Insurance
9:04 Optional Riders in Term Insurance
10:13 Death Benefit Pay Out options
11:46 Term Insurance Premiums Compared
12:38 Conclusion
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📞 Call : 9650706699
💌 Mail us at: info@hareepatti.com
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#terminsurance #lifeinsurance #gurleenkaurtikku
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 17 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video. - Krátké a kreslené filmy
Thanks ma'am for this informative video.
Thank you ! Keep watching :)
@@GurleenKaurTikku mam term insurance cancel hone ki probability kitna hai(any previous data) and kyu hota hai??
@@GurleenKaurTikkudidi smokar ke liye primiam nahi batai or kitni age me kitna primiam eshpe ek vi banaye please mera pyari pari sister
Madam
You nailed it. Such a great job. Perfectly explained visually and verbally
Thanks a lot 😊 Keep Watching !
Thank you soo much Mam. Really appreciate your hardwork on these videos. God Bless you and your team :)
Thanks a lot 😊
Thanks Ma'am, please keep posting this type of comparative videos..
It is very much convenient to us to choose based on personal criterion.
Sure 👍
You will see many more comparison videos on our Channel soon 🙂
Which is better madam policy regular or one time
edelweiss Tokyo term plan liya hai usi company ka bharat immediatepay out plan and one sip lekar combination banau to better rahega kya
Gurleen ,good job, great work, keep helping us, thanks so much
Thank you, keep watching & do Subscribe for more such informative videos !
You earn a subscriber. Good briefing on term plans
Which riders one should opt for
One Question,
Is AEGON is good insurance company? It will survive for 30 years?
Mam.. term insurance company change karne ke liye port kar sakte hain?
I think the higher the Solvency Ratio the better, with minimum solvency ratio mandated by IRDAI as 15%. I am not sure why we would consider solvency ratio below 20% as good.
Very nicely explained Mam....thank you.
Thank you 😊
Can I buy whole life term insurance as a inheritance planning for my family / kids
Kya lic me ab single one time premium payment ka option nahi he kya? Pls reply
बहुत अच्छी जानकारी 👍🏻 thanks a lot 🙏🏻
Thank you jee, keep watching 😊
After the completion of policy term kya premium returnable hota he ?Kitna cut deduct hota he ?
Excellent mam, one video clarified many doubts
Keep watching jee !
💐🙏Medam, Very nice and useful guidance. Thank you so much.
Glad to hear that, keep watching & do Subscribe for more such informative content !
Mam, I have a PLI of SA 10 lakh and at age of 60 total return is 24 lakh and paying premium 3221 PM. One suggest me to split 3221 in hdfc life of 50 lakh Term plan and remaing premium to invest in MUTUAL fund. Is the suggestion Is reasonable?
LIC Tech term is pure vanila term plan. It may be the most cost effective term plan. You should have to include it.
Is it include under which section of tax rebate
Very good Data based information, Thank you
Glad it was helpful!
Thanks best knowledge given to purchase policy
Thank you jee, keep watching !
maam is bajaj allianz term insurance policy not good or what??
Very Informative video cover all important aspects
Glad you liked it, keep watching !
Sbi life ke term insurance accha rhega kya?
Should I go with Tata Ai or with Max life???
Very beautiful differentiate ver helpful... 🙏🙏
Thanks a lot, Keep Watching & Do Subscribe 😊
Hello ma'am, can you please tell me,
Is it good to having a term plan from bharti axa? Is their claim settlement ratio good enough?
Hi, You can check the claim settlement ratios on the IRDAI website.
If you want assistance from our team in deciding a suitable term insurance, connect with us on WhatsApp/Call at 9650706699
Thanks
Thanks a lot maim for this information
Thank you , Keep Watching 😊
Wonderful explanation mam👌🏻👌🏻❤superb💥🤗keep it up💐🎆
Thanks a lot 😊
Ye policy kya equity me invest karti hain..?
ਧੰਨਵਾਦ ਜੀ 🎉
Hi mam,
I just want to ask one more thing that does LIC provides add on riders like Waiver on premium on disability or Critical illness in there tech term plans?
Tata aia pr 2 is best investment k saath security approx 23% return de rahi h mujhe
Canera hsbc term plan kaisa rhega mam plz suggest
Mam , bahut hi achchhe se samjhaya aapne
Thank you jee, keep watching !
Why you're channel is so much good
Thank you ma'am ❤️
Thank you jee , Keep Watching & Do Subscribe ✅
I also would like to add a point here. I was told that in Max Life insurance policy we have option to increase our SI yearly, as our salary eligibility also increases along with salary hike. Over all it's the only best Life insurance we have in India.
Ghanta
It's just jumla, its just like taking separate cover for that amount. No discount in premium.
Thank You mam 💞 for your lovely support 😊
Thanks, keep watching !
While going for increasing Sum Assured, will the company tell us how much the premium is going to increase or they increase according to the inflation?
You will know before opting the percentage increase in sum assured that will happen every year
@@GurleenKaurTikku What about the premium ma'am? Would they tell me at the start itself, how much it would be increasing?
If you opt for increasing sum assured your sum assured will increase from 50 lac to 1cr in 30 yrs term as taken example in this video. But you have to pay 50% extra premium from normal. The premium will be fixed but the sum assured will increase every year
@@purivlogs769 Thank you
Is degree compulsory for taking term plan in ICICI PRU?
10 th pass will also can buy subject to income and occupation.
Tq sooo much for good information..
Thank you jee, keep watching 😊
Very helpful vedio.
Glad to hear that 😊 Keep Watching 👍
Very nice vedeo madem ji.please make a vedeo on ipbp bjaj alence term insurence.Ye kafi ssta b de rhe h iska claim setlment h ki nhi .
MAM BHOOT BADIYA BUT LIC ME BHI 15YEAR TAK INSTAL MENT ME LE SAKTE HAI INTEREST BHI DETI HAI LIC
Mam mere pas tin term policy alag alag company aur alag ammount ka hai to sabka milega claim ki nai
muje dibities hai to kya muje icici ka health n investment plan mil sakta hai. ekbar reject ho chuka hu tab muje pata nhi tha diabities k bare me. agar me apni dia bities ko achhe se control karlu to kya ye term plan muje mil sakta hai. please tell me
I have one question related to sum assured in case of death during policy term. In case person has 1 policy of 1cr.then co.will pay death benefit but in case there are 4 policy each having 1cr.as sum assured then in that case nominee will get 4cr.or 1cr.proportionate from each co?
Yes, can claim for term insurance from all 4 companies
Term insurance for Mariners please give some insight for a better decision
Pls help me what I do to complete term plan of 50lacs with one yr itr my clients age 30 he having one yr itr salar 70k working in reality estate ofc pls suggest me how can I complete
Hello didi me Max life smart Welt pla liya hu abhi 2 sal vi nahi huaa hai
Yearly 50,000 pay karna h 10 sal tak..
Fir 12 wa sal se 45,000 dega 19 sal tak..
Fir 30 wa sal 5 lakh de dega
Kya yah sahi hai ya fake hai
Hame continue karna chahie ya cancel karna chahie
please reply me
Mam agar term plan lene ke baad agar koi private company ya lic bhaag jati h ya iska diwaliya ya fraud ho jati h tab jo hum paisa deposite krenge uska kya hoga
Annual income is 4.4 lakh. Want to buy 1cr term insurance. Only Bajaj Allianz and PNB MetLife are giving 1cr opportunity. HDFC, Max Life are giving maximum of 50 lakh. Unable to apply for ICICI because the income is less than 5 lakh. Should I go for reputed brand for 50 lakh with increasing cover or to Bajaj/PNB for 1cr?
Madam Bajaj Allianz term policy is the best
Can we add more than one nominee to one policy? Also when working abroad currently, is a medical test mandatory?
Thank you mam it is very good and informative video.but after watching your video I checked tata AIA plan but as you said it has increasing SA it doesn't have increasing sa plan.
Thank you , keep watching !!
Very nice your video no.1 information..
Thanks a lot !
Good explained madam ji
Thank you so much mam for the informative video.. I have been watching multiple videos today about term insurance... Probably my search ends here... One humble request from my end is that if you can speak in english throughout the video guys like me can understand it way more better...
Thank you so much ! Keep watching !! 😊
Mam please can you say about bajaj allianz i bought a plan of smart goal so is it right?
Hi, we haven't done a detailed review yet, but we will soon. Then only we can comment on any particular plan.
Keep Watching 😊
Thanks
Complete information in one video
Thank you, keep watching !!
Mam what you think about canara hsbc insurance company
Mam, ur performance is very exlaint
Thank you so much , keep watching !
Good information thanks mam.
Thank you, keep watching !!
Max life me smart secure plus plan me 25 lacs ka sum assured available he?
Hi Mam, term insurance ko agent ke through lena chahiye ya directly online.. Maine 4 years pehle online Aegon amd max life ke term insurance karaya tha.. Agent ke through na karnae se koi ghata hoga kya?
Hello jee, We can't comment on any other agent or any online platform . We can only guarantee our services as an Insurance agent & a financial advisor.
If you wish to buy a policy or need any kind of assistance , feel free to get in touch with us on WhatsApp/Call at 9650706699
Thanks
Its like same error to show detail of lic ...only showing private sector good things....mam. Lic also offered deth benifits in installments which u selected at policy time.second lic offer accidental deisibility nd illness rider which choose by customer depend...
Gureeln ji, thanks for the video, please let me know your view on SBI Life term insurance....
Thank you so much jee, keep watching 😊
one thing is odd here.
when we say minimum sum assured is 50lakh and they have paid around 14000 claims then amount should be minimum 14000*50 that means 7000 crores not 1500 crores.
Mam should i go through Policy Bzar to buy term insurance.?..i think Policy Bzar gives us dedicated Regional Manager..
We can't comment or guarantee services from any company or online platforms. We can only guarantee on the services we provide in case you want to buy a term insurance.
Feel free to connect with us on WhatsApp/Call at 9650706699.
Thank you
I bought the icici one with no riders since i have a pretty comprehensive health care plan already. Got it for ₹995/month @23 till 65 years of age.
Thank you very much Mam.👌👍
Keep watching !!
Mam, Bajaj smart protect goal plan is good or not? Pls suggest
Do you want to know more about Bajaj life policy plan??
Informative video..
Thank you so much !
Give your opinion in
PNB MET LIFE MERA TERM PLAN
1 CR.
1150/- monthly Premium
Till 65 age
For 33 years
No Rider
How ist?
Bajaj Allianz kaisa Hai mam, mere salary ke hisab se yahi h jo 1cr cover Kar raha Hai, par mujhe thoda thik nahi lag raha, abi medical test aur documentation baki Hai, please help us
Very informative video. Amazing content. How about bajaj Allianz? Is it a good and comparable option? Kindly suggest
Thank you for liking our content.
Answering your query, Bajaj Allianz is a god company as well.
We were not able to compare all the plans as it would be more confusing for our viewers.
Thank you 😊
Hii if you are intersted plz contact me
Kya BP , Diabetes wale ko term insurance milsakta he
Any policy for existing cancer person..🙏
Madam Very nice and informative video
Thanks a lot, keep watching !
Madam, Kindly advise policy should be buy online or offline
You should buy it through an experienced & reliable insurance agent if possible.
Otherwise you can check online if it's more convenient for you.
For any queries, feel free to connect with us on WhatsApp/Call at 9650706699.
Thank you & keep watching !
Mam critical illness honey par policy primium nahi dena padega
Madam,I am railway employee with old pension scheme.Shall I take term plan with riders or with out riders,Madam please suggest me.
yes
Apne kaun sa kra rha h ....mem
Good information mam thank you
Keep Watching for more such informative content 😊
Mam apke isaba se konsi policy leni chahiye
Depends on your requirements. You can connect with our team on WhatsApp/Call at 9650706699.
Our team can assist you 😊
Can anyone be sure of receiving claim against his/her term insurance claim once it has completed 3 years?
Dear ma'am, I will regularly watch ur video, I have taken LIC, Tech Term (plan no. 854), it is equal to Jevan Amar but it's online policy, therefore premium is less than ICICI, HDFC term policy. While Jevan Amar have highest premium in video...
Yes, LIC Tech term is online plan of LIC with lower premium
Really thanks a lot for information
@sanket did u already bought lic tech term 854 plan how much is your yearly premium and any riders also u took and is policy issued now on ur name or still pending?
Nice video mam thank u
Keep Watching !
Hello Gurleen Madam,
I have Aegon life Term insurance and currently it's 4 years running of 1 crore term coverage with 36 critical illness so please advise on this
Continue
Get sick to waive premium or die for the amount bro
Amazing video.
Thank you jee !
Mam. I have an idea for institutions like yours. You are helpful when claim arise. And this is only selling point left for offline policy. Then it also will not exist when private insurance company invent a parameter to sell their policy called " how easy their DYI claim procedure is". This is already in place in developed nation and you may be knowing more than it than mine. So what if you extend claim settlement assistance in chargeable basis for online policy holders also. Obviously if it is not illegal.
Thanks for your suggestion!
In Tata AIA Term policy ₹ 50 lakh cover policy it is in built policy like Accidental benefit,Critical illeness,hospicare,permanently disability amount is divided into different part.
Hii i am emloyee of tata aia life insurance please msg me if you are intersted
Yes I want tata insurance @@poojabind4912
Kitna premium aayega monthaly basis
While searching for term plan, I came across a term 'amount settled ratio' & it is 80/87% for Hdfc and icici. Its 98% for Max life. I have 1cr term plan from Hdfc, want to add 2-3cr more.
Q1) does amount settlement ratio holds significance, and if so, does Hdfc and icici are bad in that sense. The data I read was not verified
Q2) as it is said that Pvt companies tend to reject large claims, shall we take multiple small term plans from different companies?
1. The ratios will keep on changing every year, focus should be on policy benefits- credibility of HDFC and ICICI is equally good.
2. No such data to support this, please disclose everything properly to avoid claim rejection
@@GurleenKaurTikku How is the credibility of Max in comparison to HDFC and ICICI?
Mam.. Through sum light on health insurance
@@shyamj1321 We will bring our Top 5 Health Insurance Plans soon. But in case you want to buy a plan or want any assistance, connect with us on WhatsApp/Call at 9650706699
Thank you !
@@GurleenKaurTikku 2) still, assuming of rejections on huge sum assured , could we go for multiple term insurances from same or multiple providers?
Thanks for Video
Keep Watching !
How is bajaj in terms insurance? They have cheapest premium
Great work Madam
Thanks a lot !! Keep Watching✅
madam which term plan for house wife