Term Insurance | Understand Term Insurance in 20 Minutes
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- čas přidán 25. 07. 2024
- Term insurance : Best term insurance kaise dhundhe. Discover the advantages of Critical Illness, Terminal Illness, and Accidental Death benefits. Explore flexible payment options and easy claim settlement. Make wise decisions to ensure a secure future for yourself and your loved ones.
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00:00 Intro
02:05 Difference between term & whole life insurance
05:05 Ideal cover for term insurance
08:00 What are life stage benefits
09:20 Important of rider
09:30 Critical illness rider
10:00 Terminal illness rider
14:00 Accidental death benefits
14:42 Waiver of premium
15:20 Option premium payment & claim payout
17:30 Where to buy term insurance
Buy Online Term Insurance (Upto 10% Discount) - bit.ly/3S9ALve
Health Insurance Plans (Online Discount Upto 25%) - bit.ly/3vKRmhs
Hdfc ka cancer cover rider k बारे m बतियाते sir
❤Please make a detailed video on Loans ❤🙏
You missed one point of to take regular plan or zero cost plan of term insurance
Bada vivek and chota sandeep 😂😂😂
Very honest requests don't buy insurance from policybazaar. Please explore other platforms also. Until you understand all the insurance terms. Policybazaar will force you to take insurance. It's important to take insurance but be careful for mis-selling insurance products. It's your money 💰 not any youtubers money so first you learn and understand then buy product from official website. One more important point please record all the things when you are buying insurance from any third party insurance aggregator/broker platform like policybazaar.
They're a huge pain in the a$$
ara bahi mast creative hai tera team toa Vivek and Sandeep ka best usage la raha hai 😂😂😂😂
Bada Vivek vs Chhota Sandeep😂😂😂
Thanks for awaring us and making things simpler 🙏
बहुत अच्छी जानकारी दी है । सर
Bada vivek.. chhota sandeep 😂😂😂
😂
Bhai policy bazar Wale to sochne ka time bhi ni dete...aapne search Kiya aur phone aane chalu
Mere sath bhi yahi hua, sales executive aaya milane bola check karta hun kya hai aapko best offer vagaira aur yah bolkar usne policy bhi book kar liya Bhola ki kaun se bank mein account hai batao check karta hun unko credit card se usmein payment bhi
Aabhi sales executive a raha hai naahi manager phone per baat kar raha hai
Good work sir….. if I have more likes in CZcams then 1 cr likes I will given…..super knowledgeable video ❤❤❤
Well explained, Thank u sir
Thank you so much Prasad sir for making this video. I got to know a lot about term insurance from this video. And names you used in examples were best: Bada Vivek and Chhota Sandeep😂
Nicely explained
Thanks Prasad Bhai 🗿
Thanks sir series chalu hi rakho
Aap se request hau ki aapki wo series jisme aapne the person who changed india ko continue kijiye.
Best ever channel anytime.... Thank you Prasad to spread these type of financial information
Ekdam sahi hai 👌🏻
Accident includes only road accident or wear and tear as well??
Good ideas and useful video thanks
Thank you.
Policy bazaar doesn't show all the policies. They restrict the company data
Hey prasad,
One of my friend did interesting thing
He bought term insurance till 90 or 100
He said, I think I'm certain I won't live that much by taking longer term can't I ensure I'll get term insurance always
Very detailed and transparent information as always loved it❤💯👍💎
Sir Edelweiss tokio mai better half benifit rider plz explain . IRR is high if both husband and wife take . Plz make a vidoe on it if possible.
Husbands ke name pe term h aur wife nominee but dono hi kisi accident me mare jatey h to paisa minor y kisi aur ko milega y lapse ho jayega?
Please make a detailed video on Loans ❤🙏
But what if i want to buy insurance with higher cover without ITR/salary
Thankyou ❤❤❤
Akhir prasad bhai ne bhi chupke se VIVEK BINDRA VS SANDEEP MAHESHWARI par apna view de diya
Very nice Prasad, really nice
Parsad sir pse make a vedio of term insurance for defence personnel..
Thanks in advance
Online and through advisor same amount ata hai instead of buying online buy offline through agent which is know by your family because after you only he is the person which will help to settle claim for your family
Best 1st minute intoduction ever😂😂😂
Sir ek stock hai (SG MART) ISME kya chal Raha dekho jara
Maine Bajaj ka Eterm plan liya hai 50lakh ka..
jisme maine 45 saal matlab 70 saal tak ka regular pay choose kiya tha har saal ke liye.. paying term tha.
lekin jab mai apply kar rha tha
tb agent ne pay till 60 bolke or 62,000 ka savings bta ke
mujhse extra 10 saal ka premium usi me add karwa liya.
jabki maine bola bhi tha
ki pure 45 years tak mai pay karunga..
jabtak jinda hu tbtak.
khair...😅
koi nhi
jo jo mai chah rha tha
wo sab mujhe us term plan me mil rha tha..
isliye chhod diya..
ab mera plan me mujhe 35 tak pay karna hai
or mera plan 45 matlab 70 saal tak chalega..
or total 35 saal ke liye mujhe 2 lakh 97,000 rupay dene pade...
jo ki aegon life wale term plan se bhot achha hai.
usme to mujhe 5.5 lakh pay karna pad rha tha...
😢
jabki maine policy bazar se usko dekha tha..
In case of terminal illness will get additional cover or amount will get debit from base cover?
Additional Cover. You can also check this in the policy document.
Bhot sari componies financial independence aane ke bad term insurance surrender krke premium ka jma kiya amount return krne ki bat krti he is bare me aapne nhi btaya
Nice sir
check tata aia wealth term insurance kindly give total policy exposure
Good 👍
Only term of 1 crore ❤ for 60 years with Rs 11500- Job service period
And balance for 80 age premium start SIP till 80 age
True
Good 👌👌👌👌
Amber enterprises pe video titagar wagon jv & pcb company equer.
Very Nice..also make a video on Medical Insurance
Already covered, Plz check our recent videos
Not promoted to policy bazaar sir he's sell ullip as a retirement plan
Bhaiya muje ek chij puchni h mere pas irfc,rail Vikas ,india renewal energy k shares h pr uspe grow pledge nhi krne derha h
I would like to know what precautions the family has to take and what problems may arise on payment of drum insurance in case of suicide.
Suicide within 12 months of buying policy would lead to claim being rejected & premium would be return to the family members after few applicable deductions. Plus the claim within 3 years of buying policy attracts extra scrutiny. Please read policy wording for more details since there is a whole section dedicated to the topic in all policies.
Agar koi endowment scheme se pull off karta hai toh kitna penalty lagta hai?
You will have to check this in your policy document in the surrender section. Endowment policies are designed in a way that makes it very hard to pull off and it costs money.
Policy bajar wale pagal kar dete h call kr ke...I will recommend to buy policy from company website
Sound itna low kyun rakhte hai.....
Agar koi policy lete waqt alcoholic nahi tha but bad me alcoholic ho gaya aur kuch saal bad usaki deth ho gayi to kya claim rejecte hoga
Claim won't be paid if a person dies of intoxication. But why do you ask?
Jeewan jine ke liye jo chize necessary hai wo sb chize mahangi hai bhaai sahab
Thank you sir 🙏
Policy bazar bahot pareshan karte or incase AAP bole intrest nahi hai to 2 baat suna bhi dete hai
Critical illnes rider is other than main insurance amount. Thats why its called rider. Your main policy remains inforce for full amount.
Ishme sir kya, accident death bhi cover hoti hai
Yes
If anyone would like to buy Policy than buy from direct company not a third party payroll
Fun and Finance......📈🤩❤️🙈📈
Mai Chota Sandeep hu
Thank you Sir 🙏🙏🙏🙏
Hi prasad and finnovation team can you make detail video on zee ent ltd share analysis and what should we do after called off merger by sony ? Will zee going to bankrupt ?
Why are you holding a scrap stock? There is no future of this company, especially when high management people are under trial in court
Apne ghar se aap apni saari taswire hata dete h ✌️😅
😅
😅
Bhai tumare videos lambe kyu ho rahe hai
Dear sir i would request you to guide me that i am planning to take a term policy for 70 years as my son is only one year old and i am 40. But My retirement age is 58 that is in 2041 so i would like your opinion about this. Shall i pay premium till my retirement or till 70 years
Go with 70 years. Regarding premium payment if you have no dependents then you can stop paying whenever you like.
Plz sir term insurance kaise le means detail process kya hai
True advisor contact us
My wife in govt job so which type an for how much amount term ll be better??
Depend upon your situation true advisor contact us
17 hrs me 4 thumbnail changed 😅😅😅 whaa prasad
Nice name choosing Prasad sir 😂Bada n Chhota
Prasada sir police bazaar apko keteba paisa deia he
video ke last 20 seconds suniye
Wrong information bro
Critical cover amount not deducted in some company we can verify company to company t&c
Like for chota Sandeep 😂
I m 12pass graduation nahi hai to nahi le sakte kiya 3L annual income me
50 lakh ka mil jayega. TataAiA me eligibility mil jayegi. Check once with policybazaar
@@KishanKumar-gh3gu but premium hai High hoga na
iska 4 solutions hai.
(1) ache claim settlement wale hi company choose karo, HDFC, ICICI, MAXLIFE, TATAAIA bhaele hi thoda mehenga pade
(2) payment term hmesa jitne saal ke liye insurance le rahe ho utna saal tak payment term rakho
(3) agar fir bhi affordable nahi lage to fir cover amount 30-40 ka kar do.
(4) cover aap aapki 65 year ke hone tak hi rakho kyuki us time tak aapka bacha sayad working ho jayega us time aapke na rehne se financial burden unpar nahi aayega.. jitna jaada age tak ka cover loge utna primium badhega.
Agar baar jo primium ban jata hai wo same primium rahega life time.. aage aapki salary bhi badhegi. agar aapko lagta hai ki apke na rahne se 20 lakh suffient hai aapke depedants ke liye to utne ki policy jo.. agar jada ka le pao to acha hai but apni annual salary ke 20 guna se jada ka cover nahi le sakte.@@azmatalimirza4926
ekbar ye wala video bhi dekhlo for more clarity.
czcams.com/video/mBa7qRuxOKM/video.html
Jitna kam age utna kam primium. agar aap 25 saal non smoker ho to aapke 5-6k me 50 lakh ka cover mil jayega. wahi agar aap 30-32 range me hot to fir 10-12k
@@azmatalimirza4926
Sir annual income Kam dene par zada life cover nahi mil raha hai, annual income ka 20 guna nahi ho raha hai, aiseme kya kare?
IRDAI has directed all life insurance companies to launch at least one simple term insurance policy with the name " Saral jeevan bima ". The insurance companies can't deny anyone this policy on a low income basis.
Aap ki CTC ka 25 time provide Kiya jata hai true advisor
@namaskarprasad
Bada vivek and chota sandeep 😂😂😂
Wahh, controversy me aap bhi jump maar rhe ho
I think Prasad sir is referring to bada Vivek Bindra and chota Sandeep maheshwari 😅😂😊
Terminsurance Lena age 51 .give suggestions
Premium high rahega true advisor
I am currently single, and there are only two members in my family. Me and my mother. If I take a term insurance, and I make my mother the nominee, can I change it later? Suppose when I get married.
Yes
Sir me abhi 18 saal kaa huu par Mee future Mee shadi hii nahi karne vala huu to muje konsa insurance lena chahiye please muje reply de dijiye gya ???
Health insurance and one traditional plan
Teri shaadi na karne ke vichar par thoko thali
I'm assuming you want to buy insurance for your parents. Then go with term insurance for lower cover and shorter term. In case something happens to you your parents will get a claim.
no Vivek only "chota Don" 😂
KYA STORY HAI SIR....😀😀
VIVEK (VIVEK BINDRA )VS SANDEEP MAHESHWARI CONTROVERSY.🤣😂
Background music 😢
❤
Prasad, sorry to say, but after sales services from insurance company is not even at basic level, when one is purchasing policy online. I have purchased my health insurance from ploicy bazaar of earstwhile Religare (not it is CARE). This policy is more than 6 years old. Now, CARE is not even answering me for simple query, and their local office is also not assisting. They are just arguing that you have taken policy online so local support will not be provided. I have complained to the IRDA also and matter is still un-resolved. So, in short my experience of Policy Bazaar is not good and on the contrary I am now not able to get support from insurnace company. In such scenario, I an very much worried, that if there will be a claim situation how it will be done??!!!
Just do one thing go to any nearby empanelled hospital and ask them that I have this xyz insurance so if something happens to me then will you guys consider it or not and if yes then whether it would be cashless or I have to pay something initially.
Usually if you are in tier 1 cities you will get lots of empanelled hospitals easily just go and talk to them separately and ask them regarding this.
This is the same thing that I have done before buying insurance and beleive me this thing helps me alot.
Adventure sports karne m death hota hai toh claim nahi milta hai suna hai...
Yes... you heard it right
Yes answer by true advisor
Controversy
Me and my wife both are Doctors and we are earning good enough have no debt
Have hood savings and Investments
Should any of us go for Term insurance?
If you have sufficient saving and investments which can cover your retirement expenses. Then you can skip.
Good
Introduction is the reality😴
😃
bhai kitne bar thumbnail change krega😂
Who will stand with Sandeep Maheshwari sir🎉
Like those who haven't taken and Life insurance till now
MARNE K BAD KESE MILEGA USPE VIDEO BNAO BOSS🤍
Okay!
Vivek bindra or Sandeep maheshwari 😂😂😂😂
Chota sandeep, bada vivek is trapped
प्रसाद सर
पॉलिसी बाजार चा अनुभव काही चांगला आला नाही. जे ऑनलाईन असिस्टंट आहे ते व्यवस्थित सपोर्ट करत नाहीत, व्यवस्थित माहिती देत नाहीत त्यामुळे पॉलिसी बाजार वरून पॉलिसी घेण्याविषयी मी ना खूश आहे.
1st viewer
Vivek Sandeep 😂😂
Bada Vivek 😂
Nai dabana tha... 😂😂😂😂
Ye ad dekhte hi gussa aata hai mujhe shakal dekh ke ladies ka
Chota Sandeep
Bada vivek ne to apni biwi ko pita tha 😂😂😂