😡Term Insurance में एजेंट/ कंपनी कैसे बेवकूफ बना रहे हैं 😡😡
Vložit
- čas přidán 27. 07. 2024
- Term insurance: term.lla.in
Get the Best Life, Health and Vehicle Insurance: link.lla.in/policy
.....................................................
💸DEMAT Account: link.lla.in/Demat
.....................................................
Groww Mutual Fund App: groww.app.link/WF0kp8DjN4
.....................................................
Thank you for such tremendous support on the term insurance video. Here is the Q&A/follow-up video in which I'll answer most of your common questions on term insurance. A lot of you didn't understand why I advised against limited pay and return of premiums, hope you understand the real picture this time.
Read blog in English: labourlawadvisor.in/blog/term...
.....................................................
Chapters
0:00 Intro
1:40 Section 45
4:50 1-day claim settlement
5:26 Should you close ICICI or Maxlife?
6:34 Force Majeure
8:31 Physical Medical Test
9:15 Buying online gets claim rejected?
11:08 LIC's best term plan
12:06 LIMITED PAY
17:25 Best option
17:51 Return of premiums
19:14 Can you buy multiple-term plans from different companies?
19:46 Sovereign Guarantee
22:56 What if I start smoking later?
24:45 IRDA data specifics
25:33 Why people don't like term plans?
.....................................................
PLAYLISTS :
Money Frauds You Must Know: link.lla.in/LLA-PL-Money-Frauds
Life Insurance Guide: link.lla.in/LLA-PL-life-insur...
Demat Account Guide: link.lla.in/LLA-PL-Demat-Acco...
Income Tax: link.lla.in/LLA-PL-Income-Tax...
Jagruk Talks S2: link.lla.in/LLA-PL-Jagruk-Tal...
Business Basics: link.lla.in/LLA-PL-Business-B...
ABC of Personal Finance: tinyurl.com/LLA-Financial-Adv...
Labour Law Crash Course Series: tinyurl.com/Labour-Law-Crash-...
Social Security Schemes: tinyurl.com/LLA-Social-Securi...
_____________________________________________________
Follow us on Social Media📲
Twitter: link.lla.in/LLAtwitter
Instagram:
Telegram: t.me/JoinLLA
Facebook: link.lla.in/LLAFB
_____________________________________________________
📝LLA Blogs: link.lla.in/Blog
📰Get the LLA newsletter for FREE: labourlawadvisor.in/newsletter/
🕵️Employment Consultancy, Contract Review, Salary Structure Review: www.consult.lla.in/
.....................................................
Money-Minded Mandeep:
Instagram / labourlawadvisor
Twitter: / 0mandeep7
.....................................................
#LLA #terminsurance #lifeinsurance
Term insurance: term.lla.in
Get Best Life, Health and Vehicle Insurance: link.lla.in/policy
💸DEMAT Account: link.lla.in/Demat
👕Buy Jagruk Janta T-shirt: link.lla.in/merch
Hey, I was planning to purchase term plan for few months but just got delayed. Now, I am COVID positive, how to approach the team now for term plan? Any idea?
It'll be very difficult, try getting one.
If you get to know more about it, please let me know as well at esipfadvisor@gmail.com
Sir bhut khoob
Bus ab ek chiz aur bta dijiye
Ye 12% par invest khaan krein?
Hii, I was a smoker for almost 8 years. From last 1+ year I've totally quit smoking and never do it again.
Can I take a Term insurance declaring that I'm a non smoker? What will be your advice in this?
Thanks
Surajit Das.
@@LabourLawAdvisor LIC ka policy ka link kaha hai.
Why don't they teach about financial well being in school/college. Lot of ppl sadly don't figure these out till their careers are over
Unfortunately
Very true Sundar... i cant stop myself commeting on your awesome comment.
@@LabourLawAdvisor hello sir ....I am facing problem in purchasing lic tech term plan online.....While I entered my details there is one column to select the city ..But there is no option of my city ....Even we can not type in that particular column.....There is no column for pincode also ....While I entered nearby city it shows it dose not match...!! What is the solution for this....I tried to contact head office but didn't get any response from them...pls guide
Sundar - That's the main problem of our education system. They are not preparing students for real life scenarios but just some old bookish knowledge which might or might not be relevant in today's age.
@@LabourLawAdvisor yes unfortunately friends. I tried to buy term insurance today online and found lic,hdfc,tata offer premium more or less similar
You're doing a great service to the working middle class people like us. Thank yo so much brother.
Koi great work nai ha etna gehrai main jata hai k confuse karta ha... LIC ki policy ko piche kYu rakhta ha jabki LIC har ek cheez main aage ha
@@manishgautamvlogs1447 aap agent lg rhe ho LIC k
@@AshishSharma-lt5vx yes u r right ..
Indeed 👍👍
@@manishgautamvlogs1447 Lic best
Superb man , Superb way of explanation. Even if people are highly educated but they are not from the accounting fields - there is a chance that they will also opt for wrong option when choosing Policy because they are not having knowledge in that specific field even after being highly educated, for those king of people you are like a blessing who can easily understand that what truth you are exposing behind those rider plans and etc etc. Thanks a lot for wonderful explanation and looking forward to see more suggestions from you for investment plans as well just like this term plan explanation.
Brother, I agree with the Idea of investing in SIP simultaneously to cover the premium cost and earn more return than what the company returns, but to be frank this is just generating the motivation to invest. I am 24 and have taken Bajaj Allianz term plan, with a 10 year pay, payment to be done annually, which is way cheaper than monthly premium payments. Might as well save the difference on monthly premiums and invest that in SIP/RD/ stocks! This way you will have to shell less money for SIP investments and will be able to be on cash as well. Instead, you could've focused on the decision making progress to buy the plan. Even if the amount is 40k per annum, it is still better to pay than to remain anxious and worried about dependents during these uncertain times. Cheers! Good video, btw.
Labour Law Advisors should start counseling over phone/app/website in affordable fees.
People like me who has zero knowledge about tax, investment etc etc...could clear all doubts.
[Mera jitna vi knowledge hua...aur jitna jagrook bana...wo sirf is channel k madad se....Rishav & Mandeep sir & your all team love you a lot]
Abousulty right no doubt sir
"Farak aapko toh padhega hi nahi kyunki aap toh ja chuke hai" XD
Best line XD
Very well and beautifully explained especially the concept of limited pay and return of premium. You are doing yeoman service to the people. Keep up the good work. Pl inform which term plan of lic is best Tech term plan or Jeevan Amar plan no 855. Awaiting your Frank reply
Bilkul sahi baat sir app ka channel sabse badhiya channel laga sir itna saaf Sutra koinehi batata financial education aur ye sab chize itne sahi koi nehi samjha pata app jaise great job sir 🙏
Thanks Mandeep !!
Awesome Video covering all my doubts regarding Term insurance and thanks for helping by guiding us on how to think logically and rationally from different perspective while getting into any insurance plan or any other investments. 😉
A big Thank You !! And Hope the channel makes it to 10M+ Soon.
Bro, I am blaming myself for not subscribing your channel any earlier. In recent times, I've watched some of your videos and trust me you are doing a job which is beyond any recognition. In a digital age, where every company, every agent finds loop holes to thug consumers, you are educating all of us. This is certainly changing millions of lives. People watching your videos will educate their family and friends and can take more correct decisions. I truly appreciate your efforts Hats off to you and your team.
By the way, don't mind people abusing and giving negative comments on your videos. They are worthless and as as you said might be agents looking to fill their pockets. Anyways can;t blame them they got to feed theirs. But please ignore them and keep up the excellent work.
God, why didn't I find your channel earlier!!!!!!!
Bro this is new age of selling insurance products via affiliate links which you can see in his description box
Best guidance ever received! Seedhi baat, no bakwas...
Subscribed to your channel recently- thank you for your efforts. These days the claim ratio is a KPI used to judge insurance companies. How does the company ensure transparency on this front? After all this number could be fudged , isn’t it?
You have just earned a new subscriber. Don't know why CZcams recommend it but thanks a lot for this wonderful video. 🙏🙏
Ditto
Really the way u made us understand the concept of limited pay was an eye opener
Salute u sir 🙏
Hope u keep posting such videos
Very well done work you are doing. Beyond my imagination. Eyes opening and protecting from thug companies. Keep it up. 🇮🇳
I really agree with you it's very important to have a term plan for every individual. You are doing great work for society and very much straight forward and clear.
Thanks for doing it for society
Sometimes I just blown away by CZcams algorithm. They hide this gem from me.
And of course you gained new subscriber ❤️😍
+1
Boss your information is valuable, properly structured. I've watched today your video first time and I felt worth watching. Thanks
आपके वीडियो ने मुझे अन्त तक बांधे रखा, बहुत सार्थक जानकारी देने के लिये धन्यवाद
Good analysis.
Absolutely agree with all ur points & realised how I too had this belief but later got deviated by limited pay thing. But now m well back on right track 😀.
But I still feel that if I had some lump sump amount (which usually isn't in the case of most policy buyers) I would buy a single pay coverage considering uncertainty of short terms. Like many people lost their jobs & business during the pandemic. And they couldn't pay for their insurance premiums. So with the scenario of this 'if' a consumer had that money, single pay option may/can be peace of mind. Also with the economic crises already on my head due to which I couldn't pay the premium & my policy is lapsed, so after demise of the customer due to Covid they don't have any insurance. Also now in short term return on my investments may not be ample or sufficient for my dependents.
Hope it's not confusing for u either. 🙏
Too good man, I really appreciate your efforts to make this video, regarding term plans and their queries 🤟🏽
Very nice and informative video. I consider myself financially literate but still learnt a few things from this video. Thanks buddy!
bhai jorrdaarrr... ekdum faddduuu video banaya bhai... me tera video pehli baar dekha but tera fan ban gaya bhai ........... awesome video bhai and many thanks .. mujhe bohot help hui video dekh k,, bohot sikha and specially LIC tech term plan.
Sir ..Indirectly you are helping & securing future of our beloved family when we will be no more by educating us to choose right thing right now for them.Its sad but universal reality . Please accept blessing & respect on behalf of them .God bless you.Keep inspiring & educating .
Impressive video...I couldn't agree more on the facts shared on insurance and how people generally skip the basic time value of money while selecting a term insurance plan...
Very very excellent.. Thank you so much bro. Mere mu ki baat chinli yaar bahot ache tarike se samjaya apne. Me kisiko itne ache se samja nahi saka.me bhi mere Colleagues ko samajate hue thak gaya lekin wo sab is insurance companies k trap ko samj hi nahi sakte..
Thanks to the previous video. Helped a lot in buying my term plan.
Very notable points in this video too.
Ps. 2 half plate shayad 1 full plate se mehengi hoti hai - words to live by.
Aapke videos to Har citizen ko dekhna hi chahiye....Itni acchi information dete hay aap.
THANKS SIR! 👍
Rarely do I find people who like to dig deep and scratch out every detail, so I always have to resort to researching everything myself. Not like that with you mate! Thank you so much for such detailed knowledge.
Always loved LLA's topics. Carry the good work. Love from Siliguri, WB.
Very nicely narrated and thanks for it. One question is there. You have mentioned in your video about claim settlement ratio which is nice one. But I have seen video wherein one youtuber has taken data from IRDAI website and put a point of "Amount settlement". That youtuber has narrated difference between both. Can you please consider this and elaborate it? it will be greatful to all.
One more Important point that we should consider while opting for Regular pay : If a person X dies after 10 years of getting term insurance with Regular pay, total premium paid will be 3 times less than he would have paid in limited pay option. This is the one more benifit of Regular pay.
Thanks Mandeep. You are doing a great job. I’m a working professional and this distilled information to make informed choices brings a lot of power to consumers. Keep up the good work. 👍🏻
भाई साहिब जिन लोगों रिटन ऑफ प्रीमियम और 10 साल का टर्म ले रखा है वो क्या करें ?
Hi Mandeep, very nice pls continue to educate us . your NAVI QnA with NAVI officials video was not available pls update us a video on NAVI health insurance. 😊
Sir ek questions agr maine kisi company se koi insurance liya jaise max life , Bajaj ya tata AIA se or ye company hi dub gya jaise रिलायंस डूबा आप तो शेयर भी डायवर्सीफाई कराते हो । क्योंकि की किसी भी कंपनी की 100 % गारंटी नही हैं । इसे में जिस कम्पनी से इंश्योरेंस लिया हो वो कंपनी ही डूब जाए तो क्लेम का पैसा कौन देगा ?
I'm impressed by your audacity to put the right information out.
Thank you for this video!!
Hats off to you & the entire Team at LLA !
When I look back the things I am thankful to have come across in the social media this year of 2021, you are one of them! Thanks for creating unfiltered & valuable content. Keep up the good work👏
Thank you Mandeep..... You did great work....
I have few doubt.....
1. Can I go two different company for 2 term plan together and can nominee claim for both.?....What the scenario... Please describe broadly.
2. Should I take Riders along with term plan or not? Which riders are good and which delayed the claim process.?
3. Can I take rider from other company and only take term plan from other company.?
Thank you brother for so much information. You are the best 🙏🙏
I have one question if someone takes alcohal very rare once ot twice in a month, should he/she choose alcoholic option while taking term insurance?
A big shoutout to Mandeep from my side, the attitude u carry in ur life is a great example of jagruk citizen. We all have slept or been in slumber for too long. Mandeep bro, learned a lot bout insurance and other financial related world from u. Please keep up the good work brother. U've our full support
Mind blowing mandeep. I was also so confused for why in 10 years i am getting benefits but from this video what company has done
Hi, please tell me your view on Edelwise Term Inssurance.
@@petlovers2700 go for icici pru blindly. Speaking from a personal experience.
@@rakeshgupta795 thanks for suggestion but I have already term plan of Edelwise.
@@rakeshgupta795 any reason Rakesh
@@srinivascnp Their Claim process is impeccable. They do the pre issuance medicals at doorsteps only. Policies get issued very quick. Just my personal experience.
Solid knowledge boss.. You opened my eyes🙏❤️
Very useful video. Clear and concise. Keep up the good work. I wanted to understand more before buying term plan. Your both videos answered all my questions.
Thanks for the detailed explanation. Also can we our limited pay period? and make the premium payment period back to normal?
Hi sir, I've just watched 2 videos of yours and want to say thank you. I'm not much into these money matters but recently thought of researching so that i can start all these, since FD's don't have good returns specifically after covid. I get the vibe that you can be trusted, obviously will watch other videos of yours to get more clarity. Thank you so much so simple and crisp descriptions
Big thanks to you. I am from finance background and the way you have explained makes a lot of sense. Because I know....explaining numbers and legal phrases is not an easy task...especially to people who are not from finance background. I would like to know if you have any video specific to show the power of compounding?
Policy Lelo...bhul jao...Paisa kamao...Kam Karo...invest Karo ....our nahi Maro to bhi family ko dekhna hai so khud ek crore dekho ....what a line brother... भाई साहाब ❤️❤️😍😍👌🏻👌🏻👌🏻👌🏻👌🏻
Thanks bro for your knowledge sharing, opening people's eyes and giving clarity. Grand salute...
Would love if u do part 2 also of this Q&A, since many questions still remain unanswered! ❤️ Thanks for clearing many doubts! 🙏
100 likes to this video and the information you shared with us all. One dialog I liked the most in your speech is " Marne ke baad family ko 1 - 1.5 crore mil jayen achhi baat ha, but nhi maroge to bhi family ko, aur khud ko 1 - 1.5 crore dekhne ka mauka please dijiye" makes deep sense for everyone. Thanks
I am watching many term insurance information video but your youtube video very sensible and knowledgeable 👌👌
Great work hats of you buddy 👍👍
God bless you
What an amazing piece of information. I was searching this. Very well described. I have a VERY IMPORTANT QUESTION - Aapne bola ki salary se 25 times se zyada term insurance nahi pay hoga. Ye salary kaunsi hai, Term insurance jis salary par liya wo ya Jab death hui us time jo bhi salary thi ya for jo bhi meri last drawn salary hai. Kahne ka matlab, aaj meri salary bahut achhi hai aur maine us hisab se term plan le liye, but kal ko kisi wajah se salary down ho gayi ya main business me move ho gaya aur zyada earn nahi kar pa raha hoon, aise me 25 times kisko mana jayega? Kya mere nominee ko full amount milega meri death par?
One of the most genuine person I have ever seen in my life
Great work bro 🙏
You must have not met many people and one life hack never ever believe someone blindly whom you don't know personally
Reading rich dad poor dad along with your video , Now i can learn why people suffer financially in life
sir , ap acche bolte ho. 3 yrs ke bad koi claim reject nehi hoga a accha information hay, magar kuchu bande ne youtube me bola Term Insurance reject ho sakta hai 10 yrs paid karneke bad bhi..please give suggestion ..
Very well explain sir.
Maine 7 saal pehle future generali se term plan liya hai. Aapka kya opinion hai future generali se. Mai meri police continue karu toh thik hoga kya.
Pls revert.
Thanks
Pravin sanas
First of all thank you guys so much for increasing financial literacy, you got a new sub. Slightly disappointed that I came across this channel so late, but very optimistic to get detailed information through your videos. Keep up the good work!
On a lighter note, @22:12 pe konsa mov clip h bhai ?
Superbly Described
I had applied for term plan with limited pay for documentation i had got 2 days then thought compared limited pay and regular pay and immediately requested for cancellation and replaced it to regular pay.
Feeling secured and laughed for a sec while watching you describing lim pay thanks bro..
Appreciate your research..
I completely agree that if not company or agent someone has to update, educate clients.
With regards to “smoking declaration” - i feel during next premium payment companies shud take client declaration every year ; same with health insurance.
More doubt clear by your video.
Policy bazaar an agent company. Kya hme term insurance m isse extra amount pay krna padega.
Ya fir company ki official website se purchase krna chahiye.
Boss you are doing a very big service to us . Its as equal as a national service. Indian's never get this knowledge in schools/colleges no one talks about these things. I want to see this channel with 10M+ Subs in a year❤️❤️
With your support, we'll get there ❤️
Appreciate Your Effort :)
Loving It
Dear sir, you are doing such amazing work.
Tata AIA ka param rakshak plan shi h?
Isme to last me investment wala return dene ki bat h?
Your way of explanation is superb, I am fan of ur truth explanation, by the way, I am commenting in middle of video, I will resume after it. So, please keep posting the truth and actual things as you do always.
Hi,
Before watching your video in have done some research and found the same thing that you told about limited pay and amount retrun.. but you explained it with so easy it made more clear.
I have done the same thing study for hdfc sanchay plan...its also complete waste of money better to do RD, FD for same amount.
To all LLA team, you are spending a lot of time to educate us. I am really thankful to you all.🙏🙏🙏
bhai mere tumhara gyan sachme acha hai bht acha hai but but but.............. 1)mere bhai har koi CA ya MBA(finance) nahi hai.
2) Customer confuse na ho and thoda burden kum rahe isliye itni sb nautanki khud se na karke companies pe depend hota hai irrespective of high returns thoda kum mile but sukun se to milta hai
3)Mutual fund me risk hai agar specialized knowledge na ho isliye to companies aage ati hai and if ek puri team hai specialised logo ki to kuch to unko bhi dena padega na
conclusion: tum risk le sakte ho zyada return ke liye to khudh se matapacchi karo and if nahi to chup chap ek gaurantee plan lo + ek term plan lo critical ilness rider ke sath and shanti se baitho
Hi, thanks for the video, very useful, specially about sec 45, but can you please confirm about 25x rule, it has to be seen at the time of taking original term insurance or at the time of death of the person who had taken insurance?
Thanks in advance!
This is my 2nd video on your channel.
This is the most responsible video ever I have seen by a CZcamsr. As I see CZcamsrs create general information videos and never come back for answering questions and clarifying doubts (I know they are not liable to). But you did it and this video is even bigger than the other video. Awesome!
This also shows how much depth you have covered on this topic and creates a reliable bran/channel.
Great work bro. Keep doing the same. Will support you.
Hi Sir - Awesome video.
I have few questions. Currently i am exploring a term plan and have seen that the premium is almost same for regular without returns of premium and regular with return of premium when we add all the 4 rider options in Tata Aia term plan. The difference is very less. Could you please help on rider plans?Thank You and keep doing this great work sir.
Aapki mehnat, time is video mein dikh rahi hai. Thanks to great info.
1 query: If any one gets Hospitalized due to accident/illness and the hospital bill is approved to be settled via Mediclaim (health insurance via a company Abc), but the patient dies either within hospital or post hospital, then, will the Term plan via Company B can be claimed or approved?
Hi, great information. I want to know if I buy insurance in 2023 and in same year I can clam insurance
Yes just after policy issue u can claim ur insurance
Great video Mandeep . Clarifies a few things and thank you for the LIC Tech plan.
I have couple of questions however.
1. I had started off my Term plan as soon as I started working (approx age 21-22). So I am paying very little for the cover amount. Now over the years salary has grown and hence I want to improve the insurance cover to maintain approx ratio of 15x annual income. Would you suggest surrendering this and buying a New plan for entire amount, buy another for the difference or top it up? I could not see any top up option with my insurance provider. Is there any such alternative or what would you suggest in this case? My only concern about surrendering is the current amount itself has a premium increase of 50% original. Assuming same trend another 10 yrs down the line I do not wish to surrender and take another hit of premium increase.
2. In relation to above, what is your opinion on the new smart plans where coverage increases with time? This helps keeping an option of reaching 4-8x of original coverage without surrendering.
3. Couple of the clients I was advising were hugely in favor of lumpsum pay. The argument I have heard for lumpsum pay is your policy is only liable to pay you the covered amount * (no. of installments paid/total installments). I couldn't see it mentioned outright anywhere be it on few policy documents I read or on the portal, but Is there any truth to this (possibly only in select policies)?
Hi John... M also facing the same situation as highlighted under point no. 1 of your comments..... Can you please advise what action did you take??
You stopped the old policy and take a new one altogether OR yoh found a top-up policy or took a policy with differential amount
Mr John,
Do not surrender your policy as you will be at loss. Continue with the plan and buy more Twrm plan or endowment plan.
@@yashgokani buy more insurance of higher some assured. Never surrender yr old policy.
just wanted to say you're doing a great job, keep it up
Sir, Mere pas LIC ke two endowment plans hai. 1st Jeevan jyoti money back plan 5 Lakh SA ka 20 years term hai, Already 11 premium pay kar chuka hu & 2nd 3 Lakh SA hai aur 4 premium pay kar chuka hu . Kya mujhe dono endowment policy surrender kar deni chahiye. Kyunki Maine LIC se 50 Lakh ka term plan bhi hai.
I have been using CZcams since more than a decade. This is one of the best videos, may be I can place it in top 3.
Thanks LLA
one small request u is that please use numbers in English lang ..rest u r doing absolutely perfect
Great work! Information in great details!!
One constructive feedback: In the Limited Pay section of the video, the returns look a bit high, not significantly high though. You may want to double check the conversion from yearly to monthly growth rate. But I agree with your overall stance here!
Sir maine 2019 nov me term plan liya tha HDFC life se but last month oct me company ne mera term plan discontinued kar diya. Reason sirf itna batya ja raha hai due to non disclosure policy
Mujhe ab kya karna chahiye
You are Too Good Veere..👌👍🙋🏻♂️
Awesome..👌👍
Dil khush ho gya video dekh ke.👌👍
Ek request hai Aapse.🙏
Mujhe MF/SIP Start Krna hai 1000 Rs/Per month se , mere liye kaunsa best rahega. Plz Guid me🙏
Aur mujhe ye bhi samjhna hai ki Kya wakai MF/SIP me lagbhag 12%+ ke Returns, Per annum mil hi jate hain.??🤔
Agar ye bat sahi hai to , mujh jaise Chhote investers ke liye Kaunsa plan Best rahega jisme Lagbhag 12 se 15 % Per annum ke returns to mil hi Jaye.❤️🙏
Kindly Reply Personally ya is topic par bhi hum sabhi ke liye Ek video banaiye.
Aur Sabhi MF/SIP details me samjhaiye. Aur Plz ye bhi bataiye ki ek middle class vyakti ko agar investment start Krna ho to kisme invest Krna chahiye.🙏
Hi there. Really love your videos extremely informative and helpful. With regards to term plan how should we account for inflation? If I'm taking a cover for 2cr for 60 years, certainly in 2080 worth of 2cr will be almost nothing. How do we address this issue?
Seriously you saved my money, I was also in favour of limited loss pay.
Thank you sir.
Good morning Mandeep sir, i had one doubt about Personal Accident insurance. If we already have a health insurance and a term insurance, do we still need to opt in for a Personal Accident cover in Vehicle Insurance?
Well explained and your entire speech is very logical and convincing
@Labour Law Advisor - Thank you very much for this video. Saved lot. Also do suggest the full body checkup options. From where we can opt for this, how much charges it normally takes ?
Awesome Video Mandeep! ** In your NEXT VIDEO on Endowment Plan, Could you also include process to Surrender an existing Endowment plan and refund amount calculation process.
Thanks in Advance! Keep up the JAGRUKTA ABHIYAN!
i wanted to ask same question. make a video on this plz.
back in 2011, when I started my job, a tata aia (back then it was tata aig) person came to me and explained about term insurance and I had to pay at a cost of only 10 rs. I per day forgot the coverage amount . But I rejected it as I was not getting anything back. Now I realise he was a very good customer focused person.
.... Mandeep sir I have no words to say thank you for you and LABOUR LAW ADVICES team.
True fact is, even our so close friend, who are Insurance agents too, are not explain these facts. They just want sell and own profit. 😭
Hello Bro. Thank you for very well explained video. I have one question about term insurance plan. Companies BMI ke hisab se premium increase kar deti hai at the time of purchasing policy. Do you think it is necessary to provide correct weight height details? Is there any clause that only a amount of weight can vary from the weight disclosed during tele medical?
Bhai ye banda bahot mehnat karta he🙆❤️
Great explanation with data points...very much appreciated!!
Hi LIC is selling Lic tech term plan 954 now and not 854 , please guides
Such an insightful video...Really amazed at the way you share such complex information in an interesting and easy manner..
Hi
Awesome info Bro. Thanks for helping me to select in which plan I should invest. Loved u previous video of term insurance. Ur long TERM subscriber
Thanks bro
And good one haha
I was desparately searching for this kind of eye opening video. Thanks a lot sir 🙏
what if u have chronic disease like ibd do u still get the term plan ?
Nice and elaborative video sir.. I too had fallen in the trap of closing premium payment for my term and planned to close it in 10 payments. However later started investing the monthly premium in Stocks since i pay premium yearly . Have now been able to pay my 3rd premium free thanks to the profits earned and already have corpus for next years premium.. I appreciate you assisting people like us from falling into such traps and become more financially literate.. Keep up the good work ..!!
Pls explain more. We are thinking for tem insurance
Labour Law Advisor Team --- Literally pyar ho gaya aap logo se. Itni quality wala content, itni easy language me... Seriously, revolution laa sakte ho aap log. These are the words from my heart. Keep it up. :)
मैंने एचडीजीसी का टर्म इंश्योरेन्स लिया है , कोविड जस्ट स्टार्ट हुए था तो डर था पता नहीं क्या होगा कल। ये सोचकर ईयरली प्रीमियम पे ऑप्शन सेलेक्ट कर लिया उसमे भी 10 साल में 45 साल का प्रीमियम सेलेक्ट कर लिया था । अब 3 प्रीमियम भर चुका हूं और लगता है कि गलती कर रहा हूं , जैसा आपने बताया कि प्रीमियम कम रख कर बाकी पैसा इन्वेस्ट किया तो बेहतर रिजल्ट आ सकता है ।
क्या एचडीएफसी लाइफ में प्रीमियम को फिर से बदलने का ऑप्शन मिल सकता है कि बाकी के 7 प्रीमियम को मंथली भर सकूं और बाकी का इन्वेस्ट कर सकूं !