Smoke वाला आप गलत बता रहे हैं।व्यक्ति को यदि पालिसी issue हो गयी और यदि 3 साल तक पालिसी लगातार चलते रही,तो उसके बाद मृत्यु होने पर कम्पनी को क्लेम देना ही पड़ेगा। चाहे डेथ का कोई भी कारण हो।चाहे वो नशे कर करके मर गया हो।Sirf Drink & Drive case me nahi milta claim.
In Two Wheeler Insurance we can skip taking the mandatory 15Lakh Personal Accident Cover if we already have this cover from other insurance policy. So, If we have already included the rider of Accidental Death Benefit in Term Insurance then can we skip taking the 15 Lakh PA Cover in Two Wheeler insurance?
Thanks sir g for your detailed analysis. Really it helps a lot. I had taken term insurance from Aegon Religare 9 years back. It was online that time and offering low premium. Can I not switch this to good one?
Life Insurance premium can not be ported. You won't get same cover at same premium so I suggest you continue with same. If you need extra insurance cover, you can opt for an alternate company.
Sir, agar police holder policy leneke time main Lum+monthly pay (i.e. 30k pm for next 30 years) out or sirf monthly pay out select kare. Aur within term frame policy holder ka death ho jaye, afrer that nominee ka v death ho jaye, to kya baki monthly payout family ko milega ? After nominee kis ko milega , please clarify.
You will have to pay 1.5x to 2x the normal premium amount for it to get back all the premium, you can put the difference amount in SIP and earn 12% cagr which will be much higher than your premium amount, that is maybe 15L for 1.5Cr cover.
Lumpsum is a bad option. Yearly seems better. Imagine this, you've paid an annual premium of 25k for 1st year, and you pass away due to accident, you have paid 25k for 1.5Cr cover, your nominees can get that amount. If you had paid the lumpsum of 15L for the 1.5Cr cover at once, and you pass away in 1st year, you are at a huge financial loss, those savings can be used for something else while you're alive, or be given to family as well. Just my POV. Correct me if wrong.
It depends upon your financial situation and preferences. Benefit - provides peace of mind, eliminating the need to make annual payments and potentially saving money in the long run. However, it requires significant upfront investment.
TATA AIA has only accidental disability, go for Max and take total permanent disability rider, meaning that due to sickness or accident if you get disabled you will get money...
