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I feel term insurance cover should not be multiple of yearly salary. You should calculate how much money ur family would need , and for how long they need and are they Amy other existing investments will help them?
Dear brother, meeru cheppe vishayalu ok . Daniki intha long vedio avasaramu ledu.paniki Rani sodi kuda avasaramu ledu. Point to point 5mnts lo labhamu nastamu cheppali. Thank you
అన్న నేను చదువుకుంది Bsc అగ్రికల్చర్ , మనకు అసలు ఇలాటి ఆర్ధికంగా ఎదుగుదలకు సంబంధించిన subject కానీ information కానీ ఎక్కడ ఏ books లో కూడా ఇవ్వరు,చాలా మంది insurence అంటే LIC నే గుర్తుకు వస్తుంది కానీ వీళ్ళు ఇచ్చే కవరేజ్ తక్కువ ప్రీమియం ఎక్కువ ఇలాటి term పాలసీ గురించి ఎవరికి తెలీదు..మీ వలన ఎంతోకొంత నేర్చుకుంటున్న thank you అన్న.కొంతమంది దగ్గర డబ్బులు ఉన్న మూస పద్ధతిలోనే కష్టపడి డబ్బులను జమ చేసుకొని రెక్కల కష్టం తో చాలా సంవత్సరాలు కూడబెట్టి ఒక స్వంత ఇల్లు కొని మళ్ళీ అందులోకి అప్పుతీసుకుంటే కానీ ఇల్లు పూర్తి కాదు, డబ్బే డబ్బును సంపాదించాలి అంటే ఇలాంటి ఆర్ధిక శిక్షణ కచ్చితంగా అవసరం. ఎక్క invest చెయ్యాలి ఎక్కడ చెయ్యకూడదు. అనేది తెలుసుకోవాలి.
I'm a Charactered Accountant and i loved this video, literally what I've studied and learnt during my work, are told to everyone in easy manner! Thank you on behalf of everyone
My father passed away due to COVID in 2020. LIC agents harrased me to take endowment plans and LIC FDs. Whereas Max Life Insurance company paid me money in 1 day . I took 50L term insurance in Max Life for 14,000 including many riders with my 1st salary of 21,000.
Mine HDFC 2D protect from Hdfc life insurance, started in 2019 when my age is 26. Total premium 16890/anual. It covers 1.5 crores, if any thing happened to me my family will get immediately 50 lakhs & monthly income option to my family, around 30k/month till 1crore complete. This is best as per my family conditions.
Mari intha manchi thanam Ela Anna meeru 🙏. I've been glad to hear from u about term policy with full clarity. My heart felt gratitude towards your parents to give you as our advisor 🙏
బ్రదర్ చాలా చక్కగా వివరించారు, ఎలాంటి రైడర్ సెలెక్ట్ చేసుకోకుండా టర్మ్ ఇన్సూరెన్స్ తీసుకుంటే ఎలాంటి రిస్క్ కవర్ చేస్తుంది కంపెనీ..అంటే ఎలాంటి డెత్ అని కాస్త తెలియజేయండి దయచేసి🙏
thanks for the video. Few things that you missed but good to share 1. Instead of taking insurance from only one company, its better to take from two diff companies. 2. Some companies provides option to pay premium for only few years like u can pay premium for next 10yrs but the coverage will be till 85yrs. 3. Better to inform about our insurance policies to our family 4. I guess there is an option to save all our insurances at one place like NSDL (If I am not wrong)
With the 3rd point there will be some chances that family might waiting for our death to claim the amount this is currently misusing. Just wanted to share
on point 1: why would you need term insurance in 2 different companies, most of the well known companies are under IRDA so there is no way it will default or go for bankruptcy (if at all they declare bankruptcy, other companies are ready to acquire, it happened earlier). if you need to insurance you in all aspects then better divide health insurance in case of accident or disability and term insurance is only for death case 2. Yes most of them have option to pay in x no of years and it will be covered till xx years but before you do please math the premiums, i'm sure there will be a difference. 3. I totally agree, lakhs of crores which are unclaimed term insurance in India these are my opinion, please check with insurance expert not the agent(they will sell shitty policy)
Term Insurnace ki kavalsinavi. I will tell in detail 1. Adi kids Ki kaadu , students ki kuda kaadu . ITR file chesi income tax file chesevallaki. 2.POLICY BAZAR app Veskondi phone lo untundi (play store or AppStore ) lo. 3. Compare cheskondi . Andariki 800 ki raadhu age batti calculate avthundi .
Thank you bro for clear explanation.. It’s a request for claim procedure videos:: It’s also equally important for dependant to know the procedure to be followed for claims. Please explain in detail with different scenarios.
If only every one this good, our nation would be at some where else... జనానికి ఎంటర్టైన్మెంట్ కావాలి... నాలెడ్జ్ వద్దు..అందుకే ఎవరూ ఇలాంటివి పట్టించుకోరు.. Any way... You are ultimate. Creating light in darkness.
Even educated people are not getting this awareness. You brought this at right time bro, I’ll share with my friends and family members to understand in detail.
నా AGE 61 YEARS, 75-YEARS వరకు మాత్రమే TWO CRORS SUM ASSURED కి,TERM INSURENCE తీసుకుంటే YEARLY ONCE ఎంత కట్టాలి, ఏ COMPANY మంచిది? నాకు HEALTH PROBLEMS గాని, SMOKING గాని, DRINKING గాని అలవాట్లు లేవు.
Content is great, but what’s more important is the effort you kept in n making the video for us. Secondly, I can sense you are trying to communicate a point in multiple ways so that it reaches the audience. That’s a great effort. Keep up the good work
అన్న థాంక్స్ మీకు మీ కుటుంబ సభ్యులకు నేను ఒక ఇన్సూరెన్స్ చేసుకుంటాను ఇప్పటి వరకు నాకు ఈ విషయం పై అవగాహన లేదు ఇప్పుడే అర్థం అయ్యింది 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏⚘⚘⚘🤝🤝🤝🤝🤝🤝
A huge respect from my side. Meeru Ila video pettina prathi sari me meeda unna respect and DTT family member ayinandhu santhosham rendinthalu avuthundhi.. ❤️❤️
Thank you so much for your efforts. Term insurance తిసుకోవాలి అంటే IT returns కంపల్సరీ కావాలా? IT returns లెకుండా కూడా తీసుకోవచ్చా? ప్లీస్ దయచేసి చెప్పగలరు
మీరు చెప్పిన మాటలు చాలా యూస్ ఫుల్ సార్ కానీ...... 1. దీనికి 1 కోటి రూపాయల ఇన్సూరెన్స్ తీసుకోవాలి అంటే మినమ్ డిగ్రీ పూర్తి చేసి ఉండాలి 2.3 యియర్స్ itr ఉండాలి 3. ఆధి కూడా ఏవరేజ్ గా 10 లక్స్ ఇనాకమ్ చూపించాలి వీటి కోసం కూడా ఒక వీడియో చేయండి ప్లీజ్
Life insurence unnapudu inka raiders add ceyadam enduku sir, should we take raider or not explain it plzz.?? Save 50% , ani undi filter pakkana what about that sir. Suggest which insurence company is best for both health and term that too have to satisfy conditions which explained by you... Consider this also, take promotion fee too from them which benefits all of us sir REVANTH.....
Bhayya MERU pettina Thumb mail wrong . 1200/- ki 2 crore Radhu 👈. It depends up on 1.AGE FACTOR 2. Income factor 3. Smoking / drinking / Bp / sugar factor 4. Any operations or diseases factor . inni untai bhayya . 30-35 years vallaki easy ga montly 1500-2500/- avthundi . Yearly 18000/- to 30,000/- pay cheyali Term insurance company Ki . If you don’t have any Health Related issues and your age is between 28-35 aythene . Age perige kodhi INSURANCE AMOUNT increase avthundi . 👈👈.
Very clearly Explained Brother. I know I’m late to take Term Insurance but today I’m going to take for sure with your suggestions… Thank you Godbless..,🙏
You are such an amazing advisor brother..sharing the knowledge is not easy because you need to put a lot of effort to gather the right info. Thanks for your time and patience to make such videos
Useful Information. I chose HDFC term insurance. Better to choose banking companies than insurance based companies as we need to make sure the companies exists till we attain the age of maturity to be on safer side
Hello Bro, I've just taken my term policy few days ago. Thankfully I've followed whatever you have covered in this video. Hello Friends, I've opted for Bajaj Allaianz E touch policy. Kindly check that.
క్లారిటీ వచ్చింది తమ్ముడు. నువ్వు నాకు చాలా బాగా నచ్చేశావ్.వీడియో మొత్తం చూసేశాను.రెండు యాడ్ లు వచ్చాయి.అవి కూడా చూసేశా.😅 ప్రస్తుతానికి దుబాయ్ లో ఉన్నా ఇండియా వెళ్ళగానే నువ్వు చెప్పినట్టు టెర్మ్ ఇన్‌స్యూరెంస్ తీసుకుంటా.నీ వీడియో బాగా నచ్చింది.నాకు తెలిసినవాళ్ళందరితో ఈ వీడియో పంచుకుంటాను.అన్నట్టు ఛానెల్ సబ్‌స్క్రైబ్ చేసుకున్నాను కూడా. క్షమించు నీ పేరు చెప్పలేదు.? నలుగురికీ మేలు చేసే నీకు అంతా మంచే జరగాలి.విజయీభవ❤
Bro…. 09:41 daggara meeru salary ki 20 times term insurance teeskommannaru kani adhi Annual or Monthly salary ani cheppaledu. I think it should be Annual salary.
Well explained. I have two queries: 1. If am paying Insurance monthly for whatever the premium and coverage, what will happen if I move to abroad on work visa/settled visa/PR/any other visa(not tourist/not business)/NRI Status? Do I need to pay every month as am doing now and will I get the same benefits if something happen to me in abroad? 2. If I have a home loan and or personal loan and or credit cards which am paying continuously, what will happen to those loans once the nominee receives the term insurance money(ofcourse if something happen to me)? Those pending loan's money will be deducted from the money that my nominee receive or it will not impact anything? if so, how to choose those options?
1)your cover will be same & if you go to abroad also but update has to be done to the compay that your moving abroad so that claim will be hassle free 2) we have an option MWPA(MARRIED WOMEN PROPERTY ACT) in such cases of debt only spouse is eligible to use that money
Thanks you so much. You missed one thing bro. Should I pay total years or should I pay less years. Example: i choose 65Y. 5Y or 10Y i have to pay or total 65Y i have to pay? Which option i need to select.
The knowledge you have provided on Health Insurance and Term insurance are very useful to a common man and is very protective to our families without any doubt,,, Once again very thankful to you for providing such a great content..
Thank you bro for clear explanation.. It’s also equally important for dependant to know the procedure to be followed for claims. Please explain in detail with different scenarios.
Please also mention the best insurance policies according to you(top 3 or 5), it'll be great for us to choose easily. thank you so much for your efforts brother 👏👏👏👏
బ్రదర్ నాకు శాలరీ ఇస్తారు. కానీ అకౌంట్ ఫర్ ఉండదు, శాలరీ స్లిప్ ఉండదు. మరి నేను టర్మ్ ఇన్సూరెన్స్ పాలసీ online ఎలా తీసుకోవచ్చు ? ఆప్షన్ ఉందా! లేదా ofline లో తీసుకోవాలా ? Plz tell me brother. plz Reply me 🙏
Really useful information, really appreciate your efforts, keep going 😀 Q: Does these term policies works for NRI's or who got citizenship during the term?
Nice video, very informative, i have one doubt, for example, if policy holder doesn't have habit of smoking and drinking at the time of taking policy, if he get habituated later what happens in that case? will that be treated as voilation?
Term insurance is to cover based on certain period we choose like 6o years, 65 years and so on. Life insurance is to cover till death. Term & Life insurance protects family if death happens for a person. Health insurance covers for illness treatment and not for death.
If you select return on premium option, it is zero cost term insurance. In Maxlife at the age of 65 they will refund your premiums without extra premium, there are some conditions.
Hi Brother, more informative video. The content is totally good. 1. I took the 50L term policy in ICICI pru iprotect smart in Apr 2020. My yearly package is 13Lakhs. My premium is 885rs upto 85yrs. (The present age is 37 years) 2. I want to know if the policy is good or not and Whether I have to know to take one more policy or not? Regards.
All doubts were clarified except one. What is the best option to pay premiums? 1. limited pay (5 or 10 years) 2. Pay until 60 (consider i chose 60 as my term) Limited pay has some benefits as we are paying less amount in total compared to 2nd option. But what are the disadvantages?
@@AnnamareddyVenkatesh In limited premium whatever the company required amount we will pay. Suppose after limited premium payment if anything happens that company will give entire sum assured but there is no loss for company(will get the loss). If we go through regular mode ..till our end of life will pay whatever the age (suppose for 65yrs term insurance if anything happens in 60yrs the 5 yrs premium will get benefit.. same for all) Hope U understand.
I took LIC tech term ..it's online policy..hope thi is the best one..some agents told me better to go offline instead of online..but I don't think so there is differnce
Meerichhina ee information tho Nen kuda oka 2cr Term policy tisukunnan Revanth Anna Thank you very much for your valuable information and suggestions. Hats off to you Anna...
Hi bro. Wonderful content. Clearly explained with all the Important points that not MANY people or agents will explain in laymen terms. Thanks for your hardwork and keep up your great work.
Hi Revanth, Thanks for the explanation, quickly i have a question. Today i m non smoker /non alcoholic and I have selected. Policy according to the persent condition. For any reason, I have habituated to those and death occurs, then how will be the insurance settled to my nomine..
Bro...LIC lo 50lakh policy em theeskunnaru....per year premium entha pay chesthunnaru konchem chepthara. Nenu Lic lo Jeevan labs theeskunna per year around 50k pay chesthunna but cover only 10lakh undhi...... Ee video chusaka very policy theeskundham anukuntunna. Please meeru theeskunna Policy details chepthara bro
OK Here is my question. Nenu 2 term policies teesukovacha ? Like for example 50Lakh teesukunnanu already .after few years I feel that this is not sufficient for my family. So can i take another term policy with 1 cr or 50L from different insurance company.
Nice!!👌🏻 Valuable information. One query, this term policy covers accidental benefit but what if it is a normal death? Do we have any policy like this to cover for natural death other than LIC? Please suggest.
anna small doubt Anna ma father ki term insurance tesukovali ani anktunanuu ma father age 57years anna . kani ma father premium low vunna kudha return ravuu anthe tesukorui. kani premium amount ekavuu vunna returns vastayii anthe adhi teskuntaruu edhi teskuokmantharuu.
Please don't club returns which you see in investment, this is purely to save family from financially. it is absolutely not recommended for your father at all with the age of 57 years and premiums will be ultra high Now you are earning I assume so now it is your responsibility to save you and your family & kids(if your married) if something happens in future to save them from Financially . If you're not married even though it is advised to take since premiums will be low. I hope this clears.
Hi Bro, thanks a lot for making this video and make our eyes open. Few doubts - 1. As you said if we end up paying low premium by selecting term policy instead of life insurance policy and investing the balance premium of life insurance in Mutual funds/ FD then net proceeds of Mutua funds/FD is taxable whereas if we select life insurance policy case surrender value is not taxable. By taking into consideration of tax ability I feel net impact will be nullified. Do you stand on my comments ?
You will pay taxes on capital gains only, where as here they will return only the money you are paying, so in either case you are not paying taxes on the diverted amount. I hope that helps
Hi sir. This is a very good video. I Always watch your videos for knowledge, and thank you for so important content. Sir, I have a doubt , hope you consider answering. Iam a physically challenged person, so when I first got job and searched for term insurance, it was rejected and I was forced to take life policy I.e. traditional policy. Did I do the right thing? Or if you can suggest any thing better? Shall I continue with my policy or cancel it? Thank you.
Thank you so much for the great information bro... I have a question. While buying term insurance, it is showing limited duration pay as savings on premium payment. Is it a good option? It is showing as pay for 30 years or pay for 15 years with slightly high price premium. Which is good. Please advise
చాలా థాంక్స్... నేను monthly term insurance కడుతున్న.. ఆటో పే పెట్టాను.కానీ అది అవ్వటం లేదు..ప్రతి నెల మళ్ళీ నేను పే చేస్తున్నాను... ఇది లాప్స్ iyentla
👏👏👏 థాంక్యూ సో మచ్ అన్న చాలా బాగా చెప్పారు. నాకు ఈ వీడియో చూడక ముందు చాలా డౌట్స్ ఉన్నాయి ఇప్పుడు నా డౌట్స్ ఆల్మోస్ట్ క్లియర్ అయ్యాయి. కానీ ఒకే ఒక డౌట్ ఉంది. మనం 60-70 ఇయర్స్ టర్మ్ ఇన్సూరెన్స్ తీసుకున్న తర్వాత, తీసుకున్న కంపెనీ మిడిల్ లో వాళ్ల కంపెనీ ని తీసేస్తే పరిస్థితి ఏమిటి. దయచేసి నాకు ఈ డౌట్ ని క్లియర్ చేయగలరు అని కోరుకుంటున్నా.
