Term Insurance क्या होता है? - How to Buy Best Term Insurance Plan in India in 2023?

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Term Insurance क्या होता है, कौनसा लें? Buy best term insurance plan in India in 2023 - bit.ly/term-life-insurance-co.... How to choose the right term insurance plan for you - explained in Hindi. Full comparison of different life insurance policies in policybazaar, policy bazaar se health insurance kaise kare?
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Term Insurance:
bit.ly/term-life-insurance-co...
Health Insurance:
bit.ly/health-insurance-plan-...
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Time Stamps
00:00 - Intro
01:10 - Should you buy life insurance policy?
03:58 - Which life insurance policy is the best?
06:28 - Online life insurance policies comparison on Policybazaar
10:42 - Excel comparison: Term Plan vs Endowment Policy vs ULIP
14:00 - What is the perfect time of buying life insurance?
15:29 - How to buy term insurance?
21:15 - How to pay the premium? Limited pay, single premium or return of premium
24:15 - Should you discontinue your endowment policy or ULIP?
About the Video
Life insurance is a contract between you and the insurance company, where the insurer promises to pay a sum of money in exchange for a premium after a given period or upon your death. A life insurance policy offers financial protection to you and your family. While a lot of us think about when to buy life insurance, and how much cover should our life insurance have, the real question here is “Do we really need life insurance?”
We’ll discuss all this and much more in this video. Learn which is the best term insurance plan in India, what are the benefits of buying a term plan, when to buy life insurance, how much cover should our life insurance have, how much insurance premium to pay, term insurance vs endowment policy vs ULIP, what is claim settlement ratio, what is amount settlement ratio, etc. We will also show you online comparison of various life insurance policies on policybazaar website.
In this video, we’ll cover the following topics & questions:
1. Best term insurance plan in India for 2023.
2. Term insurance kya hai?
3. Term insurance kitne saal ka lena chahiye?
4. Do we really need life insurance?
5. Term insurance vs life insurance.
6. Benefits of life insurance.
7. When to buy life insurance?
8. Term insurance plan in Hindi.
9. Policy bazaar se health insurance kaise kare?
10. Endowment insurance policy kya hai?
11. Best insurance policy in India 2022.
12. Life insurance policy cover needed.
13. Term insurance vs endowment policy vs ULIP.
14. How to buy term insurance?
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Connect with Us
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FACEBOOK - / assetyogi
LINKEDIN - / mukulm
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Website
assetyogi.com
#TermInsurance #BestLifeInsurance #LifeInsurance

Опубликовано:

30 июн 2024

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Комментарии : 1,1 тыс.

@AssetYogi Год назад

Term Insurance - bit.ly/term-life-insurance-compare Health Insurance - bit.ly/health-insurance-plan-compare Join All-In-One Video Finance App here: vidfin.com/ Enjoy Free Access to select Financial Insights & 1st Chapter of all the courses.

@sunilsahoo7685 Год назад

Sir Excellent Class 🙏 Hats Off God Bless You

@DeepakSingh-zn2nl Год назад

Hi Asset Yogi For NRI which plan better it should be from India or from resident country ?

@sudhirnalavade8354 Год назад

Excellent, Thanks

@shikhamalkotia4771 Год назад

@@DeepakSingh-zn2nlp

@deepakmehra6190 Год назад

⁰⁰

@gajendraanwala5924 Год назад

Pro tip: don't put your mobile number in policy bazar app. You will be instantly bombarded by sales agents.

@RaviPandey-eq6mv 8 месяцев назад

Main to dusre ka dalta hu

@SR_Jadeja 7 месяцев назад

Agreed

@DHANANJAYKUMARYADAV-my2xf 7 месяцев назад

😂😂😂

@studentinteraction Год назад

वाआआआ सर जी ......बेस्ट इन्फॉर्मेशन .......इन्शुरन्स वाले तो गले मे कुछ भी लटकाके निकल जाते हें......धन्यवाद जी आप का

@AssetYogi Год назад

Thanks Amardeep

@ameyadeshmukh3911 Год назад

I think you are bringing a revolution for young generation because of which our financial sense is growing to new heights. This is such an excellent summary on the topic. Thank You sir !!

@AssetYogi Год назад

Thanks for your kind word Ameya

@pravinagawane Год назад

It's simply wow AY ji... Whatever you have covered definitely it's too much beneficial for us.. Thank you very much 🙏 Efforts you have taken for making this video is deserve Hat's off..

@AstrologerVaibhavBhardwaj Год назад

Thank you Mukul for sharing this valuable information.

@AssetYogi Год назад

Thanks

@santoshkumar-ez8bx Год назад

Bahut hi acchi Jankari Di Sar aapane jitni Tarif Karun utani Hi Kam Sar Mujhe aapke Sare ke sare video bahut hi Acche Lagte Hain Sar aur main jyadatar aapke hi video dekhta hun aur invest bhi aapki video Se Hi Sikh Le Karke karta hun

@investorofasset6091 Год назад

Thank you sir your video given me a lot of knowledge about stock Market and investing I will be always thankful to you 🤗

@manisha7491 Год назад

You are an eye opener to the whole population, i tried finding in whole internet . A day before this video posted- I did my term insurance. Luckily i was correct. Ur previous videos has truly levelled up my knowledge 😊

@AssetYogi Год назад

Glad to hear Manisha

@shounakchatterjee1823 Год назад

@@AssetYogi Sir mera ek sawal tha ki real estate main jv land agreement main developer ko kitna down payment karna parta hain ?

@manisha7491 Год назад

@JORDAN hdfclife

@utkarshgupta9754 Год назад

@@manisha7491u bought insurance through policy bazar?

@sureshchahal2568 5 месяцев назад

konsi company ka term insurance liya ji aapne.plz share.i m confused.

@arvindbarke4836 Год назад

All products have their own importance in any life. Term insurance and Health Insurance are basic investment and cannot be compared with investment instruments . Rest one should always have Mixed basket with balanced SIP Endowment , NPS, PPF .. investing in Equity markets just because of more than 16% returns is just overrated. One should also have endowments to mitigate risk involved in Equity

@satysharma8020 Год назад

Jai Shri Krishna Mukul sir as usual your videos are highly informative and to the point. Ramji aapka Kalyan kare.

@ABCDC11 Год назад

You tube par app jaise knowledge, simple words mai , bahut kam log dete hai , Thank You so much

@AssetYogi Год назад

Thanks

@amolmali3583 Год назад

Very nicely explained. Thank you so much Mukul-G for your kind efforts and this detailed explanation.

@AssetYogi Год назад

keep watching Amol

@tradingfinance8944 Год назад

Good job 👍 Aaj mera confusion door ho gya ye insurance policy ka .well done ✅ sir

@AssetYogi Год назад

Keep learning

@palashkhatri7820 6 месяцев назад

Thank you @Asset Yogi , for such detailed video.

@tech_wizard9315 Год назад

Please make a detailed video on top 5 health insurance policies which provide super top up of 45-50Lakhs

@bintu23ryubbj Год назад

Superb, fantastic, combo of term insurance & mutual funds, except Lic & U lips, thanks yogi sahab.

@AssetYogi Год назад

Thanks

@ajeetashok Год назад

Sir, apki es vedio se kafi help mili h ki kis type ka plan le sake. Aap se request hai ki aap health insurance k regarding bhi ek aisi hi vedio banaye....🙏🙏

@AssetYogi Год назад

Noted Ajeet

@vlogswithvinit4463 Год назад

Sir Thank you for sharing this valuable information with us, your video clears all the questions.

@honeyjarial5547 Год назад

Your video presentation is more attractive to play further videos. Now i will definitely plan for term insurance. Thank you for your valuable video. ☺️

@kirandeshmukhdk Год назад

Your note of watch @1.5x is much appreciated. Thanks for saving our time. BTW the content was useful.

@AssetYogi Год назад

Glad to help

@parth8730 Год назад

Excellent presentation..what a deep analysis.. fabulous Sir💞

@AssetYogi Год назад

Thanks Parth

@rohitjadhav-th2bt Год назад

Sometime i feel so lucky ki aap hame mil gaye aur hamari zindgi behtar banadi thanku so much sir for coming our life❤🙏🙏

@madolednyaneshwar1 Год назад

Thank you for giving the proper knowledge regarding this topic. We need this kind of youtubers 🙂🙂

@AssetYogi Год назад

Keep learning

@Brijesh8080 Год назад

I like your personal finance videos. God Bless you !

@AssetYogi Год назад

Thanks Brijesh

@journeytowardswealth Год назад

Very nice effort sir. A very simple explanation about life insurance. Thanks a lot.

@AssetYogi Год назад

Keep watching

@vikasjha4396 11 месяцев назад

Your video is very helpful, thank you ❤️ sir 🙏🙏🙏

@ABDIGITALBANEGAINDIA Год назад

Wow 😲 Nice explanation Sir 👌 Quality Content Sir

@AssetYogi Год назад

Thanks

@ajayagicha2407 Год назад

Very knowledgeable sir. Thankyou very much.

@AssetYogi Год назад

Thanks

@PraveenGuptaThinks Год назад

Sir, If someone already bought a term plan. can he make changes in the term plan like increasing the cover and if he is later diagnosed by any disease what should he do?

@VikashKumar-qr2cb Год назад

Very detailed and informative video All doubts r solved at a single place

@suroorfaisal7240 5 месяцев назад

Thank you soooo much sir,mere sare doubts clear ho gye apki iss video se

@ashishwadhawan3523 Год назад

Thankyou Assetyogi for guiding people for insurances 🙏

@AssetYogi Год назад

Thanks Ashish

@prafulltiwari6374 Год назад

Totally complete information about life insurance..Thank u sir

@AssetYogi Год назад

Glad to hear Prafull

@santuadhikary9950 Год назад

Thank you so much!!

@akhileshchandra2702 10 месяцев назад

Very good .complete information is given regarding subject.thanks.

@13181815 Год назад

Very much honest and detailed analysis.Thanks.

@AssetYogi Год назад

Glad it was helpful!

@shyam1290 Год назад

Too Good | Very well explained >>> Very informative👌

@AssetYogi Год назад

Thanks

@prasenjitdeshbhratar3281 Год назад

Great effort....salute..... And Love

@2887raj Год назад

Detailed explanation for novice like me...kudos to u and ur time 🙏

@AssetYogi Год назад

Thanks Raj

@Vishalrkoli9615 Год назад

Very informative video sir… Thanks

@AssetYogi Год назад

Thanks Vishal

@vv1057 Год назад

Thanks for all the information. One question: Should both partner buy term insurance or one can buy term and another can buy premium return plan?

@AssetYogi Год назад

That depends. Both can buy the term insurance also, but its individual choice

@aftabahmadsiddiqui7118 Год назад

very informative, thanks to you

@akhilpeddina6348 Год назад

Marvellous job by Asset yogi. Highly appreciated

@AssetYogi Год назад

Thanks Akhil

@RahulSaini-ti6vz Год назад

Very informative..thanks a lot.

@AssetYogi Год назад

Most welcome Rahul

@Yatri234 Год назад

Very nicely explained 👍👍 Please make a video about taking Health Insurance policies.

@AssetYogi Год назад

Thanks

@santoshkumarch4583 Год назад

Sir. I have a query with regards to BONDS @ SBI WEALTH BUILDER plan. I've paid 50K per annum for 5 year's. I am currently into 8th year. Waiting period is 6 year's, i.e. 5 years & 6 year's. 100% invested in BOND option only. Is it good time to exit, and reinvest in any other asset class. As at the time of market turmoil, Bonds do well. It seems. Please guide💐🙏

@Poojan24 Год назад

Really useful details, Thank you for sharing this.

@GauravDhandhukia Год назад

Online प्लान खरीदना जितना आसान है क्लैम करना उतना ही कठिन। किसीको पता ही नहीं की क्लेम करने के लिए कहां जाए, कैसे करे।

@AssetYogi Год назад

Noted Gaurav

@quadxtech7263 5 дней назад

Correct everyone is giving gyan on how to buy, no info on claim process.

@VickyRathor0917 Год назад

Knowledgeable ❣️

@AssetYogi Год назад

Thanks

@satyanveshi1939 Год назад

Mukul excellent vidoe kudos to all the editing and presentation U have done to make this video interesting. One point you have missed here. I don't think term insurance stays same premium amount it keeps increasing with age. Can you please clarify that. Then your calculations will not be the same.

@parvinder6606 Год назад

Thanks Sir aap bahut hee saral tarike se samjhate hai har pahlu ko

@jitendrasuthar186 Год назад

Sir , best mediclaim pe bhi video banaye

@shagunb45 Год назад

I think return of premium is good at the age of 60-70 if we are getting a corpus of 10-15 lac depending on premium amount paying addition of some money would be good

@salimahmedali9249 Год назад

Consider inflation into the picture....the value of 10-15 lacs will be wayyy less when u reach 60-70

@beasty007 Год назад

well bro you need to improve your financial understanding.

@rohitasharora007 Год назад

Sir, can you make a video about how to do management analysis of listed and unlisted companies.

@maheshchavan612 Год назад

Thank you for all the detailed videos on various topics. Your videos are best source to understand any new topic for novice user.

@AssetYogi Год назад

Thanks Mahesh

@Hi0715 Год назад

Can you please make video on health insurance for pre-existing mental illness?

@anandzala2779 Год назад

Thank you so much Mukul ji, you are doing a great job. Request you to make a detailed video on GIFT DEED (Gift given to parents), there are no any content and clear information about this.

@AssetYogi Год назад

Thanks Anand

@rameshkarhale1990 10 месяцев назад

Very nice information sir 👌🏻👌🏻thank you so much sir ❤

@mayankmilind1251 Год назад

Hey nice video. But you didn't touch upon the zero cost coverage (Fancy term ehhh) where in term insurance you get the invested return back if you pass on you covered age for example 85 years. Yes premium is charged little higher but it may give little peace of mind ki i will get my premium amount back if I survive past the covered age.

@ramnidhipandey4736 Год назад

Bahut badhiya jankari diya aap ne dhanywad

@AssetYogi Год назад

Thanks

@tirupatiagency893 Год назад

An eye opener

@bhugolersahajpath9914 Год назад

Thanks..... Superb analysis ❤️❤️

@AssetYogi Год назад

Thanks and welcome

@ravindrabarmaiya433 Год назад

very nice & valuable information in effective manner with comparison. Great sir

@AssetYogi Год назад

Thanks

@619ry7 Год назад

Guy right now I'm planning to term life insurance Please recommend which one is best

@shivjeesingh3014 Год назад

kotak life insurance it's pure term insurance plan

@sirajshaikh3674 Год назад

Mukul keep posting good videos like this don't stop your good work!

@AssetYogi Год назад

I will Siraj

@rupankifashionNeeva Год назад

Thank you sir. You have covered almost points...

@AssetYogi Год назад

Most welcome

@cpjhala Год назад

Thanks for sharing the importance news.

@ashishomar277 Год назад

Can you please explain why cover should be “X” times of the annual income rather than annual spendings?

@GauravDhandhukia Год назад

can anyone calculate/estimate spendings ?

@ojasmittal6838 Год назад

Because your annual spendings should not be>than annual income

@rajmohare6029 Год назад

Very Informative Mukulji... also, pls make video on How health insurance companies offering 1cr cover at almost same premium of 5Lack cover.. its really confusing as one would always go with option that offers more cover in same amount... much appreciated.

@AssetYogi Год назад

Noted Raj

@sbychoudhary2296 Год назад

got some fundamental idea . thank you asset yogiji

@AssetYogi Год назад

Most welcome

@DhiruJi02 Год назад

Nice information given by you Sir...thanx❤

@rajwindersingh7039 Год назад

Thank You So Much..... A Lot of Respect For You ❤️

@AssetYogi Год назад

Keep watching

@rajwindersingh7039 Год назад

@@AssetYogi Kuchh din se dekh raha tha Policies. Today after watching your video finally got some clarity and baught a term plan of 1.2Cr Thanks ❤️

@vishnusharmamudgal Год назад

@@rajwindersingh7039 sir kaunsa liya fir

@Rupeshteacher Год назад

@@rajwindersingh7039 sir I am also trying to purchase which one you bought?? Plz tell it will help us

@rajwindersingh7039 Год назад

@@vishnusharmamudgal I went for MaxLife as it has highest claim settlement ratio.

@IAMBHARTIY Год назад

For 1 cr amount term plan should we think claim settlemaint ratio, because in market there are many companies who gives cheaper premium for me @35 year old & for 70 year age. So which one should i select? Low premium or top companies with high premium?

@Kumarpallabsarkar Год назад

Reputed company se Lena hi achha hoga...like IDFC,HDFC,LIC,MAXLIFE etc. And Mera hisab se off line Lena hi achha hoga..for claim. And age 80 years Tak lene se claim pane ka probability achha hoga!

@IAMBHARTIY Год назад

@@Kumarpallabsarkar okay thanks

@vickysuper416 Год назад

Very well explained, thanks

@mohandixit8005 Год назад

Thankyou for sharing knowledge 🤗

@AssetYogi Год назад

Most welcome

@subeshsapkota Год назад

hi , i think we should buy team insurance without return of investment and we should take critical illness rider thanks sir 😀

@beasty007 Год назад

instead of paying tax atleast for one year you can do what the OG said which is you can pay the entire premium of your term insurance in one go. Atleast this way you would have a term insurance with the money that you were already going to give to government.

@jerrygaming556 Год назад

I have 3-4 LIC endowment plans costing almost 75k per year. I've been paying from 2019 so its been almost 3 years Should i stop it & shift to term insurance ??? Which term insurance company should i go for ?? LIC term plans are costing me around 22k per year for 1 cr. For 25 years should i take it or i need to go after private companies plans ??? Please suggest me !!🙏🙏🙏

@hemantkambli7278 Год назад

From 30 Nov2022 LIC new tech term plan premium increased by 30-35% now it become too costly as compared to other companies.

@savinantony5631 Год назад

As per my idea, stop endowment plan (paid up). And take term plan. Please search top term plan in you tube. Watch atleast 6-8 videos before conclusion.

@hardikvaghasiya2472 Год назад

Hello sir me aapke har aek video dekhta hu but... Aap aek aeshi series banayyee .. Sector wise stock ko kaise analysis kra jayye?? Jaise ki... Banking sector Steel sector Pharm sector IT sector Etc

@binodkumar7964 Год назад

बहुत ही आसान और शानदार तरीके से समझाया आपने । 👌👌👌👌

@AssetYogi Год назад

Thanks Binod

@EUREKA_IN Год назад

Qualifications required for term insurance 1) most companies require graduation 2) income above 5 lakh per annum, atleast above 10lakh per annum if not graduate 3) Annual income here refers to income other than bank interests, rents. CORRECT ME IF I AM WRONG

@pranavkulkarni3252 Год назад

Same question, if any person salary is 25000, can he avail term insurance

@savinantony5631 Год назад

@@pranavkulkarni3252 yes

@ImranAhmed-ip6rs Год назад

@@pranavkulkarni3252 yes I have taken a term insurance with 28k salary.

@funnydubbing7730 Год назад

bhai agar fake it bhare 5lkh ki to?

@hareeshyadav2870 Год назад

@@pranavkulkarni3252 presently no company provide any term insurance below 5 lakh income.

@third3eye Год назад

Also while purchasing term plan everyone should consider MWP act. It should be signed. Otherwise family won't be able to get exact benefit you considered.

@kiranhon7894 Год назад

What is MWP?

@third3eye Год назад

@@kiranhon7894 marriage women protection act... in which if you opted for term insurance and not signed mwp then any benefit amount which supposed to handover your spouce or nominee can be deducted by ongoing loans. So if mwp is signed all promised benefit will get to spouce.

@kiranhon7894 Год назад

Okay thanks, checking with the insurance company for this clause

@sharathkumarhk4260 Год назад

However in the end, family should pay off the loans right? Whether with the claim settled amount or personal amount. How will the MWP act help the family? Please clarify.

@AssetYogi Год назад

Noted. Its the receiver discretion how he/she wants to receive the money

@streak1122 Год назад

U r the best guide for insurance knowledge.Thank you so much sir

@AssetYogi Год назад

Keep learning Ranjit

@penfriend4209 8 месяцев назад

🙏very well explained. Thank you so much

@ivinitmittal Год назад

Very well summarised!!💯

@AssetYogi Год назад

Thanks

@samiganatra7894 Год назад

You should have to consider gst on premium. Like on pure venilla term plan gst on premium is 18% whereas on money back plan gst is 4.5% (2.25% from second year onwards)

@CccHaresh9996 Год назад

Good point 👍

@vipulchakurkar3921 Год назад

Can u present us the calculation?

@samiganatra7894 Год назад

Types of insurance describe as under Term insurance plans A term policy is one of the most economical and preferred types of life insurance plans. It is a pure-protection plan because it only has a death benefit and not a maturity benefit. In case of the policyholder’s demise during the term of the term policy, the nominees will receive the sum assured. For term insurance, there is a standard 18% GST applicable on the premium payments. Endowment plans An endowment plan is a type of life insurance where there is both a death and a maturity benefit. This means the sum assured is paid in a lump sum either on the maturity of the insurance plan or in case of the policyholder’s demise. For endowment plans, the GST applicable is slightly different. For the first-year premium, there is a 4.50% life insurance GST rate. For the following years, there is a 2.25% GST rate applicable. Unit-Linked Insurance Plans (ULIPs) ULIPs are a little different from traditional life insurance products. They offer a policyholder an opportunity to grow their money through insurance. ULIPs are part insurance and part investment products. For ULIPs, too, the GST levied on the premium is 18%. The best part is that this GST rate covers both the fund management charges and the premium payments

@AssetYogi Год назад

Noted

@ms1409 Год назад

@@samiganatra7894 No GST is levied on ULIP.

@karamjitsingh4223 Год назад

I was so doubtful about term. Thnks a lot for solving all.🙏🏻🙏🏻

@AssetYogi Год назад

Most welcome

@himanshukhinchi5906 Год назад

Sir you clear all the things very nicely🙂😊

@AssetYogi Год назад

Keep watching

@anirbandatta3758 Год назад

can anyone tell me is ZERO COST TERM plan good?

@sureshkumar-ts3mc Год назад

Thanks very much for useful information

@AssetYogi Год назад

Keep watching

@dearvivekkumar 9 месяцев назад

Can we buy 2 separate term plans from 2 different companies? Will it add have advantage?

@ShahidAzizSiddiqui Год назад

Best video like always. Kya term insurance sirf salaried class ke liye hota hai?

@reliableservices214 Год назад

Hello sir you have given very good information but I have a question if ten years or thirty years money is invested in mutual fund then it is all acceptable to get so much return but if something happens to a person during this period of ten or twenty years then mutual fund What can help?

@sachinmd6770 Год назад

In all ratio LIC is best for Trem Plan(as per IRDA Report)...But Policybazar will not show LIC term plan.😀

@thakurdeepanshsingh8989 Год назад

Because LIC is dependent on offline agents thats why it may not available on many online portel.

@sachinmd6770 Год назад

@@thakurdeepanshsingh8989 Even agents also promote online LIC term plan (Plan No.954). Because now everywhere talk about only Term plan. And people are very well aware due to youtube Gyan.🙂

@hemantkambli7278 Год назад

@@sachinmd6770 From 30 Nov2022 LIC new tech term plan (954) premium increased by 30-35% now it become too costly as compared to other companies.

@deepeshagarwal2431 Год назад

Exactly

@gaganjeet01 Год назад

@@hemantkambli7278 true but jisko government backend chaiye wo lic hi prefer krega and in terms of CSR or ASR it's quite good 👍

@narendrakumarjaiswal1863 3 месяца назад

Thanku you sir... Nice explanation...

@jitendrajangu8772 Год назад

सर आप कम से कम सप्ताह में एक विडियो जरूर पोस्ट करें। जिससे कि आप के ज्ञान का हम लाभ ले सकें। तथा साथ ही आपकी प्यारी आवाज सुनने को मिल सके।,,

@jayanmachingal6863 Год назад

Sir, I think you missed tax benefits on insurance premiums and also it’s tax free returns. Could you consider these 2 when doing the comparison? Thanks

@AssetYogi Год назад

Noted Jayan