Term Insurance Kya Hai in Hindi – Term Insurance Lene Se Pehle Kuch Jaruri Bate

Term Insurance Kya Hai in Hindi - Kaise Le Insurance

Kai log bima bolte hain kai log insurance, esse ap jo bhi bol le apni language mein yeh ek suraksha kawach hai, jo apko har age, aur har varg ke liye aj ki sabse badi need ban chuka hai. agar hum sidhe bat kare, toh sudh insurance lene ke ikchook logo ko apne liye term insurance policy he leni chahiye kyunki ye term policy endowment policy yar fir money back policy ke mukable kafi sasti hoti hai.

Tho chaliye friends aj hum baat karte hain term insurance ke bare mein, ki kyu term insurance apke liye bahut jaruri hai, ye term insurance apko kya benift deta hai? aur aap kaise choose kar sakte hain apni liye ek sahi insurance policy.

Term insurance har situation mein apka sath deta hai.

Term insurance plan ko market main sabse cheap aur sasta mana jata hai. Term insurance policy ko pure protection plan bhi kaha jata hai. aur mool roop se esse unexpected circumstances se apko bachane ke liye design kiya gaya hai. yeh 3 types Sum Assured, Level Benefit aur increasing benefit mein ate hain. Term insurance policy, endowment ya money back policy ke mukable kafi sasta hota hai. Price low hone ke karan ap kam yani ki low premium de kar apni family ke liye jada bima cover hasil kar sakte hain.

Term insurance mein agar apke sath bhagwan na kare koi unhoni ho jati hai, toh aise situation mein cover ki puri rashi apke nominee ko de di jati hai. halanki apke surakshit rehne ki disha mein apko policy ko koi fayda nahi mil payega.

Term insurance kaise help karta hai?

Term insurance buy karne se pehle jo baat sabse first taye karni chahiye wo hoti hai policy ka sum assured. Ye apki lifestyle aur current loan jo apne abi liya hua hai uske according taye hoga. jis person ke bima hua hai uski time se pehle death par sum assured ka use baki ka loan chukane mein kiya ja sakta hai. Term insurance policy mein maturity benift nahi milta hai. waise term insurance ke sath ap kuch riders bhi buy kar sakte hain. jiski raashi apke premium mein he shamil hoti hai. ye jo riders hote hain inka selection ap policy lete time he kar sakte hain. jab aap term insurance buy karte hain toh us time apke samne us time kafi choices hoti hain. unme se ap apne choice ke hisab se behtar vikalp chun sakte hain. ap chahe toh return of premium rider le sakte hain ya fir income replacement ka vikalp hi choose kar sakate hain.

How to choose best term insurance plan jo khas apke liye ho?

Ye to apko pata he hai ki term insurance plan sasta hone ke sath sath kafi faydemand bhi hai. eska karan yeh hai ki jab ap term insurance policy buy karte hain toh ap apne bare mein puri information achi tarah bharte hain. na ki apne anumaan se..

aise mein apki family ko pura fayda milne ki puri sambbhavna rehti hai. Financial planner ke according term insurance un logo ko lena chaiye jinke upar apni family ki jimmebari agayi hai. Agar apki marriage ho gayi hai aur apni family mein bal bache aur mata pita hai, jo puri tarah se ap par depend hain toh apko yeh term insurance plan jarur lena chahiye.

Agar ap shadi shuda ho ya nahi ho, fir bhi apko protection aur savings ko need hoti he hai. Term insurance aise logo ke liye bhi hai jo apna future plan karke chalte hain. ek normal whole life insurance 40 yaa esse jada age ke married person ke liye kafi sahi vikalp hai. Normal whole life ke sath term rider un married logo ko lena chahiye, jo 40 ki age se kam ke hain. Whole life policy buyer ko apne dependents ke future ke liye saving pradan karta hai. lekin esi time apko risk cover ke liye kati jani wale rashi par savdhani bartani chahiye. risk cover ke liye kati jane wali rashi ko kam se kam rakhne ko preference dena chaiye, apni policy ki surrender value bhi pata kare aur yeh bhi jarur pata kare ki kya bina kisi penalty ke policy withdraw karne ki facility deti hai ya nahi.

kaise aur kya buy karna chahiye.

Term insurance buy karne ke 2 tarike hain. pehla apn online insurance le sakte hain ayr fir ofline bhi term policy buy kar sakte hain. agar hum en dono ko compare kare toh ofline insurance buy karne ki jagah online insurance buy karna kafi sasta hota hai. kai jagah toh ye 50% tak kam ho sakta hai. eska matlab hota hai ki ap kam paise de kar adhik rashi ka bima buy kar sakte hain.

Insurance lete time kuch bato ka khyal rakhe.

Policy ki sahi avadhi janne ke liye apni retirement age mein se current age ko minus kar dijiye. Suppose ap aj 35 saal ke hain aur 60 ki age tak retirement lena chahte hain to apki policy ki term 60-35 = 25 years hogi.

agar ap insurance policy buy kar rahe hain to apni aur apni family ki medical information bilkul sahi tarike se hi de, saste premium ke chakkar mein ap agar wrong information dete hian to claim ke time ne kewal apke nominee ko kafi problem ho sakti hai balki jada tar mamlo mein claim kharij bhi kiya ja sakta hai. Medical test karwa le.

Term insurance online lene se 30% tak sasta ho sakta hai. kyunki esme agent ki commission nahi hoti.

Term insurance buy karte time puri information de aur kuch bhi chupaye nahi. apki health ki condition, apki family history, aur apni agar pehle koi aur policy already li hai to uski information bhi jarur de.

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