Watch this before buying Term Insurance
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- เผยแพร่เมื่อ 9 ก.พ. 2025
- Buy Term Plan & Get Online Discount Upto 10%👇
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Best term plan : tinyurl.com/5n7...
About 90% of viewers likely have some form of LIC policy, usually obtained by their families, but they are mostly useless.
Typically, these LIC policies guarantee a sum of 5L for a premium of 30K per year for a coverage period of 20 years, with the insured receiving the money back after the specified duration. The coverage amount may be inadequate, and the same premium can secure higher coverage, making term insurance unique. One can get up to 1Cr coverage with just 6000-7000 per year.
Term insurance differs from life insurance in that it has a finite duration. Coverage is valid only for the specified period upon purchase. Unlike some regular insurance plans that return the entire amount, term insurance doesn't refund the premium paid. The expectation of getting back the money is considered greed.
Term insurance is essential for breadwinners without sufficient investments to support their families or those with liabilities. It is not necessary for those with enough investments or no dependents.
To determine the ideal coverage, calculate 25 times your annual family expense, adding any outstanding loans. For example, if your annual expense is 6L and you have a housing loan of 50L, you would need 2Cr in term insurance coverage. While some may think 1Cr is too high, accounting for inflation shows that it is approximately worth only 25L in today's value after 20 years.
Ensure you have ample coverage for an adequate duration; a term extending beyond the age of 55-60 becomes rather pointless.
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Watch This Before Buying Term Insurance | How Much Coverage You Need? Term Plan Explained
Buy Term Plan & Get Online Discount Upto 10%👇
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Bro plz make clear video about health insurance
Congratulations for 100K bro, you deserve it. Kindly follow the current style and genuinely. That is very important. 🎉
Pls stay careful else these guys will start spamming with calls
@@senthilprabhumkCorrect 💯 sir
Bro, is it ok to buy multiple term insurance ?
😍This TH-camr stands out by offering direct to content and explanations in simple language, without any unnecessary introductions. Congrats for 100k.
Exactly today my age is 28.... next 10th day turning 29.... thanks for the video
Boosan, your video's are extremely good and you always provide clear and concise information. This works even for a general audience who watch your video for the first time. Really useful videos... All the best.. deserve more subscribers.. cheers!!
Thank you Boopathy, glad you find them helpful ❤️
As a fellow youtuber with music as niche, it is great to see you are growing steadily because of your clear and precise content explanations. Way to go boosan ❤
Thank you MadrasMusicMix ❤️
Because of your videos i started my investment journey..Your way of explaining the things are very easy to grasp..Thanks for making this kind of videos
I'm a recent subscriber to this channel. All the videos are very informative and helpful for the beginning investors. I got more information on the basics. Thanks for that. Also I can see very less Tamil channel talking about finance and most of the channels are in Hindi or English. So this channel is definitely needed for the people.
Super bro.. Oru proper clarity erukku unga videola
Bro all your works are excellent! Special thanks to that savings video which you have posted some days back.. keep going 🎉
Lucky to find your channel on TH-cam Thanks bro
Hello Brother!
Your information is excellently well explained, very concise & fantastic quality.
Is it possible to get English subtitles for this video? Some of the recent videos have english subtitles but the older ones dont have it!
Thank you my brother, please keep doing the good work, it's helping many people from all sections of society & hopefully God will reward you in return! :)
Very informative. You articulated it really well. Thanks for sharing 👍
neat and clear bro... u have great teaching/narration skill.... very informative
Discuss about how to choose good Health insurance.
Vera level bro, tooooooo happy for you... Clear info and must needed for me.
Vera yethum doubt na sollunga sir I'll Guide
Bro
I'm subscribed by watching single video. You should deserve more 🎉
Bro apdiyae health insurance yaruku theva, theva ilaenu oru video podunga.
Bro health insurance ellarukum theva bro
Yellarukum thevai .
Yellaarukkum
Health insurance : th-cam.com/video/p0RyfYnScZc/w-d-xo.htmlsi=KEyxnNhjNEUTwmMF
Policy bazaar la salary kammiya 5lakhs varai potta ICICI , HDFC , MAX life mathiriyana periya insurance companies kattamattuthu..10 - 15 lakhs potta Ella company um kattuthu..yaen ippadi.. salary athigama vanguravangaluku than nalla company ah.. therinjavanga sollunga pls..
Super Boosan bro, Term insurance its very use full for every person, I a get very clarity for above video,
Thank you,,🎉🎉🎉
Contact me sir na Guide pandren am a manager of Icici prudential
Clear explanation sir ❤
Hi boosan.. Very informative video 👍
But you should mention that this is policy bazaar sponsored video or an AD
Best Health insurance policy pathi sollunga bro
Looking forward to see demystify Health insurance video.
Lic la insurance bond kuduppanga...broker face to face parthu bond vaangikkalam...but neenga solra term insurance ku apdi bond kidaikkuma??...online la insurance choose panni panrathukku namakku acknolegement,a vachi company,a approach pannanum nu theliva sollunga bro
Thank you bro
Perfectly Explained 🙏
Thank you very much for your useful information
No brother
Even if we're investing difference. We're not sure how much discipline we'll have. So better to take till 85
Thanks a lot mate I was looking for a video like this and the link
1. Nammaloda 60 years kulla die agalana, kasu thirumba tharuvangala?
2. entha situation la die ana claim varathu?
3. Claim procedures enna?
Congrats for 100k subscribers dude
Bro plz make brief video for health insurance
Very well explsined
Health insurance pathi sollunga bro🎉....
Bro really thanks for this video 🎉kudos to your hardwork😊
Term insurance yeduthutingala sir
Yes bro
Bro en husband age 36 premium kamiya irukura company solunga and smooker nu kandipa podanuma?
Bro please reply panunga, video end la oru visyam solli irukinga neenga evlo period ku TI potrukingalo andha period ku coverage kedaikum adhuku aprm neenga pota amount kedaikadhu nu solirukinga adhu enanu sollungalen please 🙏🏻
Please do a brief video on diff between Life and Term Insurance bro
Stock market psychology pathi video podunga bro
Simple bro
When everyone is in panic buy ,accumulate stocks
When everyone is in greedy simply book profit
@@krish8769 I don't know where to invest bro. I'm ready to gain knowledge, but I don't know where to get it. Suggest something that'll help me bro 🙏
@@wonder_of_y0u bro there r lot of utube channels
I will list down some -
1.Share market academy - basic video playlist
2.Retail options
3.Trade Achivers
4.Pivot call
5.CPR by kgs
6.Finvezto tamil
7.Sahil badhvaliya
8.Stunner share
9.A&A trading blog
Start with 1st channel then proceed one by one
We need information about health insurance..
Bro your videos are superb and informative. I'm working in state govt, will I need term insurance?
Super sir I got some idea about term insurance
Nandri thalaivare🙏🏽
Ithula mandate option disable pana mudila
...monthly automatic ah pay pandrathu disable pana muidyum ah
Apdiye health insurance, employer provide pana athu after retirement port pani extend panalama konjo details ah solunga...
Apdiye SWP pathiyum detail ah solunga pls...unga short swp discussion pathen...full length ah explain pana nala irukum 🙏🏽
How to make regular income from investments? SWP With Live Demo | Earn & Make Money at same time
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Wonderful explanation bro 🎉 keep going
Congratulations for 100k bro❤…
Thank you Nivesh ❤️
20 yrs varaikum onum agalana 20yrs aparam enna amount kodupanga
Hello, I have seen your videos regularly and it is worth our time. Thank for that. I have a doubt on Term insurance. I have taken a term insurance 3 years back and it is ongoing. Currently I am abroad. Lets say if something happens, will the term insurance will be still valid or it will be valid only if I am in India? Thanks in advance.
As far as I know, Relocating to a different country doesn't impact the coverage of your term life insurance, provided you continue to pay your premiums punctually.
@@finance.boosan Right. Thank you so much brother.
which one company is the best term insurance ur opinion tell me sir❤
Tata technologies IPO
Pathi videos podunga bro pls
Bro please explain what is solvency ratio??
How to buy health insurance and things to take care pathi oru video please
Super explanation bro
Thanks for the information, Could you please explain the riders on the term insurance! Like Critical Illness/disability cover - Opting them would be beneficial?
Contact me sir na Guide pandren am a manager of Icici prudential
Bro assetplus pathi video pannunga...
Hi bro
I watch your content regularly and it is very useful and informative. Recently I exit one of the index fund. Can I consider Navi nifty fifty index fund is it good when considering all other error rate is also low and less expense ratio?
BEST Index Fund for 2023 - Analysing TOP 5 Index funds - தமிழ்
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Yes Navi is a good fund in index category
Very useful information. Thanks bro.
What about riders like critical illness, wavier of premium, permanent disability etc?
Can we include that riders in term insurance?
Please put a detailed video with term insurance.
You can explain with max life
Contact me sir na Guide pandren am a manager of Icici prudential
What about the extras. Are they worth it?
You got new subscriber bro.. Thanks for the clarity but one doubt.. for what type of deaths they settle the amount.. if we are diagnosed by deadly disease one year after taking the policy and died means will they settle the amount to our family..
Yes, this will be covered.
There are few things which will not be usually covered like dangerous sports, drug related deaths, self-inflicted wounds. Suicide within 2 years of policy purchase etc.
@@finance.boosan appo 2 years ku apram suicide panna kooda coverage kedaikkuma bro.. you became my fav youtuber just in a single video..
May I know what mic you are using.. your voice is very clear so that we can easily gets into the topic
60 years varaikum nan pay pannuna athukumela nan irutha antha amount enna aakum bro ethachum kidaikum
Hi bro, enaku epo 21 age aagudhu. But enoda salary package is below 3Lakh. Epdii erundhalum 50 lakhs ku dha term kedaikum.. 1 crore varadhuku inu 2 years aagum. Epo edukuradhu best ahh ela two years wait pani 1 crore ku term edukuradhu best ahh???
Ipo 50L aporam 50L eduthukalam.
Bro health insurance pathi sollunga❤
Bank of Maharastra Today Range is S=42.25 R=45.60
Bro wil u speak about bond market
Anna please compare these two nifty 50 index vs nifty FMCG etf please
நான் Max life insurance இல் Term policy வச்சிருக்கேன். ஆனால் எனக்கு hard copy இதுவரைக்கும் கிடைக்கவில்லை. கேட்டால் covid19 அப்புறம் யாருக்கும் கிடைக்கவில்லை என்று சொல்கிறார்கள்
Hard copies are no longer a necessity. If you do need a physical copy, you can print one and store it safely, informing your family members of its location.
Hi bro oru doubt term insurance yedukanum na 3L meala yearly income irukanum ah apdi illa na IT file panni irukanum plz konjam sollunga nxt month bday varudhu adhukulla yedukanum policy
IT FILE PANNA THEVA ILLA BRO.. 3L PER ANNUM SALARY PACKAGE LA TERM PLAN EDUKALAM
Contact me sir na Guide pandren am a manager of Icici prudential
Policy bazaar la salary kammiya 5lakhs varai potta ICICI , HDFC , MAX life mathiriyana periya insurance companies kattamattuthu..10 - 15 lakhs potta Ella company um kattuthu..yaen ippadi.. salary athigama vanguravangaluku than nalla company ah.. therinjavanga sollunga pls..
No neenga Icici la pannaikalam
Very nice voice and good information bro. But one doubt natural death ku term insurance side la irunthu settlement kudupangala.
Yes, it'll be covered .
To know what is covered and what is not covered : instagram.com/reel/DAtE8l7sH4q/?igsh=NHY5c2JhaHIwbTZ6
Bro appdi patha term insurance at age 49, rs 2800 monthly katunalum kuda 2800 x 12 x 15 katuna kuda 504000 tha na bro varuthu appa epidi namaku 2cr claim pannuvanga
Any waiting period for claim
@finance Boosan congratulations for 1L subscribers
I have few doubt in zerodha
Holding nippon india index 218 is it growth plan or not
And Nippon gold bees too is it good for long term
Tata technologies ipo pathi konjam pesunga bro
Bajaj alliance is best? Sir
Please check or change your Mike sir... Audio is too loud and echo. Lacking voice clarity 😕
Bro wat is your education? I wanted to learn more on this area. How did you learn all this via college? please let me know,will be useful for many upcoming kids 😊
Hi bro, term insurance ku enna eligibility irukkanum nu sollunga bro
Ennoda annual salary 6 lakh. Diplamo padichirukkean bro
Intha salary and education eligible illanu soldranga antha advisor.
ungaluku adhigamana sum insured ku eligiblility irukadhu bro. may be idhu oru reason aah irukalaam.
Need more details to analyze and assist you further
@@Prithiv-IRDAI-InsuranceAdvisor Thankyou sir
Anna,ipo 70yrs varaikkum term insurance eduthu, untill 70 yrs varaikkum onnum aagala na money refund kidaikuma?
aiya ithu investment ilaya insurance. Refund venum na athuku premium athigama pay pananum
Bro, pls explain about best NRI investments plans
Contact me sir na Guide pandren am a manager of Icici prudential
Bro Best term plan nu kuduthurukengala Max life la athuu nenga sollira ella requirements uh cover pannutha bro
Nice video, but what if the Policy bazar company bankrupt ? 🤔
Policybazaar functions solely as an aggregator platform, facilitating connections between users and insurance companies. Our insurance policies are managed and maintained by these insurance providers. Therefore, any financial issues faced by Policybazaar would not impact the validity or management of our insurance policies.
@@finance.boosan Thanks for the info 🙏
Just applied for a Term insurance. And they insurer wants to schedule me a medical checkup. Is it normal? All the companies does this?
Yes that's the procedure
Yes that's the procedure for term insurance
This is absolutely normal and good for you too, during claim settlement insurer cannot say that you were not medically fit during the policy inception.
Insurers conduct medical test just to ensure you are in low risk zone so that they can cover you for higher sum insured.
Useful one ❤
Is it wise to take term plan in 47 years age
Is any restriction of defence personnel can buy term insurance??
No restriction but you need to mention
Hi bro
I’ m a beginner in trading
Can u pls tell me how to place swing trade order? Is GTT and swing trade same?
LIC Branded insurance இல்லையா?
Neraiya company sila products best ah vae vachirku sir.
How about professional indemnity insurance?? I see most of the Indian insurance companies offer only for Dr and not for IT like freelancers?? What any idea??..
I had one doubt
Planning to invest in Nippon India index bees and gold bees and mon100 NASDAQ
So let say get return 15% annual for compounding effect that annual 15% should reinvested ryt like every year.
So In zerodha how it will work should I reinvest my profits or it will automatically do ?
Stock analysis series podunga anna
Which is best in terms of all rounder package maxlife or ICICI?
Contact me sir na Guide pandren am a manager of Icici prudential
Hi Boosan I recently took a term insurance plan from Tata it’s still not activated and it free out period. I m a smoker of age 35 and I took plan for upto 85 years for a limited period of 5years so I have to pay 3.75 lakh annually for 5years over all its 18lakh. I can still go ahead and cancel this but I just want to know Wat I did wrong here and what would have been the right thing plz suggest. 2cr is the cover and I took rider and return of payment option too. Even the reason for wrong also might be the next concern first I need to know is this good plan or not so I can cancel it.
Please give me some clarity
Bro. Ennakko & en family ko debts illa. But when I try choose a coverage of 1cr, no insurance policy providers shows the policy , bcz of my educational qualification and of my current earnings per annum. In this case what I have to do?
Bro i had taken 1cr term for 80yrs with limited period of 15 yrs.Already 3 half yrly mode paid.right now can i continue this or take a new plan for 60 yrs.pl help me for clarification.
Lic la 50 L ,yearly 14,000 varuthu bro,worth or not? Easily claimable?
do we get money back if we outlive term life insurance?
Yes we can, in tata aia we have this option
Yes, only if you have chosen return of premium rider.
I differ on the age bcus now life expectany is 70 in india so bezt would be 75 . If you pay only till 60. And you are living with out no medical bills then all paid bill would be in vainn.. beneficsl fir tge companuyy
Bro please put video for how to make daily income
Recent tomes i have apply my term insurance incase my future that amount will be returem for my Mom and Dad other then that my spouse please ellobtate once
Am not the bread winner now. But will be getting married in another 2 years
Is term insurance needed?
Yes
@@finance.boosan ok thanks!
What about LIC
One doubt, ipo na 60yrs vera pay pandrn... Apo vera enaki yethum aagala.. but 62 yr la if am no more apo kuda en family ku intha amount poguma
No, policy will cease to exits from the next day of your policy term. so no claim will be paid
Term Insurance with Life Income is good or Bad?
It's depends up on you sir
Hello,
Term insurance edukum podhu waiver of premium rider NRI ku applicable illa nu solranga. Is that true?
No
Contact me sir na Guide pandren am a manager of Icici prudential