Nishkriy aay aur nivesh ke baare mein baat karante hue, main ab protsaahan kee prateeksha nahin kar raha hoon jaanchen Kyonki main $38,000 kamaata hoon haal hee mein har 11-12 dinon mein l
@Jeff Wayne Mainne keval apane aap ko ek behatar bitcoin brokar ( Expert Olivia Baker) khojane ke lie kiya tha, ab main haal hee mein har 12 Dinon mein $38,000 kamaata hoon.
Hello mem HDFC CLICK 2 3D PLUS PLANE. Liya hain. Meri payment me on-line har mahine due date ke pahle pay karta hoo. Isko me yearly me convert karA sakta hoo
मैंने अपने term insurance मे regular mode लिया है, (yearly payment). और इसे अपने bank account पे ECS के जरिये जोड़ दिया है, due date आते ही अपने आप bank a/c से premium कट जाता है, याद रखने का एवं policy laps होने का झंझट ही खत्म 😎😎
Mam, aegon life I turm plus plan with critical illness rider, aur turm insurance me critical illness product health se related hai to portability kyo nahi hoti.
Hello Ma'am You have not mentioned anything about Tata AIA term plan. Claim settlement ratio is high compare to others in current scenario.expecting something about it from your side. Thanks
Hi Swati Mam.. Asking this question as Newbie to all this things..and want to learn more. I am 22 yrs old working in Private Firm. My firm offers me Health Insurance apart from that i am planning and constructing my retirement corpus while investing in MF. Wanna know how this Term Instagram can help me. And what are benefits. And apart from this what are the possible investment areas or instruments a new working class should seek in to have a better financial independency. Thanks in advance for your answer 😊 Looking forward for your valuable advice as always.
It is always advised to go with regular premium and don't think much of it. This is not an investment plan that it will give you any return, it is your life insurance. If you have excessive amount then you can invest that in some other assets where you can generate some good return in long run instead of paying all to insurance companies. If you are going with regular premium and in case of death, your premium will be stopped immediately and the nominee will receive the sum assured amount then and there. So please don't fall into the traps of limited pay or single play options.
Thanks ma'am ❤ I have just purchased at 38 year age1cr plan paid two month premium also but while purchaing i have shown plan of normal term plan 1700 monthaly or 27258 Rs yearly without rider 40 years and 12 years pay limited 5352 monthaly or 61926 Rs approx return premium 6,69,313 in lakh Rs for 4% with rider after 40years. i have choose return premium. And traped. Now after watching video may be i will cancal term plan Tata aia smart raksha plan. & Purchase only pure term plan no need return. Remaing amount invest other SIP,MF,plan sbi contra like. In how many days we will cancel policy..for refund
Mam kya ek person two or more term plan alag alag company ke le sakte hai kya.1cr ka ek company ka na le kar 25 25 ke four different companies ke Li sakte ha kya.only for is any one company reject the claim. Mam please answer
Hello Madam. Aaj kaal online policy lene se policy provider/ insurance companies policy documents ka only soft copy provide kar rahe hai. Hard documents nehi de rahe hai. Kya ye future me mere family ke liye koi samsya ban sakta hai?
Hi mam I am a big fan of u 😊 I have allready aegon term insurance, sum assured 25 lakh with additional accidental rider of 18 lakh from 2017. Want to increase my term cover. ICICI , HDFC term company offered only 50 lakh cover as my annual income and MAX Life offered 50lakh-1crore with increasing term cover .all companies are quite good with solvency ratio and claim settlement ratio. #Max life insurance is a joint venture with axis bank. Q)1--should i go with max life insurance? Q)2-- should i go with monthly or half yearly or annually premium?
i think full time pay is best option for term plan, but for his premium payment you have to fix the deposit of 1 time pay payment and his interest amount to pay his premium.
Agar return of premium option hoga toh milega .. par premium thoda jyada lagega .. Aur critical health rider lena hi chahiye .. agar blind hua .. ya apang hua .. ya koi badi bimari Hui to .. aapko lump sum claim mil sake treatment ko bhi ..aur pariwar chale me bhi .. Agar aapka heath insurance ho phir bhi Lena chahiye .. Jyada nahi pay karna padta .. rider ke liye .. Critical health rider ka claim sirf diagnosis pe hi mil jata hai .. bahut sare plans me .. jaise .. i protect smart by ICICI.
Swati Mam, My age is 40 and I want to take term insurance regarding this I had applied HDFC Life for 50 L but my application was reject for base of salary then policy bajar told me for buy pnbmetalife insurance. So can you guide me for this insurance company, I can buy policy for this company or not
Hello mam, my age is 24 ... Maine hdfc life ka term insurance liya h... Jiska prem. 1460 rs per month h for next 41 years... But agr mai limited pay use krta hu next 28 years tak to mera prem. Only 13 rs extra h.. 1473 per month hoga... To mere liye kya choose krna thek hoga..? Plz suggest
Hello mam, I'm your long time viewer. Now I need your suggestion. Mam I want to start two sip with 10 thousands, one is for 10 years and another one is for 30 years. I'm 25 years old. Which plan will be better for please recommend me best two plans according to time plan. Please 🙏🙏🙏🙏🙏🙏🙏
Good evening madam, agar ham 10 sal ka option ka paisa khud se mf ya market me yrly premium ke hisab se Lagaye aur regular premium bhare to after 10 yr jo paisa banega usemese hi premium bhare 30 yr to bhi bahut Sara rs bachega aur time jese badhega regular premium bhi hame kam hi lagega.
I am buying term insurance, as a payment mode i wanted to select a regular monthly premium, but my fear is that I could miss the premium which may lead to policy lapse. to avoid that I am searching for a solution something like, to block the amount in the bank account only for this premium OR I could maintain some cash flow from some other source to this payment mode on the date of payment. But I am not sure whether is there any provision like that from the bank! am stuck here Please help me if know any solution
Term plan mai Income se jada cover lete hai tho claim dete samai company konsa income consider karegi. For example my current annual salary is 4L * 20 time's tho mai aaj 80L tak cover le sakta hu. Maine 1cr or 2Cr ka liya. After 5 year's my annual salary is 10L or 12 L. What's companies T&C on this pl review on this thank you madam
I buy HDFC life 1cr for me on Limited pay of 10 years for 75 years of my age and i pick this option as i dont want to pay my premium for a long time and it has less risk of policy laps as compare to regular pay option.
@@mehulkumar2930 already watched but I purchased the policy in 2018 befor he upload the video 😄. Now just 7 years to go. But buy a 2nd policy with regular pay options.
Term insurance is to cover the shortfall of income for your family when you are not alive. So its always advised to take term insurance till retirement age (60yrs max). No point in taking term insurance for 75yrs. Also term insurance should be 20-30x of your annual income.
Hi mam my age is 33 year, i have purchase hdfc term plan in 2019 feb after that in march i got hypertension problem and medicine treatment is going on ,my question is that if policy buyer is get detected by hypertension or diabetic, then buyer need to inform the insurance company or not and will it the reason for claim rejection in future.or i need to cancel existing policy and do fresh policy with on going medical condition. and one more thing is that my policy term year is very long i need to decrease it coz my premium payment will reduce please explain me what to do.
क्या 8 साल प्रीमियम देने के बाद भी टर्म प्लान का क्लेम रिजेक्ट हो सकता है, यदि हमने कोई छोटी बीमारी छिपाई है और उस बीमारी से हमारी मृत्यु नहीं हुई हैं , मैंने 8 साल का प्रीमियम तो भर दिया , अब टर्म प्लान बंद कर दू या चलने दू ? या नया प्लान वापस लेकर बीमारी बता दू क्यों की Section 45 of Insurance Act 1938 ये कहता की 3 साल बाद क्लेम रिजेक्ट नहीं होगा PLEASE HELP
swati madam nice explain about term plan. madam I already purchase lic e term plan n premium paid yearly because of my job is in risk work (I m engineer n I am work in height as well as some risk work). madam lic e term plan is good or not? my term premium is 10500/-Rs yearly is 50L coverage.
💝💝💝@Be wealthy ma'am if someone have some loan liability then upon demise of that person bank will recover outstanding amount from that policy maturity amount, right? Is there any legal way of marking whole term plan benefits for family only, means how can we protect insurance claim amount from any outstanding loan recovery? Plz answer. 🙏🙏🙏 Also I am planing to take two different policy, one from private and another from govt owned company. Is there any loss in doing this apart? Thanks, waiting for reply or quick video covering this. 💝💝💝
Hi Madam, Thank you for your clarification, have taken regular premium term plan, the difference of One time Premium amount invested in direct equity market. Though it is risky for retail investors to invest in such a volatile market. But for long term hoping to get better return. Please evaluate based on your analysis. Thanks
Bahut logo ki video dekhta hu, pr itna clearly kuch hi log smjha pate hai, very informative video.
Bht badhiya... Same yhi sare mere questions the... Jo ki mujhe aapse mil gaye... Thank you very much 🙏
Your video is really helpful for me to decide, which payment option I should pick.
Beautiful madam
Maine icici Ka 50th lakh ke ley monthly plan liya hai🙏🙏🙏
I am your big fan swati G maine HDFC click 2 protect 4 years ago hi liya hun jiska premium annual mod mein hai
Continue kare
Nishkriy aay aur nivesh ke baare mein baat karante hue, main ab protsaahan kee prateeksha nahin kar raha hoon jaanchen Kyonki main $38,000 kamaata hoon haal hee mein har 11-12 dinon mein l
haan main bhee, main jaanana chaahata hoon ki aap chand dinon mein itana paisa kaise kama lete hain.
@Jeff Wayne Mainne keval apane aap ko ek behatar bitcoin brokar ( Expert Olivia Baker) khojane ke lie kiya tha, ab main haal hee mein har 12 Dinon mein $38,000 kamaata hoon.
@Alexandra Torres aapako use WhatsApp par likhana hoga;💬👇👇
±𝟏𝟖𝟒𝟖𝟐𝟗𝟕𝟎𝟔𝟑𝟐📞
haan, yah sahee hai, bitakoin treding ab onalain paise kamaane ka ek bahut hee aasaan tareeka hai.
EMI month lena chahiye ya yearly
Please reply
Dhanyawaad Swati wealthy😄 madam!!!
Superb information
I have purchased Limited Pay option for 5 years. Because my job working is limited year.. so paying 5 year is better for me
Beautiful presentation
सरल शब्दों बहुत अच्छे से समझाया स्वाति जी👌👌🙏🙏
Lic la term plan with waiver off rider kya sahi rahega till my retirement age
Good suggestion
I bought a policy of TATA AIA Smart Sampoorn Raksha plan. Is it right policy for term including return. Plz advise.
Bahut accha laga
Dear mam please suggest in best tram plan my age is 40 yera my budget early in 12 se 15000 PPT 20
Mam,
Regular pay me term insurance ka preimum nhi bharna padega yadi insurer ko khuda n khasta kuch ho jata hai tab..
Hello mem HDFC CLICK 2 3D PLUS PLANE.
Liya hain.
Meri payment me on-line har mahine due date ke pahle pay karta hoo.
Isko me yearly me convert karA sakta hoo
Talk to hdfclife customer care
Very nice information ma'am. Thanks
Stock returns k bare me bare me bhi batayein compare to investing in lump sum in stock vs policy
Hello’ mam pls tell me a good etf fund…
Good knowledge sharing.thank u mam
Thank you Mem
मैंने अपने term insurance मे regular mode लिया है, (yearly payment). और इसे अपने bank account पे ECS के जरिये जोड़ दिया है, due date आते ही अपने आप bank a/c से premium कट जाता है, याद रखने का एवं policy laps होने का झंझट ही खत्म 😎😎
It’s great ma’am
Thanks Madam
Thxs mam giving good knowledge
cover jyada age ka lene k fayade or kam age ka lena ka fayde batao.
Mam, aegon life I turm plus plan with critical illness rider, aur turm insurance me critical illness product health se related hai to portability kyo nahi hoti.
मैम मै एक एल आईसी का पालीसी लीया हु कया मै turm plan le sakta hu usme koi issu to nahi hoga covering time pe
I will choose regular premium.
Great vedio mam
Thank u mam .good knowledge
Very good job madam god bless you
Hello Ma'am
You have not mentioned anything about Tata AIA term plan. Claim settlement ratio is high compare to others in current scenario.expecting something about it from your side.
Thanks
Claim settlement ration is good beacause no of customers are less as compared to LIC.
@@akshaybaser5494 True but LIC plans are costly as of now. Specifically term plan.
Mam ek army person ko term plan lena chahiye ya nahi?Agar lena chahiye to koun sa lena chahiye.plz reply me..
Ma'am nmastey. Mutual fund me direct invest kre ya agent ke through.
Good
Pls confirm
Monthly better
Or
Yearly payment better mem
Regular payment
If health insurance avl the. Which riders better
Swatiji request to to make video on pension plans of LiC and other with Apy
Thanku
Meri age 29 hai health plan and term plan konsalu
Hi Swati Mam..
Asking this question as Newbie to all this things..and want to learn more.
I am 22 yrs old working in Private Firm.
My firm offers me Health Insurance apart from that i am planning and constructing my retirement corpus while investing in MF.
Wanna know how this Term Instagram can help me. And what are benefits.
And apart from this what are the possible investment areas or instruments a new working class should seek in to have a better financial independency.
Thanks in advance for your answer 😊
Looking forward for your valuable advice as always.
Very nice video mam
It is always advised to go with regular premium and don't think much of it. This is not an investment plan that it will give you any return, it is your life insurance. If you have excessive amount then you can invest that in some other assets where you can generate some good return in long run instead of paying all to insurance companies.
If you are going with regular premium and in case of death, your premium will be stopped immediately and the nominee will receive the sum assured amount then and there.
So please don't fall into the traps of limited pay or single play options.
Term plan me maturity ke baad kuch amount return milata hai esake baare me ek video banaye.
Hello mai 49 years ki housewife hun. Kya mujhe term plan lena chahiye aur kaun sa better hoga
is it compulsory I t return for term policy
Mam meri umr 53 hai to konse insurance le
Yearly primium
Dear madam please make vedio on endowment plan. Is it wastage of money or useful. Most comnany provide less benefit on endowment plan.
Namaste Swatijee
Thanks ma'am ❤
I have just purchased at 38 year age1cr plan paid two month premium also but while purchaing i have shown plan of normal term plan 1700 monthaly or 27258 Rs yearly without rider 40 years
and
12 years pay limited 5352 monthaly or 61926 Rs approx return premium 6,69,313 in lakh Rs for 4% with rider after 40years. i have choose return premium. And traped.
Now after watching video may be i will cancal term plan Tata aia smart raksha plan. & Purchase only pure term plan no need return. Remaing amount invest other SIP,MF,plan sbi contra like.
In how many days we will cancel policy..for refund
Mam kya ek person two or more term plan alag alag company ke le sakte hai kya.1cr ka ek company ka na le kar 25 25 ke four different companies ke Li sakte ha kya.only for is any one company reject the claim.
Mam please answer
Yes
Medam , Limited period kaa options liya he.
Thanks madam
Hi ma'am... your presentation style really nice ... and getting good knowledge
Nice info..
Mem
Giving Good knowledge
Which company take terms plan??
ICICI prudential, HDFC ,TATA AIG.
All are best
Please suggest term insurance for farmers 🙏
Lic me aisa nhi hota please guide me
Thank you 🙏
Apki smile mam sukkon wali h
The video is very informative
Mam maine monthly premium option liya hai kyuki mai ek govt. Employee
Hello Madam. Aaj kaal online policy lene se policy provider/ insurance companies policy documents ka only soft copy provide kar rahe hai. Hard documents nehi de rahe hai. Kya ye future me mere family ke liye koi samsya ban sakta hai?
Koi problem nahi hoga
Mam kya policy bazar se term insurance lena sai hoga ya fir offline lena sai hoga .kindly reply
Direct company se Lena thik hoga .. taki claim milne me asani ho ..
Aapko personal support milega ..vo bhi aapke most important time me ..
Madam mana lic ka trem plan 25year ka liya hai. Mary age 34 hai. jiska perem haf year hai .may job karta hu .madam Kya thik fasla hai
non working house wife ke liye term insurance lena sahi hoga?
Hi mam I am a big fan of u 😊
I have allready aegon term insurance, sum assured 25 lakh with additional accidental rider of 18 lakh from 2017. Want to increase my term cover.
ICICI , HDFC term company offered only 50 lakh cover as my annual income and MAX Life offered 50lakh-1crore with increasing term cover .all companies are quite good with solvency ratio and claim settlement ratio. #Max life insurance is a joint venture with axis bank.
Q)1--should i go with max life insurance?
Q)2-- should i go with monthly or half yearly or annually premium?
If you ask me continue your aegon insurance and take 25lakh cover from anyone of three companies.
Mam mere pas ICICI term plan he 1.25 cr ka he . Smoker and drinker ka he criteria .
Preimium 2116 Rs per months
Covered till my Age 76 yrs.
Many thanks mam.. BW. R
Swati ma'am , looking so beautiful. An excellent video 👍👍👍👍👍 Most informative video. Thanks for video 🙏
My age is 30 yrs as of now. For how long I need to cover my term insurance. Should I go for 70 yrs or more than this
i think full time pay is best option for term plan, but for his premium payment you have to fix the deposit of 1 time pay payment and his interest amount to pay his premium.
Thanks ma'am. Is term plan going to get expensive in near future?
Hello Madam... Tearm plan me age ke bad paise return ho jate hai... Iske baare me kuch bataye aur kya hame rider lena chahiye... Pls help me
Plain level term plan le without any rider
Agar return of premium option hoga toh milega .. par premium thoda jyada lagega ..
Aur critical health rider lena hi chahiye .. agar blind hua .. ya apang hua .. ya koi badi bimari Hui to .. aapko lump sum claim mil sake treatment ko bhi ..aur pariwar chale me bhi ..
Agar aapka heath insurance ho phir bhi Lena chahiye ..
Jyada nahi pay karna padta .. rider ke liye ..
Critical health rider ka claim sirf diagnosis pe hi mil jata hai .. bahut sare plans me .. jaise .. i protect smart by ICICI.
Good work mam..
Swati Mam,
My age is 40 and I want to take term insurance regarding this I had applied HDFC Life for 50 L but my application was reject for base of salary then policy bajar told me for buy pnbmetalife insurance.
So can you guide me for this insurance company, I can buy policy for this company or not
Hello mam, my age is 24 ... Maine hdfc life ka term insurance liya h... Jiska prem. 1460 rs per month h for next 41 years... But agr mai limited pay use krta hu next 28 years tak to mera prem. Only 13 rs extra h.. 1473 per month hoga... To mere liye kya choose krna thek hoga..? Plz suggest
Limited pay le lo
Term plan online ya offline ya policy bazar shi hoga .plz reply
Online direct company ki side pe jakar kharid sakte hai ..
Ya offline bhi aapko assistant mil jayega ..
Hello mam, I'm your long time viewer. Now I need your suggestion. Mam I want to start two sip with 10 thousands, one is for 10 years and another one is for 30 years. I'm 25 years old. Which plan will be better for please recommend me best two plans according to time plan. Please 🙏🙏🙏🙏🙏🙏🙏
Index fund mai kar do 30 year wala best rahega. Long time mai index funds best hai. 10 years ke liye Parag parikh flexi cap mai kar sakte ho.
Good evening madam, agar ham 10 sal ka option ka paisa khud se mf ya market me yrly premium ke hisab se Lagaye aur regular premium bhare to after 10 yr jo paisa banega usemese hi premium bhare 30 yr to bhi bahut Sara rs bachega aur time jese badhega regular premium bhi hame kam hi lagega.
Maine Kai bar aapko Bajaj Allianz ka Goal Assure ulip plan ke bare mein Kai bar likha tha magar aapka koi jawab
I am buying term insurance, as a payment mode i wanted to select a regular monthly premium, but my fear is that I could miss the premium which may lead to policy lapse.
to avoid that I am searching for a solution something like, to block the amount in the bank account only for this premium OR I could maintain some cash flow from some other source to this payment mode on the date of payment.
But I am not sure whether is there any provision like that from the bank! am stuck here Please help me if know any solution
स्वाती जी टर्म इंश्योरेन्स लेने के लिए रिटर्न फाइल करना जरूरी है क्याप्लीज जरूर बताएं
Return Dena compulsory hai
Very useful information in all aspects
Term plan mai Income se jada cover lete hai tho claim dete samai company konsa income consider karegi. For example my current annual salary is 4L * 20 time's tho mai aaj 80L tak cover le sakta hu. Maine 1cr or 2Cr ka liya. After 5 year's my annual salary is 10L or 12 L. What's companies T&C on this pl review on this thank you madam
LIC tech term not covered? What is your view on lic tech term plan
Lic term plan is excellent
I buy HDFC life 1cr for me on Limited pay of 10 years for 75 years of my age and i pick this option as i dont want to pay my premium for a long time and it has less risk of policy laps as compare to regular pay option.
You should've opted for regular premium and made profits with the extra money bro :))
Watch LLA video on Term insurance.
@@mehulkumar2930 already watched but I purchased the policy in 2018 befor he upload the video 😄. Now just 7 years to go. But buy a 2nd policy with regular pay options.
@@mehulkumar2930 who is LLA?
Term insurance is to cover the shortfall of income for your family when you are not alive. So its always advised to take term insurance till retirement age (60yrs max). No point in taking term insurance for 75yrs. Also term insurance should be 20-30x of your annual income.
@@dilipofutube Labour Law advisor
Mam in LIC term insurance one time payment mode me riders include nahi hote . Pls espar focus kare
Very well explained ma'am.
Hi mam
my age is 33 year, i have purchase hdfc term plan in 2019 feb after that in march i got hypertension problem and medicine treatment is going on ,my question is that if policy buyer is get detected by hypertension or diabetic, then buyer need to inform the insurance company or not and will it the reason for claim rejection in future.or i need to cancel existing policy and do fresh policy with on going medical condition. and one more thing is that my policy term year is very long i need to decrease it coz my premium payment will reduce
please explain me what to do.
After three years claim reject nahi hota💯
looking so beautiful ma'am and thnx for great information
क्या 8 साल प्रीमियम देने के बाद भी टर्म प्लान का क्लेम रिजेक्ट हो सकता है, यदि हमने कोई छोटी बीमारी छिपाई है और उस बीमारी से हमारी मृत्यु नहीं हुई हैं ,
मैंने 8 साल का प्रीमियम तो भर दिया , अब टर्म प्लान बंद कर दू या चलने दू ? या नया प्लान वापस लेकर बीमारी बता दू
क्यों की Section 45 of Insurance Act 1938 ये कहता की 3 साल बाद क्लेम रिजेक्ट नहीं होगा
PLEASE HELP
Reject nahi hoga payment delay ho sakta hai
धीरज जी आपके सवाल का जवाब इंस्टाग्राम पर दिया है, ये लिंक है उस वीडियो का
instagram.com/tv/CUkSGGphSmM/?
Thank you so much Ma'am..
Very nicely explained..
swati madam nice explain about term plan. madam I already purchase lic e term plan n premium paid yearly because of my job is in risk work (I m engineer n I am work in height as well as some risk work). madam lic e term plan is good or not? my term premium is 10500/-Rs yearly is 50L coverage.
💝💝💝@Be wealthy ma'am if someone have some loan liability then upon demise of that person bank will recover outstanding amount from that policy maturity amount, right? Is there any legal way of marking whole term plan benefits for family only, means how can we protect insurance claim amount from any outstanding loan recovery?
Plz answer. 🙏🙏🙏
Also I am planing to take two different policy, one from private and another from govt owned company. Is there any loss in doing this apart?
Thanks, waiting for reply or quick video covering this.
💝💝💝
Hi Madam,
Thank you for your clarification, have taken regular premium term plan, the difference of One time Premium amount invested in direct equity market. Though it is risky for retail investors to invest in such a volatile market. But for long term hoping to get better return.
Please evaluate based on your analysis.
Thanks
Mam my self paying regular premium , but how can I recovered the premium after paying all. Is ther any technique ?
Yes after taking policy, just die after some years al premium will be refunded to your nominee