வணக்கம் சார் ஒருத்தர் ஒரு கம்பெனியில் லாங் டெர்ம் பாலிசி போட்டு இருக்காரு அதே நபர் மற்றொரு கம்பெனியிலும் பாலிசி போடலாமா அதை பத்தி கொஞ்சம் தகவல் இருந்தா நல்லா இருக்கும்
சார் உங்க வீடியோ எல்லாத்தையும் பார்ப்பேன் ரொம்ப யூஸ். நான் term insurance edukanum. I am nri. Salary cash ah kudupanga. Nre account iruku. .term insurance nan edukalama?? My age 36
I was working in abroad by contract basis. Past 5 months I am jobless and staying India. But after 2 months I will be work in abroad, Is that possible to take term policy sir ?
Your vedio is very much useful in Tamil. After that I have done half-yearly first payment and finished medical and waiting for policy issue. But my relative said that Bajaj has failure history in all type of insurance earlier and how could you believe that. Thus I am asking you frankly, the term which is associated with any banks are more trust than these individual terms? Shall I continue Bajaj allianz or I can switch to better?
No issues with Bajaj. Icici bank different & icici prudential are different companies. SBI bank and sbi life are also different companies. Banks are just brokers of selling life insurance companies. Claim settlement rate of Bajaj is higher than Sbi, icici, hdfc..
@@periyaraja3883 is Bajaj Allianz term insurance is good ?? I I'll decide to take that term insurance with increasing life cover variant.. your opinion pls
hi sir i planning to buy term insurance Bajaj or hdfc life can i go which one is best. my option is bajaj whole life till till-99 age kindly advise which one.
Is the increasing life cover option is better than regular. Like in 10 years whatever amount we want would be doubled. So isn't good option then regular. As premium also bit less then regular ?
how is tata Aia srs vitality protect? I'm 41..2ckakhs premium per year and pay term is 5 years and so I pay only 10 lakhs ..cover is 8 5 years and assured 1.5 crores life cover and survival benefit is 10 lakhs..what is the catch?
10lakhs you paid at the rate of 6% will grow to 1crore in 40yrs. They are going to give back only 10Lakhs. So avoid that option go for pure protection. Cover upto 65 is enough
It is wonderful time to start saving. Unit liked plans will be excellent. You need to be careful while setting up nominee for his policy. Simple thing can be his mother.
@@sampathkumar3121 not all Ulips are good. You have to check the Allocation charge, admin charge and mortality charges. But life cover is very low in Ulip. Instead take term insurance and invest in mutual funds
I am having kotak Eterm policy for 1 cr this is 10 times of my CTC , I paid 10500rs for past 2 yrs , I have checked ergo and ICICI pru premium is more so I went to kotak eterm, is it fine ?? I have been told while taking policy after demise of insurer the nomine should get NOC from parents or siblings to give NOC for claim is it true???
@@nivasexcites thanks for reply, recently I started seeing ur video and more informative I understand importance of health insurance after seeing ur videos, please suggest whatsapp to contact
Here I'm working in IT 3lap per annum I'm planning for Term insurance for my mom but she is Housewife(single parent) suggest me any solution sir which one is best
Sir my mother working as a housing keeping in certain company for 9 years .now annual income 2.3lakhGrosses and net 1.7lakh ....but she passed 10th ....what type of insurance Is better ..tell me sir..
Term insurance risk is high the premium cant be chep. if premium isl ow it is cheating only.All indian life insurance companies Re insure with swissRe only.There also no difference. Same risk same re insurance cost. How come reduce premium?That is cheating. That company will fail and lose
Then why claim settlement ratio of Lic is lessthan private insurance companies. Reinsurer for Max life reinsurer is Max fin services & Mitsui sumitomo insurance. For Bajaj, Allianz SE. For HDFC, HDFC international life and RE. Now all the private companies have started Reinsurance business globally. Pls update your knowledge.
Disability benefit or critical illnes ethvathu onnuthan choose panna mudiyuthu in Bajaj,. But in tata we have both options , which one is best Bajaj or Tata But i am not sure about customer support for any issues in both , it looks like not good for both. Bajaj Allianz premium 11000, yearly,. Tata AIA 12000 which one is good for same options
In my scenario, I need both riders like critical illness disability and accidental disability. But bajaj is not providing both options in same plan. max insurance is providing both options therefore max secure is good. Max is also covering 64 critical illness. I've analyzed icici, hdfc, bajaj, tata ai, kotak and Max. In my opinion, Max is good
வணக்கம் சார் ஒருத்தர் ஒரு கம்பெனியில் லாங் டெர்ம் பாலிசி போட்டு இருக்காரு அதே நபர் மற்றொரு கம்பெனியிலும் பாலிசி போடலாமா அதை பத்தி கொஞ்சம் தகவல் இருந்தா நல்லா இருக்கும்
Yes you can do. But inform the new company about your existing plan
சார் நான் ஒரு சின்ன கம்பெனி ல டிரைவர் ஆ வேலை பார்க்கிறேன். சம்பளம் மாதம் 16000 pay slip இல்லை... எந்த term plan எனக்கு சரியா இருக்கும்....
Sir, you can take Unit linked insurance. Minimum income should be 25000 monthly for term insurance
Very Useful Video👍
Thanks a lot
சார் உங்க வீடியோ எல்லாத்தையும் பார்ப்பேன்
ரொம்ப யூஸ்.
நான் term insurance edukanum.
I am nri.
Salary cash ah kudupanga.
Nre account iruku.
.term insurance nan edukalama??
My age 36
Hi sir
@@vijayankowsalya7530yes bro
Sir evaluvu years ku premium cover pandra mathri edukanum.
Upto age 65 is enough.
சார் எனக்கு வயது 32 நான் மாதம் 18000 சம்பளம் வாங்குகிறேன். Term life insurance coverage எவ்வளவு வரும்.
Hi sir.. Which company team insurance is good? For amount settlement ratio With IRDA data wise?
super sir good explanation
Thank you
My term policy has incorrect DOB, I apllied for correction but no action from them, what can I do
Cancel the policy..
Bajaj allianze matum epdi sir ivlo kammi premium la tharanga... Nambi podalama?
They make less profit and sell more
Thankyou for replying sir...
Choose one plan
Max or Bajaj alliance?
I was working in abroad by contract basis. Past 5 months I am jobless and staying India. But after 2 months I will be work in abroad, Is that possible to take term policy sir ?
Last 3months salary credit statement required. After joining we can apply
Your vedio is very much useful in Tamil. After that I have done half-yearly first payment and finished medical and waiting for policy issue. But my relative said that Bajaj has failure history in all type of insurance earlier and how could you believe that. Thus I am asking you frankly, the term which is associated with any banks are more trust than these individual terms? Shall I continue Bajaj allianz or I can switch to better?
No issues with Bajaj. Icici bank different & icici prudential are different companies. SBI bank and sbi life are also different companies. Banks are just brokers of selling life insurance companies. Claim settlement rate of Bajaj is higher than Sbi, icici, hdfc..
Thank you sir.
@@periyaraja3883 is Bajaj Allianz term insurance is good ?? I I'll decide to take that term insurance with increasing life cover variant.. your opinion pls
Term insurance non graduate people Ku possible irukka illaiya therinjavanga pls sollavum nanri
For NRI, not possible. For Indian residents, 10Lakhs income required.
@@nivasexcites ok sir thanks for your reply
Hello sir .....what's your opinion about Kotak Mahindra insurance
You can take.. it's good only
@@nivasexcites thank you sir
Which is best insurance company polics,?
Check with maxlife or bajaj
what is the claim settlement and amount settlement ratio for this?
95%
20000 month salary vagan insurance vaga mudiuma sir
You can take if your income crosses 2.5lakhs. hope you have completed Graduation
@@nivasexcites sir i have completed Diploma
This is considered graduation or not 🙏
hi sir i planning to buy term insurance Bajaj or hdfc life can i go which one is best. my option is bajaj whole life till till-99 age kindly advise which one.
Upto 65 is good. Or max 85 is enough. Avoid whole life
@@nivasexcites tks sir
@@nivasexcites may i know wat is the reason max 85 sir
Is the increasing life cover option is better than regular. Like in 10 years whatever amount we want would be doubled. So isn't good option then regular. As premium also bit less then regular ?
Premium is high in increasing life cover
how is tata Aia srs vitality protect? I'm 41..2ckakhs premium per year and pay term is 5 years and so I pay only 10 lakhs ..cover is 8 5 years and assured 1.5 crores life cover and survival benefit is 10 lakhs..what is the catch?
10lakhs you paid at the rate of 6% will grow to 1crore in 40yrs. They are going to give back only 10Lakhs. So avoid that option go for pure protection. Cover upto 65 is enough
Sir Term insurance edukum pothu Gross Salary sollanuma or Net Salary amount sollanuma?
Gross
Sir SBI LIFE PATHI SOLLUNGA
Hello Sir, my son is 5 years can you suggest some plans on insurance plus savings
Invest in mutual funds for his education. Take term insurance for yourself. For more info Whatsapp to 9994266772
It is wonderful time to start saving. Unit liked plans will be excellent. You need to be careful while setting up nominee for his policy. Simple thing can be his mother.
@@sampathkumar3121 not all Ulips are good. You have to check the Allocation charge, admin charge and mortality charges. But life cover is very low in Ulip. Instead take term insurance and invest in mutual funds
I am having kotak Eterm policy for 1 cr this is 10 times of my CTC , I paid 10500rs for past 2 yrs , I have checked ergo and ICICI pru premium is more so I went to kotak eterm, is it fine ?? I have been told while taking policy after demise of insurer the nomine should get NOC from parents or siblings to give NOC for claim is it true???
Wrong info. Claim money will be given to nominee only. If nominee is not mentioned in policy, then only this issue will come.
@@nivasexcites thanks for reply, recently I started seeing ur video and more informative I understand importance of health insurance after seeing ur videos, please suggest whatsapp to contact
Age 30 Male sum ASSURED 1cr
Accident RISK 2 cr.Non smoker.
What is annual premium?
Annual income more than 10Lax
R.Balu
WhatsApp to 9994266772
Add on for total permanent disability due to Stroke accepted sir?
No. Accidental disability is only covered
Bajaj Allanz No Ridees available for NRI
Only basic Term insurance, Death naturally or illness or Accident.
Riders not available in any company for NRI'S
Hello sir, I am working abroad, my education qualification is 10th + 3 years Diploma, is this okay for taking nri term insurance?
Currently not possible
Thanks bro
Welcome
Here I'm working in IT 3lap per annum I'm planning for Term insurance for my mom but she is Housewife(single parent) suggest me any solution sir which one is best
For housewife, Term insurance not required
Bajaj life insurance la term insurance podalama sir,
Yes you can do
I took 20L accidental insurance for family of 3 with SBI general
Self 20L
Spouse 10L
Kid 2L
Yearly 1750 incl tax
Your thoughts. I earn 9L PA
accidental insurance will cover only accidental death. its not enough. apply for proper mediclaim policy. and term insurance for you.
@@nivasexcites I earn 10L. Have wife n a son 7yrs. Please tell good term cover till 70.
@@shri2947 send your details to whatsapp no 9994266772
Good explanation sir my husband age 47 ene term policy edukalam sir pls solunga sir
@@venkatachalamvenkat9214 took medical policy for 20L in Hdfc ergo
Sir Small request Rs.15000 Salary person Term insurance eduka mudiyuma ???
Sir Edge limit
65
Is Max life term insurance policy good to take??
Yes. You can tale. But they tale long time for conversion of policy.
This is only for high income people?
Minimum income for graduates is 3 tp 5lakhs
My income 200000 per annum, please can you suggest any for my life cover?
Sir my mother working as a housing keeping in certain company for 9 years .now annual income 2.3lakhGrosses and net 1.7lakh ....but she passed 10th ....what type of insurance Is better ..tell me sir..
Term insurance not required for her. Have you taken term insurance?
@@nivasexcites TQ you sir
Already term insurance eduthutan.. ipo raiders add pana mudiuma?
Mostly no. But few companies may accept. Pls check with them.
Annual Income is 270000 is eligible for 50 lakh term life insurance sir
Yes eligible if age is lessthan 50.
How to get full information sir... ?? Can I get a number sir plz !!!!!
WhatsApp to 9994266772
@@nivasexcites your free time ??
@@karthiga111 10.30am to 6pm
Term insurance risk is high the premium cant be chep. if premium isl ow it is cheating only.All indian life insurance companies Re insure with swissRe only.There also no difference. Same risk same re insurance cost. How come reduce premium?That is cheating. That company will fail and lose
Then why claim settlement ratio of Lic is lessthan private insurance companies. Reinsurer for Max life reinsurer is Max fin services & Mitsui sumitomo insurance. For Bajaj, Allianz SE. For HDFC, HDFC international life and RE. Now all the private companies have started Reinsurance business globally. Pls update your knowledge.
I want to take term insurance shall select Tata AiA or Maxlife? Kindly confirm
Check bajaj allianz premium
Disability benefit or critical illnes ethvathu onnuthan choose panna mudiyuthu in Bajaj,. But in tata we have both options , which one is best Bajaj or Tata
But i am not sure about customer support for any issues in both , it looks like not good for both. Bajaj Allianz premium 11000, yearly,. Tata AIA 12000 which one is good for same options
If you want both riders, choose Tata. Otherswise choose bajaj
@@nivasexcites i can see some bad comments about tata, what is your take on this?
Take separately that too with standard Lic only. All others waste paper
@@narayananlekshminarayanasa3217 Lic tech term is good. Not jeevan Amar.
👍
Thank you
Sir,🙏 After completion of two and half years suicide will cover in term inusurance?
Yes. It will cover
Hi bro my dad 67 years old he is retired central government employee monthly pension 25000 .which term insurance available for him
Term insurance not required for him
@@nivasexcites what can i do broo
@@hari.s1423 take health insurance.
Take corporate health insurance
TATA AIA SAMPOORNA OR MAX SECURE PLUS OR BAJAJ ALLIANCE, Which is best term insurance for 85rs? which will best after 30-40years
Premium is low in Bajaj and claim settlement is also good.
@@nivasexcites thank you
In my scenario, I need both riders like critical illness disability and accidental disability. But bajaj is not providing both options in same plan. max insurance is providing both options therefore max secure is good. Max is also covering 64 critical illness. I've analyzed icici, hdfc, bajaj, tata ai, kotak and Max.
In my opinion, Max is good
@@karthikraj4691 👍 ok
@@karthikraj4691 Thank you so much
NOT USEFUL
S̤i̤r̤ p̤n̤b̤ m̤e̤t̤l̤i̤f̤e̤ 25L̤ p̤l̤a̤n̤ t̤e̤r̤m̤ i̤n̤s̤ṳr̤e̤n̤c̤e̤ o̤k̤ v̤a̤