@@bekifaayati Max life mis sell cancer policy 6 yrs back,their sales executive forged the documents, n when I Took new life insurance policy I came to know about previous policy in the app, when I confront company regarding forgery,they told me we can't do anything,they have merged both policies in same client Id.,so i requested to demerge both policies bcz cancer policy was mis sell,they denied completely, Almost they harassed 1 month for the same,I have send more than 150 email to grievance team,but they didn't respond, so at last I cancelled my new policy too. So yes it's all paid reviews to misguide customer like us. Don't fall in their trap.
I paid ₹33,000 (5lakhs) family (36, 30, 4, 3 ages) in 2022 for 2Y ICICI Lombard insurance, but now it's ₹54,000 (2024). They charge high premiums and hike them frequently, i never claimed. Consider switching to another insurer with fixed premium, Finally, ICICI Lombard worst ever health insurance for new to future//existing customers
Maximum Life insurance cover k liye IRDA ki guideline predefined hai..... As i remember 25 times of annual income for a salaried person. You miss that point while drafting your formula.
term insurance in india compare to other countries are very expensive and manipulated during the claim. Its better to take term insurance from some other developed countries if possible as settlements are done without asking any questions if the documents are correctly presented.
Accelerated plan would end in 15 yrs max where you can pay off that payment easily as you mentioned income will increase. Then you remain covered. While normal plan, you have to continue paying premium till you are alive even after retirement where you might not be that much working to spend a big chunk in paying your term insurance at that age
Content is informative but please stop promoting or selling any specific life insurance,the statement 64 illness covered is soo misleading , ridiculous way to earn commission.
33year non smoker.. initially base premium 20732+gst 4539 after medical test non smoker and no alcohol only weight 97 calculated BMI additional premium 4481 for risk assessment totally 29752 i was paid..the point take home you have 2year of ITR file copy need or your are salary holder
Sir pls thoda help krenge.. Mera case jara samjhiye aur pls guide kriye.... Mere jija ji ne 2020 me 1 cr ka icici pru ki policy li us time unko koi dikkat nhi thi... 2023 january me unko heart se related dikkat shuru hui aur May 2023 me heart ko surgery hui sten aur ballon dala gya .. Fir thik the lekin january 2024 me dikkat shuru hui aur 6 April ko attack aya aur off ho gye.. 2023 me jab treatment hua tha us samay ek health policy reject ho gyi thi ek jankar ne galat jankari de di hospital me ke inko migrain aur diabities pahle se hai jabki aisa nhi tha fir dusre policy se claim kia tha... Ab maine claim kia hai..aur 2023 ki sari jankari maine de di hai... Kya reject ho sakta hai...
Your content is quite informative.. It would be good if you mention if this is backed by max life or not (nothing wrong no matter what).. It will help viewers to have perspective..
I didn't understand how ULIP is aligned with anyone's financial goals. Won't a Term Plan + Recurring Deposit / Index Fund SIP be better than a ULIP scheme for any cover amount and investment returns? Please explain if possible.
Ideally yes, Term Plan + SIP would be better but not everyone has the discipline to do both simultaneously. For people who don’t have the discipline, ULIPs serve the purpose
Arey ULIP un logo ko bhi cater krte hai Jo log term plan kharid hi na paye. Traditional endowment bhi unhi logo ke liye thk hai. Term plan ke liye ITR Dena padta hai, sabke pas ITR thodi hai. Sochie Zara
My doubts about smoking got cleared. But still there are lots of hidden terms and conditions which are to be checked. Like if you die in road accident and you were not wearing a helmet than will you get the money?
Ideally if anything is Self Inflicted it won't be covered by Insurance. Not wearing a helmet while driving could be categorised as self - infliction (taking unnecessary extra risks)
Yes bcz you have to pay less premium and u ll get higher bonus compared to other insurance policy but if u purchase insurance policy make sure to pay atleast for the next 3 year or else it will be treated as void and u ll lose whatever amount u paid earlier this is not only for PLI. But for all other life insurance policies
I am a LIC adviser,,,kya term insurance lic ka lete waqt insurer ki tobaco eating habit ho to batana jaruri he? Agent ki safety ke liye?smoking na karta ho to?
GREAT MAM, I WOULD GIVE SUGGESTION ON THE LAST POINT THAT DON"T BUY INSURANCE FROM AN AGENT OR FINANCIAL ADVISOR OR INVESTMENT ADVISOR RATHER BUY IT FROM INSURANCE ADVISOR OR INSURANCE CONSULTANT, AS THEY GIVE YOU BETTER ADVICE WITH NECESSARY PRODUCT AND ARE WAY BETTER THAN THE ABOVE MENTIONED PERSON. AND LAST THEY DON"T WORK FOR ONLY COMISSION THEY WORK TO SECURE YOU AND YOUR FAMILY FROM UNCERTAIN PHASE. THANK YOU
What if: I consider the 3.6 cr to be the net need of my family in case of a mishap. My net mutual fund and stock acc has 1 cr in it today and keeps increasing. Total term ins i hv - 2 cr Fd - 80 lakhs Total - 3.8 cr What do you have to say? I don't think I should take more term insurance since there is a problem of claim settlement often. So guys, if you save 40k per month you can easily be independent in 5-7 years.
May be by chance one health investigation missed to inform in proposal form and that report was normal in past and after 3 yr complaining paying premium and in future after few yr , death occurred, will nominee will get claim amount???
Max Life ne mera pagal bna rkha hai na hi policy issues kar rhe hai na hi reject kr rhe hai after ever week demand new document I don't recommend max life jb policy buy krne me hi etna jhamela hai to claim k time dependent ko bhi chakkar katvayege ye log
Hello If we are smoking occasionally like gate to gether or marriages & drinking same way Then we can tick smoking/drinking options??or not i.e. waste of extra premium.
Even if you're smoking 1 stick a month, you should ideally inform Insurance Company while taking the policy. If you haven't smoked in the past 2 years at the time of taking the policy, you will be considered as a Non-Smoker
Thank You for your wonderful video with information. I have one doubt Which mode of policy purchase is best such as offline and online ? If i purchase offline policy with my requirement then it is good?
Insurance organisations have been created ( except LIC as they have rules to deal with the clients) for the enjoyment of their employees by cheating the clients. They deal with the clients for their interest in some cases violating IRDAI rules. That is why IRDAI has to revise the insurance rules occasionally.
Hi mam section 45 a of term insurance ..every insurance agent say that claim can't be rejected on any basis after 3 years ..but is it really true....health insurance mei tou ye log 50k ka bill pass ni kartey
I buy max life term plan from policy Bazar and want to cancel but Policy bazar team is really not replying or helping for cancellation even after 30 days free look period, i m struggling. Kindly advice if someone can help. After paying premium they are not helping if it is customer need. So disappointed 😢😢
NRI Person india me term insurance le sakte hai par kuch year bad hum india me relocate ho jaye to tab to hum NRI Nhi rahege to insurance continue rahega ya nhi
According to Business Today, NRI life insurance policies remain valid regardless of citizenship changes. This means that maturity and death benefits will continue, and premium payments will continue as usual.
Once you purchase insurance policy do not make changes in policy or add riders. The 3-year rule in term insurance refers to a provision in the Indian insurance law, specifically under Section 45 of the Insurance Act, 1938, which states that after three years from the date of the policy's commencement, no insurance claim can be denied on any ground, including fraud or misrepresentation. Please share this information with your family, nominee . . .
The video started with you mentioning that when you read the t&c of your term insurance plan to aapka dimag kharab ho gya. Care to share what you found and under which category of the mistake you mentioned it would have been covered?
Few examples 1) Money will be first settled with creditors in case of any loan obligations, then to Nominees. This would be categories under 2nd Mistake (Sign MWP) 2) You need to inform the Insurance Company if there's 'significant change' in your lifestyle even after 4-5 years. Categorised under 6th Mistake
Question : Do I need a Term insurance if I have a Health insurance for every year ? Also kindly educate us about the erosion of 1 crore in next 40 years for a Term insurance during maturity ?
Yes you need term insurance as term insurance compensates ur income where as health insurance saves ur income......and we need to correct our sum assured time to time and have adequate coverage all time
my DOB is 24-Dec-1994. I tried to apply for TATA AIA Sampoorna Raksha term insurance plan of INR 1.25 crore with good riders e.g. Accidental disability, Critical Illness, Early payout for Terminal Illness, etc. However, it got postponed for 6 months due to my pre-existing disease Hypothyroid which I already declared in proposal form. Now other insurers e.g. MaX Axis Life Insurance, HDFC Life Insurance are also postponing/rejecting my applications for INR 1 crore vanilla ( without any riders) term plans. What should I do now? Shall I wait for 6 months and re-apply with same insurers in 2025 ? Will it be ever granted and my policy shall be issued? will my policy be easier to be issued if applied without any rider benefits ( vanilla term insurance )? Or Shall I move to other insurers that conduct no medical tests e.g. LIC Tech term insurance plan ? Please advise as I am very confused!
1. MISTAKE#1 **E- Insurance Account**: Share it with your family is very important. 2. MISTAKE#2 **Sign MWP:** Married Women's Property Act. 3. MISTAKE#3 **Ideal Cover?** Life Insurance Amount = Current Annual Expenses × (65- Current Age) × 20 divide total by 7. (based on expense) 4. MISTAKE#4 **Claim Settlement Ratio vs Amount Settlement Ratio:** 5. MISTAKE#5 **Relying on Group Insurance:** Take a separate Term Insurance. 6. MISTAKE#6 **Smoking to be Declared or Not?** 7. MISTAKE#7 **IO-I5 Year Accelerated Plan:** choose normal plan. 8. MISTAKE#8 **Relying blindly on Agents/ Choosing Wrong Product.**
Hi Mam, Maine term insurance lia hai and meri wife ka naam Hemlata hai and term insurance me Policy Bazaar agent ne during filling the form Nominee ke 1st Name & Last name Dono jagah Hemlata Hemlata Kia tha aur ab Policy Bond Pr Nominee Name pr Hemlata Hemlata aa rha hai. jb Maine pucha to vo bol rha hai ki Single name nominee ka naam dono jagah same ata hai Is this true or I will ask for Correction from Hemlata Hemlata to Hemlata Pls answer
Plz don't speak about a particular insurance company/ policy , for awareness just give the best tips to customer so that he or she will not do mistake while choosing right term plan.
Madam your calculation of annual expense is as per 3.6l annual requirement. For a person having more mandatory expenses considering daily expense, kids educations and others per month or annually, the total cover needed would go upto more than 6cr or more. Now the premium would be so much that you cant bear it. And moreover there are limits of how much max you can buy
Term insurance is not for low income citizens as during claim they will scrutinized and go for ledgers accounting and rejects claims..kindly clarify on this who can take term insurance on which income slabs thank you
Term insurance is not for low income citizens as during claim they will scrutinized and go for ledgers accounting and rejects claims..kindly clarify on this who can take term insurance on which income slabs thank you
Hello mam i m salaried person from up police and i want to buy a insurance plan Meri annual income 5 lac hai and mai chahta hu 20 se 25 sal bad mere pas ek achha amount ho to which plan is better for me jiski premium kam ho
Hello sir, muje lagta hai aapko life insurance se savings nahi karni chaiye. Life insurance agar apko kuch ho gaya to aapki family ko support karta hai.
Apply for Max Life Insurance here: bit.ly/46TBuGJ
Did you even checked the maximum cover allowed, salary is considered as a baseline for estimating that
Max to 50L hi de raha hai
Mujhe 1 Cr chaahie
@@bekifaayati Max life mis sell cancer policy 6 yrs
back,their sales executive forged the documents, n when I Took new life insurance policy I came to know about previous policy in the app, when I confront company regarding forgery,they told me we can't do anything,they have merged both policies in same client Id.,so i requested to demerge both policies bcz cancer policy was mis sell,they denied completely, Almost they harassed 1 month for the same,I have send more than 150 email to grievance team,but they didn't respond, so at last I cancelled my new policy too.
So yes it's all paid reviews to misguide customer like us.
Don't fall in their trap.
Sponsered😂
After giving good Gyan at time 4.06 u highlights claim settlement ratio only and not amount settlement
Paid promotion 😂😂
How Smartly She promoted Max life Insurance 😂
Bhai Ghar kyse chalega 😂samaj seva toh kar nehi rahi hai
@@sayanRoy-fx9iybhai hdfc better h ya max ?
I paid ₹33,000 (5lakhs) family (36, 30, 4, 3 ages) in 2022 for 2Y ICICI Lombard insurance, but now it's ₹54,000 (2024). They charge high premiums and hike them frequently, i never claimed. Consider switching to another insurer with fixed premium, Finally, ICICI Lombard worst ever health insurance for new to future//existing customers
You are confusing health insurance with term insurance, She is talking about term insurance,Health insurance is yearly renewable contract
The video is about life insurance
Don't get worry i'll help you to get better insurance !
Do contact to us
Aviva life Insurance ka lo aap
Plz tell the plan name which is u teken icici lombord health insurance.. For my info, awareness
Headline- 2 cr term insurance rejected,
amd that's not in the video,
it's a click bait,
madam news agency walo se sikh rhi h aisa scam krna
6:01 Agar policy lene ke 3 saal baad smoking ka update kare to 3 saal ka period wapas shuru hoga kya?
Please update ma'am..
Yes
No just inform company that you start smoking.. or if three years completed than you dont need to
Maximum Life insurance cover k liye IRDA ki guideline predefined hai..... As i remember 25 times of annual income for a salaried person. You miss that point while drafting your formula.
how does this make sense of business people and freelancers?
She did mention it but in other way. She made a formula which is almost the same
You are right but depends on age
term insurance in india compare to other countries are very expensive and manipulated during the claim. Its better to take term insurance from some other developed countries if possible as settlements are done without asking any questions if the documents are correctly presented.
Any country and insurance suggestion? And how secure is it?
Guide kariye ispe ..
Kaha se kharide
Accelerated plan would end in 15 yrs max where you can pay off that payment easily as you mentioned income will increase. Then you remain covered. While normal plan, you have to continue paying premium till you are alive even after retirement where you might not be that much working to spend a big chunk in paying your term insurance at that age
Do you really think, it will be a big chunk after 20 years or peanuts?
Also, consider the time value of money. Instead of paying extra early, invest it somewhere else and earn higher interest/returns
Exactly @@gauravganguly2787
Term insurance premiums will remain same once bought
Content is informative but please stop promoting or selling any specific life insurance,the statement 64 illness covered is soo misleading , ridiculous way to earn commission.
33year non smoker.. initially base premium 20732+gst 4539 after medical test non smoker and no alcohol only weight 97 calculated BMI additional premium 4481 for risk assessment totally 29752 i was paid..the point take home you have 2year of ITR file copy need or your are salary holder
Agar aap 3 sal jinda hai tou kuch declare na karey....3 sal baad kisi ka baap ni rok sakta....I am an area manager of insurance company
Sir pls thoda help krenge.. Mera case jara samjhiye aur pls guide kriye....
Mere jija ji ne 2020 me 1 cr ka icici pru ki policy li us time unko koi dikkat nhi thi... 2023 january me unko heart se related dikkat shuru hui aur May 2023 me heart ko surgery hui sten aur ballon dala gya .. Fir thik the lekin january 2024 me dikkat shuru hui aur 6 April ko attack aya aur off ho gye.. 2023 me jab treatment hua tha us samay ek health policy reject ho gyi thi ek jankar ne galat jankari de di hospital me ke inko migrain aur diabities pahle se hai jabki aisa nhi tha fir dusre policy se claim kia tha... Ab maine claim kia hai..aur 2023 ki sari jankari maine de di hai... Kya reject ho sakta hai...
Aur ek bajaj ka bhi hai 50 lac ka 2021 ka jisko 3 saal abhi nhi hua hai... Same case hai pls thoda guide kriye
Ha bilkul sahi as per sanction 25 insurance act after 3 yr policy continue hoti hai company ko claim dena hi padega
@@rajanishsingh7300bro claim reject hua ya pass hua
@@rajanishsingh7300ab nhi hoga kyuki apne jankari de di hai...
Your content is quite informative.. It would be good if you mention if this is backed by max life or not (nothing wrong no matter what).. It will help viewers to have perspective..
there is a '#ad' on the top right corner of the screen when she talks about it, I guess that should be enough to tell that its sponsored.
How do i check/verify claim amount settlement ratio of insurance company?
Can you pls share the link or any other details
Bhai irdai ki reports me milega
OSUM VIDEO. Everyone must watch before taking term insurance.
What about tele-medical?
Insurance companies nowadays relying on tele-medicals only? Are they good from a consumer point of view?
We will try to cover this in our future videos.
Insist the insurance people to get your medical test done and have the report in your insurance. It will definitely help.
I didn't understand how ULIP is aligned with anyone's financial goals. Won't a Term Plan + Recurring Deposit / Index Fund SIP be better than a ULIP scheme for any cover amount and investment returns? Please explain if possible.
Ideally yes, Term Plan + SIP would be better but not everyone has the discipline to do both simultaneously. For people who don’t have the discipline, ULIPs serve the purpose
AND FOR THAT PERSON WHO ARE ABOVE 50YRS OF AGE WHERE THEY CAN"T AFFORD PREMIUM OF TERM PLAN, THAT"S WHY ULIP IS THE CHOICE TO PROCEED
Arey ULIP un logo ko bhi cater krte hai Jo log term plan kharid hi na paye. Traditional endowment bhi unhi logo ke liye thk hai. Term plan ke liye ITR Dena padta hai, sabke pas ITR thodi hai. Sochie Zara
Hi, Can you please explain the rationale of the formula used ?
How to check that my policy is cover under mwp or not?
New subscriber here...love the way u explain..plz guide about buying term insurance from LIC
लिक में टर्म इंश्योरेंस मिला टू है पर क्लेम मिलना सबसे आसन, प्राइवेट कंपनी में टर्म इंश्योरेंस मिलना बहुत आसान है पर क्लेम मिलना बहुत कठिन
Sb sach btao claim milna bhi utna hi aasan he 1000-2000 bachane k liye log cheeje chupate h or last me usi ka fayeda uthati he company
My doubts about smoking got cleared.
But still there are lots of hidden terms and conditions which are to be checked.
Like if you die in road accident and you were not wearing a helmet than will you get the money?
Ideally if anything is Self Inflicted it won't be covered by Insurance. Not wearing a helmet while driving could be categorised as self - infliction (taking unnecessary extra risks)
I still prefer limited pay since the private sector jobs are not reliable and steady better to finish the premiums in 10 to 15 years
Can I add some riders in my existing term plan..?
Yes at the time of renewal
Thank you for the advice.
Welcome 😊🙌
Ma'am..please make a video on PLI(Postal Life Insurance)🙏 Is it a good as an investment option??
Sure, we will try to cover this in our future videos.
Yes bcz you have to pay less premium and u ll get higher bonus compared to other insurance policy but if u purchase insurance policy make sure to pay atleast for the next 3 year or else it will be treated as void and u ll lose whatever amount u paid earlier this is not only for PLI. But for all other life insurance policies
I am a LIC adviser,,,kya term insurance lic ka lete waqt insurer ki tobaco eating habit ho to batana jaruri he? Agent ki safety ke liye?smoking na karta ho to?
GREAT MAM,
I WOULD GIVE SUGGESTION ON THE LAST POINT THAT DON"T BUY INSURANCE FROM AN AGENT OR FINANCIAL ADVISOR OR INVESTMENT ADVISOR RATHER BUY IT FROM INSURANCE ADVISOR OR INSURANCE CONSULTANT, AS THEY GIVE YOU BETTER ADVICE WITH NECESSARY PRODUCT AND ARE WAY BETTER THAN THE ABOVE MENTIONED PERSON. AND LAST THEY DON"T WORK FOR ONLY COMISSION THEY WORK TO SECURE YOU AND YOUR FAMILY FROM UNCERTAIN PHASE. THANK YOU
MWP also makes sure cover goes to the wife and not parents. In case wife decides to abandon the parents.
What if:
I consider the 3.6 cr to be the net need of my family in case of a mishap.
My net mutual fund and stock acc has 1 cr in it today and keeps increasing.
Total term ins i hv - 2 cr
Fd - 80 lakhs
Total - 3.8 cr
What do you have to say?
I don't think I should take more term insurance since there is a problem of claim settlement often.
So guys, if you save 40k per month you can easily be independent in 5-7 years.
Suggested Insurance Companies has an excellent Claims Settlement Ratio. Usually your claims won't be rejected unless you're lied on your form.
term plan lete waqt drink nahi karta but bad me suru karta hai kuch saal bad deth hoti hai to drink ka couse bata kar Clem rejected hoga kya
Nahi nahi ab to jam ke pio bhai.
@@shubhamrai3767 kya jawab hai bhai lajabab ....
Agr lete waqt nhi krte or medical karaya he than milega
May be by chance one health investigation missed to inform in proposal form and that report was normal in past and after 3 yr complaining paying premium and in future after few yr , death occurred, will nominee will get claim amount???
What about Term Plan with Critical Illness cover? Can I claim full premium amount under 80D or just the amount paid extra for critical illness rider?
Only extra amount paid for critical illness cover is claied in 80D and basic premium for term comes under 80c
10 10(D)
Very informative video❤
Thank you 😊🙌
IRDA customer centric नहीं बल्कि Insurance Companies के लिए ही काम करता है, मैंने तो Insurance के बारे में सोचना ही छोड़ दिया है
IRDA CUSTOMER k liye work krta h bss aapki jakari theek ho
Max Life ne mera pagal bna rkha hai na hi policy issues kar rhe hai na hi reject kr rhe hai after ever week demand new document
I don't recommend max life jb policy buy krne me hi etna jhamela hai to claim k time dependent ko bhi chakkar katvayege ye log
in the formula of Life insurance amount, what is 20 ?
Hello
If we are smoking occasionally like gate to gether or marriages & drinking same way Then we can tick smoking/drinking options??or not i.e. waste of extra premium.
Even if you're smoking 1 stick a month, you should ideally inform Insurance Company while taking the policy. If you haven't smoked in the past 2 years at the time of taking the policy, you will be considered as a Non-Smoker
Mam what is the amount settlement ratio of Max term life insurance?
Thank You for your wonderful video with information.
I have one doubt
Which mode of policy purchase is best such as offline and online ?
If i purchase offline policy with my requirement then it is good?
Mam what to do ? Add on critical illness rider with term insurance or with health insurance?
For best result you can take it separately
बहुत बहुत अच्छा तरह से समझाया मेम
Insurance organisations have been created ( except LIC as they have rules to deal with the clients) for the enjoyment of their employees by cheating the clients. They deal with the clients for their interest in some cases violating IRDAI rules. That is why IRDAI has to revise the insurance rules occasionally.
Didi please make a video on claim process because most people are unaware of it
Sure
Hi mam section 45 a of term insurance ..every insurance agent say that claim can't be rejected on any basis after 3 years ..but is it really true....health insurance mei tou ye log 50k ka bill pass ni kartey
As always there are Terms and Conditions to this Section also - it is not unconditional acceptance
@@bekifaayati means pass ni karengey...tx
I buy max life term plan from policy Bazar and want to cancel but Policy bazar team is really not replying or helping for cancellation even after 30 days free look period, i m struggling. Kindly advice if someone can help.
After paying premium they are not helping if it is customer need. So disappointed 😢😢
Why are you cancel your term insurance plan?
NRI Person india me term insurance le sakte hai par kuch year bad hum india me relocate ho jaye to tab to hum NRI Nhi rahege to insurance continue rahega ya nhi
@bekifaayati - could you please answer the above question?
According to Business Today, NRI life insurance policies remain valid regardless of citizenship changes. This means that maturity and death benefits will continue, and premium payments will continue as usual.
Where is e-insurance procedure in description
Once you purchase insurance policy do not make changes in policy or add riders.
The 3-year rule in term insurance refers to a provision in the Indian insurance law, specifically under Section 45 of the Insurance Act, 1938, which states that after three years from the date of the policy's commencement, no insurance claim can be denied on any ground, including fraud or misrepresentation.
Please share this information with your family, nominee . . .
Term insurance kaha se lena chahiye, Policy bazar se ya fir unke website se
Mam maine maxlife ki term insurance buy ki h and KYA YE MWP sign krwate h policy mai
The video started with you mentioning that when you read the t&c of your term insurance plan to aapka dimag kharab ho gya. Care to share what you found and under which category of the mistake you mentioned it would have been covered?
Few examples
1) Money will be first settled with creditors in case of any loan obligations, then to Nominees. This would be categories under 2nd Mistake (Sign MWP)
2) You need to inform the Insurance Company if there's 'significant change' in your lifestyle even after 4-5 years. Categorised under 6th Mistake
Description me didi E-insurance account ke baare me dalna to bhul gai par max life ka link description or comments dono jagah daal rkha h
Make a video - Acko Health Insurance with others?
Agar me aaj term life insurance liya aur 1-2 year bad agar meri death hojati h koi reason se to kya
Hm claim krne ke liye eligible hoge ye nahi ???
What is ASR of Max life Term insurance ???????
I have completed 3 years... are there ani cases or worst situations that can reject after my death ?
Only 4 permanent exclusions..
😮Seriously
The decline of a medical claim must be made illegal and these insurance companies should be penalized for rejection of a claim.
Hindi may kaafi English mix ,,aur kafi speed may bat ki 100 percent samaj nahi aaya
PLEASE
Where is the e insurance details?
Mam Maine watch kar liya video , ye bataye paramilitary forces counter insurgency opration me nahi rahne ki sthiti me cover milta hai
Hanji you want to buy any plan ?
@@neerupal mam aap bataye paramilitary forces ko on duty kon si company cover deti hai , usi me apply karna hai
On duty koi cover nhi krti
Kitni atchi tarah se max life ko promote kr diya😂
Question : Do I need a Term insurance if I have a Health insurance for every year ?
Also kindly educate us about the erosion of 1 crore in next 40 years for a Term insurance during maturity ?
Yes you need term insurance as term insurance compensates ur income where as health insurance saves ur income......and we need to correct our sum assured time to time and have adequate coverage all time
my DOB is 24-Dec-1994. I tried to apply for TATA AIA Sampoorna Raksha term insurance plan of INR 1.25 crore with good riders e.g. Accidental disability, Critical Illness, Early payout for Terminal Illness, etc. However, it got postponed for 6 months due to my pre-existing disease Hypothyroid which I already declared in proposal form. Now other insurers e.g. MaX Axis Life Insurance, HDFC Life Insurance are also postponing/rejecting my applications for INR 1 crore vanilla ( without any riders) term plans. What should I do now? Shall I wait for 6 months and re-apply with same insurers in 2025 ? Will it be ever granted and my policy shall be issued? will my policy be easier to be issued if applied without any rider benefits ( vanilla term insurance )? Or Shall I move to other insurers that conduct no medical tests e.g. LIC Tech term insurance plan ? Please advise as I am very confused!
Aap ne to Ditto se liya tha na ?
1. MISTAKE#1 **E- Insurance Account**: Share it with your family is very important.
2. MISTAKE#2 **Sign MWP:** Married Women's Property Act.
3. MISTAKE#3 **Ideal Cover?** Life Insurance Amount = Current Annual Expenses × (65- Current Age) × 20 divide total by 7. (based on expense)
4. MISTAKE#4 **Claim Settlement Ratio vs Amount Settlement Ratio:**
5. MISTAKE#5 **Relying on Group Insurance:** Take a separate Term Insurance.
6. MISTAKE#6 **Smoking to be Declared or Not?**
7. MISTAKE#7 **IO-I5 Year Accelerated Plan:** choose normal plan.
8. MISTAKE#8 **Relying blindly on Agents/ Choosing Wrong Product.**
LIC ka policy no 0955 policy ke bare me detail video banate to achha lagta ❤
You should mention that this is the paid promotion for max life insurance
I was seriously listening untill an AD came …
What about Alcohol. ?????
Thank you😎
Welcome 😊🙌
The formula is wrong. If decrease the inflation rate, then requirement of term insurance amount should decrease. But yaha to ulta hi hi raha hai.. 😂
Hi Mam,
Maine term insurance lia hai and meri wife ka naam Hemlata hai and term insurance me Policy Bazaar agent ne during filling the form Nominee ke 1st Name & Last name Dono jagah Hemlata Hemlata Kia tha aur ab Policy Bond Pr Nominee Name pr Hemlata Hemlata aa rha hai.
jb Maine pucha to vo bol rha hai ki Single name nominee ka naam dono jagah same ata hai
Is this true or I will ask for Correction from Hemlata Hemlata to Hemlata
Pls answer
True
Relax guys this is paid video don't take it seriously.choose the trusted company rather than cheap plans
Kya 15000 ki salary me term insurance max life ka nhii kra sakte
I buy HDFC term insurance is it right or wrong
Online or offline
yess its wright
The best
Ma'am I have Term plan of rs 2500000 from Bandhan life insurance it is good choice please suggest..🙏
Maam, Tata AIA param rakshak 3 solution ke barey me apna review deijiye..
Already all of them 😊
I am confused, I am a smoker and my salary is too low. My age is 26. What should I do?
Bilkul
Stop smoking dude 😂
Tried many times, doesn't work. 😓😓
You will have to inform the Insurance Company while taking the policy
@@nightdreamer_vs1305 chota amount lo 50 lakh -75 lakh....15 sal bad koi ni puchega ....4 crore ka claim hoga tou roka jata hai
Suppose ,mera 1cr Term insurance chahiye ok,
1cr 2 insurance company's se bay karna kitna sehi hoga???
LIC se Buy karo
Great video
Thank you 😊🙌
how to check amount settlement ratio
Cheak irda website
Plz don't speak about a particular insurance company/ policy , for awareness just give the best tips to customer so that he or she will not do mistake while choosing right term plan.
Madam your calculation of annual expense is as per 3.6l annual requirement. For a person having more mandatory expenses considering daily expense, kids educations and others per month or annually, the total cover needed would go upto more than 6cr or more. Now the premium would be so much that you cant bear it. And moreover there are limits of how much max you can buy
Background music is very scary 😵💫
If I smoke 5 sticks in 2 months, then should I inform this at the time of taking insurance???
Yes you should for future inconvenience
Thanks for content ☺️☺️☺️
Welcome 😊🙌
i used to smoke occasionally max of 1 stick a day. should i declare as well?
Yess
its MAXLIFE INSURANCE VIDEO 😂
To campany phir income barrier q a lagati hai or bolti h ki aapko 1 cr ka term plan Nhi mil sakta bcz your income is low 😢
Kyu ki Insurance Company aapka Risk Underwriting aapki Income, Education ke basis pe karti hai..
Q@@bekifaayati
Do u have video in English
Why 20 and 7?
If i smoke 2-3 cigarettes per week .. should i consider myself as a smoker ??
No, like take an example if you work all day in delhi in open it's like consuming 10 cegreetes a day😂
Absolutely,,, even if you take 1 stick a weak,,, still you need to inform the insurance company
A term insurance applicant is categorized as a smoker if he/she has consumed tobacco in any form in the last 12 months.
Term insurance is not for low income citizens as during claim they will scrutinized and go for ledgers accounting and rejects claims..kindly clarify on this who can take term insurance on which income slabs thank you
Term insurance is not for low income citizens as during claim they will scrutinized and go for ledgers accounting and rejects claims..kindly clarify on this who can take term insurance on which income slabs thank you
Arey didi Claim Rejection kyu hue wo batao... Title kuch aur content kuch aur bata rahi ho.... Insurance kaise lena hai wo kyu bata rahi ho?
Travel insurance k liye koi video
Hello mam i m salaried person from up police and i want to buy a insurance plan
Meri annual income 5 lac hai and mai chahta hu 20 se 25 sal bad mere pas ek achha amount ho to which plan is better for me jiski premium kam ho
Hello sir, muje lagta hai aapko life insurance se savings nahi karni chaiye. Life insurance agar apko kuch ho gaya to aapki family ko support karta hai.
If you still want i can guide you with plans according your needs
थोडा आराम से ओर हिन्दी मे ज्यादा बोलिए तो लोगो को अच्छे से पता चले आज कल जहा देखो वाह इंग्लिश ही इंग्लिश हे ।इसलिये आराम से सम्जाइये
Thank you madam
Aap Max life ke employee hain kya ?
😂😂 lg ra h 😂😂
Sharda university ....zindabaad