Term insurance: term.lla.in Get Best Life, Health and Vehicle Insurance: link.lla.in/policy 💸DEMAT Account: link.lla.in/Demat 👕Buy Jagruk Janta T-shirt: link.lla.in/merch
Hey, I was planning to purchase term plan for few months but just got delayed. Now, I am COVID positive, how to approach the team now for term plan? Any idea?
Hii, I was a smoker for almost 8 years. From last 1+ year I've totally quit smoking and never do it again. Can I take a Term insurance declaring that I'm a non smoker? What will be your advice in this? Thanks Surajit Das.
@@LabourLawAdvisor hello sir ....I am facing problem in purchasing lic tech term plan online.....While I entered my details there is one column to select the city ..But there is no option of my city ....Even we can not type in that particular column.....There is no column for pincode also ....While I entered nearby city it shows it dose not match...!! What is the solution for this....I tried to contact head office but didn't get any response from them...pls guide
Sundar - That's the main problem of our education system. They are not preparing students for real life scenarios but just some old bookish knowledge which might or might not be relevant in today's age.
Labour Law Advisors should start counseling over phone/app/website in affordable fees. People like me who has zero knowledge about tax, investment etc etc...could clear all doubts. [Mera jitna vi knowledge hua...aur jitna jagrook bana...wo sirf is channel k madad se....Rishav & Mandeep sir & your all team love you a lot]
Bro, I am blaming myself for not subscribing your channel any earlier. In recent times, I've watched some of your videos and trust me you are doing a job which is beyond any recognition. In a digital age, where every company, every agent finds loop holes to thug consumers, you are educating all of us. This is certainly changing millions of lives. People watching your videos will educate their family and friends and can take more correct decisions. I truly appreciate your efforts Hats off to you and your team. By the way, don't mind people abusing and giving negative comments on your videos. They are worthless and as as you said might be agents looking to fill their pockets. Anyways can;t blame them they got to feed theirs. But please ignore them and keep up the excellent work. God, why didn't I find your channel earlier!!!!!!!
Superb man , Superb way of explanation. Even if people are highly educated but they are not from the accounting fields - there is a chance that they will also opt for wrong option when choosing Policy because they are not having knowledge in that specific field even after being highly educated, for those king of people you are like a blessing who can easily understand that what truth you are exposing behind those rider plans and etc etc. Thanks a lot for wonderful explanation and looking forward to see more suggestions from you for investment plans as well just like this term plan explanation.
@@srinivascnp Their Claim process is impeccable. They do the pre issuance medicals at doorsteps only. Policies get issued very quick. Just my personal experience.
Sir ..Indirectly you are helping & securing future of our beloved family when we will be no more by educating us to choose right thing right now for them.Its sad but universal reality . Please accept blessing & respect on behalf of them .God bless you.Keep inspiring & educating .
This is my 2nd video on your channel. This is the most responsible video ever I have seen by a TH-camr. As I see TH-camrs create general information videos and never come back for answering questions and clarifying doubts (I know they are not liable to). But you did it and this video is even bigger than the other video. Awesome! This also shows how much depth you have covered on this topic and creates a reliable bran/channel. Great work bro. Keep doing the same. Will support you.
One more Important point that we should consider while opting for Regular pay : If a person X dies after 10 years of getting term insurance with Regular pay, total premium paid will be 3 times less than he would have paid in limited pay option. This is the one more benifit of Regular pay.
Boss you are doing a very big service to us . Its as equal as a national service. Indian's never get this knowledge in schools/colleges no one talks about these things. I want to see this channel with 10M+ Subs in a year❤️❤️
Impressive video...I couldn't agree more on the facts shared on insurance and how people generally skip the basic time value of money while selecting a term insurance plan...
Thanks Mandeep. You are doing a great job. I’m a working professional and this distilled information to make informed choices brings a lot of power to consumers. Keep up the good work. 👍🏻
Thank you Mandeep..... You did great work.... I have few doubt..... 1. Can I go two different company for 2 term plan together and can nominee claim for both.?....What the scenario... Please describe broadly. 2. Should I take Riders along with term plan or not? Which riders are good and which delayed the claim process.? 3. Can I take rider from other company and only take term plan from other company.?
Rarely do I find people who like to dig deep and scratch out every detail, so I always have to resort to researching everything myself. Not like that with you mate! Thank you so much for such detailed knowledge.
I really agree with you it's very important to have a term plan for every individual. You are doing great work for society and very much straight forward and clear. Thanks for doing it for society
i think i saved a lot of money watching your video. A big thanks to you for making this. That's a normal human tendency to choose limited term premium option since nobody wants to keep the burden of Premium for very long but the alternative that you gave for that really blew my mind! I feel lucky to watch this video before purchasing the plan. Thanks a lot once again, You are doing a great job!
Very well and beautifully explained especially the concept of limited pay and return of premium. You are doing yeoman service to the people. Keep up the good work. Pl inform which term plan of lic is best Tech term plan or Jeevan Amar plan no 855. Awaiting your Frank reply
Good analysis. Absolutely agree with all ur points & realised how I too had this belief but later got deviated by limited pay thing. But now m well back on right track 😀. But I still feel that if I had some lump sump amount (which usually isn't in the case of most policy buyers) I would buy a single pay coverage considering uncertainty of short terms. Like many people lost their jobs & business during the pandemic. And they couldn't pay for their insurance premiums. So with the scenario of this 'if' a consumer had that money, single pay option may/can be peace of mind. Also with the economic crises already on my head due to which I couldn't pay the premium & my policy is lapsed, so after demise of the customer due to Covid they don't have any insurance. Also now in short term return on my investments may not be ample or sufficient for my dependents. Hope it's not confusing for u either. 🙏
Hi, Before watching your video in have done some research and found the same thing that you told about limited pay and amount retrun.. but you explained it with so easy it made more clear. I have done the same thing study for hdfc sanchay plan...its also complete waste of money better to do RD, FD for same amount.
Thanks Mandeep !! Awesome Video covering all my doubts regarding Term insurance and thanks for helping by guiding us on how to think logically and rationally from different perspective while getting into any insurance plan or any other investments. 😉 A big Thank You !! And Hope the channel makes it to 10M+ Soon.
Policy Lelo...bhul jao...Paisa kamao...Kam Karo...invest Karo ....our nahi Maro to bhi family ko dekhna hai so khud ek crore dekho ....what a line brother... भाई साहाब ❤️❤️😍😍👌🏻👌🏻👌🏻👌🏻👌🏻
Great video Mandeep . Clarifies a few things and thank you for the LIC Tech plan. I have couple of questions however. 1. I had started off my Term plan as soon as I started working (approx age 21-22). So I am paying very little for the cover amount. Now over the years salary has grown and hence I want to improve the insurance cover to maintain approx ratio of 15x annual income. Would you suggest surrendering this and buying a New plan for entire amount, buy another for the difference or top it up? I could not see any top up option with my insurance provider. Is there any such alternative or what would you suggest in this case? My only concern about surrendering is the current amount itself has a premium increase of 50% original. Assuming same trend another 10 yrs down the line I do not wish to surrender and take another hit of premium increase. 2. In relation to above, what is your opinion on the new smart plans where coverage increases with time? This helps keeping an option of reaching 4-8x of original coverage without surrendering. 3. Couple of the clients I was advising were hugely in favor of lumpsum pay. The argument I have heard for lumpsum pay is your policy is only liable to pay you the covered amount * (no. of installments paid/total installments). I couldn't see it mentioned outright anywhere be it on few policy documents I read or on the portal, but Is there any truth to this (possibly only in select policies)?
Hi John... M also facing the same situation as highlighted under point no. 1 of your comments..... Can you please advise what action did you take?? You stopped the old policy and take a new one altogether OR yoh found a top-up policy or took a policy with differential amount
Labour Law Advisor Team --- Literally pyar ho gaya aap logo se. Itni quality wala content, itni easy language me... Seriously, revolution laa sakte ho aap log. These are the words from my heart. Keep it up. :)
Awesome Video Mandeep! ** In your NEXT VIDEO on Endowment Plan, Could you also include process to Surrender an existing Endowment plan and refund amount calculation process. Thanks in Advance! Keep up the JAGRUKTA ABHIYAN!
Brother, I agree with the Idea of investing in SIP simultaneously to cover the premium cost and earn more return than what the company returns, but to be frank this is just generating the motivation to invest. I am 24 and have taken Bajaj Allianz term plan, with a 10 year pay, payment to be done annually, which is way cheaper than monthly premium payments. Might as well save the difference on monthly premiums and invest that in SIP/RD/ stocks! This way you will have to shell less money for SIP investments and will be able to be on cash as well. Instead, you could've focused on the decision making progress to buy the plan. Even if the amount is 40k per annum, it is still better to pay than to remain anxious and worried about dependents during these uncertain times. Cheers! Good video, btw.
I had to learn all this the hard way myself. But I'm really glad to see someone is putting all this out there for others to know. 99% people don't really understand what they're being sold Amazing work
I thought exactly same when I went for Per Annum for till maturity. I also thought 1 additional point, 1.If someone dies at 12 years, your rest of the premium will be saved
Sir ek questions agr maine kisi company se koi insurance liya jaise max life , Bajaj ya tata AIA se or ye company hi dub gya jaise रिलायंस डूबा आप तो शेयर भी डायवर्सीफाई कराते हो । क्योंकि की किसी भी कंपनी की 100 % गारंटी नही हैं । इसे में जिस कम्पनी से इंश्योरेंस लिया हो वो कंपनी ही डूब जाए तो क्लेम का पैसा कौन देगा ?
Seriously Mandeep it was a great informative and helpful video. Keep it up. I have a query, I have got term plan of 2.5cr from HDFC life but they didn't do any medical neither physical nor tele medicine. Any suggestions what should I do?
Please cross check all your proposal forms and attachments with branch systems. I heard few cases like this. Actually they could have submitted duplicate medical report with your proposal to pass the case smoothly and fetch the business and comission.
If your annual income is supposed 5 Lacs then you take take term insurance of 5*25 = 1.25Cr.. You can choose how to take this ( 1Cr from HDFC and 25Lacs from ICICI like this )
Your way of explanation is superb, I am fan of ur truth explanation, by the way, I am commenting in middle of video, I will resume after it. So, please keep posting the truth and actual things as you do always.
23:50 - if having healthy medical records help then at the time of buying policy people might get some healthy person tested in their name and keep those records to pretend that they were absolutely healthy at the time of buying policy. I think it will be valid only when company gets u tested in the beginning.
I do not share your videos but share your TH-cam Channel to everyone I know. Such an amazing work done to educate people. Thanks to you and your team. I have learned quite a lot and I am sharing the same to anyone who ask me. Kudos to your efforts. By the way I was in the same dilemma whether to take Limited Pay or Regular Pay. Went with Regular Pay and investing the rest in Mutual Funds.
Hi Mandeep! Brilliant video as usual :). I needed clarity on something. My wife and I, both avail NPS, with me being her nominee and she being mine. Now, NPS has this rule that in case of death of person availing pension, the nominee would be entitled to withdraw accumulated amount. I wanted to know what this accumulated amount means? Does this mean the principle that has been paid so far? Or does it mean, the wealth that the principle has created. If it means the later, then doesn't NPS itself become a "better version" of life insurance plan (better because (a) there is a payout on death, and, (b) even if there is no death, then the amount paid towards NPS would get exempted from Income tax under Section 80CCD upto a limit of 50K, thus allowing the assessee to use the entire limit of 1.5L under 80C in powerful investment instruments such as ELSS (12,500 per month - SIP) and generate additional revenue). Please pardon the weird (and outrageous) nature of this question! Thanks! :)
Nice and elaborative video sir.. I too had fallen in the trap of closing premium payment for my term and planned to close it in 10 payments. However later started investing the monthly premium in Stocks since i pay premium yearly . Have now been able to pay my 3rd premium free thanks to the profits earned and already have corpus for next years premium.. I appreciate you assisting people like us from falling into such traps and become more financially literate.. Keep up the good work ..!!
@Labour Law Advisor - Thank you very much for this video. Saved lot. Also do suggest the full body checkup options. From where we can opt for this, how much charges it normally takes ?
I cant tell you how beneficial this video was in helping me decide whether I should go for limited pay or not. You are doing a fantabulous job in helping commoners understand facts!! Keep going, keep growing!!
Aapki mehnat, time is video mein dikh rahi hai. Thanks to great info. 1 query: If any one gets Hospitalized due to accident/illness and the hospital bill is approved to be settled via Mediclaim (health insurance via a company Abc), but the patient dies either within hospital or post hospital, then, will the Term plan via Company B can be claimed or approved?
People don't realise the importance of term plan. They want returns even to safeguard themselves. It's like asking family doctor, security guard to pay you back bcz you have paid him money frequently if event happens. I completely agree that vanilla term plan is real term plan "baki to Bhel hai". Compare and buy online, make accurate declaration, disclose everything transparently, pay regular premiums and transfer same amount in SIP. Majja ni life👍
@@LabourLawAdvisor jisne pehle se hi endowment plan ya whole life plan le rakkha ho...unhe kya karna chahiye...iska v reply jarur kijiyega video me pls
More doubt clear by your video. Policy bazaar an agent company. Kya hme term insurance m isse extra amount pay krna padega. Ya fir company ki official website se purchase krna chahiye.
Hey! That was very useful. I still have a question though. I am confused if I should take the option to pay the premium till 60 years of my age (limited pay) or 75 years of age (term plan period)?
Pay till the term period na. Why do you want to pay extra premium? I am sure pay till 60 option will have higher premium. And just a friendly question, why take term insurance till the age of 75? Take it till 65, mostly, all the responsibilities would be covered till 65.
Hello Bro. Thank you for very well explained video. I have one question about term insurance plan. Companies BMI ke hisab se premium increase kar deti hai at the time of purchasing policy. Do you think it is necessary to provide correct weight height details? Is there any clause that only a amount of weight can vary from the weight disclosed during tele medical?
Very very excellent.. Thank you so much bro. Mere mu ki baat chinli yaar bahot ache tarike se samjaya apne. Me kisiko itne ache se samja nahi saka.me bhi mere Colleagues ko samajate hue thak gaya lekin wo sab is insurance companies k trap ko samj hi nahi sakte..
Hi, could you please suggest..? I have taken a Term Plan from ICICI two years back for 85yrs of age (currently I am 28 yrs old), with limited pay upto 60 yrs. Should I close that policy and take a new one without limited pay?
भाई में तो नौकरी छोड़ कर धंधे पे आ गया। जीवन बीमा भाई बेचता हूं। पर में आप के साथ १०० प्रतिशत सहमत हूं कि उलीप और एंडोमेंट प्लान बकवास होता है। मुझे भी स्टॉक मार्केट और मुट्यूल फंड ज़्यादा पसंद है। आपको धन्यवाद क्यों कि मुझे भी कुछ चीज़े नहीं पता थी। इन विडियो से अच्छा मदद हो जाता है।🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏
Thnx bhaiya for this video, halanki mai iss video ko ek saal baad dekh rha hu....kyuki mujhe mila hee abhi hai 😅😅 but seriously sirji, the information given in this video is just awesome.......bahut sare confusions/doubts dur ho gaye.......now I'm feeling "jaagruuk"......again thanks for this video ☺️☺️
1. Can I increase my Life Cover after some years of paying my Premium? Say, I got married and now I want to increase my cover. 2. Also, after I get married, can I add my spouse in my dependents along with my parents (which were initially declared dependents).
Brother the limited pay catch is something people don't consider and you covered every point and confirmed that the decision I took 2 years before was right. My salary was 30-45K and I was like if I pay everything in insurance I won't have anything left to invest in other things like PPF, NPS, Mutal Funds, Share Market, FD, RD. And all these investment options want you to invest as early as possible even in small amounts rather than the late investment of huge amounts(compounding :D). 1000 rupees that day was too less and like 20 years after would be nothing. In between, I can even drop the policy if I am sure. I also didn't take it for 100 years. Don't know if that was right or wrong.
Don't drop idea of term policy, this is the way how insurance companies earn huge profit becoz of discontinuation. Out of 100people 3 people die of accident or lifestyle death. Rule says, human value is more and insurance is matter of solicitation. Ghar gaadi loan sab insurance karaate, aur khudka value he nahi😂 100yrs policy me premium Kam hota. Maut aayi to ek crore family ko mil jaata, ya loan chukta ho jaata
Bhai limited say is a use ful hack if you use V it properly Risk of discontinuation in 40 y monthly instalment is high that pay yearly once for ten years and be assured for rest of life this is useful in uncertain events like suddenly you got injured. Then you're monthly income paused for few months and policy got discontinued
Bhaiji life me aise Kitna matter ayenge ki apko kuch late pata chalegi... iska mtlb yh to nei ki old ko drop karo. Insurance ka bht vital point hota hai wo hai waiting period where is Life insurance or health insurance.... agr early death hoti hai to claim me bht documention yha queries hoti hai. App aj drop krke other company se loge or socho next month or year koi mishandling hoti hai to famly ko jhelna Kitna padega, or 2ndly apki premium 2 yrs plahle jo thi kya aj new policy me same premium hogi? Every yr Rs 1000 vi badti hai to socho jitnedinki premium hogi utna extra dena padega na... yr itha calculation ke chakkrme bebakufi na hojaye knhi. So cool down make money other way. Thank u, take care, jai hind.
Absolute right, always buy a regular premium term plan. Keep insurance and investment separate, don't mix them, for the explanation told in this video.
Hello sir, This is Anup 24 Year old, my net income is around 25k so should I go for 1cr term insurance plan? bcz as you said in your video at 19:32 that our term cover shouldn't exceed 25X of our income whereas in my case it is only 25K*12= 3L*25times = 75Lac. Should i wait till my salary inc or buy now only?
Hi Mandeep, Love seeing your educational videos. This has regards to Limited Pay - I am insured for about 20 crore and my insurance payout in the next 10 years is about 3.5 Crore. So I feel its better to opt for limited pay as I now, have a premium paying capacity and want to finish this liability within 10 years to secure the family since bad times may fall anytime and I may not be able to pay the premium later. So, yes, it depends on situation to situation. Please air your views if you have any on the above. Warm Redards, Vikas
Sir your case is special. Your premiums are massive!! In such a scenario, it's best to clear it off quickly, especially if you believe that you may not be earning as large an income in 20-30yrs time.
You are Too Good Veere..👌👍🙋🏻♂️ Awesome..👌👍 Dil khush ho gya video dekh ke.👌👍 Ek request hai Aapse.🙏 Mujhe MF/SIP Start Krna hai 1000 Rs/Per month se , mere liye kaunsa best rahega. Plz Guid me🙏 Aur mujhe ye bhi samjhna hai ki Kya wakai MF/SIP me lagbhag 12%+ ke Returns, Per annum mil hi jate hain.??🤔 Agar ye bat sahi hai to , mujh jaise Chhote investers ke liye Kaunsa plan Best rahega jisme Lagbhag 12 se 15 % Per annum ke returns to mil hi Jaye.❤️🙏 Kindly Reply Personally ya is topic par bhi hum sabhi ke liye Ek video banaiye. Aur Sabhi MF/SIP details me samjhaiye. Aur Plz ye bhi bataiye ki ek middle class vyakti ko agar investment start Krna ho to kisme invest Krna chahiye.🙏
Dear, I feel You’re against limited pay. But I will tell you the advantage. If you take 5ppt limited pay, after 2 successful premium paid for your term if you discontinue, policies will not lapse like regular premiums. You will be eligible for 40% of your coverage. In 10 ppt after 3 year you will be eligible for 30% of coverage. In regular pay if customers miss the payment, after 30days grace period company will ask for fresh medical. If customer get any medical issues by that time, company have all the rights to reject the policy or rate up the premium(increase premium) Your tell the customer to invest in MF SIP and Your taking 12% 😳interest per year which is not guaranteed. By the way LIC Tec Term is very costly compared to some well known brands Term. I saw your old video, where you mentioned endowments are worth less 😄. For your information some endowment policy are offering better than bank FD or G sec bonds with TAX Free Benefits for long term. My sincere advice is, each product are different with different objects (needs). Don’t be judgmental 😊
@@Ashishpowar199 ICICI G.I.F.T, TATA AIA G.R.I.P and HDFC Sanchay Plus. This are all well known Brand Endowment Plans where you get batter returns than bank FD.
Watched today . Very much informative . I could have save money if watched earlier . Bought limited term insurance with money back last FY and this FY .
I am watching many term insurance information video but your youtube video very sensible and knowledgeable 👌👌 Great work hats of you buddy 👍👍 God bless you
Hello LLA team, Bahoot hi detailed video. I have not expected it ✌️ thank you so much . Btw abt GST wala point ...ab to khub criticism zelna hoga. Central govt. Ko point out Kiya means -- modi ji ko point out Kiya means Hindu ko point out Kiya.😂 ( Just small advice try to avoid it 😅) Anyway you guys are osm. #morepowertoyou 🤘 Thanks a lot Sirji...!!!
bhai jorrdaarrr... ekdum faddduuu video banaya bhai... me tera video pehli baar dekha but tera fan ban gaya bhai ........... awesome video bhai and many thanks .. mujhe bohot help hui video dekh k,, bohot sikha and specially LIC tech term plan.
Kisne kaha i started my insurance work after watching LLA videos kasam khakr rakha hun kisi ko ulta pulta insurance nhi bechunga so we agents also watch his videos
![⬛ [Secrets Revealed] How to find the BEST Health Insurance Policy? ft @BWealthy](http://i.ytimg.com/vi/l3Acc3D8OH4/mqdefault.jpg)
Term insurance: term.lla.in
Get Best Life, Health and Vehicle Insurance: link.lla.in/policy
💸DEMAT Account: link.lla.in/Demat
👕Buy Jagruk Janta T-shirt: link.lla.in/merch
Hey, I was planning to purchase term plan for few months but just got delayed. Now, I am COVID positive, how to approach the team now for term plan? Any idea?
It'll be very difficult, try getting one.
If you get to know more about it, please let me know as well at esipfadvisor@gmail.com
Sir bhut khoob
Bus ab ek chiz aur bta dijiye
Ye 12% par invest khaan krein?
Hii, I was a smoker for almost 8 years. From last 1+ year I've totally quit smoking and never do it again.
Can I take a Term insurance declaring that I'm a non smoker? What will be your advice in this?
Thanks
Surajit Das.
@@LabourLawAdvisor LIC ka policy ka link kaha hai.
You're doing a great service to the working middle class people like us. Thank yo so much brother.
Koi great work nai ha etna gehrai main jata hai k confuse karta ha... LIC ki policy ko piche kYu rakhta ha jabki LIC har ek cheez main aage ha
@@manishgautamvlogs1447 aap agent lg rhe ho LIC k
@@AshishSharma-lt5vx yes u r right ..
Indeed 👍👍
@@manishgautamvlogs1447 Lic best
Why don't they teach about financial well being in school/college. Lot of ppl sadly don't figure these out till their careers are over
Unfortunately
Very true Sundar... i cant stop myself commeting on your awesome comment.
@@LabourLawAdvisor hello sir ....I am facing problem in purchasing lic tech term plan online.....While I entered my details there is one column to select the city ..But there is no option of my city ....Even we can not type in that particular column.....There is no column for pincode also ....While I entered nearby city it shows it dose not match...!! What is the solution for this....I tried to contact head office but didn't get any response from them...pls guide
Sundar - That's the main problem of our education system. They are not preparing students for real life scenarios but just some old bookish knowledge which might or might not be relevant in today's age.
@@LabourLawAdvisor yes unfortunately friends. I tried to buy term insurance today online and found lic,hdfc,tata offer premium more or less similar
Labour Law Advisors should start counseling over phone/app/website in affordable fees.
People like me who has zero knowledge about tax, investment etc etc...could clear all doubts.
[Mera jitna vi knowledge hua...aur jitna jagrook bana...wo sirf is channel k madad se....Rishav & Mandeep sir & your all team love you a lot]
Abousulty right no doubt sir
I DONT HV MUCH KNOWLEDGE , NO ONE TELL ALL OF THESE THINGS, THANKS FOR SUCH IMPORTANT LESSONS
Bro, I am blaming myself for not subscribing your channel any earlier. In recent times, I've watched some of your videos and trust me you are doing a job which is beyond any recognition. In a digital age, where every company, every agent finds loop holes to thug consumers, you are educating all of us. This is certainly changing millions of lives. People watching your videos will educate their family and friends and can take more correct decisions. I truly appreciate your efforts Hats off to you and your team.
By the way, don't mind people abusing and giving negative comments on your videos. They are worthless and as as you said might be agents looking to fill their pockets. Anyways can;t blame them they got to feed theirs. But please ignore them and keep up the excellent work.
God, why didn't I find your channel earlier!!!!!!!
Bro this is new age of selling insurance products via affiliate links which you can see in his description box
You have just earned a new subscriber. Don't know why TH-cam recommend it but thanks a lot for this wonderful video. 🙏🙏
Ditto
Sometimes I just blown away by TH-cam algorithm. They hide this gem from me.
And of course you gained new subscriber ❤️😍
+1
Superb man , Superb way of explanation. Even if people are highly educated but they are not from the accounting fields - there is a chance that they will also opt for wrong option when choosing Policy because they are not having knowledge in that specific field even after being highly educated, for those king of people you are like a blessing who can easily understand that what truth you are exposing behind those rider plans and etc etc. Thanks a lot for wonderful explanation and looking forward to see more suggestions from you for investment plans as well just like this term plan explanation.
Boss your information is valuable, properly structured. I've watched today your video first time and I felt worth watching. Thanks
Mind blowing mandeep. I was also so confused for why in 10 years i am getting benefits but from this video what company has done
Hi, please tell me your view on Edelwise Term Inssurance.
@@petlovers2700 go for icici pru blindly. Speaking from a personal experience.
@@rakeshgupta795 thanks for suggestion but I have already term plan of Edelwise.
@@rakeshgupta795 any reason Rakesh
@@srinivascnp Their Claim process is impeccable. They do the pre issuance medicals at doorsteps only. Policies get issued very quick. Just my personal experience.
"Farak aapko toh padhega hi nahi kyunki aap toh ja chuke hai" XD
Best line XD
I have term plan of five pay,post which should I start smoking post that will I still need to pay extra premium?
Sir ..Indirectly you are helping & securing future of our beloved family when we will be no more by educating us to choose right thing right now for them.Its sad but universal reality . Please accept blessing & respect on behalf of them .God bless you.Keep inspiring & educating .
This is my 2nd video on your channel.
This is the most responsible video ever I have seen by a TH-camr. As I see TH-camrs create general information videos and never come back for answering questions and clarifying doubts (I know they are not liable to). But you did it and this video is even bigger than the other video. Awesome!
This also shows how much depth you have covered on this topic and creates a reliable bran/channel.
Great work bro. Keep doing the same. Will support you.
One more Important point that we should consider while opting for Regular pay : If a person X dies after 10 years of getting term insurance with Regular pay, total premium paid will be 3 times less than he would have paid in limited pay option. This is the one more benifit of Regular pay.
आपके वीडियो ने मुझे अन्त तक बांधे रखा, बहुत सार्थक जानकारी देने के लिये धन्यवाद
Boss you are doing a very big service to us . Its as equal as a national service. Indian's never get this knowledge in schools/colleges no one talks about these things. I want to see this channel with 10M+ Subs in a year❤️❤️
With your support, we'll get there ❤️
Impressive video...I couldn't agree more on the facts shared on insurance and how people generally skip the basic time value of money while selecting a term insurance plan...
Thanks Mandeep. You are doing a great job. I’m a working professional and this distilled information to make informed choices brings a lot of power to consumers. Keep up the good work. 👍🏻
भाई साहिब जिन लोगों रिटन ऑफ प्रीमियम और 10 साल का टर्म ले रखा है वो क्या करें ?
Thank you Mandeep..... You did great work....
I have few doubt.....
1. Can I go two different company for 2 term plan together and can nominee claim for both.?....What the scenario... Please describe broadly.
2. Should I take Riders along with term plan or not? Which riders are good and which delayed the claim process.?
3. Can I take rider from other company and only take term plan from other company.?
Really the way u made us understand the concept of limited pay was an eye opener
Salute u sir 🙏
Hope u keep posting such videos
Solid knowledge boss.. You opened my eyes🙏❤️
Rarely do I find people who like to dig deep and scratch out every detail, so I always have to resort to researching everything myself. Not like that with you mate! Thank you so much for such detailed knowledge.
I really agree with you it's very important to have a term plan for every individual. You are doing great work for society and very much straight forward and clear.
Thanks for doing it for society
Seriously you saved my money, I was also in favour of limited loss pay.
Thank you sir.
Too good man, I really appreciate your efforts to make this video, regarding term plans and their queries 🤟🏽
i think i saved a lot of money watching your video. A big thanks to you for making this. That's a normal human tendency to choose limited term premium option since nobody wants to keep the burden of Premium for very long but the alternative that you gave for that really blew my mind! I feel lucky to watch this video before purchasing the plan. Thanks a lot once again, You are doing a great job!
Choose limited pay
Don't be stupid
Very well and beautifully explained especially the concept of limited pay and return of premium. You are doing yeoman service to the people. Keep up the good work. Pl inform which term plan of lic is best Tech term plan or Jeevan Amar plan no 855. Awaiting your Frank reply
Good analysis.
Absolutely agree with all ur points & realised how I too had this belief but later got deviated by limited pay thing. But now m well back on right track 😀.
But I still feel that if I had some lump sump amount (which usually isn't in the case of most policy buyers) I would buy a single pay coverage considering uncertainty of short terms. Like many people lost their jobs & business during the pandemic. And they couldn't pay for their insurance premiums. So with the scenario of this 'if' a consumer had that money, single pay option may/can be peace of mind. Also with the economic crises already on my head due to which I couldn't pay the premium & my policy is lapsed, so after demise of the customer due to Covid they don't have any insurance. Also now in short term return on my investments may not be ample or sufficient for my dependents.
Hope it's not confusing for u either. 🙏
one small request u is that please use numbers in English lang ..rest u r doing absolutely perfect
Hi,
Before watching your video in have done some research and found the same thing that you told about limited pay and amount retrun.. but you explained it with so easy it made more clear.
I have done the same thing study for hdfc sanchay plan...its also complete waste of money better to do RD, FD for same amount.
Offline policy me commission is notvpaid by customers from their pocket, but its a mutual agreement between LIC and agent.
Thanks Mandeep !!
Awesome Video covering all my doubts regarding Term insurance and thanks for helping by guiding us on how to think logically and rationally from different perspective while getting into any insurance plan or any other investments. 😉
A big Thank You !! And Hope the channel makes it to 10M+ Soon.
I had selected a limited pay option to save money. But your analysis helped that I was wrong. Thanks bhaiyya. Bappa blessed you.
Me too..
In terms insurance why company asked ,are you belonging political back ground.
To all LLA team, you are spending a lot of time to educate us. I am really thankful to you all.🙏🙏🙏
Policy Lelo...bhul jao...Paisa kamao...Kam Karo...invest Karo ....our nahi Maro to bhi family ko dekhna hai so khud ek crore dekho ....what a line brother... भाई साहाब ❤️❤️😍😍👌🏻👌🏻👌🏻👌🏻👌🏻
Great video Mandeep . Clarifies a few things and thank you for the LIC Tech plan.
I have couple of questions however.
1. I had started off my Term plan as soon as I started working (approx age 21-22). So I am paying very little for the cover amount. Now over the years salary has grown and hence I want to improve the insurance cover to maintain approx ratio of 15x annual income. Would you suggest surrendering this and buying a New plan for entire amount, buy another for the difference or top it up? I could not see any top up option with my insurance provider. Is there any such alternative or what would you suggest in this case? My only concern about surrendering is the current amount itself has a premium increase of 50% original. Assuming same trend another 10 yrs down the line I do not wish to surrender and take another hit of premium increase.
2. In relation to above, what is your opinion on the new smart plans where coverage increases with time? This helps keeping an option of reaching 4-8x of original coverage without surrendering.
3. Couple of the clients I was advising were hugely in favor of lumpsum pay. The argument I have heard for lumpsum pay is your policy is only liable to pay you the covered amount * (no. of installments paid/total installments). I couldn't see it mentioned outright anywhere be it on few policy documents I read or on the portal, but Is there any truth to this (possibly only in select policies)?
Hi John... M also facing the same situation as highlighted under point no. 1 of your comments..... Can you please advise what action did you take??
You stopped the old policy and take a new one altogether OR yoh found a top-up policy or took a policy with differential amount
Mr John,
Do not surrender your policy as you will be at loss. Continue with the plan and buy more Twrm plan or endowment plan.
@@yashgokani buy more insurance of higher some assured. Never surrender yr old policy.
Labour Law Advisor Team --- Literally pyar ho gaya aap logo se. Itni quality wala content, itni easy language me... Seriously, revolution laa sakte ho aap log. These are the words from my heart. Keep it up. :)
Awesome info Bro. Thanks for helping me to select in which plan I should invest. Loved u previous video of term insurance. Ur long TERM subscriber
Thanks bro
And good one haha
Excellent information 👌. May God bless you with all your wishes come true 👍...your video is big help to public.
Reading rich dad poor dad along with your video , Now i can learn why people suffer financially in life
Awesome Video Mandeep! ** In your NEXT VIDEO on Endowment Plan, Could you also include process to Surrender an existing Endowment plan and refund amount calculation process.
Thanks in Advance! Keep up the JAGRUKTA ABHIYAN!
i wanted to ask same question. make a video on this plz.
Bhai ye banda bahot mehnat karta he🙆❤️
Brother, I agree with the Idea of investing in SIP simultaneously to cover the premium cost and earn more return than what the company returns, but to be frank this is just generating the motivation to invest. I am 24 and have taken Bajaj Allianz term plan, with a 10 year pay, payment to be done annually, which is way cheaper than monthly premium payments. Might as well save the difference on monthly premiums and invest that in SIP/RD/ stocks! This way you will have to shell less money for SIP investments and will be able to be on cash as well. Instead, you could've focused on the decision making progress to buy the plan. Even if the amount is 40k per annum, it is still better to pay than to remain anxious and worried about dependents during these uncertain times. Cheers! Good video, btw.
You going to be a great one-day buddy, in the finance field. You talk with Bearbicep waha pe aur public ko pata chalega!
I had to learn all this the hard way myself. But I'm really glad to see someone is putting all this out there for others to know. 99% people don't really understand what they're being sold
Amazing work
I thought exactly same when I went for Per Annum for till maturity. I also thought 1 additional point,
1.If someone dies at 12 years, your rest of the premium will be saved
Sir ek questions agr maine kisi company se koi insurance liya jaise max life , Bajaj ya tata AIA se or ye company hi dub gya jaise रिलायंस डूबा आप तो शेयर भी डायवर्सीफाई कराते हो । क्योंकि की किसी भी कंपनी की 100 % गारंटी नही हैं । इसे में जिस कम्पनी से इंश्योरेंस लिया हो वो कंपनी ही डूब जाए तो क्लेम का पैसा कौन देगा ?
IRDIA
Seriously Mandeep it was a great informative and helpful video. Keep it up.
I have a query, I have got term plan of 2.5cr from HDFC life but they didn't do any medical neither physical nor tele medicine. Any suggestions what should I do?
You can go and get the medical done yourself and just make sure you're healthy just like you declared. And just keep that record with you
@@LabourLawAdvisor thanks team
Please cross check all your proposal forms and attachments with branch systems. I heard few cases like this. Actually they could have submitted duplicate medical report with your proposal to pass the case smoothly and fetch the business and comission.
Would love if u do part 2 also of this Q&A, since many questions still remain unanswered! ❤️ Thanks for clearing many doubts! 🙏
Bro can you please explain 19.35min concept in detail? Life insurance/Term Insurance amount should be less than 25 times of your income.
If your annual income is supposed 5 Lacs then you take take term insurance of 5*25 = 1.25Cr.. You can choose how to take this ( 1Cr from HDFC and 25Lacs from ICICI like this )
@@nikhilpatil5615 thank you 🙏
@@nikhilpatil5615 can I take term insurance from multiple companies?
@@himansusekharsahoo6487 yes but the whole sum total should be less that your income × 25
Your way of explanation is superb, I am fan of ur truth explanation, by the way, I am commenting in middle of video, I will resume after it. So, please keep posting the truth and actual things as you do always.
23:50 - if having healthy medical records help then at the time of buying policy people might get some healthy person tested in their name and keep those records to pretend that they were absolutely healthy at the time of buying policy.
I think it will be valid only when company gets u tested in the beginning.
I do not share your videos but share your TH-cam Channel to everyone I know. Such an amazing work done to educate people. Thanks to you and your team. I have learned quite a lot and I am sharing the same to anyone who ask me. Kudos to your efforts. By the way I was in the same dilemma whether to take Limited Pay or Regular Pay. Went with Regular Pay and investing the rest in Mutual Funds.
Thanks a lot ❤️🔥
Hi Mandeep! Brilliant video as usual :).
I needed clarity on something. My wife and I, both avail NPS, with me being her nominee and she being mine. Now, NPS has this rule that in case of death of person availing pension, the nominee would be entitled to withdraw accumulated amount. I wanted to know what this accumulated amount means? Does this mean the principle that has been paid so far? Or does it mean, the wealth that the principle has created. If it means the later, then doesn't NPS itself become a "better version" of life insurance plan (better because (a) there is a payout on death, and, (b) even if there is no death, then the amount paid towards NPS would get exempted from Income tax under Section 80CCD upto a limit of 50K, thus allowing the assessee to use the entire limit of 1.5L under 80C in powerful investment instruments such as ELSS (12,500 per month - SIP) and generate additional revenue).
Please pardon the weird (and outrageous) nature of this question! Thanks! :)
All life insurance schemes are a big scam. These schemes make agents and companies rich but not customers
Nice and elaborative video sir.. I too had fallen in the trap of closing premium payment for my term and planned to close it in 10 payments. However later started investing the monthly premium in Stocks since i pay premium yearly . Have now been able to pay my 3rd premium free thanks to the profits earned and already have corpus for next years premium.. I appreciate you assisting people like us from falling into such traps and become more financially literate.. Keep up the good work ..!!
Pls explain more. We are thinking for tem insurance
@Labour Law Advisor - Thank you very much for this video. Saved lot. Also do suggest the full body checkup options. From where we can opt for this, how much charges it normally takes ?
Appreciate Your Effort :)
Loving It
What a mind blowing information. Take love. Re watching this after one year.
So clearly explained the pros and cons of terms plan
I cant tell you how beneficial this video was in helping me decide whether I should go for limited pay or not.
You are doing a fantabulous job in helping commoners understand facts!!
Keep going, keep growing!!
Aapki mehnat, time is video mein dikh rahi hai. Thanks to great info.
1 query: If any one gets Hospitalized due to accident/illness and the hospital bill is approved to be settled via Mediclaim (health insurance via a company Abc), but the patient dies either within hospital or post hospital, then, will the Term plan via Company B can be claimed or approved?
People don't realise the importance of term plan. They want returns even to safeguard themselves. It's like asking family doctor, security guard to pay you back bcz you have paid him money frequently if event happens. I completely agree that vanilla term plan is real term plan "baki to Bhel hai". Compare and buy online, make accurate declaration, disclose everything transparently, pay regular premiums and transfer same amount in SIP. Majja ni life👍
Sir, waiting for video on ulip n endowment because people (young) thinks if they survive for long then term insurance is a waste of money.
Jald hi
Yes same question here
@@LabourLawAdvisor jisne pehle se hi endowment plan ya whole life plan le rakkha ho...unhe kya karna chahiye...iska v reply jarur kijiyega video me pls
Sir please make video about LIC insurance benefits/loss for existing users
More doubt clear by your video.
Policy bazaar an agent company. Kya hme term insurance m isse extra amount pay krna padega.
Ya fir company ki official website se purchase krna chahiye.
Hey! That was very useful.
I still have a question though. I am confused if I should take the option to pay the premium till 60 years of my age (limited pay) or 75 years of age (term plan period)?
Pay till the term period na. Why do you want to pay extra premium? I am sure pay till 60 option will have higher premium.
And just a friendly question, why take term insurance till the age of 75? Take it till 65, mostly, all the responsibilities would be covered till 65.
Paying till max tenure is good because 1. you would be paying less, and 2. The amount will matter very less in the long term due to the inflation.
Hello Bro. Thank you for very well explained video. I have one question about term insurance plan. Companies BMI ke hisab se premium increase kar deti hai at the time of purchasing policy. Do you think it is necessary to provide correct weight height details? Is there any clause that only a amount of weight can vary from the weight disclosed during tele medical?
Aapne Sare Points bhutt achhe se Explain kiye, Thanks🙏
Very very excellent.. Thank you so much bro. Mere mu ki baat chinli yaar bahot ache tarike se samjaya apne. Me kisiko itne ache se samja nahi saka.me bhi mere Colleagues ko samajate hue thak gaya lekin wo sab is insurance companies k trap ko samj hi nahi sakte..
Hi, could you please suggest..?
I have taken a Term Plan from ICICI two years back for 85yrs of age (currently I am 28 yrs old), with limited pay upto 60 yrs.
Should I close that policy and take a new one without limited pay?
Dnt close bro.. its good...
Tremendously helpful man! Thanks for making an honest attempt at explaining all this. Also, sab ko khush nhi kar sakte aap to koi load na lo :)
Sbko Khush rakhna hai toh Ice cream bechna padega
भाई में तो नौकरी छोड़ कर धंधे पे आ गया। जीवन बीमा भाई बेचता हूं। पर में आप के साथ १०० प्रतिशत सहमत हूं कि उलीप और एंडोमेंट प्लान बकवास होता है। मुझे भी स्टॉक मार्केट और मुट्यूल फंड ज़्यादा पसंद है। आपको धन्यवाद क्यों कि मुझे भी कुछ चीज़े नहीं पता थी। इन विडियो से अच्छा मदद हो जाता है।🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏
Thnx bhaiya for this video, halanki mai iss video ko ek saal baad dekh rha hu....kyuki mujhe mila hee abhi hai 😅😅 but seriously sirji, the information given in this video is just awesome.......bahut sare confusions/doubts dur ho gaye.......now I'm feeling "jaagruuk"......again thanks for this video ☺️☺️
just wanted to say you're doing a great job, keep it up
I’m 23 and this has every explanation and reasoning I was looking for in a video! Thank you
1. Can I increase my Life Cover after some years of paying my Premium? Say, I got married and now I want to increase my cover.
2. Also, after I get married, can I add my spouse in my dependents along with my parents (which were initially declared dependents).
1. Yes, If your current plan have this feature.
2. You can add multiple nominee along with share.
I have been using TH-cam since more than a decade. This is one of the best videos, may be I can place it in top 3.
Thanks LLA
Brother the limited pay catch is something people don't consider and you covered every point and confirmed that the decision I took 2 years before was right. My salary was 30-45K and I was like if I pay everything in insurance I won't have anything left to invest in other things like PPF, NPS, Mutal Funds, Share Market, FD, RD. And all these investment options want you to invest as early as possible even in small amounts rather than the late investment of huge amounts(compounding :D). 1000 rupees that day was too less and like 20 years after would be nothing. In between, I can even drop the policy if I am sure. I also didn't take it for 100 years. Don't know if that was right or wrong.
Don't drop idea of term policy, this is the way how insurance companies earn huge profit becoz of discontinuation.
Out of 100people 3 people die of accident or lifestyle death. Rule says, human value is more and insurance is matter of solicitation. Ghar gaadi loan sab insurance karaate, aur khudka value he nahi😂
100yrs policy me premium Kam hota. Maut aayi to ek crore family ko mil jaata, ya loan chukta ho jaata
Bhai limited say is a use ful hack if you use V it properly Risk of discontinuation in 40 y monthly instalment is high that pay yearly once for ten years and be assured for rest of life this is useful in uncertain events like suddenly you got injured. Then you're monthly income paused for few months and policy got discontinued
Bhaiji life me aise Kitna matter ayenge ki apko kuch late pata chalegi... iska mtlb yh to nei ki old ko drop karo. Insurance ka bht vital point hota hai wo hai waiting period where is Life insurance or health insurance.... agr early death hoti hai to claim me bht documention yha queries hoti hai. App aj drop krke other company se loge or socho next month or year koi mishandling hoti hai to famly ko jhelna Kitna padega, or 2ndly apki premium 2 yrs plahle jo thi kya aj new policy me same premium hogi? Every yr Rs 1000 vi badti hai to socho jitnedinki premium hogi utna extra dena padega na... yr itha calculation ke chakkrme bebakufi na hojaye knhi. So cool down make money other way. Thank u, take care, jai hind.
Thank you for sharing this information
Absolute right, always buy a regular premium term plan. Keep insurance and investment separate, don't mix them, for the explanation told in this video.
Hello sir, This is Anup 24 Year old, my net income is around 25k so should I go for 1cr term insurance plan? bcz as you said in your video at 19:32 that our term cover shouldn't exceed 25X of our income whereas in my case it is only 25K*12= 3L*25times = 75Lac. Should i wait till my salary inc or buy now only?
the younger you are the less premium you pay.
Have you got reply for your question bro ?
Hi Mandeep,
Love seeing your educational videos.
This has regards to Limited Pay - I am insured for about 20 crore and my insurance payout in the next 10 years is about 3.5 Crore. So I feel its better to opt for limited pay as I now, have a premium paying capacity and want to finish this liability within 10 years to secure the family since bad times may fall anytime and I may not be able to pay the premium later. So, yes, it depends on situation to situation.
Please air your views if you have any on the above.
Warm Redards,
Vikas
Damn. It's good
Sir your case is special. Your premiums are massive!!
In such a scenario, it's best to clear it off quickly, especially if you believe that you may not be earning as large an income in 20-30yrs time.
You are Too Good Veere..👌👍🙋🏻♂️
Awesome..👌👍
Dil khush ho gya video dekh ke.👌👍
Ek request hai Aapse.🙏
Mujhe MF/SIP Start Krna hai 1000 Rs/Per month se , mere liye kaunsa best rahega. Plz Guid me🙏
Aur mujhe ye bhi samjhna hai ki Kya wakai MF/SIP me lagbhag 12%+ ke Returns, Per annum mil hi jate hain.??🤔
Agar ye bat sahi hai to , mujh jaise Chhote investers ke liye Kaunsa plan Best rahega jisme Lagbhag 12 se 15 % Per annum ke returns to mil hi Jaye.❤️🙏
Kindly Reply Personally ya is topic par bhi hum sabhi ke liye Ek video banaiye.
Aur Sabhi MF/SIP details me samjhaiye. Aur Plz ye bhi bataiye ki ek middle class vyakti ko agar investment start Krna ho to kisme invest Krna chahiye.🙏
You have covered all the topics so properly brother.well done.
Dear,
I feel You’re against limited pay. But I will tell you the advantage. If you take 5ppt limited pay, after 2 successful premium paid for your term if you discontinue, policies will not lapse like regular premiums. You will be eligible for 40% of your coverage. In 10 ppt after 3 year you will be eligible for 30% of coverage.
In regular pay if customers miss the payment, after 30days grace period company will ask for fresh medical. If customer get any medical issues by that time, company have all the rights to reject the policy or rate up the premium(increase premium)
Your tell the customer to invest in MF SIP and Your taking 12% 😳interest per year which is not guaranteed.
By the way LIC Tec Term is very costly compared to some well known brands Term.
I saw your old video, where you mentioned endowments are worth less 😄. For your information some endowment policy are offering better than bank FD or G sec bonds with TAX Free Benefits for long term.
My sincere advice is, each product are different with different objects (needs). Don’t be judgmental 😊
Pls. share the names and links of the endowments policies you are mentioning.
@@Ashishpowar199 ICICI G.I.F.T, TATA AIA G.R.I.P and HDFC Sanchay Plus. This are all well known Brand Endowment Plans where you get batter returns than bank FD.
Best vedio i have even seen recent days
Watched today . Very much informative . I could have save money if watched earlier . Bought limited term insurance with money back last FY and this FY .
I think dislikes are made by agents😂😂
I am from icici prudential Life insurance n watching this video 😜😜
Please don't kill me
@@LabourLawAdvisor haha not at all I appreciate your work 🙌🙌
Is Tata AiA term insurance is good? Please suggest me
Yes
I am watching many term insurance information video but your youtube video very sensible and knowledgeable 👌👌
Great work hats of you buddy 👍👍
God bless you
Hello LLA team,
Bahoot hi detailed video.
I have not expected it ✌️ thank you so much .
Btw abt GST wala point ...ab to khub criticism zelna hoga.
Central govt. Ko point out Kiya means -- modi ji ko point out Kiya means Hindu ko point out Kiya.😂
( Just small advice try to avoid it 😅)
Anyway you guys are osm.
#morepowertoyou 🤘
Thanks a lot Sirji...!!!
Brother! I don't know how much impact this comment will do on you but seriously you touched my heart. Keep Growing
B R I L L I A N T ‼️
Thanks a lot man.
You saved a lot of my time.
I am going for LIC Tech Term plan 854.
bhai jorrdaarrr... ekdum faddduuu video banaya bhai... me tera video pehli baar dekha but tera fan ban gaya bhai ........... awesome video bhai and many thanks .. mujhe bohot help hui video dekh k,, bohot sikha and specially LIC tech term plan.
Dislike by policy agent
Kisne kaha i started my insurance work after watching LLA videos kasam khakr rakha hun kisi ko ulta pulta insurance nhi bechunga so we agents also watch his videos
ULIP is sheer waste of money true
10 years mein sirf total 35% return mila mujhe.... itna toh mujhe saving account mein mil jaata..
One of your great videos Mandeep.. Absolutely brilliantly you have countered kthose who criticized you