What is life insurance full explain .
Hello
friends aj mai aapke liye lekar aya hu “life
insurance kya hai ,life insurance ke fayde kya hai “ or kaise le life insurance so aj ke is topic
me mai aapko “insurance “ se related sabhi quition ka sawal denewala
hu.agar aap aapke familyse bahut pyar
karte hai or anewale dinome bhi aapki family khush rahe aapki family aapko baar
baar yaad kare ki mere papa ya mere bhai ne muje daed ho ne par bhi koi taklif
nahi di hamesha humko khush rakha .
So friends
agar aap chahte hai ki aapki family agar aap na rahe is duniya me or aapke
jaane par bhi aapki family vale happy rahe to aapko life insurance ke bareme
jaroor information leni chaiye .kyuki ye policy aapke future ke liye hai aapke
family ke future ke liye hai .so is tutorial me mai aj aapko “what is life insurance yanke life insurance
kya hai or ye insurance policy jo nokari kar raha hai unke liye kyu jaruri hai”.
So chaliye
dosto mai aapko bata deta hu ki life insurance kya hai or ye kyu jaroori hota
hai .
Life insurance kya hai or kyu jaroori hai .
Maan lijiye aapke family me koi paise kamane vala
human hai ya koi bhi family member hai jo money kamata hai or apne parivar ke
jarurato ko pura karta hai to aise person ke liye “life insurance “ jaruri
hota hai.
taki uske expire ke baad yaneke dead ho janepar jo bhi us person ne life insurance apply kiya tha uska paisa uske family valo ko mil sake. Is liye ye policy company vale hamko dete hai.yaneke lige insurance ye hota hai ki aapke family me koi kamane vala hai or use kuch ho jata hai to jo uski family ya jo person hai usko protect karne ka kaam insurance company karti hai. Ise kehte hai life insurance.
taki uske expire ke baad yaneke dead ho janepar jo bhi us person ne life insurance apply kiya tha uska paisa uske family valo ko mil sake. Is liye ye policy company vale hamko dete hai.yaneke lige insurance ye hota hai ki aapke family me koi kamane vala hai or use kuch ho jata hai to jo uski family ya jo person hai usko protect karne ka kaam insurance company karti hai. Ise kehte hai life insurance.
Kya
aap job karte hai or agar aapki pehli payment aa rahi to iska life insurance
kyu nikale.
Agar aap insurance lete hai to aapko 80c ke tahat tax me chhutt milti hai .
“ term life
ek shudd “insurance protection” hota
hai .so aapko life insurance se hi policy ki suruvat karni chaiye because agar
aap earning member ho gaye ho family ke to besically aapke upar depende log ho
gaye hai ,jaise hi aapke upar dependecy bad jati hai aapke family ki ya biwi
bacche ya koi releshionship so agar aapki earning ho rahi hai or aap par koi
dependecy hai to tabhi aapko life insurance leni chaiye .
Or janualy
is “life insurance “ ko log 25 se 26 saal ke umar me le sakte hai .or term life
insurance
se hi suruwat karni chaiye because ye pure protection plan hai .
kyuki aap saving ke liye jada nahi sochoge kyuki aapki earning limited hai to ek minimum invesment karte huve aapkoek protection chaiye jo aapko kafi accha protectin dede . aap 5 se 10 hajar laga kar lakho karodo aapke family ke liye chod ja sakte hai .so aapko tabhi ye insuranse lena hoat hai jab aapki earning jada ho or aapki family aap is insurance me protect rahe.so sabse pehle terms paln kyu le kya fayde hai term plan ke chaliye dekhte hai..
kyuki aap saving ke liye jada nahi sochoge kyuki aapki earning limited hai to ek minimum invesment karte huve aapkoek protection chaiye jo aapko kafi accha protectin dede . aap 5 se 10 hajar laga kar lakho karodo aapke family ke liye chod ja sakte hai .so aapko tabhi ye insuranse lena hoat hai jab aapki earning jada ho or aapki family aap is insurance me protect rahe.so sabse pehle terms paln kyu le kya fayde hai term plan ke chaliye dekhte hai..
Term
plan se kaise suruwat kare,term plan ke kya fayde hai.
So friends
agar aap dizital india banane me hamare sath hai to aap is site ko share jaroor
kare. So pehle kya hota tha ki jo agent the yaneke agent market tha or vo agent
vahi product ko push karte the jiska jada munafa ho . to invesment plan me kya
hota ki ek to premium jada hota hai 40 se 50 hajar rupye invest karte ho tabhi
aapko 5 lack ya 10 lack ka insurance milta hai .
so agents ko usme jada munafa hota tha to to vo agent term plan jada nahi bech te the but ab online aaneke wajah se yaneke online term plan aaneki wajah se log jada attractive ho rahe hai .
kyuki unko 10 crore ka term plan 10 hajar ke term plan se mil jada hai . isliye ye kafi accha samay shot hai to isliye last me sarkar ne 5 se 10 saal me company ne term paln pe jada focus kiya hai sari componies online term plan lekar aa rahi hai isliye chipest to offline term plansvo isliye kyuki ab agent revan market nahi raha online term plan market pure pure consumr hai isliye aap kam primium me jada samas short le sakte hai .isliye abhi jada tar term plan ka hi use ho raha hai log term plan me hi interrest le rahe hai .isliye vo term paln lena chate hai.
so agents ko usme jada munafa hota tha to to vo agent term plan jada nahi bech te the but ab online aaneke wajah se yaneke online term plan aaneki wajah se log jada attractive ho rahe hai .
kyuki unko 10 crore ka term plan 10 hajar ke term plan se mil jada hai . isliye ye kafi accha samay shot hai to isliye last me sarkar ne 5 se 10 saal me company ne term paln pe jada focus kiya hai sari componies online term plan lekar aa rahi hai isliye chipest to offline term plansvo isliye kyuki ab agent revan market nahi raha online term plan market pure pure consumr hai isliye aap kam primium me jada samas short le sakte hai .isliye abhi jada tar term plan ka hi use ho raha hai log term plan me hi interrest le rahe hai .isliye vo term paln lena chate hai.
Term plan lene par kitana fayda hota hai .
Logo me aise
afvaye bhi faila di gayi hai ki term paln kuch nahi deta jaise ki agar tern
plan vale person ki maut ho jati hai to
hi ye plan milta hai verna ye paln nahi milta hai so is fact ke karna hi log sochte hai ki mai
kyu invest karujab meri death ho jayegi
tabhi ye plan milega nahi to nahi milega but vo ye nahi dekh pate hai ki aapko
itane kam invest ment me itana bada plan mil raha hai ,so in dono ka perpose
bahut alag hai investment paln aapko ek postfolio investment karme gather karta
hai .varius term plan sirf protect karta hai .
Maan lijiye
aapke pass insurance me investment lagane ke liye 1 lack
rupye hai to aap par year 10 hajar
rupye term plan par lagaye or baki ke 90
hajar rupye aap invesment plan me laga sakte hai .kyuki aapko ye ek portfolio
banae me help karta hai .
Term
plan ko lenese pehle kin bato ka dyan rakhna jaruri hai .
Sabse important
baat ye hai ki aap sabse pehle ye desclose kare ki for exaple aap
ek smoker hai or aap desclose me primium bachane ke chakkar me aap ye bata dete
hai ki aap non smoker hai to aapko claim me dekkat ati hai .
to aapko har cheej ko declear karna hai sabhi chijo ko research kare paln ko compare kare kyuki har chij ke apne unio benfits hote hai ,company ka apna plan benefit futures hote hai to aapko us future ko compare karna kafi jaruri hai or companies ke primiures bhi alag hote hai to aapko same 1 crore ka paln ho sakta hai kisi company ka 8 hajar hota hai kisi company ka 10 hajar hota hai to aap compare karke jo bhi aapko sahi lage usi hisab se plan le .
to aapko har cheej ko declear karna hai sabhi chijo ko research kare paln ko compare kare kyuki har chij ke apne unio benfits hote hai ,company ka apna plan benefit futures hote hai to aapko us future ko compare karna kafi jaruri hai or companies ke primiures bhi alag hote hai to aapko same 1 crore ka paln ho sakta hai kisi company ka 8 hajar hota hai kisi company ka 10 hajar hota hai to aap compare karke jo bhi aapko sahi lage usi hisab se plan le .
Aap kabatk term plan ke liye apply kar sakte
hai .
Jaise maan
lijiye aap 60 saal ke ho gaye hai firbhi aapko term paln milega kyuki koi bhi
compani ka term hai ki aap 85 year tak term plan le sakte hai .maan lijiye koi
person agar 60 saal ka hai or vo chata hai ki mai 25 saal ka term paln loo to
vo le sakta hai magr iska premium bahut kam rahega agar koi 30 se 50 ke bich me
enter karta hai to primium me jo jada invesment hoga usko jada pay karna
padega.
“Life
insurance ke kya fayde hai,kitane types ke hote hai life insurance “.
So agar
hum broad categories me device kare to ekto pure life insurance hogi jo
ki term plan hai or dusra investment lint hota hai jo ki andoment plan ho
gaye . aap sirf protection ke liye nahi
daal rahe hai plan but aap ek portfolio belt karne ke liye dal rahe hai plan .
isake andar “child plans hai,like ullets
plan shai,pention plans hai to is tarah se life insurance “ ye sab plans hai
.jada jankari ke liye aap hamare site par comment kar sakte hai .
I hope dosto
aapko “life insurance ,term plans,child
plans ,pention plans ke bareme “ jada jankari prapt ho gayi hogi so aap is
tarah se bahut se “loans,car loans, auto insurance in sabhi ki jankari aapko
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