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.
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..

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.

 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 .
 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 yahase mil jayegi. Plaese share my website ,like page,and subscribe thi site .

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