Term Insurance Kya Hai Aur Kyun Zaruri Hai?
Term insurance sabse sasti aur seedhi life insurance hai. Ek chhoti premium mein badi suraksha milti hai. Yahan samjhaate hain kya hai, kise chahiye, aur kitna lena chahiye.
Main 31 saalon se yahi samjhaata aa raha hun: term insurance life insurance ka sabse saaf aur seedha roop hai. Koi investment nahin, koi maturity paise nahin, bas yeh vaada ki agar aap nahin rahe to aapka pariwar theek rahega. Aur yahi vaada sabse zyada matter karta hai.
Term insurance kaise kaam karta hai: aap ek chhoti annual premium dete hain. Agar policy ki avdhi ke dauran aapka nidhan ho jaata hai, to aapke nominee ko bada lump sum milta hai, jise sum assured kehte hain. Koi medical tests phir se nahin, koi baat-chit nahin, seedha paisaa. LIC ki claim settlement ratio 98.5% hai, matlab 100 mein se 98-99 claims settle hoti hain. Agar aap policy avdhi poori karke zinda bache, to premium waapas nahin milta. Yahi karan hai ki term plan itna sasta hota hai.
Kise chahiye term insurance: har us insaan ko jiske upar koi depend karta hai. Agar aapke maa-baap, patni, bacche ya koi bhi aapki income par nirbhar hain, to term plan zaroori hai. Ek safai kar dun: agar aap akele ho, koi dependant nahin hai, to term plan utna zaroori nahin. Lekin jyon hi family banti hai, pehla kaam term plan lena chahiye.
Kitna cover lena chahiye: mera rule simple hai. Apni annual income ka 10 baar. Agar aap ₹6 lakh per year kamate hain, to ₹60 lakh ka cover lena chahiye. Agar ₹12 lakh kamate hain, to ₹1.2 crore. Yeh amount family ko 10 saal bina income ke jeene deta hai, loan chukaa sakti hai aur bacchon ki padhai fund kar sakti hai.
LIC ke pass do main term plans hain. LIC Jeevan Amar (Plan 855) offline plan hai jo agent ke through milta hai. LIC Tech Term (Plan 854) online-only plan hai jo LIC website se seedha khariddo. Tech Term mein agent commission nahin hota isliye yahi plan 20-30% sasta padta hai same cover ke liye. Main khud yeh plan recommend karta hun is liye ki main aapko sahi advice dene ke liye hun, sabse zyada kamane ke liye nahin.
30-saal ke non-smoker purush ke liye ₹1 crore cover, 30 saal ki avdhi mein Tech Term ka annual premium approximately ₹8,500 se ₹10,000 hota hai. Roz ka ₹25-28 rupees. Teen cup chai ki kimat mein aapke pariwar ki poori suraksha.
Apne liye sahi plan jaanne ke liye hamaara insurance quiz lein. 2 minute mein aapki age, income aur family ke hisaab se recommendation milegi.
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Ajay Kumar Poddar
Ajay Kumar Poddar is a veteran financial advisor with over 31 years of experience, a premier MDRT member, and a recipient of the LIC Chairman's Club award. He helps Gorakhpur families secure their future with absolute transparency and trust.
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