Family Ke Liye Best Life Insurance Kaise Chunein? 5 Simple Tips”

Jab hum apne ghar ka monthly budget banate hain, toh sabse pehle hum kharche, EMI, school fees jaise zarurat ki cheezon ko priority dete hain. Lekin ek cheez jo hum bhool jaate hain — life insurance. Insurance lena sirf paisa bachana nahi, balki apne parivaar ke future ko secure karna hai. Lekin problem yeh hai ki market mein 100 se zyada insurance plans hain. Sab ke terms alag hain, benefits alag hain. Toh fir kaise decide karein ki kaunsa plan best hai? ✅ 1. Apni Zarurat Samjhein (Need Analysis) Sabse pehle yeh sochiye ki aapke upar kitne log depend karte hain? Parents? Wife aur bache? Kitna loan hai? Yeh sab calculate karke aapko pata chalega ki aapko kitne coverage ki zarurat hai — ₹25 lakh, ₹50 lakh ya ₹1 crore? ✅ 2. Term Plan Chunein – Simple aur Sasta Agar aap investment nahi chahte, sirf protection chahte hain, toh term insurance plan best hai. Kam premium High cover Long-term safety ✅ 3. Claim Settlement Ratio Check Karein Policy lene se pehle company ka claim settlement ratio zarur check karein. HDFC Life, Max Life, LIC — sabka ratio 98%+ hai Yeh number batata hai ki company kitne claims ko easily settle karti hai. ✅ 4. Riders Add Karna Na Bhoolein Aap extra protection ke liye critical illness, accidental death rider jod sakte hain. Thoda premium badhta hai, lekin benefit double ho jaata hai. ✅ 5. Policy Terms Dhyan Se Padhein Kabhi bhi agent ke kehne pe blind trust na karein. Har line padhein, samjhein: Maturity age kya hai? Premium kab tak bhara jaayega? Kya medical test compulsory hai? 🔚 Ant Mein Bas Itna Hi: Insurance lena ek formal kaam nahi, yeh ek emotion hai. Aaj aap jo decision lenge, kal ko wo aapke parivaar ki muskurahat ban sakta hai.

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