InsureGyaan – Smart Insurance Tips

Term Insurance Kya Hota Hai? Term insurance ek aisa plan hota hai jisme: Aap ek fixed amount ka premium monthly ya yearly bharte hain Agar aapki death policy duration ke dauraan ho jaati hai, toh aapke nominee (family member) ko full insurance cover milta hai — bina kisi dikkat ke Agar policy period ke baad aap zinda hain, toh koi maturity benefit nahi milta (isliye isse "pure insurance" kaha jaata hai) Kya Ye Sabke Liye Sahi Hai? Agar aap: 25 se 40 saal ke beech hain Family ke liye sole earner hain Apni monthly income ka 5–10% insurance mein laga sakte hain Toh term insurance plan lena ek smart decision hai. Yeh un logon ke liye best hai jo: Kam premium mein high coverage chahte hain Apne family ko long-term financial protection dena chahte hain Policy ke saath kisi investment ya return ki expectation nahi rakhte ✅ Term Plan Lete Waqt In Baaton Ka Dhyan Rakhein: Company ki Claim Settlement Ratio dekhein (90%+ ho toh best) Policy duration kam se kam 60 saa...

Main aksar sochta hoon, agar main ek din achanak chala gaya… toh? Maa kya karegi? Biwi kis se bolegi? Bacche ka school kaise chalega? Khaali yaadon se ghar nahi chalta. Zindagi ka ek sach yeh bhi hai — paisa hona chahiye. Isiliye maine term insurance liya. Na koi investment ka drama, Na returns ka jhanjhat. Seedha simple — agar main gaya, toh ₹1 crore meri family ko mile. Bas ₹600–₹800 mahine ki chhoti si zimmedari aur itna bada sahara. Kahi likha tha, “Jo apno ke baare mein sochta hai, woh insurance zaroor leta hai.” Aur main bhi wahi karta hoon — Sochta hoon. Samajhta hoon. Aur chhoti chhoti cheezon se apna ghar bada banata hoon.

₹500 Mein Ek Crore Ka Sahara – Insurance Ki Asli Kahani Bachpan mein jab papa kisi “agent uncle” ke saath baithke kuch papers sign karte the, main sochta tha — "ye log kya kar rahe hain?" Bada hone ke baad samjha ki insurance sirf ek kagaz nahi hota. Wo ek soch hoti hai — apne parivaar ke liye. Aaj ka zamana fast hai. EMI, petrol, school fees — sab kuch mehenga hai. Agar kal ko main na rahun, toh kya mere maa-baap ya meri biwi sab kuch sambhal paayenge? Yahi sawal har ek aadmi ko ek baar apne dil se poochhna chahiye. Insurance lene ka matlab ye nahi ki hum negative soch rahe hain. Balki iska matlab hai ki hum zimmedar soch rahe hain. ₹500 ya ₹1,000 mahine mein agar aap ek badi musibat ke waqt apne ghar walon ka sahara ban sakte ho, toh mujhe lagta hai ye best decision hai. Koi policy perfect nahi hoti, lekin agar niyat sahi hai, aur aap samajh ke le rahe ho, toh wo policy aapke liye perfect hai.