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...

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 sett...