All you need to know about Term Insurance | CA Rachana Ranade

[@CARachanaRanade]

✔ Invest in Knowledge: link.rachanaranade.com/CourseStore

[@sandeepjhn]

One time entering number in policy bazar site.. they will disturb you life time by calls and SMS

[@devanshu_daga]

Same Here :(

[@chaiwalat7057]

They are the one who care about you most...

[@rahdk]

Not only by them, They share your data to N number of insurance company and started getting call from those companies as well.

[@abhishekagrawal9950]

Bro..so true..i am fed-up with their calls..their executive says that if you dont want to buy any plans, dont visit the app.. i mean wtf..if you have given us a portal to see and check policies, then how can your executives give this kind of answer..i am thinking of mailing top management regarding this..

[@ananthmakam5051]

Same here they are calling me again and again. I am a financial advisor even after saying this they are still calling me. I just gave my details to see what is there in that site.

[@prejithalex4837]

To whoever is reading this, never ever ever buy ULIPS , no matter what rosy picture the relationship manager paints, they will aggressively sell it but don't buy it

[@kjkpradeep]

That has been changed now ulip is low commission product normal life policy have more commission . Now most of agent sell normal policy only .

[@ramangupta9336]

Plz make video on health insurance company--"Star health insurance" . I am having doubt on this company. It was doing scam with customers please check 🙏🙏🙏🙏🙏🙏

[@ajaysinghdhama]

That's what I'm trying to make my colleagues understand, but they still fall in this trap. ULIPs are neither a good insurance policy nor a good investment options. Say no to ULIPs or endowment policies.

[@saviolicious5]

@Ranjith consider it an expensive life lesson

[@cheongwee614]

,,,,

[@debendranandi4138]

Term insurance is very essential... The current generation should give the highest priority to this before anythingelse... Stacks and trading come much later... Thanks, RR ma'am for this video. 🙏 🙏 🙏

[@Anonymous_it_is]

What is stacks??

[@ankitaneja]

Labour law advisor - This channel has done amazing analysis on term life insurance. Sadly this video disappoints me, where Rachna didn’t touch many dark horses in term plans.

[@swethacima4266]

Could you please address them?

[@rithikgodimani6385]

Yes they are fabulous do visit

[@AI_Cogito]

Term insurance चा premium शॉर्ट टाईम मध्ये ठेवला तर काही प्रोब्लेम नाही ना ? म्हणजे मला ७५ वर्ष , ८० लाख हा प्लॅन घेऊन ५ वर्षा मध्ये फेडायचा आहे, तर काही problem नाही ना ???

[@anshnoor6407]

The best thing about her is that her intentions are so pure... She really wants our country to be financially literate... Much respect mam

[@ujjwalnayak2928]

@@user-kn6vg5bs3i mam if I want to calcuate EV ,which "minority interest" have to use.there are two minority interest exist,one in the balancesheet and other in the p&l statement.please answer.

[@sudarshankshirsagar4568]

Yeah ... She should make her paid courses free. See I can't afford those

[@nh4635]

Policy bazaar also takes commission so it's no different

[@nh4635]

But yes rachana mam is very good in her presentation

[@nssachin]

Thank you 🙏. Can you make a similar video on what parameters to check and look while selecting a health insurance.

[@DKeshavgehlot]

Yes very important

[@tusharkale4855]

That would really be helpful

[@imunique5928]

Yess this is important

[@abhishekagrawal9950]

Considering your age at 25 years, you can get a cover of 25 lakhs, a premium of ehich might come to around 6-8 thousands, just check claim settlement ratio of it, check how long is the waiting period for all types of deseases (eg:- covid and some deseases have a waiting period of 1 month, critical disease have 2 years, and pre-existing disease is 4 years), do check this, and also check how many cashless hospitals are there in your city where this policy will work..well i guess you can also check entire chronic disease list also..these all things i considered while buying my health insurance..maybe this will help u alot..thanx🙏🙏

[@ananthmakam5051]

It will great if you make video on health insurance

[@raworks8238]

Guys if policy bazaar spams you kindly mail to them with PMO or consumer forum e-mail address in CC they will definately stop the spamming I did the same

[@alexchristopherj6466]

Waiting to hear about Health Insurance as well mam !

[@vipulkataria]

Finally a good paid promotion video by you We need more videos of this type instead of ULIP type videos

[@srikanthningappa9593]

No investment is bad. But your thinking of discontinuing is bad. If you don't love ulips traditional plans will suit you. Including term insurance. For every investment commitment is important.

[@DipankarCare-en4lt]

wow! what a lovely, well presented video! as you say in marathi 'khup chaan rachana tai'!

[@ankushsv88]

Well, A perfect piece of marketing for some portal and also some company with a huge commision and personal benefit. It's clearly sales in indirect way. Also talking about claim settlement and premium comparison on the page displayed it was a clear win for MAX LIFE. 🤔Then why choosen other ? Well only Rachna can answer that.... 😆😆 Aside, I love your topics and studies. I have seen most of your videos on several other topics but now you are making it more commercial it seems. And it's my personal opinion do not buy from any website instead buy from a Bank channel or an individual. Regards AV

[@makesyoulaugh2]

wow.I am addicted to your videos and have been binge-watching your videos. Thanks ma'am for amaging lessons which by the way are so simple to understand.

[@navneet2649]

@10:02, mam telling that she earns 10 lakh p.a. in earlier part of video for example but here she chooses 15 lacs + with a smile on her face! Love ur innocence mam😂😂😂❤️❤️

[@AllOverToronto]

What about do you smoke or chew tobbaco? That too look like an honest answer? @10:00

[@aadeshyadav7726]

You unknowingly spoke right income 1000000 / month to 1000000/year

[@thesherparider01]

Today only i was doing research on these topics to buy one. And you made a video on this. What a coincidence. I am lucky.

[@kaustubhshirname6049]

Bro please don't buy insurance online

[@kaustubhshirname6049]

Contact any insurance agent nearby And remember always take insurance of LIC not private companies

[@NH-il9qt]

@@kaustubhshirname6049 agree. They have limited and promoted products. And they also take commission from the company

[@Jeetendra.1222]

Agar aapko shreeram life insurance lena ho to contact me

[@SaravanaKumar-bk5uf]

@@kaustubhshirname6049 lic is also privatised bro

[@rameshjangadi1318]

This video can give some knowledge regarding why one requires or need insurance. When one buys term insurance online (as you suggested in this video) that to without medical and not knowing what are all the exceptions in Term policy. Then when the unexpected things happen then only the nominee knows how many big coverage policies are settled by different companies. Before buying any Term insurance for one crore and above please do check the settlement ratio of different companies track record in that category. I as a Life insurance agent strongly suggest to buy a Term insurance plan without any exceptions (with medical) even though it is costly.

[@jagpreet]

My experience was not good with policy bazaar, my suggestion is to get policy directly from the insurance company after comparing them.

[@SaysMaverick]

Can you please tell more, I also want to purchase a policy and was thinking about policy bazzar

[@navneet2649]

Can u pls elaborate on ur bad experience?

[@jagpreet]

I was getting calls initially when I was looking for new policy, but after the process initiated, nobody cares about my queries. I cancelled my policy after not getting proper support, I am sharing these details based upon my experience, I am not sure about others. Now recently I applied for HDFC Life (not sponsoring), and I had great experience with all the support related to policy. I can contact them easily with email OR by calling on their number directly, I am getting better response. Disclaimer : Again I am sharing these details based upon my experiences, I am neither sponsoring nor defaming any brand. Please do your research properly before applying.

[@vruddhifinancialservices424]

One very important point to add in this valuable information. How much insurance i should have? One must calculate all the liabilities in annual income (total liabilities + annual income * 15times)

[@rohitsoni9325]

insurance company won't approve more than 20 times your annual income even if you have loans or other liabilities

[@dipeshgor7090]

Good information to create awareness. Make a part 2 on what could possibly be the rejections of Term Insurance settlement claims.. Also if possible make a distinguish between Advantage and Disadvantage of Term Insurance.

[@srikanthningappa9593]

You have to declare your health condition promptly. So no rejection will happen.

[@kushithvlogs9437]

Good question bro

[@gingercup]

I can't believe boring topic such as term insurance can be explained in such fun way... 😅excellent explanation

[@PÍńńédBŸMMĆryptøEspánøl-k7q]

I~n~v~e~s~t~i~n~B~T~C~~{}~{}~E~T~H{}{}{} W~H~A~T~S~A~P~P +~1~3~2~5~2~6~1~7~9~6~7~~~~~..................

[@vibrantt_shadess]

Content tar useful ahech🔥👏 But editing/animations pan Mast ahet😄👌

[@harishratnaparkhi1874]

Excellent as usual. खूप छान. अभिनंदन।

[@shubhammaheshwari7139]

Your disposition and way of presenting videos are most amazing. I am also CA and I look upto you as an inspiration. Wish I can be even half like you, keep it going and best wishes for your good health.

[@soundhars424]

Very Worthy Content... Excellent Teaching...👩‍💻👩‍🏫🕵️

[@shaundeena]

Yes true.. Just one more thing .. for term and even endowment.. you have to make sure you pay till full term.. if it is not in-force then Company no need to give full benefits.. in case of term insurance I have seen it plenty of times .. people miss the premium and claims rejected..

[@zoommeeting3728]

I am 21 yo and will start earning by Sept 21 I saw a video by Sandeep Maheshwari before and that day I decided the frist thing I will buy with my salary is an insurance. Because my father is 50yo. At age of 49 he got a term insurance. His premium is 55k per year. 1cr sum upto 85yrs. If I remove not my premium is 12k with 1.5cr upto 100yrs. This is just great!!!

[@rohitsoni9325]

Wait wait! If you started earning, then your father might not need insurance (ofcourse, if you dont have any loans). Also, Only because premium is low, don't over-insure yourself. While taking insurance, ask yourself these two questions: 1. Till what age will your children be settled (started earning)? => This will decide your term. 2. If you die then how much will be required to continue your current lifestyle for 20 years (or 10 years)? => This will decide your cover amount.

[@rishilol845]

And by the time ur 70 1cr will not remain 1cr it will be like 5 lac after 50 years dude. 50 years back people would have taken term insurance for 10 lakhs as it was huge amount in 1970s but now u see. I hope u understand. Chose a higher premium. The higher the premium the better it is. And don’t delay it as premium increases

[@VishalKumar-td1uf]

Policybazar waale cares much more than your closey by keeping regular calls and SMS 🥰🥰

[@rajsekhark5426]

Very clear and crisp....⚘⚘⚘

[@sushant_kharat]

1) Claim settelment ratio 2)Amount Settelment percentage 3)rejection ratio(max 1) 4) AUM 5) Solvency ratio (min1.5)

[@saviolicious5]

@@user-kn6vg5bs3i ?

[@rajsekhark5426]

Rachna Ranade....Ji....Fantastic briefing.

[@navneet2649]

@09:52, gave my mobile no on the website here (since its compulsory before we can compare the plans) and after that there were back to back calls from them! This type of behavior is not good on any company's part! 🙏

[@Nikhil195]

Yes they don’t stop calling I got 10-15 calls in a day

[@maybeabhiknows750]

I've various questions regarding Term insurance. Please do a deep analysis of term insurance in part 2. What kind of deaths are covered? Which is the best way to pay the premium? For how long you should take the cover? LIC vs Private firms Not only the settlement ratio is important. What to look ahead in the company? In what cases claim may get rejected.

[@vishalkulkarni5840]

Hello Ma'am, I have a question about Insurance Cover. You said that the minimum amount we go should go for is 10 times the yearly income. But shouldn't we consider inflation too? Cause considering a life cover of 30 years or any no of years, inflation will play major role in evaluating the value of insurance cover one has. Please shade some light on this matter.

[@jayabiswas6531]

Hello Vishal Sir I deal with one of the best insurance company that is HDFC Life. We have both term plan as well as endowment plans. If you need any of them or have any queries then please comment me you number our company will contact you

[@srikanthningappa9593]

10 times is minimum. Or your can cover upto 20 times of your income. It depends how much we want to secure our family.

[@shubham943]

@@jayabiswas6531 Hi bot 🙋

[@Prithiv-IRDAI-InsuranceAdvisor]

some insurance plans offers to increase your sum insured every year adjusted to inflation.

[@maheshsarde3737]

Fabulous teaching style

[@James-Bond-007_]

Please tell us more about endowment plans as I am more interested in investment type life insurance.

[@larkdavis3233]

Thanks for your comments and ratings for more guidance on trading W=H=A=t=S=A=P=P +1~=7~=0=2~=2==1==3==4~=1=5=6

[@Jeetendra.1222]

Shreeram me assured income plan me invest kar sakte h 15000 per year se start h

[@nileshgarg7608]

On this accounting closing day, let us thank hardworking minds that will pull of the task of analysing all the graphs, charts and data for the financial wellness of common people 📊 📈 📕 📝 🙏

[@adityapatnaik7078]

SHE IS A KING 🤴

[@TauroChuck]

Rachna.What you have explained is what is available and understandable easily.What I wanted to know was when there is a base life-ins-Premium(which says it covers death).Why accidental death topup premium again. Endowment policy doesnt differenciate illness and accidental death

[@robin02403022]

Mere coincidence that I choose my term plan from policy Bazar last year and today was my 2nd premium date 😀

[@GokulKrishnaKM-cx7px]

Will term insurance cover only for death ? Or hospitalisation also?

[@robin02403022]

@@GokulKrishnaKM-cx7px only for life (death coverage)

[@Nishiskitchenrecipe]

Thanks for sharing valuable information ℹ

[@paikamalpai2001]

6:01 you brought a smile on my face

[@vedhabhavani7223]

The way of teaching is super

[@Mohit-nn9bt]

I think Amount Settlement Ratio Matters too with Claim Settlement Ratio.

[@rushikeshravte1593]

Rejection ratio is also important

[@shreevigneshsp4223]

Very clear explanation 👏🙌💯

[@bhushang8525]

Claim settlement ratio only provides raw data to check insurance company's performance and credibility.We need to study other ratios too, like incurred claim ratio etc.. Also, we need to consider last 5 years performance. So,in short, we can not trust fully on such online intermediaries as they have to fulfill their target and all that stuff.Better to read various personal finance blog.

[@dhruvpatel9979]

Very good information video what we are expecting from your side thank you but can you mack one more video to cover which kind of peoples age should go to bay which kind of insurance it Good if you can mam thank you for this video as well as 👌👌👌👍👍👍

[@navinbalani9379]

Do you think a medical test report should be submitted while taking the policy as I heard that these insurance companies make obstacles in paying if there is a death by health issues after taking the policy.

[@srikanthningappa9593]

Medical is must. Please follow medical steps so that Rejection can be avoided.

[@Prithiv-IRDAI-InsuranceAdvisor]

if you opt for higher sum insured and depending on your age, insurance companies will ask to to undergo a full body medical test as per your convenience, the cost will be borne by the insurer itself. if insurance did not ask for medical test, it is better to share a medical test report from your side at the time of proposal itself.

[@bapudeshmukh1233]

Fully policy bazar advertise. You explain better than they advertise..

[@kurdukarajinkya]

One suggestion. NEVER I repeat NEVER purchase insurance from online market places.

[@vaibhavshetter9085]

Why bro

[@kaustubhshirname6049]

@@vaibhavshetter9085 because insurance is not something which is meant to buy online. If you purchase pen online it's okay But if you purchase insurance online After your death who is going to come to your family and fight for their right and claim settlement. One more thing bro Never take insurance from private company. Always take insurance from LIC. you will get 100% claim

[@rushikeshravte1593]

Hi Ajinkya, I am Insurance advisor giving all services in personal touch based in Pune. If you're interested to know more people reply i'll share my contact details. Thanks!

[@pranavthakkar6786]

@ajinkya kurdukar bro the nominees just have to call to policybazaar and the executives will do A to Z process for claim settlements. Please stop misguiding people.

[@rushikeshravte1593]

@@pranavthakkar6786 Absolutely agree even offline advisor also do that just need to inform. He will take care of everything.

[@navinbalani9379]

You should make a awareness video for future policy holders covering all the reasons of rejection in settlement and claims by insurance company which will help how to avoid errors while taking policy.

[@PÍńńédBŸMMĆryptøEspánøl-k7q]

I~n~v~e~s~t~i~n~B~T~C~~{}~{}~E~T~H{}{}{} W~H~A~T~S~A~P~P +~1~3~2~5~2~6~1~7~9~6~7~~~~~...........

[@vikramchavan5234]

LIC Tech Term plan -854 much better in all term insurance.

[@murugappan2]

Lic claim ratio need to be checked

[@kmbala555]

@@murugappan2 Claim settlement ratio is not that much important. Just check whether it is above 95%. (Should have atleast 90%)

[@vikramchavan5234]

@@kmbala555 LIC claim settlement ratio 96.69% in 2020.Any company claim settlement ratio above 95% consider as good company.

[@Itsnotmyday]

What is the charges for 1 crore cover and how to subscribe?

[@kmbala555]

@@Itsnotmyday your question is not clear

[@maguturikhasim5994]

Bussiness ideas Types of insurance important for everyone I am a very big fan of you madam because you words changed my mindset with out any bore your class will be so interesting.

[@mkeerthana451]

I am unable to purchase your student membership can u please put some more payment methods like phonepe, amazon pay . please mam

[@arnabmandal1487]

You are doing a great Job , Rachna making us financial literate

[@prejithalex4837]

Ma'am which life insurance stock is good for long term- HDFC life, icici prudential or SBI Life?

[@ravindranathshinde4467]

Can you please make video on Buy Now, and Pay Later...

[@tejithapar5076]

Thanks for the inputs on life insurance... Would request you to cover medical insurance also... Thank you.

[@mechiansstories5099]

Medical insurance free with term insurance

[@sheffuhack]

I have taken Term Insurance Plan of Rs.1 Crore In my 28th year for 47 years upto my 75th birthday after surrendering LIC Endowment plan which i consider the best step of my life now.TATA AIA is the insurance provider and installment is approx 1100 with 3 additional rider benefits.

[@1aditya11]

Which all riders have u taken ?

[@26BAGY]

Pls let us know the riders

[@sheffuhack]

1.Accidental Total and Permanent Disability Benefit which costed me annually Rs. 27 additional. 2.Accidental Death Benefit costed Rs.45 annually. 3.Critical Illness which annually adds Rs.688 in the policy charges.

[@kmbala555]

Why do you need accident rider? Do you know what it means? When you die by accident they will give extra amount. If you die by other means, then they will give only the sum assured.

[@vivekpatel1158]

Mam please make video on ETF exchange trader fund

[@SYBMSAMADAVIDISHA]

worth watching and accurate could you make a video on basic terminologies related to insurance??? it would be really helpful for beginers to understand what exactly each word mean.

[@sameehanphatak4560]

Fantastic content as always :-) You make a great point by clicking on yes for the smoke/chew tobacco question. Many often ignore the good faith disclosure requirement, the heart and soul of insurance contracts. The tendency is to blindly click no on the health related questions (usually the diabetes and hypertension part, Lol). If that happens, the outcome is often : CLAIM DENIED!

[@jayabiswas6531]

Hello I deal with HDFC Life Insurance Term Insurance as well as endowment...If you need then pls give a reply to this comment and give me your number. Our company will contact you

[@sushrutathale9015]

Do you recommend Term insurance with return of premium? Are there any pitfalls? Thanks!

[@akawaveman]

Can you please make a video on dhani services? Mainly regarding its recent fall and future plans.

[@Bhuvan.Grover]

Rachna ji. Pls make a video on Health Insurance. That is the most complex insurance when one decide to buy an insurance. I have term cover but want to buy a health insurance but I am completely confused which one will be better for me as compared to others.

[@chethanshetty776]

@3:56 good she slowly kept the family down... I was scared that child would jump out of hand...🤪

[@yashumre]

9:58 YES ???!!!

[@shafiqali2034]

Hi Rachana please talk about Suez canal block. How it gonna effect our shtock market!

[@bootiigi]

Can you please tell us whether we should take riders with term plan or not ..??

[@rahulthiya6308]

How about registering directly on HDFC Life website?

[@madhavanv6688]

I directly took the HDFC life policy online.

[@rahulthiya6308]

@@madhavanv6688 Are the rates same as policy bazaar?

[@chandukaile438]

@@madhavanv6688 rates are similar or not? Brother

[@madhavanv6688]

@@rahulthiya6308 Thanks for your query. I took it more than 5 years after reviewing various plans at that point of time. Their system is very good.

[@kmbala555]

Policy bazzar is not getting commision for us. They will get commision from insurance companies.

[@rajpriyapandian5068]

How to know the interest rate of the life insurance investment plans?

[@brahmanandjha1431]

Hello madam, this was a wonderful informative video about life insurance. I want to ask something related to this: If I buy a term insurance plan from any insurer and unfortunately the company gets shutdown in the middle of term then what happens to my insurance policy, will it be active or not for the entire term?

[@kmbala555]

I hope private players will increase premium if they get some loses. So they will not go bankrupt. IRDAI is the regulatory for insurance providers. If a Company wants to start providing insurance, then it needs to be registered by paying 500 crores. If a company shows very poor results, then I think IRDAI will merge that to other insurance player or other player will take all existing policies. If you want more details, check out IRDAI website.

[@brahmanandjha1431]

@@kmbala555 Thanks for the information!

[@kaustubhshirname6049]

Always take insurance from LIC bro

[@srikanthningappa9593]

Usually Companies don't shut doors. Either they will merge with other company. If they can't manage the show.

[@akshayraj5484]

Please upload health insurance plan video and ulip also

[@kanhasaatvik4851]

Stock's are crashing, Bitcoin investment Right now will be at every wise individuals list , in a month you will be ecstatic with the decision you made today ....

[@javiermaria4359]

Stocks are good but crypto is better..... Bitcoin is the future, investing in it will be the wisest thing to do especially with the current rise

[@chenwang8813]

2021 online stock is difficult and unpredictable, I just invest my money on crypto

[@christinetelienpa5611]

Individuals are ignorant of the profitability in Bitcoin investment and that has been there majority issues limiting there investments

[@zoeyviktoria7914]

it's true, this could be the wisest word I've heard, you got a good points.

[@saranyafarrow5550]

Nice words

[@avishekarang]

What all points to consider, while opting for multiple term insurances?

[@anandprakash6611]

Thank you for the useful information ma'am. I request you to make a video on LIC telling us whether and how much we should invest in it, it would be really helpful.

[@jayabiswas6531]

Hello Anand Sir I deal with one of the top rated company that is HDFC Life. We have both Term as well as Endowment plans. If you need any of them or have any kind of queries then please leave your number in comment box, our company will connect with you

[@srikanthningappa9593]

Investment 10 to 20% Of ur savings in insurance is must. Every product are good.

[@rohitsoni9325]

Frankly, Girgit ki yaad aa gyi video dekh ke😑 Pehle ULIP walo ne paise diye to ULIP promote kia bhar bhar ke, ab Policybazaar wale de rahe to ye.. And your point @8:20 : NO, ULIPs/Endowments/Moneybacks are not good for ANYONE. We all know (including you) that we should not mix insurance with investments and you did not even mention this in your entire video. A know nothing user don't know this and will end up buying ULIP/endowments because of the way you gave pros of it. PS: No issue of you partnering with companies which benefit your users (like this) but don't promote only for money (like your ULIP video) PPS: We were expecting explanation or apology for falsely promoting ULIPs better than term insurance.

[@lifeenjoy.]

Hi Ma'm, I really love the efforts you put in all the videos. I am 26 & I did get a term insurance last year but i still would like to here your thoughts about it. I have few question about the term insurance: 1) What are the ideal additional riders one should opt for? Like personally i haven't added any rider options as no one is dependent on me in my family for money. 2) My current benefits cover me for 45years & i have opted for annual premium for just 10years(Is this really a good thing to do compared to paying annually for the whole term? 3) The most imp question i have: Statistically speaking, What kind of claims are really accepted? like if i have not taken extra riders (accidental death, critical illness) what exactly is my insurance covering in this case?? Is it really worth it? am I overthinking this?

[@rohitsoni9325]

1) You should have chosen disability rider which will insure you if you get a permanent disability but did not die as in this case also you probably won't be able to continue working. Also, you don't have to look for dependents at the current time but plan for dependents in future like your wife or children. 2) Generally its advised not to chose paying for lesser term than your cover benefit as over the time due to inflation premium will be negligible after 20-25 years. and yes its better to take term plan than whole life plans. 3) Simply, if you die your nominee will get the insurance amount. Here, die literally means DIE. Nominee wont get money if you are critically ill/ severely handicapped or any other situations). There are only two conditions:1. Your death should not be because of Suicide or drunk driving. 2. You should have declared everything truly. (Notify your lifestyle changes like started smoking/drinking.. they will increase some amount in your premium but you will be covered else when nominee tries to claim this they will find that you smoke/drink and didn't told them and they'll reject the claim. other than this, you are all good!

[@lifeenjoy.]

@@rohitsoni9325 Thank you for taking time & replying me, I really appreciate it. I still have some queries over you answers. 1) what is the probability of a person getting disabled? Personally, I am an IT professional who will be spending most of his life starring at a screen, so i really don't see a point in opting for that option but i will definitely plan for dependents cover in future. 2) I am sorry i did not understand your calculations here. Here's an example.. 75lacs cover for 45years, the premium will be around 7.5k/p.a for 45years i.e *total 3.4lac* or 16.8k/p.a for 10years i.e *total 1.68lac* . Isn't the 2nd option of payment more beneficial even when you consider inflation? 3) My concern here is how commonly a person dies with critical illness?? To put my question more accurately, If a insurance company has 99% claim settlement ratio, Then what parameters is the company looking at in case a person has died & has no extra rider options opted? Do you have any common case studies that i can refer to?

[@kmbala555]

@@lifeenjoy. search "freefincal term insurance" ( I'm not promoting the channel). There will be 3 to 4 videos, watch that. All your questions will get answered. As your name says enjoy your life bro.

[@lifeenjoy.]

@@kmbala555 Thanks for the recommendation.. They were really helpful.. Overall, it looks i have opted for a correct term insurance plan :)

[@kmbala555]

@@lifeenjoy. Thanks. I used to see his video whenever I want to opt for new schemes. He is very realistic and pessimistic.

[@HM-gb8mf]

Nice ma'am.. next video on Health insurance please 🙏🙂

[@Soumyadip-Ghosh]

Alert ❗ paid promotion from "policy bazar" 🌚

[@konrad509]

How safe is it to make a policy online???

[@muralidharansriram3552]

What if I already have an Endowment plan and wanting to opt for a term insurance? Bcos i dont wanna sign in to both endowment as well as term insurance plan. Is it possible to convert that endowment plan? Kindly clarify. Thank you.

[@lokeshwartailor8250]

just curious - why are you thinking of moving away from endowment plan?

[@srikanthningappa9593]

Conversation is not possible. Endowment policy can be treated as emergency fund. You can raise Loan at any time. You can buy Term insurance parallely.

[@rajulnahar5673]

Awesome video..What kind of premium is better monthly, yearly or one time?

[@chetzful]

Hello MA'AM can you please make the second part of this video where the insurance company may reject the claim for so & so reasons.

[@kaustubhshirname6049]

Private companies reject claims bro

[@kaustubhshirname6049]

Always take insurance from LIC

[@srikanthningappa9593]

Your habits like smoking or having alcohol or had previous surgeries should be declared promptly. Hence Claim Rejection will not happen.

[@abhishekagrawal9950]

Video came 2 hours ago and today itself i bought my term insurance..what a coincidence..🤣🤣..actually term insurance has one ryder in which you can opt in for return of premium in case of no death of a person..definately your premium increases in this type of ryder..but yeah..some companies do provide such ryders..max life do provide but i didnt took this policy as an investment option..its a pure protection goal..😅😅🙌🙌

[@ivinitmittal]

6:02 muh se sach nikal gaya! Lol😂😂😂😂

[@Simply-Sophisticated]

😂😂😂

[@navneet2649]

Aaj pata chal hi gaya HNI kaun hai and retail investor kaun 😎😝

[@MoHiT-hp4gv]

Mam, double your video editor's salary. He / she deserves it for sure.

[@krishnachaitanya9986]

She gets monthly 50 lacs min.. as many of them joined paid subscription, advertisements in the videos and sponsored videos

[@sagarsircilla]

wonderful presentation...compact , comprehensive information

[@anishbabyc4387]

I bought 1 term insurance from policy bazar, what a coincidence? 😀

[@adminn7237]

Thanks for the feedback. Send a d.m on was.sta.pp

[@adminn7237]

1 3 3 4 4 7 2 4 8 1 6

[@anishbabyc4387]

@@adminn7237 madam what is this number?🙏😊

[@anishbabyc4387]

@@adminn7237 in which number?

[@achu1342]

@@anishbabyc4387 you do realise thats a fake account right?

[@bharathkumar.a1040]

It would really great if you can make a video on critical diseases like cancer.

[@jubibenny7988]

If we took term insurance no need of health check up. I like to buy for my husband his age is 55 now

[@Jeetendra.1222]

Contact me for shreeram health and life insurance etc

[@siddharthhui8678]

Heyee Madam Ranade... Just making a hobby to watch your videos. The way u explain specially the way you explained about basic of share market, I can really say your teaching scale is far superior. 1 hour passed like a moment. Now since you have guided us about insurance, I have a request that please upload a detailed video regarding mediclaim or health insurance and it's settlement in hospital(ratio if any) whether it's immediate or it takes time and what things it doesn't include. Thanks in advance as I know you will upload the video 😀😀😀 Siddharth Here

[@rohitsoni9325]

Watch Labor law advisor's Health and term insurance videos. They are by-far the best on the internet.

[@sanganabasvarajvithalrao1226]

Very nice video but i felt ended abruptly, as I was expecting you will cover T&C of insurance and what care we have to take while declering self details. I have few questions and felt you are right person to answer. Which is better ? buying via pilicy bazaar or direct company website? In othyer words will there be any hidden commission be taken by policy bazaar? also if we are taking via policy bazaar, will my family have policy bazaar support in case company is trying to reject claim for not so valid reason Also I have 2.5+2 crore Term insurance (including 2 cr accidental rider) so is it safe to have big sum by single company? i heard if sum is big then companies put more effort to reject claim. If i take from more thna one companies then my premium is going high...

[@digsawai]

Kis company ka liya sir aapne term insurance...aise hi pd rhe the comments.. to puuch liya...m b lene ki soch tha hu kuch dino se

[@sanganabasvarajvithalrao1226]

@@digsawai as per the Amount settlement ratio and premium to be paid, I feel max life, TATA AIA and ICICI Prudential are better in private and LIC's eTech term is better so took from all 3 private players to minimize risk instead taking from single company

[@bijayshankar1526]

Sister,, what amazing the way u covered... Fantastic 👌👌👌✅✅💐💐💐

[@kriteshlokwani8697]

Hii ma'am good evening, big fan from UAE🥰

[@nilstoned7593]

your video editor deserves a raise

[@Ananth_Setty]

Iphone lungi🤣 free marketing to apple everytime.

[@himansunayak7241]

Phone lungi bolna tha

[@khirodachandrapatra1466]

Madam any type of death is cover . Suicide also cover in term policy

[@milindsalunkhe6869]

Very GOOD INFO just to clear , TERM INSURANCE OFFLINE OR ONLINE ?

[@kavinsanthosh648]

Mam, where is mutual fund of the month video. If you can't do a live video please share us what is the fund of the month, like you have shared the stock of the month using a community post.

[@balakrishnay6843]

Hi.The live stream has already been finished but most of the pro investor members didn't get notification. I too watched the live stream after it ended.

[@kavinsanthosh648]

@@balakrishnay6843 bro live stream started but it got cancel due audio issues right?

[@princevijaypratap6025]

yes what happened to the live stream? didnt able to see any notification in community tab. How we are gonna know it?

[@hemantacharya9658]

Thanks mam amazing session ❤️❤️👍👍