Don’t Buy TERM Insurance without Watching this | Life Insurance ULTIMATE Guide

Don’t Buy Term Insurance without Watching this | Term Insurance ULTIMATE Guide
Apply for Max Life Insurance here: bit.ly/46TBuGJ
In this video we discuss everything about term insurance. How to choose best term insurance? Mistakes done in term insurance plan? Why claim get rejected in term insurance?
Whether you're a newbie looking to secure your family's future or someone with prior knowledge seeking a refresher, this video is for you
In this video we'll also learn how you can make the most of your Life Insurance by doing a few extra steps at No Cost.
===============================================================================
Follow our channels (bekifaayati) on
Instagram: / bekifaayati ​​
Facebook: / kifaayati​​
Linkedin: /
Twitter: / bekifaayati​
#terminsurance #lifeinsurance #insurance
===============================================================================
We Simply the World of Personal Finance!
Subscribe Our Channel to Uncomplicate Your Financial Life
/ bekifaayati

[@bekifaayati]

Apply for Max Life Insurance here: bit.ly/46TBuGJ

[@skyscraper_aniket]

Did you even checked the maximum cover allowed, salary is considered as a baseline for estimating that

[@mukeshkumar-ot7oo]

Max to 50L hi de raha hai

[@mukeshkumar-ot7oo]

Mujhe 1 Cr chaahie

[@apoorvashrivastava92]

@@bekifaayati Max life mis sell cancer policy 6 yrs back,their sales executive forged the documents, n when I Took new life insurance policy I came to know about previous policy in the app, when I confront company regarding forgery,they told me we can't do anything,they have merged both policies in same client Id.,so i requested to demerge both policies bcz cancer policy was mis sell,they denied completely, Almost they harassed 1 month for the same,I have send more than 150 email to grievance team,but they didn't respond, so at last I cancelled my new policy too. So yes it's all paid reviews to misguide customer like us. Don't fall in their trap.

[@aashishbhoria8885]

Sponsered😂

[@dheerendragupta3462]

Headline- 2 cr term insurance rejected, amd that's not in the video, it's a click bait, madam news agency walo se sikh rhi h aisa scam krna

[@SSRealLifeVLOGS]

After giving good Gyan at time 4.06 u highlights claim settlement ratio only and not amount settlement

[@JaiRawat898]

Paid promotion 😂😂

[@pradeepsrmcem]

Maximum Life insurance cover k liye IRDA ki guideline predefined hai..... As i remember 25 times of annual income for a salaried person. You miss that point while drafting your formula.

[@ayyy9701]

how does this make sense of business people and freelancers?

[@appu5ful]

She did mention it but in other way. She made a formula which is almost the same

[@ManishYadav-hd8we]

How Smartly She promoted Max life Insurance 😂

[@vin21711487]

Accelerated plan would end in 15 yrs max where you can pay off that payment easily as you mentioned income will increase. Then you remain covered. While normal plan, you have to continue paying premium till you are alive even after retirement where you might not be that much working to spend a big chunk in paying your term insurance at that age

[@abhinaykunchhal5494]

Do you really think, it will be a big chunk after 20 years or peanuts?

[@siddharthmodi2740]

Content is informative but please stop promoting or selling any specific life insurance,the statement 64 illness covered is soo misleading , ridiculous way to earn commission.

[@adarshk.m8176]

Your content is quite informative.. It would be good if you mention if this is backed by max life or not (nothing wrong no matter what).. It will help viewers to have perspective..

[@karanjatav8437]

there is a '#ad' on the top right corner of the screen when she talks about it, I guess that should be enough to tell that its sponsored.

[@SiddharthManu]

I didn't understand how ULIP is aligned with anyone's financial goals. Won't a Term Plan + Recurring Deposit / Index Fund SIP be better than a ULIP scheme for any cover amount and investment returns? Please explain if possible.

[@bekifaayati]

Ideally yes, Term Plan + SIP would be better but not everyone has the discipline to do both simultaneously. For people who don’t have the discipline, ULIPs serve the purpose

[@keyurrughani3687]

AND FOR THAT PERSON WHO ARE ABOVE 50YRS OF AGE WHERE THEY CAN"T AFFORD PREMIUM OF TERM PLAN, THAT"S WHY ULIP IS THE CHOICE TO PROCEED

[@mainakmallick1143]

Arey ULIP un logo ko bhi cater krte hai Jo log term plan kharid hi na paye. Traditional endowment bhi unhi logo ke liye thk hai. Term plan ke liye ITR Dena padta hai, sabke pas ITR thodi hai. Sochie Zara

[@riya_m_]

6:01 Agar policy lene ke 3 saal baad smoking ka update kare to 3 saal ka period wapas shuru hoga kya? Please update ma'am..

[@sunnyjha11]

Yes

[@Avinash377]

No just inform company that you start smoking.. or if three years completed than you dont need to

[@kumpipanda5923]

term insurance in india compare to other countries are very expensive and manipulated during the claim. Its better to take term insurance from some other developed countries if possible as settlements are done without asking any questions if the documents are correctly presented.

[@kccplltd7224]

How to check that my policy is cover under mwp or not?

[@luciferplays2019]

What if: I consider the 3.6 cr to be the net need of my family in case of a mishap. My net mutual fund and stock acc has 1 cr in it today and keeps increasing. Total term ins i hv - 2 cr Fd - 80 lakhs Total - 3.8 cr What do you have to say? I don't think I should take more term insurance since there is a problem of claim settlement often. So guys, if you save 40k per month you can easily be independent in 5-7 years.

[@bekifaayati]

Suggested Insurance Companies has an excellent Claims Settlement Ratio. Usually your claims won't be rejected unless you're lied on your form.

[@lakshyamalav3803]

What about tele-medical? Insurance companies nowadays relying on tele-medicals only? Are they good from a consumer point of view?

[@bekifaayati]

We will try to cover this in our future videos.

[@pndevan-1]

Insist the insurance people to get your medical test done and have the report in your insurance. It will definitely help.

[@kartikeysingh1388]

Hi, Can you please explain the rationale of the formula used ?

[@keyurrughani3687]

GREAT MAM, I WOULD GIVE SUGGESTION ON THE LAST POINT THAT DON"T BUY INSURANCE FROM AN AGENT OR FINANCIAL ADVISOR OR INVESTMENT ADVISOR RATHER BUY IT FROM INSURANCE ADVISOR OR INSURANCE CONSULTANT, AS THEY GIVE YOU BETTER ADVICE WITH NECESSARY PRODUCT AND ARE WAY BETTER THAN THE ABOVE MENTIONED PERSON. AND LAST THEY DON"T WORK FOR ONLY COMISSION THEY WORK TO SECURE YOU AND YOUR FAMILY FROM UNCERTAIN PHASE. THANK YOU

[@luckumathur7938]

Agar aap 3 sal jinda hai tou kuch declare na karey....3 sal baad kisi ka baap ni rok sakta....I am an area manager of insurance company

[@rajanishsingh7300]

Sir pls thoda help krenge.. Mera case jara samjhiye aur pls guide kriye.... Mere jija ji ne 2020 me 1 cr ka icici pru ki policy li us time unko koi dikkat nhi thi... 2023 january me unko heart se related dikkat shuru hui aur May 2023 me heart ko surgery hui sten aur ballon dala gya .. Fir thik the lekin january 2024 me dikkat shuru hui aur 6 April ko attack aya aur off ho gye.. 2023 me jab treatment hua tha us samay ek health policy reject ho gyi thi ek jankar ne galat jankari de di hospital me ke inko migrain aur diabities pahle se hai jabki aisa nhi tha fir dusre policy se claim kia tha... Ab maine claim kia hai..aur 2023 ki sari jankari maine de di hai... Kya reject ho sakta hai...

[@rajanishsingh7300]

Aur ek bajaj ka bhi hai 50 lac ka 2021 ka jisko 3 saal abhi nhi hua hai... Same case hai pls thoda guide kriye

[@ajit0332]

Ha bilkul sahi as per sanction 25 insurance act after 3 yr policy continue hoti hai company ko claim dena hi padega

[@ajit0332]

​@@rajanishsingh7300bro claim reject hua ya pass hua

[@atharvamahabole8796]

in the formula of Life insurance amount, what is 20 ?

[@baljeetkaur12844]

New subscriber here...love the way u explain..plz guide about buying term insurance from LIC

[@SanjayVerma-zc3bp]

लिक में टर्म इंश्योरेंस मिला टू है पर क्लेम मिलना सबसे आसन, प्राइवेट कंपनी में टर्म इंश्योरेंस मिलना बहुत आसान है पर क्लेम मिलना बहुत कठिन

[@Avinash377]

Sb sach btao claim milna bhi utna hi aasan he 1000-2000 bachane k liye log cheeje chupate h or last me usi ka fayeda uthati he company

[@GauravRai149209]

What about Term Plan with Critical Illness cover? Can I claim full premium amount under 80D or just the amount paid extra for critical illness rider?

[@KhanabadoshLadki]

Only extra amount paid for critical illness cover is claied in 80D and basic premium for term comes under 80c

[@noobnitro864]

10 10(D)

[@shivadubey2034]

Ma'am..please make a video on PLI(Postal Life Insurance)🙏 Is it a good as an investment option??

[@bekifaayati]

Sure, we will try to cover this in our future videos.

[@subhendupraharaj5653]

Yes bcz you have to pay less premium and u ll get higher bonus compared to other insurance policy but if u purchase insurance policy make sure to pay atleast for the next 3 year or else it will be treated as void and u ll lose whatever amount u paid earlier this is not only for PLI. But for all other life insurance policies

[@vin21711487]

Madam your calculation of annual expense is as per 3.6l annual requirement. For a person having more mandatory expenses considering daily expense, kids educations and others per month or annually, the total cover needed would go upto more than 6cr or more. Now the premium would be so much that you cant bear it. And moreover there are limits of how much max you can buy

[@ibrahimpatel2406]

You should mention that this is the paid promotion for max life insurance

[@tejassheth6416]

Hello If we are smoking occasionally like gate to gether or marriages & drinking same way Then we can tick smoking/drinking options??or not i.e. waste of extra premium.

[@bekifaayati]

Even if you're smoking 1 stick a month, you should ideally inform Insurance Company while taking the policy. If you haven't smoked in the past 2 years at the time of taking the policy, you will be considered as a Non-Smoker

[@apz7645]

Question : Do I need a Term insurance if I have a Health insurance for every year ? Also kindly educate us about the erosion of 1 crore in next 40 years for a Term insurance during maturity ?

[@imtiyazpathan3452]

Yes you need term insurance as term insurance compensates ur income where as health insurance saves ur income......and we need to correct our sum assured time to time and have adequate coverage all time

[@palashagarwal4910]

The video started with you mentioning that when you read the t&c of your term insurance plan to aapka dimag kharab ho gya. Care to share what you found and under which category of the mistake you mentioned it would have been covered?

[@bekifaayati]

Few examples 1) Money will be first settled with creditors in case of any loan obligations, then to Nominees. This would be categories under 2nd Mistake (Sign MWP) 2) You need to inform the Insurance Company if there's 'significant change' in your lifestyle even after 4-5 years. Categorised under 6th Mistake

[@amanbhardwaj1366]

Description me didi E-insurance account ke baare me dalna to bhul gai par max life ka link description or comments dono jagah daal rkha h

[@jittendrakumar3908]

i used to smoke occasionally max of 1 stick a day. should i declare as well?

[@bekifaayati]

Yess

[@dr_arman_01]

Thank you for the advice.

[@bekifaayati]

Welcome 😊🙌

[@Harikrishna-be9ir]

Didi please make a video on claim process because most people are unaware of it

[@bekifaayati]

Sure

[@hariprasadgurupawar1166]

term plan lete waqt drink nahi karta but bad me suru karta hai kuch saal bad deth hoti hai to drink ka couse bata kar Clem rejected hoga kya

[@shubhamrai3767]

Nahi nahi ab to jam ke pio bhai.

[@hariprasadgurupawar1166]

@@shubhamrai3767 kya jawab hai bhai lajabab ....

[@Avinash377]

Agr lete waqt nhi krte or medical karaya he than milega

[@adnanpce]

How do i check/verify claim amount settlement ratio of insurance company? Can you pls share the link or any other details

[@ajit0332]

Bhai irdai ki reports me milega

[@aussiefernandes6979]

My doubts about smoking got cleared. But still there are lots of hidden terms and conditions which are to be checked. Like if you die in road accident and you were not wearing a helmet than will you get the money?

[@bekifaayati]

Ideally if anything is Self Inflicted it won't be covered by Insurance. Not wearing a helmet while driving could be categorised as self - infliction (taking unnecessary extra risks)

[@healyou4243]

Hi mam section 45 a of term insurance ..every insurance agent say that claim can't be rejected on any basis after 3 years ..but is it really true....health insurance mei tou ye log 50k ka bill pass ni kartey

[@bekifaayati]

As always there are Terms and Conditions to this Section also - it is not unconditional acceptance

[@healyou4243]

@@bekifaayati means pass ni karengey...tx

[@apurbapaul25]

Can I add some riders in my existing term plan..?

[@Avinash377]

Yes at the time of renewal

[@memorylane4745]

Mam what to do ? Add on critical illness rider with term insurance or with health insurance?

[@Avinash377]

For best result you can take it separately

[@user-he2gw8oi8p]

What is ASR of Max life Term insurance ???????

[@sameer9446]

NRI Person india me term insurance le sakte hai par kuch year bad hum india me relocate ho jaye to tab to hum NRI Nhi rahege to insurance continue rahega ya nhi

[@vishalmulik5535]

​@bekifaayati - could you please answer the above question?

[@bekifaayati]

According to Business Today, NRI life insurance policies remain valid regardless of citizenship changes. This means that maturity and death benefits will continue, and premium payments will continue as usual.

[@nightdreamer_vs1305]

Very informative video❤

[@bekifaayati]

Thank you 😊🙌

[@sunilkumar-pu1vk]

Hi Mam, Maine term insurance lia hai and meri wife ka naam Hemlata hai and term insurance me Policy Bazaar agent ne during filling the form Nominee ke 1st Name & Last name Dono jagah Hemlata Hemlata Kia tha aur ab Policy Bond Pr Nominee Name pr Hemlata Hemlata aa rha hai. jb Maine pucha to vo bol rha hai ki Single name nominee ka naam dono jagah same ata hai Is this true or I will ask for Correction from Hemlata Hemlata to Hemlata Pls answer

[@piyushkumar-vf5mx]

True

[@lakhibroken4294]

बहुत बहुत अच्छा तरह से समझाया मेम

[@sunnysaini3974]

Mam maine maxlife ki term insurance buy ki h and KYA YE MWP sign krwate h policy mai

[@rajeshkumarnaik7679]

Hindi may kaafi English mix ,,aur kafi speed may bat ki 100 percent samaj nahi aaya PLEASE

[@GvVv-vl9fc]

Thank you😎

[@bekifaayati]

Welcome 😊🙌

[@kumodyadav9904]

I buy HDFC term insurance is it right or wrong

[@indiaa007]

Online or offline

[@rrmuvies4k]

yess its wright

[@Avinash377]

The best

[@amanna3447]

Make a video - Acko Health Insurance with others?

[@sanjeetmishra5022]

Mam Maine watch kar liya video , ye bataye paramilitary forces counter insurgency opration me nahi rahne ki sthiti me cover milta hai

[@neerupal]

Hanji you want to buy any plan ?

[@sanjeetmishra5022]

@@neerupal mam aap bataye paramilitary forces ko on duty kon si company cover deti hai , usi me apply karna hai

[@Avinash377]

On duty koi cover nhi krti

[@gauravgiri6081]

What about Alcohol. ?????

[@yogeshkumarsahu3213]

Kya 15000 ki salary me term insurance max life ka nhii kra sakte

[@SurajChoudhary93]

Aap ne to Ditto se liya tha na ?

[@VDVault]

Where is the e insurance details?

[@dskushwaha]

IRDA customer centric नहीं बल्कि Insurance Companies के लिए ही काम करता है, मैंने तो Insurance के बारे में सोचना ही छोड़ दिया है

[@Avinash377]

IRDA CUSTOMER k liye work krta h bss aapki jakari theek ho

[@priyasrinivasan90]

Do u have video in English

[@pawzone4134]

how to check amount settlement ratio

[@Avinash377]

Cheak irda website

[@FitandFab007]

If I smoke 5 sticks in 2 months, then should I inform this at the time of taking insurance???

[@Avinash377]

Yes you should for future inconvenience

[@RahulsFitnesszone]

Thank you madam

[@jayantasanki1940]

Suppose ,mera 1cr Term insurance chahiye ok, 1cr 2 insurance company's se bay karna kitna sehi hoga???

[@ishaanjuneja1030]

LIC se Buy karo

[@yuvrajsingh6711]

LIC ka policy no 0955 policy ke bare me detail video banate to achha lagta ❤

[@bharath2508]

😮Seriously The decline of a medical claim must be made illegal and these insurance companies should be penalized for rejection of a claim.

[@nightdreamer_vs1305]

I am confused, I am a smoker and my salary is too low. My age is 26. What should I do?

[@healyou4243]

Bilkul

[@sagarladhwani4287]

Stop smoking dude 😂

[@nightdreamer_vs1305]

Tried many times, doesn't work. 😓😓

[@bekifaayati]

You will have to inform the Insurance Company while taking the policy

[@healyou4243]

@@nightdreamer_vs1305 chota amount lo 50 lakh -75 lakh....15 sal bad koi ni puchega ....4 crore ka claim hoga tou roka jata hai

[@ankurgautam5262]

Hello mam i m salaried person from up police and i want to buy a insurance plan Meri annual income 5 lac hai and mai chahta hu 20 se 25 sal bad mere pas ek achha amount ho to which plan is better for me jiski premium kam ho

[@marcusaureliusfanboy]

Hello sir, muje lagta hai aapko life insurance se savings nahi karni chaiye. Life insurance agar apko kuch ho gaya to aapki family ko support karta hai.

[@Avinash377]

If you still want i can guide you with plans according your needs

[@Vinodpandeyofficial]

1. MISTAKE#1 **E- Insurance Account**: Share it with your family is very important. 2. MISTAKE#2 **Sign MWP:** Married Women's Property Act. 3. MISTAKE#3 **Ideal Cover?** Life Insurance Amount = Current Annual Expenses × (65- Current Age) × 20 divide total by 7. (based on expense) 4. MISTAKE#4 **Claim Settlement Ratio vs Amount Settlement Ratio:** 5. MISTAKE#5 **Relying on Group Insurance:** Take a separate Term Insurance. 6. MISTAKE#6 **Smoking to be Declared or Not?** 7. MISTAKE#7 **IO-I5 Year Accelerated Plan:** choose normal plan. 8. MISTAKE#8 **Relying blindly on Agents/ Choosing Wrong Product.**

[@dineshkumarcompala]

Great video

[@bekifaayati]

Thank you 😊🙌

[@Puneetranjan88]

The formula is wrong. If decrease the inflation rate, then requirement of term insurance amount should decrease. But yaha to ulta hi hi raha hai.. 😂

[@jhamanasabhishek8672]

Arey didi Claim Rejection kyu hue wo batao... Title kuch aur content kuch aur bata rahi ho.... Insurance kaise lena hai wo kyu bata rahi ho?

[@bikkykumar5056]

Term insurance offline Lena right hota hai ya online

[@rrmuvies4k]

yess jyda trusted hota hai offline se.

[@Avinash377]

Yes offline is better option if you want i can help you

[@nitishbh89]

I was seriously listening untill an AD came …

[@manikangkanaborah290]

Kitni atchi tarah se max life ko promote kr diya😂

[@sanketpatil9472]

Why 20 and 7?

[@harishmohanty2622]

Plz don't speak about a particular insurance company/ policy , for awareness just give the best tips to customer so that he or she will not do mistake while choosing right term plan.

[@ronakraj7457]

Already all of them 😊

[@shreehonna5405]

Background music is very scary 😵‍💫

[@abdulmalek12000]

What meaning of amount settlement ratio 87% They not give full amount ?

[@bekifaayati]

Amount Settlement Ratio is the percentage of the total amount of claims received by the insurance company that is actually settled

[@Heisennburg]

If i smoke 2-3 cigarettes per week .. should i consider myself as a smoker ??

[@selfbelieversuryansh6534]

No, like take an example if you work all day in delhi in open it's like consuming 10 cegreetes a day😂

[@gandhamramakrishna1977]

Absolutely,,, even if you take 1 stick a weak,,, still you need to inform the insurance company

[@bekifaayati]

A term insurance applicant is categorized as a smoker if he/she has consumed tobacco in any form in the last 12 months.

[@kkww5034]

Term insurance is not for low income citizens as during claim they will scrutinized and go for ledgers accounting and rejects claims..kindly clarify on this who can take term insurance on which income slabs thank you

[@kkww5034]

Term insurance is not for low income citizens as during claim they will scrutinized and go for ledgers accounting and rejects claims..kindly clarify on this who can take term insurance on which income slabs thank you

[@Sanataniakash046]

Single name peoples how can enter thier name?

[@vikashroy1022]

To campany phir income barrier q a lagati hai or bolti h ki aapko 1 cr ka term plan Nhi mil sakta bcz your income is low 😢

[@bekifaayati]

Kyu ki Insurance Company aapka Risk Underwriting aapki Income, Education ke basis pe karti hai..

[@munnadubey9387]

Q​@@bekifaayati

[@si74958]

Aap Max life ke employee hain kya ?

[@amitkhanna802]

😂😂 lg ra h 😂😂

[@biswaranjankar1493]

Dnt buy Term plan from any private company as you can not say whether the Company will exist in next 10 to 40 years. In LIC, Sovereign Guarantee protects your money completely even if LIC does not exist in the future. Never run for discounts. It will cost heavily in the future.

[@Avinash377]

Bro IRDA Is responsible for your claim if that company exists or not

[@asgaralisiddiqui4047]

Thanks for content ☺️☺️☺️

[@bekifaayati]

Welcome 😊🙌

[@shubhamsingh-lq1pj]

Sharda university ....zindabaad

[@ascorpio9601]

I understand nothing.. thought u were good in explaining

[@awesomedreamer51265]

Max life is very bad

[@SSRealLifeVLOGS]

Wow video

[@RohanKiDuniya-qp5ir]

Sponsors video dnt buy ....😂😂😂

[@BhoomiVyas-gp5re]

Bajaj is better than MAX AS OF NOW !!

[@sonalimahakud1918]

Hey. Hope you have idea about these things. I need a help and suggestion which one will be better as a single mom.?

[@BhoomiVyas-gp5re]

U r mother is doing job ya self employed ? ​@@sonalimahakud1918

[@luckumathur7938]

Section 44 a hai 3 sal policy ho gai tou kuch matt karo

[@maheshchoudhary6976]

Section 45a ko defuse krne k liye aur bhi sections baney hai

[@bajrangbodake5451]

Max life की ऍड कर रहे हो ऐसा लग रहा है

[@debabratamajumder8920]

Ha ham sab salary premium mey da dey... matlab bekar videos banate...

[@shaktisinhparmarveersing8053]

थोडा आराम से ओर हिन्दी मे ज्यादा बोलिए तो लोगो को अच्छे से पता चले आज कल जहा देखो वाह इंग्लिश ही इंग्लिश हे ।इसलिये आराम से सम्जाइये

[@MrRonyabc]

#SEBI

[@htbites2311]

Stop such sponsored videos

[@BloggerrBoy]

Ola ❤

[@mathsgurubhupesh]

very bad insurance company

[@AmanAkhter887]

Mam pehle calculation toh sahi se kar lete

[@AshishKumar-qj6oi]

Whatsapp se sikh ker youtube pe jo vomit kere vo hote hai finances influencer

[@dhrubamn5506]

Apka awas bubu bubu bubu jyada hoowa to thik se samja nehi

[@shivamdiwakar7057]

😂 kuchh bhi

[@hair4ubydan919]

You are sooo Cute...😊😊

[@priyabanik896]

😂