Riders in Term Insurance *YOU MUST HAVE* | Types of Riders in Term Insurance | Gurleen Kaur Tikku

Many life insurance companies offer the option of adding more coverage to your term plan via riders.
In this video, we will discuss 4 Major Riders in Term Insurance :
1. Critical Illness Rider
2. Accidental Death Benefit Rider
3. Accidental Disability Rider
4. Waiver of Premium Rider
We have also discussed the Advantages & Disadvantages of Riders to help you choose between a Rider or a Standalone Policy.
WATCH THE VIDEO FOR MORE DETAILS :)
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#terminsurance #terminsuranceriders #gurleenkaurtikku
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 15 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised.

[@VinayDBajaj]

Was looking for something like this. Thanks a lot for the clear and concise explanation.

[@GurleenKaurTikku]

Glad it was helpful!

[@Pinkuparida-k1z]

@@GurleenKaurTikkumadam hospicare rider lenge ya health insurance lenge madam pls bataiye

[@shivkumarbagalur5772]

Mam, i have took term plan of HDFC 3D + and took accidental rider, paying since 3 years and i heard GST on premium only 1st and 2nd year but now GST collecting every year from me and how is the plan accordingly to you, i am a bank employee

[@rajeevratanshah6902]

Can u please suggest best individual CI policy for couples@age band 35-40

[@govindavarma1756]

Hello mam premium paying term kya rakhe?? Vo bataiye plz long term ya 5 years if I earned avgerage

[@sadikkpalliyalil7818]

Informative video. Thank you ma’am

[@GurleenKaurTikku]

Thank you :) KEEP WATCHING

[@kamleshpal8719]

Informative video.. I have a query should i include critical illness rider in term insurance ? Is it better to cover critical illness in health insurance? Plz clear doubt.

[@AmarnathBajpai-bb9rf]

Nicely explained

[@yogeshverma2579]

very important information thanks ma'am

[@GurleenKaurTikku]

Thanks, Keep watching !

[@abhi8823]

Informative thanks 🙏

[@GurleenKaurTikku]

Glad it was helpful!

[@ankushsuri199]

Icici ka Prudential term plan lana ho around 50 lakh to kam sa kam kitni class pass hona chaiya

[@aj_sgaming3613]

Ma'am make a separate video on detailed personal accident insurance

[@pavankumarchaudhari9580]

Nicely explained 👍🏻👍🏻

[@GurleenKaurTikku]

Thank you 🙂

[@chillbillu7745]

Wow wonderful knowledge

[@GurleenKaurTikku]

Thank you so much, keep watching 😊

[@amitkumar-rs2bh]

Maam company bina physical health verification kiye hi policy sold kr rhe hai kya ye sahi hai

[@chetanmahajan399]

Can one take two different personal accidental policies of different companies?? Will he get claim settlement from 2 different companies?

[@nileshkadu2725]

Lic Me 2 lack to 2.5 lack income rahegi to term plan kitne ka milega....?? Age 28 No Smokers/BP/sugar

[@kissmeu2000]

LIC Trem or HDFC life Term where to go ?

[@Amitsaini8494-k1t]

Waver of premium mein Accidental disability cover nahi karti insurance company

[@SnoopNakha]

Thank you so much

[@GurleenKaurTikku]

👍

[@vickysuper416]

Very well explained, Thank you. Just one question; if someone does not opts for accidental death rider, will the amount paid to nominee will be exact sum assured, in case of accidental death ?

[@prathameshkurade9667]

Yes you are right base sum assured will be given to beneficiary

[@innerview1906]

Hi I have taken policy from ICICI Pru I want to add critical illness add on they are saying not possible to add rider once policy issued can you please help me

[@GurleenKaurTikku]

Yes, not posssible

[@santoshsinghnegi5788]

Nice information vedio

[@GurleenKaurTikku]

Thank you !!

[@manjitgill100]

paying term kitna lena chiye

[@chandankumar-pu9ir]

How is bajaj etouch bajaj term insurance

[@mandarvaity2044]

Nice Video Ma'am plz. Made video on Critical Illness Policies

[@GurleenKaurTikku]

Thank you , we already have made a video on Critical Illness. Please check this link : kzbin.info/www/bejne/mKGQmWp8iZWVpqc

[@sureshaircel3754]

I buyed 1Cr term insurance of Company X in 2019, now in 2022 i want to buy term insurance of 1 or 2cr again, should I buy it from same company X or from other company ? Please provide pros an cons related to this, also problem faced by family at the time of claim, when 2 same or different company are there ?

[@GurleenKaurTikku]

It can be from same / different company, there will be no issues of any sort at the time of claim. Choose the policy that solves your purpose and as per your conviction.

[@DIVYANSHSINGH-nv9ic]

My favorite Gurleen mam ❤️

[@GurleenKaurTikku]

Thank you jee :)

[@anmolhans8676]

Hi mam Good evening I hve around 5 running niva bupa policies of my family just want to ask you a question I have base insurance policy with bank TPA of 5 lakh ..and I hve purchased additional top up niva bupa recharge 95 lakh with critical illness cover.. Mai ye jaan na chahta hu ki Kal ko agr critical cover Lena ho to mujhe lumpsum amount milega ya nahi Kahin niva bupa ye kehke mana to nahi kareinge ki apka base policy me critical cover add nahi hai? To top me bhi critical cover nahi milega

[@GurleenKaurTikku]

Critical illness insurance policy is independent of the base /super top up policy and can be bought separately

[@SnoopNakha]

Thank you

[@GurleenKaurTikku]

😊

[@rajukannaujia1052]

Mam make a video on the claim process of the online term insurance. Ex. Lic tech term , Tata Aia, max life

[@GurleenKaurTikku]

Sure, Thanks for the feedback ! We will try to bring a video soon 😊

[@NitishKumar-dh2rl]

Ma'am apne knse company ka term insurance liya h ??? can you suggest best company for d same... How much year one should buy the insurance 65 or 75??

[@GurleenKaurTikku]

Nitish jee, please connect with us on WhatsApp/Call at 9650706699 & share the basic details . Our team can assist you in choosing a suitable term insurance according to your needs. Thanks

[@mahendrapatil9382]

Maine home lon liya mam,,muze achha plan bato plz my age 42

[@ishantkumar2302]

Mam im very confused to choose which term life insurance place to choose lic or other brands

[@GurleenKaurTikku]

Please check our latest video where we have discussed about the TOP 5 term insurance companies according to the IRDAI Reports. LINK : kzbin.info/www/bejne/pp7IiY1vg9Fgl7s For any queries, you can connect with us on WhatsApp/Call at 9650706699. Thank you

[@guptabrijeshh]

Best Term Plan btayiye jisme terminal illness and waver of primium bhi include ho.

[@nikhilmishra5383]

Max insurance me hai ek aisa check karlo

[@Atharv2ved]

Mam mene pnb MetLife ki policy li Hui usme parmanent disability rider liya hua ab or rider add Karn chahta hun to ab rider add ho sakte h

[@GurleenKaurTikku]

Nahin jee, ab add nahin ho payenge

[@Atharv2ved]

@@GurleenKaurTikku thank you

[@NairaMishra]

Somebody want to add rider in the policy contact me but only for Tata Aia life insurance i am Advisor and agent both

[@shubhamsachan6419]

Ma'am which term life insurance will be better lic tech term plan or HDFC term life insurance or Tata AIG??

[@GurleenKaurTikku]

Hi, you can get in get in touch with our team on WhatsApp at 9650706699 or 9810458605 & we can help you choose a suitable plan according to your requirements. Thanks

[@swastikjaiswal7870]

Pls suggest what is best rider we can add..first I dislike but after watching bloopers , I liked your video..

[@GurleenKaurTikku]

Thank you 😊 For any queries on riders, connect with us on WhatsApp/Call at 9650706699. Our team will be happy to assist you

[@designiartsupport1201]

agar hum ne accidental rider add nahi kiya and humari death accicent se hoti hai to is case mai kya hoto baki ke jo 50 lakhs hai wo milte hai family ko..??

[@mukeshcr1891]

Yes

[@zafaralig]

helpful

[@GurleenKaurTikku]

Glad to hear that !

[@SantoshPatil-lv2of]

Mam Bajaj Allianz ka FIG plan ko Explain video kijiye.

[@GurleenKaurTikku]

Noted ✅ Thanks for the suggestion 😊

[@manishbhatia3969]

Is paralysis covered in accidental disability

[@anantjain6625]

Plz comments

[@vjj6258]

Ma'am, kya main multiple term insurance khareed saktha hu jaise 1cr Max, 1cr HDFC, 50L dusre se? Ya phir ek hi company se lena sahi rahega

[@NairaMishra]

Ye apki human life value pr depend krta h

[@rohitjadhav-th2bt]

My annual income is 6 lakh and my age is 25 so I have decided to take a term insurance of max life of 1 crore, how much critical illness rider should I take? Please reply me 🙏

[@GurleenKaurTikku]

You can connect with us on WhatsApp/Call at 9650706699 Our team can assist you. Thank you !

[@arjunchauhan8322]

Ma'am kon kon se documents chahiye term insurance lene ke liye. Or itr must hona chahiye term insurance lene ke liye. Ya without itr term insurance le sakte hai. Or medical fitness report bhi dena hota iske liye. Or agar mujhe HDFC ka term insurance lena hai toh. Best option kon sa hoga. Direct HDFC insurance se contect karu ya fir policy bazaar se term insurance buy karna sahi hoga. Please jarur bataye. Thank you so much for your all videos. 👍

[@GurleenKaurTikku]

Arjun, I will suggest to go through the below video, it will answer all your questions - kzbin.info/www/bejne/mYjEpJWCmdaad8k Also, buying directly or through aggregator/ agent is a personal choice.

[@arjunchauhan8322]

@@GurleenKaurTikku thank you so much ma'am 👍

[@arjunchauhan8322]

Ma'am term insurance par bank loan provide karta hai. Ya fir kon sa insurance best hoga jisse life cover bhi mile. Or bank se loan bhi instantly mil jaye. Please help me

[@GurleenKaurTikku]

Not possible

[@arjunchauhan8322]

@@GurleenKaurTikku ma'am fir kon sa insurance lene par loan mil sakta hai

[@indrajitghosh4733]

Mam I am 27 yrs old...I want to buy term plan for 70 yrs. Which is better for me regular term plan or zero cost term plan?

[@GurleenKaurTikku]

kzbin.info/www/bejne/Z17bZqp_mJJ3a9E Please check this video and decide

[@steverodger9009]

If a person has a 1 cr term insurance without opting for "accidental riders benefit" and he dies in an accident. In that case, will the insurer company pay the insure amount of 1cr to that person? Please reply.

[@nihalgupta2723]

Yes definitely but if he takes accidental rider than company will pay 1Cr+ how much he takes as accident rider

[@OishikSarkargplus]

Tikku Ji, please make a video on Cancer Insurance.

[@GurleenKaurTikku]

We have reviewed LIC Cancer Cover on our channel. Please check this link : kzbin.info/www/bejne/f3_Rnp6JgdWil8U Thanks

[@maheshyadav4045]

Mam...i m 24yrs old... Want to buy a term insurance covering me fr 75yrs....should i go for regular pay or limited pay?

[@GurleenKaurTikku]

Go for regular pay

[@ankushpatil6688]

@@GurleenKaurTikku monthly or yearly

[@pardeepsharma-dt6mk]

Madam plz replyyyyyyyyyyyyyyyyyyyyyyyyyyyyy : kya tarm insurance main rider lena chaiye ya nahi riser main be critical illness Lena chaiye ya tarminal illness lena chaiye, plz reply to my question

[@GurleenKaurTikku]

you can take a separate critical illness plan as more no. of illnesses will be covered.

[@GauravRai149209]

Can Term Plan with Critical Illness cover be claimed under Section 80D for tax benefits ? Can I claim full premium amount under 80D or just the amount paid extra for critical illness rider?

[@NairaMishra]

Yes but maximum limit is 25k upto

[@mummaskitchen7495]

Mem mera Hdfc ka health policy hai 9 years ke baad mera by pass surgery hua hai to kya mujhe koun si company ka Raider lena chahiye please reply me kiyu ki meine Hdfc mei call kia tha after surgery to unhone rider dene ke liye mana kar diya tha to mem jab meine policy liya to Mujhe koi problem nahi tha but achanak Mujhe by pass surgery hua hai to company Rider ke liye mana kar di ab mei kya kru Please suggest kijiye na

[@NairaMishra]

Not eligible ho aap

[@rasmirana8159]

Niva bupa nahi sahi he 37 me ra claim prosse me he no reply.

[@rasmirana8159]

Kucha help kariye

[@manmeetsingh3210]

Please cover a video on LIC dhan sanchay!! Is it good And details of policy

[@GurleenKaurTikku]

Thanks for the video suggestion :) Will shoot a video soon & share the details

[@shrikantbaral3982]

Any personal accident plan link is there

[@GurleenKaurTikku]

You can connect with us on WhatsApp/Call at 9650706699. Our team can assist you in choosing a suitable insurance plan.

[@hemantchaturvedi3211]

Can critical illness rider be added to existing term insurance policy

[@GurleenKaurTikku]

Can't be added

[@pankajbhandari9070]

Can we remove riders in lookup period of term insurance policy?

[@GurleenKaurTikku]

No, you can't. You can only cancel the policy and apply again if you want to without riders.

[@pankajbhandari9070]

@@GurleenKaurTikku Thanks gurleen, but I checked in my HDFC policy. It is written there that we can cancel rider in lookup period. But can't add riders.

[@maheshfitcoach889]

मेम क्या कभी क्लेम आता हे तब बीमा कंपनी हमारे अज्युकेशन के कोई डॉक्यूमेंट भी माँगती हे क्या जिनका बीमा हे उनके

[@GurleenKaurTikku]

Jee, Maang sakti hain

[@vikashkumar-sh2ft]

Can I take 2 different term insurance plan?

[@GurleenKaurTikku]

Yes, you can

[@aj_sgaming3613]

Ma'am it is good to choose limited premium or shall we go with regular ?? Any advantages in regular

[@GurleenKaurTikku]

kzbin.info/www/bejne/pGGXq3ywrdGbZsk You can check this video for limited vs regular pay in term insurance, you will get your answer

[@user-si6gz9mb7w]

Please claims rejection details pe video banaye

[@GurleenKaurTikku]

jee, thank you for the video suggestion. We will bring up a video soon !

[@ScamAlert1001]

terminal Illness?

[@ashutoshkumar4565]

riders critical illness, accidental disability ka amount kitna hona chahiye?

[@NairaMishra]

Depend on base policy

[@SMPFinserv2023]

NRI HOW NEED TO TAKE...I AM WORKING SAUDHI ARABIA

[@GurleenKaurTikku]

Hello Sir, Currently term insurance can be offered to NRIs when they are on their visit to India.

[@dhaneswargamango7986]

Can I add riders after 3 years ???

[@GurleenKaurTikku]

You can buy a health insurance rider at the time of purchasing your base policy.

[@NairaMishra]

Yes

[@user-lw8ij4hg2i]

बिना इनकम proof दिए मैं एलआईसी मैं कितने की पॉलिसी buy कर सकता हू

[@kaub7176]

0

[@RohitSingh019]

This rider are not paying double in Max, Tata, and few other Only HDFC is providing this rider

[@NairaMishra]

If you have Tata policy it can be possible I'll help you bcz I am working on tata aia

[@dasnilavo6111]

***Madam koi admi agar accidentally Pani Mai dub ke mar jata hai .too use accidental coverage milega?***

[@NairaMishra]

Nhi

[@maheshkumarpatidar786]

आप सभी टर्म के बारे मे बताते है पर कौन सा सबसे अच्छी बात क्या होती होती है ये नही बताते है

[@czarchief3303]

Bloopers bhi cut krk daale h 😅

[@GurleenKaurTikku]

😅

[@chetanmahajan399]

Can one take two different personal accidental policies of different companies?? Will he get claim settlement from 2 different companies?

[@NairaMishra]

Yes you can