Term Insurance With or Without RETURN OF PREMIUM ? 🤔 | With Excel Calculation | Gurleen Kaur Tikku

The difference between a Term Insurance policy and a Term Insurance with return of premium (TROP) becomes apparent is when the policy matures.
At the time of maturity the insurer will return the entire premium paid by the policyholder towards the policy.
But is it always beneficial to choose the option of Return of Premium on Term Insurance?
In this video, we have explained the concept of Term Insurance with ROP & Without ROP with easy to understand excel calculations.
WATCH OUR VIDEO FOR MORE DETAILS :)
✅ To buy insurance policies, click here - hareepatti.com/contact-us/
✅ EXCEL SHEET : docs.google.com/spreadsheets/...
--------------------------------------------------------------------------------------------
✅ TIME STAMPS :-
0:00 Introduction of Return of Premiums
0:15 Example of With or Without ROP
2:26 Excel Calculations
5:46 SIP Investment Calculation
8:51 Without Return of Premium & SIP
9:17 Internal Rate of Return Calculation
10:30 Conclusion
--------------------------------------------------------------------------------------------
For any queries:
📲 WhatsApp : wa.me/message/VJCYEKX3EWHOE1
📞 Call : 9650706699
💌 Mail us at: [e-mail]
--------------------------------------------------------------------------------------------
You can also reach out to us on our Social Media:
📸 Instagram: / gurleentikku
/ hareepatti
🎬 Facebook: / hareepatti
👩🏼‍🏫 LinkedIn: / gurleenkaur
🐦 Twitter: / gurleen011
✍🏻 Website: hareepatti.com
Do SUBSCRIBE to our channel for more such informative videos:
/ gurleenkaurtikku
--------------------------------------------------------------------------------------------
term insurance , term insurance in india , life insurance 2022 , term insurance with Return of Premiums , return of premiums , easy excel calculations , term insurance cover , return of premiums on insurance , insurance agent india , financial planning , systematic investment plan , SIP in india , investment in SIP , life insurance FAQ , personal finance , insurance agent , gurleen kaur tikku , TROP , life insurance premiums , term insurance hindi , life insurance hindi , best term insurance , financial advisor , hareepatti
#terminsurance #returnofpremiums #gurleenkaurtikku
--------------------------------------------------------------------------------------------
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 17 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.

[@shubhamprajapati7822]

Thank you ma’am very helpful video and it changed the perspective about how should we plan the correct term insurance for us.

[@GurleenKaurTikku]

Glad ! Thank you & Keep Watching 😊

[@varundubey007]

हमे इस तरह के वीडियो का बहुत इंतजार था

[@arijitkumardasgupta385]

Excellent demonstration…..Thanks for sharing in such a detailed manner.This will help us for sure for opting the right choice

[@GurleenKaurTikku]

Thank you so much, keep watching !

[@BALVINDER-Singh]

​@@GurleenKaurTikkuMam please make a video on the 10 year plan.

[@rajeshghosh7237]

Excellent Excellent Excellent calculation Mam. Very positive n realistic thought. 🙏

[@GurleenKaurTikku]

Thanks jee, I am glad you found it useful :)

[@physicsbyamitpandey3989]

Informative video with perfect explanation. Being a physics teacher i am impressed with your explanation technique

[@neetikasingh3554]

Such an informative video. Much needed! Thanks

[@GurleenKaurTikku]

Thank you so much ! Keep Watching 😊

[@AjitKumar-fl7du]

Very informative , this is what the confusion everyone has , even I always regret why I didn't opt for a return term policy. Thanks it changed mindset.

[@GurleenKaurTikku]

Glad it was helpful 😊 Keep Watching !

[@mustangblazer76]

Only time a return of premium works if we pay the premium in lumpsum upfront

[@milindchaudhari9637]

Very good information madam

[@SameerShaikh-uz3bf]

Very very useful information & explained in very systematic laymen way to take correct decision before taking term insurance. Keep growing. Thank you......

[@prashmitsingh72]

This was my first video which made me subscribe ☺️ Awesome information 🙂

[@aqibsohail6303]

Excellent explanation Madam , Great work keep up the good work. God bless you 😊

[@GurleenKaurTikku]

Thanks a lot 😊

[@amit673]

amazing content, indeed useful and informative.. please keep up the good work

[@GurleenKaurTikku]

Thank you, keep watching !

[@asmigupta6249]

Excellent eye opening view......simply fantastic

[@GurleenKaurTikku]

Glad you think so, keep watching !

[@sonukaneriya]

Apne confusion door kar diya ...thank you so much ma'am...ab finally me le raha hu insurance ❤️..

[@GurleenKaurTikku]

Glad that we were able to help you, Thank you so much, Keep Watching 😊

[@NitishKumar-nv4xx]

Very helpful 😍 and great example with excel . Thank you very much

[@GurleenKaurTikku]

Glad it was helpful, keep watching !

[@AMITSINGH-zh1wy]

Maam thank you so much and maam kya rider add karna sahi hai and same sip ker liya jai

[@jag124100]

Wonderful calculation... Really helps

[@GurleenKaurTikku]

Thank you so much !

[@shaileshmaheshwari3771]

Wonderful explanation which normally no one does

[@GurleenKaurTikku]

Thank you so much !

[@KG2_V]

Loved it, thank you.

[@sudheergupta397]

eye-opening video, thank you !

[@GurleenKaurTikku]

Glad, Thank you so much. Keep Watching !

[@amitadarji1033]

WOW.. it was so amazing. thanks Mam.. Keep making this type of Insurance Video. it is very helpful for us.

[@GurleenKaurTikku]

Sure, Thank you & keep watching !

[@devendranegi1860]

I watched yr vedio today.all r very helpful..now i am yr subcriber.

[@GurleenKaurTikku]

Thanks a lot 😊 Keep watching !

[@ShivamSingh-xh2xt]

Mam you explain so nicely..thank u very much..

[@GurleenKaurTikku]

Thank you jee, keep watching & do Subscribe !

[@RelaxationStation-xj4im]

Very informative and effective plan! Much needed.

[@GurleenKaurTikku]

Glad it was helpful, keep watching !

[@SekharManna-hx2dl]

Great explanation... Thank you Got very good knowledge of being a banker

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@samboy180]

Thanks for this informative video. It was helpful for me

[@GurleenKaurTikku]

Glad it was helpful!

[@suju_anna]

Hi Maam, Very useful Video. the SIP idea is also very good. Thanks

[@GurleenKaurTikku]

Thank you, keep watching !!

[@venkatesh4715]

Excellent Video, very useful!

[@GurleenKaurTikku]

Glad it was helpful, keep watching 😊

[@Dhruvpatel-ud1dx]

Thank you for very informative content. 👍👍

[@GurleenKaurTikku]

Thank you jee, keep watching 😊

[@PranjithP]

So, better is to take a term insurance and start an SIP instead of Endowment plan. right?

[@SehrawatJaat007]

Can you please let me know if LIC provides both or from where both term insurance and sip can be purchased for the same sum i.e 1 cr?

[@mohammadsaleem5803]

this is very superb video... very very informative.

[@GurleenKaurTikku]

Glad you liked it, Thank you !

[@mithunharikumar2979]

This video is a perfect guide madam.. Thankyou very much🙏

[@GurleenKaurTikku]

Glad it was helpful, keep watching !

[@mithunharikumar2979]

@@GurleenKaurTikku Dear Madam.. Can you please share your or your clients personal claim experience from Care supreme health insurence plan? I seen many negative reviews from customers about claim rejection.. Currenty iam using Care supreme plan.. After seen these comments iam thinking to port to any other company.. Is it a good decision madam? Is they reject claims for minute reasons? What is the experience of your customers from care health on claim time?

[@crazydiamond91]

Thank you. Very informative 👍

[@GurleenKaurTikku]

Glad it was helpful!

[@pradiptarouth994]

I have done the same calculation .. I totally agree with you .. Thank you

[@GurleenKaurTikku]

Great 👍 keep watching !

[@Auto-Baat]

Which one is taking beneficial

[@abhiadsul6538]

Very well explained mam, thankyou 👍

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@sunilkumardas8865]

Very Good Calculation Ma'am, Picture Clear

[@GurleenKaurTikku]

Thank you jee, keep watching for more such informative content 😊

[@laxsundar]

Thank U SO much mem Tension khatam Kar Di Aapne👍🤘🙏🙏

[@GurleenKaurTikku]

Glad, thank you so much !

[@bhushanshinde5718]

Thanks maam...very useful video..👍🙏

[@GurleenKaurTikku]

Thank you jee, Keep Watching !

[@karanisinghrathore5415]

Ma'am SIP mein lgaya amt. return ki kya guarantee h k 30 years bad milega ya nahi.

[@DeepakThakur-nl2tb]

Great video mam very well done informative details share thank you so mach g

[@GurleenKaurTikku]

Thank you , Keep Watching 😊

[@jayantasanki1940]

Thanks ....It's very helpful video for me🙂

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@nidhigoel1463]

The information given by you is very useful, please take the policy on Limited pay option or without

[@GurleenKaurTikku]

Thank you so much !

[@rajkumaraddu]

Thanks bro.. Really useful for me..

[@GurleenKaurTikku]

Thank you so much , keep watching !

[@kp06bharatpur]

Difference between tata AIA hospicare rider and health insurance? Plz

[@sanjeev3013ify]

Very nice information. ma'am thank you much

[@GurleenKaurTikku]

Thank you, keep watching !

[@javedshekh8062]

Thank you so much jankari ke liye

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@amrutgholkar7252]

Very useful information!

[@GurleenKaurTikku]

Glad it was helpful !

[@cosmopolitannomads1435]

thank you mam for clearing my doubts

[@GurleenKaurTikku]

Glad to hear that, keep watching & do Subscribe for more such informative content !

[@nazimansari2152]

Thank you very helpful ideas

[@GurleenKaurTikku]

Glad it was helpful!

[@dipakpatil8729]

Very nice informative video mam.

[@GurleenKaurTikku]

Thank you so much !

[@ka24fitness]

THANKU MAM AMAZING INFORMATION

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@pascalfernandes6912]

thanks for your efforts madam definitely going for without rop.

[@GurleenKaurTikku]

Most welcome 😊 Keep Watching !

[@drshwetawakchaure8284]

Really helpful, great

[@GurleenKaurTikku]

Glad it was helpful!

[@user-ci8yg8em8n]

great mam....thanks for clarity.....

[@GurleenKaurTikku]

Keep watching

[@bhanuprakashsharma5597]

Awesome knowledge thankyou

[@GurleenKaurTikku]

Thank you, keep watching !

[@sandipbeed]

Thanks for detailed info..

[@GurleenKaurTikku]

Glad it was helpful!

[@ajits6057]

Great explanation and good oratory skill

[@GurleenKaurTikku]

Glad you liked it ! Keep Watching !!

[@painandgain6972]

Maam good evening Please tell 10 pass person keliya konsi term insurance best please answer

[@manojchy4186]

Great video great information thanks great mam

[@GurleenKaurTikku]

Thank you so much !

[@santoshsabat7601]

I have taken HDFC click to protect with rider, so can I take another waive off those rider while renewal

[@vicky842]

Perfect!!

[@jagdishchamat9567]

Very well explained Mam.

[@GurleenKaurTikku]

Thank you so much , keep watching !

[@pradeepmane518]

Konse company ka term plan Lena acha rahega

[@darshanbhatt3946]

Very well explained.

[@GurleenKaurTikku]

Glad it was helpful!

[@RBPANDEY24]

Special thanks my doubts clear ho gaya

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@sandeepgulati5326]

👏👏very informative video

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@mushtaquemuqtarahemadhashm5826]

So much fun with vedeos

[@Mahtab1986]

Good informative video, but hv alraedy taken ROP fm hdfc bank, now how to change with pure term policy

[@vijayrao9080]

Very nice and helpful video

[@GurleenKaurTikku]

Glad you liked it, keep watching !

[@AvinashKumar-wm4nn]

Jo ve sip hoga usme too compounding interest ve too ade hoga Mam apne isme add nai key

[@NareshKumar-nc3dc]

How to calculate irr for with rop policy y What is irr formula

[@manojkumar-lp4qs]

Ma'am, I had purchased iciciprudential iprotect smart via policy bazar, They given me 1 crore term insurance with 34 critical illness cover of 12 lakhs. I m paying premium on regular basis till date. I had undergone angiography and bypass surgery in govt hospital and want to avail the health insurance claim but company i.e. iciciprudential denying by saying that your riders are not reflecting in their system. But the policy documents given to me reflecting the riders cover in three different places in policy document and I was also clearly mentioned during policy purchase by policy bazar I am given by the following policy benefits. Now they are delaying by saying that they are working on the same issue. What should I do now. Please suggest.

[@dhruvtamang8413]

Nice information

[@mukulkumarburman1392]

Fantastic explanation

[@GurleenKaurTikku]

Glad it was helpful, keep watching !

[@sudarshannayak3834]

Ma'am i have already taken pnb MetLife term plan with ROP. Sum assured is 50lakh..paying premium of 16300.. now I feel it is inadequate...not a good plan. what can I do? Please help

[@amolkokate5706]

Is it ok to go with sip policy with term life insurance?

[@aniruddhghatage3257]

very well explained👏

[@GurleenKaurTikku]

Thank you jee 😊

[@mangeshkamble6845]

Term online buy kare policy bazar se ya direct company se online or offline ?

[@manishrathor6925]

Thank you so much.

[@GurleenKaurTikku]

Thank you jee, keep watching !!

[@axaypatra1208]

Awasome vedio...

[@GurleenKaurTikku]

Thank you

[@65765765765765765765]

Hi maam, wanted to know about pb partner. Is there any difference between pb partner and agents? Looking forward to hear from you.

[@GurleenKaurTikku]

Insurance agents are direct agents with the insurance company and PB partners are sub brokers of Policy bazaar

[@bhartarinathkene6509]

प्रभावीपणे सांगितले धन्यवाद

[@GurleenKaurTikku]

Thank you, keep watching !

[@satyendrasingh02558]

Max life term policy li hai mam 50 lac sum assured ke sath with ppt of 10 years policy covers 74years tak with out rop please suggest me about my desicion...... please

[@syedfarukhaider1330]

Annual amount invested in SIP was 14,466 but you add the other other 14,000 used for term insurance and used the total sum of 28,000 to calculate the return after 30 years. WHY?

[@pankajadkure7015]

thanks... I will continue without my return-of-premium term-plan.

[@GurleenKaurTikku]

😊 Great !

[@Freeky27]

Good suggestion 😊

[@GurleenKaurTikku]

Thank you , keep watching !

[@user-fb1io5qs6n]

Its wonderful anology, I love it.. Thank you.can you provide edit option to customize and see various options, 422K will go in without R.O.P but which not make any diferrence unless we invest in SIP.

[@GurleenKaurTikku]

Thank you so much jee ! Keep Watching !

[@dineshtanwar3460]

Mam, u r correct...

[@GurleenKaurTikku]

Thank you !

[@promodgiri3958]

Nice 👍 very helpful

[@GurleenKaurTikku]

Thank you so much jee, keep watching

[@UmeshKumar-ff8cs]

Thank you so much for as usual once again, can you please advise best term in insurance and term insurance for NRE, currently

[@GurleenKaurTikku]

Glad 😊 Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options.

[@illuminati6590]

ICICI pru ipotact ROP plan term plan he kya baat do pless kal ho liya he

[@prashantdjsoundsystem9882]

Very helpful mam

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@dhananjaywakade9025]

Great information

[@GurleenKaurTikku]

Glad it was helpful!

[@musicdance8313]

Ma'am thank you for your guidance.. Want to know better investment options in Mutual funds SIP with Term plan without return of premium..

[@GurleenKaurTikku]

Please connect with us on WhatsApp/Call at 9650706699 Our team will be happy to assist you. Thank you !

[@jagdishchamat9567]

What is your thoughts on putting 28000/- in SIP? At least will get the some good returns

[@gopinathnaik4504]

Mam Please make a vedio ulip term plan, like max smart flexi protection solution

[@AMITKUMAR-ld2vg]

Very good information

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@user-se4uo4gk5g]

Very good suggestion madam

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@sarikakhandelwal598]

Thanks mam for good video

[@GurleenKaurTikku]

Keep watching 😊

[@bisweswardash5817]

Maim, lic ka pension plan jivan umang -945 ki comparison kon sa policy ya best kuch he kya... Please guide karna maim,, tnx

[@GurleenKaurTikku]

Hello jee, please connect with us on WhatsApp at 9650706699. Our team can guide you 😊

[@bisweswardash5817]

Thanks maim,