TIPS FOR BUYING LIFE INSURANCE POLICY IN 2018

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Life Insurance लेने से पहले जाने 10 महत्वपूर्ण बातें

Life Insurance

Tips for buying Life Insurance Policy in Hindi

Life Insurance लेने से पहले जाने 10 महत्वपूर्ण बातें

Koi bhi financial planning Bina

Life insurance policy

complete nahi ho sakti to yaadi aap bhi apni financial planning kar rahe ya fir Bhavishya Mein Karenge to Life Insurance ke baare mein kuch mahatvapurna Baatein Jaan Lena uchit Hoga Yeh Baat main aap ko Apne experience ki basis par bata raha hoon.

Aaj Bazar mein 20 Se Jyada Life Insurance Company  maujood Hai. vikalp Ki Koi Kami nahi hai. koi bhi TV channel Lagaye Koi Na Koi insurance company ka prachar Dikh hi Jayega. Koi children plans bech raha hai to Koi pension plan ke liye lubha raha hai aise Mein yadi aap confuse Hote Hain Ki konsa plan Le Toh isme aap ki koi Galti nahi hai.

kis Aadmi Ke Liye konsa plan sahi hai yeh Kai Baaton par nirbhar Karta Hai. jaise ki woh life ki kis stage pe hai , uski jimmedariyan  kya kya hai. Ek 25 saal ke navyuvak aur Ek 40 saal ke vyakti ki jaruratein alag alag houngi aur UN ke uddeshya alag alag honge.

kuch Baatein aisi hai jo Kisi bhi life insurance policy ko Dhyan mein rakh kar lena chahiye.

Tax bachana chahte hain to ise padhein HOW TO SAVE TAX.

Aaj Mai PrakashDwivediofficial.com par aisi hai kuch baat hai aapse share karunga.

pehle janiye ki aap ke paas kitne ka Life Insurance hona chahiye ,  Yahan kitne se mera matlab premium se nahi balki insurance policy ke  sum assured Se Hai.Yeh wo dhan Hai Jo vyakti ki Mrityu par Uske Parivaar Walo Ko Milta Hai.

Thumb Rule says ki ek Saman vyakti ke paas Apne salana kamai ka 10 se 12 guna insurance policy hona chahiye. for example yadi aap ki salana kamai 5lakh hai toh aapke paas 50-60 lakh ka

Life Insurance policy

hona chahiye Uske Piche ka logic Yeh Hai Ki mrityu Hoti Hai To Uske Parivaar Ko Ek Must Itna Paisa Mil Jaye ki yadi use kahin surakshit Jama kar diya jaye to uska interest vyakti ki salana kamai Ke Aas Paas ho aur Parivar par koi arthik sankat na aane paye.

 

इन्हें भी ज़रूर पढ़ें:

 

kam age mein hi kara le insurance:

jaise jaise agr badhti hai vaise vaise usi insurance amount ke liye companies jada premium charge karti hain. to behtar hoga ki aap kam age mein hi  Life Insurance kara le.ye jahir si baat hai ki shuru mein admi ki income kuch kam hoti hai isilie ap apne budget ke hisab se policy lein aur jaise jaise income badhe waise waise new policy lekar apna Life Insurance cover badhaiyye

 

Life Insurance ko kisi uddheshya se jodkar dekhein :

jab kisi policy ke sath ap koi uddeshya jod dete hain to wo ek kagaj ke tukde se badhkar ho jati hai aise mein is policy ke lapse hone ki chances bhi kam ho jate hain. apke pas use regularly chalane ki ek wajah bhi hoti hai.

Unit Linked Insurance Plans ho sakte hain ek achha option:

yadi ap apne paison ko jada dino ke lie ( Minimum 5 Years) nivesh karna chahte hain , us paise par tax benifit chahte hain ,  Life Insurance Cover chahte hain aur sath hi sath ek achha returnt bhi chahte hain to ULIP ek bahut hi achha option hai.

ULIP mein funds ke bhi kai sare option maujood hote hain, fund ka chunav ap advisor pe na chode , balki kisi jankar vyakti se salah le sakte hain aur apni jarurat ke hisab se hi policy chune.

sahi policy chunne ke lie sahi website ka chunav karein :

internet pe bahut si websites hain jinpar ap plan ko compare karke apne anusar policy ka chunav kar sakte hain.

Policy khareedne ke lie internet ka istemal karein :

jyadatar log life insurance kisi agent ya advisor ke madhyam se lete hain par yadi aap chahein to internet pe us company klis website pe jakr online puri scheme ke barein mein padh lein aur aopni avashyakatanusar pol.icy choose kar lein. is baat ka khas khayal rakkhein ki premium ka payment cheque ke dwara hi karein.

Insurance company ko sahi jankari dein :

Life Insurance ka ek principle hota hai , “Principle of Utmost Good Faith” jiske mutabik company aur grahak dono ko hi ek dusre ko sahi jankari deni hotti hai. For Example : yadi kisi ko diabetes hai aur wo application form mein is baat ko nahi batata hai aur kuch hi warshon mein uski mrityu ko jati hai to uske parivar walon ko insurable amount ni milegi.isilie jaruri hai ki ap life insurance company ko sahi jankari dein. behtar hoga ki ap itminan se baithkar khud apne samne hi poora form bharein ya bharwayein aur uski photocopy apne paas rakkhein.

lubhawne wadon pe na jayein :

yadi koi bhi apse is tarah ka wayada karta hai ki wo apka paise ko teen saal mein dugna kar dega to aise wyakti se kabhi bhi policy mat karwaiyye. IRDA ke niyam ke hisab se koi bhi  life insurance company apko 10%  se jada ke hisaab se returnt nahi dikha sakti hai , yadi koi apko bhramit kar raha ho to sawdhaan ho jaiyye.ye ho sakta hai ki o\company ne pehle kabhi abnormal growth di ho par aise hamesha hoga is baat ki koi guarrenty nahi hai.

Free Look Period ka labh uthayein :

aap policy document prapt karne ke 15 din ke ander apni policy wapas kar sakte hain to yadi apne galti se bhi koi policy le li ho to bhi koi bat nahi hai. aap use wapas karke apne paise le sakte hain ya fir use kisi aur plan mein convert kara sakte hain.

Rider jarur lagwayein:

kisi bhi policy ke sath ap kuch additional coverage  ya riders attach kara sakte hain. For Example :  Accident Death Benefit (ADB), Critical Illness (CI)rider. Rider lagwane mein bahut kam kharch ata hai .aap 1 lakh ka ADB rider matra 100 extra dekar lagwa sakte hain.jisse kisi durghatna mein mrityu hone par nomini ko insurance rashi ki dugna rashi dey hogi.

chanyawaad.

🙂

इन्हें भी ज़रूर पढ़ें:

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