Topic: Best term Insurance?Kindly Suggest

Hi,
I am looking for the best term Insurance policy. I am 28 years old and planning to take a term insurance for 40 lk Kindly suggest?

1)I have shortlisted LIC Jeevan Amolya and SBI Shart shield? Kindly suggest which is better?
2) Jeevan Amolya has 35 years of cover where as SBI has 30 years of cover so which one should opt for as LIC is costlier to SBI in terms of premium?
3) Riders like
i)SBI Life - Accidental Death Benefit Rider (UIN: 111B015V01)
ii)SBI Life-Accidental Total & Permanent Disability Benefit Rider (UIN: 111B016V01)
iii)Accelerated Critical Illness Benefit

Can be added in SBI are all these ridder covered in LIC jeevan Amolya. Kindly suggest if it is worth taking these ridder also…

Hi,

Best term insurance is one which would give you maximum coverage with minimum premium. Have you thought about iProtect from the ICICI Prudential stable. They have a policy term of 25 years and they give a coverage of Rs 50,00,000 for a premium of Rs. 5,600 per annum!.

Hope this helps!

I too have the same doubt which is better LIC Jeevan Amolya or SBI Shart shield? I dont prefer private companies as i feel their future in term of 15 to 25 years might be uncertain and i dont want to take a risk...
So somebody help me in selecting between LIC Jeevan Amolya or SBI Shart shield?

We all know that life is very unpredictable and there is a lot of truth to that saying. People buy health insurance for different reasons. With medical expenses going higher every day and inadequate support from the government, it is important to go for health insurance to take. Failure to have health insurance can be a life threatening decision in some cases down the road.

I think iProtect from the ICICI prudential life insurance stable is the best term insurance plan!

Best Term Policy Is SBI LIFE

for deatil

mail me

gulzar.ahmed@sbi-life.com

As long as you are taking a term policy you are on the right track. Even if you go wrong its not going to affect you much. But its always good to compare few policies and choose the best.

Try to compare the premium of jeevan amolya with the premium of SBI shield with all riders and see which is better. If premiums are more or less equal or within 10% difference and assuming all things are equal jeevan amolya's 35 year term looks good because its 5 years longer than SBI' s policy.

I have gone through the brochures of several of thelife insurance plans to find the best solution for self. And found kotak mahindra life insurance as a best solution for me. check it out.

Do check Aegon religare's term plan offering - iTerm. I think its one of the cheapest out there and makes for an attractive choice. You can get a life cover of Rs. 1 cr for a premium as low as 8K. You may want to check their website for the plan offerings and buy it. I got my policy done in 10 minutes.

Hi, are you looking for an individual or family term plan? Why don’t you look at other good offers provided by Future Generali. They provide both the plans with good benefits like discount on premium for higher sum assured, death benefits etc. There are additional riders that you can avail like –

1. Accident Death Rider: - as the term suggests the nominee is paid an additional amount apart from the sum assured in case the of death due to accident.
2. Critical illness;- Under this benefit amount equal to Sum Assured selected is paid on diagnosis of illness like Cancer, Stroke, Kidney Failure, Heart attack, Coronary Artery Bypass Graft Surgery, Major Organ Transplant.

There are other riders like Term Assurance, Accidental Total & Permanent Disability, Waiver of Premium on Disability, Life Guardian etc. Insuring yourself with the term insurance riders with the basic plan is always beneficial as the amount you pay for these is small when you consider that you would otherwise have had to buy a completely new cover and pay a lot more. Have a look at the website for more details. All the best.

PURCHASE A FUTURE GENERALI POLICY AND GOT FREE A J HAMPTESTED SUIT LENGTH AND ALSO A OPPORTUNITY OF BUSINESS

POLICY BENEFITS SARAL ANAND

(1)POLICY TERMS 15 YEAR

(2)YEARLY 12000 ( BUT NEXT YEAR YOU CAN PAY MONTHLY 1000)

(3)MINIMUM POLICY PAYING 5 YEARS BUT MATURITY AFTER 15 YEARS

(4)GOT A INTEREST ON SUM ASSURED AROUND 3.5% PA UP TO 5YEARS

(5)AND A MOST BEAUTIFUL THING YOU WILL INSURED FOR UP TO 80 YEARS AND GOT 300000 NATURAL DEATH AND ACCIDENTAL DEATH 600000

(6)MATURITY VALUE IF YOU PAID COMPLETE 15 YEAR 3 LAKH TO 3.25 LAKH BUT YOUR WILL INSURED UP TO 80 YEARS

(7)MATURITY VALUE IF YOU PAID UP TO 5 YEAR 1 LAKH TO 1.25 LAKH BUT YOUR WILL INSURED UP TO 80 YEARS

(

TAX BENIFIT

(9)BUSINESS OPPORTUNITY TO WORK INDEPENDENT/ SELF EMPLOYED

THINK ABOUT YOUR FAMILY AND FUTURE AND MAKE YOUR SELF SAFE AND DO SOMETHING BETTER IN LIFE

I AM WAITING FOR YOUR REPLAY

ANAND BISHT 9540307770

Hi,
one of the important steps of taking an insurance is to understand how much sum assured is needed by you to cover your expenses. It is a very important step and generally the most ignored aspect as well. Read the following link and it would help you to understand how to compute the sum assured for your policy.

http://insight.banyanfa.com/?p=298

Regards
BFA

Hello sir,

go for LIC TERM plan as you know is ZINDAGI KE SATH BHI, ZINDAGI KE BAAD BHI.

BEST AND NO.1 INSURER IN INDIA. ALTHOUGH PREMIUM IS HIGH BUT YOU WILL GET THE BEST RESPONSE OTHER THAN SBI. AS SBI COMES IN THE INSURANCE FIELD RECENTLY AND LIC IS WORKING SINCE 55 YEAR.
FINANCIAL ADVISOR
LIC OF INDIA
BRIJ MOHAN JHA

Fields marked * are mandatory
Got a question?
Just fill in the following:
Name*		E-Mail*
Phone No.*		City
Message (up to 1000 characters)