Topic: which term insurance is best

hi

There are many good term life insurance policies in the market. It depends upon on financial profile and your personal requirements so as to select the best one among them that will best suit you. In such cases, it is advisable to approach some reputed insurance brokers in India for their professional insurance advisory services. Their IRDA certified experts will help you suggest the best term insurance policy based on your requirements.

There are many term insurance providers in India. Each have their own sets of eligibility criteria and the corresponding features and insurance benefits. Bajaj Finserv Lending is one such term insurance provider that I'd recommend you to get in touch and know more about their feature offerings. When a colleague of mine purchased one for himself, he found their surrender benefit to be the deciding factor.

Go for SBI life or max new york

This message was edited 4 times. Last update was at 19/01/2012 00:16:46

ddd

This message was edited 1 time. Last update was at 19/01/2012 00:33:49

Term insurance plans are provided by many insurance service providers in India. It is because many Indian companies have found that employee benefits package plays a crucial role in retaining their employees. To choose the best is a tough task, since each one of them has their unique offerings. Bajaj Allianz term insurance offers multiple covers with riders. You can read more about their offerings at their website.

This message was edited 1 time. Last update was at 05/03/2012 18:01:38

Hi,

Protection plans are quite essential as they secure your family and you in emergencies. Future Generali has plan for individuals known as Smart Life and a plan for family known as Care Plus. These plans give you benefits like discount of premium for higher sum assured, option to choose additional covers in the form of riders, tax benefits as per the prevailing tax rules and much more. I personally will be going for Care Plus because I have heard good reviews about the settlement of claims under this policy. This is because they have an in-house claim processing team, which otherwise is done through a third party administrator, which usually delays the processing time.

These days the term plan market seems to have become fairly competitive. I would recommend that you see HDFC Life Click 2 Protect which is a term insurance plan and also the cheapest in the market. Of course much depends upon your health status and the sum insured that you seek. Do read the terms in the fine print well.

sbi life best in term insurance mail for details

gulzar.ahmed@sbi-life.com

Good information about term insurance explained here....!!!!

Every insurance is depends upon your needs, so after examining the need it becomes easy to fund the best one policy for yours.

Hi,

I suggest you should try out the term insurance plans provided by Bharti AXA Life. They come with a host benefits like pure life insurance cover at very competitive premiums, option to cover your life up to the age of 75 years, receive tax benefits under section 80C and 10(10D) and many more. To make things better, Bharti AXA Life eProtect Term Plan also offers Family Care Benefit where, in case of death after 2 policy years, a sum of 1 lakh is paid out within 48 hours to take care of immediate expenses that may arise out of an unfortunate eventuality.

It’s always good to secure your family with a term insurance plan, as it will ensure your family is secure in case of an unfortunate eventuality

There are many companies term insurance plan so you need to compare there plan and know which company give more benefits before buy any term insurance plan.

Short term life insurance is best because it is affordable if you do not want to pay heavy premiums.

I would strongly recommend AEGON Religare's iTerm Plan. It is one of the cheapest term plan currently available in the market and offers a life cover of Rs. 1 crore for a premium of Rs 8000. This Plan is available online and i got mine really quick!

The term life insurance is best to be purchased, i have seen more people deviated towards this policy.

Hi..
there are many policies available currently. But it mainly depends on your financial carrier.
but it is advised while selecting any policy that you should consider the cost and benefit offered.20 lakhs for 20 years policy is a good policy offered by LIC.

I compliment and say LIC is best as its Settlement rate is very good.
Before choosing or going for any company, one must understand the realities
of Term plan. Reputation and settlement rate top the list.

Go thru the below links. IT will give you an idea on how much to go for insurance
.
http://www.wealthucreate.com/2012/01/do-i-need-insurance.html

http://www.wealthucreate.com/2012/01/have-you-heard-of-term-insurance-in-our.html

regards
wealthucreate

You’ve worked hard to build a life for yourself and others. But what if something were to happen to you? Wouldn’t you want to know that your beneficiaries were protected? Yes... you would for sure. That is why i personally feel that term life insurance is the best option to protect your beneficiaries.

I think term Life Insurance is the best. You can buy one of the best cost affective life insurance plane to protect your family members.

Anonymous wrote:You’ve worked hard to build a life for yourself and others. But what if something were to happen to you? Wouldn’t you want to know that your beneficiaries were protected? Yes... you would for sure. That is why i personally feel that term life insurance is the best option to protect your beneficiaries.

Exactly ... i hundred percent agree with you ...

Yes i think Term Life insurance is the best option to choose .... and normally people dont buy term life insurance giving poor excuses. Here are four poor excuses people normally give.

1. I'll do it tomorrow.

According to "The 2011 Insurance Barometer Study" by the Life and Health Insurance Foundation for Education and LIMRA, 86 percent of consumers say most people need life insurance. But just 63 percent of all study respondents have purchased their own coverage. Many people put it off because they're confused about what type of coverage to buy, and how much.

But what would happen if you died without ever having purchased life insurance? Neglecting to do your homework today could spell financial disaster for your family tomorrow.

2. It's too expensive.

When money is tight, families understandably don't want to add another bill to the stack. But insurance rates for term life are only a fraction of those for permanent insurance, such as whole life or universal life.

Term life insurance does not have a cash savings account and provides coverage only if the insured dies within the term. You choose a term, such as 25 years, to cover the critical period when your family is most financially vulnerable--while the kids are growing up and there is a mortgage to pay, for instance.

3. I already have group life insurance through my job.

Employer-sponsored group life insurance generally lasts as long as the job. If you quit or are laid off, you no longer are covered. Group life policies are also for relatively small amounts. They may not provide enough coverage to meet all your family's needs.

4. I don't know any life insurance agents.

Most insurance companies that sell other types of insurance, such as car insurance and home insurance, also sell life insurance. But only 48 percent of consumers are aware they can purchase life insurance from these multi-line companies, according to LIMRA's "The Insurance Cross-Purchase Survey," released in November 2011. A good resource for guidance might be in your own back yard--your home or car insurance agent.

I think every insurance policy plan is good but health and the life insurance plan are good to choose according to your financial condition.

hi
it depends what is the period of insurance.there are so many policies available. meet with an insurance or a broker. he will guide you the best.

Term insurance is the type of life insurance that provides total coverage for life for specified terms. There are different types of term insurance provided by multiple number of finance companies. I have my term life insurance from Aegon Religare and i can say it is the best term insurance.
http://www.aegonreligare.com/

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