How much Term Life Insurance Cover do we need?

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How much term insurance or life insurance cover do we need? Term insurance plan is the simplest form of insurance that gives only death benefit and no investment benefit. On the other hand whole life insurance or endowment policy clubs insurance with investment. Which ever insurance policy you take, you have to calculate the insurance cover first. In this video, we cover just that.

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हमें कितना टर्म इंश्योरेंस या लाइफ इंश्योरेंस कवर लेना चाहिए? टर्म इंश्योरेंस प्लान इंश्योरेंस का सबसे सरल रूप है जो डेथ बेनिफिट्स देता है लेकिन कोई इन्वेस्टमेंट बेनिफिट्स नहीं देता। दूसरी तरफ होल लाइफ इंश्योरेंस या एंडोमेंट पालिसी जिसमे इंश्योरेंस के साथ इन्वेस्टमेंट भी शामिल होता है। आप कोई भी बीमा पॉलिसी लें, आपको पहले इंश्योरेंस कवर की गणना करनी चाहिए। इस वीडियो में, हम इसे कवर करते हैं।

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In this video, we have explained:
How to calculate the amount of life insurance cover you require?
How to compare life insurance policy and endowment policy?
Is insurance policy good as an investment option?
Which type of insurance policy should you go for – term insurance policy or whole life insurance policy?
How to know the worth of insurance policy we need based on income, assets, liabilities, and financial goals?
Which thumb rules should you follow while investing in LIC policy or any other life insurance plan?
What are the things you should keep in mind before investing in an insurance plan?

It can be tricky to understand and decide how much insurance cover we need and whether an insurance policy is a good investment option also. Despite being an investment option most of the insurance policy or life insurance plans don’t provide us with enough returns as an investment. Many insurance policies from life insurance corporation of India and SBI life provides us with investment benefits as well as death benefits but we should consider all the other investment options before making a decision.

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28 Comentários

  1. Can you please make a video on investments for single parents in the age of 40s? Thank you.

  2. Just the same way I saw testimony of how Austin helped a man make -$50,000 weekly Profit I tried now am also sharing my testimony with over,$10,000 from the company thanks for the good did he has done for me for this short period of time

  3. Sir Sare term plans 25 Lakhs min. Cover dete hai and Mera total affordable cover 18 lakh to kya Karna Chahiye

  4. Hi Sir, What if a non smoker takes term insurance and after taking the insurance starts smoking after a year or before. And dies due to cancer or any other natural death. Can the claim still be accepted or not?

  5. Sir mera Age 29 hai… Mai unmarried hu… Muze kitne ka term insurance lena chahiye. Plz suggest.

  6. This good insight. Just realized I might be under covered.

    Quick q – I have 2 diff term ins plans with ABSL and Aegon. I am thinking of taking one more with for the under cover worh LIC. What's your thought on LIC term insurance?

  7. Sir how to review or term insurance ?
    Actually what is need to done , I don't know the basics .. please help

  8. Insurance companies don't provide insured amount according to our desire. For ex: My current Annual Income is Rs. 4L and age 28 years, according to policy bazaar or insurance companies I'm not eligible for more than Rs. 50L coverage. I'm a bachelor now but in future I'm gonna have family, which I have to take care & If I buy a term plan of almost Rs. 2Cr. I think it would be sufficient according to your calculations. But how am I gonna purchase the desired term insurance amount?

  9. Pls reply me sir. Sir ma apma kuch small karm kar ta hu or income 15000 tak ho jate hai income kam jadha hote ragta hai to kay ma term plance la shkta hu kay gorment or private job jo income tax fill karta hai ya hai term plane la shkta ya ma vhi maximum ketna ka terms plane la shkta hu pls reply me

  10. Pls reply me sir. Sir ma apma kuch small karm kar ta hu or income 15000 tak ho jate hai income kam jadha hote ragta hai to kay ma term plance la shkta hu kay gorment or private job jo income tax fill karta hai ya hai term plane la shkta ya ma vhi maximum ketna ka terms plane la shkta hu pls reply me

  11. Request you to make one video for a can we take a rider (critical illness cover/ accidental disabilities) with a term insurance or as a separate policy?

  12. Sir, safe mode me Bank fd se jyada returns hain insurance me vo bhi guaranteed. I can show you.

  13. To take 1.5 cr insurance coverage u require to pay around 40k per month as premium and the inome of the person is around 83k per month and expense 30k per month as per ur assumption. Now u just think how much he can invest for growing his wealth. So sir base less advice q de rahe ho thora apna bhi calculation karo Google se kitna copy paste karoge.

  14. Assert guru ji ek question tha ki suppose koi 1 crore ka insurance leta hai nd 5 saal baad uski death ho jati hai to ise kitna paisa milega???

  15. Hello Sir
    Hope you are doing good.
    These days there is a new scheme of paying insurance to insurance company in lesser time.
    For example I was planning to take term insurance from icicipro.
    And I am getting option to pay
    1) lumsum in one go .
    2) in 5 years
    3) 10 years
    4) till the age of 60.

    I am very much confused which is the correct option to go with.

    Your reply will be highly appreciated sir thanks in advance.

  16. Sir paramilitary CRPF me rahate huiye on duty death ho jane par Max term life insurance claim milega pls reply sir

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