What is Life insurance ?
Everyone knows that how precious our life is and in today's time, it is not known when life will happen, the way the vehicles are running so fast on the roads every day, due to which accidents happen every day, in such a situation, life insurance is for every person. It is necessary for you to insure your valuable things in this life full of accidents, you can get many benefits, if you want to help your family after your death, then there is a very safe way for you, so today we will talk about this. let's talk
SBI life insurance company is one of the all life insurance companies in India, if an accident happens to you and in such a situation you die, then the life insurance company will take care of that person according to the life insurance policy made by that person. Provides that amount to the family so that even after the death of the earner, his family members can be helped, it is useful for the financial help of the family, if you have any kind of loan or you live in a rented house. You must have life insurance
How to do Life insurance
There are many insurance companies in India from where you can get insurance, now you can get insurance by going to these companies and if you want, you can also Request online, after request online, an agent of the insurance company comes to you so that You can get insurance online, you can also send a request for life insurance to the company's toll free number, for this you have to fulfill some of their conditions like you should be between 20 to 60 years of age, if you have any kind of life-threatening disease. Do not suffer from diseases and also be mentally healthy.
How much life insurance should be taken
How much life insurance you should take depends on how much annual income you have, how many liabilities you have How many people in your family depends on your income, you should take a life insurance cover of 10 to 15 times your annual income
Types of life insurance
There are also some types of life insurance such as term insurance, endowment policy, money back life insurance, unit linked insurance plan etc.
Term insurance
Term insurance policy provides life cover for a period of time. If the insured dies during the term of the policy, the sum assured is given to the nominee of his family. Your cover is available till you select the tenure.
Endowment policy
This policy is for the entire life, after the death of the policy holder, the beneficiary gets its full amount.
Money back life insurance
In a money back policy, a part of the sum insured is given to the insured during the policy term itself, in the event of death of the policy holder, the entire sum assured along with benefits for life is paid to the nominee.
Unit linked insurance
In this, both your insurance and investment needs are met, the premium paid by you is deducted from the insurance and management expenses and charges and the rest amount is invested.
Most popular Life insurance companies in India
- SBI life insurance
- Aviva life insurance
- Bajaj Allianz Life insurance
- Bharti AXA life insurance
- Canara HSBC obc life insurance
- Indiafirst life insurance company Ltd
- PNB MetLife insurance
- Relience Life insurance
- Kotak life insurance
- Life insurance corporation of india
Advatage of life insurance
01.The biggest advantage of life insurance is that it protects your family
02. This can give regular income to your family and also helps in health and medicine
03. Tax benefit is also available on premium payment u/s 80ccc, 80c and 80d
04. Long term savings can be made
05.It is necessary in the education of children
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