😇How I selected Best Term Insurance for me? | कंपनी ने छुपाया, पर मुझे दिख गया

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Term insurance: link.lla.in/Term-insurance-av
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It is essential for the earning member of the family to have good term insurance that protects their family in case of contingencies. However, out of the 24 insurers in India, how do you make sure that the company you are taking the insurance from, will be able to not only survive the term but also be able to pass your claim at the time of need?
Chapters:
0:00 Term Insurance Truth
1:25 Money-Minded Mandeep
1:50 Term insurance vs Whole Life insurance
3:04 What is Term Insurance?
4:07 Term insurance vs ULIP
5:30 Step 1: Claim settlement ratio
6:25 Step 2: Amount settlement ratio
8:03 Step 3: Claim rejection ratio
8:41 Step 4: AUM
9:19 Step 5: Solvency ratio
10:00 Best term insurance?
11:02 Term insurance riders (add-ons)
12:34 Claim rejection ratio
13:46 Bonus Tip
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IRDA DATA: labourlawadvisor.in/irda-insu...
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Income Tax: link.lla.in/LLA-PL-Income-Tax...
Jagruk Talks S2: link.lla.in/LLA-PL-Jagruk-Tal...
Business Basics: link.lla.in/LLA-PL-Business-B...
ABC of Personal Finance: tinyurl.com/LLA-Financial-Adv...
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#LLA #termplan #insurance

Пікірлер: 5 200

@LabourLawAdvisor 3 жыл бұрын

Buy Term insurance here & support our work without any extra payment: link.lla.in/Term-insurance-av

@rupeshpatel727 3 жыл бұрын

Can I buy LIC tech term plan for my wife (housewife) online ? Agent said no and answer can’t find on google. Pls reply.

@shaileshverma1933 3 жыл бұрын

If we today choose a company for insurance but in future let's say after 20yrs the company default so what will happen to our insurance and if it's loses then premium for new term insurance will be very high at that time. What is your view on this?

@manpreetsingh1 3 жыл бұрын

@@shaileshverma1933 Same question was arising in my mind, as I am having Aegon plan. Then after discussing it with one of my colleague who is having good authentic info. , she saidtold me that all the insurance policies are controlled by IRDA and it keeps track on solvency ratio of these companies every year ( I think it should be more than 1.5) and in case of any bankruptcy most of the times big players buy these small companies and IRDA helps in getting it done. No company can go off in an instant as they have to follow some norms of IRDA. If anybody have some better information regarding this, then plz update me too.

@tubeuvisitor 3 жыл бұрын

@@manpreetsingh1 Even i am having Aegon Term insurance and i am yet to pay second installment in Dec 2020, so kindly suggest me whether i should drop it and move to TATA AIA or HDFC or LIC because till the second installment i can get my first installment refunded.

@manpreetsingh1 3 жыл бұрын

@@tubeuvisitor I think if u can move out, then you should. Lic is very expensive, go for big private players like HDFC, ICICI and TATA, that's it.

@gyandeep8234 3 жыл бұрын

What I learned in last 3 years of my job, this guy has covered everything here! Great channel , keep it up.

@mannkaur5621 3 жыл бұрын

Sir lic shi hai ya nhi

@MrKhabbu 3 жыл бұрын

@@mannkaur5621 sahi hey . Buy term insurance only. At earliest possible age and for maximum possible term . With medical and if possible with Critical illness rider ,accidental death benefit or ADB and ADDB or Accidental Disability and Death Benefit .

@krishnachaitanya3678 3 жыл бұрын

@@mannkaur5621 take tech term plan from lic, it's pure online, premium kam hai, agent ka paisa bhi bachega

@yogeshgangal4020 2 жыл бұрын

Sir I am 45 yrs old after going through ur videos i am a bit confused because I want to obtain a medical insurance policy please guide me through

@akshaymundada830 2 жыл бұрын

Loved the information he shared. But , I've always observed that he's always against LIC , even in this video , he should have also researched why LIC charges more premium, it's because of the Sovereign Gurantee by Central Government which is very important in case of Insurance because we've to consider a company's financial stability for next 30-40 years.

@LabourLawAdvisor 3 жыл бұрын

❌ Do Not opt choose Limited Pay or Return of Premium 0:00 Term insurance Truth 1:25 Money-Minded Mandeep 1:50 Term insurance vs Whole Life insurance 3:04 What is Term Insurance? 4:07 Term insurance vs ULIP 5:30 Step 1: Claim settlement ratio 6:25 Step 2: Amount settlement ratio 8:03 Step 3: Claim rejection ratio 8:41 Step 4: AUM 9:19 Step 5: Solvency ratio 10:00 Best term insurance? 11:02 Term insurance riders (add ons) 12:34 Claim rejection ratio 13:46 Bonus Tip

@Yatri_hu_yaaro 3 жыл бұрын

Health Insurance pe v ek video bana do bhai🖤🖤🖤

@drshpatel6199 3 жыл бұрын

@krishna Govinda LIC. Plan name LIC TECH TERM PLAN

@bipintiwari3604 3 жыл бұрын

Bike/Car insurance ke liye bhi video banaye....if possible..

@gauravnema4072 3 жыл бұрын

Brother, thank you so much. I have started seeing your videos today onwards based on my KZfaq videos Experience I can say proudly that finally I have subscribed India's best KZfaq. You are doing fantastic job my friend. The way you share information, there is so much honesty in your voice and in your expression, it seems you have very clear intentions in your mind that you are doing this for society. Pls don't ever change your way of making these useful videos and of course you are speaking in hindi which is the main plus point. Wonderful my friend. God bless you.

@mrsourav1998 3 жыл бұрын

Sir, please help me, My company is off and I have no link Epfo with Aadhaar. Sir how do I withdraw money from PF. Sir please help me. Sir I have the uan number. Sir, if I fill out any form, I will be able to withdraw the money. Please help me.

@ajaysinghbisht5188 Жыл бұрын

Honest and humble! Many thanks dear friend! Stay grounded and keep enlightening us!

@MrSreeranj 3 жыл бұрын

I just wonder how much detailing this guy would have done for a 15 mins video. Dedication at its best. You guys are the next generation Indians who wants to grow without any shortcuts & of course with Honesty. God Bless

@vishalab123 2 жыл бұрын

Sahi kaha.

@techcloud2510 2 жыл бұрын

marketing video cleverly showing one brand as the clear preference over so many other established brands like HDFC or LIC. If this video was non promotional the this utuber would have shown show each comany's benefits and cautions.

@user-nt3dn4lk9y 2 жыл бұрын

@@techcloud2510 hdfc.dosnt need marketing especially KZfaq

@vivekgrmtech 3 жыл бұрын

"Lalach nahi Logic use karna" - best words

@rahulingole7527 Жыл бұрын

बोहत बोहत शुक्रिया भाई...सही मायने में आप समाज सेवा कर रहे हो...👌👍💐💐💐

@shashwatsangal5801 Жыл бұрын

This is great content Mandeep. Thanks for coming up with this one. It has given some insight and boost towards decision making while selecting a right term plan.

@honestopinion10 Жыл бұрын

My god, dil khush kar diya yaar... Kitna sara research agar hume yu hi baithe baithe mil raha ho to bhaiyyon aur behno ye channel ko subscribe karo like karo comment karo share karo... Mujhe to personally ye video bahot ho jada accha laga aur mera bahot time bhi bachaya eska liye bahot bahot shukriya LabourLawAdvisor ka👍👍👍

@RahulSingh-my4vh 2 жыл бұрын

What I've done 5 yrs back for weeks before selecting one term insurance, you covered more than that in 15 mins & shared with everyone. Kudos Brother, keep it up !

@akshaymundada830 2 жыл бұрын

@Devil_Shani 2 жыл бұрын

@@akshaymundada830 hh heera

@akshaymundada830 2 жыл бұрын

@@Devil_Shani what ?

@tonys.a.8887 2 жыл бұрын

Does this policy cover death due to any reason or is it only for natural death ?

@gangadharr3524 2 жыл бұрын

So which insurance did you take atlast?

@kabirsistalofficials2319 3 жыл бұрын

आप जैसे कुछ अच्छे लोग उन लोगो के लिए गुरू के समान है जो ख़ुद से कही ज्यादा अपने परिवार के बारे मे सोचते है🙏

@ameyapatil4840 Жыл бұрын

I know this was posted a while ago but still want to thank you for this insight. Great efforts and dedication. Best wishes to you and the team for sharing such informative content helping us in decision making!

@sauravchaudhary2602 11 ай бұрын

This guy is just amazing ....15 min vedio for entire lifetime and beyond .Hats off man...keep up the good work.

@nikhilrastogi6626 3 жыл бұрын

Kudos to team LLA. Really appreciate the way you are educating us. your videos have really brought my attention from stupid social media stuffs to knowledgeable investment videos. Thanks!

@mraiyappa2237 3 жыл бұрын

One of the best video I have seen on insurance related videos. Not just worth watching but worth implementing in life. Good work! 👍

@manojsinghbisht3717 Жыл бұрын

Bhai Bahut Informative Video Bnaya Aapne.. Mehnat dilh rhi h aapki.. God Bless You & Keep it Up...

@BlueOcean_Deep Жыл бұрын

Simply wow, Mandeep! Thanks, just loved the crisp and clear content for a very important topic.

@satvikkhare1844 3 жыл бұрын

Wondering what did we do as an audience to deserve this video? Why is this video not touching million views

@LabourLawAdvisor 3 жыл бұрын

Thanks sooo much ❤️❤️

@RishabhAwasthi007 3 жыл бұрын

Hoga hoga...👍

@saraanssinghrathore1694 3 жыл бұрын

@Subham I will bet on 9/10...

@pashupatimishra9335 3 жыл бұрын

True

@mrvinaygupta 2 жыл бұрын

It is still not reached to 1M people. Pity on youtube algo

@ajayjha8375 3 жыл бұрын

Just Awesome Mandeep. Keep up doing these great work. Ultimately the decisions are with the people to opt but you are bringing the fact to the table.

@saddamshaikh7940 Жыл бұрын

bhai kya proper vedio tha not a single doubts hat's of to u subscribed

@cosmos7427 Жыл бұрын

Yaar ye video mene pehle kyu nahi dekhi. Kher koi baat nahi bahot Sara knowledge Mila and thanks to Mandeep Bhai itna simplify krne keliye .❤️

@sanidhya4157 3 жыл бұрын

Mandeep u r the friend that everyone needs..... Ur honesty will give u big success.

@santoshmarandi4560 3 жыл бұрын

Everyone should know this information.... It cleared a lot of confusion.... Thank you very much

@MaverickMo Жыл бұрын

Thank you for updating the IRDA Data. Respect for keeping things up to date.

@jitendra5551 Жыл бұрын

पहली बार इतनी आसान भाषा मे समझ पाया। आपने हमारे लिए इतना अच्छा वीडियो बनाया बहुत बहुत शुक्रिया।

@Me-1239 3 жыл бұрын

Hi LLA, I had insurance experience, really appreciate you...the data you have collected is worth watching...Keep it up...

@akshitsaklani4365 2 жыл бұрын

Hi, Thank you for explaining it in such a good way. You might wanna update one of the headers in that spreadsheet. Instead of ASR, you have mistakenly typed in CSR.

@SwapnilRane-ek4fd Жыл бұрын

Thanks for the lovely info, helped a lot. The Excel file you mentioned is not available anymore. TATA's CSR and ASR have reduced a lot as per IRDA's latest report. Can you please upgrade the video for BEST Term Insurance in India in 2023

@adityasinghparihar4231 Жыл бұрын

Crisp and usefull information. Seedhi baat no bakwaas. Keep it up. It helped a lot...

@sandeepjayee 3 жыл бұрын

Brilliant work - your hard work on the research is very evident. Thank you for your help. All the best 👍

@sandip8600 3 жыл бұрын

If anyone here is confused about term insurance listen to this guy. He has done a great job of collecting all the information at one place.

@rupeshguha9843 Жыл бұрын

Very informative as usual! And thanks for the Excel!!!

@priti6655 Жыл бұрын

Thank u so much...u save lots of money...i was going to take these last two options and really ur full vedio is mind opening vedio... thank u so much ...for clearing our confusion

@roshnimonteiro2229 3 жыл бұрын

Excellent overview!! Just the right amount and level of information

@million-ollar-reaction3511 3 жыл бұрын

Been following your videos brother. The amount of dedication you guys put in is immense. Proof- compiling data in EXCEL. Keep it up.

@thepurrfectcat Жыл бұрын

Bohot badiya video banyi hai, Insurance companies ka poora expose kar diya hai.

@ragaashish33 3 жыл бұрын

Bhai you r doing good public service keep it up.

@Manish25031975 3 жыл бұрын

Thanks for creating this video based on research and data. Amazing level of clarity as you explained various things. One of the best videos seen lately.

@surajonearth Жыл бұрын

बहुत बहुत धन्यवाद सर जी, इतने ज्ञानवर्धक वीडियो के लिये इस वीडियो को देख के आपको और आपके मेहनत और लगना को सेल्यूट...🙏🙏🙏

@uvkvk Жыл бұрын

Mandeep Gill ❤️ sir You don't know how much help and guidance you did with this video ❤️ Hats off to U and your team 🙏🏼 Thank You so much Please be the same as truthful and genuine as U are 👍🏼👍🏼 You guys are the bestest And Thanks a lot for the Excel sheet 👌🏻❤️

@raakshit9 3 жыл бұрын

Thank you for sharing such a detailed insights, much appreciated ❤️

@kbnair5997 3 жыл бұрын

Great Bhai, How beautifully explaining about the term insurance. U have done lot of efforts and explain to us very logically. All are requested to follow his advise. Thanks

@ashiskumar8312 11 ай бұрын

You are the Man ! Absolute quality video with loads of information...

@AmitSingh-nx7dt Жыл бұрын

Great Job Mandeep...Very Knowledgeable video. Keep it up.

@akshaymote9080 3 жыл бұрын

Loved the video Brother! In-depth analysis tha ye. I especially liked your comments on limited pay and return on maturity variants of plans. I did the calculation myself. I calculated the premium that I wouldn't pay for those types of plans and instead invest in MF....I will earn crores. But these insurers will just handover me back that 15k extra premium I would have paid which will be of very less value at that time due to inflation.

@NaveenKumar-xi1pp 3 жыл бұрын

Bro fully aligned, I did all these things .. reassuring 👍🏼 Do one for general insurance..?

@vidyabhushanpandey4142 Жыл бұрын

Very good analysis, totally worth it, u deserve more recognition and appreciation brother.

@veereshwarsharma1254 Жыл бұрын

Absolutely smashing video Mandeep! Covered everything that I was looking for 👌👍

@Shakhs 3 жыл бұрын

I love this man. Hats off sir. Really inspired by your videos. Gonna follow you for all my financial plannings. I was lacking at some points which you have clearly sort out.

@navneet2649 3 жыл бұрын

Would have been better if u could have given some more detail on the 2 options provided with term insurance like limited pay and return of premium with some illustrations, but overall thanks for the info❤️🙏

@vasugarg7689 Жыл бұрын

Very informative video LLA team always rocks. you guys give some real critical worthy information through your videos. Hats off to your research and hard work. Thank you guys

@jasmeetsingh2069 3 жыл бұрын

Man I am big fan of yours... U have so nicely accumulated all the critical information in this video

@p.d.ghodkecreations7203 3 жыл бұрын

आपका शुक्रिया करने के लिये मेरे पास शब्द नहीं हे, बस परमेश्वर को प्रार्थना करुंग की, आपको लंबी आयु प्रदान करे👋👋👋👋👋

@jitendrabisht6156 Жыл бұрын

Aise informative authentic video koi ni deta. Love you bro. And give more authentic video❤

@tusharchor1234 11 ай бұрын

Thanks, Informative. N covered in short time

@ramkishanpawar2337 3 жыл бұрын

This is really an informative stuff, I loved this !!! Thank you so much for this info 😀😀😀😀🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻

@sanjeevkumar758 3 жыл бұрын

This guy is doing great job helping many people

@Tintin-wt7id Жыл бұрын

This video is eye opening and v very helpful with real facts rather than misguiding online sites for claim settlement ratio and choosing wrong plan.

@user-ff9px1wh6w 5 ай бұрын

Thank you so much sir apne mere sare doubt clear kr diye.....apki sari video bht hibuseful hoti hai.

@_Kevin_S 2 жыл бұрын

Hi Mandeep, Appreciate your work, its simply fantastic. On a humble note there is one correction in your excel file (Sheet 1) Amount settlement ration has been mentioned as CSR it should be ASR. Thnx Keep up the good work. :)

@shashwatsingh4106 2 жыл бұрын

hi kevin, Can you share the link of the excel. I can't see that in the description of the video. Please consider sharing

@newera0001 2 жыл бұрын

@@shashwatsingh4106 07:39 Right up corner

@abhirajram Жыл бұрын

I noted the same when I opened the excel.

@forevertejal Жыл бұрын

@@abhirajram pls cant find excel pls share in reply will be greatful

@brezhnevfernandes3125 Жыл бұрын

Can someone share the Excel please

@RohitPatil_Tech 3 жыл бұрын

This has really helped me making an informed decision. Thank you!

@sparshjindal4895 Жыл бұрын

Awsm brooo!! Maza aa gaya batao! Sare doubts clear kardie, and fully educate kardia

@rasmatey Жыл бұрын

Thanks man...precise and exactly what I was looking for 😃

@pranju4u22 3 жыл бұрын

As always fantastically explained video on term insurance by LLA Team but Sir please make another video on different different kinds of riders & how u should choose them in priority order for us young invester age between 26to30

@karthikg108 3 жыл бұрын

Thank you very much for sharing this detailed info. Much appreciated!

@pankajassociates4189 Жыл бұрын

Very very nice information. Thank you. Keep on posting good videos like this one.

@jaywantbhalke9461 Жыл бұрын

Personaly I trust u and yours information which u shear and v follows on urs path..

@tincyannehot 3 жыл бұрын

Great research and knowledge shared. Thank you. I was also looking to get one.

@ankitshrivastava5655 3 жыл бұрын

You missed some points, in my opinion which are necessary: 1. Choosing limited pay option generally reduces the rider term as well, as all biggies provide rider coverage only upto premium payment terms 2. Terminal illness coverage is must apart from critical illness 3. Critical illness rider is not fixed for your lifetime. Company reviews the rates in a period of 5 years. But u r right that better add it with term plan rather than with health plan.

@mangeshdahatre6799 11 ай бұрын

Great video....will help numbers of people and save thousands of minutes..👍

@mukesh21307 Жыл бұрын

Excellent video...lots of useful information explained in an easy way.

@a_weird_guy 3 жыл бұрын

That was hell of a BONUS TIP.. Thanks Man Appreciate that

@bitterestruth 2 жыл бұрын

Which is better?

@SuperbExpressions 2 жыл бұрын

Thank you for educating us with facts ❤️

@macky965 Жыл бұрын

Excellent video sir....loved it....big Thankyouuu

@vijuvijay7335 Жыл бұрын

Bravo! What a video. An eye opener to rethink the decisions. Great content. Loved your presentation.

@JoelJohnson24 2 жыл бұрын

The latest IRDA report has also been published and the same trend is being observed about Amount Settlement Ratio. ICICI (which I was considering to buy) has a high CSR of 98% but amount settlement ratio is only 91.6%. Such figures are possible only if they're intentionally trying to reject claims with large amount.

@varunemani 2 жыл бұрын

Absolutely true. 🍷👍

@zeeitechriver Жыл бұрын

ICICI Average amount of claims paid: 10,36,396.20. ICICI average amount of claims being rejected was: 58,55,627.01

@k.pratyush Жыл бұрын

Which one did you buy, as I was also considering to buy ICICI one?

@4dm1n123 Жыл бұрын

Check now 2022 data. HDFC life was selected by mandeep but it's amount settlement ratio is 89% whereas ICICI has 95% which is even better than TATA 94%. A decision should not be made by just applying filters you need to consider every parameters as whole. HDFC always try to keep no. of policies ratio high but reject high value covers so its amount ratio is lower. Best insurance is always LIC.

@Kkohli Жыл бұрын

@@4dm1n123 which policy under LIC provide such good cover?

@joukhadanahaiukhaadle 3 жыл бұрын

Hi Mandeep, great gratitude for all the research and knowledge you guys are offering. Financial literacy (especially for women) is not common at all. But thanks to people like you who are dedicated to transparency and awareness. Kudos !

@akshaymundada830 2 жыл бұрын

@SujitChakravartiConsultant 2 жыл бұрын

His research is very much lopsided and biased. He needs to update his knowledge in finance and Economics. Don't buy plans, get Protection / Security and think of the Purpose (Goal / Need).

@kishankantkishankant3325 2 жыл бұрын

@@akshaymundada830 uh the same Day installation of zwp.

@akshaymundada830 2 жыл бұрын

@@kishankantkishankant3325 What?

@ekalavyaam4231 Жыл бұрын

Detailed information...too good

@thegautamnayak Жыл бұрын

Perfect description. Well described ❤️

@anant9590 3 жыл бұрын

Hi Mandeep, really a great informative video. Lots and lots of thanks. Could you please compile the data for the year 19-20. This time the report has 242 pages..😰

@pradeep97 2 жыл бұрын

Hi Mandeep, Great Video bro. You did a greater research and explained it very well. Kudos and Keep it up. Today is 29th Jan 2022 but IRDA report on your link is still of 2018-19. Any idea, when the next (Excel) report will be ready? Also, on Critical Illness Rider, I would like to say that it should be taken a separate policy becoz Term insurance will end at 65Y or at 75Y (depends upon what you choose) and at the same time Critical Illness Rider will be terminated at the same time. But Critical Illness Cover will be mostly required in older age as chances of getting any Critical Illness is higher in that age. Yeah agree that premium for stand alone policy for Critical Illness will be higher and keeps on increasing with age but still better to take as stand alone policy. Please mention whats you take on this. Your comments will be highly appreciated.

@rahulruj3370 Жыл бұрын

Sir, you have answered each of my confusions regarding term insurance. Thank you.

@ArunPanchal007 Жыл бұрын

Hello Mandeep, this information was very helpful for me considering my will to get myself a term insurance. However, I wanted to know if in a situation where the nationality of the insurer is changed, how would it really affect the investments made while being Indian citizen (Question is inclusive of all the investments- PPF, EPF, Equity, Insurances- Term and UPLIP, Bonds, etc). Hope to get a reply on this one. Thanks

@manishpatil1100 3 жыл бұрын

Sir we love & salute ur efforts......

@9013977261 Жыл бұрын

Saadho! This video is of great help for all Indians. I think all viewers should share this video with at least 1 person. Thanks a ton!

@CJhere 3 жыл бұрын

Bhai ne emotional kar diya ye bol kar.. "me company ke liye nai aapke liye kam krta hu" thodi der k liye aysa laga bhai ko bolu ja bhai jara freezer se thandi bottle to le aa 🤧

@LabourLawAdvisor 3 жыл бұрын

Thanks yaar.

@LuckyMe25 3 жыл бұрын

@@LabourLawAdvisor Bhai...m single parent n planning to buy term insurance. Plz clear one thing dat is it wise decision to take critical illness rider wid term insurance?? Or good to go for critical illness policy separately???? Plz reply.....

@grandduos4423 3 жыл бұрын

@@LuckyMe25 your questions is very good both have there pros and cons major benifit if you buy as a rider then it will have level premium ie premium will remain constant through out policy term . ....but on the contrary if you buy separate policy it will have life long renewability .... But make sure to buy I fixed benifit critical Illness policy generally provided by gernal insurance company like liberty insurance .... I am learning financial planning from someone who teaches people like me if you need any advice then send me your email I will forward it to him if you have any queries you can email me at samsunggranddousrom@gmail.com Currently I am learning so I will try to advise you free of cost latter on I am planning to crack cfp cwm and may be latter cfa and once I will be good enough to help people do financial planning for them then I will be charging for my expertise currently if you need my guidance then you can contact me ..

@srinivascnp 3 жыл бұрын

@@LabourLawAdvisor Bhai. U made a good video. But I was looking for a term plan and I see buying critical illness as a separate policy from max bupa, hdfc ergo etc. Is beneficial. Because, icici offers accelerated benefit, meaning we need to pay rider amount as extra(life cover includes rider).Hdfc,lic,tata offer this as additional benefit(life cover+rider). Hdfc doesn't offer accident cover as lumpsum,but in monthly installments which I think is a no-no for me. For getting the same cover. Icici, hdfc, lic doesn't offer partial disability which tata offers. Hence I think we can take term cover+accidental death from tata or lic

@ashianaash7102 3 жыл бұрын

What you wish to mean by saying this...but definitely your statement is not in good spirit...not appreciated at all

@udayry Жыл бұрын

THANK YOU for such an informative video. I understand the amount of work you have put in to research for this and are putting for continuously updating the Excel sheet. GOD bless you.

@neerajkanojiya8098 Жыл бұрын

Kya baat hai bhai… Very informative video.

@theworldbysinu 3 жыл бұрын

Just single word for u that u r excellent.

@samsani0099 3 жыл бұрын

One point missed. While comparing all these Ratios, we need to consider the number of applications each company process. Bcoz a company with 10 applications definitely perform well compared to a company with lacs of applications.

@vishalswarnkar5862 2 жыл бұрын

From where we can find that information?

@thedarkknight579 2 жыл бұрын

@@vishalswarnkar5862 IRDAI Annual Report

@mihirchauhan8142 Жыл бұрын

This video gives sense of satisfaction as all the topics are covered by you. Thank you very much as it surely helps deciding on term plan.

@chaitanyapatil5488 11 ай бұрын

Thanks alot covered almost everything ❤

@ravishaw9157 3 жыл бұрын

Thanks a lot.... finally I got what I was asked and excepted from you. You runs the bestest channel on KZfaq. I hope and request you to make a video on health insurance also & I know that is a very tiredy job to do. Thanks again

@grandduos4423 3 жыл бұрын

I will suggest to buy a individual cover of every family members of attest 5 lakh and preferably 10 lakh of every family member and then buy a top up policy of 25 lakh on family floater basis that will be most affordable and best way to take care off all hospital expenses ...if you want me to explain you the policies of all compnies with there pros and cons and help you find best health insurance for you the fell free to contact me at my email id samsunggranddousrom@gmail.com .... I am learning financial planning if you have any queries you can email me at samsunggranddousrom@gmail.com Currently I am learning so I will try to advise you free of cost latter on I am planning to crack cfp cwm and may be latter cfa and once I will be good enough to help people do financial planning for them then I will be charging for my expertise currently if you need my guidance then you can contact me

@msrikar1 3 жыл бұрын

Great analysis, keep posting awesome content. Q1) I see the suggestions are based on latest information available on IRDA (2018-19) but shouldn't we look at longer periods may be previous 3-4 years claim settlement and rejection instead of only the current year for conclusion ? This might impact how Tata AIA will compare with the rest. Q2) Out of the rejected claims, if we look at Avg. claim amount per claim within the rejected group (rejected plus repudiated) will it lead to any different insights ? lets say in 2018-2019 out of total repudiated claims avg claim amount for Max Life is about 14L whereas for Tata AIA is 24L, HDFC is 49L, ICICI is 40L. Is there is chance that companies with high avg's are rejecting probably more higher amount claim amounts, which if true will be a concern for anyone who wants to take a high sum assured (>=1C)

@vikaraniga9078 2 жыл бұрын

Insightful, And thought provoking. Beauty!!

@atifnawaz8147 2 жыл бұрын

Was this question answered ?

@ksinitial Жыл бұрын

for remembering

@weeklyvinayak3436 Жыл бұрын

What you are talking is not simplistic the motive of these kind of videos are to give insight to people who are layman in financial field and if he played with numbers layman will get confused

@zeeitechriver Жыл бұрын

Absolutely, now TATA amount settlement ratio is not even 90%. I believe there will be variations with time.

@nileshsawant8733 Жыл бұрын

Best informative video... very thankful Sir

@abhirajram Жыл бұрын

Very informative. Helps in decision making. Thank you for sharing.

@hansasabbarwal8468 3 жыл бұрын

Hi Mandeep, your knowledge sharing way is an amazing. I had watched your video of how people get trapped in moneyback and endowment policies, I am one of those sadly. Last year I had purchased two money back policies of SBI life but after watching your video in which you surrended your father's policy, I just wanted to ask like if I should surrender it now or I should probably pay premium for atleast 2 years more and then select paid off option? I am asking this as I got an advice from policy bazaar representative that I opt paid off after 2 more years as it will give me atleast some profit. please let me know your thoughts on it.

@TheDev5373 3 жыл бұрын

Good informative video. I stopped my all LIC policies 3 years back insuring my life about 22-26 Lacks against annual premium was a stupid amount 110,000... i purchased a Term Plan online. Covered myself with 1 CR, wife with 50Lakh and yet annual premium is 12000 (3 years back, i was 33 years old). Saved 98000 rupees annually, which freed my cashflow and boosted amount i invest for future.

@rahulm1567 3 жыл бұрын

Hi Dev , Did u get you LIC money back after u stopped paying. As I have paid my 1st year LIC Jeevan Labh plan which I am regretting now . Looks like I made a big mistake . What is your recommendation . Should I stop paying LIC now ?. Whats your thought.

@TheDev5373 3 жыл бұрын

@@rahulm1567 Hi Rahul, If you have paid only 1 premium, i suggest to stop. Regret but forget that amount. If you have paid multiple premiums, than pay for minimum 3 years, than stop paying yet wait for 1 year to add up bonus. You will get 50% of premium paid, plus bonus. In totality, you will roughly get 65-70% of your premium paid amount back (After paying 440,000, i got 340000 returned). This amount largely depends upon Bonus by the way. But like i said, if only 1 premium paid, than better to forget.

@rahulm1567 3 жыл бұрын

@@TheDev5373 @Dev Aryan thanks for the reply. I have paid 70k in my first premium and the 2nd is due in a month. so I guess its better I stop paying my future premiums. Any other better investment options that you can recommend is greatly appreciated.

@TheDev5373 3 жыл бұрын

@@rahulm1567 Yes, i think its better to stop. Its a loss, still you are ending up your dent by minimum hit. Proper savings will cover up. In regards to idea, there are many safe & aggressive investment & savings options. i may suggest you some. Let me know your age and capacity on aby dot halol at gmail

@TheDev5373 3 жыл бұрын

@@rahulm1567 I guess my message did not came as in full for the investment idea. May be Google is hiding email sharing. Its aby doat halol on the gmail services. Lets see.