How to buy Life Insurance / ஆயுள் காப்பீடு வாங்குவது எப்படி

Рет қаралды 78,432

4 жыл бұрын

In this video, we will see how to buy a life insurance for us. Many of us do not even realize the importance of life insurance. In India, we get reminded about its importance only thru insurance agents. But unfortunately, most of them misguide us and sell products like ULIP that is not of big use as life insurance. In this episode, how to choose and buy a good life insurance is explained in detail.
Following questions are answered:
1. What is insurance?
2. How can we find that we need a life insurance?
3. How much do we need as life insurance?
4. How long do we need the life insurance coverage?
5. What is the best life insurance to buy?
6. What is Term Insurance?
7. How good is term insurance when compared to ULIPs and endowment policies?
8. Why insurance need should not be mixed up with Savings/Investments needs.
If you would like to use the return calculator used in this video, copy it to your google account from here: docs.google.com/spreadsheets/...
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Reference:
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Пікірлер: 411

@idavelan9499 2 жыл бұрын

Wow! I have never seen anyone in sync with us like this. Every single topic in the videos that you uploaded were researched and explored for last few years by us and we are on right track now towards financial freedom. We have explored term insurance vs investment insurance and decided on term insurance for the same exact reasons that you have explained here. Both me and my spouse watch your videos together and we are a big fan. Your way of narration is very good. Nanbenda!! :)

@InvestmentInsightsTamil 2 жыл бұрын

Glad to hear that.

@Tpaiyne 3 жыл бұрын

Excellent video!! I was almost fooled 2 years back into buying an ULIP from LIC in which I have to pay 1.5 lakhs per year for 25 or so years and then after a period of 31 years I would get 81 Lakhs tax free money. I thought this was somehow useless and then opted of it. Now I know the math behind the useless scheme thanks to you! Tysm keep going 👍👍

@vijaimahi6547 3 жыл бұрын

Oru appa solikodukara mari eruku...Thank you so much🤝..pa

@balugokul7290 3 жыл бұрын

romba nalla explain paneenga sir! ungala guru va pakran! thanks you for your knowledge sharing sir !

@AP_Kudumbam 3 жыл бұрын

Watched your Video exactly one Year Later and still a valid and important information for me to follow.. Thank you

@loneranger4765 3 жыл бұрын

Thalaiva enga irundenga ivlo naal. You are my Financial Guide. Found your video randomly and you are really helping.

@InvestmentInsightsTamil 3 жыл бұрын

Glad to hear that

@muthuswamy5449 3 жыл бұрын

Clear cut and straight forward speech sir.....got to know about more and more things.Thank you❤️

@meenakshimurugappan2744 2 жыл бұрын

Romba azhaga puriya vaikiringa sir romba porumaya puriya vaikiren ga.neenga sonnathuku aparam than enaku index fund purinthathu

@srimathuramsmedicalenginee7710 2 жыл бұрын

இத்தருணத்திற்கு தேவையான விளக்கம். மிக்க நன்றிங்க

@gunasekaranrengaswamy6595 3 жыл бұрын

Anazing explanation, I have taken ulip linked policies with high premiums few times and have discontinued them losing all money. Instead I could have taken term insurance as suggested by you. Wish someone was there to advise me earlier. Thank you Mr.Vijay Mohan 👍👌

@samrajnatarajan3259 2 жыл бұрын

another great video. Thanks for your eye-opening perspectives. even if you are PhD in India, financial knowledge is as good as an LKG student. You and Anand srinivasan are doing this extension education and I am sure in the community many will be benefit and generations will prosper

@luckyvel3 3 жыл бұрын

உங்கள் எளிமையான விளக்கங்கள் தொலைநோக்கு பார்வை நீங்கள் எடுத்துரைப்பது பொருளாதாரமாக இருந்தாலும் அதை நீங்கள் அன்புடனும் அக்கறையுடனும் சொல்லும் விதம் மனம் நெகிழ்கிறது பல ஐயப்பாடுகளை நீங்கள் எளிதாக விளக்கியுள்ளீர்கள் 🙏

@InvestmentInsightsTamil 3 жыл бұрын

மிக்க நன்றி!

@ldkdinesh 3 жыл бұрын

Great video Sir. I was contacted twice by ICICI folks for ULIP plans. With my little knowledge, I could only sense that even FD with compounding would give same return and couldn’t see beyond. This video is a eye opener. Simple, precise and easy to understand. Nandri 😊😊😊

@anandraj2314 3 жыл бұрын

Sir... Very enlightening. Awesome job. Much needed for our generation. Started binge watching your videos

@venkateshmurugadas7481 2 жыл бұрын

Thank you so much, Vijay. You have saved me from making a very bad financial decision. Thanks a lot.

@raghurammuthusamy8656 3 жыл бұрын

Excellent ! Appreciate the service you're doing to the society. Thanks a lot !

@ashariprasath9111 3 жыл бұрын

Well explained sir,you really cleared the myth of Term insurance.Thanks a lot👍

@fulmoon72 3 жыл бұрын

Bravo, simple and straightforward. Great initiative. Thanks

@Maranchezhiyan 2 жыл бұрын

THQ so much sir ,eavlo payreya vesaitha Simple solitena

@rameshkunalan5470 3 жыл бұрын

Boss the way you are communication is amazing

@prabagaran.s1285 3 жыл бұрын

Finally clear shout 👍 on the insurance , , nenga vera level

@ukeshchandrasekar895 2 жыл бұрын

Hi sir ! I don't know how to express my gratitude to u . Honour your efforts in sharing ur knowledge.!!

@keerthivasan1245 3 жыл бұрын

I thought to take term insurance and now i got clarity. Thanks for sharing this content. Thank you so much Sir

@radhikalyan23 3 жыл бұрын

Beautifully explained. I like your videos as they are short and crisp to the point. Thanks a lot!

@InvestmentInsightsTamil 3 жыл бұрын

Glad you like them!

@shanthir7741 3 жыл бұрын

You are an eye opener Sir. Thank you so much. 👌

@yestamilselvan 2 жыл бұрын

Mass thala..!!! I never imagined that I'll be addicted to such financial videos. Articulated explanations, succinct videos and above all they are from self proven person! Greetings from Germany 🇩🇪

@chetwilllydada1189 2 жыл бұрын

Understood things very clearly Thanks a lot sir

@dhasaiyansivaraman4305 3 жыл бұрын

Very good explanation Thank you very much sir. very useful video

@nagarajukarnam1820 3 жыл бұрын

Awesome knowledge n crystal clear explanation

@yuvarajyuvi2644 3 жыл бұрын

Recently I viewed most of your videos. And I suscribed too 😉. They are just awesome 😍. Thank you for your time and effort. It will really help lot of us.

@user-ev9fn5rp1f 3 жыл бұрын

Verry good explanation sir thank you so much

@KumariJNSG 3 жыл бұрын

Very well explained sir.. As usual Crisp and clear 👌

@sparkersclubesports5743 3 жыл бұрын

You are a gift for society, really appreciate

@hemanthkumarpadmanaban7531 2 жыл бұрын

excellent sir. Thank you very very much. This video is such an eye opener 👏

@harisnija 2 жыл бұрын

It's really good sir, now I know the difference, thank you so much sir 🙏

@arunseven007 3 жыл бұрын

Vera level explanation sir. I'll surely share this to my friends.

@raja03able 3 жыл бұрын

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

@Chrlprb 3 жыл бұрын

Great video sir.. more people will be benefited from this.

@abdulwahidooty4552 3 жыл бұрын

முக்கியமான தகவல் நன்றி சார்

@pskgandhi 2 жыл бұрын

Excellent, well explained.

@Ramanansureshchem 2 жыл бұрын

Very very nice valuable video sir. After this video I have purchased a term insurance. If you make a separate video to explain how to buy a helth insurance, it will be very useful sir. Thank you so much for the service you are doing.

@radhasrinivasan7901 3 жыл бұрын

Very clearly explained.

@futuretech8762 3 жыл бұрын

Your advices are much appreciated

@gopisrinivasan9459 3 жыл бұрын

Crisp and clear.. Sir 👌👏👏👏💐💐💐

@anandchandrasekar5253 2 жыл бұрын

Nice explanation sir, crystal clear..

@prabhuvelmurugan5301 3 ай бұрын

Late in the party, but definitely an eye opener. Appreciate the efforts! One of my friend referred your channel a year ago and missed it somehow. I am watching all your videos now and it is of immense help. Thanks is just a small word for all the good work that you have been doing!

@rivasmad 3 жыл бұрын

Excellent Explanation

@silango5679 2 жыл бұрын

Sir, superb explanation for term insurance.

@karthickraja1760 3 жыл бұрын

Thanks for the Eye Opening session Vijay Sir. I would always feel that the essence of Insurance purpose would be lost by the policies they are providing along with the Savings Scheme. Now I am Exploring the Suitable Term Insurance :)

@InvestmentInsightsTamil 3 жыл бұрын

Great to hear that.

@ramv9589 2 жыл бұрын

OMG... இதைவிட தெளிவா விளக்க யாராலும் முடியாது .... நீண்ட காலமாக எதை வாங்குவது என குழப்பத்திலேயே எதையும் வாங்காமல் விட்டுவிட்டேன்(yes bcz of high price). எனது குடும்பம் எனது வருமானத்தை மட்டுமே பிரதானமாக வைத்து இயங்குகிறது. எனக்கு ஏதேனும் என்றால் என்ன செய்வது என பெரும் நேரம் குழம்பியிருக்கிறேன். இப்போது நன்றாக தெளிந்திருக்கிறேன். எனது நன்பர்கள் மற்றும் உறவினர்களுக்கு இதை நிச்சயமாக கொண்டு செல்வேன்.

@rathimeena100 3 жыл бұрын

Very Good video, sir! Requesting you to give information on Health insurance + the best health insurance companies in the market. Thanks in advance.

@sathishkumarthangavel 2 жыл бұрын

It is an eye opener !! Thank you :)

@iammohanasudhan 2 жыл бұрын

Clear explanation Sir. Thank you

@aniruttha.r7556 3 жыл бұрын

This video is very useful. How buy best health insurance sir.. Pls share that video sir

@oomaigalthesam4013 3 жыл бұрын

தெளிவு👌🏻

@manjiniarul7192 Жыл бұрын

sema explanation! talk of experience!!

@rajeshrajesh-xy4uc 3 жыл бұрын

I have subscribed your channel recently, and all your vedio's are very simple and very informative sir 👌👌👌💖

@Mehendi_by_indu Жыл бұрын

Amazing content sir 😮 never thought this way

@PraneeFromUS 2 жыл бұрын

Anand Srinivas and You are open without any strings attached..!!

@madam1317 2 жыл бұрын

Very useful information sir 💐

@kanagaraja3248 3 жыл бұрын

Superb sir.... subscribed...!

@gokhulls1573 3 жыл бұрын

Well Explained, Master, U r eye opener for us

@raja03able 3 жыл бұрын

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

@ragothamanrajesh7808 2 жыл бұрын

Thalaiva you are great …

@ramharitham 3 жыл бұрын

Nicely explained. This was so informative

@InvestmentInsightsTamil 3 жыл бұрын

Glad it was helpful!

@sanjivkumar-pn8lr Жыл бұрын

Sir fantastic explanation 👌👌🏼🙏🏻

@mysairam1894 2 жыл бұрын

Thank you so much Sir for this eye opening video. You really taught us the seriousness of life insurance. We are currently in USA and would like to know some good companies offering term insurance for ten years since we are planning to return to India in ten years.

@InvestmentInsightsTamil 2 жыл бұрын

Check out term4sale.com and go with any company that has excellent rating.

@priyajanagu8257 4 жыл бұрын

Well explained Anna.. Thanks for sharing this information.

@raja03able 3 жыл бұрын

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

@leo7411 3 жыл бұрын

Nice information please tell as about the health insurance also

@saravanakumarsivasamy7933 Жыл бұрын

Please do a similar video for US as well. Also suggest how to choose different term plans, ways to save them. How to transfer to beneficiary, etc. I would like to hear along with your thoughts. I am eagerly waiting for it. Please consider this, it'll be a great help for Tamil community in USA.

@shanmugarajrajamani1890 2 жыл бұрын

Well explained sir

@deenathayalan9169 3 жыл бұрын

Wonder explanation sir

@sivatec7852 3 жыл бұрын

Wonderful explanation.👍🙏

@raja03able 3 жыл бұрын

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

@kamaladasanm9441 2 жыл бұрын

Very useful sir

@senthilkumaran52 Жыл бұрын

சார், நீங்கள் சொல்வது 100% உண்மை, உங்களோட ஐடியா 10 ஏர்ஸ் முன்னாடியே கிடைருந்தால் நானும் இப்போ கோடிஸ்வரன் ஆகி இருப்பேன், நீங்கள் நீடுடி வாழ வேண்டும் ஐயா.

@shashashawww 4 жыл бұрын

Nice explanation!!!

@raja03able 3 жыл бұрын

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

@jjeevanadhithya1812 Жыл бұрын

Useful video

@krishna-rn8tr 3 жыл бұрын

Wow... Wow... Wow... Awesome... Thank you

@raja03able 3 жыл бұрын

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

@syedibrahim1345 3 жыл бұрын

அருமையான விளக்கம்

@raja03able 3 жыл бұрын

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

@jaffera3756 4 жыл бұрын

Excellent sir...

@raja03able 3 жыл бұрын

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

@jeraldrajesh2044 3 жыл бұрын

This video can change Innocent investers from trap👍👍

@kpravikumar-su1yf 3 жыл бұрын

உண்மை சார் நான் நிறைய பாலிசி போட்டுவிட்டேன் அதை இன்வெஸ்ட்மென்டில் போட்டு இருந்தால் பணம் ரெட்டிப்பாகி இருக்கும்😂😂

@amirthalingamvignesh4181 2 жыл бұрын

Great information - thanks alot , is there any way to find best term insurance in India

@prabp9666 3 жыл бұрын

Thanks for the info sir!! What do you suggest for visa holders ? Buy from both places ?

@pugazhkrishna1522 3 жыл бұрын

Good explanation. I too follow the same method. I think the two dislikes come from "Agent" 😂.

@RamSay-do2uh 3 ай бұрын

Thanks for explaining nicely sir, big fan of you. I have a question, which premium paying term is profitable to me as a 29 year old - single payment,

@saravananr9370 Жыл бұрын

Term insurance ஐ எந்த company மூலம் எடுப்பது சார்.. நல்ல நிறுவனத்தை தேர்வு செய்வது எப்படி என்பதை ஒரு வீடியோ வாக பதிவிடுங்கள்..

@suunapaana2065 3 жыл бұрын

நன்றி தல 🙏🏻

@nowfalmohamed1066 3 жыл бұрын

Sir, pls talk about health insurance

@manigandanayya1778 3 жыл бұрын

Sir Kindly add a video for health insurance

@kowshik613a 3 жыл бұрын

Hi sir..Also please share your thoughts on health insurance.

@baba31183 2 жыл бұрын

Hello sir ..vanakkam ..Thanks for your inputs..Can you please suggest the good and term insurance conditions in USA if possible? Thanks

@rgsivacts 3 жыл бұрын

Excellent Sir

@raja03able 3 жыл бұрын

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

@chandraprakashmc7741 2 жыл бұрын

Sir simply, extraordinary.. understand to a layman ❤️. One point here if a person like me already purchased a endowment policy what should they do.. pls clarify and answer sir... Because I have took it 5yrs back and it's an 35yrs policy and my age now is 30 paying yearly 21k.. pls clarify sir..

@InvestmentInsightsTamil 2 жыл бұрын

See if you can surrender it early and buy a term insurance instead.

@vasudevansivalingam8494 4 жыл бұрын

I did all the nasty things whatever you’ve mentioned as mistake. I’m just started planning well based on the points you’ve given here. Great info 👍 thanks Vijay.

@InvestmentInsightsTamil 4 жыл бұрын

We all make mistakes. But we learn as we go... :)

@raja03able 3 жыл бұрын

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

@bharudayscooking 3 жыл бұрын

Thanks sir

@chiranjivi005 2 жыл бұрын

sir, can you please advice regarding best term insurance scheme currently available in india. Or, at least help us to filter the best one.

@user-gu9bp2cz2r 5 ай бұрын

Wow.. appreciate..

@deepakj6546 3 жыл бұрын

Health insurance pathium konjam pesunga sir and unga full videos paathutan semma knowledge kadachithu athuku romba thanks sir ❤️

@InvestmentInsightsTamil 3 жыл бұрын

Glad you liked the content. Health Insurance is in my To Do list.

@raja03able 3 жыл бұрын

Hi, I am a life insurance professional. I can help you provide Term Insurance at the lowest cost. Please reply to this message. Thanks

@sabais3267 2 жыл бұрын

Yes sir ur right i got pure term plan in 2018 ...just 408 rs for 33 yrs with sum assured 50 lakhs..

@rsanjay87 Жыл бұрын

👁️ opening content! RIP for ULiP and Endowment policies and agents 😂

@pandiyansampath8552 3 жыл бұрын

Sir , Thanks for useful video. Can u put video on medical insurance policy??

@InvestmentInsightsTamil 3 жыл бұрын

It is in my To Do list.