Term Insurance: Parivaar ki Suraksha ka Sabse Behtar Tarika

Aaj ke samay me financial planning sirf savings aur investment tak simit nahi hai, balki apne parivaar ke future ko secure karna bhi utna hi zaroori hai। Term Insurance ek aisi insurance policy hai jo kam premium me zyada life cover provide karti hai। Iska main purpose policy holder ki death ke baad uske parivaar ko financial support dena hota hai।

Term insurance khaaskar un logon ke liye bahut zaroori hai jo apne parivaar ke single earning member hote hain। Agar kisi bhi karan se policy holder ke saath kuch ho jata hai, to term insurance unke parivaar ko financial problems se bachata hai।

Term Insurance Kya Hai?

Term insurance ek pure protection plan hota hai। Isme policy holder ek fixed time period (jaise 10, 20 ya 30 saal) ke liye insurance cover leta hai। Agar policy period ke dauran policy holder ki death ho jati hai, to nominee ko poora sum assured milta hai। Agar policy holder policy term ke end tak zinda rehta hai, to isme koi maturity benefit nahi milta।

Term Insurance Ke Fayde

• Kam Premium: Bahut kam premium me high life cover milta hai।
• Financial Security: Family ke future expenses secure hote hain।
• Tax Benefits: Income Tax Act ke tahat tax benefit milta hai।
• Peace of Mind: Policy holder ko mental satisfaction milti hai।

Term Insurance Kyun Zaroori Hai?

Aaj ke badhte hue kharchon ko dekhte hue sirf savings par depend rehna kaafi nahi hai। Term insurance family ke liye ek financial shield ki tarah kaam karta hai। Iska use home loan, education expenses, daily household kharchon aur medical emergencies ke liye kiya ja sakta hai।

Young age me term insurance lena aur bhi faydemand hota hai, kyunki us samay premium kam hota hai aur cover zyada milta hai। Saath hi, long-term policy lene se future ke risk bhi cover ho jate hain।

Term Insurance Kaise Choose Kare?

• Apni annual income ka kam se kam 10–15 guna cover choose kare
• Policy term apni retirement age ke hisaab se select kare
• Claim settlement ratio achha ho aisi company chune
• Riders jaise accidental cover ya critical illness cover ko samjhe

Term Insurance aur Endowment Policy Me Antar

Bahut log term insurance aur endowment policy ke beech confused hote hain। Term insurance sirf protection deta hai, jabki endowment policy protection ke saath savings bhi provide karti hai। Isliye term insurance ka premium kaafi kam hota hai aur life cover zyada milta hai।

Kuch Zaroori Galtiyan Jisse Bachna Chahiye

• Kam sum assured lena
• Health information galat dena
• Policy ko samjhe bina kharidna
• Nominee details update na karna

Conclusion

Term insurance ek smart aur zaroori financial decision hai jo aapke parivaar ko future ke uncertainties se bachata hai। Yeh ek aisa protection plan hai jo kam kharch me zyada suraksha deta hai। Agar aap apne loved ones ke liye financial safety chahte hain, to term insurance ko apni financial planning ka hissa zaroor banaye।