What will happen to your children’s education and the loans that you have taken
if something untoward happens to you? Where will your family live, how will they
fulfil their daily requirements?
Life insurance offers death benefits to your dependants. If you have Life Insurance
and something happens to you during that term, your family will have sufficient
funds to take care of your liabilities and remain self sustaining for long enough.
Term Insurance is the most basic form of insurance, the most inexpensive of all
life insurances and offers maximum death benefits. It can be taken for a fixed duration
generally up to 30 years or up to the maximum age specified by the insuring company.
Term policy provides coverage till the time you maintain the insurance and ceases
if you outlive the term.
While buying a term plan, it is most important to check the credibility of the insuring
company. Other than that, it is ideal to consider some basic points of references
from different companies offering same or similar term plans:
• Your age and corresponding premium
• Premium against the cover provided
• Extra premium charges as per the age
• Enhanced charges due to job profile
• Riders if available and related benefits
Buying a term insurance is almost hassle free except that you might be required
to undergo a medical examination to assess your health condition.
Provides security to the future of your family
Usually affordable and easy to understand
Covers your short-term financial needs
Customization with addition of riders
Maximum cover at the lowest premium
Be insured &
What is life insurance?
What is Term life insurance?
Why buy Term Life Insurance?
What are Term Life Insurance Advantages?
What are Term Life Insurance Disadvantages?
When is Term Life Insurance the right choice?
How do I determine the amount of coverage I need?
What will affect your Term life insurance rates?
Can I take more than one term plan?
Can the premium of my term insurance change?
Is medical examination necessary for the term insurance?
Is my life insurance policy convertible?
Will my final premium rates be the same as the rates you quoted on the Web site?
What is the Accidental Death Benefit rider?
What is the Waiver of Premium rider?
What is a paramed exam, why is it required, and how do I schedule one?
• Height/weight measurements
• Blood pressure readings
• Heart rate readings
• Urine sample
• Blood sample
• Medical history questionnaire
Why am I being asked for my financial information?
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