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Calling Term Life Insurance specialis...

Chalanachithram.com DB » TF Industry related » Archive through May 24, 2013 » Calling Term Life Insurance specialists « Previous Next »
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Rudraksha
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Posted on Saturday, May 25, 2013 - 01:50 pm:       

xperts, do's and don't do's konchem detailga cheppandi.
 

Rudraksha
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Posted on Saturday, May 25, 2013 - 01:42 pm:       


King:

20 years/1Mil -- 60/Month at age 34


is it NYLife? who is the provider? any health tests needed?
 

Dreamcatcher
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Posted on Friday, May 24, 2013 - 04:16 pm:       


Chillarodu:

I agree with him... cash options waste.




hmm, depends on the premium...definitely not worth if it is 270 per month.
 

King
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Posted on Friday, May 24, 2013 - 04:08 pm:       

20 years/1Mil -- 60/Month at age 34
Jagan/Chiru/CBN/JP/Sonia/Obama/Sachin/Sreesanth/Rick Perry
 

Chillarodu
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Posted on Friday, May 24, 2013 - 04:02 pm:       


Dreamcatcher:

why are you treating it as investment??



ayana cheppedhi kooda adhe.. don't look it as an investment so only take term insurance antunnadu.

I agree with him... cash options waste.
just take term insurance and pay less premium.
If you wanted to invest in retirement or for old age look for something else and not life insurance
 

Dreamcatcher
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Posted on Friday, May 24, 2013 - 03:56 pm:       


Kuyyo_morro:

I pay 270 for 40years. Naadi monthly.




Ekkuva anukuntunna...though you got it at such young age. Mee buddodi rate kooda ekkuvay emo.


Tombrady:

honest ga cheppalante they r bad not good investment




why are you treating it as investment??
 

Chillarodu
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Posted on Friday, May 24, 2013 - 01:40 pm:       

evaro chepthe.. okalla daggare 1M theesukune badhulu 2 different Insurance comnpanies daggara 0.5 theesukomante adhe chesaa..

Question: In case..company ethesthe.. FED emanna take over chesthundaa insurance policies ni?
 

Blackmamba
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Posted on Friday, May 24, 2013 - 01:40 pm:       


Tombrady:


thnksuu
 

Tombrady
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Posted on Friday, May 24, 2013 - 01:33 pm:       


Blackmamba:

eppati nuncho anukuntunna teesukovalani eti seyyalo seffu konchm.. age perigite premium perigiddemo late aite..




1)go to this site http://www.term4sale.com/

2)nee zipcode,health status etc details ichi

3)ur insurance amount should be 10 times ur salary best 5 times aina parledu..

5)oka list ostadhi AA rating A+ rating vunna companies broker list osthadi

near by you talk to them and take 30 yrs term one

u hsould be all set age perige koddi premium peruguddi

DO NOT FALL FOR CASH VALUE INSURANCES entha cheppina sare
 

Chillarodu
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Posted on Friday, May 24, 2013 - 01:25 pm:       

In case India move ayithe.. mee insurance valid aa?
idhi evaranna kanukunnara? naa agent gaadu sarigga answer cheyyaledhu idhi.. nenu theesukunnappudu..

I assume cover avvadhu emo anukuntunna..
vaadu term insurance ichetappudu US safe kaabatte antha thakkuva premium isthaadanukunta.. anyone knows?
 

Blackmamba
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Posted on Friday, May 24, 2013 - 01:16 pm:       


Tombrady:


eppati nuncho anukuntunna teesukovalani eti seyyalo seffu konchm.. age perigite premium perigiddemo late aite..
 

Tombrady
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Posted on Friday, May 24, 2013 - 01:13 pm:       


Chillarodu:

ayinaa term insurance ki per month antha kattatam enti Om namasivvaya?



Tombrady:

cash value insurance not term life


 

Chillarodu
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Posted on Friday, May 24, 2013 - 01:11 pm:       


Kuyyo_morro:

600 per year aa. Naadi monthly.




vaari naayano.. ee comedies enti andi..
cheppedhi sarigga complete cheyyandi..

nenu 200 kadathaa ante entha insurance ki and pm or pa naa?

ayinaa term insurance ki per month antha kattatam enti Om namasivvaya?
 

Tombrady
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Posted on Friday, May 24, 2013 - 01:10 pm:       


Kuyyo_morro:

Retire ayyaka appatiki bathiki unte will get cash back also. Appatiki lekunte, family will get it.




damn needi cash value insurance not term life

honest ga cheppalante they r bad not good investment

i know mortages ki use avvuthayi money oshtai antaru but calcualte chesthe

its a very bad investment
 

Tombrady
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Posted on Friday, May 24, 2013 - 01:09 pm:       


Maverick:

increasing premium ani undi..starting from now at 44th year, 120000 premium anta idemi comedy




30 yrs paina ivvaru term life...if u want to extend antha kattali anukonta

65 age ki ani artham emo
 

Kuyyo_morro
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Posted on Friday, May 24, 2013 - 01:08 pm:       


Tombrady:

270/month aa? term life insurance adi


Retire ayyaka appatiki bathiki unte will get cash back also. Appatiki lekunte, family will get it.
 

Tombrady
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Posted on Friday, May 24, 2013 - 01:06 pm:       


Kuyyo_morro:

600 per year aa. Naadi monthly.




270/month aa? term life insurance adi
 

Kuyyo_morro
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Posted on Friday, May 24, 2013 - 01:05 pm:       


Tombrady:

600/yr


600 per year aa. Naadi monthly.
 

Maverick
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Posted on Friday, May 24, 2013 - 01:05 pm:       

increasing premium ani undi..starting from now at 44th year, 120000 premium anta idemi comedy
Who is this DB member?

nenu anumanapu mogudu laaga jrNTR seelanni sankinchina maata nijam BUT mugguru karudugattina only balayya fans (who watched badshah tho) matladaka they certified "maakemi anipinchaledhu"
 

Tombrady
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Posted on Friday, May 24, 2013 - 01:04 pm:       


Chillarodu:

Initial Poster million policy gurinchi maatladathaante.. andharu vachi nenu $200 kadathannanate doubt vachindhi..




600/yr for 1 mil sounds abt right kada...mav salary 1*5(usually 10 times ur

salary) chesthe 1 million anukonta so adi tesukonnad
 

Kuyyo_morro
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Posted on Friday, May 24, 2013 - 01:03 pm:       

Naadi 750K. 1m kaadu.
 

Chillarodu
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Posted on Friday, May 24, 2013 - 01:02 pm:       


Tombrady:

half ee naadi...may be i took it when i was 29...so kasta takkuva



ok .5M ayithe.. ok. Initial Poster million policy gurinchi maatladathaante.. andharu vachi nenu $200 kadathannanate doubt vachindhi..
 

Tombrady
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Posted on Friday, May 24, 2013 - 12:59 pm:       


Chillarodu:

enti ivi 1 million insurance laa?

vaammo.. nenu $400 kaduthunna for half million




half ee naadi...may be i took it when i was 29...so kasta takkuva

nuvvu mari old age 35 lo tesukonnavemo j/k
 

Maverick
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Posted on Friday, May 24, 2013 - 12:58 pm:       

cman thank..ippude policy teesukunna..anduke asking..u have both husband and wife separate policy?
Who is this DB member?

nenu anumanapu mogudu laaga jrNTR seelanni sankinchina maata nijam BUT mugguru karudugattina only balayya fans (who watched badshah tho) matladaka they certified "maakemi anipinchaledhu"
 

Alochinchu
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Posted on Friday, May 24, 2013 - 12:58 pm:       


Maverick:

nw mutual vadu 1 million policy ki premium yearly 600+ icchadu..is this premium going to stay like that for the life of policy or increases by age?




increases by age and will also have term age 70 or 75.

between 35 and 55.. should have life insurance for the security of family..
they will give pro-rate list what you will be paying by age based.. at 50 the premium will be very high..

for long term it is better to take whole life.. premium is fixed.. initially will be expensive but long term it will be worth.. it is whole life.. it adds up cash value (after-tax).. since whole life will have limit of 90 or 95.. so pretty much sure beneficiaries will get that amount..
 

Chillarodu
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Posted on Friday, May 24, 2013 - 12:57 pm:       


Kuyyo_morro:

I pay 270 for 40years.




Tombrady:

i pay 264$/yr for 30 yrs




enti ivi 1 million insurance laa?

vaammo.. nenu $400 kaduthunna for half million
 

Kuyyo_morro
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Posted on Friday, May 24, 2013 - 12:53 pm:       


Uppu:

270 year ante great deal


Got it when I was 25. Entha young unte antha thakkuva untundi monthly premium.

Ma buddod ki 50 per month till he is 60.
 

Commonman
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Posted on Friday, May 24, 2013 - 12:53 pm:       


Maverick:


enni saarlu vesthavu same thread? :-)

more or less same premium paying (550 naukuntaA)

premium locked for policy tenure

take it from decent underwriter instead of some street side guy
 

Tombrady
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Posted on Friday, May 24, 2013 - 12:51 pm:       


Maverick:




30 yrs di tesuko...level term di all set...

i pay 264$/yr for 30 yrs
 

Uppu
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Posted on Friday, May 24, 2013 - 12:51 pm:       


Kuyyo_morro:

I pay 270 for 40years.


270 year ante great deal
âGenerations to come will scarce believe that such a one as this walked the earth in flesh and blood.â
 

Tombrady
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Posted on Friday, May 24, 2013 - 12:50 pm:       

yes LEVEL TERM INSURANCE aithey premium will be same for the term period
 

Uppu
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Posted on Friday, May 24, 2013 - 12:50 pm:       


Maverick:

1 million policy ki premium yearly 600+ icchadu


enni years, take at least 30 years. your family will be good until you retire.
âGenerations to come will scarce believe that such a one as this walked the earth in flesh and blood.â
 

Kuyyo_morro
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Posted on Friday, May 24, 2013 - 12:50 pm:       


Maverick:

is this premium going to stay like that for the life of policy or increases by age?


It stays the same for throughout the policy life.
Enni years ki ichadu 600.

I pay 270 for 40years.
 

Maverick
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Posted on Friday, May 24, 2013 - 12:47 pm:       

how does it work exactly?

nw mutual vadu 1 million policy ki premium yearly 600+ icchadu..is this premium going to stay like that for the life of policy or increases by age?
Who is this DB member?

nenu anumanapu mogudu laaga jrNTR seelanni sankinchina maata nijam BUT mugguru karudugattina only balayya fans (who watched badshah tho) matladaka they certified "maakemi anipinchaledhu"

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