| Author | Message | ||
Sesani Megastar Username: Sesani Post Number: 21020 Registered: 08-2014 Posted From: 208.54.87.249 Rating: N/A |
Yes... None.. I am not a MOD.. I am the Common Man.. | ||
Hadoop Junior Artist Username: Hadoop Post Number: 847 Registered: 12-2014 Posted From: 99.127.225.114 Rating: N/A |
suppose ikada policy tesukoni after few yrs india perm gaa velte akada ..same insurace continue cheyocchhaa...what are the condition if we go out county permanently? | ||
Gandhiguevara Legend Username: Gandhiguevara Post Number: 52499 Registered: 10-2009 Posted From: 172.250.25.143 Rating: N/A |
vuncle baa research chesi naaku cheppe | ||
Yogesh Junior Artist Username: Yogesh Post Number: 295 Registered: 09-2012 Posted From: 49.205.122.234 Rating: N/A |
if u want to invest on your life means go to LIC There are lot of good plans | ||
Sesani Megastar Username: Sesani Post Number: 21019 Registered: 08-2014 Posted From: 173.54.170.179 Rating: N/A |
Yes I got the best rate available from NY Life because I have the best health condition as per their tests... We did all the analysis and our initial plan was to get both term and perm... like out of 200 per month my thought was 100 on perm and 100 on term (500k to 1M) policy... but 200 perm teeskunna... but Good Post bhayya! I am not a MOD.. I am the Common Man.. | ||
Brighton Comedian Username: Brighton Post Number: 1637 Registered: 05-2014 Posted From: 50.178.156.203 Rating: N/A |
tokkalo discussion .. LIC ni nammukondahe | ||
Rgb Comedian Username: Rgb Post Number: 1395 Registered: 06-2014 Posted From: 100.35.71.182 Rating: N/A |
most consumer advocates idhe cheptaru. Only advantage with combining them is it forces you to invest once you take the policy - good for undisciplined people | ||
Rocketk2 Junior Artist Username: Rocketk2 Post Number: 566 Registered: 03-2014 Posted From: 166.170.0.63 Rating: N/A |
The catch here is you pay lots of management fees for maintaining your money. at 2400/yr or 250k it is a very good plan. I dont know the specifics and your age but assuming early 30's, that is pretty good rate. Term Life is primarirly targetted to insure you until you outgrow the need for insurance. Most of the cases this is sufficient for us. A 30 yrs 1M policy at 1200/yr (or less). It protects loved ones from any finacial burdens in case of investments made(home etc) and provide some stability. I think this is a must for families with young kids. If nothing happens after 30 yrs you dont get anything. SO essential you set aside about 45k for 'purely' insurance purposes Permenant or whole life have signficantly higher premiums. A 30 yr 1M policy costs about 15k/yr (or less).This policy in addition to being a life insurance can be a a good estate-planning tool,in case you plan to own significant wealth. The proceeds will be tax free. You can take money out of your cash value for education and some other qualified expenses. If you are financially disciplined, all you need is a good term life insurace. For ex: use 1k to insure and put the remaining amount that would have cost you whole life in a index based mutual funds or ETF's or some thing.. automatically you will outgrow need for an insurace in 20 odd years. or you can take a smaller whole life(diversification) to pass it on to your kids or their kids. Overall it is a complicated topic. A good insurance agent can explain pros and cons so you can take a educated decision. IT doesnt have to be one or other.. you can mix and match The insurance companies are rated. So you can stick to 4 star or 5 star( may be a bit expensive). For term it may not matter but for whole life pick a good company. Northwest mutual is the best in terms of dividends they pay back. I dont know about NYLife. | ||
Sesani Megastar Username: Sesani Post Number: 21011 Registered: 08-2014 Posted From: 173.54.170.179 Rating: N/A |
Annayya... DB la Gummadi... Bayata Kota...  I am not a MOD.. I am the Common Man.. | ||
Sesani Megastar Username: Sesani Post Number: 21010 Registered: 08-2014 Posted From: 173.54.170.179 Rating: N/A |
Agreed  ...I am not a MOD.. I am the Common Man.. | ||
Vasu Side Hero Username: Vasu Post Number: 6073 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
Ayite save ayinav ayina cheppedi thinnamga cheppaleva? | ||
Rocketk2 Junior Artist Username: Rocketk2 Post Number: 565 Registered: 03-2014 Posted From: 107.77.89.94 Rating: N/A |
Generally, agree with the notion but there can be few exceptions. | ||
Rocketk2 Junior Artist Username: Rocketk2 Post Number: 564 Registered: 03-2014 Posted From: 107.77.89.94 Rating: N/A |
+ proceeds to you kids is tax free. Dheni benefits dhaniki vunnayi OT has done lot of research a while back. First you have to decide what is the purpose of insurance. Sometimes it is just in case of premature death. Sometimes it is more of wealth planing. Sometimes a combination. Needs ni batti policy plan chesikovali. I am about to get in my car but will post more little later | ||
Snoopdog Junior Artist Username: Snoopdog Post Number: 381 Registered: 01-2012 Posted From: 206.210.17.33 Rating: N/A |
NY LIFE  | ||
Tombrady Legend Username: Tombrady Post Number: 34818 Registered: 05-2012 Posted From: 216.163.216.11 Rating: N/A |
never mix investement with insurance | ||
Sesani Megastar Username: Sesani Post Number: 21004 Registered: 08-2014 Posted From: 173.54.170.179 Rating: N/A |
nuvvu cheppindi correct.. when i said i am paying 200 every month until death, i am not really paying.. after 13 yrs (I think) vacche dividends will pay my premium... so i am not screwed...  I am not a MOD.. I am the Common Man.. | ||
Vasu Side Hero Username: Vasu Post Number: 6058 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
You are screwed up then. There are other investment type insurances ani DB lo evaro vesaru I did pay attention at that time. Something like you pay 3-4k per annum up to 8-10 years and the returns from it will pay off the insurance type edo. In emergency you can withdraw or loan clear ga gurtu ledi I've to search for that old thread. Evening search chestha ni luck bagunte dorukutadi good luck | ||
Sesani Megastar Username: Sesani Post Number: 21003 Registered: 08-2014 Posted From: 173.54.170.179 Rating: N/A |
nope.. also term la after 60 chances of death are high so policy will jack up as u grow older.. Perm la i am paying 200 every month until death.. so changes... Basic business model is he is collecting 200 from me and bayata interest ki istaadu for 8% (I think).. naaku 4% return istaadu annually and dividends etc etc.. 3 yrs ayyindi teeskoni dnt remember exactly... I am not a MOD.. I am the Common Man.. | ||
Vasu Side Hero Username: Vasu Post Number: 6057 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
Term lo ivvara? | ||
Legend Username: Twitter Post Number: 37600 Registered: 10-2009 Posted From: 12.179.106.146 Rating: N/A |
blood test chesthadu NS ani mention chesthe inka further tests emi cheyadu..Alchol kooda no ani cheppu .. they will anyhow assume you are a social drinker..contackt NYlife and metlife they are big players | ||
Chiru_fan Megastar Username: Chiru_fan Post Number: 22588 Registered: 04-2008 Posted From: 96.244.187.105 Rating: N/A |
cheyyaru annai....kaani disclosure statement meeda raayinchukuntaaru! CHIRU - SACHIN - FEDERER | ||
Sesani Megastar Username: Sesani Post Number: 21001 Registered: 08-2014 Posted From: 173.54.170.179 Rating: N/A |
seyyadu... but if anytime they get to knw u smoke... policy lapse aithadi I am not a MOD.. I am the Common Man.. | ||
Mental_sachinodu Hero Username: Mental_sachinodu Post Number: 17398 Registered: 10-2008 Posted From: 208.85.131.68 Rating: N/A |
nenu non-smoking yee.. but vaadu teshting sesthaada... gootle doubt vassindhi..
.. soostha unte.. mee intikossi santhakam ettinchukoni form thane fost sese laa unnaadee...
inka orientation start kaaledhu kotha flace lo... before thattt options soosukundham ani.. vaadu option iyyaka pothe, or nachaka pothe.. bayata plan tho proceed avvochu ani thinking... | ||
Sesani Megastar Username: Sesani Post Number: 20999 Registered: 08-2014 Posted From: 173.54.170.179 Rating: N/A |
age valla chanipothe kuda u get the money back... natural death anuko I am not a MOD.. I am the Common Man.. | ||
Sesani Megastar Username: Sesani Post Number: 20998 Registered: 08-2014 Posted From: 173.54.170.179 Rating: N/A |
some how the concept of term naaku nacchaledu bhayya... perm la we are not losing money... 250k policy ki i am paying 200 per month.. by the time i reach 60 naa policy kuda perugutundi and i get all the money back at that time... I am not a MOD.. I am the Common Man.. | ||
Vasu Side Hero Username: Vasu Post Number: 6055 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
What is this? | ||
Sanju Junior Artist Username: Sanju Post Number: 759 Registered: 02-2008 Posted From: 208.178.195.218 Rating: N/A |
Costco thru Protective Life Insurance lo theesukunna 1.4M for 45/month | ||
Sesani Megastar Username: Sesani Post Number: 20997 Registered: 08-2014 Posted From: 173.54.170.179 Rating: N/A |
link ledu, agent through bro.. kaavalante email chesta (after i get the info) I am not a MOD.. I am the Common Man.. | ||
Legend Username: Twitter Post Number: 37599 Registered: 10-2009 Posted From: 12.179.106.146 Rating: N/A |
if you are nonsmoker <40 you can get a term policy for a million in < 70 per month ..smoker aithe double auddhi | ||
Maharshi Side Hero Username: Maharshi Post Number: 6708 Registered: 02-2008 Posted From: 170.146.221.26 Rating: N/A |
evaritho emi matladuthunnav unkul...ayanaki unnade ekkadi leni opika the patience ..manchi link with filled sample form tho kodathadu chudu | ||
Maharshi Side Hero Username: Maharshi Post Number: 6707 Registered: 02-2008 Posted From: 170.146.221.26 Rating: N/A |
Ante ...adi mariii Thread padda prathi sari ee icon lo chiru la lestha ..malli kasepatiki anthe padukunta  | ||
Mental_sachinodu Hero Username: Mental_sachinodu Post Number: 17397 Registered: 10-2008 Posted From: 208.85.131.68 Rating: N/A |
thhyanks vunkl..
maradhe.. thats mom.. googling sesthe 100s company vasthannayi... full confuse ho jatha...
aapice lo free coverage vunkl.. soo far so pedhaga alosinchaledhu.. andhulo inthaka mundhu baggage kante ippudu weight perigindhi soo....
thanks bro...
jara vopika sesukoni.. link idhar dhaaliyo.. | ||
Vasu Side Hero Username: Vasu Post Number: 6048 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
How could you miss Life Insurance annai?  | ||
Sanju Junior Artist Username: Sanju Post Number: 758 Registered: 02-2008 Posted From: 208.178.195.218 Rating: N/A |
Manaki 60 Yrs tharvaatha Life insurance enduku? I mean mana meeda depend ayyevallu evaruntaaru? | ||
Maharshi Side Hero Username: Maharshi Post Number: 6700 Registered: 02-2008 Posted From: 170.146.221.26 Rating: N/A |
 yess ... ee sarii fix | ||
Sesani Megastar Username: Sesani Post Number: 20982 Registered: 08-2014 Posted From: 170.200.168.16 Rating: N/A |
MS bro...I would suggest to take a Perm Policy rather than a term policy.. Perm aithe even though u pay way more at least u get the money back along with the life insurance coverage... Term after 60 yrs premium pamba regutadi and what ever u have paid is gone too... Nenu NY Life la teeskunna... the best part abt them is even death by age is kuda money vastadi... I think there are very few companies who do that I am not a MOD.. I am the Common Man.. | ||
Sanju Junior Artist Username: Sanju Post Number: 757 Registered: 02-2008 Posted From: 208.178.195.218 Rating: N/A |
Costco vadi daggara theesukondi term policy - Cheap ga vasthundi.. | ||
Chiru_fan Megastar Username: Chiru_fan Post Number: 22575 Registered: 04-2008 Posted From: 96.244.187.105 Rating: N/A |
Annai, meeru F/T ayithee mee employer meeku options isthaadu kadaa? general gaa 5 X SAL option select sesthaaru saala mandi CHIRU - SACHIN - FEDERER | ||
Bunty717 Moderator Username: Bunty717 Post Number: 43855 Registered: 02-2008 Rating: N/A |
inkaa ledaa neeku life insurance.. bongulo bommal taravatha chudochu ee weekend first adi set cheyi.. | ||
Rgb Comedian Username: Rgb Post Number: 1385 Registered: 06-2014 Posted From: 162.115.236.104 Rating: N/A |
https://www.selectquote.com/ Insurance companies are heavily regulated so all/most of them are safe and selectquote apparently covers only companies in good financial standind. Cheapest ki velladam best with the amount/term | ||
Maharshi Side Hero Username: Maharshi Post Number: 6699 Registered: 02-2008 Posted From: 170.146.221.26 Rating: N/A |
ettagina ee thread ni nenu vaadukovalsinde..Dbo lo thread padda prathi sari anukunta .. come on Mental annai ki inputs ivvandi , RM la nenu nice ga vaadukuntaa | ||
Bunty717 Moderator Username: Bunty717 Post Number: 43854 Registered: 02-2008 Rating: N/A |
whom ante anybody.. howmuch ante min 4 X your pay | ||
Mental_sachinodu Hero Username: Mental_sachinodu Post Number: 17396 Registered: 10-2008 Posted From: 208.85.131.68 Rating: N/A |
ivvaalti varaki aapice lo life insurance policy undedhi... now looks like i have to get one on my own. any suggestions? with whom and how much? |