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Calling NRI DBers - Term Insurance...

Chalanachithram.com DB » New TF Industry Related » Archive through May 22, 2015 » Calling NRI DBers - Term Insurance « Previous Next »

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Happyguy415
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Posted on Thursday, May 21, 2015 - 06:39 pm:       


Saint:

ante god forbid, husband & wife ki edanna ithe, kids ni govt takecare seyyochu...inka evvarki ivvaka povachu..ade will vunte will prakaram ellipoddi!!




hmmm...mari aa "will" ane service emi free gaa ivvaru kadaa

ide ikkada chetta - edava chattaalu pedataaru...vaatiki dabbulu dobbestaaru
 

Saint
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Posted on Thursday, May 21, 2015 - 06:27 pm:       


Happyguy415:



anta draconian chattaalu unnaayaa?




ante god forbid, husband & wife ki edanna ithe, kids ni govt takecare seyyochu...inka evvarki ivvaka povachu..ade will vunte will prakaram ellipoddi!!
 

Happyguy415
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Posted on Thursday, May 21, 2015 - 06:24 pm:       


Saint:

US lo vunna properties, nee money motham govt dobbeyochu..kids ni govt take over seyyochu ...nee heir ni nuvvu decide cheyyaka pothe sava lacha problems vuntayi...




another thing :-)
if such laws are imposed -- how do those laws save a common man? Does the Govt offer free service to prepare Will?
 

Happyguy415
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Posted on Thursday, May 21, 2015 - 06:23 pm:       


Saint:

US lo vunna properties, nee money motham govt dobbeyochu..kids ni govt take over seyyochu ...nee heir ni nuvvu decide cheyyaka pothe sava lacha problems vuntayi...




anta draconian chattaalu unnaayaa?
 

Saint
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Posted on Thursday, May 21, 2015 - 06:19 pm:       


Happyguy415:



annai,
WILL lekapote nashtamulu emiti?




US lo vunna properties, nee money motham govt dobbeyochu..kids ni govt take over seyyochu ...nee heir ni nuvvu decide cheyyaka pothe sava lacha problems vuntayi...
 

Happyguy415
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Posted on Thursday, May 21, 2015 - 06:18 pm:       


Saint:




annai,
WILL lekapote nashtamulu emiti?
 

Saint
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Posted on Thursday, May 21, 2015 - 06:06 pm:       


Rajusk:




pending from 6 months ...eggjactly same part..notarize/2 witness




mee state requirement choodandi..maaku mandatory kaadu...witness mundu sign chesthe done..
 

Saint
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Posted on Thursday, May 21, 2015 - 06:06 pm:       


Ustad:

Maa state lo notary mandatory kadu. Just signatures and witnesses unte chalu.




Oh maadi same...ee weekend chsestha ithe..
 

Happyguy415
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Posted on Thursday, May 21, 2015 - 05:59 pm:       


Rajusk:

Yes




Thanks annayya.
 

Rajusk
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Posted on Thursday, May 21, 2015 - 05:53 pm:       


Happyguy415:


My only question is -- if I go back to India, and I continue to pay these premiums -- will the coverage still hold good




Yes
 

Happyguy415
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Posted on Thursday, May 21, 2015 - 05:30 pm:       


Blackmamba:

naku undi kaani 20 yrs saripotundaa..




When I was in India - I took term life for 25 Lakhs...30 Years

In USA - I heard (I may be wrong) -- 20 is most common...

Don't go for toooo much either...take what you need is best for your family.

For example: if you've a Home Loan -- take a term policy that can cover your home loan + some amount that can help sustain your family for 5-10 years.
 

Saint
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Posted on Thursday, May 21, 2015 - 05:29 pm:       


Happyguy415:



1M quotes:
Year 1-5: $30.26 per month

Year 6-20: $36.60 per month


My only question is -- if I go back to India, and I continue to pay these premiums -- will the coverage still hold good?



I dont know.
 

Happyguy415
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Posted on Thursday, May 21, 2015 - 05:28 pm:       


Saint:

oho..I took it for 1M..so double..cool.




1M quotes:
Year 1-5: $30.26 per month

Year 6-20: $36.60 per month


My only question is -- if I go back to India, and I continue to pay these premiums -- will the coverage still hold good?
 

Saint
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Posted on Thursday, May 21, 2015 - 05:24 pm:       


Happyguy415:



I took quote for $500K
You?




oho..I took it for 1M..so double..cool.
 

Happyguy415
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Posted on Thursday, May 21, 2015 - 05:23 pm:       


Saint:

naadi regular membership anduke intha difference aa? whats ur age?




I took quote for $500K
You?
 

Blackmamba
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Posted on Thursday, May 21, 2015 - 05:21 pm:       


Saint:

no take 30..u r stil young...20 ante 50 years dakane cover avuddi..nee pillalaki 21/22 vache daka anna vundali


vaakee.. thanks
 

Saint
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Posted on Thursday, May 21, 2015 - 05:18 pm:       


Blackmamba:

naku undi kaani 20 yrs saripotundaa..


no take 30..u r stil young...20 ante 50 years dakane cover avuddi..nee pillalaki 21/22 vache daka anna vundali
 

Saint
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Posted on Thursday, May 21, 2015 - 05:17 pm:       


Blackmamba:

ippudu maanesam anuko eppudo tappa taagatle.. aina telusuddaa ani


kastam anukunta..teliyaka povachu!
 

Saint
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Posted on Thursday, May 21, 2015 - 05:17 pm:       


Sachin:

term ki reg ki diff endi?




term: with in specified time, person pothene money vasthadi..pokapothe emi raadu ( worst case)
reg: poyina/pokapoyina maturity ipoyaka money vasthadi..(worst investment)
 

Blackmamba
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Posted on Thursday, May 21, 2015 - 05:16 pm:       


Happyguy415:

I have Costco Executive Membership.


naku undi kaani 20 yrs saripotundaa..

Saint:

but smoking telusthada teliyada anedhi naaku teliyadu...


ippudu maanesam anuko eppudo tappa taagatle.. aina telusuddaa ani
 

Saint
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Posted on Thursday, May 21, 2015 - 05:16 pm:       


Happyguy415:



Year 1-5: $17.56 per month
Year 6-20: $21.18 per month

ani choopistundi.
I have Costco Executive Membership.




naadi regular membership anduke intha difference aa? whats ur age?
 

Sachin
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Posted on Thursday, May 21, 2015 - 05:14 pm:       

term ki reg ki diff endi?
 

Happyguy415
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Posted on Thursday, May 21, 2015 - 05:12 pm:       


Saint:

32 for first 5 years, 40 for next 15 years choopisthundi




Year 1-5: $17.56 per month
Year 6-20: $21.18 per month

ani choopistundi.
I have Costco Executive Membership.
 

Saint
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Posted on Thursday, May 21, 2015 - 05:05 pm:       


Blackmamba:

okay.. emanna testlu sestadaa.. smoking no ani pedithe emanna teda vastadaa




yes..tests chestharu..but smoking telusthada teliyada anedhi naaku teliyadu...

OT shud answer this!
 

Blackmamba
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Posted on Thursday, May 21, 2015 - 05:04 pm:       


Saint:

30 years best


okay.. emanna testlu sestadaa.. smoking no ani pedithe emanna teda vastadaa
 

Saint
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Posted on Thursday, May 21, 2015 - 05:04 pm:       


Happyguy415:


Costco Protective Life quote is lower than the cheapest quote with A+ rating on this website, annai.




32 for first 5 years, 40 for next 15 years choopisthundi
 

Saint
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Posted on Thursday, May 21, 2015 - 05:03 pm:       


Blackmamba:

20 years ye naa max? 30 undadaa?



30 years best

kinda itchina old threads follow avvu..ee riders adagalo idea vasthundi!
 

Blackmamba
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Posted on Thursday, May 21, 2015 - 05:02 pm:       


Happyguy415:

Costco Protective Life quote is lower than the cheapest quote with A+ rating on this website, annai.


20 years ye naa max? 30 undadaa?
 

Happyguy415
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Posted on Thursday, May 21, 2015 - 05:00 pm:       


Tombrady:

term4sale.com




Costco Protective Life quote is lower than the cheapest quote with A+ rating on this website, annai.
 

Blackmamba
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Posted on Thursday, May 21, 2015 - 04:54 pm:       


Tombrady:


term4sale.com
go with any insurance company with A+ rating is fine


okay thanks..
 

Tombrady
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Posted on Thursday, May 21, 2015 - 04:52 pm:       


Blackmamba:

term insurance edi best.. any particular company aa leka edaina teesukovacha?




term4sale.com

go with any insurance company with A+ rating is fine
 

Blackmamba
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Posted on Thursday, May 21, 2015 - 04:50 pm:       

term insurance edi best.. any particular company aa leka edaina teesukovacha?
 

Ustad
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Posted on Thursday, May 21, 2015 - 04:48 pm:       


Saint:

its not done yet..u need to get it notarized and have 2 witnesses...

I am also yet to do it..pending from last 3 months..loll


Maa state lo notary mandatory kadu. Just signatures and witnesses unte chalu.
Forget what you know about buying fair businesses at wonderful prices; instead, buy wonderful businesses at fair prices - Munger to Buffett
 

Ustad
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Posted on Thursday, May 21, 2015 - 04:46 pm:       


Tombrady:


this is the big reason i wanted a will


Same here. US lo pedda assets emi levu...children main concern.
Forget what you know about buying fair businesses at wonderful prices; instead, buy wonderful businesses at fair prices - Munger to Buffett
 

Jai_ycp
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Posted on Thursday, May 21, 2015 - 04:45 pm:       

bottomline 60 varaku or your kids college ayye varaku undetattu chesukondi. if you are doing early than 35 go for 30 year. else go for 20 years. Don't depend upon employer based insurance.

sudi bagakapothe fire ayina roju daridram chuttukovachu.
the story of YCP and TDP in 2014 (AP)
http://www.chalanachithram.com/discus/messages/115/288306.html?1430496472
http://www.chalanachithram.com/discus/messages/115/288311.html?1430498160
the story of TDP in 2014 (T)
http://www.chalanachithram.com/discus/messages/115/288897.html?1431096876
 

Rajusk
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Posted on Thursday, May 21, 2015 - 04:44 pm:       


Saint:

.pending from last 3 months..loll





pending from 6 months ...eggjactly same part..notarize/2 witness
 

Tombrady
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Posted on Thursday, May 21, 2015 - 04:38 pm:       


Ustad:

who will take care of your children in case something happens to both parents.




this is the big reason i wanted a will
 

Ustad
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Posted on Thursday, May 21, 2015 - 04:37 pm:       

Here is my 2 cents about will in US:

Don't worry about desam assets...they will be handed over to right heirs.

2 key things in will are US assets and who will take care of your children in case something happens to both parents. You are fine as long as these 2 things are covered in the will.
Forget what you know about buying fair businesses at wonderful prices; instead, buy wonderful businesses at fair prices - Munger to Buffett
 

Tombrady
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Posted on Thursday, May 21, 2015 - 04:35 pm:       


Saint:

its not done yet..u need to get it notarized and have 2 witnesses...

I am also yet to do it..pending from last 3 months..loll




ade le i saw the instructions 2 witness vundali and notarizing etc

but for me filling the form big step done, probably will do it this weekend or next week, 3 months pending aa inka y thed eyyatam ujiless
 

Saint
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Posted on Thursday, May 21, 2015 - 04:34 pm:       


Tombrady:



lol vuncle that is diff. section,

anyways done with will thanks to saintuu




its not done yet..u need to get it notarized and have 2 witnesses...

I am also yet to do it..pending from last 3 months..loll
 

Tombrady
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Posted on Thursday, May 21, 2015 - 04:32 pm:       


Dreamcatcher:

you can request what you want to be done after your death...like, spread my ashes through out usa...or feed my body to fish in the sea...or donate every part of me to scientific research...itta, nee creativity inka.




lol vuncle that is diff. section,

anyways done with will thanks to saintuu
 

Gotcha
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Posted on Thursday, May 21, 2015 - 04:32 pm:       

once ur are past 35 no use taking insurance, rates vachi potayi. india lo invest chesukunte or if ur wife is working light teesuko akarledu. if u r the single source of income for family take insurance when u r below 35.
This Andhra real estate is for sale.
 

Dreamcatcher
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Posted on Thursday, May 21, 2015 - 04:31 pm:       


Jodhaa:




tappaipoyindi, ksheminchandi...adi fina wish ki ettukunevi...not bequest.
 

Saint
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Posted on Thursday, May 21, 2015 - 04:31 pm:       


Dreamcatcher:


you can request what you want to be done after your death...like, spread my ashes through out usa...or feed my body to fish in the sea...or donate every part of me to scientific research...itta, nee creativity inka.




deniki separate doc/section vundi bhayya...free ga itchadu!
 

Dreamcatcher
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Posted on Thursday, May 21, 2015 - 04:30 pm:       


Dreamcatcher:

you can request what you want to be done after your death...like, spread my ashes through out usa...or feed my body to fish in the sea...or donate every part of me to scientific research...itta, nee creativity inka.




scratch that...got confused with your final wish...bequest is one time gifting your money to anyone.

http://legal-dictionary.thefreedictionary.com/bequest
 

Jodhaa
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Posted on Thursday, May 21, 2015 - 04:29 pm:       


Dreamcatcher:

.like, spread my ashes through out usa...or feed my body to fish in the sea...or donate every part of me to scientific research...itta, nee creativity inka.


 

Dreamcatcher
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Posted on Thursday, May 21, 2015 - 04:27 pm:       


Tombrady:

Specific bequest daggara emi fill chesav




you can request what you want to be done after your death...like, spread my ashes through out usa...or feed my body to fish in the sea...or donate every part of me to scientific research...itta, nee creativity inka.
 

Saint
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Posted on Thursday, May 21, 2015 - 04:25 pm:       


Reentry:

saintesh undemo kanukkuntaanu
as of now i only pay the extra premium -- by default 2 times gross employer isthunnadu but mine is on top of it




idi tvaraga telusukoo...manaki 35 dataka malli fresh ga start cheyyali ante doola teeripoddi in case adhi continue cheyyataniki veelu kakapothe
 

Sanju
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Posted on Thursday, May 21, 2015 - 04:23 pm:       


Mass:

health insurance type a ? company vadu istunnadu kada




Life
 

Ustad
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Posted on Thursday, May 21, 2015 - 04:23 pm:       


Tombrady:

Specific bequest daggara emi fill chesav little bit confusing


left it blank.
Forget what you know about buying fair businesses at wonderful prices; instead, buy wonderful businesses at fair prices - Munger to Buffett
 

Saint
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Posted on Thursday, May 21, 2015 - 04:22 pm:       

minimum 250k nunchi 1M range lo entho kontha tesukondi!!

500k each spouse ina good!
 

Saint
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Posted on Thursday, May 21, 2015 - 04:21 pm:       


Reentry:

saintesh undemo kanukkuntaanu
as of now i only pay the extra premium -- by default 2 times gross employer isthunnadu but mine is on top of it




maa employer desi consulting..cover chesthunnadu 250k ..in case separate ithe, I can take over it..adi clear ga specific ga cheppadu!
 

Mass
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Posted on Thursday, May 21, 2015 - 04:20 pm:       


Sanju:




health insurance type a ? company vadu istunnadu kada
 

Sanju
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Posted on Thursday, May 21, 2015 - 04:19 pm:       


Mass:

term insurance gendi ra bhai




term end avuthaaney insurance end avuthundi...you won't get anything back...andukey cheap vasthundi
 

Mass
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Posted on Thursday, May 21, 2015 - 04:18 pm:       

term insurance gendi ra bhai
 

Sanju
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Posted on Thursday, May 21, 2015 - 04:18 pm:       

Costco vadidi vundi "Protective Life" 1.25M coverage ki $46/month ki ichadu for 20yr term. check cheyyandi..
 

Tombrady
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Posted on Thursday, May 21, 2015 - 04:10 pm:       


Ustad:

I did it this week and it's done in less than an hour.




Specific bequest daggara emi fill chesav little bit confusing
 

Reentry
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Posted on Thursday, May 21, 2015 - 04:09 pm:       

saintesh undemo kanukkuntaanu
as of now i only pay the extra premium -- by default 2 times gross employer isthunnadu but mine is on top of it
 

7kondalu
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Posted on Thursday, May 21, 2015 - 04:08 pm:       

thanks saintu
 

Saint
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Posted on Thursday, May 21, 2015 - 04:07 pm:       


Reentry:

maa employer tho supplemental term insurance theesukunna -- i have to pay the premium

inkaa extra avasaram antaara?




mee employer tho break up ithe enti situation? nuvvu take over cheyyocha?
 

Reentry
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Posted on Thursday, May 21, 2015 - 04:07 pm:       

maa employer tho supplemental term insurance theesukunna -- i have to pay the premium

inkaa extra avasaram antaara?
 

Saint
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Username: Saint

Post Number: 51411
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Posted on Thursday, May 21, 2015 - 04:06 pm:       


7kondalu:




http://www.chalanachithram.com/discus/messages/115/278595.ht ml?1421087599

http://www.chalanachithram.com/discus/messages/115/287423.ht ml?1429642237

http://www.chalanachithram.com/discus/messages/115/289861.ht ml?1432056993
 

Sanju
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Username: Sanju

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Posted on Thursday, May 21, 2015 - 04:06 pm:       


Ustad:

https://www.legacywriter.com/wills2.asp

I did it this week and it's done in less than an hour.




Cool! Thanks
 

Ustad
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Username: Ustad

Post Number: 24561
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Posted From: 206.16.133.52

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Posted on Thursday, May 21, 2015 - 04:06 pm:       


Saint:

WILL & TERM INSURANCE - ivi rendu mathram must & shoud ga cheyyandi miss avavkunda!!



Will done...term insurance set cheyyali.
Forget what you know about buying fair businesses at wonderful prices; instead, buy wonderful businesses at fair prices - Munger to Buffett
 

Ustad
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Username: Ustad

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Posted on Thursday, May 21, 2015 - 04:05 pm:       


Sanju:

Will ekkada/ela cheyyali? please advise...TIA



https://www.legacywriter.com/wills2.asp

I did it this week and it's done in less than an hour.
Forget what you know about buying fair businesses at wonderful prices; instead, buy wonderful businesses at fair prices - Munger to Buffett
 

7kondalu
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Username: 7kondalu

Post Number: 451
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Posted on Thursday, May 21, 2015 - 04:04 pm:       

couple of days back living will meeda thread choosina gurthu, evaridaggaranna link unda?
 

Sanju
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Username: Sanju

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Posted on Thursday, May 21, 2015 - 04:02 pm:       

Will ekkada/ela cheyyali? please advise...TIA
 

Tombrady
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Username: Tombrady

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Posted on Thursday, May 21, 2015 - 04:00 pm:       

saintuu thanks to you WILL tesukovali it is very important

already have term insurance, teuskoni vallu tesukoni very imp
 

Sanju
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Username: Sanju

Post Number: 858
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Posted on Thursday, May 21, 2015 - 03:59 pm:       


Saint:

Must & should ga teesukondi..dont show kakkurthi for $100 bucks per month.

for more info :refer the below old therads.

http://www.chalanachithram.com/discus/messages/125/174285.ht ml

http://www.chalanachithram.com/discus/messages/125/59616.htm l


WILL & TERM INSURANCE - ivi rendu mathram must & shoud ga cheyyandi miss avavkunda!!



+1
 

Saint
Legend
Username: Saint

Post Number: 51408
Registered: 01-2011
Posted From: 12.22.163.132

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Posted on Thursday, May 21, 2015 - 03:58 pm:       

Must & should ga teesukondi..dont show kakkurthi for $100 bucks per month.

for more info :refer the below old therads.

http://www.chalanachithram.com/discus/messages/125/174285.ht ml

http://www.chalanachithram.com/discus/messages/125/59616.htm l


WILL & TERM INSURANCE - ivi rendu mathram must & shoud ga cheyyandi miss avavkunda!!

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