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The importance of Term Insurance

Chalanachithram.com DB » New TF Industry Related » Archive through November 29, 2016 » The importance of Term Insurance « Previous Next »
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Kingaa_bongaa
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Posted on Tuesday, November 29, 2016 - 05:33 pm:       


Andhrawala:

got a quote for 1 million usd coverage. 20 year term. $125 per month.

Medical sekup on December 9th


not sure where u got this. average is 80 per month for 1 million coverage.
Manaki Manam Kingu, Choosevallaki Bongu.
 

Ntr_rocks
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Posted on Tuesday, November 29, 2016 - 05:14 pm:       


Jai_ycp:


anduke will and FT should be good anna...

Attanti jeevitam S nake situation vaste premium ekuva aina apudu kadadaam le...tondara ledu, ekuva aina nenu convince ayyake kadata...
 

Rocketk2
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Posted on Tuesday, November 29, 2016 - 05:11 pm:       


Jai_ycp:

iddaru kids putti pedha ayyaka night padukunnapudu acid reflex ledha heartburn tho chest gadi pain vasthe dhenamma heart attack


Lol!! :-) Same thought ni words lo ela pettala ani alochisthunna...
Inchu minchu ilanti sandarbamlone nenu insurance teesukunna. Looks like you are young .. lock in low rates !!
 

Jai_ycp
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Posted on Tuesday, November 29, 2016 - 05:06 pm:       


Ntr_rocks:

Not convinced yeah


vasthundhi. oka roju vasthundhi. iddaru kids putti pedha ayyaka night padukunnapudu acid reflex ledha heartburn tho chest gadi pain vasthe dhenamma heart attack emo ani vucha urguay la parutunte, pillalu face chusi emi avvutharo nenu lekapothe anna thought vachina roju vundhi choodu appudu
..
..
convince avvuthavu. appati daka enjoy.

by the way nenu kuda mid 30 lo teesukunna
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Ntr_rocks
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Posted on Tuesday, November 29, 2016 - 04:59 pm:       


Jai_ycp:


india enduku veltharu. lets say your kids are 10 and 13 at that time. will thye want to go back to india or complete studies here itself. appatiki india lo ela vuntundho parsthithi.

these are safeguards. like master card add, the feeling that your family will be financially safe if untoward thing happens to you is priceless. dhani kosamu kattachu.


Not convinced yeah....Nenu potanu ane thought kastam ga vundi, nenu poyaka vallu emavutaro ane thought kante...

So, nenu 60 ki mundu ponu, adi fix...So edi naaku waste...I am out..
 

Jai_ycp
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Posted on Tuesday, November 29, 2016 - 04:51 pm:       


Ntr_rocks:

family US nunchi India ki move ayyaru, apudu car, home etc loans anni kuda kattala ? Can't bank take those properties as liabilities ?




india enduku veltharu. lets say your kids are 10 and 13 at that time. will thye want to go back to india or complete studies here itself. appatiki india lo ela vuntundho parsthithi.

these are safeguards. like master card add, the feeling that your family will be financially safe if untoward thing happens to you is priceless. dhani kosamu kattachu.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Ntr_rocks
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Posted on Tuesday, November 29, 2016 - 04:44 pm:       


Rocketk2:

in my opinion, the main purpose of term insurance is to cover your family against debt leverage. In US, we stay leveraged significant portion of early life as house loans , car loans, investment loans etc. aaa time lo family ki burden pada kunda this covers. By 60, you should be cleared out of yours debts and responsibilities . That is the reason they are cheap .. there are terms that cover for later yrs but they will be expensive

Ee context lo I want to suggest disability insurance as well which is equally important


yes,

Worst case lo nenu sudden ga poya anukundam, family US nunchi India ki move ayyaru, apudu car, home etc loans anni kuda kattala ? Can't bank take those properties as liabilities ?

Ee question epudo nunchi vundi naaku, meeru ee angle lo post esaru kabatti adugutunna...
 

Rocketk2
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Posted on Tuesday, November 29, 2016 - 04:40 pm:       


Ntr_rocks:

I understand those. The only thing that I didn't like about this is after 60 yrs all the amount we paid is invalid and won't cover anything..


in my opinion, the main purpose of term insurance is to cover your family against debt leverage. In US, we stay leveraged significant portion of early life as house loans , car loans, investment loans etc. aaa time lo family ki burden pada kunda this covers. By 60, you should be cleared out of yours debts and responsibilities . That is the reason they are cheap .. there are terms that cover for later yrs but they will be expensive

Ee context lo I want to suggest disability insurance as well which is equally important
 

Ntr_rocks
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Posted on Tuesday, November 29, 2016 - 04:33 pm:       


Jai_ycp:


Once you have kids, your perspective will change :-). issue is by the time you have kids and wants to take it, premiums will rise due to age and other factors. So you can be a smart shopper and buy now or wait for the time you feel the need.


ala anukune start chesa le last year, deni kante will raasi, FT ki move avvatam better ani fix ayya...
 

Jai_ycp
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Posted on Tuesday, November 29, 2016 - 04:30 pm:       


Ntr_rocks:




Once you have kids, your perspective will change :-). issue is by the time you have kids and wants to take it, premiums will rise due to age and other factors. So you can be a smart shopper and buy now or wait for the time you feel the need.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Ntr_rocks
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Posted on Tuesday, November 29, 2016 - 04:18 pm:       


Uno:


Does you car insurance premiums come back ?
I think your life is not more valuable than your car




Liability mandatory, thats govt rule. lekapothe oka 3-5K car koni asalu insurance ee kattanu..

Comprehensive aithe car ki edanna aithe adi vunapude cover chestadi...car pothe KBB price vastadi...

Auto Insurance vs Term insurance comparison not correct...

Car
 

Uno
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Posted on Tuesday, November 29, 2016 - 04:16 pm:       


Ntr_rocks:

I understand those. The only thing that I didn't like about this is after 60 yrs all the amount we paid is invalid and won't cover anything..



Does you car insurance premiums come back ?
I think your life is not more valuable than your car
 

Ntr_rocks
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Posted on Tuesday, November 29, 2016 - 04:13 pm:       


Chiru_fan:

Saint annai, 20 years tharuvaatha yenti paristhithi?


Manam kattindi budida...I don't like thissuuu, anduke dropped..

Asale nenu vunnapudu anubavinchu raaja type...Naaku nachale, set kaale..
 

Sanju
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Posted on Tuesday, November 29, 2016 - 04:12 pm:       


Ntr_rocks:

I am looking coverage after 60 yrs, may be Am thinking too far..


realistic ga 60 tharvaatha coverage enduku? main worry avvalsindi kids education expenses gurinchi.. aa tharvaatha anni picha lite...investments ani, properties lantivi vundaney vuntai kada?
 

Manthri
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Posted on Tuesday, November 29, 2016 - 04:10 pm:       


Andhrawala:

selectquote.com



Which Insurance company is better ?

American General
 

Ilovemovies
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Posted on Tuesday, November 29, 2016 - 04:10 pm:       


Saint:




thanks saint...last year kooda ilage oka thread vesavu...term plus will kosam...aa rendu set chesanu...
I Love Movies....
 

Ntr_rocks
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Posted on Tuesday, November 29, 2016 - 04:09 pm:       


Jai_ycp:


Take 30 years term plan if you ar elate 20 or early 30.



Humpty_dumpty:


I understand those. The only thing that I didn't like about this is after 60 yrs all the amount we paid is invalid and won't cover anything..

I am looking coverage after 60 yrs, may be Am thinking too far..:-)
 

Emc2
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Posted on Tuesday, November 29, 2016 - 04:06 pm:       


Rajusk:




will nen bhi thinking thinking not doing since long
 

Jai_ycp
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Posted on Tuesday, November 29, 2016 - 04:05 pm:       


Chiru_fan:

20 years tharuvaatha yenti paristhithi?



nothing. typically by that time your hous eis paid or you have lot of equity, kids education will be done. you wont need term insurance then.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Rajusk
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Posted on Tuesday, November 29, 2016 - 04:04 pm:       


Emc2:

agent for term insurence




adi already taken re..8 years back..

Will sangathi talking ..still did not do ani
 

Chiru_fan
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Posted on Tuesday, November 29, 2016 - 04:01 pm:       

Saint annai, 20 years tharuvaatha yenti paristhithi?
CHIRU - SACHIN - FEDERER
 

Twotown
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Posted on Tuesday, November 29, 2016 - 04:01 pm:       


Emc2:

smokers with 35 ante 60 t0 65/month for 20yrs term dorike chances unnayi



ayithe teesukuntaaa...thanksessssss
 

Sanju
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Posted on Tuesday, November 29, 2016 - 04:01 pm:       


Kantha_rao:

$1000 per year anukunna, $20,000 for 20 years....kaneesam $5000 kuda ivvakapodam endi maree anyayanga


kaavlantey avikooda vuntai...kakapothey monthly premiums vaasipothai like 250-500 range per month. aa rate lu vinnaka all holes moosukuni term policy thogondedheni
 

Emc2
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Posted on Tuesday, November 29, 2016 - 04:00 pm:       


Twotown:




smokers with 35 ante 60 t0 65/month for 20yrs term dorike chances unnayi
 

Emc2
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Posted on Tuesday, November 29, 2016 - 04:00 pm:       


Rajusk:




agent for term insurence
 

Jai_ycp
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Posted on Tuesday, November 29, 2016 - 03:59 pm:       


Ntr_rocks:



look at yopur commitments. Lets assume if your family needs to stay in usa and continue studies, so your insurance should cover

funeral expenses
+ Home and car loans
+ kids college education
+100-200K for your wife to settle down till she could generate income for day to day consumption.

whatever the number is good for you. Fate bagokapothe you can get fired and the next day get hit by truck.

Take 30 years term plan if you ar elate 20 or early 30.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Humpty_dumpty
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Posted on Tuesday, November 29, 2016 - 03:56 pm:       


Ntr_rocks:

Only FT ki tesukundam ani fix ayya...


coverage yekkuva undadhu basu
chala places lo 5 times base will be max

after 5 yrs job change awwalsi vasthay...we will be at a handicap due to age and guage
 

Humpty_dumpty
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Posted on Tuesday, November 29, 2016 - 03:54 pm:       

naa mgr 15 yrs nundi same company...group ins through company a
and also used to buy supplemental coverage out of pocket, which is still less cost

nenu ilaa additional gaa term set chesaanu ani cheppa....

by mid-late 30s u wont get good prices on term Life.

again, this is just like taking car insurance....
india type LIC return plans are different


maa warald famos ashburn lo some desis starting insurance agency side business
 

Kantha_rao
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Posted on Tuesday, November 29, 2016 - 03:54 pm:       


Andhrawala:

//3. motham term (20 years) ayipoyaaka brathiki unte kuda motham istaada or nuvvu poledu ani discount esi istaada ?

Naya paisa ivvadu. nuvve bathikunte inkaa icchedhi emundhi.




$1000 per year anukunna, $20,000 for 20 years....kaneesam $5000 kuda ivvakapodam endi maree anyayanga

Thanks annay :-)
 

Ntr_rocks
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Posted on Tuesday, November 29, 2016 - 03:54 pm:       


Humpty_dumpty:

old FTE company lo AIG ..5 times base sal
new FTE company lo prudential anukundhaam ...3 times base sal anukundhaa

it changes every time you shift jobs and employer offers group insurance options
dont count on it

do your own...having both is best deal


Antha easy ga ponu ane nammakam...Only FT ki tesukundam ani fix ayya...:-)
 

Ntr_rocks
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Posted on Tuesday, November 29, 2016 - 03:53 pm:       


Sanju:

nenu attage anukuni late chesa..FT employer gaadu isthunnad kada ani..waadu ichindi max 600k. realise ayye sariki out side term insurance vaadu age naa baar ani decide chesaadu


Nenu konni FT's ki Million dollar kante ekuva chusa...Depends on company.
 

Sanju
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Posted on Tuesday, November 29, 2016 - 03:51 pm:       


Ntr_rocks:

Basic ga FT tesukovatam better anipinchindi every year seperate ga deniki katte badulu...So, looking for FT


nenu attage anukuni late chesa..FT employer gaadu isthunnad kada ani..waadu ichindi max 600k. realise ayye sariki out side term insurance vaadu age naa baar ani decide chesaadu
 

Twotown
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Posted on Tuesday, November 29, 2016 - 03:50 pm:       


Ntr_rocks:

I started with research with costco and they kontha mandi db members links ni follow ayya



choosthaa ayithe....
 

Humpty_dumpty
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Posted on Tuesday, November 29, 2016 - 03:50 pm:       

old FTE company lo AIG ..5 times base sal
new FTE company lo prudential anukundhaam ...3 times base sal anukundhaa

it changes every time you shift jobs and employer offers group insurance options
dont count on it

do your own...having both is best deal
 

Andhrawala
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Posted on Tuesday, November 29, 2016 - 03:48 pm:       


Rajusk:


adi non-IT vallaki kada..

mana sedentary life ishtyle ki 30 is the new 40 kada rao garu




1 in 10000 may die before 50 years even in IT guys

30 is new 40 anukunna, mana parents are alive till 80 years ate we might survive till 70 years kathaa
No Signature
 

Ntr_rocks
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Posted on Tuesday, November 29, 2016 - 03:48 pm:       


Twotown:


konni links kottandi annai... i will get estimates


I started with research with costco and they kontha mandi db members links ni follow ayya
 

Ntr_rocks
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Posted on Tuesday, November 29, 2016 - 03:47 pm:       


Emc2:



every time when you change the job it will be gone, get a term life on your own


New company FT ki poyina cover avuddi ga....Consulting total ga maneyali
 

Twotown
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Posted on Tuesday, November 29, 2016 - 03:47 pm:       


Rajusk:

1 million coverage aithe ..1300/1400 per annum ki ravochu ani guess...



konni links kottandi annai... i will get estimates
 

Andhrawala
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Posted on Tuesday, November 29, 2016 - 03:46 pm:       


Kantha_rao:


1. 20 years term teesukuni, 5 years ki tapa kattesthe motham amount istaada family ki or appati daaka kattindi calculate chesukuni istaada ?




Motham pvullo petti isthaadu


//3. motham term (20 years) ayipoyaaka brathiki unte kuda motham istaada or nuvvu poledu ani discount esi istaada ?

Naya paisa ivvadu. nuvve bathikunte inkaa icchedhi emundhi.
//4. edo problems valla madyalo terminate chesthe (say after 8 years) appati daaka kattindi anna istaara leka tooch antaara ?
eppatidaaka premium pay sesthe appati daaka vache risk ni cover sesthaadu

basically like Auto insurance policy. why the policy is in active with premiums paid, he will cover

after two years, suicidal death also will be covered
No Signature
 

Rajusk
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Posted on Tuesday, November 29, 2016 - 03:46 pm:       


Andhrawala:

30-50 years lo kicking bucket very low percentage




adi non-IT vallaki kada..

mana sedentary life ishtyle ki 30 is the new 40 kada rao garu
 

Rajusk
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Posted on Tuesday, November 29, 2016 - 03:45 pm:       


Twotown:

vunkle smoker 35ish ki entha paduddi...




1 million coverage aithe ..1300/1400 per annum ki ravochu ani guess...

there might be some online tools to give guesstimate
 

Twotown
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Posted on Tuesday, November 29, 2016 - 03:42 pm:       


Emc2:

nee enks full time lo coverage entha untadi

every time when you change the job it will be gone, get a term life on your own

nee age ki gauge ki ippudu ayithe seap ga dead seap ga yipothadi may be 40/month

gauge perigithe rate kuda peruguthu untadi, take mil dollar policy




vunkle smoker 35ish ki entha paduddi....
 

Rajusk
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Posted on Tuesday, November 29, 2016 - 03:41 pm:       


Emc2:

unkl agent ni contact cheyyi,

he will take care every thing, intikivachi chesi pothadu




what agent re..for will ?

Costco software there no?

nenu already koni..half fill chesi..aagipoyina..
 

Rajusk
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Posted on Tuesday, November 29, 2016 - 03:40 pm:       


Hadoop:

..lets say after 5 yrs india velte abroad lo kuda work avutaya ?




Yes..work avuthundi across the globe
 

Emc2
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Posted on Tuesday, November 29, 2016 - 03:40 pm:       


Ntr_rocks:




nee enks full time lo coverage entha untadi

every time when you change the job it will be gone, get a term life on your own

nee age ki gauge ki ippudu ayithe seap ga dead seap ga yipothadi may be 40/month

gauge perigithe rate kuda peruguthu untadi, take mil dollar policy
 

Kantha_rao
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Posted on Tuesday, November 29, 2016 - 03:38 pm:       

Btw...appreciate you saint annay, for bringing this up and motivating people :thumb:
 

Ntr_rocks
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Post Number: 69872
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Posted on Tuesday, November 29, 2016 - 03:37 pm:       

I tried to buy term and life couple of times and dropped.

Basic ga FT tesukovatam better anipinchindi every year seperate ga deniki katte badulu...So, looking for FT
 

Kantha_rao
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Posted on Tuesday, November 29, 2016 - 03:37 pm:       

few questions annay...thittukunna parledu, answer cheyandi :D

1. 20 years term teesukuni, 5 years ki tapa kattesthe motham amount istaada family ki or appati daaka kattindi calculate chesukuni istaada ?
2. is it covered for all deaths like natural, accident or hosp lo 10 days gila gila kottukuni pothe ?
3. motham term (20 years) ayipoyaaka brathiki unte kuda motham istaada or nuvvu poledu ani discount esi istaada ?
4. edo problems valla madyalo terminate chesthe (say after 8 years) appati daaka kattindi anna istaara leka tooch antaara ?
 

Sanju
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Posted on Tuesday, November 29, 2016 - 03:29 pm:       


Bithiri_bathi:

mee age range kuda cheppandi idea vastundhi...intha takkuva ela pay chesthunnaro...mid-life crisis age range aa meedhi ?


2014 lo theesukunnappudu age 36. neninka ekkuva kaduthunna anukuntunna

mid-life crisis age lo theesukunte thakkuva avvudda? adi eppudosthado chepthey inkoti plan thoseddam...
 

Santhi_swaroop
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Posted on Tuesday, November 29, 2016 - 03:26 pm:       


Saint:




will medha kudaa nee details and views pettu. Janlaki use avuthundhi.

BTW good job for giving the details and pushing the DB on this term insurance.
ee Santhi_Swaroop flash back loo Paga_Babai_Paga
 

Bithiri_bathi
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Posted on Tuesday, November 29, 2016 - 03:23 pm:       


Sanju:

42 per month




mee age range kuda cheppandi idea vastundhi...intha takkuva ela pay chesthunnaro...mid-life crisis age range aa meedhi ?
 

Hadoop
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Posted on Tuesday, November 29, 2016 - 03:22 pm:       


Bithiri_bathi:

enti Trump presidency 8 years avvaka mundhey India velley plans unnaya




antee...current plan is not sure..to stay here forever or go back after few yrs...do both cases cover ayyevi emanna unnaya ani chustunna
 

Andhrawala
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Posted on Tuesday, November 29, 2016 - 03:22 pm:       


Sanju:

42 per month




enti inthaa cheapaaaa?? are u below 30 or 40.

below 30 aithee enthainaa waste. 30-50 years lo kicking bucket very low percentage. andhuke it will be very less

Me 46 years ante coverage till 66 years kabatti high price

75 for 500 K coverage annaadu.
No Signature
 

Sanju
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Posted on Tuesday, November 29, 2016 - 03:22 pm:       


Bithiri_bathi:

1 million term for 20 years aa ? details ettandi please


1.25M 20 yrs term through costco protective..details antey emuntai? Saint cheppinattu riders theesukotamey...medical chek up etc. chesthaaru..no smoke, no drink plus weekly physical activity gurinchi adigaadu..veetiki emanna discount ichi vundachu...
 

Tombrady
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Posted on Tuesday, November 29, 2016 - 03:21 pm:       

ide mukka 2014 nundi ee db la chepthunnam, cooker pette interest deniki pedithe maghichi ani instainsurance group tolded,
 

Saint
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Posted on Tuesday, November 29, 2016 - 03:20 pm:       


Bithiri_bathi:



1 million term for 20 years aa ? details ettandi please


anthe anukuntunna
 

Saint
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Posted on Tuesday, November 29, 2016 - 03:20 pm:       


Sanju:

42 per month




20 years term ithe u r around 35..30 years termm ithe u r below 30
 

Saint
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Posted on Tuesday, November 29, 2016 - 03:19 pm:       


Sony:

Saint uncle, Will still not done, aa link malli ivvu please




http://www.chalanachithram.com/cgi-bin/discus/board-auth.cgi ?file=/115/330980.html
 

Bithiri_bathi
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Posted on Tuesday, November 29, 2016 - 03:17 pm:       


Sanju:

42 per month




1 million term for 20 years aa ? details ettandi please
 

Saint
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Posted on Tuesday, November 29, 2016 - 03:16 pm:       

critial illness or Accelerated death benefit rider ni add cheyinchatam mathram marichi pokandi..last days lo financial stress lekunda peaceful ga povachu ee option vunte...
 

Sony
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Posted on Tuesday, November 29, 2016 - 03:16 pm:       

Saint uncle, Will still not done, aa link malli ivvu please
 

Bithiri_bathi
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Posted on Tuesday, November 29, 2016 - 03:16 pm:       


Hadoop:

lets say after 5 yrs india velte abroad lo kuda work avutaya




enti Trump presidency 8 years avvaka mundhey India velley plans unnaya

 

Emc2
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Username: Emc2

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Posted on Tuesday, November 29, 2016 - 03:15 pm:       


Rajusk:




unkl agent ni contact cheyyi,

he will take care every thing, intikivachi chesi pothadu
 

Hadoop
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Posted on Tuesday, November 29, 2016 - 03:15 pm:       

koncham db peddalu ee scenarios ki work ayye policies cheppandi


...suppose ika 20 yrs term insurance tesukoni.....lets say after 5 yrs india velte abroad lo kuda work avutaya ? if not global gaa work ayye term insurance policies cheppandi
 

Sanju
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Posted on Tuesday, November 29, 2016 - 03:15 pm:       


Andhrawala:

Sanju nee quote enthaa $25 pe rmonth or 50 per month


42 per month
 

Saint
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Posted on Tuesday, November 29, 2016 - 03:14 pm:       


Hadoop:

saint uncle....koncham deni meeda light veyandi....suppose ika 20 yrs term insurance tesukoni.....lets say after 5 yrs india velte abroad lo kuda work avutaya ? if not global gaa work ayye term insurance policies cheppandi


anni kavu....protective avuddi ani cheppinattu gurthu...

Best take international policy...last time India premiums tho compare chesthe, US lo 1/3 price ki vasthundi for my age.....
 

Andhrawala
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Posted on Tuesday, November 29, 2016 - 03:14 pm:       


Sanju:

mee age bar ani thelusu kaani intha baaaaar anukoledu uncle




Sanju nee quote enthaa $25 pe rmonth or 50 per month
No Signature
 

Santhi_swaroop
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Posted on Tuesday, November 29, 2016 - 03:13 pm:       


Rajusk:

1. Will - still not done :-( (initial gaa work sesina computer crashed..have to start from scratch again)




deni meedha DB lo details milk share chesi OT lanti kurradi chetha marketing cheyindhi oka chinna size viplam tevali.

This is good for all NRIs. aa cooker thread kanna ilanti threads marketing chalaa IMP.
ee Santhi_Swaroop flash back loo Paga_Babai_Paga
 

Hadoop
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Posted on Tuesday, November 29, 2016 - 03:12 pm:       


Saint:

go with costco.com (protective for 20 years)

else term4sale.com thru vellandi....agents tho matladi meetings set up cheyyandi....




saint uncle....koncham deni meeda light veyandi....suppose ika 20 yrs term insurance tesukoni.....lets say after 5 yrs india velte abroad lo kuda work avutaya ? if not global gaa work ayye term insurance policies cheppandi
 

Risingstar
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Username: Risingstar

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Posted on Tuesday, November 29, 2016 - 03:12 pm:       

yes 2 months back expensive ayuna theesukunna....
CNKV
 

Saint
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Posted on Tuesday, November 29, 2016 - 03:10 pm:       


Gsn1:


Medical check up ledani, mallie Dec. 9th check up? confused.

Anyway, can you provide details about the agency through which you got the quote?




go with costco.com (protective for 20 years)

else term4sale.com thru vellandi....agents tho matladi meetings set up cheyyandi....


it will take 2-3 months to complete the whole process
 

Rajusk
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Posted on Tuesday, November 29, 2016 - 03:09 pm:       


Andhrawala:

1 million usd coverage. 20 year term.




$925 per year
 

Sanju
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Posted on Tuesday, November 29, 2016 - 03:09 pm:       


Andhrawala:

got a quote for 1 million usd coverage. 20 year term. $125 per month.


mee age bar ani thelusu kaani intha baaaaar anukoledu uncle
 

Andhrawala
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Username: Andhrawala

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Posted on Tuesday, November 29, 2016 - 03:09 pm:       


Gsn1:


Medical check up ledani, mallie Dec. 9th check up? confused.

Anyway, can you provide details about the agency through which you got the quote?




Thro employer aithe without medical checkup anna sodaraaa.

went thro selectquote.com

ee 125 anna figure is based on age. medical sekup tharuvaathaa guage ni batti quote peragocchuu
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Rajusk
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Posted on Tuesday, November 29, 2016 - 03:09 pm:       


Saint:

Will / Term insurance must n shud ga teesukondi!!!




1. Will - still not done :-( (initial gaa work sesina computer crashed..have to start from scratch again)
2. Term Insurance - idi okkate done..long back :D
 

Gsn1
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Posted on Tuesday, November 29, 2016 - 03:07 pm:       

Awala

-----------
got a quote for 1 million usd coverage. 20 year term. $125 per month.

Medical sekup on December 9th
------------

Medical check up ledani, mallie Dec. 9th check up? confused.

Anyway, can you provide details about the agency through which you got the quote?
 

Andhrawala
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Posted on Tuesday, November 29, 2016 - 03:00 pm:       


Starc:

health check up chestara? leka.. without medical checkup vi unnaya?




Employer daggara without medical chekup isthaaru

got a quote for 1 million usd coverage. 20 year term. $125 per month.

Medical sekup on December 9th
No Signature
 

Saint
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Posted on Tuesday, November 29, 2016 - 02:59 pm:       


Starc:

health check up chestara? leka.. without medical checkup vi unnaya?


check up cheyyakunda itchevi kooda vunnayi..but better get the check up done adn do it..
 

Starc
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Posted on Tuesday, November 29, 2016 - 02:53 pm:       

health check up chestara? leka.. without medical checkup vi unnaya?
Pandulu drainaige guntalo undi matladukuntai anta.. Chi Chi Manushulu ala ela untaru.. chi chi..
 

Saint
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Post Number: 65283
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Posted on Tuesday, November 29, 2016 - 02:51 pm:       

leni vallu ippatiki ina melkondi!!!! see whats happening around you...

Will / Term insurance must n shud ga teesukondi!!! we never know what will happen in future....better be prepared !!!

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