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Life insurance

Chalanachithram.com DB » New TF Industry Related » Archive through February 10, 2017 » Life insurance « Previous Next »
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Analog
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Username: Analog

Post Number: 4580
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Posted on Thursday, February 09, 2017 - 06:38 pm:       


Scorpio:

Job chese Wife unte...thanaki kudaa theesukovaalaa?



non working spouse ki kuda teesukunte best for below reasons

http://www.chooseterm.com/life-insurance-for-the-unemployed- spouse/

Many people falsely assume that only the loss of a working spouse will affect a family’s quality of life. Though a non-working spouse obviously brings in no earned income, they often take up many other valuable responsibilities like maintaining the house and caring daily for the couple’s children. Should that spouse pass away while children are still dependent, the working spouse must then make various adjustments in their life to try and make up for it. This could be anything from having to hire a nanny or daycare center to quitting their day job and finding other employment that allows them to spend more time taking up the responsibilities of their deceased spouse. This obviously can create financial strain on the family, and it may be a reason for taking out a more substantial life insurance policy on both spouses while they are still living.
 

Jeffa
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Posted on Thursday, February 09, 2017 - 05:45 pm:       


Analog:

guardian is sister-in-law

https://www.legalzoom.com/personal/estate-planning/last-will -and-testament-overview.html

very simple process andi..30 mins lo ayipothundi. 70$ is the charge

follow above link..fill in all details(who should be the guardian, how should be the property distribution between legal heirs etc etc )....after this is done , they will email you legal draft PDF...sign in front of notary , 2 witnesses required. CA state lo notary akkarledu..so office lo colleagues tho witness sign pettincha...witness cannot be your spouse

ee country lo kids unna vallu basic will must and should ga rayali...kids go to foster care if parents die with out will...



Good info.. bookmarked to follow this.
It looks like the estate planning kit could be also a good option on the same page.
 

Scorpio
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Posted on Thursday, February 09, 2017 - 05:45 pm:       


Saint:

and international living




Pls explain more...

Job chese Wife unte...thanaki kudaa theesukovaalaa?
Kaala garbham lo cheekati velthooru la, manishi loni manchi chedulu eppudoo poraaduthoone untai.....aa theerani pooratame, ee manava prasthanam
- PRASTHANAM, Sai Kumar.
 

Analog
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Posted on Thursday, February 09, 2017 - 05:07 pm:       


Saint:

20 vs 30 years shud be based on ur risk profile..ante 20 years ki kids settle ipotharu ..tarvahta poyina pedda farak padadu anukunte....lite....



+1

Mamamiya786:

legal zoom lo ela chegara ...can you share details .... mamamiya786@yahoo.com,
garurdian ga evarini pettaru ...incase of both parents expired....



guardian is sister-in-law

https://www.legalzoom.com/personal/estate-planning/last-will -and-testament-overview.html

very simple process andi..30 mins lo ayipothundi. 70$ is the charge

follow above link..fill in all details(who should be the guardian, how should be the property distribution between legal heirs etc etc )....after this is done , they will email you legal draft PDF...sign in front of notary , 2 witnesses required. CA state lo notary akkarledu..so office lo colleagues tho witness sign pettincha...witness cannot be your spouse

ee country lo kids unna vallu basic will must and should ga rayali...kids go to foster care if parents die with out will...
 

Saint
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Posted on Thursday, February 09, 2017 - 04:47 pm:       

20 vs 30 years shud be based on ur risk profile..ante 20 years ki kids settle ipotharu ..tarvahta poyina pedda farak padadu anukunte....lite....

kids putti settle avvataniki above 20 years pattuddi anukunte 30 years ki pondi..!!

mana family ki manam entha kalam ee safety provide cheddam anukune danni batti vuntadi...!!
 

Saint
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Posted on Thursday, February 09, 2017 - 04:44 pm:       


Analog:

Thanks to saint's threads about last will and life insurance


no mention akka..mee circle lo mugguru ni Term tesukunela cheyyandi...
 

Saint
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Posted on Thursday, February 09, 2017 - 04:43 pm:       


Sachin:



what is riders bhayya?




addon features lekka annattu...konni free..konntiki extra premium vuntadi

Waiver of Premium Rider
Accelerated Death Benefit Rider
Long-Term Care Rider

nenu ithe accelerated death benefit teesukonna..ante incase chronic disease vachi inko 6 months/1 year lo potham anukooo....insurance face value lo up to 70% munde pay cheshtadu..so medical expenses ki / maintenance ki family meeda stress vundadu...idi normally free....general ga vuntadi...oka sari chk chesukondi...

disability waiver vuntadi...

aadu free ga itche riders anni pettinchukoo....
 

Mamamiya786
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Posted on Thursday, February 09, 2017 - 04:37 pm:       


Sachin:

what is riders bhayya?




conditions vutai ...phalana phalana aaitje aply avvadu etc...this is very important.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Ntr_rocks
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Posted on Thursday, February 09, 2017 - 04:35 pm:       


Mamamiya786:


yeah may be ..Gym boy evaru valliddarilo ....


DR kurrod dappu kodatadu threads esi, AR kurrod fit ga lean 6 pack lo vuntadu...:-)
 

Mamamiya786
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Posted on Thursday, February 09, 2017 - 04:33 pm:       


Ntr_rocks:

davriramudu ki DrivierRamudu ki confuse ayyava...




yeah may be ..Gym boy evaru valliddarilo ....
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Mamamiya786
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Posted on Thursday, February 09, 2017 - 04:33 pm:       


Analog:

Thanks to saint's threads about last will and life insurance..both of us applied for Life insurance through NY life..iddariki kalipi 110 ichadu quote for 1M policy each..medical reports normal..hopefully our policies will begin this month..

I wrote Last will last year...just did a basic will through legal zoom, mainly to specify a legal guardian....atleast one parent rasthe chalu ...Peace of mind!!




1M , 30 years teesukondi ..general ga ladies ki avasram ledu ..but i took it .. your it is much less money together ..got for it.

legal zoom lo ela chegara ...can you share details .... mamamiya786@yahoo.com,
garurdian ga evarini pettaru ...incase of both parents expired....
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Ntr_rocks
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Posted on Thursday, February 09, 2017 - 04:32 pm:       


Mamamiya786:



Take 30 years life insurance ... i guess nike inka marriage avvaledu kada ....

but at 39 super rate ..manollaki ..bhari ettuna vastai quotes...in general.


Adavriramudu ki DrivierRamudu ki confuse ayyava...
 

Mamamiya786
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Posted on Thursday, February 09, 2017 - 04:30 pm:       


Adaviramudu:

vochindi $64 a month for 1 million current age 39
OK na sign up avvacha




Take 30 years life insurance ... i guess nike inka marriage avvaledu kada ....

but at 39 super rate ..manollaki ..bhari ettuna vastai quotes...in general.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Jeffa
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Posted on Thursday, February 09, 2017 - 04:19 pm:       


Mahiz:

India velthe .. we should be able to pay in dollars kada bhayya ..




Auv.. nuvvu ekkadunna cover sestaadu ante.. nuvvu eakkadunna.. vaadiki vaadi sommu pay cheyyaligaa tammi?
 

Mahiz
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Posted on Thursday, February 09, 2017 - 04:17 pm:       


Jeffa:

Better go for min 30 years term.
Dont count on the premium as a loss. Ask such people to come and meet your family after an accident(kaalchi boodida chestaar).
Go for min one million coverage.
all policies taken in US are valid across the globe as long as you are paying premiums.
Me and My spouse owns one million each for 30 years term, totally, we pay $2K/Year... (total $60K till 75 years of age).. I kept aside 60K(virtually) for this and shut my mind.




India velthe .. we should be able to pay in dollars kada bhayya ..
 

Khaleja
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Posted on Thursday, February 09, 2017 - 04:13 pm:       

Vitamine shoppe nunchi fish oil tablets thecha. vesukunna ventane vallantha erra ga ayipoyi mantalu vachesay. narakam kanapadindi. debhaki inkokati vesukoledu.
 

Humpty_dumpty
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Posted on Thursday, February 09, 2017 - 04:12 pm:       

I have same price at prudential
30 yrs
Option to Convert to whole life
 

Ntr_rocks
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Posted on Thursday, February 09, 2017 - 04:10 pm:       


Amaravathi:


direct ga fish tinte inkaa side effects ekkuva vunnai ee rojullo becoz of mercury and the fish feed...


Mostly, medicines ki duranga vunta...headache, or debba tagilina rest and let it heal naturally anta, elantivi tini leni poni techi pettukovatam istam vundadu...Oka sari try cheddam ani research chesi, drop ayya, deni kante roju oka 15 min running better
 

Stellar
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Posted on Thursday, February 09, 2017 - 04:09 pm:       


Amaravathi:


http://www.naturemade.com/fish-oil-and-omegas/fish-oil-and-o mega-3/fish-oil-1200-mg-burp-less#SySGWlw5lKg71Pkg.97




ivi rendu vesukovali kada. one tablet vi best emo
 

Amaravathi
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Posted on Thursday, February 09, 2017 - 04:06 pm:       


Ntr_rocks:

aa fish oil dabbas are not good. side effects ekuva vuntayi antaru...




direct ga fish tinte inkaa side effects ekkuva vunnai ee rojullo becoz of mercury and the fish feed...
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Amaravathi
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Posted on Thursday, February 09, 2017 - 04:05 pm:       


Maverick:

costco link padei


burpless konukko... lekapothe kampu bharinchalem regular vi..

http://www.naturemade.com/fish-oil-and-omegas/fish-oil-and-o mega-3/fish-oil-1200-mg-burp-less#SySGWlw5lKg71Pkg.97
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Ntr_rocks
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Posted on Thursday, February 09, 2017 - 04:05 pm:       


Maverick:

costco link padei


aa fish oil dabbas are not good. side effects ekuva vuntayi antaru...
 

Maverick
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Posted on Thursday, February 09, 2017 - 04:02 pm:       


Amaravathi:

fish oil


costco link padei
Happy Vizag
 

Jeffa
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Posted on Thursday, February 09, 2017 - 04:02 pm:       

Better go for min 30 years term.
Dont count on the premium as a loss. Ask such people to come and meet your family after an accident(kaalchi boodida chestaar).
Go for min one million coverage.
all policies taken in US are valid across the globe as long as you are paying premiums.
Me and My spouse owns one million each for 30 years term, totally, we pay $2K/Year... (total $60K till 75 years of age).. I kept aside 60K(virtually) for this and shut my mind.
 

Amaravathi
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Posted on Thursday, February 09, 2017 - 04:01 pm:       


Stellar:

amount?


1M
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Amaravathi
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Posted on Thursday, February 09, 2017 - 04:01 pm:       

Believe me... fish oil tabs does wonders to ur chol/triglycerides ...

120 nunchi 80 ki padindhi triglycerides by using the tabs for 3 months continuous.... of course, workouts kuda chesa for those 3 months weekly atleast 4 days
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Stellar
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Posted on Thursday, February 09, 2017 - 04:01 pm:       


Amaravathi:

$924/annum/30yr-term/AIG




amount?
 

Amaravathi
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Posted on Thursday, February 09, 2017 - 03:59 pm:       

Nen kuda mind lo fix ayyi blind ga ellipoya monna... $924/annum/30yr-term/AIG
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Maverick
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Posted on Thursday, February 09, 2017 - 03:53 pm:       

go for life
Happy Vizag
 

Analog
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Posted on Thursday, February 09, 2017 - 03:52 pm:       


Andhrawala:

But 20 year Term is too less.




we can start with term insurance and later make the same policy as whole life it seems
 

Analog
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Posted on Thursday, February 09, 2017 - 03:51 pm:       

Thanks to saint's threads about last will and life insurance..both of us applied for Life insurance through NY life..iddariki kalipi 110 ichadu quote for 1M policy each..medical reports normal..hopefully our policies will begin this month..

I wrote Last will last year...just did a basic will through legal zoom, mainly to specify a legal guardian....atleast one parent rasthe chalu ...Peace of mind!!
 

Amigo
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Posted on Thursday, February 09, 2017 - 03:48 pm:       

Agree with AW
pls read up whole life ins plans also and then decide
 

Andhrawala
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Posted on Thursday, February 09, 2017 - 03:48 pm:       


Chitti_babu:

Do you know the mere definition of Term insurance.....




Thelus bhayyaa


But 20 year Term is too less.

With increased life expectancies ivvalaa repu easy 80 plus bathukuthunnaaru


Better to have 30 years esp for people below 40
No Signature
 

Adaviramudu
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Posted on Thursday, February 09, 2017 - 03:44 pm:       


Sachin:

what is riders bhayya?




Saint come on we need this
TDP leaders Past NTR Present Babu Future Tarak
 

Adaviramudu
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Posted on Thursday, February 09, 2017 - 03:43 pm:       


Chitti_babu:

Provider evaru....vaadi reputation enti......conditions enti




Prudential insurance reputation bagane vundi
TDP leaders Past NTR Present Babu Future Tarak
 

Chitti_babu
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Posted on Thursday, February 09, 2017 - 03:42 pm:       


Andhrawala:

500*20=10K pretty much gone into drain unless death comes thro an accident




Do you know the mere definition of Term insurance.....
 

Adaviramudu
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Posted on Thursday, February 09, 2017 - 03:42 pm:       

sorry Term insurance for 20 years
TDP leaders Past NTR Present Babu Future Tarak
 

Stellar
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Posted on Thursday, February 09, 2017 - 03:39 pm:       


Stellar:

aa time lo pothene kada family ki use




arardham chesukokandi. aa time lo porapatuna pothe family ki insurance money help avuddani.
 

Sachin
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Posted on Thursday, February 09, 2017 - 03:39 pm:       


Saint:

69 not bad!! Ask for riders...and international living




what is riders bhayya?
 

Chitti_babu
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Posted on Thursday, February 09, 2017 - 03:38 pm:       

Provider evaru....vaadi reputation enti......conditions enti
 

Stellar
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Posted on Thursday, February 09, 2017 - 03:38 pm:       


Andhrawala:

500*20=10K pretty much gone into drain unless death comes thro an accident




aa time lo pothene kada family ki use
 

Andhrawala
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Posted on Thursday, February 09, 2017 - 03:36 pm:       


Adaviramudu:

Quote vochindi $64 a month for 1 million current age 39
OK na sign up avvacha




Adavi brother,

To be frank age 39 appudu quote will be less but really not needed unless there is some family history

ippudu 39 ki theesukuntee coverage will be done by the time u reach 60 years.

500*20=10K pretty much gone into drain unless death comes thro an accident
No Signature
 

Stellar
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Posted on Thursday, February 09, 2017 - 03:35 pm:       


Ntr_rocks:

Life ki kuda years vuntunda ? I thought only for Term




adi term ayuntadi
 

Emc2
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Posted on Thursday, February 09, 2017 - 03:35 pm:       

yes go go rama
 

Saint
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Posted on Thursday, February 09, 2017 - 03:35 pm:       

Rocks ayanadi term yee .. btw life kooda years vuntayi.. insuraned amount / no of years is the premium per year
 

Ntr_rocks
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Posted on Thursday, February 09, 2017 - 03:33 pm:       


Saint:

For how many years? Must be 20?


Life ki kuda years vuntunda ? I thought only for Term
 

Saint
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Posted on Thursday, February 09, 2017 - 03:32 pm:       

For how many years? Must be 20?

69 not bad!! Ask for riders...and international living
 

Adaviramudu
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Posted on Thursday, February 09, 2017 - 03:29 pm:       

thanks sesani
TDP leaders Past NTR Present Babu Future Tarak
 

Sesani
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Posted on Thursday, February 09, 2017 - 03:28 pm:       

Manchi rate... go ahead..
 

Adaviramudu
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Posted on Thursday, February 09, 2017 - 03:28 pm:       

Quote vochindi $64 a month for 1 million current age 39
OK na sign up avvacha
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