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Term insurance in india

Chalanachithram.com DB » New TF Industry Related » Archive through January 04, 2019 » Term insurance in india « Previous Next »
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Ramchander
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Posted on Wednesday, January 02, 2019 - 01:22 pm:       


Jeffa:

go to term4sale.com, choose A+ rating minimum. I had mine from AIG.


Thanks brother ippude chusina mee comment..will check that...Max entha policy better in general I am very new to this..And returns emina vosthaya brother katinavi
 

Balu_gani
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Posted on Wednesday, January 02, 2019 - 01:20 pm:       

US lo term insurance suggestions please
 

Parvatheesham
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Posted on Tuesday, January 01, 2019 - 06:22 am:       

Lic lo backfire ayina policies matuku mutual fund investments policies idhi big failure from LIC migitha insurance tho polisthe LIC okkate trustable
Best example SBI valladhe SBI life insurance ani oka customer court ki velthe rendu veru ani and SBI insurance is a private limited tappinchuknnaru
 

Hotmail
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Posted on Tuesday, January 01, 2019 - 05:08 am:       


Blundersucks:

Govt. abuses LIC wealth by asking them to invest into other PSUs. Govt. will pocket money via this disinvestment route. This is pure abuse of policyholders money.




idhe aithe correct they are investing other platforms and making loss for LIC wealth..
 

Hotmail
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Posted on Tuesday, January 01, 2019 - 05:07 am:       


Blundersucks:

for e.g lic term insurance of 1 crore for 30 years old cost around 16-17k..
private insurance companies like MAX life costs you 10-11k. so do you want to pay50 percent more premium for slightly better claims settlement ratio ?




agreed final ga manaku repu edhanna aithe settlement kaavali adhi evadu isthe vadu better na point of view lo LIC

few years back one of my relative taken health insurance for parents 25k per year 70 + age while filling the form they have mentioned the drinking and smoking habits after 9 months father got admitted and bill came 1 lakh then star hospital vadu due to drinking habits he got admitted we will not pay ani
oka document send chesi light tesukonnadu... my cousin lodge a compliant ni lok adalt lo file chesadu cut chesthe oka 6 months ki maa ku favour ga vachindhi and star vadu amount pay chesadu..ala vuntadhi private companys tho issue.
 

Blundersucks
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Posted on Tuesday, January 01, 2019 - 04:51 am:       

LIC policies are good for agents not for policyholders..

Govt. abuses LIC wealth by asking them to invest into other PSUs. Govt. will pocket money via this disinvestment route. This is pure abuse of policyholders money.
ee desa charitra choosina emunnadi garva karanam, Nara jaathi charitra samstam , parapeedana parayanatvaM
 

Blundersucks
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Posted on Tuesday, January 01, 2019 - 04:46 am:       


Hotmail:

Thanks for the link LIC ne Top lo vundhi ga ???? Claim Settlement ratio lo




true.. but 90 percent of these total outstanding lic policies are endowment type(insurance+investment). they give paltry returns(5-6%).. when it comes to term insurance LIC charges 50 percent more than private insurance companies.

for e.g lic term insurance of 1 crore for 30 years old cost around 16-17k..
private insurance companies like MAX life costs you 10-11k. so do you want to pay50 percent more premium for slightly better claims settlement ratio ?
ee desa charitra choosina emunnadi garva karanam, Nara jaathi charitra samstam , parapeedana parayanatvaM
 

Hotmail
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Posted on Tuesday, January 01, 2019 - 03:41 am:       


Blundersucks:

claim settlement ratio for 2017-18

http://assuredgain.com/term-insurance-claim-settlement-ratio -irda-2017-2018/




Thanks for the link LIC ne Top lo vundhi ga ???? Claim Settlement ratio lo

Term Insurance Claim Settlement Ratio (2017-18)
Insurance Provider
Insurance Claim settlement ratio
LIC 98.19%
Max Life 96.23%
Birla Sunlife 88.45%
Tata AIA Life 94.47%
Star Union Daichi 94.08%
ICICI Prulife 96.20%
PNB MetLife 92.90%
Bajaj Allianz 91.30%
Kotak Mahindra Life 90.73%
HDFC Std 95.02%
SBI Life 95.70%
Sahara Life 89.97%
AegonReligare 95.30%
Canara HSBC 92.99%
Exide Life 86.10%
Reliance Life 95.01%
Future Generali 90.61%
Aviva Life 82.00%
Bharti AXA Life 80.00%
IDBI Federal Life 84.79%
India First Life 72.21%
Shriram Life 65.66%
DHFL Pramerica 57.19%
Edelweiss Tokio 85.10%
 

Hotmail
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Posted on Tuesday, January 01, 2019 - 03:38 am:       


Stalker:





Amulya Jeevan Plan 190......2013 lo tesukonna nenu....


Ceded_reddy:




Sorry to say but truth adhe .... Jeevan Saral, Jeevan Ananad returns kante Mutual funds returns ekkuva, Nuvvu 15 years every year pay chesi amount lo 5% agent commission ki velluthundhi that is the reason they will prefer these polices jeevan saral kante jeevan anand better nenu telisi kuda tesukonna due to family obligations ... e kindha point correct...

Blundersucks:

Never mix insurance with investment.





https://www.personalfinanceplan.in/stay-away-from-lic-new-je evan-anand/

more detail e page check cheyyi
 

Matinee
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Posted on Tuesday, January 01, 2019 - 12:02 am:       

Nenu Aegon teeskuna...
 

Blundersucks
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Posted on Monday, December 31, 2018 - 11:59 pm:       

claim settlement ratio for 2017-18

http://assuredgain.com/term-insurance-claim-settlement-ratio -irda-2017-2018/
ee desa charitra choosina emunnadi garva karanam, Nara jaathi charitra samstam , parapeedana parayanatvaM
 

Blundersucks
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Posted on Monday, December 31, 2018 - 11:55 pm:       

MAX Life insurance
HDFC Life
ICICI Protect
SBI Life
Aegon Life

Ivanni term insurance ki best.. avoid LIC for term insurance.. Never mix insurance with investment. all those investment policies by LIC are bullshit. they are misguiding people.
ee desa charitra choosina emunnadi garva karanam, Nara jaathi charitra samstam , parapeedana parayanatvaM
 

Jeffa
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Posted on Monday, December 31, 2018 - 11:30 pm:       


Parvatheesham:

Money back insurance




NEVER EVER Consider Insurance with investment, its a BAD BAD and BAD idea.
Life Insurance = Term life insurance, full stop. Nothing else.
Why? Do some research online.
 

Parvatheesham
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Posted on Monday, December 31, 2018 - 07:38 pm:       

https://www.licindia.in/Customer-Services/NRI-Center

Please go through the above link for your reference
 

Parvatheesham
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Posted on Monday, December 31, 2018 - 07:29 pm:       


Enigmatic:

teesukovachha ?




Teesukovachu online procedure ante through Lic Agent or Development officer dwara velthe easy vuntundhi but you should provide Medical details if the sumassured is more than 5lakhs
 

Enigmatic
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Posted on Monday, December 31, 2018 - 07:23 pm:       

us lo vundi avi teesukovachha ?
 

Parvatheesham
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Posted on Monday, December 31, 2018 - 07:17 pm:       

Health plans kuda vunnai like Jeevan Arogya, cancer policies these policies are reimbursement policies based upon bills submitted 100%% claim SA will get reimbursed
 

Parvatheesham
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Posted on Monday, December 31, 2018 - 07:11 pm:       

Lic lo Jeevan Anand, Money back insurance children’s plans retirement plans even term plans kuda vunnai

Based upon your savings I will suggest you to take Jeevan Anand and Money bact (every 5 years returns vache plan)

Online mode kuda cheyachu I will suggest you If you provide your available time
 

Jeffa
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Posted on Monday, December 31, 2018 - 04:42 pm:       


Jeffa:

go to term4sale.com, choose A+ rating minimum. I had mine from AIG.




Here is the bible that I have been maintaining on this topic: https://docs.google.com/document/d/1Yw4A7Qze7umHc7oAlXV0xi3J ZEzppAR52PjCmiQIvvc/edit?usp=sharing
 

Blundersucks
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Posted on Monday, December 31, 2018 - 02:16 pm:       

term insurance in india - MAX life better.
ee desa charitra choosina emunnadi garva karanam, Nara jaathi charitra samstam , parapeedana parayanatvaM
 

Amaravathi
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Posted on Monday, December 31, 2018 - 02:13 pm:       


Jeffa:

I had mine from AIG.



me too
 

Entiodu
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Posted on Monday, December 31, 2018 - 02:10 pm:       


Stalker:

anthe antaava annai...ok thinking setha ee angle kooda




porapatuna India povalasi vasthey, LIC ayithey tax advantage vuntadi... mari ikkadi insurance sangati ento, if you want to weigh in that factor too...
 

Jeffa
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Posted on Monday, December 31, 2018 - 02:08 pm:       


Ramchander:

Brother US lo best edhi?



go to term4sale.com, choose A+ rating minimum. I had mine from AIG.
 

Baatasari
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Posted on Monday, December 31, 2018 - 02:05 pm:       

LIC vadu "jeevan" ane word ni kindesi meedesi.. inni policies ready chesad..

anni chadavali terms, just started.. seems lot of them conditions online are harsh - not sure if agents r able to tweak any of these offline ?
brahma satyam jagan-mithyä jivo brahmaiva näparah
 

Amaravathi
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Posted on Monday, December 31, 2018 - 02:03 pm:       


Stalker:

anthe antaava annai...ok thinking setha ee angle kooda




ee angle okkate choodu...India lo LIC waste if u are staying here
 

Stalker
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Posted on Monday, December 31, 2018 - 02:01 pm:       


Amaravathi:


anthe antaava annai...ok thinking setha ee angle kooda
Stalker - 'S'traight talker
GLASS - Greatest Leader Arrived for Social Service :D
 

Ceded_reddy
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Posted on Monday, December 31, 2018 - 02:01 pm:       


Hotmail:

Jeevan Anand waste




anta mata annaventi anna, recent ga ide teesukunna
 

Amaravathi
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Posted on Monday, December 31, 2018 - 02:00 pm:       


Stalker:



h1 bathukulaki antha scene untaada annai




nuvvu H1 aa kaadha anedhi Insurance ki anavasram vaya... if u are currently staying in USA, take it here only... even if u move out of country after few years...still same insurance premiums can be paid from India ...

take something like AIG or MetLife which has operations in India too
 

Stalker
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Posted on Monday, December 31, 2018 - 01:58 pm:       


Amaravathi:

India lo term insurance enduku sami... better take it in USA kadha...its very cheap here when compared to India...

for eg 35yrs age vunna non-smoker ki $1M(Rs.7cr) ki Annual premium is $900(Rs63K) vundochu for 30yrs term...




h1 bathukulaki antha scene untaada annai
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Stalker
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Posted on Monday, December 31, 2018 - 01:57 pm:       


Hotmail:


Jeevan Anand waste adhi normal insurance Amulya Jeevan anukonta repu chusi thread bump chestha




thanks hottiee
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Amaravathi
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Posted on Monday, December 31, 2018 - 01:45 pm:       

India lo term insurance enduku sami... better take it in USA kadha...its very cheap here when compared to India...

for eg 35yrs age vunna non-smoker ki $1M(Rs.7cr) ki Annual premium is $900(Rs63K) vundochu for 30yrs term...

adhe Rs.63K ki India lo LIC policy enthostadhi? max 1Cr?
 

Hotmail
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Posted on Monday, December 31, 2018 - 01:32 pm:       


Stalker:

lic lo edi?
jeevan anand na hottie lekapothe entivodu brother cheppinattu amulya jeevan na?




Jeevan Anand waste adhi normal insurance Amulya Jeevan anukonta repu chusi thread bump chestha
 

Hotmail
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Posted on Monday, December 31, 2018 - 01:30 pm:       


Saarang:

Agent costs 2x more than online?




Yes through agent vellithe costly endhuku ante vadu ani tests chesi policy isthadu and claim ratio was high

Online ki medical checkup’s vundavu vadu repu edho okkati chepi escape avva vachu andhukani better to go with lic agent with body checkup’s

https://www.google.co.in/amp/s/m.economictimes.com/wealth/in sure/how-to-buy-the-right-term-insurance-plan/amp_articlesho w/65080898.cms
 

Stalker
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Posted on Monday, December 31, 2018 - 01:27 pm:       

thanks guys..all of you..

aa jeevan anand undi aw annai...lic ye better antaara ayuthe hmm


Lolakulu:

coverfox


goodone aakul baa..thnx..


Hotmail:


Premium depends on age 50 lakhs ki online lo 12000 vunte through agent 24 vuntadhi rough ga cheputhuna


lic lo edi?
jeevan anand na hottie lekapothe entivodu brother cheppinattu amulya jeevan na?
Stalker - 'S'traight talker
GLASS - Greatest Leader Arrived for Social Service :D
 

Baatasari
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Posted on Monday, December 31, 2018 - 01:20 pm:       


Saarang:

Agent costs 2x more than online?




that is my understanding too..

agents network ee madhya taggindi.. and that layer is dwindling now, mostly online ani .. but reading the responses here..
brahma satyam jagan-mithyä jivo brahmaiva näparah
 

Saarang
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Posted on Monday, December 31, 2018 - 01:19 pm:       


Hotmail:

online lo 12000 vunte through agent 24 vuntadhi rough ga cheputhuna




Agent costs 2x more than online?
 

Baatasari
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Posted on Monday, December 31, 2018 - 12:59 pm:       

Term insurance.. LIC ante, how is the plan - vadu prelim health checkups etc cover chestada..

i am a noob in Insurance, epudu employer toh ne velledi.. but i want to ensure a good cover for my parents now..
brahma satyam jagan-mithyä jivo brahmaiva näparah
 

Hotmail
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Posted on Monday, December 31, 2018 - 12:55 pm:       

India lo Term insurance lo best ante LIC

LIC lo kuda online vunayyi just details fill chesthe challu Kani dhani kante full body tests cheyyanchi tesukovadamu better through agent compare to online idhe rate ekkuva 50%

Premium depends on age 50 lakhs ki online lo 12000 vunte through agent 24 vuntadhi rough ga cheputhuna

Nenu around 4 years back tesukonna through agent Valle hospital list istharru just go there and give blood sample and other tests lic website lo ki velli term insurance chudu you will get idea
 

Ramchander
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Posted on Monday, December 31, 2018 - 12:44 pm:       


Jeffa:


Brother US lo best edhi?
 

Jeffa
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Posted on Monday, December 31, 2018 - 12:41 pm:       

I know you are asking for Insurance buying in India but if there is any chance to buy from USA, it would be much cheaper(but the insurer should be a US living person, not required to be on Green Card/Citizen though. Also the person doesnt require to live in US all the years of coverage.
 

Eggterian
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Posted on Monday, December 31, 2018 - 08:10 am:       

Bazaz allinaz better or LIC better aa..for 20 years for investment
 

Digitalspy
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Posted on Sunday, December 30, 2018 - 08:30 pm:       

LIC lo ne term policy teeskondi. claim ratio baagundi
 

Lolakulu
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Posted on Sunday, December 30, 2018 - 05:53 pm:       

coverfox
 

Entiodu
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Posted on Sunday, December 30, 2018 - 04:38 pm:       

LIC : 65L Sum assured, yearly premium 17K. 27 years term

https://www.licindia.in/Products/Insurance-Plan/LIC-s-Amulya -Jeevan-II
 

Andhrawala
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Posted on Sunday, December 30, 2018 - 04:34 pm:       

Jeevan Anand policy theesukoo
No Signature
 

Stalker
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Posted on Sunday, December 30, 2018 - 03:33 pm:       

clear ga cheppamma bb...lic lone teesukundaam...teesukunnava details please :D
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Biggboss
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Posted on Sunday, December 30, 2018 - 03:30 pm:       

india lo private insurance gola enduku
Naalugellu modi sanka naakinav...fine morning ulta aithadhi malla Rahul Gandhi sanka naakuthaav
AP prajalaki dandam pettaali ilaanti lajja siggu leni politician ni bharisthunnanduku
 

Biggboss
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Posted on Sunday, December 30, 2018 - 03:30 pm:       

LIC esukovachu kadha

simple ga
Naalugellu modi sanka naakinav...fine morning ulta aithadhi malla Rahul Gandhi sanka naakuthaav
AP prajalaki dandam pettaali ilaanti lajja siggu leni politician ni bharisthunnanduku
 

Stalker
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Posted on Sunday, December 30, 2018 - 03:30 pm:       

evarikaina idea unte cheptaara :D

ye insurance teesukunnaru? details please like sum assured, no of years and monthly premium :D

thanks in advance :D
Stalker - 'S'traight talker
GLASS - Greatest Leader Arrived for Social Service :D

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