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Suggestions for Term life insurance p...

Chalanachithram.com DB » New TF Industry Related » Archive through December 04, 2019 » Suggestions for Term life insurance providers « Previous Next »
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Enigmatic
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Username: Enigmatic

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Posted on Tuesday, December 03, 2019 - 08:31 pm:       

deeni kosam physical cheyinchukovala
 

Savyasachi
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Posted on Tuesday, December 03, 2019 - 08:26 pm:       

got it 6 month back. 30 years term aig . paying 2300/year fro 3mil policy
 

Polavaram
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Posted on Tuesday, December 03, 2019 - 06:17 pm:       

AIG

30 years
 

Chitti_babu
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Username: Chitti_babu

Post Number: 31482
Registered: 03-2012
Posted From: 169.198.254.64

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Posted on Tuesday, December 03, 2019 - 06:10 pm:       


Jeffa:

I tool 30 years term which covers me till 70 years of my age.





Chitti_babu:

Dont go for 20 yr term insurance.




Main bahi wahi bhol raha hooooon ...
 

Jeffa
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Posted on Tuesday, December 03, 2019 - 06:07 pm:       

Chit_bob: Biggggggggggg difference in premiums with 20 Vs 30 term.

It may be true for a naked eye.
But think about the nuts and bolts of a TERM :-)

At the age of 35, if you take 20 years term, it covers you up to 55 years of age with the flat premium.
But what would be the open market premium for the same coverage at the age of 56? It would be at least 900 times of your 55th year premium(in the 20 year term). While the same 56th year premium would be ALMOST SAME (may be 10% higher to your 20 year term flat premium) till 65th year.
Your affordability of paying for premium much higher when you are young(and earning) compared to when you are aged(and non earning). Thus, if keeping your financial dependents(wifey, kiddos etc), I would suggest a reasonably long term coverage instead of instantaneously attractive short term coverage. I tool 30 years term which covers me till 70 years of my age.

For the companies and agents look out, just blindly follow term4sale.com
 

Chitti_babu
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Username: Chitti_babu

Post Number: 31478
Registered: 03-2012
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Posted on Tuesday, December 03, 2019 - 05:20 pm:       


Telugodu:

Sure bro, pls share the details




Bruce cooper
(twozerothree)-five21-three108 (cell)
(nineonesix)-five13-seven771 (office)
 

Telugodu
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Username: Telugodu

Post Number: 862
Registered: 06-2014
Posted From: 65.190.53.217

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Posted on Tuesday, December 03, 2019 - 05:11 pm:       


Chitti_babu:

Interest vunte fwd chesthaa meeru meeru talk chesukondi



Sure bro, pls share the details
 

Chitti_babu
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Username: Chitti_babu

Post Number: 31477
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Posted on Tuesday, December 03, 2019 - 05:05 pm:       


Telugodu:




Nenu oka agent tho vellanu ....not sure how i got that agent reference.

convenient ga vuntadhi, for him to explain in layman terms and me to understand those terms / jargons etc. moreover first flag nenu raise chesindhi thanatho am on H1 b eppudaina oodacchu vundacchu ee desham lo so policy will be still in force etc etc ani konni kochens esaa for my ease ...

Interest vunte fwd chesthaa meeru meeru talk chesukondi.
 

Telugodu
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Username: Telugodu

Post Number: 861
Registered: 06-2014
Posted From: 65.190.53.217

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Posted on Tuesday, December 03, 2019 - 05:02 pm:       


Djt_2020:

if in 20 years, your kids will be out of college, go for it. If they wont, go for 30 years.



Thanks bro. Will go for 30 years
 

Telugodu
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Username: Telugodu

Post Number: 860
Registered: 06-2014
Posted From: 65.190.53.217

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Posted on Tuesday, December 03, 2019 - 05:01 pm:       


Chitti_babu:

20 year term ki premiums will be cheap if you shop around but this defeats our purpose.



Thanks Bro. Even I was thinking of 30 years, my kids wont be out of college by 20 years. I will go for 30 years.

Checking Costco and Policygenious...edo okati set chesta soon
 

Chitti_babu
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Username: Chitti_babu

Post Number: 31474
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Posted on Tuesday, December 03, 2019 - 04:49 pm:       

Dont go for 20 yr term insurance.

Biggggggggggg difference in premiums with 20 Vs 30 term.


20 year term ki premiums will be cheap if you shop around but this defeats our purpose.

Longer term and higher face value
 

Chitti_babu
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Username: Chitti_babu

Post Number: 31473
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Posted on Tuesday, December 03, 2019 - 04:47 pm:       

My suggestion:

Term: 30 yr

Face amount : Min 1 million to 2 million

Premium : Healthy with no health issues or family health issues premium oka $65-$120 padacchu

Who : so many out there i am with Prudential Insurance co.

Dont delay take a decision, dont rely on company term insurance, you keep that too as premium will be less.

Buy one and stay safe.
 

Djt_2020
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Username: Djt_2020

Post Number: 22706
Registered: 05-2019
Posted From: 100.36.224.18

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Posted on Tuesday, December 03, 2019 - 04:46 pm:       

depends on kid ages. Term insurance is to ensure your family can survive if the untoward incident happens. it should cover kids college expenses, home mortgages and some money for day to day life. if in 20 years, your kids will be out of college, go for it. If they wont, go for 30 years.
old id jai_YCP
 

Telugodu
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Username: Telugodu

Post Number: 859
Registered: 06-2014
Posted From: 65.190.53.217

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Posted on Tuesday, December 03, 2019 - 04:36 pm:       

Pls suggest any reliable and economically cheaper Term life insurance providers? Also whats the term you guys recommend for a 35 year old? Ekkuva analysis chese opika ledu so db peddalu tried and tested info cheptaru ani expecting

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