| Author | Message | ||
     Cylonesubbarao Side Hero Username: Cylonesubbarao Post Number: 4420 Registered: 02-2008 Posted From: 72.79.120.32 Rating: N/A |
Nothing in particular... I just went by options and quotes. I took from AXA Financials. Illu unnavaallu asalu chaala chaala chaala chaaala chaala mandatory ga insurance theesukovaali. (ekkuva stress settunna  ) | ||
| Telugu_times Side Hero Username: Telugu_times Post Number: 3554 Registered: 02-2008 Posted From: 40.0.40.10 Rating: N/A |
There is a reason for this. Lets take a worse case scenario. You are employed with IBM at the age of 33 and have signed up for life insurance thru your employer for an additional $1M (term) which costs you around say $400 per year when compared to $500 per year from either AXA or Metlife. Since your employer quote is less... you opted that. >>> True. also what i heard is, the additional insurance that we buy from companies is not tax free, whereas from some private veondors like northwest, it is tax free | ||
| Rajusk Junior Artist Username: Rajusk Post Number: 605 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
I am evaluating AIG. Any opinions ..as compared to MetLife. | ||
| Cylonesubbarao Side Hero Username: Cylonesubbarao Post Number: 4419 Registered: 02-2008 Posted From: 72.79.120.32 Rating: N/A |
95% of the states. | ||
| Cylonesubbarao Side Hero Username: Cylonesubbarao Post Number: 4418 Registered: 02-2008 Posted From: 72.79.120.32 Rating: N/A |
Again... there is nothing like WITH DRAWAL from these plans. You will loan yourself and default in repayment. As simple as that. | ||
| Cylonesubbarao Side Hero Username: Cylonesubbarao Post Number: 4417 Registered: 02-2008 Posted From: 72.79.120.32 Rating: N/A |
And one more IMPORTANT THING. Don't prefer insurance options from your employer. Usually basic 50/100 K insurance will be free from your company. Take that basic one... which won't cost you anything. Buy insurance from vendors such as Metlife, AXA etc. There is a reason for this. Lets take a worse case scenario. You are employed with IBM at the age of 33 and have signed up for life insurance thru your employer for an additional $1M (term) which costs you around say $400 per year when compared to $500 per year from either AXA or Metlife. Since your employer quote is less... you opted that. After being with them for 8 years lets assume your company downsized and you were let go. So you have to buy a new insurance again from outside which will cost you fortunes to buy insurance at that age. | ||
| Telugu_times Side Hero Username: Telugu_times Post Number: 3553 Registered: 02-2008 Posted From: 40.0.40.10 Rating: N/A |
savage Equitable Insurance theesukuntay, first 5 yrs lopala withdraw chesthey, you lose some money. But once you are breakeven in 5 yrs, then there will not be any penalty. | ||
| Jodhaa Side Hero Username: Jodhaa Post Number: 2427 Registered: 02-2008 Posted From: 208.11.223.20 Rating: N/A |
No one can make you feel inferior without your permission, remember they are no better | ||
| Telugu_times Side Hero Username: Telugu_times Post Number: 3552 Registered: 02-2008 Posted From: 40.0.40.10 Rating: N/A |
Ideally speaking it is always advisable to take insurance before turning 35 years mark. Premium rates will shoot up from this age onwards apart from other factors. >>> yes, becoz before they give insurance, they will do medical checks. 35 dhaatithey, guluG laaga anni problems untaayi gaa  | ||
| Rajusk Junior Artist Username: Rajusk Post Number: 604 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
Does this apply in all states or in only few states? Any clue? | ||
| Savage Comedian Username: Savage Post Number: 1256 Registered: 02-2008 Posted From: 148.129.71.53 Rating: N/A |
Ivi anni desam tirgi velle plan unte work out avvutaya?.or do they charge a fine if u draw out funds early like a 401K | ||
| Rajusk Junior Artist Username: Rajusk Post Number: 603 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
I think I am going for Regular then. Do you recommend any particular company to go with. | ||
| Cylonesubbarao Side Hero Username: Cylonesubbarao Post Number: 4416 Registered: 02-2008 Posted From: 72.79.120.32 Rating: N/A |
Mistakes find cheyadam kaadhu brother... just janalu kooda chaduvuthaaru kadha.. mislead avvakunda clarify chesaa anthe. | ||
| Cylonesubbarao Side Hero Username: Cylonesubbarao Post Number: 4415 Registered: 02-2008 Posted From: 72.79.120.32 Rating: N/A |
Ideally speaking it is always advisable to take insurance before turning 35 years mark. Premium rates will shoot up from this age onwards apart from other factors. So act early. | ||
| Telugu_times Side Hero Username: Telugu_times Post Number: 3551 Registered: 02-2008 Posted From: 40.0.40.10 Rating: N/A |
Companies don't match brother... its like their expected ROI on your investment. This is the 3rd category which I told before... investment insurance kind.>>> company antay, mana investment ni, insurance company ekkado invest sesthadhi kadha, gaa return annatlu. enti rao gaaru, naa posts lo, spelling mistakes soosthundru iyaaala? asalay pakka thread lemo, Mclovin gaaru gussa meedha undru | ||
| Cylonesubbarao Side Hero Username: Cylonesubbarao Post Number: 4414 Registered: 02-2008 Posted From: 72.79.120.32 Rating: N/A |
This is correct. | ||
| Cylonesubbarao Side Hero Username: Cylonesubbarao Post Number: 4413 Registered: 02-2008 Posted From: 72.79.120.32 Rating: N/A |
Companies don't match brother... its like their expected ROI on your investment. This is the 3rd category which I told before... investment insurance kind. | ||
| Jodhaa Side Hero Username: Jodhaa Post Number: 2426 Registered: 02-2008 Posted From: 208.11.223.20 Rating: N/A |
 No one can make you feel inferior without your permission, remember they are no better | ||
| Telugu_times Side Hero Username: Telugu_times Post Number: 3550 Registered: 02-2008 Posted From: 40.0.40.10 Rating: N/A |
Antey kids responsiblity kosama will raasedhi? >>> jodha, if there is a written will, saying that nenu pothey, my kid will live with grand parents or babai or maama, then the kid will stay with the above people, else, state govt will take them | ||
| Cylonesubbarao Side Hero Username: Cylonesubbarao Post Number: 4412 Registered: 02-2008 Posted From: 72.79.120.32 Rating: N/A |
Insurance lo different varieties unnayi. 1. Regular Life Insurance 2. Term Insurance 3. Equitable Insurance (each company has its own naming term for this type) 1. Regular life insurance is you sign up for a certain dollar amount say $1M or $0.5M and you will be provided a monthly quote which will not change till maturity of that policy. Meaning... you will have a FIXED PREMIUM 2. Term insurance as the name suggests its for a fixed period of time. Meaning... you purchase insurance in blocks say for 5 years. You premium is not fixed but will change either every year or every block (5 years) depends on company to company. In term insurance your premium will be less. SO if you start at 35 years age... then you will have a 5 year term insurance meaning 35-40 years age a certain price and then for next block 40-45 years block you will have a different price quote. 3. Finally EQUITABLE INSURANCE. This is like you put a fixed amount for next 7-8 years and then you are covered for your life. Whatever you have put investment will be used by company as an investment on funds and the returns from them will be paid back to your account again.... thus avoiding you to pay premiums for rest of your life. In short... these are the 3 types that I know. | ||
| Jodhaa Side Hero Username: Jodhaa Post Number: 2425 Registered: 02-2008 Posted From: 208.11.223.20 Rating: N/A |
Antey kids responsiblity kosama will raasedhi? No one can make you feel inferior without your permission, remember they are no better | ||
| Jodhaa Side Hero Username: Jodhaa Post Number: 2424 Registered: 02-2008 Posted From: 208.11.223.20 Rating: N/A |
Yeah naaku idhi vundi.. No one can make you feel inferior without your permission, remember they are no better | ||
| Telugu_times Side Hero Username: Telugu_times Post Number: 3548 Registered: 02-2008 Posted From: 40.0.40.10 Rating: N/A |
I took life insurance in 2001. ikkada oka desi gaadu unnaadu, so vaadi dwaara theesukunna. nenu 500k ki, my wife 500k ki theesukunnam. this is Life insurance, as well as kids educational expenses for future. details sarigaa gurthu levu, but this is how it works we pay about 300 dollars per month, which will give us insurance. After 5 yrs, you will be breakeven, meaning if you want to withdraw your money, you get all your money back, without any penalty. From 6th year onwards, for every 3600 we pay per year, the company matches about 2000,3000,3500 etc etc from year 7, 8th and so on. When the kids becomes 18, we have about enough money to cover expenses for the 4 yr college. All this money is tax free. ofcourse, this is definitely not the best investment option, but atleast you have the insurance all these years. Many of us have free insurance from company, usually 2 times the salary. we can pay about 15 dollars per month, to increase it to 4 times salary. on a different note,The most important thing is, having a written will in usa. In some states, if both parents die, the state may take the kid | ||
| Rajusk Junior Artist Username: Rajusk Post Number: 602 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
You are talking about ULIPs. It is a bad idea to mix insurance with investment. I already kind of did this mistake...by putting some money in ICICI Pru Life. Anyway no regrets.. For now I am just looking for Life Insurance Options in the US of A...that too only Term. | ||
| Rajusk Junior Artist Username: Rajusk Post Number: 601 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
Rao Garu....BUMPING on your request..of course with selfish motto anukondi | ||
| Basky_indya Side Hero Username: Basky_indya Post Number: 2616 Registered: 10-2007 Posted From: 144.226.230.37 Rating: N/A |
there are many schemes in india where ur payment term is very less and u can get coverage till the maturity of policy. if ur earning in usa, u can opt for 3 years or 4 years payments and policy runs for 20/25 years. its like upfront ur paying all india Utter Flop Hero Fans UUUUth President | ||
| Basky_indya Side Hero Username: Basky_indya Post Number: 2615 Registered: 10-2007 Posted From: 144.226.230.37 Rating: N/A |
sir eeeda 3 years insurance domain lo work chesa (IT). doubts unte adigeyandi. choosi replies post chestha. india lo life insurance chaala cheap. manchi savings ga kooda baguntundi. depending on policy. PRAMUKH ani okati teesko(lic), 10 lakhs risk. premiums also wont be much(i mean comparing with ur usa earning in rupees). all india Utter Flop Hero Fans UUUUth President | ||
| Cylonesubbarao Side Hero Username: Cylonesubbarao Post Number: 4382 Registered: 02-2008 Posted From: 72.90.255.175 Rating: N/A |
Don't get confused with Life Insurance and Medical Insurance. Usual ga ekkadanna either India or US compulsory ga theesukunte better. Early age lo theesukunte inka better. Lets discuss this on next Tuesday. Andharu unte topic lo chaala PROs and CONs discuss cheyocchu. Please bump this on Tuesday I will post some inputs and options. | ||
| Bhadri Junior Artist Username: Bhadri Post Number: 41 Registered: 03-2008 Posted From: 148.107.1.20 Rating: N/A |
raju, Even I am looking for Life insurance. In US it is going to cost more, so I am thinking to take it in India. I saw this Sun Life Birla , you need to pay Rs 10 lakhs per annum for three years and they would cover for Rs 4crores/99 years and they will put the money in market or 6lakhs/annum * 3 years=2crores coverage/99 years. Their 1st year commission would be 5% and next two years 2%. | ||
| Rajusk Junior Artist Username: Rajusk Post Number: 599 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
It is a personal choice...for some people their company provides...for some people...they have to pay from their pocket... I was just postponing until now..I am evaluating to take now..anthe | ||
| Rajusk Junior Artist Username: Rajusk Post Number: 598 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
eppudu vachamu anedi kaadu annayya ...insurance unda leda anedi important...j/k | ||
| Kingaa_bongaa Comedian Username: Kingaa_bongaa Post Number: 1247 Registered: 02-2008 Posted From: 134.163.255.25 Rating: N/A |
emo, Life insurance anedhi India lo vunnaa ikkada vunnaa, theesukovaala voddhaa anedhi mana choice. adhe medical aithey , US lo avasaram, India lo avasarm ledhu. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Raju Junior Artist Username: Raju Post Number: 719 Registered: 03-2008 Posted From: 66.67.114.55 Rating: N/A |
kadhu natava??? | ||
| Kingaa_bongaa Comedian Username: Kingaa_bongaa Post Number: 1246 Registered: 02-2008 Posted From: 134.163.255.25 Rating: N/A |
US ki vasthey Life insurance must aa? Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Raju Junior Artist Username: Raju Post Number: 718 Registered: 03-2008 Posted From: 66.67.114.55 Rating: |
Insurence ladha????  ...epudu vachavu US ki | ||
| Rajusk Junior Artist Username: Rajusk Post Number: 597 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
Nenu Life Insurance theesukondamani decide ayyanu...online quotes iche vallu chaala mandi unnaru...evarikaina personal experience unte...konchme postandi..TIA |
