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Telugu_times
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Username: Telugu_times

Post Number: 27893
Registered: 02-2008

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Posted on Thursday, April 19, 2012 - 07:00 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Onlytruth:

FT vallu employer maarite life insuarance till date pay jesina policy ni tama tho paatu teeskellochaa ?



I think employers icchedhi, term life insurance.
The day you kwit company, new movie start anukuntaa
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Maverick
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Username: Maverick

Post Number: 36860
Registered: 01-2008
Posted From: 198.228.224.213

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Posted on Wednesday, April 18, 2012 - 05:26 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

What abt variable life insurances?
Who is this DB member?
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Onlytruth
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Username: Onlytruth

Post Number: 97859
Registered: 01-2007
Posted From: 96.233.201.30

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Posted on Wednesday, April 18, 2012 - 05:24 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

FT vallu employer maarite life insuarance till date pay jesina policy ni tama tho paatu teeskellochaa ? if NOT possible, per say 45 yrs ki job change ayyi bayata konaali ante rangu paduddhi
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Rajusk
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Username: Rajusk

Post Number: 20430
Registered: 02-2008
Posted From: 192.234.99.11

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Posted on Wednesday, April 18, 2012 - 05:23 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Biriyani:

india ku vellipothe?




vunkul..you will be covered all over the globe..confirm sesukovali insurance tho..
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Oohlala
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Username: Oohlala

Post Number: 2422
Registered: 09-2008
Posted From: 173.36.196.10

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Posted on Wednesday, April 18, 2012 - 05:22 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:




Jo, vere insurance vundali, company insurance is just additional....$40 ki chala coverage vuntundi...all the options that biriyani (ee ids ento) mentioned below.....
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Biriyani
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Username: Biriyani

Post Number: 1228
Registered: 03-2012
Posted From: 171.159.192.10

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Posted on Wednesday, April 18, 2012 - 05:20 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

so rough ga 40 month..dhaaniki inkoka 10-20 vesukontey, bayata 1Mil vasthundhi.




india ku vellipothe?
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Jodhaa
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Username: Jodhaa

Post Number: 20219
Registered: 02-2008
Posted From: 71.57.88.10

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Posted on Wednesday, April 18, 2012 - 05:16 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Oohlala:

yep, but it is valid as long you stay with them, it worth as it is just $15-$20 a paycheck....


so rough ga 40 month..dhaaniki inkoka 10-20 vesukontey, bayata 1Mil vasthundhi.
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Oohlala
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Username: Oohlala

Post Number: 2421
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Posted on Wednesday, April 18, 2012 - 05:13 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Uppu:

Company insurance waste. comapny marithe potundi




yep, but it is valid as long you stay with them, it worth as it is just $15-$20 a paycheck....
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Biriyani
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Username: Biriyani

Post Number: 1227
Registered: 03-2012
Posted From: 171.159.64.10

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Posted on Wednesday, April 18, 2012 - 04:59 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Rajusk:




Employee basic life insurance

Long-Term Disability 60% Annual Pay
Accidental Death & Dismemberment 8x (Annual Pay + Bonus)
Associate Basic Life 1x Pay
Associate Supplemental Life Insurance No Coverage
Spouse/Domestic Partner Life No Coverage
----------------------------------

ila undi naa break up....nannu kuda theesukomantara life insurance outside?
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Rajusk
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Username: Rajusk

Post Number: 20425
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Posted From: 192.234.99.11

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Posted on Wednesday, April 18, 2012 - 04:36 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Onlytruth:




naadi kooda table lo vesuko...

started around 39th year..1 mill coverage...around $920 per year..no annual visit/test..kaakapothe nenu sesina mistake ante..only 20 years policy
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Uppu
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Username: Uppu

Post Number: 4833
Registered: 11-2007
Posted From: 206.16.32.136

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Posted on Wednesday, April 18, 2012 - 04:30 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Oohlala:

Some companies offer any level of life insurance (1X to 5x of your salary) w/o questions only when you join. After that if you want to change, you have to go through a huge process. So, opt for the max possible life insurance.

A few companies incl ours also offers on the job insurance which is paid out if you die on the job i.e. in any of their world wide offices. So, we kid that if it were to happen, it better happens when we were at work :-) one kid's education will be covered...


Company insurance waste. comapny marithe potundi
âGenerations to come will scarce believe that such a one as this walked the earth in flesh and blood.â
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Oohlala
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Username: Oohlala

Post Number: 2411
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Posted on Wednesday, April 18, 2012 - 01:11 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Some companies offer any level of life insurance (1X to 5x of your salary) w/o questions only when you join. After that if you want to change, you have to go through a huge process. So, opt for the max possible life insurance.

A few companies incl ours also offers on the job insurance which is paid out if you die on the job i.e. in any of their world wide offices. So, we kid that if it were to happen, it better happens when we were at work :-) one kid's education will be covered...
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Jodhaa
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Username: Jodhaa

Post Number: 20193
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Posted From: 71.57.88.10

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Posted on Wednesday, April 18, 2012 - 12:16 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Onlytruth:

haha.... coverage entha ?

If you see here : nee age ki : 5 Crore rupees coverage ki aprox 40,000 rupees per annum


coverage choosthey ikkada antha ayethe ledhu, idhi term and adhi life kada. Life kooda ikkadey better unnattu undi. But india life savings laga anukontam kada general ga, so ala munduku vellipovatamey
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Taurus0807
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Username: Taurus0807

Post Number: 70
Registered: 12-2011
Posted From: 208.49.215.2

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Posted on Wednesday, April 18, 2012 - 11:39 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Onlytruth:

@jodha, as andhrawala said urs premium could be refundable after certain years...full details kanukko




Premimum return kavali ante yearly premium ekkuva vuntundhi OT.
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Andhrawala
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Username: Andhrawala

Post Number: 11732
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Wednesday, April 18, 2012 - 11:38 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Bunty717:

30$ pm for 200k coverage




I am paying $30 for 200K coverage for me and 20 for wife

But this includes risk thro Accidents tooo


To be frank bulk of us ki life threat before 60 years is typically thro accidents unless there is family history of early death before 50 years

So accidental rider is must


Ika India lodhi is anyday good.. That is savings. here it is just risk coverage
Racha - second biggest hit Charan ke untademo antunnadu
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Onlytruth
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Username: Onlytruth

Post Number: 97829
Registered: 01-2007
Posted From: 96.233.201.30

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Posted on Wednesday, April 18, 2012 - 11:36 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

medical tests anni jesukunnaaka vaallu iche final quote nachaka pothe D anocchu
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Congfan
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Username: Congfan

Post Number: 421
Registered: 06-2008
Posted From: 12.176.249.232

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Posted on Wednesday, April 18, 2012 - 11:35 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

OT or anyone with good LI policy okati cheppandi. Level 4 sugar level unte situation kya hain.




bloodtests are free - they will come to your home collect the blood and check weight and height and then will deceide the Premium
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Onlytruth
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Username: Onlytruth

Post Number: 97828
Registered: 01-2007
Posted From: 96.233.201.30

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Posted on Wednesday, April 18, 2012 - 11:34 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

OT or anyone with good LI policy okati cheppandi. Level 4 sugar level unte situation kya hain.



call agent ..from this thread just get inputs about average price range in general....... There will b LOT of other factors in deciding which is good for u
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Onlytruth
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Username: Onlytruth

Post Number: 97827
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Posted on Wednesday, April 18, 2012 - 11:33 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

@jodha, as andhrawala said urs premium could be refundable after certain years...full details kanukko
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Kuyyo_morro
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Post Number: 7251
Registered: 02-2011
Posted From: 216.75.211.5

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Posted on Wednesday, April 18, 2012 - 11:32 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

OT or anyone with good LI policy okati cheppandi. Level 4 sugar level unte situation kya hain.
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Bunty717
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Username: Bunty717

Post Number: 25746
Registered: 02-2008

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Posted on Wednesday, April 18, 2012 - 11:32 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

Forr example I pay nearly 5 lakhs




nen kuda almost inte pay chestaa.. ikkada cal's chustu unte.. LIC
pedda hole laaga undi..
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Bunty717
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Post Number: 25745
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Posted on Wednesday, April 18, 2012 - 11:31 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

DCU vaadi quote entha Bunty and how old are u it depends on those




30$ pm for 200k coverage
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Andhrawala
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Username: Andhrawala

Post Number: 11730
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Posted From: 152.51.56.1

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Posted on Wednesday, April 18, 2012 - 11:29 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

kinda meeru itchina break up prakaaram, india lo life insurances kooda assaam e na? paying around 2L/per annum.




In India when u pay that much u get money back even if u are alive. Its more like savings.

Here for $100 or so its just risk coverage


Forr example I pay nearly 5 lakhs for 1 crore policy but thats for savings for my children education and retirement
Racha - second biggest hit Charan ke untademo antunnadu
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Andhrawala
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Username: Andhrawala

Post Number: 11729
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Posted on Wednesday, April 18, 2012 - 11:27 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Goonda:

nenu 35 ki enter ayyanu.. 45 tho start ayyindi.




He means entered at 35 years age and 45 tho start avvatam antee monthly premium so arn 540 per year

every 5 years premium revises anukuntaaa


DCU vaadi quote entha Bunty and how old are u it depends on those
Racha - second biggest hit Charan ke untademo antunnadu
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Onlytruth
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Username: Onlytruth

Post Number: 97825
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Posted on Wednesday, April 18, 2012 - 11:26 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

India lo life insurances kooda assaam e na? paying around 2L/per annum.




haha.... coverage entha ?

If you see here : nee age ki : 5 Crore rupees coverage ki aprox 40,000 rupees per annum
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Onlytruth
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Post Number: 97824
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Posted on Wednesday, April 18, 2012 - 11:23 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

But ee thread chusi aapesthunna.



try to convert ur already paid premium if possible

call ur current agent...nee emma ekkaa...endhi ra asalu nuvvu naaku ichina premium ? ani ee thread lo nerchukunna queries vaadi meedha vadulu....nenu already pay jesina 1500 sangathi enti ? term daantloki convert cheyinchu ani taguluko

they may change if u go for 30 yr or 20 yr TERM
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Congfan
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Username: Congfan

Post Number: 420
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Posted From: 12.176.249.232

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Posted on Wednesday, April 18, 2012 - 11:23 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

some LI are based on no blood test - so the premiums will be high
the ones with blood test are cheaper - if you are in good health condition
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Jodhaa
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Username: Jodhaa

Post Number: 20189
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Onlytruth:


kinda meeru itchina break up prakaaram, india lo life insurances kooda assaam e na? paying around 2L/per annum.
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Twitter
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Posted on Wednesday, April 18, 2012 - 11:20 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Bunty717:

malli ee med teste eti vunkul..



nenu 07 lo oka sari try setthe blood lo edho element thick ga undhi needs doctors
clearance ante naku bayamesi li8 theeskunna ..ee sari labam ledhu ento thelchukunta.
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Jodhaa
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Posted on Wednesday, April 18, 2012 - 11:19 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Term insurance theesukovali, theesukonta ee year. dec lo choosthey 48$ per month for 1Mil undey rate.
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Congfan
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Posted on Wednesday, April 18, 2012 - 11:19 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Onlytruth:

CONGFAN0.25M $235 ? ?



age 32 when took it - annual renewal
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Onlytruth
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Username: Onlytruth

Post Number: 97823
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Posted on Wednesday, April 18, 2012 - 11:18 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Bunty717:

whaaat do you mean by start ayyindi.. idi every yr revise chestaraa



depends on the policy u prefer...mine is annual renewal(annual is bad choice in general), tauarus's is 30 yr fixed
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Kuyyo_morro
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Post Number: 7250
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Onlytruth:

.$250P.m eppati nunchi kadutunnav ? :-)


6months. 500K death benefit and retirement plan returns kuda, based on market conditions. Was planning to dump more money into it. But ee thread chusi aapesthunna.
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Urumi
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Post Number: 1576
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Posted From: 173.48.193.193

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Pulibongaram:



Blackmamba:


mee pellillu ayyedaaka nominee urumi akkai ani petti, naaku mee address lu pampinchandi


Onlytruth:

hindu family system ki mana typical andhra vaalla family system ki mostly akkarledhu gaani.....unte better...




naa inter classmate paapam appatlone marriage chesaaru. kid puttina 3,4 months lopu heart attack to atanu chachipoyaaru. papam inlaws intlonchi pampesaaru properties anni vaala perune vunnay. cheppalem ebari raata ela vuntado.
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Bunty717
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Post Number: 25744
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Onlytruth:

actual medical tests ayyaaka aa 27 nunchi perugutundhi...




malli ee med teste eti vunkul.. DCU kurrod no med tests.. ade best
emo unko 30 pay chesi.. 500k ki set cheste..eti antaavu
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Congfan
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Post Number: 418
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Posted on Wednesday, April 18, 2012 - 11:18 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

Ippude Transamerica website lo quote enter chesa. Intha cheap aa.

Coverage Amount: $1,000,000
The estimated monthly premium to cover you is $27.13
Your economical premiums are based on the Preferred Plus Nonsmoker class, are subject to underwriting and are lower if paid annually. They may not apply if you have an adverse health history.




Naku initial ga anthe quote vacchindhi.. but after blood test it went up - I had cholesterol of 260 at that time
if you are in good condition that will be your premium - if you choose annual payment instead of monthly - more cheaper
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Post Number: 18978
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Onlytruth:



nuv keka babai
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Onlytruth
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Username: Onlytruth

Post Number: 97819
Registered: 01-2007
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Posted on Wednesday, April 18, 2012 - 11:16 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

To give an idea about premium price range: (enter ayina age ni batti premium ekkuva/takkuva untundhi)



member coverage premium per annum Entered @ age type
Taurus0807 1M $805 ? 30 yr term
Entikaburlu 1M $960 ? ?
Onlytruth 1M $600 33 Annual renewal
Goonda 1M $556 35 ?
CONGFAN 0.25M $235 ? ?


CONGFAN - metlife
OT & GOONDA - NYLIFE
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Taurus0807
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Username: Taurus0807

Post Number: 69
Registered: 12-2011
Posted From: 208.49.215.2

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Posted on Wednesday, April 18, 2012 - 11:14 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Bunty717:

DCU vaadu 30$ ki 200k ki cover chestunnadu..

ade 30 ki vere valla daggara tesukunte best laaga undi

oka 750 min cover chestaaru




$30 ki 750K cover chesaru ante there will be many loop wholes bro. Check it properly. My insurance is Prudential, paying 805/Year for 1M.

Once my client thella HR manager told me that this is very good quote you won't get cheaper than this annatlu cheppadu.
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Onlytruth
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Post Number: 97818
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Kuyyo_morro:

Ippude Transamerica website lo quote enter chesa. Intha cheap aa.


actual medical tests ayyaaka aa 27 nunchi perugutundhi...mundhu biscuit esthaaru gaani.....just a curious question but not to rub salt ....$250P.m eppati nunchi kadutunnav ? :-)
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Bunty717
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Username: Bunty717

Post Number: 25743
Registered: 02-2008

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Posted on Wednesday, April 18, 2012 - 11:14 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Goonda:

45 tho start ayyindi.




whaaat do you mean by start ayyindi.. idi every yr revise chestaraa
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Goonda
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Username: Goonda

Post Number: 19290
Registered: 02-2007
Posted From: 146.18.173.101

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Posted on Wednesday, April 18, 2012 - 11:13 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Onlytruth:


nenu 35 ki enter ayyanu.. 45 tho start ayyindi.
Sasibabu: If TDP loses next elechens, i will donate 10% of my salary to TDP

Skywalker: Bala chiru type kadu.....narasimha swamy avataram etti posani gadi pegulu medalo esukuntadu
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Onlytruth
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Username: Onlytruth

Post Number: 97817
Registered: 01-2007
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Posted on Wednesday, April 18, 2012 - 11:12 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

To give an idea about premium price range: (enter ayina age ni batti premium ekkuva/takkuva untundhi)



member coverage premium per annum Entered @ age type
Taurus0807 1M $805 ? 30 yr term
Entikaburlu 1M $960 ? ?
Onlytruth 1M $600 33 Annual renewal
CONGFAN 0.25M $235 ? ?
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Onlytruth
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Username: Onlytruth

Post Number: 97816
Registered: 01-2007
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Posted on Wednesday, April 18, 2012 - 11:12 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

To give an idea about premium price range: (enter ayina age ni batti premium ekkuva/takkuva untundhi)



member coverage premium per annum Entered @ age type

Taurus0807 , 1M , $805 , ? , 30 yr term
Entikaburlu , 1M, $960 , ? , ?
Onlytruth , 1M , $600 , 33 , Annual renewal
CONGFAN, 0.25M , $235 , ? , ?}
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Bunty717
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Post Number: 25742
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Posted on Wednesday, April 18, 2012 - 11:09 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

DCU vaadu 30$ ki 200k ki cover chestunnadu..

ade 30 ki vere valla daggara tesukunte best laaga undi

oka 750 min cover chestaaru
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Goonda
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Username: Goonda

Post Number: 19288
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Posted on Wednesday, April 18, 2012 - 11:07 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

NYLife 750k insurance... yearly pmt is 556$
Sasibabu: If TDP loses next elechens, i will donate 10% of my salary to TDP

Skywalker: Bala chiru type kadu.....narasimha swamy avataram etti posani gadi pegulu medalo esukuntadu
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Blackmamba
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Post Number: 14765
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Posted on Wednesday, April 18, 2012 - 11:07 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:

oh....ayithe ekakda theesukovaali elaa theesukovaali okaravva seffandi babulu



nenadigina qochens malli adugutaveti.. thread mottam saduvu okasarii..
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Kuyyo_morro
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Username: Kuyyo_morro

Post Number: 7249
Registered: 02-2011
Posted From: 216.75.211.5

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Onlytruth:


Ippude Transamerica website lo quote enter chesa. Intha cheap aa.

Coverage Amount: $1,000,000
The estimated monthly premium to cover you is $27.13
Your economical premiums are based on the Preferred Plus Nonsmoker class, are subject to underwriting and are lower if paid annually. They may not apply if you have an adverse health history.
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Onlytruth
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Username: Onlytruth

Post Number: 97815
Registered: 01-2007
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Posted on Wednesday, April 18, 2012 - 11:04 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

free gaa aithe 50K Life Isnurance isthunnadu


as twitter said, funeral ki kuda panikiravu...but good that entho kontha istunnadu
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Taurus0807
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Username: Taurus0807

Post Number: 68
Registered: 12-2011
Posted From: 208.49.215.2

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Onlytruth:

Maverick:
maavodu oka 30$ cut chestunnadu daniki..250K ento coverage annadu




PER PAYCHECK aa ? kiki




Congfan:
mine is $235/year - benefit is 250K
transamerica




I took for $1M. paying 805/Year 30 years fixed.
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Andhrawala
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Username: Andhrawala

Post Number: 11727
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Wednesday, April 18, 2012 - 11:03 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Onlytruth:

80% of us pani jese desi employers bokka isthaaru.... FULL TIME lo jese vallaki untundhi option....we need to check with HR for exactly what we are covered




maa employer free gaa aithe 50K Life Isnurance isthunnadu

500 or 750K kavaali ante monthly arnd $150 vundhi. tooch annan
Racha - second biggest hit Charan ke untademo antunnadu
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Onlytruth
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Username: Onlytruth

Post Number: 97814
Registered: 01-2007
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Maverick:

27$ for 1 month.


then good price
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Maverick
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Username: Maverick

Post Number: 36830
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Posted From: 70.39.231.92

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Posted on Wednesday, April 18, 2012 - 11:03 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

yeah, 27$ for 1 month..mandatory annadu
Who is this DB member?
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Onlytruth
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Username: Onlytruth

Post Number: 97813
Registered: 01-2007
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Posted on Wednesday, April 18, 2012 - 11:02 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:

maavodu oka 30$ cut chestunnadu daniki..250K ento coverage annadu



PER PAYCHECK aa ? kiki


Congfan:

mine is $235/year - benefit is 250K
transamerica


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Pulibongaram
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Username: Pulibongaram

Post Number: 289
Registered: 03-2012
Posted From: 160.83.72.209

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Posted on Wednesday, April 18, 2012 - 11:01 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Blackmamba:

as early as you can as soon as you can afford



Khandada:

felli kee mundhu teesukoni, nee profile lo update cheyyi...pelli lo bhajanthrilu



oh....ayithe ekakda theesukovaali elaa theesukovaali okaravva seffandi babulu
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Khandada
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Username: Khandada

Post Number: 1684
Registered: 10-2008
Posted From: 64.79.135.151

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Posted on Wednesday, April 18, 2012 - 11:01 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

btw, LI kee company benefits lo alpha beta gamma type lo options untay okati nokkaanu ...same since last 2 yrs
next yr kee revisit seyyali...good read
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Maverick
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Username: Maverick

Post Number: 36829
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Posted on Wednesday, April 18, 2012 - 11:00 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

>>
80% of us pani jese desi employers bokka isthaaru...

maavodu oka 30$ cut chestunnadu daniki..250K ento coverage annadu
Who is this DB member?
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Blackmamba
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Username: Blackmamba

Post Number: 14764
Registered: 05-2010

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Pulibongaram:

ujual gaa effudu theesukuntaaru idi....fellayyaaka?



Blackmamba:


eppudu teesukunte best


Onlytruth:


as early as you can as soon as you can afford.



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Khandada
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Username: Khandada

Post Number: 1683
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Posted From: 64.79.135.151

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Posted on Wednesday, April 18, 2012 - 10:59 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

//ujual gaa effudu theesukuntaaru idi....fellayyaaka?//

felli kee mundhu teesukoni, nee profile lo update cheyyi...pelli lo bhajanthrilu..." yeah she is gold digger" ani kanye west song esukuntaaru
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Twitter
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Username: Twitter

Post Number: 18977
Registered: 10-2009
Posted From: 151.191.175.208

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Onlytruth:

. FULL TIME lo jese vallaki untundhi option



naku ma vodu isthunnadu kaani funeral ki kooda saripovu inka return gifts ki appu seyyali
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Dreamcatcher
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Username: Dreamcatcher

Post Number: 2865
Registered: 11-2009
Posted From: 208.86.145.68

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Posted on Wednesday, April 18, 2012 - 10:56 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

even without Living Will??

Mari India ledhaa UK lo vunna grandparents ledha uncles daggarki pampaaraa





Dreamcatcher:

Evvaraina relatives US lo untey




Key is, relatives have to in US. Foster care is the last option as they know kids are better off out of foster care.


Urumi:

ante manam will raasukovacha ? maaku edanna aithe so n so ppl ki istunnaam responsbility and also..money kooda vaalu guardian..kids ki 18 vachaaka ivvachu ani. pilla jamindar movie lo will laaga ?




Yes, you need to setup a will (and most likely a trust to handle your finances) for what you want to happen after demise.
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Pulibongaram
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Username: Pulibongaram

Post Number: 288
Registered: 03-2012
Posted From: 160.83.73.19

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Posted on Wednesday, April 18, 2012 - 10:56 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

ujual gaa effudu theesukuntaaru idi....fellayyaaka?
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Onlytruth
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Username: Onlytruth

Post Number: 97811
Registered: 01-2007
Posted From: 96.233.201.30

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Posted on Wednesday, April 18, 2012 - 10:55 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:

company vallu life kooda istaru..2 or 3 times base pay




80% of us pani jese desi employers bokka isthaaru.... FULL TIME lo jese vallaki untundhi option....we need to check with HR for exactly what we are covered
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Onlytruth
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Username: Onlytruth

Post Number: 97810
Registered: 01-2007
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Posted on Wednesday, April 18, 2012 - 10:54 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Urumi:

ante manam will raasukovacha ?


raasukovachaaaa ?kaadhu ....raasukovaali....raasukunte anni rakaalu ga best ....but very very few % will do...mana hindu family system ki mana typical andhra vaalla family system ki mostly akkarledhu gaani.....unte better...
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Maverick
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Username: Maverick

Post Number: 36828
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Posted on Wednesday, April 18, 2012 - 10:53 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

OT,

company vallu life kooda istaru..2 or 3 times base pay
Who is this DB member?
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Onlytruth
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Username: Onlytruth

Post Number: 97809
Registered: 01-2007
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Posted on Wednesday, April 18, 2012 - 10:52 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Urumi:

company vaallu ichedi kaakunda idi verena ?




company vallu ichedhi HEALTH INSURANCE
ee thread LIFE INSURANCE
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Andhrawala
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Username: Andhrawala

Post Number: 11726
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Wednesday, April 18, 2012 - 10:51 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Urumi:

ante manam will raasukovacha ? maaku edanna aithe so n so ppl ki istunnaam responsbility and also..money kooda vaalu guardian..kids ki 18 vachaaka ivvachu ani. pilla jamindar movie lo will laaga ?




There u goo. danne living will ani antaaru
Racha - second biggest hit Charan ke untademo antunnadu
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Urumi
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Username: Urumi

Post Number: 1575
Registered: 12-2011
Posted From: 173.48.193.193

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Posted on Wednesday, April 18, 2012 - 10:48 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:


Kids wont be sent to Grand parents in India. They will remain here in US till they attain 18 years




mari mana savings paristii enti ? avi kooda foster parents ki istaara ? lekapote govt. ki potunda ?

Dreamcatcher:



Evvaraina relatives US lo untey, vallaki preference istaaru....if no relatives are willing to care for the kids, then foster care ki pampistaaru.




ante manam will raasukovacha ? maaku edanna aithe so n so ppl ki istunnaam responsbility and also..money kooda vaalu guardian..kids ki 18 vachaaka ivvachu ani. pilla jamindar movie lo will laaga ?


Onlytruth:

full time vallaki kuda


company vaallu ichedi kaakunda idi verena ?
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Onlytruth
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Username: Onlytruth

Post Number: 97806
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Posted on Wednesday, April 18, 2012 - 10:42 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Emotional manta ...think about this....God Forbid if something worst happens to you, rest of the life ur kid & Family income source ?? NOTHING else than existing assets back in india....right ??? so just spend $30-$40 per month and insure urself for $500K to $1M and explain ur near ones that you have this coverage and claim procedure

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Twitter
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Username: Twitter

Post Number: 18976
Registered: 10-2009
Posted From: 151.191.175.208

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Onlytruth:

can go for 30 yr or 20 yr longterm TERM policies



yeap i think 30yrs is better for me
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Twitter
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Username: Twitter

Post Number: 18975
Registered: 10-2009
Posted From: 151.191.175.208

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Posted on Wednesday, April 18, 2012 - 10:39 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

i started shopping for LI , term 10,20,30 antunnaru edhi best ? i think longer the coverage more chances to gain isn't it ?
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Onlytruth
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Username: Onlytruth

Post Number: 97805
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Twitter:

term ante enni yrs ki theeskunnav ?


mine is annual renewal....you GC guys can go for 30 yr or 20 yr longterm TERM policies
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Andhrawala
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Username: Andhrawala

Post Number: 11725
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Wednesday, April 18, 2012 - 10:36 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Dreamcatcher:

Evvaraina relatives US lo untey, vallaki preference istaaru....if no relatives are willing to care for the kids, then foster care ki pampistaaru.




even without Living Will??

Mari India ledhaa UK lo vunna grandparents ledha uncles daggarki pampaaraa
Racha - second biggest hit Charan ke untademo antunnadu
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Twitter
Hero
Username: Twitter

Post Number: 18974
Registered: 10-2009
Posted From: 151.191.175.208

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Posted on Wednesday, April 18, 2012 - 10:35 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Onlytruth:



term ante enni yrs ki theeskunnav ?
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Onlytruth
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Username: Onlytruth

Post Number: 97800
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Posted on Wednesday, April 18, 2012 - 10:32 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Urumi:

ee insurance contracting job chesevaalaka ?



No, full time vallaki kuda....unte manchidhi - lekunnaa lite.... car insurance ante necessity ee life insurance matram human emotion tho aaadukoni billions they make...at the same time...necessary ye ani ekkado anipisthuntundhi
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Dreamcatcher
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Username: Dreamcatcher

Post Number: 2863
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Posted on Wednesday, April 18, 2012 - 10:27 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

Kids go to Foster care if parents die without Living will.




Evvaraina relatives US lo untey, vallaki preference istaaru....if no relatives are willing to care for the kids, then foster care ki pampistaaru.
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Andhrawala
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Username: Andhrawala

Post Number: 11721
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Urumi:

ee insurance contracting job chesevaalaka ?

naako question vundi. will raayakunda parents chanipote kids ki velladanta kada money. nijamena ? asalu parents chanipote kids situation enti ee country lo ? kaasta cheppandi evarayina ?




Kids go to Foster care if parents die without Living will.

Kids wont be sent to Grand parents in India. They will remain here in US till they attain 18 years
Racha - second biggest hit Charan ke untademo antunnadu
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Urumi
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Username: Urumi

Post Number: 1573
Registered: 12-2011
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Posted on Wednesday, April 18, 2012 - 10:15 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

ee insurance contracting job chesevaalaka ?

naako question vundi. will raayakunda parents chanipote kids ki velladanta kada money. nijamena ? asalu parents chanipote kids situation enti ee country lo ? kaasta cheppandi evarayina ?
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Andhrawala
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Username: Andhrawala

Post Number: 11719
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Posted on Wednesday, April 18, 2012 - 09:39 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Time_pass:

idi kontha nijam kontha boothu

manam chese 250k , 500k policy ki tax golmala emi cheyalemu
kaakapothe term life is limited time, adi iyina taruvata emanna iyithe mana vallki emi raadhu
whole life you are guarnteed as it is life long
the premiums are high as you are going to get the money


anduke try whole lifewith mutual companies like
NortWestern, Mass Mutual or NewYork life




Term Life and Cash Value ani vuntaayi.

Term policy premium changes every 5 years like when u movie from 30 to 35 to 40 to 45 to 50. But premium is low as just risk is covered

Cash value policy ante it accumulates cash value. price matuku too much vuntundhi. more or less like car payment.

300-400 per month ante too much anipinch tooch annanuuu
Racha - second biggest hit Charan ke untademo antunnadu
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Onlytruth
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Time_pass:

manam chese 250k , 500k policy ki tax golmala emi cheyalemu


yes....that is what i said too..millions lo chese vallaki untay anta benefits


Time_pass:

whole life you are guarnteed as it is life long
the premiums are high as you are going to get the money



veryhigh like in kuyyomorro case...other cases i dont know but many analysts suggest against wholelife
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Time_pass
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//
Whole life insurance anedhi USA citizens lo wealthy people ki , inherited properties vunna vallaki matrame useful ani okaayana chepppadu...Tax golmaals chala cheyyochu anta whole life insurance lo...tax golmal ani manamu cheyyochome ani think jeyyoddhu..they were talking about few million dollars wealthy
//
idi kontha nijam kontha boothu

manam chese 250k , 500k policy ki tax golmala emi cheyalemu
kaakapothe term life is limited time, adi iyina taruvata emanna iyithe mana vallki emi raadhu
whole life you are guarnteed as it is life long
the premiums are high as you are going to get the money


anduke try whole lifewith mutual companies like
NortWestern, Mass Mutual or NewYork life
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Scorpio
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ING ReliaStar Life Insurance....$1 Million...30 years....$768/year....

nenemanna ekkuva kaduthunnana?


TDP For 2014.
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Andhrawala
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Entikaburlu:

stupidity. if you are married, have a mortgage etc must have a 1M cover. its not about you, its about the survivors.




apartment lo vundevaadu. US lo MS and MBA chesedu. aa loans plus India lo valla brother education (dentist) ni support chesedu. at the age of 35 one will not expect death.

Bad luck antheyyy.
Racha - second biggest hit Charan ke untademo antunnadu
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Casino
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Telugu_times:

usual gaa, upto, 2 times the base salary free gaa isthaaru.
3 times, 4 times, 5 times antay....we have to pay minimal...$5 per pay check etc


very nominal.. adhe insurance company lo ayyithe you will pay much more.. this is just an added advantage on top of your own private policy.. but job pothe you won't have any coverage
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Entikaburlu
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Andhrawala:

He didnt have any kind of life insurance on his own. Luckily GE policy edho vundhi 2.5 time his salary ante nearly 200K vacchindhi for his spouse




stupidity. if you are married, have a mortgage etc must have a 1M cover. its not about you, its about the survivors.
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Andhrawala
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Twitter:

so any type of death anmaata..baane undhi aithe


antha ledhu natural death maathrame

typical gaa below 50 years povatam anedhi very very rare due to disease. andhuke one million usd coverage 500 per year isthunnadu
Racha - second biggest hit Charan ke untademo antunnadu
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Entikaburlu
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Twitter:

policy konaka mundhe life threatening disease unte asalu policy ammadu kadha manaki




yes, but cancers etc ravatam povatam antha 6months lo ayipothayi, moreover usually you take ins policy in your early 30s, stuff hits in 40s and 50s
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Andhrawala
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Casino:

btw, if you are working for a decent employer, they have some insurance coverage as well.. as long as you are with them and something happens to you, family is covered




Maa cosuin GE lo pani chese vaadu. last year Labor day holiday weekend trip kelli lake lo munigi poyedu.

He didnt have any kind of life insurance on his own. Luckily GE policy edho vundhi 2.5 time his salary ante nearly 200K vacchindhi for his spouse

Tharuvaatha maa employer dhi soosthe 50K vundhi antheyy.

But more than natural death we need Accidental rider like car accidents etc
Racha - second biggest hit Charan ke untademo antunnadu
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Entikaburlu
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Idle_yzag:

ohh, bagundhi edhi edo




Its called GUL (Group something something), they dont tell you. call the insurance company and ask for it. legally they have to continue your coverage as long as the parent company is in business. you pay the same amount the employees pay.
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Twitter
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Onlytruth:

death



so any type of death anmaata..baane undhi aithe
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Entikaburlu:

There is a rider, for about a buck or two, where, if the person is diagnosed with a life threatening disease, they will start paying it in advance, it is called advance death benefit. take that. thats mom, atleast poyemundu, manollu happy ga unnaranukuni povachu.



policy konaka mundhe life threatening disease unte asalu policy ammadu kadha manaki
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Telugu_times
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Casino:

if you are working for a decent employer, they have some insurance coverage as well



usual gaa, upto, 2 times the base salary free gaa isthaaru.
3 times, 4 times, 5 times antay....we have to pay minimal...$5 per pay check etc
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Idle_yzag
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Entikaburlu:

they wont tell, but it is possible


ohh, bagundhi edhi edo
RahulGandhi/JP/Chiru
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Casino
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btw, if you are working for a decent employer, they have some insurance coverage as well.. as long as you are with them and something happens to you, family is covered
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Idle_yzag
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Onlytruth:

death




ma insurance seriously injured aithe 250k, STDisablity, LTD aithe 10k
RahulGandhi/JP/Chiru
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Casino
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Time_pass:

Northwestern Mutual


they are good... it's like a package deal with them... kids school + voka dozen policy lu isthadu..
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Entikaburlu
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Idle_yzag:

AD&D anni kalipi 400/yr, anni vade kattukuntadu, coverage is 500k




Idly, if you change the job, take this policy with you. they wont tell, but it is possible, these are the cheapest policies. real good deals. then you take in the new job another 500K, you are covered twice.
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Entikaburlu
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Twitter:

accidental or natural or both ?




There is a rider, for about a buck or two, where, if the person is diagnosed with a life threatening disease, they will start paying it in advance, it is called advance death benefit. take that. thats mom, atleast poyemundu, manollu happy ga unnaranukuni povachu.
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all opinions expressed are mine and only mine. not to be attributed to the other IP address sharers, my employer, or any other human, animal, robot or alien.
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Onlytruth
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Twitter:

accidental or natural or both ?


death
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Idle_yzag
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Kuyyo_morro:

Monthly






yenti monthly 250 kadathunava?

nadhi FT kada, ma appice vade anni kaduthunadu, Short term disability, Long term, Life insurance, AD&D anni kalipi 400/yr, anni vade kattukuntadu, coverage is 500k
RahulGandhi/JP/Chiru
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Onlytruth:



accidental or natural or both ?
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Onlytruth
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Posted on Tuesday, April 17, 2012 - 10:21 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

SW people range ki best TERM LIFE INSURANCE only...andulo variations try jeyyandi anthE


Whole life insurance anedhi USA citizens lo wealthy people ki , inherited properties vunna vallaki matrame useful ani okaayana chepppadu...Tax golmaals chala cheyyochu anta whole life insurance lo...tax golmal ani manamu cheyyochome ani think jeyyoddhu..they were talking about few million dollars wealthy
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Andhrawala
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Blackmamba:

3-4 cigs a day annaa.. gooba petti denkadu premium




ye state nuvvu

try ehealthinsurance.com
Racha - second biggest hit Charan ke untademo antunnadu
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Andhrawala
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Posted on Tuesday, April 17, 2012 - 10:12 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

CUNA ani Creidt Union vaadu pampithe theesukunnaa

Felt accidental death ki more prone ane vudesam tho compared to death due to illness, took policy for $200K (eventhough very small for life loss)

arnd arnd $80 for myself and wife both covered
Racha - second biggest hit Charan ke untademo antunnadu
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Entikaburlu
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Blackmamba:

3-4 cigs a day annaa.. gooba petti denkadu premium




oka sari hospitalized annanu, lambam ettad, around $5 per month. india lo aithe ittativi moosukovali, nalaga style ga ya, adi vaakay been there done that ani cheppoddu.
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Onlytruth
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Blackmamba:

health insurance kooda cheap ga eduntado cheppu vunkl kodga..




no idea....employer dhe kabatti have zero knowledge abt outside
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Blackmamba
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Onlytruth:



health insurance kooda cheap ga eduntado cheppu vunkl kodga..
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Blackmamba
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Onlytruth:

aa single reason ke picha picha ga increase jesthaaru



3-4 cigs a day annaa.. gooba petti denkadu premium
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Onlytruth
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Post Number: 97787
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Posted on Tuesday, April 17, 2012 - 10:01 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

heriditary adugutaaru ...no no no for all
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Onlytruth
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Blackmamba:

insurance vaadiki smoking chesta ani cheppala cheppakoodada??




NOOOOOOOOOOOOOOO.... aa single reason ke picha picha ga increase jesthaaru


Pelli sambandham ki vellinappudu jeevinchinattu jeevinchu....mandu tage alavatu ledhu coffee ledhu cigarette ledu ani cheppuu

kiki
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Onlytruth
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Kuyyo_morro:

mee odiki




lady aame....phone lo discussion NO WAY they agree..... they will push for in-person appointment
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Blackmamba
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Onlytruth:



insurance vaadiki smoking chesta ani cheppala cheppakoodada?? health insurance teesukuneppudu yes ani seffa premium sarruna perigindi.
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Onlytruth
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Guru:





see here : my policy is quite unpopular one, still i preferred that for the reasons already explained ; needhi 30 years kabatti you should get it for much lesser than $63


http://www.accuquote.com/learning-center/term-life-insurance .cfm
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Kuyyo_morro
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Onlytruth:


Repu podduna mee odiki phone chestha. Options chustha.
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Onlytruth
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Guru:

OT ni term policy entha?

I took 1mil policy for 30yrs..monthly 63$ badutunnad




I took 3 yrs back and Mine is annual renewal !! I preferred that way because of visa uncertainty
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Onlytruth
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Blackmamba:

monthly 45$ ante lite




follow congfan posts....bachelors ki adhe ekkuva...go with that
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Blackmamba
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Entikaburlu:

as early as you can as soon as you can afford.



OT vunkl seffinaatu monthly 45$ ante lite.. oka weekend mandu maneste set.. ela eeesukovalo kodga seffnadi soostanu..
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Entikaburlu
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Blackmamba:

eppudu teesukunte best




as early as you can as soon as you can afford.
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Blackmamba
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Username: Blackmamba

Post Number: 14738
Registered: 05-2010

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Posted on Tuesday, April 17, 2012 - 09:37 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

eppudu teesukunte best
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Guru
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Username: Guru

Post Number: 3209
Registered: 05-2009
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Posted on Tuesday, April 17, 2012 - 09:35 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

OT ni term policy entha?

I took 1mil policy for 30yrs..monthly 63$ badutunnad
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Onlytruth
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Username: Onlytruth

Post Number: 97781
Registered: 01-2007
Posted From: 96.233.201.30

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Posted on Tuesday, April 17, 2012 - 09:25 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:

ne epolicy peru exact ga sollu




Increasing Premiuim Term Insurance

CAUTION : THUMB RULE in life insurance is each individual case is VERY different.. my decision was based on my own parameters i thought good at "that time" and final choice of this particular policy is taken accordingly...naaku saripoyindhi meeku saripodhu....auto policy aithe edhi kottina ook....but for this take individual counselling


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Congfan
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Username: Congfan

Post Number: 417
Registered: 06-2008
Posted From: 108.73.163.48

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Posted on Tuesday, April 17, 2012 - 09:23 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

Em company idi?



my auto insurance is geico - they shopped policies for me and I choosed 250K plan with 235/year - insurance company is
http://www.transamerica.com/insurance.asp
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Onlytruth
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Username: Onlytruth

Post Number: 97780
Registered: 01-2007
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Posted on Tuesday, April 17, 2012 - 09:22 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

under writers(xcum agents)DESI lu dorikite chudandi...typical desi buddhi tho konni yellow flags vaallu observe jesina pettakunda vadilesthaaru

even though i am smoker & occassional drinker i got them under carpet && also ask for different "RIDERS" available......usual ga free ga add jesthaaru RIDERS....adakkapote cheyyaru
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Maverick
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Username: Maverick

Post Number: 36815
Registered: 01-2008
Posted From: 70.39.231.108

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Posted on Tuesday, April 17, 2012 - 09:19 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

ot

ne epolicy peru exact ga sollu
Who is this DB member?
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Onlytruth
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Username: Onlytruth

Post Number: 97779
Registered: 01-2007
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Posted on Tuesday, April 17, 2012 - 09:18 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:

evadina agent unnada, contact padei


i am not sure my agent have license in IN... rendu moodu companies agents ki call kottu....intiki vachi maree detailed ga explain jestaaru...they get f'ing good commissions
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Onlytruth
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Username: Onlytruth

Post Number: 97778
Registered: 01-2007
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Posted on Tuesday, April 17, 2012 - 09:17 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:




Looks like you are from NY State...

call prasanna bhatia NYLIFE agent : 732-485-9031 ...manchi kantri dhi..careful ga handle jeyyi....call to ur home and take detailed lessons ..she will explain detailed
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Saint
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Username: Saint

Post Number: 4898
Registered: 01-2011
Posted From: 65.248.129.30

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Kuyyo_morro:

m company idi?


statefarm....
metlife lo 80 chooyisthandi..this is for 1 Mil
Please don't check my profile.
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Maverick
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Username: Maverick

Post Number: 36814
Registered: 01-2008
Posted From: 70.39.231.108

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Posted on Tuesday, April 17, 2012 - 09:13 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

OT,

evadina agent unnada, contact padei
Who is this DB member?
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Entikaburlu
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Username: Entikaburlu

Post Number: 8594
Registered: 07-2011
Posted From: 67.247.83.224

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Onlytruth:

just $20 nelaki kadithe 200K coverage dorukutundhi



1M is must, if your wife is not working or if you have a mortgage/ ask him to take just term life pay as you go. 50-75 he should get based on his health factors and age.
All Class Notes -> https://twitter.com/#!/EKSWAcademy

all opinions expressed are mine and only mine. not to be attributed to the other IP address sharers, my employer, or any other human, animal, robot or alien.
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Onlytruth
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Username: Onlytruth

Post Number: 97777
Registered: 01-2007
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Kuyyo_morro:

Em company idi?




NEWYORKLIFE

na current plan details kindha metion jesina chudu ee thread lo...
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Onlytruth
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Username: Onlytruth

Post Number: 97776
Registered: 01-2007
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Posted on Tuesday, April 17, 2012 - 09:10 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Entikaburlu:

Wut! $250 a month LI? Kevvu Kekaa..




i was literally SHOCKED ....may be he is mistaken about returns after 30 years.....if it is really 90K after 30 years...then tomorrow by 9AM he should withdraw from his plan AND go for CONGFAN mentioned plan

just $20 nelaki kadithe 200K coverage dorukutundhi
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Entikaburlu
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Username: Entikaburlu

Post Number: 8593
Registered: 07-2011
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Kuyyo_morro:

Monthly. Life insurance policies edaina kuda similar ga unnai. Unless you dont expect any return.




induke mana desilani chooste brake change ki 1600 quote istunnaru. mee billing raja lu market chedakottestunnaru vayaa. sess.
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Kuyyo_morro
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Username: Kuyyo_morro

Post Number: 7225
Registered: 02-2011
Posted From: 64.134.102.85

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Onlytruth:

instead go for $45 Term policy like me which is for insurance of $1Million....


Em company idi?
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Congfan
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Username: Congfan

Post Number: 416
Registered: 06-2008
Posted From: 108.73.163.48

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Posted on Tuesday, April 17, 2012 - 09:07 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

Monthly. Life insurance policies edaina kuda similar ga unnai. Unless you dont expect any return.



OT cheppina prakaramm if you do fixed deposit for 3K for 3 years - you will get 90K
so nivvu eppudu 250per year tho 250K benefit insurance tesukovacchu and can save 2500 per year
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Entikaburlu
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Username: Entikaburlu

Post Number: 8591
Registered: 07-2011
Posted From: 67.247.83.224

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Posted on Tuesday, April 17, 2012 - 09:06 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

Monthly. Life insurance policies edaina kuda similar ga unnai. Unless you dont expect any return.




Wut! $250 a month LI? Kevvu Kekaa..
All Class Notes -> https://twitter.com/#!/EKSWAcademy

all opinions expressed are mine and only mine. not to be attributed to the other IP address sharers, my employer, or any other human, animal, robot or alien.
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Onlytruth
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Username: Onlytruth

Post Number: 97774
Registered: 01-2007
Posted From: 96.233.201.30

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Posted on Tuesday, April 17, 2012 - 09:04 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

Monthly.




Thats HUUUUUUUUUUUUUUUUUGE !!!!!!!! After 30 years 90k return means they are returning your first year premium...and keeping rest 29 years of premium....

So , treat it as they are keeping your 30 years' entire money....aa 90k peanuts after 30 years...right ?


now think about is it worth paying $250 per month for just 200k safety ?

instead go for $45 Term policy like me which is for insurance of $1Million.... one time outside eating bill anukoni vadileyyadamE.... do not think about peanuts after 30 years and waste $250 per month
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Kuyyo_morro
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Username: Kuyyo_morro

Post Number: 7223
Registered: 02-2011
Posted From: 64.134.102.85

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Onlytruth:

first of all r u sure $250 is monthly or is it annual?


Monthly. Life insurance policies edaina kuda similar ga unnai. Unless you dont expect any return.
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The_dude
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Username: The_dude

Post Number: 641
Registered: 01-2012
Posted From: 24.18.122.12

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Onlytruth:

first of all r u sure $250 is monthly or is it annual?


BP, Sugar, Cholesterol lo edo okati unte ee ranze lo untadi..

MetLife is the best.
In this db, there's always someone watching you!!
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Onlytruth
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Username: Onlytruth

Post Number: 97773
Registered: 01-2007
Posted From: 96.233.201.30

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Posted on Tuesday, April 17, 2012 - 08:45 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:


first of all r u sure $250 is monthly or is it annual?
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Kuyyo_morro
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Username: Kuyyo_morro

Post Number: 7222
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Posted on Tuesday, April 17, 2012 - 08:41 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Onlytruth:



Rest 29 years nuvvu kattina dabbuu ASSAAAM


Mari life insurance and return vache policies in case nothing happens emunnai?
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Congfan
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Username: Congfan

Post Number: 413
Registered: 06-2008
Posted From: 108.73.163.48

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Posted on Tuesday, April 17, 2012 - 07:58 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

mine is 235/year - benefit is 250K
transamerica
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Gotcha
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Username: Gotcha

Post Number: 8866
Registered: 02-2008
Posted From: 99.36.27.207

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Posted on Tuesday, April 17, 2012 - 07:54 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

metlife best. as u age premium increases so if thniking to buy buy asap late chese koddi perugutundi
This real estate is for sale.
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Onlytruth
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Username: Onlytruth

Post Number: 97772
Registered: 01-2007
Posted From: 96.233.201.30

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Posted on Tuesday, April 17, 2012 - 07:29 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Entikaburlu:

trick is to buy when you are in low 30s and lock the rate




yup..anduke dooraanu ! conversion jesthe benefit lekapothe bokka..
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Onlytruth
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Username: Onlytruth

Post Number: 97771
Registered: 01-2007
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Posted on Tuesday, April 17, 2012 - 07:25 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

Monthly $250




Just consider the 3K premium u r paying First year !

FIXED deposit cheste worst case 6 years ki 6K ; 12 years ki 12K ; 18 years ki 24K ; 24 years ki 48K ; 30 years ki 96K


nuvvu first year kattina amount neeku refund isthunnaadu u said 90K they will pay back after 30 years

FIRST year nuvvu kattina dabbu chaalu


Rest 29 years nuvvu kattina dabbuu ASSAAAM
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Entikaburlu
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Username: Entikaburlu

Post Number: 8579
Registered: 07-2011
Posted From: 67.247.83.224

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Onlytruth:

monnati daka $45 undedhi ippudu $50




for the same I pay almost $80. the trick is to buy when you are in low 30s and lock the rate till you reach 80.
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all opinions expressed are mine and only mine. not to be attributed to the other IP address sharers, my employer, or any other human, animal, robot or alien.
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Kuyyo_morro
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Posted on Tuesday, April 17, 2012 - 07:18 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Liberty Mutual is good. Life insurance 200K varaku cover avtundi and you get 90K in return after 30years if nothing happens. Emanna avthe family will get 200K.

Monthly $250 padtundi jebulonchi.
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Telugu_times
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Post Number: 27839
Registered: 02-2008

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Posted on Tuesday, April 17, 2012 - 07:15 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Onlytruth:



Yeah...it is called conversion
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Onlytruth
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Username: Onlytruth

Post Number: 97770
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Posted on Tuesday, April 17, 2012 - 07:13 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

i could not recollect exactly but the plan i am under is in-general non-returnable amount....monthly premium gone ! However, i have an option to convert it to a long term investment xcum life insurance model at any point of time i wish
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Time_pass
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Username: Time_pass

Post Number: 3736
Registered: 06-2008
Posted From: 24.92.200.152

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Premium is not tax deductible
at the same time the complete payment to your beneficiary is tax free
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Time_pass
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Username: Time_pass

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Posted on Tuesday, April 17, 2012 - 07:11 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Northwestern Mutual
Mass mutual
NewYork Life

in that order if you are taking whole life

term life iyithe edi cheap iyithe adi
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Onlytruth
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Username: Onlytruth

Post Number: 97769
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Posted on Tuesday, April 17, 2012 - 07:06 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Policy Type Increasing Premium Term Insurance
Policy Status Active
Policy Face Amount $1,000,000.00
Frequency of Payment Monthly Automatic Checking Withdrawal
Premium Amount $50.00



monnati daka $45 undedhi ippudu $50
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Entikaburlu
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Username: Entikaburlu

Post Number: 8575
Registered: 07-2011
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Maverick:

premiumtax deductible aa




ledu. tax returns cheseppudu ekkada adagaledu kadaaa..
All Class Notes -> https://twitter.com/#!/EKSWAcademy

all opinions expressed are mine and only mine. not to be attributed to the other IP address sharers, my employer, or any other human, animal, robot or alien.
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Telugu_times
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Username: Telugu_times

Post Number: 27837
Registered: 02-2008

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Maverick:


kaadhu
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Telugu_times
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Post Number: 27836
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Posted on Tuesday, April 17, 2012 - 07:03 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Nen northwest mutual life ins. theeskunna
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Maverick
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Username: Maverick

Post Number: 36813
Registered: 01-2008
Posted From: 68.51.67.38

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Posted on Tuesday, April 17, 2012 - 07:03 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Onlytruth:




premiumtax deductible aa
Who is this DB member?
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Entikaburlu
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Username: Entikaburlu

Post Number: 8574
Registered: 07-2011
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Uppu:

edi best




whichever is the cheapest. endivayya, ittati questions..
All Class Notes -> https://twitter.com/#!/EKSWAcademy

all opinions expressed are mine and only mine. not to be attributed to the other IP address sharers, my employer, or any other human, animal, robot or alien.
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Onlytruth
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Username: Onlytruth

Post Number: 97768
Registered: 01-2007
Posted From: 96.233.201.30

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Posted on Tuesday, April 17, 2012 - 07:02 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Uppu:


teesukunna kaani ...key points gurthu levu....long term investment model lo teesukoledu....h1b kadhaa ani


Term life insurance teesukunnanu....
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Uppu
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Username: Uppu

Post Number: 4830
Registered: 11-2007
Posted From: 206.16.32.136

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Posted on Tuesday, April 17, 2012 - 06:59 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Onlytruth:


Thanks meeru teesu konnara
âGenerations to come will scarce believe that such a one as this walked the earth in flesh and blood.â
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Onlytruth
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Username: Onlytruth

Post Number: 97767
Registered: 01-2007
Posted From: 96.233.201.30

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Posted on Tuesday, April 17, 2012 - 06:57 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

http://www.newyorklife.com
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Uppu
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Username: Uppu

Post Number: 4829
Registered: 11-2007
Posted From: 206.16.32.136

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Posted on Tuesday, April 17, 2012 - 06:50 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

edi best
âGenerations to come will scarce believe that such a one as this walked the earth in flesh and blood.â

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