| Author | Message | ||
     Basky_indya Hero Username: Basky_indya Post Number: 12210 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
gotcha Product vary with Insurance companies. India lo emi return icchevi lenivi kooda untai. premiums kattinavi return vachevi kooda untai. usa lo nu anthe. what changes is the PREMIUM OUTPAY from our pockets , Insurance coverage will remain same. u can chooose which way u want. mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Gotcha Comedian Username: Gotcha Post Number: 1719 Registered: 02-2008 Posted From: 64.3.1.253 Rating: N/A |
india lo insurance ki ikkadi insurance ki difference untundi anukunta. nenu kattedi india lo at the end of the 20 years they will give me the whole amount i paid for and will double it and give. kaani ikkada nenu katte insurance anta company jebuloke veltunadi, i dont get anything after few years. i will get insurance only if something happens to my family. is it the differneces in insurance? | ||
| Rajusk Side Hero Username: Rajusk Post Number: 4023 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
my example... I took it 3 months back..when i was more than 38 and half..pay about 1100 dollars and get a 1 Million Dollar coverage compared to what you have provided ...which is about 500k for about 75% of the price that I pay for premium... Anyway...between the two of us..we have provided enough info for Guri bedar to compare and choose | ||
| Basky_indya Hero Username: Basky_indya Post Number: 12204 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
INSURANCE SHOOTS UP AFTER 35 LIKE ANYTHING,, so take below 35 years of ur age mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Okatelugodu Side Hero Username: Okatelugodu Post Number: 2193 Registered: 02-2008 Posted From: 199.43.32.86 Rating: N/A |
Yes. Offcourse  | ||
| Basky_indya Hero Username: Basky_indya Post Number: 12203 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
raju, india coverage 1crore-2crore rupees undi. for a annual payment 40,000 (800 dollar). its worthy i can say. mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Mrhyderabad Junior Artist Username: Mrhyderabad Post Number: 95 Registered: 01-2008 Posted From: 167.230.38.118 Rating: N/A |
www.selectquote.com lo nee basic details submit chesthe... they will assign a agent to work with you to discover your needs, to give guidance etc I am going to Vote for Chiru... | ||
| Rajusk Side Hero Username: Rajusk Post Number: 4022 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
this depends on your age and health reports... | ||
| Basky_indya Hero Username: Basky_indya Post Number: 12202 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
no such bar. regd few products of this range, choosi cheptha undu. mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Rebel Side Hero Username: Rebel Post Number: 3179 Registered: 02-2008 Posted From: 151.151.73.164 Rating: N/A |
You can check the website below, where you can get ratings online from Standard & Poor's as well comprehensive reports on individual insurers. http://www.insure.com/quotesmith/controller?REF=99998&reqid= qstermindex&redirx=x | ||
| Rajusk Side Hero Username: Rajusk Post Number: 4021 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
I have very minimal knowledge about Life Insurance Products in India... I keep reading here and there about the kind of coverage that they offer...I have not seen what is the annual premium for a coverage of 4.5 Crores..if it is somewhere around 35,000 to 45,000 rupees annually it is definitely worth a shot.. the other thing is ...i am not sure if the requirement is to stay in India only..etc.. | ||
| Basky_indya Hero Username: Basky_indya Post Number: 12201 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
raju.sk worldwide insurance companies almost same set of framework. sligh diff undocchu... usa vs india = correlate authai. mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Basky_indya Hero Username: Basky_indya Post Number: 12200 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
raju ur wrong. same u can get or less in india. mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Okatelugodu Side Hero Username: Okatelugodu Post Number: 2192 Registered: 02-2008 Posted From: 199.43.32.86 Rating: N/A |
About 6months ago I spoke to MatrixDirect , agent of AIG. They offered me 1 mil term insurance for about 800 bucks a year.(correct price gurtuledu) | ||
| Rajusk Side Hero Username: Rajusk Post Number: 4020 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
I was not questioning your integrity or ability...sorry if you took it that way.. Also for 1000 dollars a year if you get upto 1 Million coverage...I think none of the India companies offer that kind of Term coverage...that is what I was trying to say.. | ||
| Basky_indya Hero Username: Basky_indya Post Number: 12195 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
most cases AGENT takes u for a ride, he will suggest which is BEST to his commission. I worked for LIC premium calculators for 3 years, and hence u can expect an UNBIASED feedback from me. I follow insurance and on the LAST day of the PRODUCT withdrawl, I signed up for 2 policies. becoz they were yelding good and its a DENT lo lic profits. mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Rajusk Side Hero Username: Rajusk Post Number: 4019 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
In any case people suggest not to mix Investment with Insurance.. I have done this mistake...beeth gayi so baath gayi but do not want others to get into the same ..anduke adiganu.. Of course I will leave it to Guri bedar..to do his due diligence | ||
| Basky_indya Hero Username: Basky_indya Post Number: 12194 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
raju i clarified below. I can tell only india policies. can suggest u if ur interested to maintain some INDIA polcies also mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Basky_indya Hero Username: Basky_indya Post Number: 12193 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
guriginja, Nenu cheppeindhi anni INDIA policies. Its better to have some GOOD INDIA policies also. even if u have USA insu. mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Basky_indya Hero Username: Basky_indya Post Number: 12192 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
no raju. they r fixed savings PLUS investment products HIGH risk coverage, HIGH returns. offcourse PREMIUMS kooda ekkuve. but 3-4 years payments terms and u can relax for next 6 years. after 10 years, or 15 years ur choice, U get MATURITY. DOUBLE amount ravocchu.. 10 lakhs coverage (base policy) ki 15 years ki 20 Lakhs daaka ravocchu and FREEE EXEMPTED FROM TAX (ANY TAX) mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Guriginja Side Hero Username: Guriginja Post Number: 3882 Registered: 02-2008 Posted From: 128.192.216.115 Rating: N/A |
OK...will go with 10 or 15 times not possible through empoyer....vaadu only 5 times.
deenni batti baya sesukovadam best la vundi...
inko 2yrs kalupu bedar...
thanks all for the info...will look into it. Andhra Pradesh Pallela Vijaya Gaadha http://www.hindu.com/2008/09/08/stories/2008090856271000.htm | ||
| Okatelugodu Side Hero Username: Okatelugodu Post Number: 2190 Registered: 02-2008 Posted From: 199.43.32.86 Rating: N/A |
Still kids vunte takkuva emo brother 1-5 times | ||
| Rajusk Side Hero Username: Rajusk Post Number: 4018 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
Basky are these ULIPs? | ||
| New_user Side Hero Username: New_user Post Number: 2754 Registered: 02-2008 Posted From: 74.221.46.10 Rating: N/A |
"what to look for, how to select, best companies, how to go about the entire process.." Basic ga financial stability ki AM Best company ratings isthundi. Popular ones like AIG, Metlife, Prudential, Newyork Life, John Hancock are good. Term life ante, it will provide coverage for certain period like 10 years, 20 years etc. Its cheaper and is a must for young individuals. Permanet Life - if you are in High income group, better to take that also. Veetillo chala variations unnayi. | ||
| Basky_indya Hero Username: Basky_indya Post Number: 12188 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
guginja: usa lo unde desis, desam lo RENDE policies teeskuntaru.. 1) jeevan shree 2) jeevan pramukh both r high range policies. oka 20 Lakhs atla RETURN ocche tattu untai. usa earning kabatti, india premiums easy ga ketteyocchu mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Basky_indya Hero Username: Basky_indya Post Number: 12187 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
Guriginga, if ur expecting to live in usa and have good income for 2-3 years go for JEEVAN PRAMUKH an LIC High range policy. High RISK coverage (10 lakhs) + HIGH returns on your maturity .(its like savings). Payment term is Very LESS : 3-4 years, even though policy matures after 10 years. mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Hey Junior Artist Username: Hey Post Number: 158 Registered: 10-2008 Posted From: 66.67.114.55 Rating: N/A |
nanu india lo metlife lo chesanu....3 yrs katali every yr 3 laks Old id One | ||
| Rajusk Side Hero Username: Rajusk Post Number: 4017 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
It all depends on how much coverage they provide...It is advisable to have 15 times your annual salary as coverage..average Insurance coverage if you are married and have kids should be anywhere between 500k to 1Million.. employer dwara velithe..not sure what happens when you quit that employer.. For example (not sure about your age...but assuming 30)..if you start with your employer now and 10 years later you quit that employer..if you look for fresh insurance..then you will have to pay more premium... | ||
| Guriginja Side Hero Username: Guriginja Post Number: 3881 Registered: 02-2008 Posted From: 128.192.216.115 Rating: N/A |
thanks bedar...will email. Andhra Pradesh Pallela Vijaya Gaadha http://www.hindu.com/2008/09/08/stories/2008090856271000.htm | ||
| Guriginja Side Hero Username: Guriginja Post Number: 3880 Registered: 02-2008 Posted From: 128.192.216.115 Rating: N/A |
maa vadu basic and optional ani isthunnadu bedar.... basic - salary amount optional - 1-5 times of salary ani. Andhra Pradesh Pallela Vijaya Gaadha http://www.hindu.com/2008/09/08/stories/2008090856271000.htm | ||
| Basky_indya Hero Username: Basky_indya Post Number: 12186 Registered: 10-2007 Posted From: 65.30.78.134 Rating: N/A |
Guriginga, I worked in life Insurance domain (india) for 3 years. I can suggest you good points. will discuss in detail, based on ur needs,expected returns,savings etc basky_indya@yahoo.com ki nee number padeyyi, free unnapudu talk cheddham mY Telugu Divine www.gurugeetha.blogspot.com | ||
| Guriginja Side Hero Username: Guriginja Post Number: 3879 Registered: 02-2008 Posted From: 128.192.216.115 Rating: N/A |
points learnt: 1. always go with term got it Andhra Pradesh Pallela Vijaya Gaadha http://www.hindu.com/2008/09/08/stories/2008090856271000.htm | ||
| Rebel Side Hero Username: Rebel Post Number: 3175 Registered: 02-2008 Posted From: 151.151.73.164 Rating: N/A |
naku US lo ee life insurance ledu bhayya...inka pelli kaledu..so no dependants yet for insurance.. Term insurance aithe cheap..5-10 times ur annual income ki tiskovachu...kids unte inka penchohu | ||
| Guriginja Side Hero Username: Guriginja Post Number: 3878 Registered: 02-2008 Posted From: 128.192.216.115 Rating: N/A |
maa univ chesedi through met life anukunta....adi continue seyadam besta..manam own ga teesukovadam bestaa...mana employer dwara velithe yemanna additional benifits vuntaya...vere job ki vellinappudu yetta work out avuddi...these are my questions Andhra Pradesh Pallela Vijaya Gaadha http://www.hindu.com/2008/09/08/stories/2008090856271000.htm | ||
| Guriginja Side Hero Username: Guriginja Post Number: 3877 Registered: 02-2008 Posted From: 128.192.216.115 Rating: N/A |
any compamnies bedar..sorry googling sesedaniki kuda koncham telusunte bavuntundemo ani anthe....time vunnappudu inkoncham seppu bedar... Andhra Pradesh Pallela Vijaya Gaadha http://www.hindu.com/2008/09/08/stories/2008090856271000.htm | ||
| Rajusk Side Hero Username: Rajusk Post Number: 4016 Registered: 02-2008 Posted From: 66.93.90.250 Rating: N/A |
Guri Bedar...nenu ee madyana New York Life theesukonna.. AIG vaadu isthanu annadu..theesukonedi manchidi ayyindi emo ani thinking.. Best to take Term life insurance for 20 or 25 years.. Metlife kooda bagane untundi antaru.. Mee oorilo agents untaru anni companies ki... If you live around NY/NJ/CT ..naa agent ki refer cheyyagalanu.. good luck with your search process.. | ||
| Rebel Side Hero Username: Rebel Post Number: 3174 Registered: 02-2008 Posted From: 151.151.73.164 Rating: N/A |
2 types untay - term n whole life.. always go with term(ex: 20 yrs or 30 yrs) insurance.... | ||
| Guriginja Side Hero Username: Guriginja Post Number: 3876 Registered: 02-2008 Posted From: 128.192.216.115 Rating: N/A |
what to look for, how to select, best companies, how to go about the entire process.. gatra telisina vaallu info share seyyandi....thanks. Andhra Pradesh Pallela Vijaya Gaadha http://www.hindu.com/2008/09/08/stories/2008090856271000.htm |
