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pawantarodia2000 | I am planning to buy term insurance policy. How much assured amount I should have? |
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 |
 
Bharat
 |
As a thumb rule, you should have insurance equal to minimum 6 times your annual income or 10 times spending + any loan liability .
For example if you earn 7L & spend 4L & taken home loan of 20L then your insurance should be
minimum 6 times your annual income + any loan liability .
6*7L + 20L = 62L
minimum 10 times spending + any loan liability .
10*4L + 20L = 60L
So it comes to around 60 L |
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namit d
 |
u should purchse icici prudential's pure protect plan this is pure term plan
for more information contact me
Namit
Advisor
icici group |
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Shreeniwas Gadiyar
|
Please note that life insurance is bought on a Human Life Value basis. This is calculated after discussing the financial and family position/responsibilities of the individual.
Please consult a professionally qualified insurance agent. |
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vijaykumar2343
 |
it depends on ur age and capacity to pay annual premium
no matter from which company u want to be insured |
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lasingparuparo
|
8 to 10 times the amount of your annual income is a rough ballpark estimate of what you need. there are specific calculators that will calculate exactly how much you need. primerica agents will do one for you for free if you contact one in your area they will probably be very happy to let you know exactly how much you need. ask for a DIME calculation and it'll take about 5 minutes. |
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harsh_busa
|
Insurance are of two types
1) Term life - Amount paid to survivors of your family in a sad event of your death in a certain number of years - 20/40/60 watever
2) Endowment - Amount paid to survivors of your family in a sad event of your death within a certiain number of years OR EVEN if you are alive insurance companies will pay you a multiple of the premium you paid to them.
today there are several plans from insurance companies that give benefits of both.
income from insurance is usually tax free.
also the money you put into insurance premiums is usually tax free ( upto 100k)
Now coming to amount of insurance you need . depends on your age, how many dependents you have , how much insurance premium you can afford to pay each year, nature of your work etc
suggest to speak to a few insurance consultants.
be careful though.
insurance consultants can be greedy. trying to sell out more insurance than you need or can afford. they have targets to meet. also for the amount of insurance premium you pay they will get a % of it as commission. so be careful.
there are several companies in the insurance business. the best one for indian scenarios is LIC as they are covered by the government of india but that does not mean others are not good.
A financial consultant can help you find a good match |
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satheesh
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Term insurance is taken for the protection of the family if something unfortunate happens to the life of the policy holder. So the family should get that much money that you are earning for them. But you should also consider how much you can spare for the insurance. So get the quote for a long term from all companies for your age and select the one who offers the lowest premium and high sum assured |
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atul
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u must study HLV of your self HLV= HUMAN LIFE VALUE ie what u r earning today and how your family leaves today u must insure that much so that they can get as much as income what u have today so that they can stay comfortably in your absence if u have any guidance u can contact any LIFE INSURANCE ADVISER FROM LIC (and strictly not from any pvt insurer ) or you can contact your nearest LIC OFFICE TOO |
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Freedom
 |
Good Morning. You should have 8 to 10 times your annual take home salary. A true financial analyst will show your beneficiaries how to properly invest the death benefit sot that your family can have income coming in every year. That is assuming you are married with young children, maybe a mortgage and some consumer dept. It varies if you are single with no significant responsabilites. Feel free to tell me a little more infor about your financial picture and I can tell you about what you need. |
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