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Balaji S | I need a life insurance policy to cover atleast 20 lakhs in case of any risk. how much premium per annum? |
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Bharat
|
As amount is fix, it will depend on your age & for how many years you want insurance.
I, at age 29, got term insurance for next 25 years for 15 lakh at premium of 4182/- per annum from SBI LIFE & found that it is cheapest. |
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toknowmore
|
You can take a pure term policy for the period and the premium can be known only by age. Any how please visit the following link to calculate the premium for your age for various LIC plans
http://licindia.com/premium_calculator.htm
select the plan, give your date of birth, sum assured and the term to get the premium.
good luck
pnkmurthy@yahoo.com
http://www.geocities.com/pnkmurthy/lic.html |
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delta
 |
contact a lic agent and get the correct information. if u do not know an agent visit the nearest LIC office in your city. If u dont even know the nearest office, tell me which city u are in and i will let u know the adress of the LIC office.i.e. if u want correct and professional answer,. |
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moni
|
it depends upon a lot of factors:
1) age
2) dependents
3)health and any record of sickness
4)your education and income level
5) nature of policy.............life cover or term policy etc.
So after that we can calculate the premium. get in touch wid any insurance agent and he/she can help out straight away. |
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Shreeniwas Gadiyar
 |
Please go for 5 lacs more and take term assurance plan of LIC it will work out cheaper for you.
If you are from Mumbai feel free to call me on 93222 50852 for further guidance. |
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betotron don
 |
contact northwesternmutual.com |
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Rob
|
Life insurance policies provide survivor benefits. Not any benefits to you while you are still alive. This way - its risk insurance for your dependents, not for you. Therefore try to read and understand the fine print before you sign on the bottom line. Try to understand some basic insurance terminology like - surrender value, cash value, life insurance, term insurance, disability insurance, critical illness insurance, commutative premium paid vs insured value, monthly or annual payments vs Future worth of accumulated money etc.
Typical profitability of insurance companies - why more and more banks are trying to get into this business - when it comes to auto insurance, mortgage insurance etc. |
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mohan s
|
Hi,
If you want 20 L cover for your life, you can consider a Term Insurance. Suppose u are 30 years u can go for a 15 years term and ur premium would be cheaper comparing to any unit linked plan or traditional non participating plan. U cannot expect return on the premium paid by you but it would be very good and for an investment u can plan a SIP in a mutual fund-diversified equity fund which gives a reasonable return on a long term. The advantage of the term insurance is that u can stop paying the premium once u feel that you have no liability and u can take a mediclaim plan at the age of 45 as the same is very much required at the specified age. All the insurance plans are good for the insurance company and the advisors as they get good commission.
that is all. |
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Joshi A
|
You may consider taking a Term Insurance from LIC.
You have not mentioned your age. Anyway I will just give you an example for a 28 year old.
Plan Anmol Jeevan
S.A 24 lacs (max. under this plan)
Term .. YLY.... Single
5..........5988.....23064
10........5988.......38544
15........6201.......55368
20........6398.......74400
25........8055.......97728
For S.A of Rs.25 lacs or more you may opt for Amulya Jeevan plan.
In both the above plans there is no maturity benefit. As there is no surrender value involved you may shift to any other insurer at any given point of time.
Have nice day. |
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SRINIVASAN R
|
Why do you need Rs.20 lakhs policy. Your life will be at threat. What is your income. Try to be happy with what you have. Calculation of monthly premium approximately = 2000000 / (12 x No of Years x 1.05). For a period of 20 years it will be around = Rs.7936. |
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