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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on May 16, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Asked by Anonymous - May 16, 2025
Money

I'm 35, looking for term insurance for 50L to 1cr. Please suggest which one will better with little affordable premium.. my LIC agent is telling me all good about LIC.. but I'm unable to understand when I do google then in none where LIC comes? Also there so many add on in which add ons insurance one should take while taking term insurance please advise. Thank you

Ans: Hello;

This being a neutral forum it would be inappropriate to name xyz Insurance as better.

But you should look at the following aspects while selecting insurer for life insurance:

1. Claim settlement record for 3-5 years.
2. Capital adequacy and Solvency
3. Listed companies may have edge because disclosures are higher.
4. Strong parentage & group reputation.
5. Minimum exclusions
6. Lower costs

Despite availability of many riders it is better to take following 2 riders:

1. Accident benefit
2. Critical illness

You may do some online comparision on web aggregator platforms and arrive at a suitable decision appropriately.

Fix a timeline for yourself to take that insurance buy decision which will ensure that procrastination doesn't harm you in the research process.

Best wishes;
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Ramalingam

Ramalingam Kalirajan  |8901 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 2024

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नमस्कार संजीब...कृपया कुछ अच्छे टर्म बीमा विकल्प सुझाएं और बताएं कि सही विकल्प चुनने से पहले किन बातों को ध्यान में रखना चाहिए?
Ans: यहाँ कुछ कारक दिए गए हैं जिन पर विचार करना चाहिए और लोकप्रिय टर्म बीमा विकल्प दिए गए हैं:

विचार करने योग्य कारक:

कवरेज राशि: अपनी वित्तीय आवश्यकताओं और भविष्य के दायित्वों के आधार पर कवरेज राशि चुनें।

पॉलिसी अवधि: पॉलिसी अवधि को अपने वित्तीय लक्ष्यों और सेवानिवृत्ति की आयु के साथ संरेखित करें।

प्रीमियम: सुनिश्चित करें कि प्रीमियम पूरी पॉलिसी अवधि के लिए आपके बजट में फिट बैठता है।

क्लेम सेटलमेंट रेशियो: विश्वसनीयता के लिए उच्च क्लेम सेटलमेंट रेशियो वाली बीमा कंपनियों का चयन करें।

राइडर विकल्प: कवरेज बढ़ाने के लिए आकस्मिक मृत्यु लाभ, गंभीर बीमारी आदि जैसे अतिरिक्त राइडर्स की जाँच करें।

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Ramalingam

Ramalingam Kalirajan  |8901 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Asked by Anonymous - Apr 16, 2024English
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सर, मैं टर्म लाइफ इंश्योरेंस के बारे में जानना चाहता हूँ। क्या ऐसा पॉलिसी लेना बेहतर है जो मैच्योरिटी पीरियड के बाद बिना किसी रिटर्न के एक्सपायर हो जाए या ऐसा पॉलिसी जिसमें मैच्योरिटी पीरियड के बाद प्रीमियम वापस कर दिया जाए। मैं यह भी जानना चाहता हूँ कि कम प्रीमियम और बेहतर क्लेम सेटलमेंट के मामले में ऐसी पॉलिसी देने वाली सबसे अच्छी कंपनियाँ कौन सी हैं। मेरे लिए आदर्श बीमा राशि क्या होगी। मैं 37 साल का हूँ, शादीशुदा हूँ। मेरी पत्नी काम नहीं करती और मेरी 6 साल की बेटी है। मेरा सीटीसी 27 एलपीए है।
Ans: टर्म लाइफ इंश्योरेंस आपके असामयिक निधन की स्थिति में आपके प्रियजनों को वित्तीय सुरक्षा प्रदान करने के लिए डिज़ाइन किया गया है। बिना रिटर्न वाली पॉलिसी और प्रीमियम रिटर्न वाली पॉलिसी के बीच चयन करना आपके वित्तीय लक्ष्यों पर निर्भर करता है। बिना रिटर्न वाली पॉलिसी आमतौर पर कम प्रीमियम पर उच्च कवरेज प्रदान करती है, जो पूरी तरह से सुरक्षा पर केंद्रित होती है। दूसरी ओर, प्रीमियम रिटर्न वाली पॉलिसी परिपक्वता पर प्रीमियम वापस करके सुरक्षा जाल प्रदान करती है। 27 LPA CTC वाले 37 वर्षीय व्यक्ति और आप पर निर्भर परिवार के लिए, एक बीमा राशि जो आपकी वार्षिक आय का कम से कम 10-15 गुना कवर करती है, आदर्श होगी। बीमाकर्ता का चयन करते समय, प्रतिस्पर्धी प्रीमियम और कुशल दावा निपटान के लिए जानी जाने वाली कंपनियों को प्राथमिकता दें।

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नवीनतम प्रश्न
Nayagam P

Nayagam P P  |6207 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

Career
My daughter got admission for BTECH CIVIL engineering in VIT Vellore.Her AEEE rank is 16800.she couldn't get admission in first list of amritha.She opted for CSE ECE related courses in both coimbatore campus as well as chennai campus.waiting for2nd list of amritha.What shall I do.Either to accept civil in VIT or wait for amritha.She is interested to join either CSE OR ECE.
Ans: Raman Sir, Your daughter should strategically wait for Amrita University's second counselling list while keeping VIT Vellore Civil Engineering as backup option (please check the REFUND Policy thoroughly in case of seat withdrawal) . With AEEE rank 16,800, she has reasonable chances for ECE at Amrita Chennai campus (cutoff 70-93% percentile for home state), which offers 96.51% placement rates compared to VIT Civil's 70% placement rate . The significant career advantage of ECE over Civil Engineering, with 94-98% placement rates versus 70%, justifies the calculated risk of waiting for the second list . If Amrita admission doesn't materialize, VIT Vellore Civil provides a solid backup with institutional reputation and decent placement support, though career growth will require additional skill development in emerging technologies . Recommendation: Wait for Amrita University second list targeting ECE at Chennai campus while maintaining VIT Vellore Civil as secure fallback, as the potential career benefits of ECE (96% placement rate) significantly outweigh the admission risk compared to accepting Civil Engineering immediately. All the BEST for the Admission & a Prosperous Future!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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