Life insurance edhi better info pls

[bob234]

Life insurance US lo edhi better oo cheppandi...

[jadugar]

New York Life 

[Anta Assamey]

[hunkyfunky]

Policygenious.com.  Get comparative quotes. 

Few simple rules : 

Take term life only ( which doesn't pay anything back). Avoid bells and whistles and save money. Remember, It's not investment

Calculate term and coverage based on your age and needs...don't buy more or less. 

The sooner you get, the better the rate is. 

 

 

 

[Peter123]

edina same 

[TOM_BHAYYA]

5 hours ago, bob234 said:

Life insurance US lo edhi better oo cheppandi...

@Android_Halwa : tujhe nahi Pata 

@sattipandu : kise nahi pata

@himacream : kise nahi pata

@vendetta : kya nahi pata

@sattipandu : Arey @bob234 ko nahi pata

@Android_Halwa : parents India se aa rahi he.... to

@bob234 : insurance kahan se lelo

@vendetta : tujhe sach me nahi pata

VISITORS COVERAGE

most popular insurance site for parents visiting USA ..

@vendetta :Sab ko Pata hai

 

[machoman]

1 hour ago, TOM_BHAYYA said:

@Android_Halwa : tujhe nahi Pata 

@sattipandu : kise nahi pata

@himacream : kise nahi pata

@vendetta : kya nahi pata

@sattipandu : Arey @bob234 ko nahi pata

@Android_Halwa : parents India se aa rahi he.... to

@bob234 : insurance kahan se lelo

@vendetta : tujhe sach me nahi pata

VISITORS COVERAGE

most popular insurance site for parents visiting USA ..

@vendetta :Sab ko Pata hai

 

[sattipandu]

8 hours ago, bob234 said:

Life insurance US lo edhi better oo cheppandi...

outside from employer provide one???

[bob234]

15 hours ago, sattipandu said:

outside from employer provide one???

Yes

[bob234]

21 hours ago, hunkyfunky said:

Policygenious.com.  Get comparative quotes. 

Few simple rules : 

Take term life only ( which doesn't pay anything back). Avoid bells and whistles and save money. Remember, It's not investment

Calculate term and coverage based on your age and needs...don't buy more or less. 

The sooner you get, the better the rate is. 

 

 

 

Ardam kaledhu bhayya...can u pls detail...take term life only ante?

[hunkyfunky]

the dollars you pay into term life insurance premiums are only there to provide a death benefit to your beneficiaries if you die during a specified term, while money you invest in whole life insurance premiums builds cash value that you can use later in life or that will add to the death benefit payout.

I'm USA, term life is usually preferred and premiums are less. In India, most of the LIC policies are whole life- your money grows and also you get death coverage. Whole life insurance premiums are more in USA and are generally doesn't payout that much any way ( interest rates are low here). 

If you have Costco, protective life gives you better rates. Try to take life  insurance before you turn 30 , 35 or atmost 40. Don't rely on GoFundMe campaigns for family support if something happens to you!😡

 

 

 

[hunkyfunky]

18 hours ago, machoman said:

That's visitors health insurance... Not like insurance. 

[kakatiya]

Your employer recommended dhi teesko

[hunkyfunky]

5 minutes ago, kakatiya said:

Your employer recommended dhi teesko

Don't do that!!!! Unless you are sure you will be with employer for life. 

Employer usually offers 1x to 2x coverage as free and they give an option to buy more. Problem with this is

1. Premiums are rarely competitive.. You actually pay more

2. More importantly, when you leave the job you can't continue to pay the premium. Remember, premiums keeps increasing as you age. So, it's better to take it  independently and lock the rate

[bob234]

3 hours ago, hunkyfunky said:

the dollars you pay into term life insurance premiums are only there to provide a death benefit to your beneficiaries if you die during a specified term, while money you invest in whole life insurance premiums builds cash value that you can use later in life or that will add to the death benefit payout.

I'm USA, term life is usually preferred and premiums are less. In India, most of the LIC policies are whole life- your money grows and also you get death coverage. Whole life insurance premiums are more in USA and are generally doesn't payout that much any way ( interest rates are low here). 

If you have Costco, protective life gives you better rates. Try to take life  insurance before you turn 30 , 35 or atmost 40. Don't rely on GoFundMe campaigns for family support if something happens to you!😡

 

 

 

Thanks bhayya