Term insurance plan provides more cover than ordinary life insurance how?

टर्म इंश्योरेंस प्लान में मिलता है साधारण जीवन बीमा से ज्यादा कवर, प्लान लेते वक्त रखें इन बातों का ध्यान
Term insurance plan provides more cover than ordinary life insurance, keep these things in mind while taking the plan
If you want to ensure the financial security of yourself and your family, then insurance is the best solution for you. Now insurance also comes in many types. One of these is term insurance. This is the purest form of insurance policy. In this you get a very high price cover at a very low premium. Such policies are taken purely for safety. In term insurance policy, there is no money-related benefit on maturity, but the nominee gets the sum assured in case of untimely death of the policyholder. This amount is many times more than a traditional life insurance plan. Generally term policies are taken for 10, 15, 20, 25 and 30 years. If you are also thinking about taking a term insurance policy, then it is important for you to keep some things in mind.
When to buy term insurance
The sooner you take term insurance, the more you will benefit. The longer you take, the premium amount will increase. So if you want a cheaper premium, buy insurance as soon as possible.
Use insurance premium calculator
First assess your needs and then decide a plan for yourself. You can use the insurance calculator to choose a plan. On the site of almost all insurance companies, you will find insurance calculators. With the help of calculator, you will be able to choose the right plan according to your budget.
Do the comparison well
Before purchasing any term insurance plan, make a comparison between one or two plans. Suppose there are two plans on the website of a company, out of which the premium of one goes in small pieces and the other together. In such a situation, people often take a cheap looking plan. In such a situation, it should be kept in mind that cheap looking premium can increase after medical test. Therefore, choose your plan keeping these sub-factors in mind.
Buy rider when needed
Rider means any attachment to any insurance policy. Means to combine the risk covered in the policy with any other risk with the same policy. That is, if you take a normal life insurance policy, then you can add an additional rider to cover the risk of critical illnesses as a rider. You can also take a rider with term insurance. However, the cost of premium increases with the rider, so include the rider only when needed.
Fill in the correct information
Term insurance is directly related to your life and health. In this case, fill all the information correctly while filling the form. Do not hide your medical history or habits like drinking and smoking. The amount of insurance is claimed based on your information. If any of your hidden information is revealed to the company later, then the company can reject your claim.

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