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Term Insurance Plans - Life Insurance Guide

Term insurance guide from Bajaj Allianz Life

Term Insurance - Know Everything

Term insurance is a type of life insurance policy that provides coverage to the policyholder and financial protection to his/her family. A term plan is advisable if you want to ensure the security of your family in your absence. Understanding the basics of term insurance is important before buying the right term plan for yourself. Let us help you understand in detail about term insurance, how it works, its benefits etc.

Term Insurance Benefits for Nominees

Term Insurance Benefits for Nominees

Nomination is one of the many term insurance benefits that you can take advantage of when you purchase a term insurance plan. In fact, it is crucial to the core idea of term insurance itself, because the very purpose of purchasing a term plan is to ensure that the financial benefits offered under the policy protect your dependents. So, they will receive the benefits if you nominate them under the term insurance plan.

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Types of Term Insurance Premium Payment Options

Types of Term Insurance Premium Payment Options

A term plan is a beneficial product that allows you to financially secure your family’s future. In addition to protecting your family, it also gives you some much needed peace of mind.

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Duration of Term Insurance Plan

What should be the Duration of my Term Insurance Plan?

When it comes to protecting your future and securing the finances of your loved ones, life insurance is one of the preferred financial products available in the market. And term insurance plans, in particular, can be beneficial for people looking for affordable ways to secure their future. Wondering what term insurance is? And unsure of what the duration of your term policy should be?

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Regular Premium Term Insurance Plan Explained

Regular Premium Term Insurance Plan Explained

Life’s uncertainties can turn up when you least expect them. And while it is not easy to predict what emergency may crop up when, it certainly is easy to be prepared for such situations. If you’re wondering how this is possible, the answer lies in term insurance. It’s affordable, it offers a large life cover with several other optional benefits, and it can be customized as per your needs.

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Term insurance premium

Term Insurance Premium – Know All About It

Rising costs of living have made the process of living itself a rather expensive process. These daily costs interspersed with high healthcare costs aren’t necessarily surprising but are a tough pill to swallow, nonetheless. By armouring themselves with a layer of financial protection, individuals can award themselves with financial coverage should they need it. One form of financial protection that may be considered is term insurance. This form of insurance is easy to buy as it is available on the internet. There exist several tools aimed at making the selection process for the appropriate form of term insurance easier.

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Individual vs group term life insurance

Individual vs Group Term Life Insurance Explained

Advancements made to society have meant that there have been corresponding advances made in the collective standard of living that individuals are awarded with. These positive changes have been accompanied by ever-increasing daily expenses. Healthcare too has skyrocketed in terms of prices commanded and off shooting these expenses is no easy task. In order to provide your loved ones with some amount of financial protection, individuals are advised to invest in a term insurance plan. This form of insurance provides their loved ones with sufficient coverage should they need it in the future.

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Which term insurance plan suits your age

Which Term Insurance Plan Suits Your Age?

The present times we live in are saddled with uncertainty. Medical care is expensive, and the Coronavirus pandemic has further compounded these expenses. Individuals should avail themselves of financial security in the form of term insurance such that their loved ones can be secured.

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Is term insurance payout taxable

Types Of Term Insurance Payout Options Explained

As the collective standard of living of society has risen, so have expenses involved in maintaining this very lifestyle. Accompanying this is the ever-rising costs associated with healthcare. These are uncertain times we are presently living in. The 2nd wave of the Coronavirus pandemic which has taken the country by storm has only compounded the sense of uncertainty faced by all presently. By availing of a form of financial protection, individuals can have some form of coverage should the need arise. Term insurance plans are therefore viable as they seek to provide insured individuals with a financial safety net.

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Is term insurance payout taxable

Is Term Insurance Payout Taxable?

Financial protection is vital during these uncertain times. By availing of term insurance, individuals provide themselves and their families with a layer of financial security which can go a long way in serving and safeguarding them. Operating as a form of life insurance, there are a lot of misconceptions pertaining to tax policies that surround term insurance. Making oneself aware of all that term insurance and associated tax policies entail is prudent. This ensures no confusion in the future and term insurance tax benefits can then be taken advantage of in an appropriate fashion.

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How to pay your term insurance premium

How To Pay Your Term Insurance Premium

Healthcare prices have been increasing for the past few years and the general standard of living one affords oneself with has begun to cost more and more money over the past few years. The Coronavirus pandemic has only made these expenses more pronounced. People are advised to avail of a layer of financial protection such that they have some financial security for themselves as well as for their family.

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How term insurance calculator works

How Term Insurance Calculator Works

These are unprecedented times we are living in and there are no guarantees as to how life will pan out. The 2nd wave of the Coronavirus pandemic presently plaguing the country has compounded this fact. Availability of financial security at this moment in time is a prudent move as it provides you and your family with a layer of protection. Term insurance is one such form of financial protection one can consider for securing their family financially.

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What is Coronavirus Term Insurance

How To Choose The Right Term Insurance Sum Assured Amount

These are unprecedented times and having any and every form of protection makes a big difference. This protection can range from using N-95 masks that provide protection against the airborne Coronavirus pandemic to having financial security in the form of term life insurance. The 2nd wave of the Coronavirus has brought about tremendous amounts of suffering within the country as countless lives have been lost and the Indian economy is suffering with it. Social distancing restrictions imposed as a means of dissipating the threat of the virus have resulted in a sluggish economy. Being financially secured during this time is prudent as the only certainty that governs this unfortunate and difficult time is the lack of a life guarantee pertaining to anyone. Not only have the healthcare expenses increased but being able to avail of quality treatments and getting consultations is difficult now.

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What is Coronavirus Term Insurance

Covid Term Plan: What is Coronavirus Term Insurance?

The coronavirus outbreak has turned the attention of consumers towards insurance and insurance products. Unexpectedly, the outbreak grew into a full-fledged pandemic that brought life to a halt over most 0f 2020, and for a major part of 2021 so far.

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Is Term Insurance Claim Amount Taxable

Is Term Insurance Claim Amount Taxable?

Term insurance plans in India are one of the preferred options for individuals looking to financially safeguard their family. Not only do they financially compensate your beneficiaries upon your untimely demise by way of a death benefit, but they are also very cost-effective as compared to other life insurance plans. You can avail a sizable amount of sum assured by paying just a fraction of it as premiums.

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Income tax sections with term insurance tax benefits

List Of Income Tax Sections Under Which You Can Get Term Insurance Tax Benefits

A term insurance policy is one of the most affordable ways to secure the financial future of your family and ensure that their life goals remain unaffected. When you purchase a term insurance plan, you are essentially buying a life cover for a specified period.

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Does term insurance cover disability?

Does Term Insurance Cover Disability?

Purchasing a term insurance policy is one of the preferred ways to protect your family from the uncertainties of life. Not only is it easy enough to do, but is also very cost-effective. That said, many tend to equate term insurance benefits with something that is connected only with the death of the insured. However, that is simply not the case. There are several term life insurance plans that also cover other contingencies like accidents or disabilities suffered by the insured.

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Can I claim multiple term insurance plans

Claim Multiple Term Insurance Plans – Is It Possible?

Term insurance is the protection that you can secure not just for yourself but also to make sure that your family is cared for. As you start working your first job, it is vital that you design your life goals in a manner where you are able to set aside specific funds where your life goals can be met, especially to care for your family.

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Term insurance tax benefits on riders

Term Insurance Tax Benefits On Riders

While it is common knowledge that a term life insurance plan acts as a financial cushion for your family during an adverse event, not many are aware of the various term insurance tax benefits that come along with it. Surprised? Yes, term insurance plans offer several tax benefits to you. That is not all. Even the riders that term plans offer provide you with an avenue to reduce your overall tax liability. Wish to find out more? Then continue reading.

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Why it is safe to buy term insurance online

Is It Safe To Buy Term Insurance Online?

If you are planning to buy a term plan online but are nervous about how safe it is, this article is for you. In answer to the question, yes — it is safe to purchase an online term plan. When you are opting for a term insurance policy online, you have the option to log onto the insurance company’s website directly, browse through the variety of plans they offer, and choose the one that suits your requirements. Such websites also ensure that the transactions are protected and your personal details are secure.

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When to review term insurance coverage

6 Life Events When You Should Review Your Term Insurance Coverage

Life can throw unexpected incidents your way when you least expect it. Some may be welcome changes, while others may not. For the unexpected unfortunate incidents, what you need is a financial safety net that can help you and your family to tide over the tough times. The most affordable way to put such a safety net in place is to purchase term life insurance.

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Conditions for term insurance tax deductions and exemptions

Conditions for term insurance tax deductions and exemptions

Perhaps you are already aware of the term insurance meaning and that it provides your family with a financial safety net in the event of your untimely demise. However, did you know that a term insurance plan could also help you save tax? That is right. Here is some more information regarding term insurance tax exemptions.

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Tax benefits and refund details about term insurance

Tax Benefits And Refund Details About Term Insurance

A term life insurance plan is one of the preferred investment option, since it provides your family with a protective life cover that can help them carry on with meeting their life goals even when you are not around. That said many potential buyers of insurance tend to wonder - "Is term insurance tax free?"

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Why you shouldn’t surrender your term policy

Why You Shouldn’t Surrender Your Term Policy

Of the myriad of insurance options out on the market, a term insurance policy is probably the most affordable way to secure your loved ones. When you choose to buy term insurance online or offline, whomever you select as your nominee becomes eligible to receive a death benefit that can help them lead a stable lifestyle in your absence. Additionally, due to the lack of benefits on its maturity, pure term insurance also permits lower premium payments.

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Why you shouldn’t surrender your term policy

Limited Premium Payment Term In Term Insurance

Of the myriad of insurance options out on the market, a term insurance policy is probably the most affordable way to secure your loved ones. When you choose to buy term insurance online or offline, whomever you select as your nominee becomes eligible to receive a death benefit that can help them lead a stable lifestyle in your absence. Additionally, due to the lack of benefits on its maturity, pure term insurance also permits lower premium payments.

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How term insurance secures your family

5 Ways In Which Term Insurance Secures Your Family

Term insurance plans in India are amongst one of the most affordable ways to secure oneself and one’s family from the unforeseen loss of the financial provider in the family.

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Why you should renew your term policy on time

Why You Should Renew Your Term Policy On Time

A term insurance plan or term policy is an insurance plan where one can, at affordable premiums, cover themselves and their dependents against financial uncertainties in case the policyholder passes away during the tenure of the policy. At a relatively low premium, term plans offer substantial coverage to policyholders. However, it is crucial to keep in mind the difference between traditional life insurance and term insurance. In the latter, if you were to live out your entire policy’s term, there is no benefit offered at maturity.

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Term insurance grace period

Term Insurance Grace Period Explained

Amongst the myriad of insurance options out on the market, a term insurance policy is probably one of the most affordable ways to secure your loved ones. When you choose term insurance plans, your nominee becomes eligible to receive a death benefit that could help them lead a stable lifestyle in case anything uncertain were to happen to the life assured.

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Online term plan vs offline term insurance

Difference Between Offline And Online Term Plans

Life’s uncertainties can often derail carefully laid plans. However, if you are looking for a solution to ensure that even in the face of uncertain circumstances, your loved ones can continue to live comfortably and achieve their life goals, you can always buy term insurance and secure your family’s financial future. If you are wondering about "What is term plan?" or "How to buy term insurance?" here is everything you need to know about offline and online term plans.

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Term insurance claim rejection reasons

Top 5 Reasons For Term Insurance Claim Rejection

If there is one thing everybody universally wants, it is to ensure that their loved ones do not suffer any financial burden even if they are no longer around. In case you are the primary breadwinner in your family, you will no doubt agree that if you had the option to ensure that your debts or your liabilities do not burden your family, and that they can continue to achieve their life goals as per the plan even in your absence, you will no doubt grab the opportunity.

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Guaranteed term life insurance

Guaranteed Term Life Insurance Explained

Investing in a term policy is one of the preferred ways to protect your family from financial troubles after your death. That is not all. There is absolutely no dearth of options and variations when it comes to term plans and they are very much customizable according to your needs and requirements. If you are wondering, what it is, continue reading to find out more about guaranteed life insurance plans.

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Term insurance with lump sum payout

Lump Sum Payout In Term Insurance

Term insurance is one of the preferred investment option to protect a family from the after effects of unpredictable events like the sudden and untimely death of an earning member. It keeps your family from going into financial distress arising out of loss of income.

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How to ensure your term insurance policy never lapses

How To Ensure Your Term Insurance Policy Never Lapses

As we all know it, life can be quite unpredictable. A crisis might just be around the corner and you may not know it. That is why it is extremely important to account for unforeseen contingencies and crises. One of ways to do that is through a term insurance plan. It can help keep your family protected even in the event of an unforeseen or untoward incident.

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Does term insurance cover natural death

Does Term Insurance Cover Natural Death?

In the event of your premature death, a term insurance plan is one of the preferred ways to protect your family from financial stress. One of the major term insurance benefits lies in the fact that it offers your family the financial assistance needed to achieve their life’s goals and objectives. However, does term insurance cover natural death? If this question is something that is running on your mind, here is some information that can help you out.

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Term insurance for single parents

How Much Term Insurance Do Single Parents Need?

Life insurance is one of the essential financial products for anybody who has any dependents. Young people with retired, aged parents who rely on them for their financial needs, working people with non-working spouses, and parents with children who are in school or college - all of these people may rely on life covers to ensure that their dependents are not left financially weak in case anything untoward happens to the earning member of the family.

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Why term insurance has low premiums

Why Term Insurance Has Low Premiums

Securing the future of your loved ones is undoubtedly on your priority list. While there are many ways to go about doing this, purchasing life insurance is one of the preferred ways to ensure that even in your absence, your family has the financial resources necessary to carry on and keep up with their life goals. Now, if you’ve have ever looked around for life insurance plans and compared the policies from different life insurance service providers, you would have no doubt come across term insurance plans.

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Joint term insurance vs separate term plans

Joint Term Insurance Or Separate Term Plans?

Life is uncertain and there is no way any of us can predict what the next will bring with it. Amidst all of this uncertainty, you will no doubt want to do everything in your power to safeguard the future and the needs of your family. One of the surest ways to do this is to buy a life insurance cover for yourself and for your family. That way, in case anything untoward happens to any of the breadwinners of the family, the surviving members will have a financial safety net to fall back on.

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Best Term Insurance for Cancer Patients

How To Buy Term Insurance Plan For A Cancer Patient

Cancer is a disease that can put families under tremendous physical, mental, and financial stress. Considering the brutal nature of this disease, it is of utmost importance for a family to buy term insurance to keep themselves financially protected. But then, does term insurance cover cancer?

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Term insurance vs health insurance

Know The Difference Between Term Insurance And Health Insurance

Many people remain unaware of the various insurance products and their benefits. When it comes to financially securing the future of your family, insurance products are one of the preferred investment cum insurance options available in the market right now. Most individuals have a hard time trying to understand the term insurance vs. health insurance concept. In fact, people may think they are the same. However, they are two distinct insurance products with different benefits and use cases. Here is an in-depth look into these two popular types of insurances.

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Term insurance buying guide

Term Insurance Buying Guide

When it comes to safeguarding yourself and your family against the uncertainties of life, there is little you can do. Life insurance, however, is one way to ensure that your loved ones can remain on the right track to fulfil your life goals even in your absence. Term insurance, which is the most affordable kind of life insurance, is a preferred choice for people looking for a purely protective cover. If you are unsure of how to get started and buy term insurance online or offline, this guide can help you out. To make things clear, let us begin with one of the most fundamental things you should know - term plan meaning.

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Pure term insurance plan

What Are Pure Term Insurance Plans?

If you’re looking for an affordable and fool-proof way to secure the future of your family in case something unexpected and untoward were to happen to you, a life insurance cover is one of the preferred solution for your needs. There is a plethora of choices available in the market today, and people looking for life insurance have a variety of policies and plans to choose from. Right from the level of coverage and the premium payment options to the additional riders and pay-out benefits, there are varied choices to make.

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Cheapest term insurance

Is Cheapest Term Insurance The Best?

Safety is something we tend to naturally prioritize in life. Right from locking our doors every night to using seat belts before heading out for a drive, we do all we can to remain safe. If you wish to extend this regard for safety to your family and loved ones, insurance is one of the ideal product to look for. Life is no doubt uncertain, and in case something untoward were to happen to you, insurance can help your family carry on without any financial stress even in your absence.

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Compare term plans

How To Compare Term Plans

Life can be uncertain when you least expect it to. While there are some things that you can predict or foresee, other emergencies may occur all of a sudden, in an unexpected manner. This is why it is always a good idea to be prepared for contingencies as much as possible. Insurance is a financial product that can help you fulfil this goal. Term insurance, which is the most affordable form of life insurance, is one of the preferred options for people keen on securing their financial future.

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Term insurance with money back

Term Insurance With Money Back – Yes, It Is Possible

Term insurance is the purest form of life insurance. It is essentially a type of a life insurance policy that provides the nominees or beneficiaries a death benefit in the event of the policyholder’s demise. In exchange for the life insurance cover, the policyholder is required to make regular payments known as "premiums" to the insurance company.

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What happens when term policy expires

What To Do When Your Term Insurance Policy Expires

Life takes many twists and turns, some expected, and some, quite unexpected. If the unexpected occurrences add value to your life, they are pleasant and easy to welcome. However, what if something untoward happens unexpectedly? In that case, it is important to have a financial safety net that can keep your loved ones secure and safe financially, and help them fulfil their life goals as per their original plan. Here is where a term policy appears. With term insurance in your financial portfolio, you can be rest assured that your family’s life goals - like the education of your children or the dream of your loved ones to live in their own home - remains on track and are fulfilled as per plan, even in your absence.

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Renewable Term Insurance

Renewable Term Insurance Explained

If you are looking for life insurance plans, there are many options to choose from. For the simplest and an affordable kind of life cover, you can opt for term insurance plans in India. These plans are mostly suitable for everyone, irrespective of the budget you are shopping for, because term insurance premiums are very nominal.

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Term Insurance For Senior Citizens

Term Insurance For Senior Citizens

Most people tend to overlook term life insurance. However, they are one of the most cost-effective insurance options available for individuals. It helps you protect your family from financial stress in the event of your unfortunate demise and gives them financial benefits that help them carry on and achieve their life goals.

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Can term insurance be extended

Can I Extend My Term Insurance Plan?

When it comes to protecting your family financially, term insurance continues to be one of the most preferred options available to an individual. It helps keep your family financially secure even after your demise, thereby allowing them to fulfil their goals. However, most people buy term insurance plan for a specified time and post that the cover ceases. Therefore, the question of "Can term insurance be extended?" inevitably arises. If this is something that you have also been wondering, read on to find out.

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Know if term insurance premiums increase

Do Term Insurance Premiums Increase?

Life is unpredictable and fragile. You never know when something unexpected may throw all your plans out of order. Amidst such uncertainty, term plans offer some level of financial security to you and your family. The importance of term insurance has only been strengthened by the onset of the coronavirus pandemic. Incidentally, the rise in reinsurance costs appears to be affecting the premiums charged for offline and online term plans.

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Premium paying term

What Is Premium Paying Term?

While buying an insurance plan, you might have come across something called the "premium paying term". Have you ever wondered what that term stands for? If you have, then that is exactly what we will be looking into here. Let us begin by getting to know how a term insurance plan works.

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Best term plan in India

How To Choose The Best Term Plan In India For Yourself

Term life insurance is one of the key protection instruments that you ought to invest in. Life can take a turn for better or worse any moment, so it is only prudent to pick the suitable term plan in India as early as possible. Let us begin by answering the basic question — what is term insurance?

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5 year term life insurance policy

5 Year Term Life Insurance Policy

Term plans are life insurance products that help you secure the future of your family. When you buy term insurance, you will most likely look for a policy that offers a longer period of coverage. For example, a term plan that covers you for 20 years or 30 years may be something that you will naturally gravitate towards, because your intent is to secure the future of your family over the long term.

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Family term insurance

Family Term Insurance – Know All About It

Life is very uncertain, and the pandemic has only reinforced this fact. You never know when something untoward may happen to you, leaving your dependents devoid of their primary source of income. If you are the sole earning member in your family that may mean that, your beneficiaries do not have any other source of income to rely on in case of your unfortunate passing.

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Term insurance vs life insurance

Difference Between Term Insurance And Other Types Of Life Insurance

Life insurance policy is a contract between the policyholder and the life insurance company where the insurance company provides a lump-sum payment, known as death benefit to nominees/beneficiaries upon the life assured’s death or maturity benefit at the time when the insurance plan matures in exchange for an amount known as premium to be paid by the policyholder.

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Can we change nominee in term insurance

Can We Change Nominee In Term Insurance?

A term insurance is a type of life insurance plan, which provides life coverage in case of the policyholder’s unfortunate death. This enables one’s family to continue to afford a decent standard of living even if any unforeseen miss happening occurs in the life of the policyholder. Term insurance plan is purely an insurance plan and does not have any savings component in it. Hence, a term insurance plan cannot be used for investment purposes.

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Types of term life insurance

Types Of Term Insurance Plans In India

Life may be great for the most part, but at some point, uncertainties and unexpected events may happen. They may be sudden job losses, pay cuts, or even accidents. And almost always, such incidents come with financial difficulties. This is particularly true when there is sudden demise of the primary breadwinner in a family. Loss of the primary source of income can prevent the surviving members of a family from achieving their life goals as planned. In situations like these, a term insurance plan can be the saving grace that is needed.

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Group term insurance

What Is Group Term Life Insurance?

A term life insurance is an insurance plan that ensures that you are protected for a specific term you opt for, which can go up to 99 years depending up on the product opted for. If the person passes away during the term of the policy, the loved ones of the insured person gets death benefit. However, term insurance does not come with maturity benefits unlike traditional life insurance. Therefore, if the person passes on after the term of the policy, the policy no longer exists and there are no maturity/death payout under the policy. Term life insurance plans are less expensive than other life insurance plans.

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Term insurance terms and conditions

Common Term Insurance Terms & Conditions You Should Know

Term life insurance policies have emerged as one of the a popular choices among different age groups who wish to secure the wants and needs of their loved ones, in case of any unforeseen situations such as their own death.

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Term insurance eligibility criteria

Term Insurance Eligibility Criteria - Explained

At times of financial distress and uncertainty, it is great relief to have a safety net to help you cover for unexpected expenses. One of the most useful investments you can make to fulfil this purpose is that of a term insurance plan. There are a number of term policies that you can avail to meet your requirements as well as make the most of the many additional benefits they offer.

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What Is Policy Term

What Is Policy Term?

Even at the best of times, life can be unpredictable and emergencies can strike without a moment’s notice. Therefore, in order to never find yourself in a situation that is financially burdensome, it is recommended to avail a suitable term insurance plan to ensure a safety net.

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How to change nominees in term plan

How To Change Nominee In Term Insurance Plan

When you buy term insurance, most of the focus and calculation goes on arriving at the right coverage amount, the premium you have to pay, and buying riders and add-ons. While engrossed in these aspects, which are important of course, it is important to mention the nominee name without which the policy would not be issued. Having a nominee amongst your loved ones ensures that they are able to enjoy the benefits of the policy in case of any unforeseen event that could occur to you.

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Term insurance nominee

How To Choose Your Term Insurance Nominee

Worried about the financial security of your loved ones? Get yourself a term insurance plan. If you ask, "What is term insurance?" here is a definition that helps: A term insurance plan is a pure protection plan that ensures that your loved ones are taken care of in the unfortunate event of your demise during the policy term. A term insurance plan ensures that your family members get death benefit in such unforeseen circumstances.

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Can term insurance be claimed under 80D

How To Avail Term Insurance Tax Benefits Under Section 80D

Term insurance offers financial protection and security to your loved ones and yourself so that you are able to meet life goals in spite of all the uncertainties that life throws at you.

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Buy term plan that covers COVID-19

Buying A New Term Insurance Plan? Ensure It Covers COVID-19

If you are wondering what is term insurance, it is a life insurance plan that provides cover to a person for a specific term in consideration of premium payment. In the unfortunate event of the person’s death during the specific term, death benefit is paid to the nominee. Term insurance is a cost-effective solution as the premiums are relatively lower as compared to other life insurance plans.

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Check if term insurance is valid outside India

Is Term Insurance Valid Outside India?

One of the most effective methods of providing for your family in your absence is term insurance. The simple and affordable nature of the plan has enjoyed widespread appeal. Thus, it is natural that Non Resident Indians (NRI) and Persons of Indian Origin (PIOs) may consider investing in a term insurance policy. As of December 2018, the number of NRIs and PIOs stood at 31 million as stated in a report published by India’s Ministry of External Affairs.

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Term insurance quotes

Term Insurance Quotes - Factors That Determine Your Term Insurance Premium

A term insurance plan is the most popular and common insurance option that people initially opt to purchase. Right from the time you begin work, you should invest in a term plan as it offers the highest amount of protection. Term insurance ensures that everybody who is dependent on you will be looked after even if you are no longer around.

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Non medical term life insurance

Term Insurance Without Medical Tests – All You Need To Know

If there is anything that the current pandemic has put in sharp focus, it is the fact that it is vital to be prepared for the uncertainties of life. One of the most effective means of achieving this is by availing a suitable term insurance plan that can provide adequate financial security to our loved ones. In fact, with the availability of online term plans, availing insurance has become easier than ever.

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Term insurance claim process

Term Insurance Claim Process – Everything You Need To Know

Term insurance in India is the most popular life insurance product owing to the high coverage it offers to policyholders at a nominal cost. With a term insurance plan, you can be rest assured that your beneficiaries will be taken care of even if the unexpected happens and you are no longer around to take care of them.

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Can I take 2 term insurance plans

Can We Buy Two Or Multiple Term Insurance Policies?

A term insurance policy ensures protection by offering financial coverage to the policyholder. It is one of the preferred protection instrument because the policyholder can feel secure knowing that their family will be well looked after, even if they are no longer around due to unexpected reasons.

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Term insurance for coronavirus

Does Your Term Insurance Plan Cover Deaths Under COVID-19?

Life can be unpredictable. When you least expect it, a crisis could come your way and catch you unawares. This is why it is important to plan for contingencies. While you are planning for any unexpected things that may come your way, it is a smart decision to buy term insurance. Term insurance plans can be particularly useful during a crisis; since they help your family get through the loss of income and achieve their life goals as planned.

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 Term insurance for parents

Term Insurance Benefits For Parents

Purchasing term insurance is a great way to protect your family’s future financially and help them achieve their life goals. Most people tend to focus on getting a term policy for themselves or their spouses alone. When shopping for an insurance plan, parents are often not part of the equation. However, purchasing a term insurance for parents can offer both you and your parents a whole world of benefits. Here is a closer look at the benefits of term insurance for parents and some reasons why you should purchase it.

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Term insurance for home loan

Term Insurance For Home Loan

India is a developing country with people moving up the prosperity ladder at a rapid pace. The first major expense that most people bear as their income rises is towards buying a house. Home loans are a preferred tool for a majority of people aiming to buy a house. However, the nature of the home loan is drastically different from other forms of financing. A home loan typically lasts for 20 years or above. Taking a home loan essentially means creating a long-term liability for your family. Moreover, in the younger years of life, the home loan is not the only debt one has, there are other medium and short-term borrowings like car loans and credit card bills.

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How much term insurance should I buy

How Much Term Insurance Do I Need

"How much term insurance do I need?" - It is a common question in many people’s minds. It is ideally suggested to have a term insurance cover of at least 10 times of the annual income. However, the term insurance coverage amount depends on how one assesses their needs and makes a decision as per their risk appetite to ensure the right cover amount to secure their loved ones.

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How to choose term insurance

How To Choose Term Insurance

To choose the right term insurance plan for securing your family’s future, you need to consider many factors. It is important that you opt for the right term plan, since the life insurance cover can act as a financial safety net for your family. There is no telling what can happen in life. Uncertainties and emergencies may crop up when you least expect them. With the possibility of such contingencies being very real, it is only natural that you will want to safeguard your family from the troubles that follow such incidents.

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Single premium term life insurance

Single Premium Term Insurance Plan – When Should You Opt For One

In recent years, the penetration of insurance has increased tremendously. Giving into the increased demands of consumers, insurance companies are bringing in a plethora of new term insurance plans.

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Term insurance documents required

Documents Required For Term Insurance And Why

Term insurance is one of the purest and a cheaper form of life insurance products. This type of life insurance pays death benefit to the nominee in case of the policyholder’s unfortunate death. The death benefit amount may be given as a lump sum amount or in periodic pay-outs depending on the features of the plan.

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How does term insurance work

How Term Insurance Works

The current COVID-19 pandemic has revealed the uncertainty of life and highlighted the importance of term insurance plans. Whether you are the sole provider in the family or have an earning spouse, having the protection of term insurance is essential today. Can you imagine your family having to live on half of what you earn or worse without any regular monthly income?

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Term insurance claim settlement ratio

How Term Insurance Claim Settlement Ratio Matters

Term insurance is one of the essential financial product that helps secure the future of your dependent family members. It ensures that your beneficiaries have a financial safety net to fall back on in case something untoward happens to you later in life. When you buy term insurance, you are effectively safeguarding the future of your loved ones. In the process, you also get to enjoy tax benefits under section 80C and section 10(10D) of the Income Tax Act, 1961, subject to provisions stated therein.

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Term insurance under which section

Term Insurance Comes Under Which Section?

A term insurance plan, also known as pure life insurance, is a kind of insurance plan that provides coverage for a specified period. In case of the demise of the insured during the policy term, a term plan guarantees the payment of specified benefits to the insured person’s nominee subject to the terms and conditions mentioned under the policy.

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What medical tests are required for term insurance

What Medical Tests Are Required For Term Insurance?

Things may not always go as planned in life because it’s full of uncertainty. But that shouldn’t stop us from preparing and planning to meet our life goals. If you follow the right steps, term insurance can be a tool that ensures your family never has to compromise on the quality of their life, no matter the circumstances.

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Decreasing term insurance

What Is Decreasing Term Insurance Plan?

Indians are known to be good savers, setting aside a significant chunk of income for emergencies. With a life insurance penetration of just 2.76%, savings have become a cushion for unforeseen circumstances. With a high dependence on savings, a fall in savings rate is worrying. The net financial savings of Indian households have witnessed a steady fall over the years. While dwindling savings is a matter of concern, affordable life insurance products like Term insurance can help provide financial protection.

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Is term insurance good for you

Is Term Insurance Good?

Yes, absolutely. Term insurance plans are good and worth every penny you spend. Whether you are the sole provider in the family or have an earning spouse, having the protection of term life insurance makes complete sense. Imagine your family having to live on half of what you earn or worse without any regular monthly income. Life can take an unexpected turn any moment and your family’s quality of life can suffer without the protection of term life insurance. Decrease in the level of income can negatively impact their lifestyle and completely derail the life goals you have set for them.

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Term insurance vs endowment plan

Difference Between Term Plan And Endowment Plan

If you’ve made the wise decision to invest in a life insurance plan and safeguarded the future of your family, the next step to focus on is choosing the kind of life insurance you wish to purchase. Should you opt for term insurance? Or is it a better idea to purchase life insurance which also gives a maturity benefit? To resolve the term insurance vs. traditional endowment insurance dilemma, it’s important to first address fundamental questions like "What is term insurance?" and "What is traditional endowment insurance?" Let’s get to the basics of these two types of life covers and understand more about their features and advantages.

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Term insurance till what age

Term Insurance Till What Age: How To Pick The Right Policy Period?

Term insurance is a life insurance plan where the policyholder is provided life cover for a predetermined duration or specific number of years. As a simple and cost-effective form of life insurance, term insurance provides death benefit to the nominee in case of the life assured’s death.

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1 Crore Term Insurance

Why You Need A 1 Crore Term Insurance Plan

Term insurance plans have evolved significantly over the years, and today, they offer a number of features and benefits that prove to be extremely useful. You can now be rest assured that in case of your untimely or sudden demise, your family will have a substantial amount to fall back on.

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 Term insurance premium reduction

Term Insurance Premium – Tips To Reduce Them

Term insurance is the simplest and the most cost-effective form of life insurance available to us. Term life insurance protection ensures that your family’s life goals such as children education or marriage don’t get disrupted even in adversity. Therefore, term insurance should be an important part of your long-term financial goal-setting plan.

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Term insurance under MWP Act, 1874

Why You Should Buy Term Insurance Under MWP Act, 1874

Are our families not at their happiest when all of us are together? Your family not just cherishes your presence emotionally, but they might also depend on you financially as you could be the sole breadwinner in the family. While you are around, you would always wish for the well-being of your loved ones and try to fulfil all of their needs. However, have you imagined how things could change if something goes wrong?

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 Increasing term insurance plan

Increasing Term Insurance Plan – Know All About It

What is Term Insurance? It is a tool to ensure the financial security of our loved ones and to help them meet life goals irrespective of the unforeseen circumstances. Term life insurance plan, though cost-effective and simple, can play a very important role in securing the future of our family members.

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What is term insurance plan with return of premium

What Is Term Insurance Plan with Return of Premium?

The acceptance of life insurance policies has been increasing in India over the last few years. Increasing awareness and diversified product offerings have played a crucial role in driving acceptance of life insurance. People have started considering life insurance a necessity rather than a tax-saving instrument. The availability of different types of life insurance has increased the customer base of insurance products. Term insurance with return of premium is one of the most popular types of life insurance.

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Joint term insurance plan

Joint Term Insurance Plan – What Is It?

Irrespective of whether you are single or married, purchasing a term life insurance plan is a good way to protect yourself and your family from the unpredictability of life. Term Insurance ensures that your family is financially supported in the event of any unfortunate incident. A term insurance plan also offers plenty of advantages to the insured.

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Term insurance for child

Term Insurance To Secure Your Child’s Future

Your life goals may vary from one stage to another. For instance, if you’ve recently earned your first pay-check, your short-term objectives may perhaps include creating an emergency fund or getting started with your savings. A little later in life, your goals could evolve to include targets like owning your first home or purchasing a car.

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Term policy features

5 Important Features Of A Term Policy

In today’s world, life insurance is of utmost importance, regardless of one’s age. Life insurance not only provides insurance coverage to the insured, thereby offering financial assistance to their family members and nominees in case of an unforeseen event, but it also provides several tax benefits. Furthermore, according to a recent UN report, India also has the world’s largest youth population, and this shift in culture and impetus on financial prudence is expected to drive positive change in the insurance industry [1].

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Term insurance age limit

Term Insurance Age Limit – Know All About It

Everyone wants their family to be hale and hearty. Even though most people don’t directly associate happiness with financial stability, it nevertheless plays an important part. Being an earning member of the family, it is your responsibility to ensure the financial stability of your family. A term insurance plan can be an efficient tool to financially ring-fence your family in your absence.

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Term insurance coverage after 65

Why You Shouldn’t Stop Your Term Insurance Coverage After 65

Term insurance has traditionally been considered as a protection plan that’s best taken when you’re younger. Since most people commonly retire between the ages of 60 and 65, term insurance plans are generally structured so that they offer coverage until the investor reaches 65 years of age.

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Term insurance for NRI

How NRIs Can Buy Term Insurance Plans In India

Non-resident Indians (NRIs) or Persons of Indian Origin (PIOs) are essentially people whose birth, descent, or origin can be traced back to the Republic of India. These people live outside their home country, thereby making them non-residents of India. NRIs and PIOs may be residing abroad for any one out of the many reasons. Some go abroad to pursue higher education, while others may be employed in foreign countries. The NRI population also includes spouses, parents, and children of people who may have left India to be employed abroad.

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Term riders meaning and benefits explained

5 Term Riders and Their Benefits Explained

Riders are an add-on to the life insurance policy, providing additional benefits at nominal extra cost. A term insurance plan essentially provides income loss protection in the event of death of the life assured, which enables life assured’s family to continue their life goals journey. Whereas adding riders to your term insurance plan will help in getting additional cover for contingencies like critical illness or disability etc. In essence, riders help in maximizing the benefits of your term insurance cover. This enables policyholder to continue their life cover and provide financial security to their family for achieving their goals.

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Term insurance comparison

5 Term Insurance Comparison Factors

Term insurance is one of the most important part of financial planning tools for an individual. It provides life protection to the policyholder and ensures that their family’s life-goals aren’t derailed in their absence. A term insurance plan provides a lump sum payment to the nominee if the life assured is no more even though some term plans offer an additional advantage of returning the entire premium paid at the end of the policy term if the life assured survives the policy term.

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Term plan with return of premium

Term Plan With Return Of Premium – Know All About It

Many Life insurance customers have expressed their concern on losing out their money if no claims are made during the tenure of their term insurance plan. To address this, life insurance companies are offering term insurance plans with a return of premium option. It means that if the Life assured continues to live through the policy tenure then at the end of policy term the life insurance company returns all the premium paid towards the policy.

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Term insurance plans comparison

Term Insurance Comparison – Regular Vs Return Of Premium Term Plan

A term insurance plan is one of the most popular types of life insurance. It offers the financial security of a lump sum pay-out to beneficiaries in the event of death of the life assured. As the duration of the coverage is pre-decided in the policy document, it is referred to as term insurance or term life insurance. When an individual buys term insurance, he/she ensures that their family’s life goals do not get derailed if they are not around.

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Term insurance with maturity benefits

Do Term Insurance Plans Have Maturity Benefits?

Term insurance plans provide a financial cover to a family / dependents on the event of a death of the breadwinner of the family. The cover helps the family to continue their life goals journey and not hit upon a financial burden on the death of the breadwinner. Term insurance acts as a back-up to your family’s life goals, enabling them to continue pursuing their goals even in your absence by providing them a life cover But, in case nothing happens to the breadwinner of the family, term insurance plans do not provide any maturity benefit. However, a term insurance plan with return of premium option provides maturity benefit if the life assured survives the tenure of the term insurance policy. These plans allow life assured the option to recover the total premium invested in the term insurance policy if the life assured outlives the policy term. This becomes a great value addition for those customers who are seeking to get at least their premiums back, if they outlive the term insurance policy term

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Term life insurance

Term Life Insurance – Why Get Coverage Up To 99 Years

Life is uncertain and we try everything we can to minimise this uncertainty. Every day, we are exposed to countless risks of death and disability due to natural and accidental forces. We try not to talk about the inevitable - talking about the eventuality of death forces us to confront the transience of life. But it is important to stay prepared for all uncertainties like death, disability, accident, etc. If something were to happen to you, how will your family deal with it? The loss of life has massive emotional consequences, but it also has implications for the lifestyle of your family and everyone you leave behind. One way you can make provision for the well-being of your family and dependents is by buying term life insurance.

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How to avoid term insurance claim rejection

How To Ensure Your Term Insurance Claim Never Gets Rejected

Data available from the Insurance Regulatory Development Authority of India (IRDAI) proves that life insurance claim rejection is real. Life insurance companies settled 8,60,000 claims and rejected as many as 12,769 claims during FY 2016-17. If you don’t want your family to suffer in your absence, you should take all measures to ensure that your term insurance claim never gets rejected.

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Term insurance for smokers

Why Smokers need to invest in a Term Insurance Plan

A tiny cigarette doesn’t cost a lot. However, your smoking habits can cost you your health. Every smoker is not the same though. It is possible that you smoke but maintain a healthy lifestyle. However, whether you smoke rigorously or occasionally, it is recommended to buy term insurance to secure your loved ones in your absence.

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Term insurance for non-working spouse

Why a Non-Working Spouse needs a Term Insurance Plan

Being a housewife might seem easy to some people. However, the job of a housewife is as important as any other earning member of the family. From managing the entire household to looking after children, a housewife solely bears the whole responsibility. In spite of playing an essential part in the family, the role of a housewife is undervalued in our society. The fact that a housewife too has life-goals like pursuing hobbies or travelling could seem alien, but is a reality.

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Term insurance with critical illness rider

Why Get A Critical Illness Rider With Your Term Plan?

Availing additional riders on term plans enhances the value of coverage. These riders are either included in the policy or an individual can purchase it along with the base plan. The most commonly opted rider under a term plan is the critical illness rider. It covers the cost incurred towards treatment of critical illness of the life assured.

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Term insurance FAQs

10 Frequently Asked Questions About Term Plans

The top priority of every family man is the well-being of his family. Over the years, he strives hard to meet every life goal of his family. However, in his absence, there is no one to look after their financial needs. In that case, a term plan becomes essential. With a term plan, the nominees of the policyholders are protected after the demise of the policyholder. The provision of death benefit ensures their financial security in the long run.

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Term insurance monthly payout

Importance Of Monthly Income Payout In A Term Insurance Plan

Death is an inevitable part of our lives. The loss of the breadwinner of the family impacts us financially as well as emotionally. If not managed efficiently, one can experience a permanent financial downfall. One of the most popular life insurance products like term insurance plan provides financial protection to the family members in the absence of the policyholder. The nominees can choose to receive the pay-out either every month or in a lump sum depending on the conditions mentioned under the policy.

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Term Insurance: How Much Should You Be Insured For And For How Long?

Term Insurance: How Much Should You Be Insured For And For How Long?

Term insurance plan is affordable and offers not just tax benefits, but also peace of mind that your loved ones will continue to achieve their life goals even in case of your untimely demise.However, most of us might not have a clear.

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Why terms plan in life insurance is important for single women

Why terms plan in life insurance is important for single women

A ladies handbag is her "Armageddon Resource Centre", carrying everything ranging from tissues to snacks, from coins to a Swiss army knife, and from makeup to pepper spray. Naturally, because women.

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How To Save Income Tax By Investing In Term Life Insurance Plan

How To Save Income Tax By Investing In Term Life Insurance Plan

Every year, around the end of the financial year, we tend to seek out financial instruments which help us in tax planning and savings. Of these, buying a life insurance policy has always been a popular option.

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Term Insurance : Insurance That Costs Less Than Your Daily Chai

Term Insurance : Insurance That Costs Less Than Your Daily Chai

Paul Stanley once said "Youth is incredible because you really do feel invincible." Since young professionals feel nothing can go wrong at their age, they tend not to plan for.

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Term Insurance Benefits and Things To Consider Before Buying a Term Insurance Plan

Term Insurance Benefits and Things To Consider Before Buying a Term Insurance Plan

Safety is an important consideration for all of us. For instance, when we are driving, we make sure that we have our seatbelts on for our safety.

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Term Life Insurance Policy Riders: Why They Matter

Term Life Insurance Policy Riders: Why They Matter

The Oxford English Dictionary defines a rider as "A condition or proviso added to something already agreed". When added to your life insurance policy, riders can be an effective and powerful addition.

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Why Term Insurance Is important for Working Couples

Why Term Insurance Is important for Working Couples

Power couples are on the rise. We see more families where both partners are choosing to climb the corporate ladder. It's a myth that life insurance.

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8 Questions You Should Ask Yourself Before Buying a Term Insurance Plan

8 Questions You Should Ask Yourself Before Buying a Term Insurance Plan

Term insurance is the purest form of insurance where for a fixed premium, you cover yourself against any unforeseen contingencies.

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What Is Term Insurance And Why You Should Get One

What Is Term Insurance And Why You Should Get One

Due to a plethora of insurance options available in the market, a majority of customers tend to overlook the simplest type of insurance. 

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How To Choose The Most Suitable Term Insurance Plan In India For Yourself

How To Choose The Most Suitable Term Insurance Plan In India For Yourself

It is obvious for an investor to get confused due to numerous insurance options available in the market. To purchase the right term insurance plans in India, one must understand the basics of the policy.

 

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 5 Term Insurance Myths Debunked

5 Term Insurance Myths Debunked

When it comes to term insurance plans, there are tons of perceptions doing the rounds. The real identity of the term insurance plans is lost amongst the judgements made about it.

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Term Insurance Premium Calculator – Know Everything About It

Term Insurance Premium Calculator – Know Everything About It

Selecting the right type of term policy is an easy process. However, the availability of numerous options makes it tricky to pick the appropriate plan.

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5 Mistakes To Avoid While Buying Term Insurance

5 Mistakes To Avoid While Buying Term Insurance

Investment in a life insurance policy is worth all your hard-earned money as it provides for peace of mind to the policyholder.

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What Is Online Term Insurance And How To Buy One?

What Is Online Term Insurance And How To Buy One?

We dread the painstaking process of purchasing term policies. The lengthy process is cumbersome as well as time-consuming.

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Term insurance vs whole life insurance

Term Insurance Vs Whole Life Insurance - Which One Should You Get And Why

Life insurance plans provides for the protection of your entire family as well as allows them to accomplish their life goals even in your absence. While purchasing a policy, investors prefer either term plans or whole-life insurance policies. Since these two policies are always pitted against each other, the selection between them is a daunting task.

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Buy term insurance

How To Buy Term Insurance At Different Life Stages

Ideally, the right time to buy term insurance plans is at a younger stage of life. While a majority of policyholders buy early, the rest acquire these policies only when they plan on extending their family. When you buy term insurance plan, it secures your families from unannounced emergencies arising in the future. Opting for a term plan at the appropriate time ensures the accomplishment of your life goals with ease.

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Online term plan benefits

4 Benefits Of Online Term Plans

The emergence of E-commerce has gradually decreased the painstaking process of buying an insurance policy. The availability of online term plans has lessened the formalities. The prime aim of an online term policy is the convenience and affordability of the consumers. With online term plans, an individual can access his policy from any corner of the world at a single click.

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Importance of medical tests for term insurance

Why You Should Undergo Medical Tests Before Buying Term Insurance

Undergoing a medical test before purchasing a term policy plays a significant role. Ideally, these medical tests are essential for the determination of your health quotient. When a policyholder gets a medical examination done beforehand, the insurance companies provide them with customized plans based on such reports. Failure to do so could lead to undesirable repercussions in the long run.

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Term insurance benefits for millennials

4 Term Insurance Benefits For Millennials

There are multiple reasons to purchase a term life insurance policy. However, opting for the right term insurance plan play a significant role in the lives of every millennial. With term insurance, a millennial can protect his family from financial contingencies, which may arise after his death..

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4 Ways To Choose The Best Term Insurance Plan For Yourself

4 Ways To Choose The Best Term Insurance Plan For Yourself

Life insurance is about offering financial security to your dependents in your absence. While many individuals appreciate the need for life cover, the process of identifying the ideal plan can be a difficult decision.

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A Launch to Inspire

A Choice Investment Options

As it turns out the 104-satellite launch is a world record by ISRO (Indian Space Research Organization) beating the 37-satellite launch by Russia in 2014. Heartiest congratulations to Team ISRO for making the impossible a reality!

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Bajaj Allianz Life Launches An Exclusive Micro Insurance Product

A Great Term Insurance Plan for Rural India

Bajaj Allianz Life targeted the low-income market with the launch of a micro insurance product that allows customers to choose between fixed and flexible loan tenure coverage , an exclusive feature of the plan is that the policy term ranges from as less as 6 months to 120 months ,with option of single life and joint life coverage.

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Cricket and Life: Games of glorious uncertainties

Deal Life's Uncertainties With Term Insurance Plan

The cricketing world is gaga about R Ashwin’s exploits. Most successful off spinner, on a record-breaking spree, budding allrounder, etc. But there are concerns staring at Ashwin and he must tackle them with alacrity. And these are the concerns that are challenging all individuals at some level.

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Why Term Insurance is One of the Best Investments

Term Plans Makes For The Best Investments

Every New Year sees a flurry of activity in the ‘resolution’ space. It’s either smoking less or not all, getting fitter, less angry, procrastinating less and having more action or some such resolve.

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IPL Auction 2017 – Different Stokes for different folks

Analyse Your Term Insurance Options Carefully

The IPL auction was conducted with much fanfare as usual with the added element of suspense in the backdrop of the board’s problems. The results of the auction would suggest that it’s just another day in the office for the IPL with team owners, willing to pay top dollar for the marquee players.

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Learn the Basics of Term Life Insurance

Learn the Basics of Term Life Insurance Plan

How a term plan can protect you & your family from the 'ifs' of life.

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The secret to a happy life!

Live a guilt-free in today’s times with term insurance

Eternal happiness is a myth. Sounds ironical? On the basis of the title of this article, it does. Essentially, staying happy will take efforts from you. You need to be emotionally strong, forget your worries, forgive easily, laugh harder, kiss longer and a host of other things that cinema suggests will make us happy individuals, just like our favourite on-screen characters.

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When The Tubelight Is A Slow Starter

Term Insurance Plan To The Rescue

Social media is abuzz with how the Tubelight has lived up to its name going by initial box office collections. But will the Tubelight live up to its potential, backed as it is by a successful actor-director team?

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Why term plans are a must have?

Low Premiums - Just One Of The Many Term Insurance Benefits

Life insurance is a long-term commitment about getting life cover in exchange of timely premiums. It lets you sleep in peace with the knowledge that your family is well-prepared for any uncertainty in your absence.

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Contact Us

Bajaj Allianz Life Insurance Company Ltd.

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006, Maharashtra

Tel No: 020-66026773

Fax No: 020-66026789

Branch Visit Timings:

Weekdays - 9:00 AM to 3:30 PM

Customer Care Helpline:

1800-209-7272

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

NRI Services Helpline

Monday 7:00 AM to Sunday 7:00 AM (IST)

Sales Enquiry Helpline:

1800-209-4040

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

For NRI: +91 20 67688888 (Call charges apply)

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

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The above information is for general understanding and is meant to educate the general public at large. The reader will have to verify the facts, law and content with the prevailing tax statutes and seek appropriate professional advice before acting on the basis of the above information.