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    Low Premiums - Just One Of The Many Term Insurance Benefits

    Term Plans : The best way weather a financial storm.

    Why term plans are a must have?

    Why term plans are a must have?


    May 15, 2017

    By : Bajaj Allianz Life

    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.

    With such a straightforward and meaningful proposition, you would think everyone would get himself a life insurance plan. However the reality is quite different, as we will see in Siddharth’s case.

    Why individuals are hesitant to buy insurance?

    Siddharth Kapoor is a 30-year-old private sector employee.He is married with a kid. He understands the need for life insurance and has often thought ofbuying an insurance policy at the first opportunity.

    That opportunity has never come, and for a good reason.

    Just about every agent he has met has drawn up an insurance plan for him and his family that involves paying expensive premiums for a period of 15 to 20 years. Siddharthfeels it may not make sense to pay so much money every year.

    Siddharth’s dilemma must sound familiar to many individuals.

    When Siddharth almost dropped the idea of buying life insurance,he met with a good financial planner from a reference.

    This meeting ends on a very different note and convinces Siddharth about the need for alife insuranceplan at the earliest.

    What was so different about Siddharth’s last meeting?

    Enter, term plans

    The engagement with this particular financial plannerturned out to be very different for Siddharth. It began with the basic questions on salary, expenses and liabilities that go in the calculation of the sum assured.

    However, this time around the financial planner suggested an insurance plan with a comparably lower premium for the same sum assured. This made the prospect of buying life insurance easier for Siddharth.

    Siddharth was sold a term plan by his financial planner. And term plans have some key features that make buying life insurance an easier decision.

    What makes term plans affordable?

    Term plans offer life cover with no savings or profits component. Simply put, if Siddharth survives the policy tenure, he will not receive a payout. Term plans make a payout only in case of an unforeseen eventuality.

    For this reason term plan premiums are affordable compared to other forms of life insurance.

    Compared to a ‘with profits’ or participating insurance plan, Siddharth can get a higher cover on a term planat a far lower premium.

    This makes term plans more suitable for Siddharth and others with similar needs and financial profile.

    Like Siddharth, if you are mulling on buying a cost-effective life cover to secure your family, a term plan must have priority among your other financial saving plans.

    Don’t let worry come knocking on your doors. Be prepared with Bajaj Allianz Life eTouch Online Term Plan, a solution for you and your loved ones to be able to realize your dreams without any compromises, incase of an unforeseen event.

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