Can you suggest good term insurance for 1.5 cr and my age is currently 28 yrs. Dont want to delay it more as it will only increase the premium.

It would really appreciate your response over this

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Consider 2-3 things

1. Critical illness: incase you are detected, they offer some lumpsum amount

2. Payment plan: never take a term insurance that gives lumpsum amount to your family when you are no more.. ensure monthly plans along with some lumpsum (30/70%)

3. Take only for 55years, and don't take for fixed number of years i.e. 5, 10 with increased premium but for whole time you are covered

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What's your total health insurance cover? If it's standard it would be max 10lac but sometimes there are some critical illness which can take more than that when are you're hospitalised (just in case)

2. For that you need to check with the company, icici do provide this feature that helps your family receive monthly amount(along with some part in lumpsum) incase of your demise

I see people mentioning critical illness rider here. There's also 'Terminal illness riders' which helps if you get a terminal illness - either advance you part of the cover or allows you to stop paying premiums. Take this rider even if you don't take Crit, it's <INR 100 p.a.

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Just take any term plan which has the lowest premium and do not add any add-on riders. That's it!

Would like to know about your health insurance cover. How much are you insured for? Is it individual or family/floater? I just turned 23 and got term, havent gotten health yet and my company’s floater is only 5 lacs which seems pretty low.

HDFC life seems good

Can you share the premium you pay and for what amount?

Tata AIA is pretty good

Opted for 1Cr and want to finish it in 20 years rathar than 40 more years. Also took it for me being 75 years ,just in case I live that long .

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DM me for having best plans

Bro, trust me and whatsapp Ditto Insurance

Okay bro..will try ditto

Contact Policy Bazar or Ditto. They will suggest you as per your needs.

Policybazaar spams. Ditto doesn't. That's their usp.

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