Question 1

Term Insurance kya hai?

Accepted Answer

Term Insurance ek aisi life insurance policy hai jo aapki chuni hui term tak coverage deti hai. Iski policies samay se pehle expiry hone par amount nahi milta.

Question 2

Life Insurance kya hai?

Accepted Answer

Life Insurance ek aisi policy hai jo aapki death par aapke nominee ko ek specified amount deti hai, chahe aapki life-term khatam ho ya na ho.

Question 3

Kya mujhe Term Insurance lena chahiye ya Life Insurance?

Accepted Answer

Yeh aapki financial situation aur goals par nirbhar karta hai. Term Insurance sasta hota hai lekin life coverage nahi deta, jabki Life Insurance long-term savings bhi karti hai.

Question 4

Term Insurance aur Life Insurance ke beech kya antar hai?

Accepted Answer

Term Insurance fixed duration ke liye cover deta hai, jabki Life Insurance lifelong protection ke liye hota hai aur ismein savings ke elements bhi hote hain.

Question 5

Term Insurance ki premium cost kaisi hoti hai?

Accepted Answer

Term Insurance ki premium cost aam taur par kam hoti hai kyunki yeh sirf risk coverage deti hai aur koi savings component nahi hota.

Question 6

Kya Term Insurance tax benefits deti hai?

Accepted Answer

Haan, Term Insurance premiums par aapko Section 80C ke tahat tax deductions milte hain.

Question 7

Life Insurance ke kya fayde hain?

Accepted Answer

Life Insurance ke fayde mein financial security, savings, aur tax benefits shamil hain. Yeh long-term goals ke liye bhi bhadiya hoti hai.

Question 8

Kya mujhe Term Insurance ke saath additional riders lene chahiye?

Accepted Answer

Haan, additional riders jaise accident cover ya critical illness add karna aapke coverage ko aur bhi behatar bana sakta hai.

Question 9

Kya children ke liye bhi Life Insurance lena chahiye?

Accepted Answer

Haan, aap apne bachchon ke liye Life Insurance le sakte hain, jo unki financial security aur future planning mein madad karta hai.

Question 10

Family Financial Planning ke liye kya zaroori hai?

Accepted Answer

Family financial planning ke liye sahi insurance, investments, aur budgeting ka tayin zaroori hai, jisse aap apne family goals achieve kar saken.

Kya Chunein: Term Ya Life Insurance? - Frequently Asked Questions