Your views on best Term/Life plan for my future family.

MrKool_JJ · 2020-11-22 02:40:56 +0530

Hi Folks,Hope you guys are doing good and keeping safe.I need your valuable suggestions for the best & reliable Term plan for me. I don’t smoke nor i drink also i have a clean medical record (though was diagnosed with dengue couple of years back but by god’s grace i am ok now). One of the main reasons why i want to opt for it now is the premium at which i am getting these would be comparatively lesser also i want my family to be financially stable even if i am not with them.HDFC reps are behind me saying sir C2PP plan lelo. Premium for 1cr is around 13.7k, for 75L it is around 11k with gst which includes natural death, 19 critical illness and permanent disability. Icici reps were quoting me way to higher premium.But i have seen a lot of discrepancies with the premium calculated online via PB & offline too don’t know what is the exact reason for this. On the other hand, premium for Bajaj & Aegon life are very low. I really don’t know why the premium is dancing so much for me because i was ideally planning to cover this upto 85 years. I do have cc’s so paying roughly about 700rs-1k/month for my future shouldn’t be an issue for me as of now.Though i have my health cover still i confused whether to have these additional riders added or not?Also, is this a good decision to opt for? Shall i really invest in this life/term plan or will Money back plans/ULIP’s be a better option for me?I guess i have given a rough idea about what i actually need. Awaiting your valuable comments.Tagging some dimers @drjpatwa:https://www.desidime.com/users/17253 @malikcool:https://www.desidime.com/users/184763 @bikidas2060:https://www.desidime.com/users/399751 @getready:https://www.desidime.com/users/372924 @androgame:https://www.desidime.com/users/893351 @popeyethedimer:https://www.desidime.com/users/1050212(i really can’t recollect more names now). Please do tag your friends if you feel they can help me out with this.I am extremely sorry if you guys feel that this tag is irrelevant to you.#TIA.#ApkaApnaJJ

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