Term insurance ek pure life cover plan hai — ek fixed period (10-40 saal) ke liye. Agar policyholder ki death ho jaaye policy period mein, toh nominee ko sum assured milta hai. Koi maturity benefit nahi — sirf pure protection. Isliye yeh sabse affordable life insurance type hai.
Same cover ke liye term insurance premium ULIP ya endowment se 3-5x kam hota hai.
Sirf life cover — koi investment component nahi. Agar survive karo toh kuch nahi milta — that's the trade-off.
Online apply, medical test (agar required), nominee set — process straightforward hai.
Premium pe Section 80C aur death benefit pe Section 10(10D) tax exemption available hai.
General rule: Annual income ka 10-15 guna sum assured lena chahiye. Example: ₹8 lakh annual income hai toh ₹80 lakh — ₹1.2 crore ka term cover minimum hai.
Home loan, car loan, personal loan — sab outstanding debt cover hona chahiye.
Family ko kitne saal income ki zarurat — approximately 10-15 saal ka cover minimum.
Children education, marriage — inke estimated cost add karo cover calculation mein.
Aaj ka ₹1 crore 20 saal baad ₹30-40 lakh jaisa hoga — inflation consider karo.
Jaankari aur facilitation bilkul free hai — koi consultation ya referral fee nahi. ProWiderKart facilitator hai. T&C applicable.
Nahi — claim approval aur settlement IRDAI-regulated insurer ki sole discretion par hai. ProWiderKart sirf facilitate karta hai. T&C applicable.
Typically PAN, Aadhaar, aur specific documents jo insurer require kare. ProWiderKart complete checklist provide karta hai free jaankari mein.
Monday se Saturday, 10 AM se 7 PM. Urgent queries ke liye message karo — jald se jald respond karenge.
Mumbai based hain — but service pan-India digital aur WhatsApp ke through. Physical visit ki zarurat nahi.
Term insurance India mein sabse misunderstood financial product hai. Log ya toh late lete hain, ya galat cover amount lete hain, ya unnecessary riders add kar lete hain.
Formula: Annual income × 15 + Outstanding loans + Future goals. Example: ₹8 lakh income, ₹20 lakh home loan, ₹15 lakh children goals = minimum ₹1.35 crore cover. Most people ₹50 lakh se kaam chalate hain — yeh serious underinsurance hai jo family ko crisis mein daal sakta hai.
Retirement age tak — typically 60-65 saal. Abhi 30 saal ke ho toh 30-35 saal ka term lo. Shorter term lena financially sensible nahi — agar young age mein kuch hota hai, family ke paas adequate time nahi hota financially recover karne ka.
Online term insurance typically 15-30% sasta hota hai — agent commission nahi hoti. Online process bhi easier hai mostly. ProWiderKart jaisa facilitator iss gap bridge karta hai — guidance free milti hai bina zyada premium ke.
Depends on age and sum assured. Typically ₹50 lakh se upar ya 40+ age pe medical test insurer require karta hai. Test insurer arrange karta hai aapke ghar ke paas — cost insurer bharta hai. Medical test se ghabrana nahi chahiye — routine process hai.
Smoker premium 30-50% zyada hoti hai. Bahut log false mein non-smoker declare karte hain. Yeh galat hai — claim time pe insurer investigation karta hai aur fraud prove hone pe claim reject hota hai permanently.
Critical Illness Rider: Genuine value. Accidental Death Benefit: Reasonable. Waiver of Premium: Useful. Return of Premium: Avoid karo — premium high, returns poor. Term insurance protection ke liye hai, investment ke liye nahi.
Nominee financially dependent hona chahiye. Minor nominee ke saath adult appointee designate karo. Multiple nominees allowed — percentage clearly define karo. Policy document accessible jagah pe rakho aur nominee ko location batao.
₹1 crore term cover 30-year-old ke liye: ~₹10,000 annual premium. Same ₹1 crore endowment: ~₹4.5 lakh annual. Difference ₹4.4 lakh agar SIP mein lagao — 25 saal mein dramatically better wealth creation. "Buy Term, Invest the Rest" — globally proven strategy hai.
Death certificate, policy document, claim form, ID proof — yeh sab collect karna hoga. Insurer ko 30 days ke andar inform karo. Typically 30-90 days mein settlement. Ek "financial emergency file" banao — sab insurance, investment, bank details ek jagah accessible.
Myth: "Survive karo toh waste hai." Reality: Car insurance bhi waste nahi hoti agar accident nahi hota — protection ek cost hai.
Myth: "Employer cover enough hai." Reality: Job jaane pe cover khatam, typically underinsured bhi hota hai.
Myth: "Young hoon, abhi nahi chahiye." Reality: Young age mein premium lowest — aur accidents young age mein bhi hote hain.
ProWiderKart se free guidance lo — kaunsa plan sahi hai, premium kitna hoga, documents kya lagte hain. WhatsApp pe poochho.
Free Jaankari — WhatsAppService free hai. ProWiderKart facilitator hai — direct insurer nahi. Final approval IRDAI-regulated insurer ki discretion par. T&C applicable.
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| Feature | ProWiderKart | Direct/Agent |
|---|---|---|
| Insurers Compared | IRDAI-regulated insurers | 1-2 only |
| Jaankari Charge | ₹0 — Free | May vary |
| Claim Support | ✅ Provided | ⚠️ Limited |
| Premium Ki Tulna Found | ✅ Market best | ❌ Limited options |
| Digital Process | ✅ WhatsApp-first | ⚠️ Office visits |
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Cover lene se pehle ye sawaal khud se poochne chahiye — har guide ek hi cheez saaf karta hai.
India, India ka ek aisa sheher hai jahan trade aur service dono chalte hain. Sabse sasta cover wahi hai jo jaldi liya jaaye, ye baat der se samajh aati hai. Yahan single-earner families kaafi hain, aur aise ghar mein kamane wale ka cover pehli zaroorat ban jaata hai. Sach bolu to, yahan sabse badi dikkat jaankari ki kami hai, paise ki nahi.
India mein term insurance ki poochtach karne wale log ek jaise nahi hote. Aam taur par ye chaar tarah ke log sabse zyada milte hain:
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India mein term insurance ke case dekhte hue ye paanch cheezein sabse zyada saamne aati hain:
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