₹1 Crore Life Cover — Family ki Financial Security, Smartly Picked
Agar aap nahi rahe, toh family ka ghar, EMI aur bachchon ki padhai kaise chalegi? Pure term plan — kam premium, bada cover. Insurers compare karke, claim settlement ratio dekh kar sahi plan pick karo.
If income stops, term cover keeps EMIs, school fees and the home standing.
Kya aapko term plan chahiye?
Young earners (25–35)
Jitni kam age, utna kam premium — poore term ke liye lock.
Why: cheapest time to buyFamily breadwinner
Aapki income pe family ka ghar chalta hai — wo income replace honi chahiye.
Why: income replacementHome loan holders
Loan aapke saath khatam nahi hota. Cover itna ho ki EMI family pe na aaye.
Why: loan shouldn't pass onParents with dependents
Bachchon ki padhai aur shaadi ke goals — aapke bina bhi poore hon.
Why: goals stay fundedTerm plan simple hai. Galti phir bhi hoti hai.
Income replacement gap
Most families ka cover unki zaroorat ka chhota hissa hota hai — EMI aur goals ke liye kaafi nahi.
Sasta hai, par push ULIP hota hai
Term plan ka commission kam hai, isliye aksar ULIP ya endowment bech diya jata hai — kam cover, zyada premium.
Technical grounds pe rejection
Smoking, health ya income sahi declare na karna — claim ke time sabse bada risk.
3 steps. 60 seconds to start.
Share age, income, cover
Basic details — 60 seconds.
Compare plans
Premium, claim settlement ratio, riders — side by side.
Buy or talk to advisor
Medical test aur paperwork mein bhi help.
Family ko kitna cover chahiye?
Free Term Plan Quote — 60 Seconds
Advisor aapko insurers ka side-by-side comparison bhejega — premium, claim ratio, riders.
- Pure term only — no ULIP/endowment mix-up
- Medical test scheduling help
- Nominee and claim process explained to family
FinPick vs going direct vs a single-company agent
Same premium. More choice, clearer advice, and someone on your side at claim time.
| Insurer website (direct) | Single-company agent | FinPick Recommended | |
|---|---|---|---|
| Pure term only (no ULIP/endowment mix-up) | Yes | Often pushed | Always |
| Claim settlement ratio shown | Own only | Rarely | Every insurer |
| Premium from multiple insurers | No | No | Side-by-side |
| Riders explained (accident, critical illness) | Self-read | Varies | Need-based |
| Medical test help | Self-book | Varies | Scheduled for you |
| Tax certificate help | Self-download | Varies | Sent every year |
| Return-of-premium option explained honestly | Upsold | Upsold | Pros & cons |
Premium par Section 80C deduction
Term premium up to ₹1.5 lakh/year deductible under 80C (shared with PPF, ELSS, EPF etc.). Critical illness rider premium may qualify under 80D. Death benefit to nominee is tax-free under Section 10(10D). 80C/80D apply under the old tax regime only.
Claim time pe family akeli nahi
Term plan ka asli test claim ke din hota hai. FinPick ensures it's filed right.
- Every insurer's latest claim settlement ratio shown before you pick
- Application pre-checked for disclosure gaps before submission
- Nominee guided through documents and claim filing
- in claims assisted so far
Families who picked smart
Term insurance — seedhe jawaab
Term plan aur endowment mein kya fark hai?
Term plan sirf protection hai — kam premium mein bada cover. Endowment insurance + savings mix hai — premium zyada, cover kam. Aksar better hai: term plan + alag se investment.
Kya term plan mein paisa wapas milta hai?
Regular term plan mein maturity benefit nahi hota — isliye wo sasta hai. Return-of-premium variant mein premium wapas milta hai, par premium kaafi zyada hota hai. Hum dono ka honest comparison dikhate hain.
Claim reject kyun hoti hai?
Sabse bada reason non-disclosure hai — smoking, health condition ya income sahi declare na karna. Isliye FinPick application submit karne se pehle check karta hai.
Medical test zaroori hai?
Age, cover aur insurer pe depend karta hai. Bade cover pe aksar hota hai — usually insurer ke kharche pe, ghar ya lab pe.
Kitna cover lena chahiye?
Thumb rule: annual income ka 10–15 guna, plus loans aur bade goals. Upar wala calculator use karo, advisor fine-tune karega.
Main smoker hoon — kya karu?
Honestly declare karo. Premium zyada hoga, par hide karna claim rejection ka seedha reason hai. Agar 12+ mahine se quit kiya hai, kuch insurers non-smoker rate dete hain.
Family ki security ko luck pe mat chhodo.
60 seconds mein term plan compare karo — ya seedha advisor se WhatsApp pe baat karo.