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Monday

Know about Life insurance?

The life insurance is the basis of protection and financial stability after one's death. Its function is to help beneficiaries financially after the owner of the policy dies naturally or sudden or accidental death.

It is also the form of savings in the long run if you purchase a plan, which offers the option of contributing regularly. You can also get life insurance plan that is tied up with your pension plan. In that you can make contributions to a pension that is funded by a life insurance company. These option/plan is known as private pension arrangements.
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Getting a life insurance policy is always helpful.Because you know your actual value.You know that if something happens to you then your family will be safe in the form of money.Loosing a person from a family is always sad.But every one has to go someday.Either today or tomorrow.No body lives for ever.
So this life insurance comes to help, in that critical situation.-------
In life insurance also there are many plans.
A claim after persons death.

A claim after persons retirement.
A claim for future.
A claim for monthly saving.
A claim for medical.
A claim for my family members.---------

There are many many policies.-------
All policies are not suitable for you.But some really are made for you and as per your requirement.------
The policy has its value.How much costly the policy is, that much heavy claim you get.-------

But if you buy costly policy, then its monthly or quarterly premium,which you pay will also be heavy.--------

Always buy the policy,which you can afford and which has most of benefits for you.---------
Getting right policy is not a easy job.-----
You requires bit of research.---------
There are many insurance agents, which also deals in life insurance.So you need to go to any of this agents and get the details.---------
But take care you dont get fooled by their schemes.The schemes which they show are not 100% getable.Some schemes are only for show.It is only for particular days or months.
So when ever you go to buy a policy, dont just go to one agent,go to as many agents as possible.
Get the details from all agents.Dont tell the agent that you know about policy.Just be a student and understand all his sayings about the policy.Present yourself like a newbie.So he will explain you everything from step 1 to last step.---------

Before buying a policy,always consult your legal adviser, Your personal CA( chartered accountant).

Always know what premium you have to pay,what returns you will get.Is the premium going to increase or will be the fixed.

Always buy a policy from good reputable company.A policy company should be the trusted and
worth company.
Some new companies offer more profits and benefits then old reputed companies.This is to attract the buyer, but actually new companies are not bad, but they are very less known,so while actually getting serious claim, it will be hassle, for you to explain the policy.So its always advisable to get policy from good and known companies.----------


If your relative or friend is going with some policy, then dont just get attracted by him and go with that policy.----------
Just confirm this with your CA.Check the companies reputation.Search and Read about that policy on net.Understand the policy, then think twice and go with that policies.----------


The agent who is giving you the policy, should be good agent.Research about that agent too.Some agents are known to be frauds.They actually dont give you the policy, but take money from you.And after few days, they will deduct the percentage of their fees from your money and return you the remaining and they say your papers are not complete and "I cannot provide you the policy".
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This agents are frauds, this is there cheat business.So beware of this types of new agents.Just get complete detail of the agent.


Before buying a policy clear all the doubts,get answer to all the question which you have.Dont feel shy or dont keep it on tomorrow.Just ask him on spot about all the queries.Its his job to answer you and clear all your doubts.He is trained for that.If he makes you feel good and if you think he is the right person and he is referred by many and he has good reputation for years.
Then only buy a policy from that agent.-------------

BUYING A LIFE INSURANCE POLICY IS ALWAYS GOOD.BECAUSE THAT IS A SAFETY FOR YOU.BUT GETTING A POLICY FROM GOOD AGENT.GETTING GOOD SCHEME IS ONE OF THE ADDITIONAL BENEFIT.----------



GET INSURED.BUY GOOD POLICIES.ALWAYS KEEP YOUR POLICY IN SAFE PLACE.

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To know which policy to buy,good policy plans
click this link below:--


Also one more good link:--

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