Introduction
Life insurance ek financial security plan hota hai jo kisi insaan ke death ke baad uske family members ko paison ki madad deta hai. Iska main purpose future ko safe banana hota hai, taaki family ko financial problems ka saamna na karna pade.
What is Life Insurance?
Life insurance ek agreement hota hai policy holder aur insurance company ke beech. Policy holder regular premium pay karta hai. Agar policy ke duration ke dauran policy holder ki death ho jaati hai, to insurance company uske beneficiaries (jaise parents ya family) ko ek fixed amount deti hai.
Types of Life Insurance
Life insurance ke kuch main types hote hain:
1. Term Life Insurance
- Fixed time ke liye hota hai (jaise 10, 20 saal)
- Premium kam hota hai
- Sirf death hone par payout milta hai
2. Whole Life Insurance
- Puri life ke liye hota hai
- Premium zyada hota hai
- Savings ka benefit bhi hota hai
Importance of Life Insurance
- Family ko financial support milta hai
- Funeral aur daily expenses cover hote hain
- Loans aur debts clear karne mein madad milti hai
- Future planning ke liye helpful hota hai
Who Needs Life Insurance?
Life insurance un logon ke liye zaroori hota hai:
- Jo family ke main earner hote hain
- Jinke upar dependents hote hain
- Jo future ke liye financial security chahte hain
Conclusion
Life insurance ek important financial tool hai jo family ke future ko safe karta hai. Sahi policy choose karna aur time par premium pay karna bahut zaroori hota hai. Ye insaan ko peace of mind deta hai ke uske baad bhi uski family secure rahegi.
