Introduction
Endowment plan life insurance ka ek popular type hai jo insurance aur savings dono ka benefit deta hai. Is plan ka main objective policy holder ko financial protection ke saath-saath future ke liye savings provide karna hota hai.
What is an Endowment Plan?
Endowment plan ek life insurance policy hoti hai jisme policy holder ek fixed time period ke liye premium pay karta hai. Agar policy holder ki death policy term ke dauran ho jaati hai, to nominee ko sum assured milta hai. Agar policy holder policy term poori hone tak zinda rehta hai, to use maturity amount milta hai.
Features of Endowment Plan
- Insurance + savings ka combination
- Fixed policy term hota hai
- Death aur maturity dono benefits milte hain
- Premium term insurance se zyada hota hai
Benefits of Endowment Plan
- Family ko financial security milti hai
- Policy maturity par lump sum amount milta hai
- Future goals jaise education, marriage ke liye useful
- Risk kam hota hai compared to market-linked plans
Who Should Buy an Endowment Plan?
- Jo log safe investment chahte hain
- Jo future goals ke liye savings karna chahte hain
- Families jo insurance ke saath guaranteed returns prefer karti hain
Difference Between Term Insurance and Endowment Plan
| Term Insurance | Endowment Plan |
|---|---|
| Sirf insurance | Insurance + savings |
| Low premium | Higher premium |
| No maturity benefit | Maturity benefit milta hai |
Conclusion
Endowment plan ek balanced life insurance policy hai jo protection aur savings dono provide karti hai. Ye un logon ke liye best hai jo secure aur disciplined way mein future planning karna chahte hain.
Agar aap chaho to main isko short note, exam answer, ya English version mein bhi likh sakta hoon 😊📘
