Introduction
Term insurance life insurance ka ek simple aur affordable type hai. Iska main purpose policy holder ki death ke baad uske family members ko financial protection dena hota hai.
What is Term Insurance?
Term insurance ek aisi life insurance policy hoti hai jo ek fixed time period (jaise 10, 20 ya 30 saal) ke liye hoti hai. Policy holder regular premium pay karta hai. Agar is term ke dauran policy holder ki death ho jaati hai, to insurance company nominee ko sum assured deti hai.
Features of Term Insurance
- Fixed time period ke liye valid hoti hai
- Premium kam hota hai
- Sirf death benefit milta hai
- Maturity par koi amount nahi milta (normal plans mein)
Benefits of Term Insurance
- Family ko strong financial security milti hai
- Kam premium mein zyada coverage milta hai
- Loans, education aur daily expenses cover hote hain
- Simple aur easy to understand policy
Who Should Buy Term Insurance?
- Family ke main earning members
- Parents jinke bachche dependent ho
- Log jinke upar loans ya financial responsibilities ho
Conclusion
Term insurance ek affordable aur effective way hai apni family ko future risks se protect karne ka. Ye policy financial peace aur safety provide karti hai, isliye har earning person ke liye important hai.
