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If you are seeking a simple and uncomplicated protection plans for your loved ones, a term insurance plan can be an ideal option. Term plan are very simple in their working, making them very easy to understand. This plan will offer financial protection to your loved ones in the unlikely and unfortunate event of your sudden demise.
There are several insurance companies in India which offer a variety of term insurance plans tailored to cover a variety of situations. Term plans can be classified under 4 basic types - level term plans, increasing/decreasing term plans, return of premium plans, and monthly income plans. The real challenge, however, lies in choosing the right insurer and the right plan. Therefore, it is very important for you to identify the various aspects and elements of a term plan and choose the one which best fits your needs.
Identify your needs/ requirements: The first step that you must take while purchasing an insurance policy is identify your needs. This involves serious and thorough discussion with your family and then deciding the amount of coverage needed. Also, this must be done keeping in mind the inflation rate that is expected in the coming years. This lets you carefully plan for the kind of insurance plan that you truly require.
Weigh the premiums: Premiums play the crucial role when it comes to deciding upon the plan that you intend to buy.Premiums charged for term insurance plans in India vary from one insurance provider to another. However, it must be kept in mind that pricing does not define the efficiency of a plan or the reliability of the provider. An expensive plan will not necessarily mean the plan will offer the best benefits/will suit your specific requirements. At the same time, a relatively inexpensive plan won't necessarily be insufficient either. However, when purchasing a plan, conduct extensive research or seek the help of experts. Needless to say that you should not let pricing be the only factor while deciding. Compare and select the plan which provides the best coverage and benefits, even if it is more expensive than what you'd be willing to shell out. Also, look for term plans online as these are usually significantly cheaper than their online counterparts.
HDFC Life offers various term insurance plans that are suited for your requirement. For further details and to know more, kindly click on the mentioned link: https://www.hdfclife.com/term-insurance-plans.
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HDFC Life Insurance Company Limited. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Email: [email protected], Tel No: 1800-266-9777 (10 am to 7 pm). The name/letters “HDFC” in the name/logo of the company belongs to Housing Development Finance Corporation Limited (“HDFC Limited”) and is used by HDFC Life under an agreement entered into with HDFC Limited.
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