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2. How to Choose a Term Insurance
Plan

3. •In the current scenario across the world, term insurance policy has
become one of the subjects most talked about among leaders.
Many financial advisors around the globe have hailed the term plan
as the brightest form of insurance. It is because it provides a very
large cover at lower price.
•Whenever a person buys a money-back policy or an endowment
plan or any other plan with same coverage, the premium of that
term plan is very small as compared to the money shelled out by the
person insured for any other policy.
•The required amount of cover
the main purpose served by life insurance is to give the policyholder
a sufficient amount of money to be exchanged with the person’s
income, if he dies. The following are the major aspects which a
person’s life insurance serves:
• Necessary liabilities such as loans and debts
• The primary monthly expenses outlined by the person’s family
• The long-lasting expenditures such as education of his children as
well as their marriages.

4. •As a result, the person’s family lives in peace for the entire life. But, if the life
insurance is not enough, then the whole idea of an Online Term Insurance
India would be fruitless.
The tenure for a cover
•the duration of time till which the term insurance is required is as necessary
as the sum invested for the cover. An insurance policy generally sustains as
long as the person is willing to work. Until a few years back, the standard for
duration of policy was 60 years.
•But choosing 60 sixty years does not include a person’s late marriage in 40s
or having babies at a much later age. It may also depend on the
economical situation faced by the person who is insured.
•So after surveying these facts, the experts have decided upon 65 years, as
the maximum age required to cover the term insurance.

5. •It is never a judicious decision to pick a short-term policy of like 15-20 years. It may end
even before the person reaches 50. If the policy ends below 50 years of age, then the
premium drafted will be very low. For a man in his 40s, the requirement of a life policy is at
needlepoint.
• If the man goes for a new policy at that age, then it will create a big hole in his pocket.
The cover will also exclude the man if his health is not good. Therefore, a person must
always select a cover for which the tenure can be handled easily.
[Source: http://onlinelifeinsurance1.weebly.com/blog/how-to-choose-to-a-term-insurance-
plan]

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7. To know more on Online Term Insurance India visit:
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plan.jsp
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