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Life Insurance Companies in India, LIC, ICICI Prudential Life Insurance, HDFC life insurance What is a life insurance policy A life insurance policy can be called a protection plan that the individual takes for his family for a better future. Life insurance policy is the type of agreement made between the insurance company and the individual. In an insurance policy, the company agrees to provide financial protection to the person in exchange for the insured person paying a monthly fee. According to the legal contract, the insurance company must pay a fixed sum of money to the insured or his family in the event of death or after a fixed period mentioned in the contract. It is mentioned in the contract that the policyholder must pay a monthly amount to the insurance company in the form of a premium. The insurance company and the policyholder are the two parties included in the life insurance policy. When the policy matures, the insurance company must pay the promised amount to the policyholder. Features of life insurance policy - The Insurer – The Insurer is the company that provides the benefit of the insurance policy. The company offers policies to the individual for a better future. - The policyholder- The policyholder is the one who buys the policy from the company in the legal agreement. - Insured- the person whose life is insured. - Nominees– The person who will receive the amount after the death of the insured is known as the nominee. Applicants can be family members or spouses of individuals. The names of the nominees are added by the policyholder when taking out the policy. - Prime- This is the amount that the insured regularly pays to the insurance company. Benefits of life insurance policy - Future Security– The policyholder is aware of the fact that the amount he invests in the insurance company is a kind of investment that will benefit him in the future. - Flexibility– The policyholder has the possibility of paying the amount in installments according to his pocket. The Individual is not required to pay all amounts together. - Financial benefits– The life insurance policy provides financial benefits to the individual. The policyholder is aware that he and his family will receive a fixed amount as promised by the company. - Fiscal advantages– According to the Income Tax Act, if a person continuously pays the installments of an insurance policy, the premium paid may qualify for a tax deduction under Section 80 C of the Income Tax Act. income tax of 1961. The policyholder can also avail a deduction of up to Rs 1.5 lakh. How the life insurance policy works It is very important to get a life insurance policy for a better and secure future. But before purchasing the insurance policy, the individual must be aware of the workings of these policies. As it is clear from the above paragraph, it is also a kind of death benefit given by insurance companies. There are two popular types of insurance policies in India. - Term life insurance policy– A term life insurance policy is less expensive than a permanent life insurance policy, the coverage of this policy is for a given period. It covers the individual for the period of time decided upon when purchasing the policy such as 10, 20 or 30 years. If the insured person dies during the period covered, the decided amount will be paid to the beneficiaries, but if the person survives, nothing will be paid by the insurance company. - Permanent life insurance – Permanent life insurance covers the insured until they survive. It provides coverage for life. It is more expensive than term life insurance. There are also two types of permanent life insurance which are whole life insurance and universal life insurance. Types of permanent life insurance policies Permanent life insurance is divided into two categories – - Whole life insurance –The best part of this life insurance is that the premium will not change for life and the death benefit is guaranteed. It is considered a simple policy. - Universal life insurance – In this life insurance, the holder has the option to pay the amount. The policyholder can pay premiums in small and large amounts. Important points to remember - One of the main points to keep in mind is that the insurance premium is lower for young people and increases slowly with age. - According to many studies, we notice that men survive less than women, so the premiums for men are higher. - Our daily habits also affect our health, so people who smoke and drink are charged more by insurance companies. - Family history of any disease is also considered an important part of the insurance policy. - Insurance companies also charge higher premiums for people who have an illness or who may have had an illness in the past. - The premium also depends on the profession if the individual works in a hazardous area he will be charged with a higher premium. BEST LIFE INSURANCE COMPANIES IN INDIA A life insurance policy is an agreement between the company and the individual. There are many companies in the market that offer insurance. Here is a list of companies that offer policies to individuals: - Maximum life insurance - HDFC life insurance - Tata AIA life insurance - Pramerica life insurance - Excide life insurance - Reliance Life Insurance - HSBC Canara Life Insurance - Bajaj Allianz Life Insurance - Aegon Life Insurance - ICICI prudential life insurance - Aditya Birla sun life insurance - Aviva Life Insurance India - Bharti Axa Life Insurance - PNB met life insurance - life insurance company of india How to Apply/Buy the Life Insurance Policy in India In the age of the internet, it is very simple to purchase or take out life insurance online. - First, visit the official site of the company with which you wish to purchase the policy. - The company’s website page will open. - Enter all your requested information like names, age, mobile number, gender, income, etc. - Click on check bonus. - Enter the amount and premium of your life coverage. - Click continue. - Enter all the requested information and click continue. - Enter your payment method and pay. - You will receive a confirmation message and email. Conclusion The life insurance policy is the financial protection plan in the event of a person’s death. It is very useful for the person as well as for the better future of his family. It is considered a good investment with maximum benefits. Remember that the more time you take to buy it, the more it will cost you.
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बीमा जोखिम व्यवथापनको एक महत्वपूर्ण औजार हो । बीमितले आफ्नो जीवन, सम्पति वा दायित्वमा पर्न सक्ने जोखिमको आर्थिक भार बीमकलाई हस्तान्तरण गर्ने प्रक्रिया नै बीमा हो ।मानविय समाजमा विपत्ति, जोखिमका अनेकौँ सम्भावनाहरु जहि तहि सल्बलाई रहेका हुन्छन् । जुन विपत्ति, जोखिम अहिले, आज, भरे, भोलि जतिखेर पनि हुन् सक्छ । अथवा दुर्घना अनिश्चित हुन्छ । अनिश्चित जोखिम हस्तान्तरण गरी क्षतिपूर्ति प्राप्त गर्न उपयुक्त माध्यम भनेको बीमा हो । अनिश्चित जोखिम, दुघर्टनाले ग्रसित भएका व्यक्ति वा संस्थाले आफ्नो जोखिम अनुरुप निश्चित बीमा शुल्क बुझाई घटना भएमा क्षतिपूर्ति प्राप्त गर्ने शर्त सहित बीमा योजना खरिद गर्न सक्छन् ।बीमा दुई पक्ष बीचमा हुने लिखित सम्झौता पनि हो । बीमा गर्दा बीमा कम्पनी र बीमा गर्ने व्यक्तिका बीचमा गरिने सम्झौता हो । यस प्रक्रियामा बीमितको जोखिमको क्षतिपूर्तिको भार बीमाको माध्यमबाट बीमकमा हस्तान्तरण गरिन्छ । बीमा निश्चित अवधिका लागी गरिन्छ । उक्त अवधिमा विमितको क्षति भएको कम्पनीले क्षतिपूर्ति भुक्तानी गर्छन् । बीमा गर्ने प्रक्रियाको प्रारम्भ बीमाको प्रस्ताव फारम तथा व्यक्तिगत स्वास्थ्य सम्बन्धि विवरणबाट हुन्छ । यस्ता फारमहरु सम्बन्धित बिमा कम्पनिहरुबाट लिनुपर्छ । ती फारमहरु बीमा गर्ने व्यक्ति स्वमले बिमा अभिकर्ता मार्फत पेस गर्न सक्नेछन् । यसरी बीमितले भरेको फारमको प्रस्तावलाई स्वीकार गर्ने नगर्ने भन्ने कुरा बीमक मै भर पर्दछ । यदि बीमितको प्रस्ताव स्वीकार भएमा पहिलो किस्ता बीमा शुल्क भुक्तानी गरेपछि बीमा प्रक्रिया प्रारम्भ हुन्छ । बीमा सम्वन्धि शर्त, सुविधा सहितका सम्पूर्ण कागजातहरु बीमा कम्पनीले बीमितलाई बिमा स्वीकार भए पछि प्रदान गर्दछ । यसलाई बिमालेख भनिन्छ । बीमा दुई प्रकारका हुन्छन् । १.जीवन बिमा मानिसको जीवन सँग सम्बिन्धित जोखिमको बिरुद्ध गरिने बीमालाई जीवन बिमा भनिन्छ । जीवन बीमाले विपत्ति परेको खण्डमा आर्थिक रुपले सुरक्षा प्रदान गर्दछ । जीवन बिमा कुनै व्यक्ति वा नीजको परिवारको आर्थिक सुरक्षाका लागि गरिन्छ । बीमाको निश्चित अविधि सकिएपछि नीजकोे बीमालेखमा तोकिएको रकम र उक्त अविधिमा प्राप्त हुने अतिरिक्त रकम बोनस प्राप्त गर्न सक्नेछन् । मानिसको जीवनमा अनेकन प्रकारका विपत्तिहरु आउँछन् । यी विपत्तिहरुसँग सामना गर्न सक्ने क्षमता जीवन बीमाले प्रदान गर्दछ । मानवीय जीवनमा जीवन बीमाको निकै ठुलो महत्व रहेको छ । जीवन बीमाले आर्थिक सुरक्षा, लगानी तथा बचतको अवसर दिनुका साथै पूजी निमार्ण, करमा छुट जस्ता महत्वपूर्ण फाईदाहरु प्रदान गर्छ । त्यसैले जीवन बिमा अनिवार्य बचत एंव आश्रितहरुको भलाईको व्यवस्था हुने उत्तम उपाय पनि हो । जीवन बीमाका प्रकार ः आजिवन बीमा सावधिक बीमा म्यादी बीमा एन्युटि बीमा २. निर्जीवन बीमा निर्जीवन बीमा निश्चित अविधिको लागि गरिने सम्झौता पत्र हो । यसमा बीमा गर्ने कम्पनि र बीमा गर्ने व्यक्तिका बीच सम्झौता हुन्छ । यस्तो सम्झौतालाई करार भनिन्छ । करार गर्दा तोकिएको निश्चित अविधिमा बीमा गरिएको सम्पत्तिको वा व्यक्तिको मृत्यु वा अंगभंग भएमा बीमाकंको परिधिमा रही वास्तविक रुपमा कति हानि नोक्सानि भएको हो, त्यसको आधारमा बीमा कम्पनिले सम्बन्धित पक्षलाई क्षतिपूर्तिका रुपमा भुक्तानी गर्छ । निर्जिवन बीमा सम्पत्तिको हानी नोक्सानी र दायित्वको जोखिमबाट मुक्त हुनका लागि गरिने करार हो । निर्जिवन शब्दले सम्पत्ति र दायित्व सम्बन्धि विषयलाई बोध गराएता पनि यसले मानव जीवनको केही अंशलाई भने समेटेकै हुन्छ नै । जीवन बाहेक चल अचल सम्पत्ति सँग सम्बन्धित बीमा यस अन्र्तगत पर्छन् । निर्जीवन बीमाको प्रकार:- अग्नि बीमा सामुन्द्रिक बीमा हवाई बीमा मोटर बीमा विविध बीमा वर्तमान समयमा बीमाको महत्व दिनानुदिन बढ्दै गईरहेको छ । तर पनि बीमा क्षेत्रमा जति विकास हुनुपर्ने हो त्यो भने भएको पाईदैन । समय र प्रविधि सगै बीमा क्षेत्रमा हुनु पर्ने सुधार नआउनुमा धेरै कारणहरु तेर्सिन पुग्दछन् । बीमा सम्बन्धि जनचेतना नहुनु, बीमा अभिकर्ता सक्रिय नहुनु जस्ता मुलभूत कारणहरुले गर्दा आज बीमा क्षेत्र फस्टाउन सकेको छैन । बीमा क्षेत्रमा सुधार ल्याउनका लागि केहि नयाँ कदम चालेमा पक्कै पनि यो क्षेत्रमा सुधार भने आउने छ । प्रस्तुती:- बिजया बास्कोटा