Life Insurance Cover Hume Kitna Chahiye / Experts Se Janiye?
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| Life Insurance Cover Hume Kitna Chahiye / Experts Se Janiye? - LoansBima.com |
Dosto hume or humari family ko secure karne ke liye life insurance cover kitna hona jaruri hai. Dosto life insurance ek achha kadam hai apni financial security ko improve karne ka cover ki sima agar kam hui to parivaar ki jarurat Puri nahi hogi or agar adhik hui toh premium ki rakam jyada chukani hogi, toh chaliye ye jante hai ki hum kaise calculate kare or experts ki kya raiye hai iske bare me.
Life Insurance Cover humari family ke liye kitna hona chahiye?
Dosto Life Insurance Cover ka plan ka amount kina hona chahiye ye humare pariwar ki jarurat or bhavishya ki goals par nirbhar karta. hai. Aam toh par log ye galti karte hai ki unka ye Mannan hai ki chhote se Chhota plan hai unke liye aacha rahegaa, lekin experts ki Raye yeh hai ki jo aapki saal ki kamai hai uska 10-15 % aapki cover plan ke liye hona chahiye.
Kuch aise raaj Jo aapka life insurance cover ka plan teh karte hai.
- Aapki income ke hisab se cover Kiya jata aapka insurance plan.
- Aapke insurance plan ka se pata lagta hai ki kitne log aapke upar depend karte hai.
- Insurance Plan Lene se pehle ya lene ke baad car loan, home loan, credit card loan ki fazul kharchi ka dhyan rakhe.
- Bhavishya ke targets ka jarur dyan rakhe ki aapko bachho ki shadi ya aapki retirement ke liye kitna paisa chaiye.
Life Insurance Cover Plan Calculate Karne Ka Shahi trika?
Dosto ab tak hum ne Jana ki kitni income par kitne ka plan chaiye lekin kina amount chahiye ye kaise pata kare, toh chaliye jante.
First Step
- Sabse pehle apni saal ki kamai ka anumaan laye ki aapki income kitni hai.
- Aapki monthly salary kitni or aapke business ka monthly revenue kitna hai.
- Aapki income ka 10-15 times ye basic anuman hota hai.
Second Step
Fizul Kharchi or aapke debit or EMI me jo bhi income kharch hota hai use bhi apne cove plan me aad kare.
For Example - agar aap ke paas 25-30 lakh ka home loan toh use bhi jarur add kare apne cover plan me.
Third Step
Dosto aaj ke samay me education is most important to higher education ke liye bhi kitna Paisa chahiye.
Agar aap financially free hona chahte hai toh aane wale 10-20 saal tak monthly kharcha jode or uske baar hi cover ka decide kare.
Example - Dosto jaise ki aapka monthly kharcha 50,000 se upar hai toh aapka 15 saal ka 90 lakh rupees kam se kam chahiye.
Fourth Step
Dosto Kya aapko pata hai Inflation (Mehngai) ka ret har saal badta hai jiski wajah se 5-6% paise ki value Kam ho jati hai.
- Aapna Insurance Cover Plan Calculate karne ke liye online calculator tool ka use kar sakte hai. Jo ki aapko bhut aasani se help karega, or yeh humari LoansBima.com bilkul free hai.
- Dosto apne calculation ke hisab se ek amount set kro choose kro or use continue rakho, akhri sabad dosto ye Team insurance plan mahange jarur hote hai lekin aapko life time ke liye cover karte hai.
Life Insurance Plan lete samay kya dastavejo ki jarurat hoti hai. Ye kon se document hai ye janna bhi avishek agar aap ke paas pehle se a hai achhi baad nhi toh jana bhot jaruri hai. Nahi toh aapko bhi mere jaise bhot si musibato ka saam na karana pada sakta hai.
Aapke Pass Kyaa Id Proof Hone chaiye
- Aapke pass Adhar card ka hona aawashak hai.
- Aapke pass Pan Card ka hona bhi jaruri hai.
- Ishe ke saath aapke pass aapka address proof bhi hona jaruri hai.
- Dosto aapke pass income proof ka hona bhi jaruri hai jaise ki salary slip, ya ITR ka bhara hona.
- Dosto ya phir bank ki 6 mahine ki statement kam se kam aapke bank ki honi chahiye.
- Dosto bhot se insurance cover plane me toh Medical report bhi maanga janmta hai.
- Last Point Hai dosto ek passport size photo bhi chahiye.
Life Insurance Plan Lene Ke liye Kya Condition hai?
- Aapki age kam se kam 18 varsh or jyada se jyada 65 honi chahiye.
- Life insurance ke aapki income ka stable hona jaruri hai aapki koi business ya salary base jo honi chahiye.
More Information Check Out More Post
Doston aaj ki sports Mein Humne Jana Ki Ham Kis Tarah Se insurance plan Chus kar sakte hain aur Hamare liye kaun sa insurance plan best hai aur insurance plan lene ke liye Hamen kya kay Karte area ke pura karna padta hai aur kon kon se document Lagte Hain Kitni Hamari age honi chahie aur vah kab tak insurance plan Hamara Rahega ine Sab Baton ko Humne acche se jana hai mujhe ummid hai agar aapko koi bhi query ya question Aapke dimag mein hai to aap comment kar sakte hain Ham Aapke sabhi yuvaon ka jawab Dene Ki Koshish Karenge dhanyvad Jyada Jankari ke liye Hamari LoansBima.com ko follow Kijiye aur new post padhne ke liye daily visit kijiye dhanyvad.
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