“ArthVeda” ke liye Life Insurance ek bahut bada aur important topic hai. Zyadatar log Life Insurance ko sirf “investment” samajhte hain, lekin asaliyat mein iska maqsad pariwar ki suraksha hona chahiye.
Aapke blog ke liye Life Insurance ka complete guide niche diya gaya hai.
Life Insurance: Pariwar ki Suraksha aur Tax Bachat
Life Insurance ka matlab hai ek aisa agreement jisme aap insurance company ko thoda paisa (Premium) dete hain, aur badle mein company ye vaada karti hai ki agar aapko kuch ho gaya, toh aapke pariwar ko ek badi raashi (Sum Assured) milegi.
1. Life Insurance ke 3 Mukhya Prakar (Types)
| Type | Kya hai? | Kiske liye hai? |
| Term Insurance | Sabse sasta aur sabse zyada cover dene wala plan. Isme sirf death benefit milta hai, maturity par kuch nahi. | Zaroori: Har us vyakti ke liye jo kamata hai. |
| ULIP (Market Linked) | Isme aapka paisa stock market mein lagaya jata hai. Insurance + Investment dono milte hain. | Jo log long-term wealth banana chahte hain. |
| Endowment/Savings | Isme risk kam hota hai aur maturity par ek fix paisa milne ki guarantee hoti hai. | Jo log safe investment aur insurance dono chahte hain. |
2. Life Insurance aur Tax ke Fayde (2026)
Life Insurance lene ke do bade tax fayde hain:
- Section 80C: Aap jo saalana premium bharte hain, us par ₹1.5 Lakh tak ki tax chhoot milti hai. (Old Tax Regime mein).
- Section 10(10D): Sabse bada fayda! Life Insurance se milne wala Maturity ka paisa ya nominee ko milne wala Death Claim poori tarah se Tax-Free hota hai (kuch sharto ke saath).
3. Kitna Insurance (Sum Assured) Lena Chahiye?
Finance ka thumb rule kehta hai ki aapka life cover aapki saalana kamayi (Annual Income) ka kam se kam 10 se 15 guna hona chahiye.
- Example: Agar aapki salary ₹10 lakh saalana hai, toh aapka insurance cover kam se kam ₹1 Crore se ₹1.5 Crore hona chahiye.
4. ArthVeda Check-points: Policy lene se pehle dhyan rakhein
- Term Plan First: Pehle ek bada Term Plan lein, uske baad hi kisi investment wali policy (ULIP/Endowment) ke bare mein sochein.
- Claim Settlement Ratio (CSR): Hamesha aisi company chunein jiska CSR 98% se upar ho. Iska matlab hai ki company claims pass karne mein acchi hai.
- Riders (Extra Fayde): Policy ke saath ‘Accidental Death’ ya ‘Critical Illness’ riders zaroor lein, ye kam kharch mein extra suraksha dete hain.
- Sahi Jankari Dein: Policy lete waqt apni bimaari ya smoking/drinking ki aadat na chupayein, varna claim ke waqt dikat ho sakti hai.
ArthVeda Special Quote:
“Life Insurance aapke liye nahi, unke liye hai jo aapke piche reh jayenge.”
Bilkul, “ArthVeda” ke readers ke liye ye sabse bada confusion hota hai ki unhe Term Insurance lena chahiye ya Endowment (Traditional) plan.
Is table ko dekh kar koi bhi 1 minute mein samajh jayega ki dono mein kya fark hai aur unke liye sahi kya hai.
Term Insurance vs. Endowment Plan: Kaunsa Behtar Hai?
| Feature | Term Insurance (Asali Suraksha) | Endowment Plan (Insurance + Savings) |
| Maqsad (Goal) | Sirf Risk Cover (Pariwar ki suraksha) | Bachat aur Bima ka mix |
| Premium | Bahut Sasta (₹500-1000 mahina) | Mehenga (₹5,000-10,000 mahina) |
| Life Cover | Bahut Zyada (₹1 Crore se upar) | Bahut Kam (Aksar ₹5-10 Lakh tak) |
| Maturity Benefit | Kuch nahi milta (Zero) | Maturity par ek Fix raashi milti hai |
| Death Benefit | Nominee ko pura paisa milta hai | Nominee ko Sum Assured + Bonus milta hai |
| Kiske liye hai? | Jo kam paison mein bada cover chahte hain | Jo discipline ke saath bachat karna chahte hain |
Ek Simple Example se Samjhein (The 1 Crore Test)
Maan lijiye aapki umar 30 saal hai aur aap ₹1 Crore ka bima chahte hain:
- Term Plan mein: Aapko saal ka mushkil se ₹10,000 – ₹15,000 dena hoga. Agar kuch hua toh pariwar ko ₹1 Crore milenge. Agar nahi hua, toh paisa wapas nahi milega, lekin aapne bahut kam kharch mein bada risk cover kar liya.
- Endowment Plan mein: ₹1 Crore ka cover lene ke liye aapko saal ka ₹8 se ₹10 Lakh premium bharna padega, jo ki ek aam aadmi ke liye namumkin hai. Isliye log isme sirf ₹5-10 lakh ka bima lekar reh jate hain, jo kisi badi musibat mein kafi nahi hota.
ArthVeda ki Final Salah (The Smart Strategy)
Aap apne blog par ye “Golden Rule” bata sakte hain:
“Insurance aur Investment ko kabhi mix mat karein.”
- Step 1: Pehle ek Term Insurance lein taaki aapke na rehne par pariwar ki lifestyle bani rahe (Bada cover, kam kharch).
- Step 2: Jo paisa aapne bachaya (Term plan sasta hone ki wajah se), use PPF, ELSS ya Mutual Funds mein invest karein. Isse aapko Endowment plan se kahin zyada returns milenge.
Quick Checklist for ArthVeda Readers:
- ✅ Term Plan: Suraksha ke liye (Must Have).
- ✅ Mutual Funds/PPF: Wealth banane ke liye.
- ❌ Endowment: Tabhi lein jab aapko bilkul risk nahi lena aur sirf tax bachana hai.