Maal Naheen, Jaan Par Ho Inshyoreins Paulisi Mein Jor

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Maal Naheen, Jaan Par Ho Inshyoreins Paulisi Mein Jor

preeti Kulkarni Mumbai. . Tradishnal inshyoreins praudakts ke fains ke liye achhi khabar hai. In praudakts ke inproovd varjan October mein aa sakte hain. Irada ne sabhi life praudakts ke liye haal hi mein nai gaaidalaains jaari ki hain. Ab in praudakts se jyaada kavar aur benefits mileinge. Gaaidalaains ka asar yoolip aur tredishnal praudakts donon par padega, lekin sabse jyaada badlaav tredishnal praudakts mein aaega. Vaantej inshyoreins brokers ke CEO Arvind laddha ke mutaabik, reguletar ka maksad chaarj ke maamale mein tredishnal praudakts ko yoolip ke baraabar mein laana hai. Tredishnal sevings-kam-inshyoreins praudakts (endaumeint, mani back, hol life sahit) mein inshyoreins ke saath sevings ya inavestameint ki suvidha milti hai. Financial planning farm ameripraaij India ke seeoo Kapil naarang kehte hain, 'Nai gaaidalaains client fokasd hain aur inka maksad praudakts ko aasaan aur saaf-saaf samajhaana hai. Ismein disklojar jyaada aur saaf-saaf honge, surrender vailyoo jyaada hogi aur agenton ka commission kam hoga. ' India first life ke apvaainted ekchuari chandan khaasanabees kehte hain ki inshyoreins baaing ko October tak taalane ki koi jaroorat naheen hai. Asal mein ab praudakt strakchar complex ho jaaega aur kastamar ki kaust badhegi. 'Kam commission 2010 mein irada ki taraf se yoolip chaarj ki upper limit fix kiye jaane ke baad agenton aur bankon ne tredishnal endaumeint praudakts par focus badha diya hai. Yoolip ke ulat ismein beema companiyon ko yah naheen bataana padta ki premium se kitna chaarj ya commission kaata ja raha hai. 1 October ke baad yah sab badal jaaega. Naarang kehte hain, 'Maiksimm commission tay hai. Singal pemeint mein premium ka 2 feesadi, peinshan praudakts mein maiksimm 7.5 feesadi, regular premium mein pehle saal ke premium ke 15-35 feesadi ke beech hoga. Isse inka return behtar hoega. ' jyaada traansapereinsi irada ne sabhi inshyoreins companiyon se yah saaf bataane ke liye kaha hai ki kya praudakt protekshan oriyented hai ya sevings fokasd ya donon ka kaumbineshan hai. Kastamar ki umr ke hisaab se minimm kavar ke baare mein bhi bataane ke liye kaha gaya hai. Agar kastamar 45 saal se kam ka hai to usaka kavar enual premium ka 10 guna ya kul premium ka 105 feesadi, jo bhi jyaada ho, hoga. Laddha kehte hain, 'Irada ka maksad sevings ke bajaay risk ya protekshan par focus badhaana hai. ' isse jyaada inshyoreins kavar milega, jo life inshyoreins praudakts ki khareedaari ka aham maksad hota hai. Haalaanki, inshyoreins baaing ka ek doosra pahaloo bhi hai. Khaasanabees kehte hain, 'Jinke aashrit naheen hote hain, unhein ishyoreins kavar ki jaroorat naheen hoti. Aise mein inka (maurteliti chaarj ke hisaab se) kaust badh jaaegi. ' umr ke hisaab se maurteliti chaarj badhta hai, isliye pachaas saal se jyaada umr vaale logon ka premium badh sakta hai. Is par plaanars ki daleel hoti hai ki ye inshyoreins praudakt khareedne ke bajaay MF, sevings skeems, fiksd dipaujit mein inavestameint kar sakte hain. Surrender vailyoo mein traansapereinseeendaumeint plaan mein teen saal ka lauk in October se badhkar paanch saal ho jaaega. Aise mein maichyoriti se pehle paulisi tarminet karne par jyaada surrender vailyoo milegi. Gaaranteed surrender vailyoo mein badhotri hogi. Companiyaan asal mein kastamars ko special surrender vailyoo deti hain, jo jyaada hoti hai. Nai gaaidalaains ke mutaabik, surrender vailyoo eset ki keemat ke baraabar honi chaahiye. Jyaadaatar companiyaan is siddhaant par chalti hain. Ab kastamars ko praudakts ke aise feechars aur benefit dekhne honge, jinke benefit maujooda praudakts se kam naheen honge. Abhi gaaranteed surrender vailyoo surrender ki taareekh tak chukaae kul premium mein pehle saal ke premium ki katauti ke baad ki rakam ke lagbhag 30 feesadi ke baraabar hota hai.

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