Overview

When your insurance advisor/agent recommends a certain insurance product for you, nine times out of ten, he/she is going to extol the virtues of the product what covers the product offers, the advantages of the buying the product, and so on.

 

That is only half the story told, actually.

 

What YOU need to find and equip yourself with are the exclusions in the life insurance policy. This is probably the most critical assessment of the policy's suitability where you are concerned.

Make sure that you go through the exclusions mentioned in the riders as well. They could well be different from the ones mentioned in your basic insurance plan.

Term Insurance: Exclusions

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Insurance Details

Pension Plans
     (Want regular income for my family after my retirement)

Child Plans
     (Want to save for my child's future)

Term Plans
     (Want to ensure maximum life cover at the lowest possible cost)

ULIP
     (Want a long-term investment option with market-linked returns)

Traditional Plans
     (Want a long-term investment option with low risk)

 

 

Preferred Insurance Cos.
  •  Best 5
  •  ICICI PRUDENTIAL
  •  AEGON RELIGARE
  •  LIC
  •  BAJAJ ALLIANZ
  •  KOTAK
  •  HDFC
  •  SBI
  •  MAX NEW YORK
  •  BIRLA SUN
  •  METLIFE
  •  TATA AIG
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Endowment: Exclusions

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Decision-making Corner

  • Term Insurance comparator
  • Mediclaim comparator
  • Should I Continue My Children's Money back Policy?
  • Endowment vs. Whole Life Comparator

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