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Date : Oct 29, 2008

Question

Refering to yur queries listed, in one of the answers you hv said that term plan has maximum term is 40 yrs, which is that company. lic is having 35 yrs. And what u think about Birla Dream plan as a term plan which i think better option compared to others as far as term plan is concerned, because it gives ESA option and it has guaranteed benefit as well and if i misses out on paying my premium on time say after 7th year i cannot reinstate my regular term plan but in case of birla dream plan there will be some fund value out of which i can pay my premium and continue my policy. Seeking your kind opinion. thanks. satish

Answer

Yes you are right LIC gives 35 years but there are policies by Aviva Life insurance " Life Shield" and Bajaj Allianz Life Insurance  " Bajaj Allianz New Risk Care Plan " which provides term insurance for 40 years.

As far as birla Dream plan to be converted into a term insurance product is not a bad idea but one who buys term insurance has to be disciplined in case of paying premiums.There is no free lunch in the fiinance sector. There is first year premium charge and continuous fund management charges in case of birla plan.

Term insurance is a pure risk cover plan, which gives you protection against the uncertainties of life. The lump sum will be a Level percentage of the initial Sum Assured means the cover under the policy remains same throughout the period of the term. 

 

 

 

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