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Date : Feb 20, 2009

Question

which term plan is the best one in the market, covering home loan, CI Rider and ADDR .

Answer

We at Apnainsurance would recommend you for going in for term insurance rather than loan cover term insurance as term insurance is based on level term insurance whereas loan cover term insurance is based on decreasing term insurance.

loan cover term insurance: If you are taking a loan to buy a house for your family, this plan can help you ensure that life's uncertainties do not affect their shelter. It is an affordable plan that has been designed to help your family repay the outstanding loan in case of your unfortunate death. The lump sum will be a decreasing percentage of the initial Sum Assured as the outstanding amount of the loan decreases as per the loan schedule, the cover under the policy also decreases as per the policy schedule.

Term insurance: 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.

You can visit term insurance comparator on our website where in you can compare various term insurance policies available in the market.

 

 

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36832 I purchased few LIC endowment polocies about five years back. Is it adviseable to discontinue t
36831 Dear Sir, I am looking for Children policy i am wondering which one to go for
36830 My brother has got a job of constable in 4th Assam Police Task Force last year.His job does not
36829 My brother has got a job of constable in 4th Assam Police Task Force last year.His job does not
36827 What is the formula for calculating the human lofe value?
36826 Hi, I,m 26 year,married,have a doughtier.i do't have any insurance plan,should i take a term p
36823 Hi We are seeking a best pension plan which gives us specific amount each month after retire
36822 what will be the best insurance policy for my daughter , just new born.I want a gurranted retur
36821 I am 34 yrs old and work in a private sector company. My spouse is a housewife. I am looking fo
36820 Hello Sir, Please advise me the best insurance policy for my following requirement. I want t
36818 partial withdrawls in ulip are taxable or not
36816 How fair are private Insurance companies.
36815 Should we get insurance from private companies
36814 which is best LIC plan for female Child age 0
36813 Dear Sir , Is it safe to get insurance from provate opeartors..cause in difficult times they
36812 Dear Sir , I have posted this query before too..but unfortunately it was not answered..My con
36811 Dear team kindly suggest the 1.life insuranc option (without money back) 2. with money bac
36810 I am a officer in State Bank OF India aged 26 and looking forward to take a term insurance plan
36809 Dear Harsh we are looking of a policy for our doughter ( 07 Months). The policy should help
36808 which is the best pension plan scheme. I am 35 yrs old. so please suggest me one
36807 Dear Sir , I 'm planning to buy Term Insurance plan but after I came to know about AXA and now
36806 Sir, I would like to invest in some good SIP schemes for the studies of my children 8 year ol
36805 Kly suggest me birla sunlife primelife
36804 i want to know about the pention plan if i invest 12000 rs annually for 20 years and my age is
36802 dear sir i want to purchase atermpolicy myage is44years ,want5000000 sum assured .anthor for
36801 I have jeevan anand policy with lic for last 3 years with a Sum Assured of RS. 6,00,000 and jee