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Date : Oct 14, 2008


I have 20.74 lakhs homeloan for 20 years with floating 11.5%. Which mortagage insurance will be best suited for me . I am 28 yrs old.


Any mortgage insurance where you have to pay least premium would be best for this purpose, as the sum assured and tenure will remain same in case of all the policies.

But at Apna insurance we advise to go for a Pure Term insurance rather than loan cover term insurance, because loan cover term insurance is a decreasing level term assurance which means the SA will keep on decreasing with the decreasing tenure ( SA will always remain equal to the outstanding loan amount) . Whereas in Pure term the SA will remain constant till maturity.

So in case of any uncertain event Loan cover will pay only for your outstanding mortgage, Pure term will pay for your mortgage obligation and the remaining amount will be paid to your beneficiaries.




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