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Date : Feb 25, 2009


Dear Mr. Harsh, My husbund working with gov. dept. and he has life insurance coverage. I am working with private organization and my income is not continious because of breaks for personal reasons and change in the jobs. We both are 35yrs of age and my son 3yrs. I wish to take a life insurance policy which gives some returns at the end of the period and also suggest child related policy for me. My prob. is I do not have continious income and we cannot afford any more deductions from my husbands slary. Please give your valueble suggetion based on age factor and irregular income of mine. I approx. earn 20,000 p.m as take home. Regards Sri Latha Hyderabad


We at apnainsurance believe that insurance is a protection tool rather than an investment tool. Insurance is not one of the best investment option, you need to consider other investment options also.

As far as your child is concerned we believe that first you have to take health insurance of an amount of Rs. 50000/- atleast and you need to buy term insurance plan which would protect your child's education in case of uncertainties.

Instead of buying Children`s Policy, invest into Public Provident Fund (PPF) in minors account and also think of investing into mutual fund in the form of systematic investment plan.

But for your information there are various children`s policies available in the market. These policies are designed to provide a quality higher education to the child. It also ensures that the child is taken care even in the absence of their parents. Many policies have a benefit of premium waiver. There are payout options at various pre-determined tenure of the policy to meet specific needs of the child.

In most of these policies the life insured is the parent where the beneficiary is the child. The premium of the policy depends on the age of the proposer parent or guardian and the child.

Term insurance is a pure risk cover plan, which gives you protection against the uncertainties of life. It is the cheapest of all the insurance products available in the market. Premium for Term policy depends on age, sex, occupation, health, habits & income source. For term policy maximum tenure available is 40 years.



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