Kathmandu. Insurance agents meet regularly at the door-to-door, offices, giving advice for life insurance. In order to get insurance, potential customers are told about the many benefits of insurance and are advised that life insurance is important for easy saving money if there is some future in the future or a large amount of money is needed.
Here we have tried to include some important information about why life insurance should be done, why it does not or does not do it. If you don’t want the following benefits of life insurance, you may not have life insurance:
जोखिम Behen – Today’s life is full of uncertainty; In such a scenario, life insurance will ensure your family continues to live a life of convenience against any unforeseen event.
##inline_tags_PLACEHOLDER_4#Planning for #जीवन Phase Needs – Life insurance not only provides financial support in the event of untimely death, but also acts as a long-term investment. You can accomplish your goals according to your life stage and amount of risk, whether it is your child’s education, their marriage, no social behavior, building your dream home or planning a comfortable retired life. Traditional life insurance policies i.e. term insurance plans offer inherent features through various options such as savings refund, assured paid-up value, maturity benefit.
##inline_tags_PLACEHOLDER_4#protection against #बढ्दो health expenses – Life insurers provide the benefits of protection against serious illnesses and hospitalization expenses through additional facilities (riders) or a health insurance plan. This benefit assumes significant significance in view of the increasing incidence of lifestyle diseases and the increasing medical costs.
##inline_tags_PLACEHOLDER_4#creates #मितव्ययीताको habits – Life insurance is a long-term contract, where as an insured, you have to keep paying a certain amount to the insurer for a certain period of time, this amount accumulates as savings. It creates a habit of long-term savings. Regular savings in the long term ensure that a good fund is built to meet the need for money at different life stages.
सुरक्षित and profitable long-term investment – Life insurance is a highly regulated sector. The regulatory body, The Nepal Insurance Authority, through various rules and regulations ensures that the security of the insured’s money is the primary responsibility of all stakeholders. Since life insurance is a long-term saving tool, life insurers focus on long-term returns and do not make risky investment decisions for short-term profits.
##inline_tags_PLACEHOLDER_4#Assured Income through #वार्षिकी – Life Insurance is one of the best tools for retirement plans. The money saved during the earning life period is used to provide a stable source of income during the leisure phase of life.
##inline_tags_PLACEHOLDER_4#Security and Savings as #दीर्घकालीन – Traditional insurance policies are seen by both distributors and customers as a long-term commitment, so these policies help insurers efficiently meet the dual needs of security and long-term asset creation.
##inline_tags_PLACEHOLDER_4#Growth through #लाभांश – Traditional insurance offers an opportunity to participate in economic growth without risking investment. Investment proceeds are distributed among the insured through the annual announcement of the bonus.
##inline_tags_PLACEHOLDER_4#loan facility without affecting #बीमा benefits – Insurers have the option to take a loan against the collateral of the policy. This will help you meet your planned life stage needs without adversely affecting the benefits of the insurance they purchase.
कर benefits-Insurance schemes offer fixed tax benefits under most schemes as per the Income Tax Act at both times, whether insuring or making payments.
धितोको Security-Life insurance acts as an effective tool to cover the assets and loan amount pledged in banks and financial institutions for loans. As a result, in the event of any unforeseen event, the burden of payment does not fall on the bereaved family, the mortgaged property is easily released as a security of the loan.
If these benefits from life insurance are unnecessary for you, then you should not spend money on life insurance. But if you care for your future, truly love your family, then it would be wise for you to take life insurance today without delay as a responsible parent.
