📝Insurance vs Investment in India: Smart Choice Revealed(Complete Gui de in Hindi)
🚨 The Harsh Truth Behind Life Insurance Hype
Insurance vs Investment in India ke is gahrayi se jude mudde me ek badi sachchayi chhupi hai. Hello Investors, aaj ke is post me janiye ki kais life insurance is desh me lagbhag ek scam ban chuka hai.
Jara sochiye jab aap moter insurance lete hai to kya kabhi aapne socha ki aapki car aur bike ki insurance ke sath agar premium pe karne par aapko koi return mil jaye, to wo paisa investement me bhi lag jaye?shayad nahi. Kyo ki moter insurance ko ham ek protection mante hai- na ki investment.
🧠 Mixing Returns With Protection? Bad Idea!
Ab sochiye- jab koi aapki moter insurance se yah kahe ki is se aap paisa bhi kama shakte hai, retire bhi ho shakate hai – to kaisa lagega? Yahi galti ham Insurance vs Investment in India ki bahas me karte hai.
Ulip ho ya endoment plan- ye sabhi instruments returns ko club karte hai, wo bhi ek behad kamjor logic ke sath. Sawal yah hai ki kyo ye aapko sach me faydemand hai? Agar insurance aur investment ko mix karna faydemand hota, to fir yah har prakar ke insurance me lagu hona chahiye – health, house, moter sab me.
💸 Returns Ki GalatFahmi Aur Hidden Cost
Ham har saal health insurance bharte hai, lekin kya usme hame money back milta hai? Kya premium par returns milte hai? nahi.
To fir Insurance vs Investment in India ki baat karte huye, keval life insurance me aisa kyo kiya jata hai? iska meaning hai ki kuchh to wrong ho raha hai.
hame sapne dikhaye jate hai ki term plan se aapko shandar return mil shakte hai. Jab ki sachchayi yah hai ki jab aap return calculater kholte hai aur dekhte hai aapne kitne paise lagaye aur kya return mila- to akshar wah savings account se bhi kam hota hai.
📈 Premium ka zansa aur ghatiya Returns
Is chakkar me aapka premium ek simple term plan se kayi guna jyada badh jata hai. Aur us badhe huye amount par aapko kya milta hai? Bahut kam return, akshar savings account ke leval se bhi kam.
Isliye meri haath jodkar vinti h ai – insurance aurr investment ko mix karna band kare. Yah galti hame bahut mahangi padati hai, aur yah galati baar-bar dohrayi jaati hai.
💼 Naye ULIPs – Purani Chale?
Kayi log kahege ki ab naye plan aa gaye hai, jinme returns jyada hai aur kamission kam hai, un se ek sidha sawal puchhiye- naya kyo lana pada? kya do saal purana plan kharab tha? kya panch saal pahele wala plan galat tha?
To jab we kah rahe the ki tabka plan best hai, tab kya wo juth bol rahe the? iska matlab tab hame bewakuf banaya gaya. Aise plans se door rahiye aur sahi nirnay lijiye.
📊 ULIP Ya Mutual Fund – Sahi Vikalp Kya Hai?
Agar aap kahete hai ki ULIP stocks me paisa lagata hai, to wahi paisa aap sidhe mutual fund me lagayiye. Premium amount bachayiye aur usi rakam se apne parivar ki suraksha ke liye ek sasta, prabhavi term plan lijiye.
Insurance vs Investment in India ki ya discussion isi point par clear ho jati hai – dono chezo ka kam alag hai aur unhe alag hi rakhna chahiye.
🔎 Term Plan Lene Se Pahele Kya Jane?
Ab is se pahele ki ham step-by -step sahi term plan chune ki aur badhe, ek jaruri baat.
Aapko kis umra tak aur kitne amount ka term plan lena hai – yah jankari bahad jaruri hai.
Aisa nahi ki aap jarurat se jyada le le aur koi aapko mis-seling kar de. Is ke liye aapko term insurance calculater ka upyog karna chahiye.
🤖 Ek Achcha Tool– Term Insurance Calculater
Is tool me aap apni umar, kitne saal tak ka cover chahiye, koi karz hai ya nahi, aur monthly kharch jaise input dege. Aur fir yah tool aapko sahi term plan select karne me madad karega.Yah spem free salah deta hai aur koi bawajah colls nahi aati.
🧾 Claim Settelment- Sirf Number Nahi, Bharosa Bhi
Jab aap Insurance vs Investment in India ke sahi vikalp chunte hai, to claim setalment retio dekhna bahut jaruri hota hai. Industry ka avarage retio 96.4% hai. Hamne un companies ko aliminate kar diya jo is avarage se niche thi. Shuruat me hamare paas 24 companies thi – lekin pahele hi filter ke baad keval 18 rah gayi.
💰 Amount Settlement Matters More
Ab keval claim ki sankhya nahi, balki amount settelment bhi dekhna jaruri hai. Kayi companies chhote claim clear kar deti hai lekin bade claim me deri karti hai – taki aankade to achche dikhe lekin paisa na dena pade.
Isliye hamne industry average 93.4% ko base mante huye kam amount settlement retio wali companies ko hataya. Ab keval 9 companies bachi.
💼 Solvency Ratio – Company Kitni Majbut Hai?
Company ki economic shthiti yaani solvancy ratio bhi jaruri hai. Is ratio ka matlab hai ki company kitni majbut hai aur bhavishya me aapke claim ko pura kar shakati hai ya nahi.
Sirf wo companies jinka sovency ratio 2 se above tha- unhe hi age rakha gaya. Ab sirf 7 companies bachi.
📊 Final Filters – Brand, Network, Trust
Hamne ab dekha ki kaunsi companies ka brand bharosemand hai, jo 20+ saal se hai, jinka service network bada hai aur jo chhote shahro tak pahuchte hai.
Yaha par bhi kayi nami companies bahar ho gayi- aur ant me keval do hi choices bachi.
🏆 Best Term Plans – Final Do Naam
Ab aapke samne do term plan companies ke naam hai: Access max life insurance aur Reliance1. Inka claim settelment, amount settlement ratio, financial majubuti aur sabhi jaruri details majbut hai.
Aap inke sath ek free consultetion call ya chat kar shakate hai taki ye aapki jarurat ke anushar sahi option bataye.
✅ Final Thought
Is post ka ek hi sandesh hai – Insurance vs Investment in India ko lekar bhram na rakhe. Aapke mata-pita aur hamare jaise kitne hi logo ne galat policy lekar karodo rupaye kho diye, jo wealth create karne me lag shakate the. Aaj se yah galti mat dohrayiye. Term plan aur investment ko alag rakhiye, tabhi aapka bhavishya surakshit rahega.
📚 Frequently Asked Questions (FAQ)
❓ Q1: Kyo kaha gaya hai ki “life insurance is desh me almost ek scame ban gaya hai”?
Isliye kyo ki Insurance vs Investment in India ki bahas me, companies logo ko bewajah ke returns ka sapna dikhakar insurance bech rahi hai.
Jab moter insurance me ham yah nahi sochte ki return milega, to life insurance me ye bhram kyo failaya jata hai?
Yaha ULIP aur endoment plans ke jariye premium ko badha kar returns ka lalach diya jata hai, lekin asal me wo savings account se bhi kam hote hai.
❓ Q2: Kya insurance aur investment ko mix karna sahi ranniti hai?
Nahi, kyo ki Insurance vs Investment in India me sabse badi galti yahi hoti hai ki dono ko mix kar diya jata hai. Agar mix karna itna faydemand hota, to health insurance, house insurance, moter insurance – in sabhi me return milne chahiye. Lekin aisa nahi hota. Iska matlab yah hai ki insurance ko invest ki tarha bechna ek zansa hai.
❓ Q3: ULIP plan aur endament plan me kya dikkate hai?
Ulip ho ya endament plan, ye sabhi plans insurance aurr invest ko mix karte hai.
Yaha samasya yah hai ki apko premium bahut jyada hota, aur jo return milta hai wah bahut hi kam hota hai.
Isliye Insurance vs Investment in India kisamaj jaruri hai taki in jalo se bacha ja shake.
❓ Q4: Kya in plans se savings account se bhi kam return milta hai?
Ji ha. post me spast bataya gaya hai ki agar aap kisi return calculater me ye plan dale, to payege ki return pratishit savings account se bhi kam hai.
Iska sidha matlab hai ki jyada premium dekar ham behad kam return par rahe hai.
❓ Q5: Term plan kyo behtar hai?
Term plan ek sasta aur sidha insurance vikalp hai jisme return ka koi zansa nahi hota. Isme aapka premium kam hota hai lekin conver bahut jyada hota hai- jaise ki 1 crore tak ka.
Jab ki ULIP jaise plans me sirf 10 lakh ke cover ke liye lakho ki premium dena padata hai.
Isliye Insurance vs Investment in India me term plan ko alag rakhna fayde mand hai.
❓ Q6: Agar insurance aur investment ko alag rakhe, to fayda kya hoga?
Aapka paisa do hisso me batega- ek hissa suraksha dega (term plan se), dusra hissa return dega (mutual fund se)
Is se premium ghatega aur invest par return badhega.
Yah ranniti jyada pardarshi aur faydemand hai, jo ki Insurance vs Investment in India ke asali samadhan ke karib hai.
❓ Q7: Naye ULIP plans me “kam commission” aur “jyada return” ka dava aur kyo kiya jata hai?
Yah ek naya marketing tarika hai. Jab log purane plans me fas jate hai aur sachchayi samne aati hai, tab companies naye naam se plan launch karti hai.
Sawal yah hai ki agar aaj ka plan sahi hai, to do sal pahele wala galat kyo tha?
Yah baar-baar hone wala ek zansa hai jiska maksad hai – bech dena.
Isliye Insurance vs Investment in India me aise davo se bachna jaruri hai.
❓ Q8: Mutual Funds vs ULIPs me kya fark hai?
ULIp bhi stocks me paisa lagata hai, lekin bhari premium lekar. Wahi mutual fund me wahi paisa jyada pardarshita se aur kam chargeg ke sath lagaya ja shakata hai.
Insurance vs Investment in India ka mul yahi hai- jo kam mutual fund achche se kar raha hai, uske liye ULIp kyo?
❓ Q9: Term plan chun ne se pahele kya bato ka dhyan rakhe?
Aapki umra monthly kharch , karz aur kitna cover chahiye- ye sabhi bate jaruri hai.
Ek term insurance calculater se yah sab janna asan ho jata hai.
Is se koi aapko galat ya bewajah jyada premium wala plan nahi bech payega.
❓ Q10: Kya claim settelment retio dekhna kafi hai?
Nahi. Sirf claim settelment nahi, balki amount settelment retio dekhna aur jaruri hai.
Kayi companies chhote claim clear karti hai lekin bade amount rokati hai.
Insurance vs Investment in India ki sahi samaj ke liye yah janna jaruri hai ki claim retio ke pichhe ka ganit kya h ai.
❓ Q11: Solvency retio kya hota hai aur kyo jaruri hai?
Solvency ratio company ki economic sehat ko darshata hai.
Agar yah 2 se upar hai, to company majbut maani jati hai.
Kam ratio wali companies bhavishya me claim bharne me mushkil paida kar shakati hai.
❓ Q12: Aakhir kin companies ko chhuna gaya aur kyo?
Sabhi filter lagane ke baad keval do companies bachi jinka claim settlement, amount retio, solvency ratio aur brand trust sabhi majbut tha.
Un companies ke sath aap free consultetion call bhi kar shakate hai taki aapki jarurat ke anushar sahi plan chuna jaye.
❓ Q13: Agar galat policy li gayi ho to kya use badla ja shakata hai?
Health insurance me to aap port kar shakate hai, lekin life insurance me nahi.
Aur baad me umra badhane par naya plan lena mahenga ho jata hai.
Isliye shuruaat me hi sahi nirnay lena jaruri hai.
❓ Q14: Insurance me 100% imandari kyo jaruri hai?
Agar aapne koi nasha ye madicle shthiti chhupayi, to claim ke samay company inkar kar shakati hai.
Is se aapke parivar ko croro ka nukshan ho shakata hai.
Un companies ke sath aap free consultation call bhi kar shakate hai taaki aapki jarurat ke anushar sahi plan chuna jaye.
Insurance vs Investment in India me claim tabhi milega jab sab kuchh imandari se disclosed ho.
❓ Q15: Is post ka sabse jaruri sandesh kya hai?
Bas yahi-insurance aur investment ko alag rakhiye. Galat plans ke chakkar me ham apne bhavishya ko jokhim me dalte hai.
Insurance vs Investment in India me samajdari yahi hai ki suraksha aur return dono ki apni jagah ho – alag-alag.
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🔚 Conclusion:
Insurance vs Investment in India ko lekar logo me ab bhi bahut bhram hai, jiska fayda kayi companies utha rahi hai. Is post aur FAQs me spast kiya gaya hai ki insurance ka uddeshya keval suraksha hai, aur investment ka uddeshya return. Dono ko milakar galat plans me paisa lagana mahngi bhul ho shakati hai. Sasta term loan aur alag se mutual fund me investment hi sahi rasta hai. Isliye ab time hai sahi nirnay lene ka – Insurance vs Investment in India ko samajiye aur apne bhavishya ko surakshit banayie.