Bahut log term insurance ko ignore kar dete hain jab tak life mein responsibility nahi aati. Lekin sach yeh hai ki term insurance sasta tab hota hai jab aapko lagta hai ki zarurat nahi. Is article mein hum clear karenge term insurance kab lena chahiye aur kis age par best hota hai.
1. Term Insurance Kya Hota Hai
Term insurance ek pure protection plan hota hai:
- Sirf risk cover
- No maturity benefit
- High cover, low premium
2. Best Age Term Insurance Lene Ki
- 20–30 years → Best
- 30–40 → Still ok
- 40+ → Mehnga ho jaata hai
3. Salary Ke Hisab Se Cover
Rule:
Annual income × 10–15 = ideal cover
Example
Rahul (age 27) ne early term insurance liya.Premium kam, cover zyada — decision sahi nikla.
Common Galtiyan
- Shaadi ke baad hi lena
- Employer insurance par depend rehna
Conclusion
Agar sawaal hai term insurance kab lena chahiye, toh jawab hai — jitni jaldi, utna sasta. Insurance ka kaam paisa banana nahi, family ko protect karna hai.