టర్మ్ బీమా అవసరం లేని సందర్భాలివే
These are the cases where term insurance is not required: జీవిత బీమా అనగానే చాలా మంది టర్మ్ పాలసీ తీసుకొమ్మని సూచిస్తారు. దీని వల్ల తక్కువ ప్రీమియంతో ఎక్కువ కవరేజ్ పొందొచ్చు. ధూమపానం వంటి అలవాట్లు లేని 30 ఏళ్ల వ్యక్తి నెలకు రూ.800 నుంచి రూ.1000 ప్రీమియంతో టర్మ్ బీమాను తీసుకోవచ్చు. అయితే, తక్కువ ప్రీమియానికి లభిస్తోందని బీమా కొనుగోలు చేయడం సరైంది కాదు. టర్మ్ బీమా అవసరం లేని సందర్భాలు కూడా ఉంటాయి. అవి ఏంటో ఇప్పుడు చూద్దాం.![These are the cases where term insurance is not required టర్మ్ బీమా అవసరం లేని సందర్భాలివే 2022 term insurance hidden facts what kind of deaths are not covered in a term insurance plan what kind of deaths are covered in a term insurance plan is heart attack covered under term insurance accidental term insurance which of the following company does not provide vehicle insurance lic term insurance exclusions max life term insurance extremely bad credit loans in india consequences of a bad credit history 300 credit score loans what causes a bad credit score? private loan 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money with 30,000 salary how to save money from salary every month how to manage 30,000 salary how to save money with 10,000 salary how to save money from salary every month in india how to save money from salary india 5 tips on how to save money how to save money in india money saving chart in rupees money saving chart for 3 months money saving chart pdf free money saving chart money saving chart 2021 money saving chart $10,000 52 week money challenge chart how to save money at home for teenager how to save money for travel as a teenager what to save money for as a teenager how to save money as a student in india simple money management tips 250 money saving tips How to save money from salary calculator near bengaluru, karnataka How to save money from salary calculator near mysuru, karnataka how much should i save each month calculator india how much to save per month calculator personal monthly budget calculator savings account calculator india saving account calculator sbi ctc to 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india how to calculate retirement corpus retirement calculator india sbi retirement calculator india excel how to save money in bank how to save money in 15,000 salary how to save money in bank with interest in india 10 ways to save money 397 ways to save money pdf how to save money pdf control in spending money pdf personal financial discipline pdf money management books pdf understanding money pdf money management skills pdf time and money management pdf personal finance tips for high school students money management skills for students long-term financial goals for high school students retirement planning for high school students as a senior high school student how will you apply financial management in your day-to-day life financial literacy for high school students powerpoint how to save money after high school basic financial skills importance of financial management for students what is the importance of financial management in our daily life 14 things every high school student should know about money how to manage your money as a student essay importance of budgeting for students personal financial plan example for students financial goals for high school students financial planning for students how much money is enough to retire at 50 in india how much money is enough to retire at 45 in india how much money is enough to retire at 40 in india fire calculator india retirement calculator india sbi retirement calculator india excel retirement corpus calculator excel retirement corpus calculator formula the complete guide to personal finance pdf personal financial planning pdf free download personal financial management ppt 397 ways to save money pdf money management books pdf introduction to personal finance pdf money management for young adults pdf understanding money pdf saving money pdf time and money management essay 397 ways to save money pdf money management books pdf money management for young adults pdf personal financial planning pdf free download money management skills book pdf principles of money pdf These are the cases where term insurance is not required టర్మ్ బీమా అవసరం లేని సందర్భాలివే 2022 term insurance hidden facts what kind of deaths are not covered in a term insurance plan what kind of deaths are covered in a term insurance plan is heart attack covered under term insurance accidental term insurance which of the following company does not provide vehicle insurance lic term insurance exclusions max life term insurance extremely bad credit loans in india consequences of a bad credit history 300 credit score loans what causes a bad credit score? private loan for bad credit bad credit examples is 550 a bad credit score urgent loan with bad credit app top 10 brilliant money-saving tips 250 money saving tips how to save money from salary clever ways to save money smart money-saving tips money saving tips in hindi how to save money each month ways to save money at home top money saving tips top 10 brilliant money-saving tips in tamil 5 tips on how to save money modern ways of saving money 10 easy ways to save money ways to save money on a tight budget money saving challenge how to save money from salary calculator how to save money with 20,000 salary how to save money from salary in bank how to save salary monthly how to save money with 10,000 salary how to save money from salary india how to save money in 15,000 salary how to save money in 30,000 salary creative ways to save money at home creative ways to save money in 2021 brilliant ways to save money ways to save money on a tight budget creative ways to save money in a jar fun ways to save money with envelopes top 10 brilliant money-saving tips fun ways to save money as a couple easy ways to save money how to save money for students how to save money each month chart how to save money each month from salary how to save money each month in india how to save money from salary how to save money each month as a teenager clever ways to save money how to budget and save money on a small income 5 surprising ways to cut household costs how to budget and save money for beginners 10 ways to save money clever ways to save money ways to save money at home realistic ways to save money ways to save money on a tight budget uk fun ways to save money as a couple 100 envelope money saving challenge 52 week envelope money challenge weekly envelope challenge how to save money from salary how to save money fast on a low income saving money tips ways to save money each month how to save money in india as a student 10 ways to save money as a student money saving plan for students 7 ways to save money as a student how to save money for high school students how to save money for students essay importance of saving money for students how to save money as a student without working money saving chart in rupees money saving chart for 3 months saving money daily chart weekly money saving chart free money saving chart money saving chart pdf money saving chart 2021 saving money chart 52 week how to save money as a teenager in india how to save money at home for teenager how to save money as a teenager without a job how to save money for travel as a teenager importance of saving money as a teenager how to save money for college as a teenager how much money should a teenager save what to save money for as a teenager how to save money from salary every month how to save money from salary quora+ how to save money from salary percentage saving money tips and tricks how to save money each month how to save money in bank easy ways to save money how to save money for students how to save money with 30,000 salary how to save money from salary every month how to manage 30,000 salary how to save money with 10,000 salary how to save money from salary every month in india how to save money from salary india 5 tips on how to save money how to save money in india money saving chart in rupees money saving chart for 3 months money saving chart pdf free money saving chart money saving chart 2021 money saving chart $10,000 52 week money challenge chart how to save money at home for teenager how to save money for travel as a teenager what to save money for as a teenager how to save money as a student in india simple money management tips 250 money saving tips How to save money from salary calculator near bengaluru, karnataka How to save money from salary calculator near mysuru, karnataka how much should i save each month calculator india how much to save per month calculator personal monthly budget calculator savings account calculator india saving account calculator sbi ctc to in-hand salary calculator monthly salary calculation formula automatic ctc calculator take home salary calculator india income tax calculator take home salary calculator india excel how to calculate income tax on salary with example how much to save per month calculator how much of your income should you save every month how to save money from salary every month in 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books pdf understanding money pdf money management skills pdf time and money management pdf personal finance tips for high school students money management skills for students long-term financial goals for high school students retirement planning for high school students as a senior high school student how will you apply financial management in your day-to-day life financial literacy for high school students powerpoint how to save money after high school basic financial skills importance of financial management for students what is the importance of financial management in our daily life 14 things every high school student should know about money how to manage your money as a student essay importance of budgeting for students personal financial plan example for students financial goals for high school students financial planning for students how much money is enough to retire at 50 in india how much money is enough to retire at 45 in india how much money is enough to retire at 40 in india fire calculator india retirement calculator india sbi retirement calculator india excel retirement corpus calculator excel retirement corpus calculator formula the complete guide to personal finance pdf personal financial planning pdf free download personal financial management ppt 397 ways to save money pdf money management books pdf introduction to personal finance pdf money management for young adults pdf understanding money pdf saving money pdf time and money management essay 397 ways to save money pdf money management books pdf money management for young adults pdf personal financial planning pdf free download money management skills book pdf principles of money pdf](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3BDhpEFjoMePXgWo-kLFmEJd9d-KSbIyIer-9YnV2RTZyCbVDx-4GeayhGZ9jmrMj5-daWTpmfbNNsOCYrv5DxacYH7ulwswaKReRwXydfV8IB40BW4lHBK-p5VpAUbeI5k8D3-ilOqJ8bYrIBow9e_uk-5JOQuaGwbT-YR4pje35UE08k8_dFVCwoQ/w640-h360-rw/These%20are%20the%20cases%20where%20term%20insurance%20is%20not%20required%20%20%E0%B0%9F%E0%B0%B0%E0%B1%8D%E0%B0%AE%E0%B1%8D_%20%E0%B0%AC%E0%B1%80%E0%B0%AE%E0%B0%BE%20%E0%B0%85%E0%B0%B5%E0%B0%B8%E0%B0%B0%E0%B0%82%20%E0%B0%B2%E0%B1%87%E0%B0%A8%E0%B0%BF%20%E0%B0%B8%E0%B0%82%E0%B0%A6%E0%B0%B0%E0%B1%8D%E0%B0%AD%E0%B0%BE%E0%B0%B2%E0%B0%BF%E0%B0%B5%E0%B1%87.png)
కుటుంబంలో సంపాదించే వ్యక్తి ఆకస్మికంగా మరణిస్తే ఆ కుటుంబానికి ఆర్థిక మద్దతు లభించాలనే ఉద్దేశంతో టర్మ్ బీమాను రూపొందించారు. అందువల్ల టర్మ్ బీమాలో మరణ ప్రయోజనం మాత్రమే లభిస్తుంది. అంటే పాలసీ తీసుకున్న వ్యక్తి అనుకోకుండా మరణిస్తే బీమా సంస్థ పాలసీదారుని నామినీ లేదా కుటుంబ సభ్యులకు అందజేస్తుంది. పాలసీ కాలపరిమితి ముగిసే వరకు పాలసీదారుడు జీవించి ఉంటే ఏవిధమైన చెల్లింపులూ చేయరు. అయితే ఆధారిత కుటుంబ సభ్యులు లేని వారికి టర్మ్ పాలసీ అవసరం ఉండదు. మీకు వివాహం కాకుండా ఉండి, తల్లిదండ్రులు ఆర్థికంగా మీపై ఆధారపడే పరిస్థితి లేని సందర్భంలో టర్మ్ పాలసీని తీసుకోనవసరం లేదు. ఒకవేళ మీరు ఉద్యోగి అయ్యి ఉండి పిల్లలుంటే టర్మ్ పాలసీ తప్పకుండా తీసుకోవాలి. వార్షిక ఆదాయానికి కనీసం 15-20 రెట్లు అధికంగా కవరేజ్ ఉండేలా చూసుకోవాలి. గృహ రుణం వంటివి ఉన్నప్పుడు కూడా టర్మ్ బీమా పాలసీ తీసుకోవడం మంచిది.
మీకు తక్కువ బాధ్యతలు ఉండి స్థిరాస్తులు ఎక్కువగా ఉంటే కూడా జీవిత బీమాను తీసుకోవాల్సిన అవసరం లేదు. మీ స్థిర, చరాస్తుల నుంచి వచ్చే ఆదాయం నుంచి మీరు చెల్లించాల్సిన రుణాలను తీసివేయాలి. మిగిలిన ఆదాయ మొత్తం కుటుంబంలోని సంపాదించే వ్యక్తి ఆదాయం కంటే ఎక్కువ ఉండాలి. అలాగే పిల్లల చదువు, వివాహం, జీవిత భాగస్వామి రిటైర్మెంట్ తర్వాతి ఖర్చులకు అవసరమైన మొత్తాన్ని ముందే సమకూర్చుకుని ఉండాలి. ఇలా అన్ని ఆర్థిక అవసరాలకు సరిపోయే డబ్బు ఉన్నప్పుడు టర్మ్ బీమా పాలసీ అవసరం లేదు. లేదంటే టర్మ్ బీమాను తప్పనిసరిగా తీసుకోవాలి.
టర్మ్ పాలసీకి చెల్లించిన ప్రీమియంపై సెక్షన్ 80సీ కింద రూ.1.50 లక్షల పన్ను మినహాయింపు పొందొచ్చు. అయితే కేవలం పన్ను మినహాయింపు కోసం మాత్రమే జీవిత బీమా కొనుగోలు చేయొద్దు. పీపీఎఫ్, ఈఎల్ఎస్ఎస్, గృహ రుణం వంటి వాటికి కూడా సెక్షన్ 80సి కింద లభించే మినహాయింపును క్లెయిమ్ చేసుకోవచ్చు. మీ కుటుంబ ఆర్థిక అవసరాలను దృష్టిలో ఉంచుకుని మాత్రమే టర్మ్ బీమాను కొనుగోలు చేయాలి. పన్ను మినహాయింపు అనేది అదనపు ప్రయోజనం కింద మాత్రమే చూడాలి.
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