{"id":304,"date":"2020-09-28T04:04:13","date_gmt":"2020-09-28T04:04:13","guid":{"rendered":"http:\/\/blog.insurancesamadhan.com\/?p=304"},"modified":"2020-09-28T04:04:14","modified_gmt":"2020-09-28T04:04:14","slug":"three-things-should-be-in-mind-while-buying-a-term-insurance-plan","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/three-things-should-be-in-mind-while-buying-a-term-insurance-plan\/","title":{"rendered":"Which things should be in mind while Buying Term Insurance Plan"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/three-things-should-be-in-mind-while-buying-a-term-insurance-plan\/#Three_Things_Should_be_in_Mind_While_Purchasing_a_Term_Insurance_Plan\" >Three Things Should be in Mind While Purchasing a Term Insurance Plan<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/three-things-should-be-in-mind-while-buying-a-term-insurance-plan\/#How_to_Calculate_Term_Insurance\" >How to Calculate Term Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/three-things-should-be-in-mind-while-buying-a-term-insurance-plan\/#What_Should_be_the_Term_of_Your_Insurance\" >What Should be the Term of Your Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/three-things-should-be-in-mind-while-buying-a-term-insurance-plan\/#Can_the_Term_Policy_be_Bought_under_MWP_Act\" >Can the Term Policy be Bought under MWP Act?<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Term&nbsp;<a href=\"https:\/\/www.insurancesamadhan.com\/blog\/types-of-life-insurance-frauds-in-india\/\">Life Insurance<\/a>&nbsp;is the best protection one can offer against untimely death. We all have basic monthly home expenses which includes the Kitchen expenses, loan\u2019s EMI, rent and any other miscellaneous expenses. In the absence of the bread earner the family finds it difficult to maintain the standard of living. The mother may have to leave kids and search for job or if earning may have to reduce the standard of living given by her husband and vice versa. Term Insurance is a protection which the earning members should buy to protect the standard of living of their family.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Three_Things_Should_be_in_Mind_While_Purchasing_a_Term_Insurance_Plan\"><\/span>Three Things Should be in Mind While Purchasing a Term Insurance Plan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\"><li>How to Calculate Term Insurance?<\/li><li>What Should be the Term of Your Insurance?<\/li><li>Can the Term Policy be Bought under MWP Act?<\/li><\/ol>\n\n\n\n<p><center><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&#038;utm_medium=organic&#038;utm_campaign=blog_banner&#038;utm_content=http%3A%2F%2Fbit.ly%2F2kuc159\"\/><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\"\/><\/a><\/center><\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Calculate_Term_Insurance\"><\/span>How to Calculate Term Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Normally we suggest that you multiply the monthly expenses with 200 to know the amount of term&nbsp;<a href=\"https:\/\/www.insurancesamadhan.com\/blog\/types-of-bonus-in-your-life-insurance-policy\/\">life insurance<\/a>&nbsp;required to protect the family. This is based on a calculation that if the earning member is replaced by a Fixed Deposit in a bank and gets return @ 6% on a monthly basis, the expenses of the family are taken care.<\/p>\n\n\n\n<p>For eg If you have an expense of Rs 50000 per month, you need a term of 50000* 200, i.e. 1 crores<\/p>\n\n\n\n<p>So, if an untimely death happens family can keep the money in bank and get Rs 50000 every month.<\/p>\n\n\n\n<p>There are many other formulae available like 15- 20 times your annual income.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Should_be_the_Term_of_Your_Insurance\"><\/span>What Should be the Term of Your Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>We shall suggest that the term should be at least the earning years age 58-60 years but you can have for as long as the company is offering.<\/p>\n\n\n\n<p>Some people may buy term only to cover their&nbsp;<a href=\"https:\/\/www.insurancesamadhan.com\/blog\/home-insurance-policy-in-india\/\">home loan<\/a>&nbsp;or any big loan they have taken and fix the term as the period of loan repayment.<\/p>\n\n\n\n<p>The idea of selecting the term is the duration you have liability and you need protection for the family.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_the_Term_Policy_be_Bought_under_MWP_Act\"><\/span>Can the Term Policy be Bought under MWP Act?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes, in fact term should be bought under Married Women protection act to protect family against the liability. Policy bought under MWP act cannot be attached by the court.<\/p>\n\n\n\n<p>The Married Women\u2019s Property Act (MWP Act) is an act that states, an Indian married woman\u2019s earnings are her own property. This act mandates that the money received by the wife from the policy is her property and it cannot be used to repay the husband\u2019s liabilities.<\/p>\n\n\n\n<p><center><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&#038;utm_medium=organic&#038;utm_campaign=blog_banner&#038;utm_content=http%3A%2F%2Fbit.ly%2F2kuc159\"\/><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\"\/><\/a><\/center><\/p>\n\n\n\n\n<p>If You&#8217;re having any kind of problem while purchasing a Term Insurance Plan or any Agent is giving you fake news about Term Insurance Plan just reach us we&#8217;ll help you to buy a perfect&nbsp;<strong>Online Term Plan<\/strong>.<\/p>\n\n\n\n<p>To reach us at InsuranceSamadhan.com \u2013<\/p>\n\n\n\n<p>Call us at \u2013 844 844 0626<\/p>\n\n\n\n<p>Mail us at \u2013&nbsp;<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n\n\n\n<p>Register your insurance complaint&nbsp;<a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=blog\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Term&nbsp;Life Insurance&nbsp;is the best protection one can offer against untimely death. We all have basic monthly home expenses which includes the Kitchen expenses, loan\u2019s EMI, rent and any other miscellaneous expenses. In the absence of the bread earner the family&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/three-things-should-be-in-mind-while-buying-a-term-insurance-plan\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":5,"featured_media":305,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-304","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Which Things Must be in Mind While Buying a Term Insurance Plan<\/title>\n<meta name=\"description\" content=\"Term Insurance Plan or Online Term Plan: Here we tried to tell you which things you should take care while purchasing a Online Term Insurance Plan. 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We all have basic monthly home expenses which includes the Kitchen expenses, loan\u2019s EMI, rent and any other miscellaneous expenses. In the absence of the bread earner the family&hellip; Continue Reading &rarr;","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/304","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=304"}],"version-history":[{"count":1,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/304\/revisions"}],"predecessor-version":[{"id":306,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/304\/revisions\/306"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/305"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=304"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=304"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=304"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}