“Children Education ke liye Life Insurance Planning” – Sapno ko suraksha dene ka sabse strong tareeqa
Har parent ka ek hi sapna hota hai – “Mera bachcha padh-likh kar apni zindagi me kuch bada kare.”
Chahe doctor banna ho, engineer, CA, IAS ya phir foreign university me higher studies – education ek sapna nahi, ek zimmedaari hai.
Lekin ek sawaal jo aksar parents ignore kar dete hain:
👉 “Agar kal ko main nahi raha, to mere bachche ki padhai ka kya hoga?”
Yahin se shuru hoti hai Children Education ke liye Life Insurance Planning – jo sirf paisa invest karna nahi, balki apne bachche ke future ko guarantee dena hota hai.
Bachchon ki padhai – sirf fees nahi, poora future hota hai
Aaj ke time me education ka cost har saal 10–15% badh raha hai.
Sochiye:
Aaj school ki fees manageable lag rahi hai
Kal college, coaching, hostel, foreign education ka kharcha lakhon me hoga
Agar aaj planning nahi ki, to kal:
Loan ka pressure
Savings ka khatam ho jaana
Ya phir bachche ke sapno par compromise
Life insurance planning yahin par aapka sabse bada support ban jaati hai.
Life Insurance Planning kya hoti hai bachchon ki education ke liye?
Children education ke liye life insurance planning ka matlab hai:
Parent ke life par insurance cover
Saath me systematic savings / investment
Aur agar parent ko kuch ho jaaye, to bhi bachche ki padhai rukti nahi
Isme:
Suraksha bhi hoti hai (Life Cover)
Bachat bhi hoti hai (Maturity Amount)
Yeh planning emotional bhi hai aur practical bhi.
Agar parent ko kuch ho jaaye to policy kaise kaam karti hai?
Yeh sabse important part hai.
Maan lijiye:
Parent ne child education life insurance plan liya
Beech me kisi wajah se parent ka unfortunate demise ho jaata hai
Toh:
Insurance company poora sum assured deti hai
Kai plans me future premiums maaf ho jaate hain
Policy continue rehti hai
Maturity par bachche ki education ke liye lump sum amount milta hai
Iska matlab – aapki non-presence me bhi aapka sapna zinda rehta hai.
Education ke liye life insurance planning kyun zaroori hai?
1️⃣ Education inflation ka protection
Aaj jo course ₹10 lakh ka hai, 10 saal baad wahi ₹30–40 lakh ka ho sakta hai.
Life insurance ke through long-term planning se aap inflation ko beat kar sakte hain.
2️⃣ Guaranteed discipline ke saath savings
Life insurance me premium regularly pay hota hai, jisse:
Planning disciplined hoti hai
Paisa idhar-udhar kharch nahi hota
3️⃣ Tax benefits ka extra advantage
Life insurance plans me:
Premium par tax benefit
Maturity par bhi tax benefit (rules ke under)
Matlab – future secure + tax saving bhi.
Kaun se parents ke liye yeh planning sabse zyada zaroori hai?
✔ New parents
✔ Single earning parents
✔ Parents jinke bachche 0–10 saal ke hain
✔ Middle class families jinke liye education biggest dream hota hai
Agar aap inme se kisi category me aate hain, to planning jitni jaldi shuru hogi, utni easy hogi.
Sirf savings kaafi nahi, insurance zaroori hai
Bahut log bolte hain:
“Main FD / mutual fund me invest kar raha hoon, life insurance kyun?”
Sach yeh hai:
Savings tab kaam karti hai jab aap zinda hote hain
Life insurance tab kaam aati hai jab aap nahi hote
Education planning me sabse bada risk parent ka na rehna hota hai, jise sirf life insurance cover karta hai.
Right planning ka example (Simple samjhiye)
Agar aap:
Bachcha age: 3 saal
Education goal: 18 saal ke baad
Monthly small premium se start karte hain
Toh:
15–20 saal me ek strong education corpus tayaar hota hai
Emergency me life cover bhi milta hai
Stress-free future ka confidence milta hai
Yeh planning aaj thodi mehnat hai, kal bachche ke liye bohot badi gift ban jaati hai.
Emotional sach – Sapne rukne nahi chahiye
Ek parent ke liye sabse painful thought yeh hota hai:
“Kahin meri wajah se mere bachche ke sapne adhoore na reh jaayein.”
Children education life insurance planning ka matlab hai:
Aap apni zimmedaari aaj hi nibha rahe ho
Aap apne bachche ke future ke guardian khud ban rahe ho
Yeh sirf policy nahi, parental love ka financial form hai.
Kaunsi life insurance planning aapke bachche ke liye sahi hai?
Har family alag hoti hai:
Income different
Goals different
Risk appetite different
Isliye ready-made solution nahi hota.
Sahi plan wahi hota hai jo:
Aapki income ke hisaab se ho
Bachche ke dreams ke hisaab se ho
Aur future risks ko cover kare
Call To Action – Aaj planning shuru karein, kal pachhtaawa nahi
Agar aap chahte hain ki:
Aapke bachche ki padhai kabhi na ruke
Aapka future stress-free rahe
Aur aap ek responsible parent ka decision lein
👉 Aaj hi professional guidance ke liye sampark karein
📞 Mobile / WhatsApp:
9828418672 | 8949846892
📧 Email:
ajay96890@gmail.com
Main aapko need-based, honest aur long-term planning solution provide karunga – taaki aapka bachcha sirf sapne na dekhe, unhe poora bhi kare.
Final Message
Bachche ki padhai ek expense nahi,
Zindagi ka sabse important investment hota hai.
Aaj liya gaya sahi decision,
Kal aapke bachche ka bright future banata hai.
👉 Children Education ke liye Life Insurance Planning –
Kyuki sapne tabhi poore hote hain, jab planning pehle hoti hai.
