Life insurance lene ka main purpose hota hai apni family ko financial security dena — lekin agar policy me nominee sahi tarah se mention na kiya ho, to pura process complicated ho jata hai. Kai cases me claim delay hota hai, kabhi kabhi reject bhi. Isi liye Life Insurance me Nominee ka role sabse important hota hai.
Is blog me hum simple aur easy Hinglish me samjhenge ki Nominee kya hota hai, kyu zaroori hota hai, kaise appoint karte hain, kaun nominee ban sakta hai, aur nominee na hone par kya problems aati hain.
Chaliye shuru karte hain.
1. Nominee Kya Hota Hai?
Nominee wo vyakti hota hai jise insurance company policyholder ke death hone par claim amount deti hai.
Simple words me —
Nominee = Aapke baad aapke paison ka legal receiver.
Life insurance ka main objective hi ye hota hai ki aapke death ke baad aapki family financially secure rahe. Agar nominee hi sahi tarah se update nahi hua, to insurance ka purpose fail ho sakta hai.
2. Nominee Ka Role – Kya Kaam Hota Hai?
Nominee ka kaam claim lene ka hota hai. Lekin sirf claim lena hi role nahi hota — nominee ye ensure karta hai ki:
✔ Aapke death ke baad claim time par file ho
✔ Documents sahi tarah se submit ho
✔ Family ke liye claim amount timely mil jaye
✔ Legal disputes na ho
Agar nominee correct mention hai, to claim settlement smooth, fast, aur hassle-free ho jata hai.
3. Nominee Kyu Zaroori Hota Hai? — Real Importance
(a) Claim Delay se Bachata Hai
Nominee assigned hone se insurance company ko pata hota hai ki paisa kisko dena hai.
Isse claim jaldi settle hota hai.
(b) Legal Dispute Avoid Hote Hain
Nominee na hone par family me
bhai-behen
wife
parents
children
ke beech dispute ho sakta hai.
Nominee mention hone par company direct usi ko claim amount transfer karti hai.
(c) Family ko Time Par Financial Support Milta Hai
Death ke baad family ko emergency me paiso ki zaroorat hoti hai.
Agar nominee sahi mentioned hai, to paisa waqt par mil jata hai.
(d) Policyholder Ki Wish Respect Hoti Hai
Nominee se pata chalta hai ki policyholder ne apne paisa kisko dene ka faisla kiya tha.
4. Kaun Nominee Ban Sakta Hai?
Nominee aap kisi ko bhi bana sakte hain:
✔ Wife / Husband
✔ Parents
✔ Children
✔ Brother / Sister
✔ Any close relative
✔ Even a friend (with insurable interest proof)
Lekin mostly recommended hota hai ki:
👉 Married hai = Wife/Husband
👉 Married nahi = Parents
👉 Family me dependent = Children
LIC aur private insurance dono me nominee banana compulsory hota hai.
5. Types of Nominees in Life Insurance
Nominee sirf ek nahi hota; kuch categories hoti hain jo kaam ko easy banati hain.
1. Beneficial Nominee
Ye India me 2015 ke baad rules change ke baad introduce hua.
Beneficial nominee generally ye hote hain:
Spouse
Parents
Children
Benefit ye hai ki agar aap unhe nominee banate hain to claim amount unka hi hoga — koi aur family member interfere nahi kar sakta.
2. Minor Nominee
Agar nominee 18 saal se chota hai to ek guardian appoint karna zaruri hota hai.
Guardian hi claim amount ko child ke 18 hone tak handle karta hai.
3. Successive Nominee
Agar pehla nominee alive na ho to second nominee claim lega.
Example:
Nominee 1: Wife
Nominee 2: Son
4. Multiple Nominees
Aap ek se zyada nominees rakh sakte hain + share percentage decide kar sakte hain.
Example:
Wife – 60%
Son – 40%
6. Nominee vs Legal Heir — Confusion Door Karein
Kai log samajhte hain ki nominee = legal heir.
Lekin kuch cases me ye correct nahi hota.
Nominee sirf trustee hota tha, lekin IRDA ke latest laws ke baad beneficial nominee ko legal heir priority mil gayi hai.
Iska matlab:
Agar aap spouse/parents/children ko nominee banate hain → Claim amount unka hi hoga.
7. Nominee Kaise Appoint Karein? (Step-by-Step)
Nominee appoint karna simple hai:
Step 1: Policy form me nominee ka naam likhen
Step 2: Nominee ka relation mention karein
Step 3: Nominee ka DOB, Address, KYC attach karein
Step 4: Minor nominee ke case me guardian ka naam add karein
Step 5: Confirmation slip receive karein
Agar aap online plan le rahe hain to nominee details form ke end me hoti hain.
8. Nominee Ko Kab Update Karna Chahiye?
Life me kuch major events hote hain jinke baad nominee update karna zaruri hota hai:
✔ Shaadi hone par
✔ Divorce hone par
✔ Bachcha hona
✔ Nominee ki death
✔ Relationship change (adoption, remarriage, etc.)
✔ Family settlement ke changes
Nominee ko update na karna future me family ke liye risk create kar sakta hai.
9. Nominee Na Hone Par Kya Problems Hoti Hain?
Nominee na hone par claim process complicated ho jata hai:
❌ Claim delay hota hai
❌ Legal heir certificate lagta hai
❌ Probate court process shuru hoti hai
❌ Family me dispute create ho sakta hai
❌ Time + stress + legal fees badh jati hain
❌ Paisa late milta hai (months ya years lag sakte hain)
Isliye insurance me nominee mention karna mandatory + critical hota hai.
10. Nominee Ka Wrong Information Dene Par Kya Hoga?
Agar nominee detail galat hai jaise:
Wrong address
Wrong spelling
Wrong DOB
Wrong relation
To claim reject nahi hota, lekin delay hota hai.
Solution:
✔ Policy update karwa dijiye
✔ KYC correct karwa dijiye
✔ Agent/Company ko request form de dijiye
11. Why Nominee Is the Heart of Life Insurance?
Life insurance ka main objective ye hota hai ki:
“Aapki family ko aapke baad financial protection mile.”
Aur ye tabhi possible hai jab nominee sahi mentioned ho.
Bina nominee ke policy incomplete hoti hai.
Nominee hi ek aisa person hota hai jo aapke absence me aapka paisa legally aur timely receive karta hai.
Agar nominee sahi choose kiya jaye, to aap apni family ke future ko stress-free bana dete hain.
12. Final Conclusion — Nominee Banana Kyun Zaroori Hai?
✔ Claim fast hota hai
✔ Legal dispute nahi hota
✔ Family financially protected rahti hai
✔ Legal heirs ko clarity milti hai
✔ Documents clear rehte hain
✔ Insurance ka actual purpose complete hota hai
Aap insurance ₹1 lakh ka lein ya ₹1 crore ka—
Nominee bina policy adhuri hai.
Call to Action (CTA)
Agar aapko lagta hai ki aapki life insurance policy me nominee update nahi hua, galat likha hai, ya aapko samajh nahi aa raha ki kisko nominee banaya jaye—
to aaj hi mujhse contact karein.
Main Ajay Jain,
15+ years of experience (LIC of India)
Certified Insurance & Financial Advisor
📞 WhatsApp/Call: 8949846892
📩 Email: ajay96890@gmail.com
🏷 Ajay Financial Services – Aapka Bharosemand Bima Saathi
Aapka ek sahi decision aapki family ka pura future secure kar sakta hai.
Aaj hi nominee details check karein!
