Life insurance sirf ek policy nahi hoti, balki parivaar ke future ka safety shield hoti hai. Jab hum policy lete hain to ek vada karte hain apne loved ones se – ki chahe life me kuch bhi ho, unka future secure rahega.
Lekin kai baar zindagi ke pressure, financial problems, ya simple bhool ki wajah se Life Insurance policy lapse ho jaati hai. Aur jab policy lapse hoti hai, to sirf ek document inactive nahi hota, balki family ki security bhi risk me aa jaati hai.
Is blog me hum detail me samjhenge ki Life Insurance policy lapse hone par kya karein, kaise usse revive karein, aur future me lapse hone se kaise bachayein.
Life Insurance Policy Lapse Kya Hoti Hai?
Jab policyholder due date par premium pay nahi karta, aur grace period (usually 15–30 days) ke baad bhi payment nahi hoti, to policy lapse ho jaati hai.
Policy lapse hone ke baad:
Life cover band ho jaata hai
Claim ka benefit nahi milta
Policy ke saare protection benefits khatam ho jaate hain
💔 Sochiye, agar policy lapse ho aur usi time kuch unfortunate ho jaye, to family completely unprotected reh jaati hai.
Life Insurance Policy Lapse Hone Ke Main Reasons
Policy lapse hone ke kuch common reasons hote hain:
Financial problems ya income ka gap
Premium date ya amount bhool jaana
Agent ya service se proper follow-up na milna
Policy ka importance samajh na aana
Ye sochna ki “baad me revive kar lenge”
👉 Par yaad rakhiye, life me risk kab aayega, ye koi nahi jaanta.
Life Insurance Policy Lapse Hone Par Sabse Pehla Step
✅ Panic Na Karein
Sabse pehle ghabrayein nahi. Policy lapse hone ka matlab yeh nahi ki sab kuch khatam ho gaya hai.
✅ Policy Details Check Karein
Policy number
Date of lapse
Kitna time ho chuka hai lapse hue
Company ki revival policy
Ye sab jankari hona bahut zaroori hai.
Life Insurance Policy Revive Kaise Karein?
Zyada tar insurance companies policy revival ka option deti hain.
🔹 1. Revival Period Samjhein
Generally:
Lapse hone ke 2–5 saal ke andar policy revive ho sakti hai
Revival period policy type aur company par depend karta hai
🔹 2. Pending Premium Pay Karein
Policy revive karne ke liye:
Saare pending premiums
Late fee / interest
pay karna hota hai.
🔹 3. Health Declaration Ya Medical Test
Agar policy zyada time se lapse hai, to:
Health declaration
Medical tests
karwane pad sakte hain.
💡 Isliye jitni jaldi revive karenge, utna easy hoga.
🔹 4. Revival Approval
Company aapke documents aur health details verify karne ke baad policy active kar deti hai.
Agar Policy Revive Na Ho Paaye To Kya Karein?
Har case me revival possible nahi hota. Aise me options hote hain:
✔️ Paid-Up Policy Option
Agar aapne minimum years ka premium pay kar diya hai:
Policy paid-up ho sakti hai
Sum assured kam ho jaata hai
Cover limited hota hai
✔️ Surrender Value Check Karein
Agar policy revive nahi karni:
Surrender value mil sakti hai
Lekin yeh option last choice hona chahiye
💔 Surrender ka matlab hai future protection ka end.
Policy Lapse Hone Ke Nuksaan (Jo Log Ignore Karte Hain)
Life cover bilkul khatam
Claim rejection ka risk
Tax benefits ka loss
Restart karne par zyada premium
Age aur health ke wajah se new policy lena mushkil
👉 Ek chhoti si bhool, family ke future par bhaari pad sakti hai.
Policy Lapse Hone Se Kaise Bachayein?
🔸 Auto Debit / ECS Lagayein
Premium date bhoolne ka tension khatam.
🔸 Premium Mode Sahi Chunein
Monthly, quarterly, half-yearly ya yearly – jo comfortable ho.
🔸 Contact Details Update Rakhein
Mobile number, email hamesha updated ho.
🔸 Professional Advisor Se Judeyin
Sirf policy bechne wala nahi, policy ko jeene wala advisor choose karein.
Emotional Reality – Jo Har Policyholder Ko Samajhni Chahiye
Life insurance aapke liye ho sakta hai ek paper ho,
par aapke parivaar ke liye woh unki zindagi ka sahara hota hai.
Agar aap nahi rahe aur policy lapse ho chuki ho,
to family sirf aapko nahi, financial security ko bhi kho degi.
Isliye policy ko lapse hone dena matlab:
👉 Apne sapno ko adhoora chhodna
👉 Apne loved ones ko risk me daalna
🔔 Call To Action – Aaj Action Lijiye, Kal Der Ho Sakti Hai
Agar:
Aapki life insurance policy lapse ho chuki hai
Aap revival process samajhna chahte hain
Ya apni existing policy ka free review chahte hain
👉 Abhi mujhse baat karein. Main aapki policy ko revive karne me ya best alternative suggest karne me poori madad karunga.
📧 Email: ajay96890@gmail.com
📞 Call / WhatsApp:
📱 9828418672
📱 8949846892
Yaad rakhiye:
👉 Policy lapse ho sakti hai, par zimmedari lapse nahi honi chahiye.
👉 Aaj liya gaya ek sahi decision, kal poori family ki life badal sakta hai.
Abhi connect karein – kyunki parivaar ki security ka koi pause button nahi hota.
