Term Plan – Aapke Parivar Ki Financial Shield
Zindagi unpredictable hai… aaj hum hanste hain, kal kya hoga koi nahi jaanta. Hum apne parivaar ke liye din-raat mehnat karte hain – unke sapne poore karne ke liye, unke comfort ke liye, unke future ke liye. Lekin agar ek din hum unke saath na rahein, to kya humne unke liye financial shield create kiya hai?
Yahi shield hai — Term Insurance Plan.
Term Plan ek aisa suraksha kavach hai jo aapke parivaar ko financial safety deta hai jab aap unke saath nahi hote. Ye plan simple hai, samajhne me easy hai, aur sabse important – affordable hai.
Kya Hai Term Plan?
Term Plan ek pure life insurance plan hai jisme aap ek fixed premium ke badle ek bada life cover lete hain.
Agar policyholder ki death policy ke dauran hoti hai, to family ko sum assured milta hai.
Is paise se unka jeevan smoothly chalta rahega — ghar ka kharcha, bachchon ki fees, loan EMI, ya koi bhi daily need.
Agar policyholder policy term tak safe rehta hai, to koi maturity nahi milti — kyunki yeh plan protection ke liye bana hai, investment ke liye nahi.
Aapko Term Plan Kyun Lena Chahiye?
Har responsible insaan chahta hai ki uske baad bhi uska parivaar kabhi musibat me na aaye.
Term plan wahi bharosa deta hai — ek financial shield ke roop me.
Sochiye… agar aap hi family ke main earning member hain aur kal aap unke saath nahi rahe, to ghar ka kharcha, bachchon ki education, ya unka future kaun sambhalega?
Term plan un sab sawalon ka jawab hai.
Yeh ek promise hai – jo aap apni family ke liye karte hain.
Agar aap nahi rahe, to bhi aapka pyaar aur protection un tak zarur pahunchta hai.
Term Plan Ke Major Benefits
🛡️ Bada Cover, Chhota Premium:
Aap sirf ₹500–₹1000 mahine me crore tak ka cover le sakte hain.💰 Family Financially Secure Rahegi:
Agar aap nahi rahe, to family ko lump-sum amount milta hai jo unke future needs cover karta hai.❤️ Emotional Peace of Mind:
Aapko sukoon milta hai ki aapne apni responsibility poori kar di hai.🧾 Tax Benefits:
Premiums par Section 80C aur payout par Section 10(10D) ke under tax exemption milta hai.⚙️ Flexible Options:
Riders add kar ke accidental death ya critical illness ke liye extra protection mil sakta hai.
Real Life Example
Mr. Rajesh, ek 35-year-old salaried person, apni wife aur do bachchon ke saath rehte hain.
Unhone ek crore ka term plan liya jiska premium sirf ₹900 mahine ka tha.
Unfortunately, ek accident me unka dehant ho gaya. Lekin unke family ko ₹1 crore ka death claim mila, jisse unke bachchon ki education aur ghar ka kharcha smoothly chalta raha.
Yahi hai term plan ka asli value — life ke baad bhi protection zinda rehti hai.
Kab Lena Chahiye Term Plan?
Jitni jaldi lein, utna sasta premium milega.
Agar aap 25-30 saal ke hain aur income regular hai, to ye best age hai term plan start karne ki.
Aap jitna delay karenge, premium utna hi badhega.
Final Thought
Term Plan koi luxury nahi hai — yeh ek necessity hai.
Yeh plan aapko peace of mind deta hai, aur aapke parivaar ko ek strong financial foundation.
Apne parivaar ke future ko secure karna sirf ek decision ka matter hai.
Aaj ek chhota step lijiye – kal aapka parivaar aapko lifetime yaad karega.
