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Thread: Want to buy a term plan of 75 Lac, looking for the good settlement ratio and low premium

  1. #1
    PolicyWala Member
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    Default Want to buy a term plan of 75 Lac, looking for the good settlement ratio and low premium

    I am 28 years old. I want to buy a term plan of 75 Lac but I am confused and not able to make decision with the product. Please suggest me with the best Term plan considering the good settlement ratio and low premium.

    Regards,

    Sumant



  2. #2
    PW Stalwart Master's Avatar
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    Settlement ratio - Please check IRDA website - www.irda.gov.in
    Low premium term plan already discussed here -here.

  3. #3
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    Quote Originally Posted by Master View Post
    Settlement ratio - Please check IRDA website - www.irda.gov.in
    Low premium term plan already discussed here -here.
    Thanks for the info - Master
    Do I buy one term plan of 75 lacs or 3 plans of 25 lacs?

  4. #4
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    Quote Originally Posted by Sumant View Post
    Thanks for the info - Master
    Do I buy one term plan of 75 lacs or 3 plans of 25 lacs?
    If you go for separate three plans, then it would be costly for you. For example -
    Aegon Religare's iTerm Plan -
    Insured Age - 28 Years, Term 25 Years,
    • Sum Insured = 76 Lacs; => Premium = Rs. 7676
    • Sum Insured = 27 Lacs;=> Premium = Rs. 4131


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