Jab maine apni First life insurance policy li thi, tab ki baat mujhe yaad hai ki mujhe iske baare mein zyada kuch pata nahi tha, agent ne muje aproach kiya tha uske samjhane se ki \”Insurance laena zaroori hita hai\”, toh bina kuch jyada soche samjhe maine ek policy le li. Aaj main jab us waqt ka sochta hun to mujhe lagta hai ki maine kya kuch galtiyan ki thi jo aapko nahi karni chahiye.Aaj main apna experience share kar raha hoon taki aap bhi insurance policy le waqt sahi decession le.
🧩 Meri Galtiyan (Mistakes I Made)
1. Zyada Focus Return Pe Tha, Not on Protection
Mujhe laga ki life insurance ka matlab hota hai \”paisa badhana.\” Agent ne mujhe ek endowment policy samjhaya tha jisme maturity ke baad kuch paisa milta tha. Par maine ye samjha hi nahi ki asli maksad financial protection hota hai, returns nahi.
2. Policy Samjhe Bina Sign Kar Di
Main frankly bolu toh, maine terms & conditions properly padha hi nahi. Agent ne kaha \”sab kuch covered hai\” aur maine bharosa kar liya. Baad mein pata chala ki accidental death cover alag lena padta hai.
3. Zarurat se Kam Cover Liya
Sirf ₹5 lakh ka sum assured liya tha, jo ek saal ke kharche se bhi kam hai aaj ke time mein. Jabki ideal cover aapki annual income ka 10x hona chahiye.
✅ 1. Term Insurance is the Best for Protection
Agar aapko apne parivaar ko financially secure rakhna hai, toh term insurance best hota hai. Kam premium mein high cover milta hai. Returns nahi milenge, (Returns of premium ke bhi plans aab aa gaye hai) lekin agar kuch ho jaata hai, toh family safe hoti hai.
✅ 2. Compare Before You Buy
Ab toh online bahut saare tools hain – Policybazaar, Coverfox, BankBazaar – jahan aap policies compare kar sakte ho. Main aaj agar policy leta hun , toh pehle research zaroor karta hun.
✅ 3. Don\’t Mix Insurance with Investment
Kuch Plans hai ( Ulip plan ) jahan se aap achi returns bhi le sakte hai , saath me insurance cover bhi rehta hai.
Agar paisa grow karna hai, toh mutual fund ya PPF le lo. Insurance sirf protection ke liye lena chahiye.
✅ 4. Riders Ko Ignore Mat Karo
Term policy ke sath accidental death benefit, critical illness, aur waiver of premium jaise riders useful hote hain. Agar budget allow karta hai toh include karna chahiye
🔍 Aaj Main Kya Karta Hoon (What I Do Now)
Apne premium ka track rakhta hoon.
Har 2-3 saal mein apni policy review karta hoon.
Family members ko policy details ke baare mein update rakhta hoon.
Mujhe lagta hai agar maine ye sab cheeze pehle samjhi hoti, toh zyada achha decision le sakta tha..
🙋♂️ Tips for First-Time Insurance Buyers
1. Sabse pehle apna goal samjho – Protection ya Investment?
2. Apni income aur liability ke basis pe cover decide karo.
3. Online reviews aur IRDAI registration check karo.
4. Jitna jaldi policy lo, utna premium kam hota hai.
5. Policy lene ke baad sab documents safe jagah rakho.
✍️ Ant Mein Ek Baat
Life insurance lena ek financial responsibility hai. Sirf kisi ke kehne par ya tax bachane ke liye policy mat lo. Thoda research karo, samjho, phir decision lo. Kyunki galat policy ka fayda na aapko milega na aapke parivaar ko.
Aapne apni pehli policy kaise li thi?
Kya aapko bhi aise hi experience hua?