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Life Insurance

4 Topics 10 Posts
  • S

    Is it better to keep my term life insurance?

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    R

    That 70% premium jump is a major concern. Don't rush. Explore alternative term life insurance quotes. Match coverage and costs. If you can make lifestyle improvements, reapply in the future. Canceling it now to re-evaluate is a smart move for a budget-friendly policy.

  • I

    Is a critical illness rider important?

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    I

    Does purchasing separate health insurance offer greater value and flexibility compared to paying a higher price for this coverage?

  • A

    Is my SBI life insurance policy genuine?

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    R

    Through SBI Life Customer portal (https://mypolicy.sbilife.co.in/) or SBI Life Easy Access app, you can verify your policy funds, which shows your Net Asset Value (NAV) and fund performance.
    Evaluate the policy's past returns and compare them to other investment options like mutual funds and term plans, and then decide whether to continue or diversify the policy.

    If you are still not able to understand, consult a financial advisor for better understanding, and you can explore other investment possibilities.

  • A

    suitable health insurance plans for me?

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    Hi
    Well you are in your 20’s so you can choose the plans with high deductibles to keep the premiums low. You can explore the options like HMO/PPO. HMO/PPO are types of health plans. HMOs (Health Maintenance Organizations) offer a network of doctors for lower costs, but PPOs (Preferred provider organizations), are more expensive but give you more flexibility. In case of unexpected injuries, you can add the accident rider for extra coverage to your health plans.