Term Insurance vs Savings Policy: Kaun Si Sahi Hai? Sachai Jo Agent Nahi Batate
Aaj kal jab bhi insurance ka naam aata hai, dimaag me turant confusion aa jaata hai. Koi bolta hai “term insurance lo, sabse best hai” , to koi kehta hai “savings policy bhi honi chahiye, warna paisa doob jaata hai” . Main khud is confusion se guzra hoon, aur honestly bataun to shuru me mujhe bhi samajh nahi aa raha tha ki kaun si policy mere liye sahi hai . Is blog me main koi policy bechne nahi aaya hoon. Bas apni samajh aur experience share kar raha hoon, taaki agar tum bhi middle-class family se ho, salary limited hai aur future ki tension rehti hai, to tum galat decision na lo . 1. Insurance lene ki zarurat kyun padti hai? Seedhi si baat hai. Insurance ka main kaam hota hai risk cover karna . Socho: Tum ghar ke earning member ho Salary se EMI, ghar ka kharcha, bachchon ki padhai sab chal raha hai Agar kal ko kuch ho gaya, to family ka kya? Isi darr ki wajah se insurance aata hai picture me. Lekin yahin par confusion shuru hota hai: Term Insurance Savi...