Life Insurance ek aisa financial arrangement hai jo ek vyakti ke jeevan ke saath judi anishchit ghatnaon se uske parivaar ko maali suraksha deta hai. Yeh ek legal aur financial agreement hota hai jo policyholder aur insurance company ke beech hota hai.
Is agreement ke tahat dono pakshon ki zimmedariyaan pehle se nirdharit hoti hain.
Life Insurance Ka Basic Framework
Life insurance contract do mukhya zimmedariyon par aadharit hota hai:
1. Policyholder ki zimmedari
Policyholder ek nirdharit rakam insurance company ko niyamit roop se deta hai. Yeh bhugtan mahine, chh mahine ya saal ke hisaab se ho sakta hai. Is rakam ko Premium kaha jaata hai.
2. Insurance company ki zimmedari
Agar policyholder ki mrityu policy ke active period ke dauraan hoti hai, to insurance company uske nominee ko ek pehle se tay ki gayi rakam ka bhugtan karti hai. Is rakam ko Sum Assured ya Coverage Amount kaha jaata hai.
Yeh agreement sirf aur sirf policy period ke andar hi valid hota hai.
Life Insurance Mein Prayukt Technical Terms
| Term | Arth |
|---|---|
| Premium | Wo rakam jo policyholder niyamit roop se insurance company ko deta hai |
| Policy Period | Wo samay avadhi jiske dauraan policy active rehti hai |
| Sum Assured | Mrityu hone par nominee ko milne wali nirdharit rakam |
| Nominee | Wo vyakti jo policyholder ke baad insurance amount receive karta hai |
Policy Period Ke Baad Mrityu Ka Case
Yeh ek atyant mahatvapurn tathya hai jise bahut kam log samajh paate hain.
Agar policyholder ki mrityu policy period ke baad hoti hai, to insurance company kisi bhi prakar ka death benefit dene ke liye zimmedar nahi hoti.
Iska kaaran yeh hai ki insurance company ka risk sirf policy term tak hi simit hota hai.
Udaharan:
- Policy term: 25 saal
- Policy shuru hone ki umar: 27 saal
- Mrityu ki umar: 52 saal
Is stithi mein policy period poora ho chuka hota hai. Isliye nominee ko koi sum assured nahi milega, chahe poora premium bhugtan kiya gaya ho.
Life Insurance Products Ke Mukhya Prakar
1. Term Life Insurance
- Sirf mrityu cover ke liye hoti hai
- Policy period ke dauraan mrityu par hi bhugtan hota hai
- Policy period ke baad koi maturity ya return nahi milta
- Premium bahut kam hota hai
2. Endowment, Money Back aur Whole Life Plans
- Mrityu cover ke saath maturity benefit bhi dete hain
- Policy period poora hone par maturity amount milta hai
- Premium kaafi zyada hota hai
- Insurance ke saath savings ka tatva juda hota hai
Endowment Plans Ka Basic Structure
Endowment plans sirf insurance nahi hote. Inmein do cheezen ek saath hoti hain:
- Risk cover
- Zabardasti savings ya investment
Isi wajah se in plans ka premium term insurance ke mukable kaafi mehenga hota hai.
Premium Ka Androoni Vibhajan
A. Risk Premium
- Insurance protection ke liye
- Mrityu hone par sum assured isi hissa ke badle milta hai
- Policy lapse hone par yeh rakam wapas nahi milti
B. Savings ya Investment Portion
- Extra rakam jo company investment mein lagati hai
- Government bonds, securities ya bonus ke roop mein
- Isi se maturity ya surrender value banti hai
Endowment Plans Ke Nuksaan
- Premium bahut mehenga hota hai
- Returns aksar inflation se kam hote hain
- Liquidity bahut kam hoti hai
- Policy lapse hone par poora paisa nahi milta
- Risk cover ke muqable savings par zyada zor hota hai
Bharatiya Grahak Ki Manovaigyanik Soch
Bharat mein insurance ko kabhi bhi sirf risk protection ke roop mein nahi dekha gaya. Aam grahak ka maanna raha hai:
Agar main zinda raha to mera premium barbaad ho jaayega.
Isi soch ke kaaran term insurance jaise saste aur prabhavi products ko logon ne aswikar kiya.
Insurance Companies Ne Is Soch Ka Kaise Fayda Uthaya
- Sirf suraksha nahi
- Balki paise ki wapsi ka bharosa chahiye
Isi manovaigyanik zarurat ke aadhaar par Endowment plans ko develop kiya gaya.
Endowment Plan Ka Business Model
- Risk cover bhi
- Zabardasti savings bhi
Yeh model grahak ko manasik santosh deta hai, lekin arthik roop se zyada labh insurance company ko hota hai.
Customer Ke Fayde Kyun Seemit Reh Jaate Hain
- Mehenga premium
- Kam insurance cover
- Low returns
- Kam liquidity
- Investment ka bhram
Asal mein grahak insurance ke saath kam return wali savings kharidta hai.
Insurance Company Ko Milne Wale Fayde
- Lamba aur niyamit premium flow
- Agent commission zyada
- Customer retention majboot
- Investment par poora control
Asal Sach
- Grahak ke dar aur bhavnaon par aadharit
- Arthik fayda company ke paksh mein
- Protection plus savings ka bhram
Saaransh
Endowment plans ek aisa design hain jo grahak ki manovaigyanik kamzori par tika hota hai, jahan insurance company ke business interest ko prathmikta di jaati hai aur grahak ko simit arthik labh milta hai.