Life insurance అనేది ఒక financial agreement. Policyholder (నీవు) insurance company tho agreement chesthadu – death ayina tarvatha family ki financial support ivvadam kosam. Daaniki monthly / yearly premium kattali.

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Why Life Insurance is Important? (ఎందుకు అవసరం?)

• కుటుంబానికి financial security
• Children education kosam savings
• Old age lo income replacement
• Tax benefits (Sec 80C under Income Tax Act)

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Types of Life Insurance Policies (ప్రధాన రకాల లైఫ్ ఇన్సూరెన్స్)

1. Term Life Insurance (టెర్మ్ లైఫ్ ఇన్సూరెన్స్)

• Only death benefit.
• Low premium, high coverage.
• No maturity amount.

2. Whole Life Insurance (వోలే లైఫ్ ఇన్సూరెన్స్)

• Lifetime coverage (100 years varaku).
• Death benefit + maturity benefit.
• Premiums high untayi.

3. Endowment Plan (ఎండోవ్మెంట్ ప్లాన్)

• Death benefit + savings.
• Maturity time lo lump sum amount vastundi.