All you need to know about Term Insurance | CA Rachana Ranade


Do we really need Insurance? Or do we buy it just to please our friend who works in some insurance company and has to meet his targets?! In today’s video, we are going to discuss many concepts revolving around Term insurance!

For best term insurance plan visit:

What is covered?
00:00 Start
01:09 What Are We Going to Learn
01:27 Understanding Term Insurance
02:48 Who Should Buy Term Insurance
04:25 What is the Right Time to Buy Insurance
05:03 Amount of Insurance Cover
06:28 Comparing Term Plan with Other Plans
09:06 How to buy Insurance
12:15 Increase in Premiums of Term Insurance
12:45 Conclusion

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Gaurav Raturi July 8, 2021 - 7:49 AM

Me v bima lunga is bar

Himanshu Patel July 10, 2021 - 9:34 AM

Dont forget to nominate in mutual funds, bank accounts, demat. Abhi bahut rona aa raha he. Huge amounts banks have frozen accounts and are not letting us take money unless we produce succession certificate.

Sanjay Maurya July 11, 2021 - 12:22 PM

If I have home loan insurance and term insurance as well.. Than is it that if am dead then I'll get only one in return? I wont get both?

Srinivasa Teja July 11, 2021 - 2:20 PM

Firstly thank you for sharing your knowledge, my age is 32 currently I'm paying LIC Jeevan Anand plan for the last 5 years (2017) sum assured is 5 Lakhs at 21 years tenure. Present my salary is 6 LPA, I'm eligible to take 1Cr Term Insurence plan. I'm in a confusion to choose premium with return or without return. With return can I see Tata AIA & HDFC offering up to 70-73 age only. Is it better to choose with preuim return term policy? Or instead, choose a non-return premium policy up to 85 years of age? Which one is best for me based on my salary and age.

Soumya Bharadwaj July 11, 2021 - 4:18 PM

I am a big fan of yours.

Srinivasa Teja July 12, 2021 - 4:02 PM

Please do a video on max life smart secure plus plan insurance, is it better than HDFC & Tata AIA

akshay shinde July 13, 2021 - 7:55 AM

Apart from claim settlement ratio, which things we need to check in term insurance? Also, what is the best type of term insurance plan?

Ravi Pandey July 14, 2021 - 3:11 PM

What if one have pre existing disease. Is he eligible?

Sorting Shorts July 14, 2021 - 4:28 PM

Thank you for providing such wonderful info, it would be very kind of you if you could make a comparison video explaining various types of insurance

Ajeet Dwivedi July 14, 2021 - 6:55 PM

Policy bazar mein ek baar visit ke baad call kr kr ke jaan le lete hai..😬😬

AADESH YADAV July 17, 2021 - 4:50 AM

You unknowingly spoke right income 1000000 / month to 1000000/year

M.A. Shettar July 18, 2021 - 4:16 AM

Mam, which insurance is better for college student?

Syama Sundaram July 18, 2021 - 4:49 PM

Hi madam
Your explanation is very good.

I've a query regarding term policy.

I have three term policies. I've taken them as my income is growing.
Unfortunately my existing policy details are not mentioned in the policies. Recently I came to know that if existing policy details are not mentioned then the claim will be rejected. Regarding this emailed to the companies 2 months ago, till now I didn't receive reply.

Is it correct, if it is correct, should I cancel all the policies and take new one

Your answer will be helpful

satheesh kumar July 19, 2021 - 3:42 PM

In the event of death , what will be the sum assured amount will be paid to the nominee?? None of the website have clear idea about this.could you please update on this ??

For eg. If a person paid 6 years of premium out of 20 years premium. And in the event of death in 7th year, how much death assured his nominee will get, will it be sum assured or will there be a percentage of that paid premium??

Nithin kumar July 21, 2021 - 2:20 PM

Mam,do you chew tobacco. You had given Yes.Anyways just kidding.Your demonstration on Term plan was superb 👌

Wayne K July 23, 2021 - 3:00 AM

Is there any waiting period for term insurance?

Nishi’s kitchen July 23, 2021 - 2:03 PM

Thanks for sharing valuable information ℹ

Kevin Sebastian July 26, 2021 - 12:40 AM

What if both the parents are working then is there a need for term insurance

the unique thinks July 26, 2021 - 6:08 AM

Hii madam I am working in contract basis in the different company so
Really I need life insurance
And I am only one earning person in my home

the unique thinks July 26, 2021 - 6:09 AM

My salary is less than 2lakh per annum
So how I get life insurance

Kk Ww July 26, 2021 - 6:28 PM

How do we find the site in policy bazaar under term insurance

ETS MEDIA July 28, 2021 - 12:12 AM

Thank you mam excellent information

giri dharan July 28, 2021 - 9:15 PM

Hi Rachana,
Really a very needy video at the present scenario. But, i request you to share another video which shall cover the better Life insurance policies for NRI's.
Thanks in advance!

YASH BHARDWAJ August 2, 2021 - 6:33 AM

Please make an video on Home Loans.

Shivpreet singh August 5, 2021 - 5:01 PM

0:54, lmao

Ram's Tech August 5, 2021 - 7:10 PM

Please do a video on best term insurance plans …

Dr Malay Trivedi August 8, 2021 - 5:52 PM

How to claim back

Samadhan Mundhe August 9, 2021 - 1:34 PM

हिंदी आणि मराठी भाषा पण बोला मॅडम फायदा होईल गरिबांना

Don Bosko August 15, 2021 - 4:03 PM

Mam, please make this videos in Hindi as well so that we can show to family members also

Suryanshu Dinkar August 17, 2021 - 12:02 PM

"10 Lakhs per month " oops galti se sach nikal gaya xd

shivaraj vet August 17, 2021 - 1:51 PM

Thanks medam useful information & good suggestion. My question I have 50y old State govt employee. Remaing 20y service can I also taken term insurance please suggest me medam

Aditya Andy Tiwari August 17, 2021 - 7:42 PM

I am also a fan of ur videos amazing Editing skill😯

ANUP BHENGRA August 22, 2021 - 6:59 AM

Should each earning members have term insurance ?

Dhiraj Jadhav August 23, 2021 - 2:44 PM

Mama, when that person will die how has done that policy online, how his family clame that policy, give little bit information about that ..

Jasmon fernandes August 28, 2021 - 6:39 PM

Ma'am I liked your video on term insurance u have explained it so well.

prashant sonawane August 29, 2021 - 4:03 PM

What should be the death reason(is it cover normal death ) to clam term insurance

Arjunan S August 31, 2021 - 1:24 AM

can one have 2 term insurance with different insurance companies?

H Mathur September 1, 2021 - 7:58 PM

Good video…but just one thing…why use CA in the name…we are all human beings after all !

khem raj joshi September 4, 2021 - 3:47 PM

wow.I am addicted to your videos and have been binge-watching your videos. Thanks ma'am for amaging lessons which by the way are so simple to understand.

BE PROFESSIONAL September 5, 2021 - 5:25 PM

Mam please thoda Hindi bhi bol lijiye 😅

sai kumar September 7, 2021 - 10:57 AM

Is bajaj is good to choose for term insurance

yeshwanth gunda September 10, 2021 - 12:20 PM

what about LIC -TECH Term


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