Is this a proper plan for term insurance?

Is this a proper plan for term insurance?

Just trying to see if I am able to understand and apply knowledge of insurance. Please give your opinion. Here is a hypothetical example: X(35yrs) and Y(30yrs) are married and employed and they got joint home loan for Rs 30 lakh. They will be in service till 60yrs of age. Their current annual incomes are about Rs 5 lakh and Rs 3.8 lakh respectively. X and Y are willing to buy term insurances with sum assured of Rs 50 lakh with 25yrs and 30yrs terms respectively. (First doubt, given their income level, are they eligible for such high sum assured?) They both want to get critical illness rider of same sum assured (Rs50 lakh) amount since critical illness is kind of death of earning capability. Also they want to take same accidental permanent disability benefit rider of same sum assured(Rs 50 lakh) for same reason. They also want to have separate mediclaims though that is different kind of insurance and we won’t consider here. Do you think that they are on right track for planning term insurance with riders?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

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Is this a proper plan for term insurance?

Just trying to see if I am able to understand and apply knowledge of insurance. Please give your opinion. Here is a hypothetical example: X(35yrs) and Y(30yrs) are married and employed and they got joint home loan for Rs 30 lakh. They will be in service till 60yrs of age. Their current annual incomes are about Rs 5 lakh and Rs 3.8 lakh respectively. X and Y are willing to buy term insurances with sum assured of Rs 50 lakh with 25yrs and 30yrs terms respectively. (First doubt, given their income level, are they eligible for such high sum assured?) They both want to get critical illness rider of same sum assured (Rs50 lakh) amount since critical illness is kind of death of earning capability. Also they want to take same accidental permanent disability benefit rider of same sum assured(Rs 50 lakh) for same reason. They also want to have separate mediclaims though that is different kind of insurance and we won’t consider here. Do you think that they are on right track for planning term insurance with riders?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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Is this a proper plan for term insurance?

Just trying to see if I am able to understand and apply knowledge of insurance. Please give your opinion. Here is a hypothetical example: X(35yrs) and Y(30yrs) are married and employed and they got joint home loan for Rs 30 lakh. They will be in service till 60yrs of age. Their current annual incomes are about Rs 5 lakh and Rs 3.8 lakh respectively. X and Y are willing to buy term insurances with sum assured of Rs 50 lakh with 25yrs and 30yrs terms respectively. (First doubt, given their income level, are they eligible for such high sum assured?) They both want to get critical illness rider of same sum assured (Rs50 lakh) amount since critical illness is kind of death of earning capability. Also they want to take same accidental permanent disability benefit rider of same sum assured(Rs 50 lakh) for same reason. They also want to have separate mediclaims though that is different kind of insurance and we won’t consider here. Do you think that they are on right track for planning term insurance with riders?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

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Is this a proper plan for term insurance?

Just trying to see if I am able to understand and apply knowledge of insurance. Please give your opinion. Here is a hypothetical example: X(35yrs) and Y(30yrs) are married and employed and they got joint home loan for Rs 30 lakh. They will be in service till 60yrs of age. Their current annual incomes are about Rs 5 lakh and Rs 3.8 lakh respectively. X and Y are willing to buy term insurances with sum assured of Rs 50 lakh with 25yrs and 30yrs terms respectively. (First doubt, given their income level, are they eligible for such high sum assured?) They both want to get critical illness rider of same sum assured (Rs50 lakh) amount since critical illness is kind of death of earning capability. Also they want to take same accidental permanent disability benefit rider of same sum assured(Rs 50 lakh) for same reason. They also want to have separate mediclaims though that is different kind of insurance and we won’t consider here. Do you think that they are on right track for planning term insurance with riders?


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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Is this a proper plan for term insurance?

Just trying to see if I am able to understand and apply knowledge of insurance. Please give your opinion. Here is a hypothetical example: X(35yrs) and Y(30yrs) are married and employed and they got joint home loan for Rs 30 lakh. They will be in service till 60yrs of age. Their current annual incomes are about Rs 5 lakh and Rs 3.8 lakh respectively. X and Y are willing to buy term insurances with sum assured of Rs 50 lakh with 25yrs and 30yrs terms respectively. (First doubt, given their income level, are they eligible for such high sum assured?) They both want to get critical illness rider of same sum assured (Rs50 lakh) amount since critical illness is kind of death of earning capability. Also they want to take same accidental permanent disability benefit rider of same sum assured(Rs 50 lakh) for same reason. They also want to have separate mediclaims though that is different kind of insurance and we won’t consider here. Do you think that they are on right track for planning term insurance with riders?


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