Preparing for the future involves choosing life insurance that truly fits your needs. This video (with subtitles) guides you through the main steps:

1. Assess Your Needs – Calculate income replacement, debts, future plans (kids, mortgage).

2. Understand Policy Types – Term life, whole life, ULIPs/investment-linked plans, and final-expense policies.

3. Choose Coverage & Term – Aim for 10–15× your annual income; align term with major goals like mortgage or child support.

4. Compare Premiums & Riders – Look at features like critical illness cover, accidental death, waiver of premiums.

5. Check Insurer’s Credibility – High claim settlement ratios mean smoother payouts.

6. Policy Flexibility & Fine Print – Can you adjust coverage later? Watch exclusions, waiting periods, inflation protection.

7. Seek Professional Help – Financial advisors can tailor plans and clarify legal/technical terms.

👍 Why it matters: Choosing wisely ensures your

family stays financially secure—even when you can’t be there.

📌 Covered in the video: Definitions of key terms, real-life examples, step-by-step checklist, comparison of plan types, tips on avoiding common mistakes.

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