Dark Secrets, Claim Disputes & Hidden Clauses in TERM INSURANCE | Shrehith Karkera @dittoinsurance
19.9 هزار بار بازدید -
2 ماه پیش
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► Need Term or Health
► Need Term or Health Insurance?
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I recently did a podcast with Shrehith Karkera, the Co-Founder of Ditto Insurance and Finshots where he answered 20 of the toughest & most challenging questions on term insurance that you (my channel viewers) had posted in an earlier community post. For someone who's had a term insurance policy for over 14 years, I found this podcast session very informative and I'm sure you'll pick some good suggestions & advice from it
👉 Video Chapters:
00:00 Introduction
02:00 IIM Ahmedabad to Finshots to Ditto
06:42 Building Ditto with Inbound Leads rather than Telecalling
15:00 Till What Age Should I Take Term Insurance?
18:52 How Much Term Insurance Coverage Do I Need?
22:22 Importance of Claim Settlement Ratio
28:03 Complaints against Life Insurers
30:27 Critical Illness Rider in Term Insurance Plans
33:26 Choosing the Cheapest Term Insurance Policy
36:21 Case study 1 -- Suicide
43:05 Case study 2 -- Critical illness
46:24 Filing a Complaint with the Ombudsperson
48:13 What happens if a Smoker later turns into a Non-smoker & vice-versa
50:19 Term Insurance Options for Smokers
55:28 Can Someone with a Pre-Existing Condition Get a Term Insurance Policy?
58:42 Case study 3 -- Rejected application
1:00:27 Can a ULIP or Traditional Plan be a Worthy Substitute for Term Insurance?
1:02:06 Do I Need to Report Changes in My Lifestyle/Medical Condition to the Insurer?
1:04:30 Case study 4 -- Acknowledgement from Insurer
1:07:11 Should I Split/Diversify my Term Insurance Coverage amongst Multiple Insurers?
1:09:12 What are Zero Cost Term Insurance Plans?
1:12:41 Who Receives the Death Benefit if the Insured & Nominee have Expired?
1:13:47 How Can I Increase the Sum Assured of my Term Insurance Plan?
1:17:07 Term Insurance plans for NRIs (Non Resident Indians)
1:21:18 Insurance Claim Process in Missing Person(s) cases
1:23:20 Are Defence Personnel (Soldier, Police etc.) Eligible for a Term Insurance Plan
1:25:00 Term Insurance Premiums are Rising over 3-4 Years. Why?
1:29:15 Shankar's Takeaways
#terminsurance #lifeinsurance #dittoinsurance
Disclaimer: I am not a SEBI registered investment advisor or research analyst. I am not registered with PFRDA or IRDA either. The content posted on this platform is purely for educational purposes and none of it constitutes investing or trading advice. Viewers should do their own research and diligence before investing or acting on the information presented. Some of the links I have posted in the video, the description, the comments and other related resources might be affiliate links
Schedule a free 30-minute consultation : https://ditto.sh/0bxlo5
► 26,000+ readers have joined my Investing Newsletter
Subscribe Now : http://shankarnath.com
I recently did a podcast with Shrehith Karkera, the Co-Founder of Ditto Insurance and Finshots where he answered 20 of the toughest & most challenging questions on term insurance that you (my channel viewers) had posted in an earlier community post. For someone who's had a term insurance policy for over 14 years, I found this podcast session very informative and I'm sure you'll pick some good suggestions & advice from it
👉 Video Chapters:
00:00 Introduction
02:00 IIM Ahmedabad to Finshots to Ditto
06:42 Building Ditto with Inbound Leads rather than Telecalling
15:00 Till What Age Should I Take Term Insurance?
18:52 How Much Term Insurance Coverage Do I Need?
22:22 Importance of Claim Settlement Ratio
28:03 Complaints against Life Insurers
30:27 Critical Illness Rider in Term Insurance Plans
33:26 Choosing the Cheapest Term Insurance Policy
36:21 Case study 1 -- Suicide
43:05 Case study 2 -- Critical illness
46:24 Filing a Complaint with the Ombudsperson
48:13 What happens if a Smoker later turns into a Non-smoker & vice-versa
50:19 Term Insurance Options for Smokers
55:28 Can Someone with a Pre-Existing Condition Get a Term Insurance Policy?
58:42 Case study 3 -- Rejected application
1:00:27 Can a ULIP or Traditional Plan be a Worthy Substitute for Term Insurance?
1:02:06 Do I Need to Report Changes in My Lifestyle/Medical Condition to the Insurer?
1:04:30 Case study 4 -- Acknowledgement from Insurer
1:07:11 Should I Split/Diversify my Term Insurance Coverage amongst Multiple Insurers?
1:09:12 What are Zero Cost Term Insurance Plans?
1:12:41 Who Receives the Death Benefit if the Insured & Nominee have Expired?
1:13:47 How Can I Increase the Sum Assured of my Term Insurance Plan?
1:17:07 Term Insurance plans for NRIs (Non Resident Indians)
1:21:18 Insurance Claim Process in Missing Person(s) cases
1:23:20 Are Defence Personnel (Soldier, Police etc.) Eligible for a Term Insurance Plan
1:25:00 Term Insurance Premiums are Rising over 3-4 Years. Why?
1:29:15 Shankar's Takeaways
#terminsurance #lifeinsurance #dittoinsurance
Disclaimer: I am not a SEBI registered investment advisor or research analyst. I am not registered with PFRDA or IRDA either. The content posted on this platform is purely for educational purposes and none of it constitutes investing or trading advice. Viewers should do their own research and diligence before investing or acting on the information presented. Some of the links I have posted in the video, the description, the comments and other related resources might be affiliate links
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