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Quick Financial Guide For Differently-Abled People

India is lagging behind in making India well-equipped for differently abled individuals. The main challenge that differently-abled individuals face is the stable earnings. Nowadays, differently abled people are in a more need of a term insurance plan as they are dependent on other individuals. If in case of their guardian’s death, they generally face a number of challenges as they are not able to afford good amenities and care. In such scenarios, term insurance plans help you cope with these problems and provide a peaceful life to the disabled dependent. 

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You can check out the benefits and factors to consider before purchasing life insurance for the differently-abled below:

What is Life Insurance for Differently-abled?

Life insurance for differently-abled is a special kind of life insurance plan where the disabled person is a nominee. Under this, the insurer does not pay a lump sum payment to the nominee on the death of the policyholder but rather in regular payouts paid over a period of time to the dependent until demise. This allows policyholders to secure their family’s financial future in the event of their unforeseen death.

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Can You Buy Life Insurance Plans For Differently-abled People?

Yes, individuals who are handicapped, disabled, or differently-abled can buy life insurance in India. This way the differently abled persons can also secure their families in case of an eventuality. 

Benefits of Buying a Life Insurance Plan for Differently-abled

There are many benefits of buying a life insurance plan for differently-abled individuals. Some of them are as follows:

  • Secure family’s future: Life insurance for the differently-abled provides your family with the necessary financial aid in case you die during the policy term. This is mostly beneficial if the policyholder is the sole income earner of the family and has financial dependents like spouse, kids, or parents. The payout received from the plan can be used by the family to pay for their rent, child’s fees, or any other expenses.

  • Financial help during medical emergencies: Life insurance for the differently abled also provides liquidity in the event of a medical emergency. You can use the rider benefit payout from the base life insurance to fund any unexpected expenses like health checkups or any other medical treatments. 

  • Tax benefits: You can avail of tax benefits as per the prevailing tax laws under sections 80C, 80D, and 10(10D) of the Income Tax Act of 1961. 

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Factors to Consider Before Buying Life Insurance for Differently-abled Individuals

Let us take a look at the several factors you need to consider before buying life insurance for differently-abled individuals

  • Life Cover: Before buying life insurance for differently-abled individuals, you must ensure that the life cover offered by the insurance company is enough to cover your family’s financial needs in your absence. Take your annual income, child’s fees, rent, monthly expenses, utility, and other miscellaneous bills into consideration before making the evaluation of the suitable life cover for your family.

  • Premium Rate: You must make sure that the premium rate fits within your budget and is not too heavy on your pockets. Always use a life insurance calculator to determine the suitable premium rate for your desired plan. You should always compare life insurance for differently-abled premium rates online before purchasing the plan.

  • Available Riders: Riders can help enhance your plans’ base coverage at nominal premium rates. You can go through the riders available for life insurance and include the ones relevant to your lifestyle. 

  • Future Inflation: It is important that you consider future inflation before choosing the most suitable Life insurance for the differently abled. You need to make sure that there is enough coverage with adequate funds to cover any important expenses that may arise in the future.

  • Reliable Insurer: Since life insurance for the differently abled is going to be of great importance in the long run, especially in case of your unfortunate absence, you need to make sure to purchase a life insurance plan from a reliable insurer. You can do that by checking and comparing the Claim Settlement Ratios of the top life insurance companies in India and buying a plan from the insurer with a consistently high CSR value. An insurance company with a CSR value of more than 95% has a better chance of settling your family’s claim in the future. This ensures that in the time of need, your family’s claim will be settled in a hassle-free manner and they will be able to receive financial aid to take care of their needs.

Wrapping Up!

Life insurance plans for the differently-abled are important in nations such as India. With the lack of proper facilities and social support to take care of the differently abled, guardians should ensure that the disabled dependents are financially protected throughout their life. Select the right term insurance plan for the disabled and secures the future of your loved ones. 

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