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Himachal Pradesh, known as the "Land of Gods," faces rapid development, urbanization challenges, and environmental concerns. With a growing population of over 68 Lakh residents, access to healthcare services and safety concerns present significant hurdles. In such a dynamic environment, term insurance emerges as an essential safeguard, offering indispensable financial protection for your family. Understanding its significance helps secure your loved ones amidst the region's evolving landscape.
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Here is a list of statistics that can help understand the importance of term insurance in ensuring family’s financial security:
The state has a total population of 68 Lakhs as per the latest census of 2011
The sex ratio of Himachal Pradesh is around 972 females per 1000 males
The total literacy rate, as per the last census of 2011, is 82.20%
Himachal Pradesh has a death rate of 6.9, as per the latest data
The state recorded a total of 4,246 deaths due to COVID-19 out of the total 3,23,096 cases registered
These reasons stress the importance of term insurance in Himachal Pradesh. State residents can easily buy term insurance online at premiums starting from just Rs. 473 per month for a 1 Crore life cover.
Himachal Pradesh Ghumarwin, known for its natural beauty and economic growth, attracts people from all over India. The state's rapid development has led to rising living costs. To secure their families' financial future amidst challenges like environmental hazards, infrastructural strain, and limited healthcare access, residents should opt for term insurance plans catering to Himachal Pradesh Ghumarwin's specific needs.
Policybazaar enables residents to find the best term life insurance plans in India, tailored for Himachal Pradesh Ghumarwin, by comparing offerings from over 15 insurers. Selecting the right plan safeguards your family's finances amidst the evolving landscape.
Term Plans
| Term Insurance Plan | Entry Age | Sum Assured | Additional Benefits |
| ICICI Prudential iProtect Smart | 18 to 65 years | Rs. 50 Lakhs to Rs. 20 Crores |
|
| HDFC Life Click 2 Protect Super | 18 to 65 years | Rs. 50 Lakhs to Rs. 20 Crores |
|
| Max Life Smart Secure Plus | 18 to 60 years | Rs. 25 Lakhs to Rs. 1 Crore |
|
| TATA AIA SRS Vitality Protect | 18 to 60 years | Rs. 50 Lakhs to Rs. 2 Crores |
|
| Bajaj Allianz Life eTouch | 18 to 55 years | Rs. 50 Lakhs to Rs. 10 Crores |
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| PNB MetLife Mera Term Plan Plus | 18 to 50 years | Rs. 50 Lakhs to Rs. 10 Crores |
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| Canara HSBC Young Term Plan - Life Secure | 18 to 45 years | Rs. 25 Lakhs to Rs. 20 Crores |
|
| Kotak Life e-Term | 18 to 65 years | Rs. 50 Lakhs to Rs. 10 Crores |
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| Bandhan Life iTerm Prime | 18 to 65 years | Rs. 25 Lakhs to Rs. 20 Crores |
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| Edelweiss Life Zindagi Protect | 18 to 65 years | Rs. 50 Lakhs to No Limit |
|
| ABSLI Salaried Term Plan | 21 to 55 years | Rs. 50 Lakhs to Rs. 5 Crores |
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| SBI Life eShield Next | 18 to 65 years | Rs. 50 Lakhs to Rs. 10 Crores |
|
* You can use a term insurance calculator to check the premiums applicable to your profile
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You can buy a term plan or get in touch with Policybazaar’s Claim Assistance Helpline 1800-258-5881, log in to the 'My Account' section on their official website, or simply use the Policybazaar app to resolve your policy-related queries.
In Himachal Pradesh Ghumarwin, amidst its picturesque landscapes and serene tranquility, lie challenges unique to the region. The state, nestled in the Himalayas, contends with harsh weather conditions, including heavy snowfall and landslides, which pose risks to residents and infrastructure alike. Additionally, remote areas face limited access to healthcare services, increasing concerns during medical emergencies. Such unpredictable circumstances emphasize the need for term insurance as a crucial safety net in Himachal Pradesh Ghumarwin.
Given the state's rugged terrain and diverse climatic conditions, the importance of life insurance cannot be overstated. Here are compelling reasons why purchasing term insurance in Himachal Pradesh Ghumarwin is imperative:
Financially Secure Family: With term insurance in Himachal Pradesh Ghumarwin, you can financially secure your loved ones, as these plans payout the entire sum assured to the nominee on the death of the policyholder during the policy term.
Affordable Premiums: Term insurance plans in Himachal Pradesh Ghumarwin start with premiums as low as Rs. 473 per month for a 1 Crore term insurance. You can easily buy the most suitable plans with the right life cover by comparing plans based on their premiums.
Child’s Future Expenses: Your children can use the benefit amount to take care of their financial needs, like pursuing higher education, funding business endeavors, or getting married.
Pay off Loans and Debts: Your family might be burdened with the repayment of outstanding loans and debts in your absence. A term insurance payout can help them pay off these debts.
Live a Stress-free Life: Term insurance for Himachal Pradesh Ghumarwin allows you to live a stress-free life as you don’t have to worry about your family’s financial security in your absence anymore.
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˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.
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