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Top Risk Factors That Can Affect Your Term Insurance Premium: How Insurers Decide Your Term Insurance Premium

Shalini Sharma, a 41-year-old lawyer based in Gurgaon, is the primary earning member in the family. She decided to purchase a term plan to secure the financial needs of her family. She did her research and found a reliable term plan that suited her needs and financial goals. Happy with her financial decision, she shared the news with one of her colleagues, Rohan Arora. However, Shalini was taken aback to know that her colleague was paying much less for a similar term plan, that too from the same insurance company. What made the insurance company differentiate between these two? Rohan Arora was 28 years old. He had a healthy lifestyle and a medical history that lowered his risks of falling sick/untimely demise. As compared to Shalini, he was a low-risk candidate for the insurer. And, when it comes to insurance, lower risks mean lower premiums. Understanding the risk factors that affect term insurance premiums is crucial. Let’s get into the details and know the risk factors that can affect your term insurance premium.

Car

Used Car Valuation and Its Impact on Premium

Imagine you're scrolling through listings for used cars—one shiny gem stands out. But before you get swept away by the sleek exterior, pause and consider: what’s that car really worth? More importantly, how does that valuation shape your car insurance premiums and future resale value? At jio insurance broking, we believe understanding car valuation isn’t just smart—it’s essential. Let’s dive into the world of used-car values and unpack how they ripple through your insurance costs and resale prospects.

Investment

Best Small Investment Plans in India for Smart Savings

Suman Srivastav, an IT professional working in an MNC, grew up in a salaried family where saving money was deeply ingrained. From her very first paycheck, she diligently put aside a chunk of her income every month. But Suman, she stepped into her thirties, a realisation hit her. While her savings were growing slowly, everything else around her was getting more expensive. Despite her disciplined approach, her money wasn’t working as hard as she was. That’s when it struck her: simply saving wasn’t enough anymore. What she needed was investment plans with smart savings and wealth-creation opportunities.

Term

How to choose term insurance?

The life insurance market in India is a vast one, making it the 10th largest globally. The rising awareness among people and better services have led to an increasing number of policies being sold every year. If you haven't yet become a part of the club, get your term insurance today.

Bike

Third-Party Bike Insurance vs. Comprehensive Bike Insurance: Key Differences

A bike brings freedom, thrill, and lots of excitement. What it also brings is the risk on the road. Yes, every time you ride your bike on the road, the risk of mishaps is present. While safe driving skills can avoid these risks to a great extent, these are not always inevitable. Therefore, the right approach is to follow traffic rules, drive safely, and have bike insurance that safeguards your finances against road damage. There are various types of bike insurance, and selecting the right one is crucial. In this guide, we will discuss the differences between the two major bike insurance policies: comprehensive and third-party bike insurance.

Bike

No Claim Bonus: A Unique Feature of Two-Wheeler Insurance

Owning a two-wheeler in India offers unmatched convenience and freedom. However, with this freedom comes the responsibility of ensuring your bike is adequately protected. While purchasing bike insurance is mandatory under the Motor Vehicles Act, 1988, understanding the nuances of your policy can lead to significant benefits. One such benefit is the No Claim Bonus (NCB)—a reward for cautious and claim-free riding.

Jio Insurance Broking Ltd

Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)

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customer.care@jioinsure.in

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18008898730

(9.30 AM - 6.30 PM, Monday to Friday)

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U67200MH2006PLC165651

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1^st Floor, Building - 4NA, Maker Maxity, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra - 400051

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