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People generally buy expensive traditional endowment plans against a high premium of Rs 25000-30000 annually and get themselves covered just for Rs 5 Lakhs. After getting an answer that term insurance plan is much cheaper and provides high insurance cover, let’s take a call between offline and online term life insurance premium quotes. But i think purchase offline plan more suitable bcoz adviser(Borker) is Suggest more suitable plan for customer.
The plan is same and online insurance quotes are quite lower as compared to offline insurance quotes for same plan.
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With only a few years to go before retirement, even with no prior retirement planning, you can still retire in comfort.


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Trade Logos displayed above belong to Kotak Mahindra Old Mutual Life Insurance Limiteda€™s promoting partners Kotak Mahindra Bank Limited and Old Mutual plc and are used by Kotak Mahindra Old Mutual Life Insurance Limited under license. All rights reserved, Registered with Insurance Regulatory & Development Authority (IRDAI) as Life Insurance Company. Just imagine, would Rs 5 Lakhs be enough after say 10-15 years to meet your daughter’s marriage, child higher education so that he can start earning, day to day expenses for your wife or family dependents till the time your son starts earning.
You would neither get sufficient investment amount at the end of tenure nor get sufficient life cover, but money would definitely go in the pockets of insurance agents and insurance companies in the form of commissions and sky rocketing premiums. Online Term Insurance Policies are much cheaper as compared to offline term insurance plans because the company is able to save high commissions which are being paid to insurance agents and the other operating costs are also not involved in buying online term plans.
This is the time when the realisation hits us that we need to manage a long part of our life without any fixed source of income and our savings would not be enough to last.


This has become possible through our specific life insurance and investment plans catering to late retirement planning.
So in order to protect the family dependents financially, people buy insurance online or offline. Traditional endowment plans and child ULIP plans, money back policies are a mix of insurance and investments.
Agents normally earn 25% of the annual premium paid by the policy holder from the first year premium.




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