it's very important and it's a invest people are running away from this things
sister tell me how much money would be needed for it ? it's on us or on company?
your money will not going to anywhere it's your investments and savings as well
money that you will invest on it is as much as you fuel of your car in a month even it is a little bit below from that amount
hello to all of the viewers of Pendu Canadian
As I promised to you for taking sisiter in next video so welcome to you on our channel - hello to everyone
in Last video we talked about education and benefits of child
today we will talk about trucks and especially for truck drivers
as our audience is truckers
so what would we do after critical insurance and life insurance as a backup we need this things
although I am using this words, it's meaning is not like that I think negative
if we don't plan for our future like a person faces misshapen in his life
but anything can be happened on road
when we are surviving on the road so today we will talk openly about this topic
sister many people don't take this life insurance so tell us the benefits of this and how to get started in this things?
let's see death is a thing that is certain -right
and it's unavoidable, unexpected and we need to accept this
In our community people don't want to discuss this thing as they think it's a negative point of thing
people have myths in their mind about it
- right
but life insurance is important in India, even in every part of world it's important
because it's unavoidable
we all work hard like you, me, even everyone work hard for their family
everything is in vane
right
so life insurance is most important
people are trying to run away from this
i also ran away from this as well
I thought like it's a hassle to our mind - okay!
so today we will clear this myth from people's mind related to all the doubts of this things
see it's for your own need if you have this so it is all yours -okay
who will get the clam at the end of the day
if I have done this life insurance then my family will get all the claim
I am covering them
so please see this from that perspective, I am saying this for everyone's awareness
it's very important and don't avoid this, if you are then you are at risk
like how many of the videos we watch in our daily live, like a older person visit to Sikh temple and he passed away there
how many of the news we get, at night how many heart attacks are becoming common youngsters
many of people coming here on visitor Visa and some miss happen take place with them, may his knee broke or anything else
as there is snowing in winter and we don't aware about it -yes
that all things we will cover today
I think that topics we will cover in next video
it's okay we will do it in next video
today to my audience, see there is three things
everyone's life goes smooth but there are three things with that our smoth life may become derail
one is obviously death that is our life insurance - right
second is critical illness, nowadays diseases are increasing rapidly
cancer, let's talk about critical like how much money we have to pay for it?
it all depends on the age of a person like gow much it cost
for example what is your age ? - my age is 28 years
so if you not done this yet then... - I am done... - it's too good
congratulations, as it's is very good thing
because it's is most important thing
it's vary according to everyone's age ? - youngsters aged like me how much for them?
I don't want to give you a approximate figure but under $100 okay
it is a around figure, you also can done a lot of coverage below this amount -monthly $100
yes under $100
for those who are in same age group as you are in boys or girls
I retreat that ladies insurance is bit low as compare to men
as they are less attack takers or
as everyone's like your 28 years old see Gurparkash
but if anyone else is in same age and consumer of tambaku his not same as they are in very high risk!
they have high risk of having cancer
I want to say like anyone at 28 but have cavities and everyone's criteria is different okay
that's why I am saying if for example essume
Today your fit and fine and observe you have not done insurance and next year you will survive with any type of illness
the premium will not fear and what is the fear today's bolls in your courts
as an example if you are fit and fine insurance companies will give you a police very politely
right if you do it on right time but tommarow unfortunately if you're health will not okay then
due to unpredictability
then companies also bollision even deny as then it will become their choice to approve your application and it's not necessary to approve
I always say, it's never to late; it's a wake up call for awareness to all as they have enough education so they also need to be aware
if you never have this so please do this we don't say to take it from us - we are not recommend anyone
but education insurance is very important
okay ! and sisters tell us how much money it needs or it depends on us or company?
when you go to insurance advisor they will aid you according to your need
obviously if anything in your mind you will share with your advisor
as an example what we de as a advisor
what criteria we have like we assess your liabilities like how all of that is okay
for example, income reflacement and we want that what he does, income, expenses and so on
if in case he is no more with us then we want to cover that all
that's why we assess that according to need
you can discuss this thing face to face - yes
so it's a very deep process
if any critical case has come to you so it's also as same as normal
we do with them like that we have a list of illnesses
like critical illness 4 type we have and 25 cover illness and we assess according to that
atleast I recommend to you 25 diseases will be covered atleast
because according - thease are all not include in our life? no it's not
it's different - life is only for the death okay okay only death!
critical illness is as an example Cancer
diseases are included in that
which is considered as critical right
when you will visit to policy center there you will get list of all the diseases with names
if you are diagnose with one of those disease then you have a period of 30 days
lf you survive till 30 days after insurance then companies will
get tax free check of amount that you made during insurance period from insurance companies
how many months we have to pay for it sister?
this is also depends on age to age - okay
there is no fix number in this
insurance companies have plan for that and I recommend that to my clients
return of primium upon death for example
what is in this like if a person is unable to survive for 30 days who make this policy
if he died then which primium he filled as an example $100 monthly
how much he had paid that all will be back to him
okay right
and return of primium at age 65 like you feel fit and fine and think you don't need this policy
or till 75 atleast you will get your primium back okay okay ..
it's more like your money is save and invested as well
it's like your saving I tell you money that you invest in this as much as you pay to fuel your car in a month even it's little bit less than that
right
it will help us in our bad time when we will survive with any type of injury
is this same for disability? yes it is based on age to age
and how much of coverage we have?
okay! and how much from it starts from?
25, 50, 100 dollar from how much?
if tou want to take it for 2 years for example
typical plan of this is around $2000 per month for two years in that period majority of people get back to normal
okay that is like how we assess to that
75% of whatever you are making ; that you will be able to claim in disability case
then companies will pay you back same amount of money every month if you are taking disability insurance
okay- we need to pick a plan for that
for example if you pick it for 2 years like your disable for two years; then insurance company will pay you that money every month
right if we do that for 5 years like
there are different to different plans according to everyone's specific need
firstly we assess people's need according to their income
according to that we recommend you a plan that will be best for you
as my friend falled recently and he is not able to do anything and he needs money
so these things we missed so I recommend to all of you must take it
is it same like if we not have problem till 65 ; money will be back or not?
that plan is not available in disability
again we have different to different plans
for example based on individually again when a person meet to us me assess him okay okay
and sometimes new plans are arrived is it possible to move a plan from disability to critical?
no no it's different! okay
I think disability plan may be taken by few people?
yes it is! some people do disability!
it's like a lot of people do that as well
like nowadays people have a lot of awareness than past Okay-
mostly what we try to do like three of the insurance is equally important
life, critical and disable insurance as well
Right- as these three aspects is like that impact on your monthly income if you have to survive with one of that!
it impacts your life style, family so you need income replacement in these three snarios
these three insurances are equally important
if you need advice then you can meet to us
right_ I want to retreat that you can go to anyone for that and these three of insurances are equally important
get yourself covered right right_
it is a wake up call
I am sure to say that any of the person who is connected to me and aged same as me not even done this before
hahah
I have because my company done this for me okay-
everyone have myths their mind like what will be happen to us but I am saying to all of you
auto insurance is mandatory here that's why people have done this
cars are non living things and we have done the insurance of that as well
although we have replacement of non living things, we do the insurance of these things
in case our car is broken we can buy a new one
but people who live in this work can not be replaced with anything
and we don't take insurance for ourself
if you are truly responsible towards your family then you will definitely take life insurance
that's the best promise that you can make 161 00:12:27,097 --> 00:12:21,597 you can to your wife or anyone as a husband or wife
you are responsible if you are doing better planning for future
if you haven't plan properly then nothing is valuable that you are doing
if you earn money and save that to only in your account; that will not beneficial for you as well
if I am earning $10000 per month it is bot necessary to stabe at same point till life
if anything will happen with me atleast my children will not have to sacrifice
we are not saying anything negative but these all things are true; we don't have any idea in trucking
so please make this thing as a backup
I request to all of my brothers and sisters who are listing to me
if your husbands are not watching this video then show them
sister, truck drivers often earn around $8-10k per month
right they are making even we drink a coffee of $100 per month
you are doing this insurance for your family as well - obviously
even we all work for our family- if you want no one wants
if in case you are no more with them they have to depend on others
why not make themselves independent
so take coverage for your liabilities, for education of your children
this is a big blessing for your family
on that time they have emotionally and mentally not strong enough to do anything
here people have to think like in that moment they have to do work as well in harsh conditions
or maybe we have to sell our house - many people do that...
cars and houses are sold
if you all have done with this type of insurances then you don't need for anything - yes yes!
so keep this things in your mind
some more video will come with sister ask if any of your questions is not covered yet
tell me in comment box or message me in instagram
I answer everyone okay
so what is your other work we will discuss in next video as well -okay
and thank you for giving me enough time - thank you too
many of your viwers listin to us thank you all - obviously
if you are living here in Brampton then visit to sister I will give you all the address of her in discription
we are not taking money of advice
if you will tell my name so they will offer a coffee to you ass well _ yes for sure
okay we will meet in next video okay bye-