Term Insurance vs Life Insurance – Kaun sa Better Hai? (2025)
Aaj ke time me insurance lena zaroori ho chuka hai, lekin logon ko sabse badi confusion isi baat par hoti hai ki term insurance aur life insurance me difference kya hai aur kaun sa plan unke liye sahi rahega. 2025 me insurance policies aur options aur zyada advanced ho gaye hain, isliye sahi plan choose karna bahut important ho gaya hai.
Is article me hum term insurance aur life insurance ka complete comparison karenge, taaki aap asaani se decide kar sake ki aapko kaunsa plan lena chahiye.
✔ Term Insurance Kya Hota Hai?
Term insurance ek pure protection plan hota hai jisme policyholder ki death hone par family ko ek fixed amount (sum assured) milta hai. Is plan me koi maturity benefit nahi hota, matlab agar policy period complete ho gaya aur insured zinda hai, to koi paisa wapas nahi milta.
- Lowest premium insurance plan
- High coverage (₹50 lakh – ₹2 crore ya zyada)
- Best for people with limited budget
- Financial security for family
✔ Life Insurance Kya Hota Hai?
Life insurance protection + savings dono provide karta hai. Is policy me insured ki death par claim milta hai, aur agar policy term complete ho jaye to maturity benefit bhi milta hai.
- Death benefit + maturity benefit
- Premium term insurance se zyada hota hai
- Investment + insurance ek saath
- Long-term savings plan
🔥 Term Insurance vs Life Insurance – Main Difference
| Feature | Term Insurance | Life Insurance |
|---|---|---|
| Coverage Type | Pure protection | Protection + Savings |
| Premium Amount | Bahut kam (₹300–₹600/month) | High premium |
| Maturity Benefit | Nahi milta | Milta hai |
| Best For | Family financial security | Long-term wealth creation |
| Coverage Amount | Bahut zyada (₹1 Cr, ₹2 Cr) | Moderate |
| Tax Benefit | 80C + 10(10D) | 80C + 10(10D) |
✔ Term Insurance Ke Fayde
- 1. Lowest premium – India me sabse sasta insurance plan.
- 2. High sum assured – Kam premium me ₹1–2 crore tak coverage.
- 3. Family security – Income loss cover karta hai.
- 4. Simple policy – Koi investment confusion nahi.
- 5. 100% tax deduction
✔ Life Insurance Ke Fayde
- 1. Maturity benefit – Policy khatam hone par paisa wapas.
- 2. Long-term savings – Wealth creation ke liye perfect.
- 3. Guaranteed returns
- 4. Risk-free investment
- 5. Children education planning
✔ Term Insurance Kisko Lena Chahiye?
Ye un logon ke liye best hai jo chahte hain ki unki death ke baad unke family ko financial problem na ho. Agar aap ek earning member hai, to aapke liye term insurance must-have hai.
- Salaried people
- Self-employed
- Parents with kids
- Home loan ya personal loan wale people
✔ Life Insurance Kisko Lena Chahiye?
Agar aap long-term savings, guaranteed return aur future planning chahte hai to life insurance aapke liye sahi rahega.
- Students ke parents
- People saving for retirement
- Investment minded individuals
- Regular income plan chahne wale log
🔥 2025 Me Best Term Insurance Plans
- HDFC Click 2 Protect Super
- LIC Tech Term Plan
- Max Life Smart Secure Plus
- ICICI Pru iProtect Smart
🔥 2025 Me Best Life Insurance Plans
- LIC Jeevan Labh
- HDFC Sanchay Plus
- Tata AIA Sampoorna Raksha
- ICICI Guaranteed Income Plan