Term Insurance With or Without RETURN OF PREMIUM ? 🤔 | With Excel Calculation | Gurleen Kaur Tikku

The difference between a Term Insurance policy and a Term Insurance with return of premium (TROP) becomes apparent is when the policy matures.

At the time of maturity the insurer will return the entire premium paid by the policyholder towards the policy.
But is it always beneficial to choose the option of Return of Premium on Term Insurance?

In this video, we have explained the concept of Term Insurance with ROP & Without ROP with easy to understand excel calculations.

WATCH OUR VIDEO FOR MORE DETAILS :)

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✅ EXCEL SHEET : https://docs.google.com/spreadsheets/...
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✅ TIME STAMPS :-
0:00 Introduction of Return of Premiums
0:15 Example of With or Without ROP
2:26 Excel Calculations
5:46 SIP Investment Calculation
8:51 Without Return of Premium & SIP
9:17 Internal Rate of Return Calculation
10:30 Conclusion
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 17 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.