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In this eye-opening podcast, Abhishek Singh, the insurance expert at OneInsure, shares real-life stories that reveal the critical importance of insurance and its impact on families.

1️⃣ The Suicide Story: A colleague's tragic suicide highlights how term insurance secured his middle-class family’s future.

•⁠ ⁠Insurance Insight: Suicide is covered under term insurance after the first policy year. The waiting period exists to prevent misuse and ensures claims for genuine cases.

🤔 Why It Matters: Starting insurance grants affordable premiums and protects your family during life’s worst crises.

2️⃣ The Fraud Story: A client hid his bone cancer, leading to a rejected claim and reputational damage.

•⁠ ⁠Insurance Insight: Full disclosure of medical history is non-negotiable. Insurers conduct rigorous investigations during claims. Hiding details may lead to rejection under the principle of "utmost good faith"—a cornerstone of insurance.

🤔 Why It Matters: Transparency protects your family from unexpected claim denials when they need support the most.

3️⃣ The 3.5 Cr Cover Story: A wealthy businessman underestimated his insurance needs, leaving his wife struggling with debts and losing their lifestyle.

Insurance Insights:
•⁠ ⁠Adequate Coverage: Insure for at least 10x your annual income or consult experts to calculate liabilities, lifestyle needs, and inflation-adjusted future expenses.
•⁠ ⁠Married Woman Property Act (MWPA): By opting for MWPA, insurance proceeds are legally protected for the wife and children. Creditors and banks cannot claim this amount.
•⁠ ⁠Debt Prioritisation: Without MWPA, insurance payouts first clear debts, leaving little for the family’s survival or future.

These real-life cases are a wake-up call for anyone delaying or mismanaging their insurance. Whether you’re just starting out or a seasoned professional, these lessons can safeguard your family’s future.

Note: Stay tuned for more episodes where we’ll offer solutions to navigate insurance challenges. Follow us for more updates!

Buy insurance or get free advice now :- www.oneinsure.com/assistance/talk-to-an-advisor

#Abhishek Singh CDO of OneInsure

Instagram : /   / uncoverwithabhishek  
LinkedIn : /   / abhishek-singh-68a8a617  

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