Nidang leh tulai ale i thansak mahmah uh LIFE INSURANCE bangtak hi ahia chih saulou in houlim zual le... Life Insurance Policy khat pepeuh lei nakichih chiang in, Life Insurance Company te’n hunchiam khat sung a sum khateng/kumteng in hiai zah hon pe toutou inla banghiam chi a sihna, zawngkhalna, ahihkeileh tuahsiatna bang natuah zenzen leh kou sum hiaizah kon pe di uh, chi a sum bikhiahsa khat honchiam uh, huai dungzui a nang leh a insurance company-te’n kithukimna suai kai na hilel uhi. Huailou lam daih ah enle, insurance company-te’n kou kiang ah na ngap zahzah sum kum hiai zahsung hon koih toutou inla, akum beichiang in kou na sumpi leh apung kilawm tham kon pe di uh, aihkeh na sum konna peipung sak di uh hon chihna utoh leng kibang hi. Himahleh, na policy a tuam dungzui in na kilemsak tuahdan uh leng kilamdang zel ding hi.
I gam a khantouh dungzui in life insurance hi thil poimoh mahmah khat hong suakta hi. Mihing khatpeuh in life insurance poimoh vek ihi chileng khial din ka kigingta lawmlawm kei. Insung khat a summuhna nei nangkia nahih zawk mahleh, life insurance na poimohna alian biik ding hi. Aziak ahihleh, banghiam vangsiat ziak a sihna bang tuakphut hilechin, na tate, na sungte bang chi di? Ahi alah life insurance hoihtak khawng ana lei khinsa na hih inchu na tate leh na sungkuante a khongaih huaivak kei di uh chihna himai ahi. Life insurance in atup pipen ahihleh nang omlouhphut nung ale, na inkuante kiningching tak in ana omtei le uh chih ahi.
Tulai insurance company-te’ thansak mahmah ahihleh sum peipung na di toh ahon thuah ta ua, etsakna di’n pension neilou-te adia pension plan bang, tate college kaina dia poimoh zah fee bangchi muh di chihbang, aihkeh na sumkoih khiak zahzah leh apung na muh kik ban ah tuahsiatna bang natuah zenzen leh na sum muh di bikhiahsa chih bang tampi in ahon khenta uhi.
Ahihleh life insurance cover bangzah ka poimoh a? Mi khenkhatte’n na loh zahzah mun nga a tuat achi ua. Hilehleng hiai anuai a formula I zat leh dikpen ahi. Hiai formula ana zang inla insurance cover bangzah na poimoh chih ana en himhim mah dih le.
M = Na Monthly income (tax cut zoh nung)
M1 = M /(100 - t)% (t = tax rate)
A = (M1) x 12
C = A/(r%) (r = rate of interest)
Insurance cover na poimoh zah =(C) - (na neih lellel za) Neih lellel na neih keileh na poimoh zah C chih na himai.
A sum ahihleh khateng inle piaktheih a, kumkhat a nih vei piak or li vei piakle a suahtheih ban ah, khatvei thu in alom inleng piak theih hi. Insurance policy himhim nalak di leh kumkhat a piak bei pah a kiman zawsek hi. Aziak - kumkhat adi napiak vek chiang in 100 ah 3% honkiam ding ua, nihvei piak na suah leh 100 ah 1.5% honkiam ding uhi. Ahi a, khateng a na piakthoh leh 100 ah 5% nang apat hon lehlak maimah didan uh ahi. Insurance policy kichi himhim na leibaih leh kiman, na leihak leh mantam ahi. Na upat deuhdeuh leh mantam deuhdeuh chihna ahimai.
Life insurance-te’ investment lampang ennawn lehang.
- - - - - - - - - Bank - FDs - NSC - PPF - KVP - Life Insurance
Income tax rebate - YES - YES - YES - NO - YES
Maturity tax free - - NO - NO - YES - NO - YES
Insurance cover - - - NO - NO - NO - NO - YES
Interest rate - - - 7.5(SBI) -8% -8% - 8.4% - 8.3%
Insurance ahoihna mahmah ahihleh khateng/kumteng a saving dan hon kizil sak a, income tax save nading aleng zattheih, ban ah, na sumpi leh na sumpung na muhkik kia leng hilou in na sum koihsung na tawm inle vangsiatna na tuahleh hon enkai touvek gige thei hi.
Mihing i tuam dungzui leh i sepna banah i loh a tuam dungzui in, insurance cover leng i poimoh zah tuam chiat hi. Hiai atung a kigen Insurance toh kisai ban ah, Mutual Funds, Fixed Deposits, Post Office Savings, PPF, NSC toh kisai theihsiam louh, aihkeh theihbeh ut na neihleh jerytunglut@gmail.com or (M) 9278263667 ah chiklai peuh in na hon kachian thei gige ding.
[Siamsin Bulletin | February 28, 2010]
I gam a khantouh dungzui in life insurance hi thil poimoh mahmah khat hong suakta hi. Mihing khatpeuh in life insurance poimoh vek ihi chileng khial din ka kigingta lawmlawm kei. Insung khat a summuhna nei nangkia nahih zawk mahleh, life insurance na poimohna alian biik ding hi. Aziak ahihleh, banghiam vangsiat ziak a sihna bang tuakphut hilechin, na tate, na sungte bang chi di? Ahi alah life insurance hoihtak khawng ana lei khinsa na hih inchu na tate leh na sungkuante a khongaih huaivak kei di uh chihna himai ahi. Life insurance in atup pipen ahihleh nang omlouhphut nung ale, na inkuante kiningching tak in ana omtei le uh chih ahi.
Tulai insurance company-te’ thansak mahmah ahihleh sum peipung na di toh ahon thuah ta ua, etsakna di’n pension neilou-te adia pension plan bang, tate college kaina dia poimoh zah fee bangchi muh di chihbang, aihkeh na sumkoih khiak zahzah leh apung na muh kik ban ah tuahsiatna bang natuah zenzen leh na sum muh di bikhiahsa chih bang tampi in ahon khenta uhi.
Ahihleh life insurance cover bangzah ka poimoh a? Mi khenkhatte’n na loh zahzah mun nga a tuat achi ua. Hilehleng hiai anuai a formula I zat leh dikpen ahi. Hiai formula ana zang inla insurance cover bangzah na poimoh chih ana en himhim mah dih le.
M = Na Monthly income (tax cut zoh nung)
M1 = M /(100 - t)% (t = tax rate)
A = (M1) x 12
C = A/(r%) (r = rate of interest)
Insurance cover na poimoh zah =(C) - (na neih lellel za) Neih lellel na neih keileh na poimoh zah C chih na himai.
A sum ahihleh khateng inle piaktheih a, kumkhat a nih vei piak or li vei piakle a suahtheih ban ah, khatvei thu in alom inleng piak theih hi. Insurance policy himhim nalak di leh kumkhat a piak bei pah a kiman zawsek hi. Aziak - kumkhat adi napiak vek chiang in 100 ah 3% honkiam ding ua, nihvei piak na suah leh 100 ah 1.5% honkiam ding uhi. Ahi a, khateng a na piakthoh leh 100 ah 5% nang apat hon lehlak maimah didan uh ahi. Insurance policy kichi himhim na leibaih leh kiman, na leihak leh mantam ahi. Na upat deuhdeuh leh mantam deuhdeuh chihna ahimai.
Life insurance-te’ investment lampang ennawn lehang.
- - - - - - - - - Bank - FDs - NSC - PPF - KVP - Life Insurance
Income tax rebate - YES - YES - YES - NO - YES
Maturity tax free - - NO - NO - YES - NO - YES
Insurance cover - - - NO - NO - NO - NO - YES
Interest rate - - - 7.5(SBI) -8% -8% - 8.4% - 8.3%
Insurance ahoihna mahmah ahihleh khateng/kumteng a saving dan hon kizil sak a, income tax save nading aleng zattheih, ban ah, na sumpi leh na sumpung na muhkik kia leng hilou in na sum koihsung na tawm inle vangsiatna na tuahleh hon enkai touvek gige thei hi.
Mihing i tuam dungzui leh i sepna banah i loh a tuam dungzui in, insurance cover leng i poimoh zah tuam chiat hi. Hiai atung a kigen Insurance toh kisai ban ah, Mutual Funds, Fixed Deposits, Post Office Savings, PPF, NSC toh kisai theihsiam louh, aihkeh theihbeh ut na neihleh jerytunglut@gmail.com or (M) 9278263667 ah chiklai peuh in na hon kachian thei gige ding.
[Siamsin Bulletin | February 28, 2010]
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