The monsoons had hit the city, but Amit simply refused to carry an umbrella or a raincoat which meant that he showed up to office soaking wet at least twice a week. On one stormy evening, it took him over 4 hours to get home. After walking through the torrential downpour, Amit was unwell for almost a whole week. His colleague Sahil simply asked him, “Why would you even try doing something so silly?”
Amit’s boss, Mohan, was also thoroughly confused. Not only was one of his best employee constantly missing work as he was under the weather, but even on days when he did show up, he’d be cold, unable to focus, and couldn’t take client meetings. Amit’s story may be unusual, but walking around without any protection is far more common than you think. More often than not, we take everyday precautions and we’ll prepare for each season as it comes but rain is uncertain it can come especially when you are not well prepared.
As Amit spent his week at home, his wife desperately tried to reason with him. Amit’s wife in a distressed tone asked him, “What if something happen to you? What will I do? It’s not about an umbrella. It’s about you.”
Hearing this, Amit was taken aback for a while as he never thought of it that just because of his enjoyment his family will be in trouble. He has also not taken any step to protect his family from any future mishappenings.
We don’t think about what would happen if we were to meet with an accident. More often than not, we also fail to think about what would happen to our family members or spouses if we weren’t around to look after them anymore. The only thing that can financially protect us through whatever life throws our way is a term plan.
Amit said sorry to his wife and searched for a term plan online where he found that there is a term plan which not only covers him but also his wife and that is Edelweiss Tokio Life – Zindagi Plus. It is a policy which provides considerable life coverage at a nominal cost.
The USP of Edelweiss Tokio Life – Zindagi Plus is the ‘Better Half Benefit’. Under this, after the demise of the policyholder, a life cover will start in his/her spouse’s name. This will be 50% of the life cover of the policy holder, up to an amount of Rs. 1cr. The spouse won’t have to pay any premium and the nominee will also get the sum assured. A very important feature of this benefit is that it also covers housewives.
The feature of critical illness cover protects you against 17 critical illnesses. In Accidental Total and Permanent Disability, you’ll get the amount you have selected in case of a permanent disability caused due to an accident. This takes care of all your expenses and the policy continues as usual.
Knowing the basic features of a term plan will certainly enable you to buy a product as per your requirement, budget and financial objectives. Term plans bought at an early age will be the best financial decision which will keep you worry-free for the rest of your life and helps you to attain bigger financial goals in your life. It is always better to be safe and secure than sorry.
So make a safety shield for you and your family. Not for this monsoon but for every monsoon even when you are not around.