Life insurance hi sorkar hnathawk leh sumdawng ho tan chauh emaw tia ngaihsak reng reng lo kan tam khawp chuan ka hria. Sorkar hnathawk chuan a life insure miah lovin thihna tawkin lo vanduai ta pawh nise, GPF, leave salary leh family pension a chhung te'n an la thei dawn thova. Sumdawng pawh a chhung te'n a sumdawnna an chhunzawm thei tho va. Kut hna thawka eizawng thin a boral erawh chuan a chhungte hnutchhiah tur a nei ve lo. Kan unaupa pawh mistiri thiam tak a ni a, a that vanglaia hna a thawh theih lai chuan sum pawh a la lut tam. A nupui leh a fa te'n rual an awt bik miah lo. Mahse a vanduai a, a boral ta hlauh mai. A nupui leh a fate pahnih la naupang tak tak te chu an khawngaihthlak khawp mai. A damloh laiin an sum neih ve chhun ang ang an hmanral vek tawh bakah mi pawisa an la ba nual leh nghal. Amah ber a boral a, sum engmah hnutchhiah tur a nei si lo, lusun mangan tawh mai bakah retheih chiah an hmabak ta. An khawngaihthlak kher mai. A fa te ka en a, ka rilru an ti na lutuk. Pa neilo chu an ni ta mai si a le. A that lai leh hna a thawh theih lai khan tlem tham deuh hlek pawhin life insurance te kha lo lei ve hram hram ta se chuan, sum tlemte tal hnutchhiah tur a nei tur hi a nia aw.... Life insurance hi thingtlangpa tan te, nitin hnathawka eizawng tan te hian a lo pawimawh zia ka hrechhuak ta.
Nitin ram chhuaka kut hnathawk thin te, mi hnuaia inhlawh thin te, labour te, te ho hian accident thut leh intihpalh ilo fahran tawrh theihna chance an nei sang bik hle a, chuvangin life insurance ah pawh accident claim hi ti tel thei se a tha khawp ang. Tunah hian Post Office ah Post Office Saving Bank account nei ho tan Rs 15 lek sengin kum khat chhung atan accident insurance a tih theih reng. A that ka ring tlat. Eng hnathawk pawh ni ila, kan hna a sang emaw a hniam emaw, life insurance hi chu kan mamawh vek a ni.
Life insurance hi keimahni tan ani lo tih hriat a tha. Thihna kan lo tawh thut pawha kan hmangaih em em kan nupui-fanau te baihvai taka an awm loh na tura hma kan lak ve theihna awm chhun ani tih hi, keini ho hi chuan kan hre tlangin ka hria a; kan unaute, kut hnathawka eizawng thin te hian life insurance pawimawh zia hi hre mawlh rawh se.
Life insurance hi keimahni tan ani lo tih hriat a tha. Thihna kan lo tawh thut pawha kan hmangaih em em kan nupui-fanau te baihvai taka an awm loh na tura hma kan lak ve theihna awm chhun ani tih hi, keini ho hi chuan kan hre tlangin ka hria a; kan unaute, kut hnathawka eizawng thin te hian life insurance pawimawh zia hi hre mawlh rawh se.
Tunlaiah mi tam takin life insurance hi sum peipunna emaw an ti thin. Sum dah that emaw, tlem tlema dah khawl duh tan chuan saving bank leh recurring deposit hi a tha khawp a; sum peipung duh tan chuan mutual fund leh online trading te hi an tha. Life insurance erawh thil dang daih a ni a, ngaih pawlh chi pawh a ni chiah lo. Kum thum hnuah a letin a pung thei tih ang chi te phei hi chu e, life insurance nen a inper san lutuk; tlanchhiat san a him ber.
Nitina kuthnathawka eizawng pakhat chuan a thenawmpa hnenah "Kum 60 ka tlin thlengin, thlatin bahlah miah lovin Rs 295 ka pe char char ang chia, tichuan kum 60 ka tlin veleh ka pek tawh zawng zawng che tling khawm bakah a pung nen min pe let leh vek la. Eng hunah pawh lo boral palh ta ang ila, ka chhungte hnenah Rs 100000 lo pe ang che," ti ta se. A thenawmpa chuan a duh ang em? Hei hi life insurance chu a ni.
Chhungkaw chawmtu ber leh hnathawktu ber a lo boral hian, chhungte tan hmabak a thim hle a. Thlatina a sum lo lakluh thinte kha a tawp hmak tawh dawn si. In luah man, tui bill, electric bill, buhfai, chawhmeh, thuamhnaw, naupang sikul kalna atana mamawh chi hrang hrang pawh a pangai rengin a hautak reng dawn bawk si. Ei awngtu pa ber damlaia an mamawh ang awng zawng kha an la mamawh vek bawk si. Engtin nge a chhungte an lo awm tak ang le? Tu in nge chawm ta ang a, tu in nge chhungkua enkawl zui ta ang? Midangin maw? Midangte chuan anmahni chhungkua, nupui, fanau te enkawl tur an nei dawn asin. Inunauna avanga chaw in chhum kep mai chu thil har a ni lo mai thei, sikul tha ber ber fate indah kep chu a harsa talh tawh ang. Sumdawnna lam han ti ve ngawt dawn se bul tanna tur sum a ngai tam si. Sumdawnna tenau tala bul tan ve theihna tur khawp insurance kan lo nei anih hlauh chuan kan nupui leh fa te tan a va hlu dawn tak em. Life insurance ah kan luman Rs 500,000 vel tal kan nei thei anih chuan, kan thihsan tak kan chhungte'n sumdawnna tur atan tal bul tanna an lo nei ve thei ang a, tichuan rethei berh lutuk leh kutdawha miina lut lawr mai mai lo tur leh, kan fate mi hmuhsit mai mai an lo chang mai tur lak atangin kan chhanhim thei dawn a lo ni.
Tin, life insurance kan lei dawn anih rau rau chuan, agent te fak mawi satliah apiang kha lei loh tur. Lo thi boral palh ta ila, ka chhungte tan a eng hi nge hlawk ber ang tih hi ngaihtuah hmasak ber tur. Thih thut thla veng atan chuan term insurance a tha ber a, a hlawk ber a, a man a tlawm ber bawk; mahse kan dam anih chuan motor insurance ang deuhin pawisa hmuh let a awm ve lo. Insurance tih hma in accident benefit te, sum raider benefit te, waiver benefit te, permanent disability benefit te, uluk taka zir chian hmasak tur a ni. Insurance document uluk taka vawn fel thlap tur a ni a. Premium hi agent te kut ah pek loh tur. Mahni ngeiin office lama submit tluk a awm lo. Tunlaiah internet kan hmang lar zel tawh a, online hmanga premium pek a awlsam khawp mai. A tawp ber ah chuan dam hi a hlu ber a, hlawk tum ranin insurance tih loh tur; "ka lo boral thut palh takin...." tih rilru pu chungin life insurance nen inremsiamna sign chauh tur.
Life insurance lam pang ziak ve tur hian financial planner ka ni lo va, life insurance agent ka ni bawk hek lo. Kan unaupa thihna hian thingtlangpa tan pawha life insurance lo pawimawhzia min hriat chian tir ta hle a; chu chuan hetiang thu hi ziak lo thei lovin min siam ta anih hi. Ka thuziak hi in hriat hnu vek a ni hlawm ang tih hre rengin inthlahrung tak chunga ka ziak a ni. Tunlaiah thingtlang kilkhawr tak atang pawhin gprs hmangin miin internet an lut zung zung thei tawh a, chuvangin thingtlang lam ami te pawhin engtik ni ah emaw chuan an lo la chhiar ve mahna tiin ka han ziak ve mai a ni e.
Nitina kuthnathawka eizawng pakhat chuan a thenawmpa hnenah "Kum 60 ka tlin thlengin, thlatin bahlah miah lovin Rs 295 ka pe char char ang chia, tichuan kum 60 ka tlin veleh ka pek tawh zawng zawng che tling khawm bakah a pung nen min pe let leh vek la. Eng hunah pawh lo boral palh ta ang ila, ka chhungte hnenah Rs 100000 lo pe ang che," ti ta se. A thenawmpa chuan a duh ang em? Hei hi life insurance chu a ni.
Chhungkaw chawmtu ber leh hnathawktu ber a lo boral hian, chhungte tan hmabak a thim hle a. Thlatina a sum lo lakluh thinte kha a tawp hmak tawh dawn si. In luah man, tui bill, electric bill, buhfai, chawhmeh, thuamhnaw, naupang sikul kalna atana mamawh chi hrang hrang pawh a pangai rengin a hautak reng dawn bawk si. Ei awngtu pa ber damlaia an mamawh ang awng zawng kha an la mamawh vek bawk si. Engtin nge a chhungte an lo awm tak ang le? Tu in nge chawm ta ang a, tu in nge chhungkua enkawl zui ta ang? Midangin maw? Midangte chuan anmahni chhungkua, nupui, fanau te enkawl tur an nei dawn asin. Inunauna avanga chaw in chhum kep mai chu thil har a ni lo mai thei, sikul tha ber ber fate indah kep chu a harsa talh tawh ang. Sumdawnna lam han ti ve ngawt dawn se bul tanna tur sum a ngai tam si. Sumdawnna tenau tala bul tan ve theihna tur khawp insurance kan lo nei anih hlauh chuan kan nupui leh fa te tan a va hlu dawn tak em. Life insurance ah kan luman Rs 500,000 vel tal kan nei thei anih chuan, kan thihsan tak kan chhungte'n sumdawnna tur atan tal bul tanna an lo nei ve thei ang a, tichuan rethei berh lutuk leh kutdawha miina lut lawr mai mai lo tur leh, kan fate mi hmuhsit mai mai an lo chang mai tur lak atangin kan chhanhim thei dawn a lo ni.
Tin, life insurance kan lei dawn anih rau rau chuan, agent te fak mawi satliah apiang kha lei loh tur. Lo thi boral palh ta ila, ka chhungte tan a eng hi nge hlawk ber ang tih hi ngaihtuah hmasak ber tur. Thih thut thla veng atan chuan term insurance a tha ber a, a hlawk ber a, a man a tlawm ber bawk; mahse kan dam anih chuan motor insurance ang deuhin pawisa hmuh let a awm ve lo. Insurance tih hma in accident benefit te, sum raider benefit te, waiver benefit te, permanent disability benefit te, uluk taka zir chian hmasak tur a ni. Insurance document uluk taka vawn fel thlap tur a ni a. Premium hi agent te kut ah pek loh tur. Mahni ngeiin office lama submit tluk a awm lo. Tunlaiah internet kan hmang lar zel tawh a, online hmanga premium pek a awlsam khawp mai. A tawp ber ah chuan dam hi a hlu ber a, hlawk tum ranin insurance tih loh tur; "ka lo boral thut palh takin...." tih rilru pu chungin life insurance nen inremsiamna sign chauh tur.
Life insurance lam pang ziak ve tur hian financial planner ka ni lo va, life insurance agent ka ni bawk hek lo. Kan unaupa thihna hian thingtlangpa tan pawha life insurance lo pawimawhzia min hriat chian tir ta hle a; chu chuan hetiang thu hi ziak lo thei lovin min siam ta anih hi. Ka thuziak hi in hriat hnu vek a ni hlawm ang tih hre rengin inthlahrung tak chunga ka ziak a ni. Tunlaiah thingtlang kilkhawr tak atang pawhin gprs hmangin miin internet an lut zung zung thei tawh a, chuvangin thingtlang lam ami te pawhin engtik ni ah emaw chuan an lo la chhiar ve mahna tiin ka han ziak ve mai a ni e.
Hotupa: i ti tha thei hle mai, i thahnemngaihna hi a ropui ka tia, mahse ka la duh khawp lo cheu!! A mamawh tak tak (kuthnathawkte)te'n an lo hman tangkai theih nan Chanchinbu lamah hian tarlan dan a awm lo maw. I rin aiin hetiang lamah hian mipui nawlpui hi kan la ngawng a nia, 'tui mal far te te...' hi kan la hrethiam tak tak lo nge ka taimakna in a la tlin lo zok pawh ka hre lo.
ReplyDeleteChanchinbu lama ziak tur chuan ka la inpeih rih lo a ni e. Ka blog ah hian thu fahrah te te hi tihian ka han ziak ve rih mai mai ang a, inzirna te a ni pah zel bawk ang a; nakin ah confidence ka neih hunah chanchinbu lamah te chuan kan la ziak ve ang chu.
ReplyDeleteTunah khan confi mai teh. he thu hi chhiar ve se tangkaipui tak tak an awm teuh ang chu.
ReplyDeletemi chanchin han sawi hi a nuam vak lo na a, han sawi ta mai mai ila. chhungkaw pakhat chu funiture vel siama eizawng thin an nia, khawsak pawh an khawsa ve thei. Mahse vanduaithlak takin an pa berin a boralsan hlauh mai a; kar loah an tlachhe nghal, an fate zingah sualsuah rawngbawl ching an awm zui bawk nen hmuh hrehawm khawp an ni. I thil post ka chhiar hian kha mite chhungkua kha ka hrechhuak zawk mai, i ziah chhan a nih chu ka ring si lo.
@dawldang: Khitiang chhungkua khi kan ramah an tam asin. Pa berin ei a zawn theih laia chhungkaw nuam tak leh rualawt ngai lo; pa ber a han boral ta a, chhe ta rawih rawih hi an tam khawpin ka ring.
ReplyDeleteDam leh hrisel that vanglai hi chuan thi thut tura in ngaihtuah lawk hi a har ka ti thin. Kei chhungkaw ei zawngtu ber, ka fa te rualawt lova siam hram hram tum thintu hi lo boral ta ila, tia ka ngaihtuah chang hian life insurance pawimawh zia hi ka hrechhuak nawn fo thin.
comment tlai khawhnu tun lai chu premium tlem te te a pek theih ang kha vang tawh lutuka
ReplyDelete@Anonymous: Comment tlai lah lo ve. I lo tel ve a, ka lawm khawp mai. Premium tlemte tea pek chi chu Endowment te, Money back guarantee te leh term insurance te a awm. Agent ho hi chuan an hlep thatna ULIP product ho an fak mawi thei khawp mai. Thingtlangpa tan chuan Rural Postal Life Insurance hi a tha ve khawp in ka hria.
ReplyDeleteAva bengvarthlak vele....
ReplyDelete@dr angel: Ka lawm e.
ReplyDeleteI ziak tha khawp mai, mi mawl ber pawh ina chiara fiah kawk in i ziak a, tam tak in an hlawkpui ngei ka besei, ziak zel turin ka suhsakna ka hlan a che,.
ReplyDelete@Hmelthatea: I mi duhsakna tihhlawhtlin ngei a chakawm khawp mai. Ka tuina subject a ni si lova, ziak belh tur ka hre tawh lovang tih ka hlau khawp mai. Engpawhnise, i mi fakna thu hian min tihlim khawp mai. A hma aiin i hmeltha sawt e.
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