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Term insurance plans are deemed to be one of the best forms of life insurance because of the high cover they offer at affordable rates. For instance, a person who is 30 years old must pay just 700 or 800 bucks a month to cover one crore for 30 years. That’s like spending on watching one movie with friends. Although cost is the most important factor when considering buying insurance, it is, however, not the only factor. With that said, let’s try and go over a few other important deciding factors for buying term insurance policies.
The size of the cover
The size of the cover is one other most important deciding factor for buying insurance. If the insurance you buy does not assure sum that’s large enough to cover all expenses such as any basic expenses that you and your family may incur and other crucial expenses like those arising from your children’s education or marriage. One other thing to note here is that, not only should the term insurance policy cover your expenses, they should be able to cover your liabilities as well. Liabilities can be anything including debts and loans. Big borrowings such as home loans should also be covered.
The cost of the insurance is usually not very high, especially if you start at a very early age. In fact, for all those young buyers out there, the cost for covering an insurance of Rs. 1 Crore for themselves for 30 years from the date at which they buy will be no more than that of a soft drink. When considering the cost of insurance, one should also keep in mind their family’s and their own lifestyle and should envision how this lifestyle changes over the course of a few years.
With each different stage of life comes different responsibilities. For example, a person who is single may have very different responsibilities than the one who is married or one who has kids to care for. But most people would rather go for a vanilla term insurance which is not spiced up than one which would cover a little extra for them, such as an accidental death benefit.
This should not be the case, however. Especially if you have the means to buy that extra coverage. Many people may have heard that they could be covered by insurance for all those major, critical illnesses. This is not true. Health insurance covers only for hospitalization and doesn’t necessarily cover the medical expenses incurred for the treatment of major illnesses.
Tips to choose the best term insurance plan
When buying life insurance, there are plenty to choose from. But the question is, how does one choose something that best befits his needs? It’s very simple in fact. There are some key factors you will need to consider before buying term insurance.
- Value for human life
When you buy term insurance, you expect that you are covered for any major expenses that you tend to incur sometime in your life. Also, your family members will be covered financially, in the case of your absence. Therefore, the term insurance you choose must provide adequate cover. Else, it may not be worth your money. There is a term in insurance that’s used for this kind of thing, and it is called as value for human life.
The human life value or HLV is simply the individual’s income and his loans and liabilities put together. So, the term insurance you choose must have a high HLV, which is the basis of any term insurance.
- Rider benefit
Those term insurances that are deemed to be the best are the ones that cover all aspects. Likewise, it would be an additional benefit for the said insured person, if the term insurance comes along with a rider. A rider is something that provides benefits in addition to the primary policy. For example, let’s say that the insured has a critical illness. Then, he can receive the sum assured, in addition to being diagnosed with the same.
So, just as in that case, there are many such instances where riders can prove to be beneficial. These instances include cover for the loss of employment, cover for a premium waiver, cover for permanent disability, etc.
- Cover enhancement
One of the main features that the term insurance should have is that it should be flexible for enhancement of coverage during those critical stages of the life of the policyholder. For example, the coverage could be enhanced as much as by 50 percent during the policy holder’s marriage or by 25 percent during the time the policyholder becomes a parent.
This not only allows the policyholder to start with a nominal cover but also allows them to increase the cover over time, as their responsibilities and their income increases.
- Cover convenience
Among all the life insurances that are present out there, term life insurance is regarded as the best and most innovative. This is because, one, the premium extension rates have been reduced considerably. And two, buying the term insurance could have never been easier now thanks to the internet. Also, it is now possible to buy term insurance online, without having to go through various medical tests for term plan.
Life is indeed very important. And if life is important to you, then ensuring your life with a term plan should be equally important. Term insurance not only brings you money but also keeps your family safe by making them stay financially afloat in case of your absence. However, you should always keep in mind that you should be extra careful when buying insurance and not succumb to peer pressure. This is because, if you are reckless in buying insurance, it could cost you big time later in your life.
By- Robert James
More and more sports betting sites are appearing on the Internet. They are especially popular in India due to the prevalence of cricket. Users from this country constantly use the services of sports providers and have the right to choose the best.
In our article, we will tell you about betting sites with bonus - you can find the best online betting sites that offer good conditions, including a profitable welcome bonus.
Welcome bonus - what is it?
In our article, we will tell you about the best betting sites in India that offer good conditions, including a profitable welcome bonus.
How to get it?
There are two types of welcome bonuses - deposit and no deposit. The second option is issued simply immediately after registration.
The deposit bonus is the most popular type of promotion. It is issued subject to 2 conditions: registration and deposit. It is often necessary to enter a promo code. After that, the bonus funds will be automatically transferred to your game balance.
Top-10 best sites with good welcome bonuses
The deposit bonus is the most popular type of promotion.
Also, we would like to introduce you to our top 10 online betting sites. Each of the bookmakers has its bonus system. Just choose the one you like the most.
Opens our top ComeOn with an excellent offer for new players. Here you will double your first deposit to Rs 35,000.
Wagering requirement: 17x.
Minimum odds: 1.75.
This is one of the most famous platforms in India, which offers one of the most profitable bonuses. Your deposit will be increased by 170% to 16,000 rupees.
Wagering requirements: 15x.
Minimum odds: 1.50.
Another great option for players from India. The only minus is that the platform does not have a betting app. Here you will receive up to 15,000 rupees depending on your deposit.
Wagering requirements: 6x.
Minimum odds: 2.0.
An excellent platform for sports betting in India, as the bookmaker focuses on this country. Get up to 15,000 rupees as a gift for your first deposit.
Wagering requirements: 10x.
Minimum odds: 1.70.
Some platforms allow you to get many times more than you top up your balance. Fun88 will triple your deposit to 15,000 rupees.
Wagering requirements: 25x.
Minimum odds: 1.60.
One of the most famous platforms in the world that guarantees you security. It has many advantages, including a bonus for registration. Your deposit will be increased by 150% to 12,000 rupees.
Wagering requirements: 8x.
Minimum odds: 1.75.
22 Bet is a unique platform that has been promoting its services in India for a long time. It has thousands of regular users who appreciate its benefits. Among them is a welcome bonus. New players will receive an amount equal to their deposit of up to 10,000 rupees as a gift.
Wagering requirements: 5x.
Minimum odds: 1.40.
Another sports betting platform with the ability to get up to 10,000 rupees absolutely free. In addition to this bonus, you will find many weekly promotions for regular players.
Wagering requirements: 6x.
Minimum odds: 1.6.
Another global platform that offers its services in many countries. It is definitely reliable and safe, and also has a good bonus for new players. Get up to 10,000 rupees for sports betting as a gift.
Wagering requirements: 5x.
Minimum odds: 1.40.
A platform with excellent conditions for using bonuses. You don't need to make an effort to withdraw your winnings from bonus funds. Pure Win offers you to get up to 10,000 rupees.
Wagering requirements: 1x.
Minimum odds: 1.80.
How do we choose only reliable bookmakers?
In addition to the bonus system, other qualities are inherent in a good betting platform.
What are the features of the best betting platform?
In addition to the bonus system, other qualities are inherent in a good betting platform. Among them:
- A diverse payment system with fast transactions. Availability of currency and lack of monetary limits;
- Nice design and well-thought-out interface;
- Effective support service that can provide assistance at any time;
- Availability of a mobile application for iOS or Android, as well as a mobile version;
- The presence of positive reviews about the platform, including from players from India, as well as high ratings;
- A wide range of sporting events, including cricket;
- Mandatory availability of a license that allows you to provide services at rates, and so on.
If all these criteria are met, then the bookmaker is definitely a safe and excellent option for the game.
Which sports betting platforms have the best bonus offers?
We recommend using only reliable betting sites. Among them, the best bonus systems have such bookmakers as
How do I get a bonus for new players?
Just register on the website and make your first deposit. Sometimes you may need to enter a promo code.
How to choose the top betting platform in India?
Study the site according to some criteria: the availability of a profitable bonus system, licenses, beautiful design, thoughtful interface, convenient payment system, effective support service, and much more.
Which bookmaker has the best conditions for using the welcome bonus?
In our rating, this is Pure Win, where the wagering requirements are 1x.
(Disclaimer: This is a commercial article and includes some commercial links.)
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By- Kevin Sumalinog
The Best Qualities to Look For in a Criminal Defense Attorney
No one wants to find themselves facing criminal charges. However, if you have found yourself in this position, hiring a criminal defense attorney to represent you is one of the best things that you can do for yourself. While a court-ordered attorney will be appointed to you if you cannot afford an attorney on your own, the court-ordered attorneys, also commonly known as public defenders, are often overworked and tasked with handling a lot of cases. There are many benefits associated with hiring your own criminal defense attorney, when possible.
For most people, being charged with a crime and having to hire a criminal defense attorney is not something that they do many times in their lives. As such, they may be unsure of what qualities they need to look for when they are looking to hire a criminal defense attorney. Whether you are looking to hire an attorney for yourself, or for a loved one who has found themselves in trouble, here are a few of the best qualities to look for as you start your search for a criminal defense attorney.
One of the first factors that you need to consider when you are looking for a criminal defense attorney is their education. When you are asking an attorney about their education, you want to ask about where they went to college and what they majored in, as well as asking about what law school they attended. It is also acceptable to ask what GPA they had in law school, if they interned with specific lawyers and what the specialties for those lawyers were. Basically, you want to learn about the attorney and find out about what education they had that makes them qualified to be your attorney.
Some lawyers specialize in criminal law because they had family members who have been through the justice system.Pixabay
Why They Specialize in Criminal Law
One of the qualities that many people overlook when they are picking a criminal defense attorney is why the attorney specializes in criminal law. Some lawyers specialize in criminal law because they had family members who have been through the justice system, or they want to truly help those who are accused of crimes. A great criminal defense attorney should have a passion for the criminal justice system and helping those who have been accused of a crime. Asking an attorney why they decided to focus on criminal law can help you gain insight about what drives or motivates the attorney you may be looking to represent you.
The Type of Experience They Have With Law
It is not uncommon for an attorney to dabble in different types of law. For example, an attorney can offer criminal defenses, but also help with family law cases. Some attorneys focus on what part of the law, while others focus on different areas. One of the questions that you should ask when you are looking to hire a criminal defense attorney is what experience they have with the law. Have they worked as a family law lawyer and just recently started handling criminal cases or have they handled only criminal defense cases for their entire career? It is also not uncommon for criminal prosecutors to switch over and start handling defense cases. Asking an attorney about their experience is a great way to learn more about a lawyer's expertise and how much experience they have handling criminal defense cases.
The Experience They Have With the Type of Case You Are Charged With
Asking an attorney how long they have been handling criminal defense cases can help you determine how much expertise they have with criminal cases in general. However, as you are looking to hire a criminal defense attorney to represent you, you want to take the time to ensure the lawyer has the skills to properly mount a defense and help you. Always ask a criminal defense attorney what their experience is with the type of case that you were charged with. For example, if you were charged with murder, ask the lawyer how many murder cases they have helped on or been a criminal defense attorney for in the past. This is a great way to determine if they have the expertise to assist with cases pertaining to the specific type of crime you are charged with.
Their Track Record For Cases Such As Yours
In addition to simply asking how many cases a criminal defense attorney has handled that are similar to yours, ask what their specific track record is for those cases. For example, if an attorney has handled 20 drug cases, ask them how many of those cases he had his client pled guilty or no contest to, how many cases his client pled guilty to lesser charges for, how many cases were taken to trial, and how many cases were won or lost at trial. Asking an attorney about their track record with cases such as yours allows you to see if an attorney is likely to advise you to take a plea deal or whether they can win a case if it goes to trial. It is important to understand that no two cases are the same, so you should not expect the same outcome as other clients, but most attorneys have a track record that gives you a general idea as to what they advise their clients to do.
If you were charged with murder, ask the lawyer how many murder cases they have helped on or been a criminal defense attorney for in the past.Pixabay
How Much Experience They Have In the County Your Charges Are In
One of the qualities that is often overlooked when looking for a criminal defense attorney is asking the lawyer how much experience they have handling criminal cases in the county that your charges stem from. Believe it or not, but criminal defense attorneys work hand-in-hand with prosecutors and judges every single day. A great criminal defense attorney will know what types of plea deals one prosecutor may accept or what types of plea deals one judge may accept. Prosecutors and judges work for specific counties, so having a criminal defense lawyer who is experienced in the county where your charges stem from can help when it comes time to negotiate a potential plea deal or when determining what the attorney may or may not be able to get away with in the court room.
How Well You Can Communicate With the Criminal Defense Attorney
Communication between the party charged with a crime and a criminal defense attorney is so important. A defendant needs to be able to communicate well with their attorney and trust their attorney. Some people simply do not get along well together or do not communicate well together. While an attorney may be great, if their methods of communication do not align with yours, or you simply do not feel comfortable when you are talking to them, they may not be a great fit to be hired for your attorney. You want to find an attorney who puts you at ease, makes you feel comfortable and allows you to openly and honestly communicate about what you are thinking, feeling, and the details surrounding the charges that you have been charged with.
The Criminal Defense Attorney's Fees
In a perfect world, money would be the last thing that you would have to worry about when hiring a criminal defense attorney. Unfortunately, the world is not perfect and money is a huge concern for many people, especially if they are potentially looking at jail time. If you are looking to hire a criminal defense attorney, you need to ask the attorney or law firm about their fees. Find out if they charge a flat fee to represent you, or charge by the hour. Some attorneys will accept payment plans, while others will make you pay upfront. Always talk to the attorney in depth about their fees, what they expect the costs to be for the entire case, and what potential payment plans or payment arrangements they may be willing to accept.
What Past Clients Have to Say About Working With the Criminal Defense Attorney
Anytime you are looking to hire an attorney, including criminal defense lawyer, you need to take the time to see what past clients have to say about the attorney. The Internet has made this easier to do than ever before. You can simply type in the lawyers name and then read reviews on multiple websites. While no attorney is going to be able to please all clients, you need to consider issues that seem to pop up over and over again in reviews. For example, if multiple reviews mention not being able to get ahold of an attorney, you know that communication may be an issue. On top of this, talk to people who are currently using the lawyer. Ask them if they are happy with the lawyer and if they would recommend the lawyer. Be wary of a lawyer that does not have any feedback and will not allow you to talk to any of their past clients.
If They Are Sympathetic and Compassionate
Being arrested and charged with a crime is embarrassing for most people. A great criminal defense attorney should understand that this is a trying time in your life, one of which you are not proud of. They should not berate you or make you feel bad. They should be compassionate about the position you are in and sympathetic to the worries, fears and anxieties about jail, trials or the future that you may have. If an attorney seems to be unsympathetic or is not caring, you may want to avoid that attorney. There are plenty of lawyers to pick from, and you need someone who can answer your questions, put you at ease and help you to understand things in a kind and compassionate manner.
Lawyers should have secretaries or legal assistants who can help to answer questions about your case, should any arise.Unsplash
How Communication Works With The Attorney and Their Office
A great criminal defense attorney has a system or routine. They may be in court most of the day defending clients, but they should also have secretaries or legal assistants who can help to answer questions about your case, should any arise. Always ask an attorney before you hire them how communication works within their office. Is there someone who will email you back if you have a question? Is there a specific timeframe the office has for returning phone calls? If you ever find yourself needing to immediately get a hold of your lawyer, is there a way to get a hold of him? The last thing you want to do is to hire an attorney and then find out they are nearly impossible to reach via phone, text or email. Asking this question and looking for this before you hire the attorney helps you to understand more about their communication process and how quickly the staff will get back to you.
Confidentiality and the Lawyer
You need to be able to trust your lawyer. A great lawyer will keep what you tell them confidential. This means that if your family is paying for an attorney, the attorney will not disclose what you tell them to your family. Always ask a lawyer about their confidentiality policies and what they do to keep details about your case private.
Who Will Be Handling Your Specific Case
The final bit of information that you need to consider or look for when you are looking to hire a criminal defense attorney is who will be handling your case. One of the things that many law firms do is have you meet with an attorney for the initial consultation or intake process. That may simply be an attorney who is not at court that day. The attorney you meet with is not always the attorney who actually gets assigned your case. You want to know who is going to be handling your case, and you want the opportunity to talk to them before you retain a law firm to take on your case. As such, it is always important to ask the lawyer you meet with if they will be representing you, or if someone else in the law firm will be representing you. If they say someone else will be taking on the case, take the time to meet with that attorney and vet them.
The attorney you meet with is not always the attorney who actually gets assigned your case.Pixabay
There are many important qualities that you should look for as you go about hiring a criminal defense attorney for yourself or for a loved one who may be facing criminal charges. Learning about these qualities and keeping them in mind as you interview criminal defense lawyers can help you zero in on the lawyer who may be the best fit for you or your loved one's situation. If you are looking to hire a criminal defense attorney, learning about their education, their experience, their communication style, their track record, and confidentiality are just a few of the things you should keep in mind.
Here at Ringer, Lingold & Spencer, we can help you if you are facing criminal charges. We work hard to defend you against the charges you are facing. On top of this, we can help with personal injury cases, and we are attorneys that can prove negligence to hep you win these cases. If you are looking for an attorney for a criminal case or a personal injury case, reach out to us. Call us now to schedule a consultation.
(Disclaimer: This is a sponsored article and contains some commercial links.)
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Reading allows you to gain a deeper understanding of the world around you, stimulating your creativity and keeping your mind engaged.
A list of new releases published by Aleph:
What the Heck Do I Do With My Life?: How to Flourish in Our Turbulent Times
Many causes, including technology, climate change, demographics, and inequality, will cause our planet to change more in this century than in all of human history. Extreme change is offering unparalleled opportunities for individuals, companies, and society, as well as a 'adaptive challenge.' Those who can adapt to a fast-paced, complex, dynamic, and unpredictably changing world will prosper. Those who are unable to do so will suffer immensely.
Also read: Books to read in January
There are obvious signals that we need new ways of thinking about the world and our place in it all over the place. Our old ways of thinking about education, lifestyle, success, and happiness are no longer valid. What are the changes in the workplace? When future jobs are still being invented, how can you know what talents will be useful? Will 'jobs' even exist in the future, or will we be relegated to a world of projects and freelance work? What do you do with all of this and more?
What the Heck Do I Do With My Life? is a book on figuring out what you want to do with your life. Ravi Venkatesan argues that effective adaptation in the twenty-first century necessitates a "paradigm shift," a new attitude, new talents, and new techniques. Ravi also considers how, rather than drifting along like a piece of driftwood, we will need to live life more consciously, making deliberate decisions about who we are, what we do, and how we live.
Also read: Book Review: Philip: The Final Portrait
Neeraj Chopra: From Panipat to The Podium
On the night of August 7, 2021, a billion Indians' long-held desire came true as Neeraj Chopra won gold in the javelin in the Tokyo Olympics 2020. The wait, on the other hand, had been extremely long. In reality, this is India's first individual gold medal in athletics since the modern Olympic Games began. The entire country showered him with affection when he did it in his signature flair and smile. The media went crazy, and the youth discovered a new source of inspiration. People flocked to get their photos taken with him, and businesses discovered a new wonder-ambassador. Neeraj Chopra: I'm Neeraj Chopra, and I'm From Panipat to the Podium begins in a small village in Panipat and tells the story of his formative years, which were marked by restricted resources and opportunities. It takes readers through his journey to Panchkula and then to the national camp in his quest to conquer the world.
My Cricket Hero: XII Indians on their XII favourite Cricketers
Pieces from Keki Daruwalla on Polly Umrigar, Fredun De Vitre on Chandu Borde, Gulu Ezekiel on Eknath Solkar, Hemant Kenkre on Sunil Gavaskar, Amrit Mathur on Salim Durani, Kersi Meher-Homji on Vijay Hazare and many more make for a great lockdown read.
It's A Wonderful World: A Memoir
His book is a provocative read that makes us wish we had a life like his. Khalid Ansari's life has been an exciting and purposeful journey in service to his fellow human beings, beginning with his birth in Mumbai's impoverished Madanpura to a father who began his life as an orphan and a mother from a poor household. Ansari has attempted to depict some highlights of a splendored life that he has been lucky to experience, catching stars while chasing rainbows in this 'donkey's tale'. It's been la vie en rose for him, from founding newspapers and magazines to representing his country at the United Nations, accompanying dignitaries on state visits, covering cricket Test matches, nine Olympics, Commonwealth and Asian Games, travelling the world, and being awarded the Padma Shri award. The author has worked hard to keep this narrative from devolving into a 'I-did-this-did-that' pat-on-the-back, shabash!' By 'spicing' it up with dollops of frothy stories and self-critical bon mots, he has attempted a discourse on the meaning of life, the 'right path,' and the like, even as he has attempted a discourse on the purpose of life, the 'right route,' and the like.
The Scindia dynasty, a 300-year-old royal family.Rupa Publication/wikipedia
The Scindia Legac: From Ranoji to Jyotiraditya
A hard-hitting look at the history of one of India's greatest families, entangled in wars, public disagreements, and property disputes, from royalty to politics. The Scindia dynasty, a 300-year-old royal family, is possibly India's sole family known not just for its unending wealth and popularity, but also for its extensive social contribution, primarily through politics. From the time Ranoji Scindia created the dynasty in 1731 through Rajmata Vijaya Raje Scindia's reluctant entry into politics in 1957 to Jyotiraditya Scindia's induction into the Rajya Sabha in 2020, there are countless stories-some told frequently, some seldom. Only Madhavrao-son Rajmata's and Jyotiraditya's father-had never lost an election in the three generations of politics over the centuries, according to the book.
Ammi: An Expression of Love
Is a meal only about the proper combination of components, or is there a lot more to it? Ammi is a Tamil word that refers to a traditional South Indian stone grinder known as Ammi Kallu. Warmth, tenderness, and unconditional love are also embodied by the word 'Ammi,' which can be communicated in a variety of ways, including cooking. This cookbook is as much about cooking for friends and family as it is about dining with them. The 108 recipes in this book cover the breadth and complexity of South Indian and Southeast Asian cuisines, with a healthy dose of bakes and grills tossed in for good measure.
Decoding Business Minds: Unleashing The Power of Wealth Creation
This is a manifesto to transform a country where a Master of Business Administration (MBA) is mostly used to obtain employment rather than to establish a company! Ajay Gupta, a serial entrepreneur, is the typical Indian businessman. He's spent more than three decades in the business world, building enterprises that have thrived despite multiple difficulties and challenges posed by the entrepreneurial ecosystem, but especially by a social attitude that dates back to the British Raj. Most Indians are not accustomed to thinking of business as a lifelong vocation. In reality, business is not considered as a reliable source of income in Indian middle-class households. Many of the myths around business and businesspeople are the reason why even individuals with an intrinsic ability to succeed find it difficult to succeed. Many of these illusions are debunked in this book, which examines how India might become really aatmanirbhar and create boundless prosperity for all.
Grow Your Baby, Not Your Weight
An Extraordinary Memoir of Pregnancy, Birthing and Everything Between
You're expecting a child? That's wonderful! But being perfectly pregnant... isn't that a dream come true?
For far too long, Indian women have been taught that pregnancy and motherhood signal the end of their independence. Being a mother used to imply letting go of your fitness, beauty, job, and sense of self. But that is no longer the case. Durga Shakti Nagpal, a distinguished officer of the Indian Administrative Service and mother of two feisty young princesses, gives readers with a precise plan for a flawless pregnancy in her debut memoir. She'll make sure that the beginning of your life as a mother is done with the attention and accuracy of a drill sergeant, while still being relatable to the average Indian mother-to-be. (IANS/PR)
(Keywords: Books, read, 2022, The City of Incident: A Novel in Twelve Parts, Touching Peace: Practising the Art of Mindful Living, The Greatest Gujarati Stories Ever Told, Pantanjali's Yoga Sutra)
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