Why 80% Are Cheated on Insurance | Term Insurance Tamil | Yuvarani

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00:00 - Introduction
00:53 - Why term insurance matters
03:18 - Protection vs investment
04:00 - What is term insurance?
05:22 - Real-life scenarios
08:09 - Types of term plans
12:41 - Important riders
15:07 - How much cover to take
16:14 - Comparing plans & platforms
18:16 - GST and premium savings
18:58 - Common mistakes
22:31 - Checklist before buying
23:46 - Why the right plan is crucial
24:39 - Thank you & channel note


Why 80% Are Cheated on Insurance | Term Insurance Tamil | Yuvarani

Most people buy insurance without understanding the basics — that’s why nearly 80% end up cheated or misinformed. In this video, I clearly explain the biggest mistakes customers make while purchasing term insurance, how agents twist facts to sell the wrong plan, and the simple rules you must follow to protect your family the right way. You will learn how to calculate the exact coverage you need (income × years + loans), which riders are truly useful, how premiums vary across companies, and why choosing the wrong tenure can cost you lakhs in the long run.

I also break down the difference between pure term insurance, return-of-premium plans, zero-cost term plans, and the most common traps customers fall for when comparing policies online. Whether you are buying your first term plan or planning to upgrade your old policy, this video will help you avoid expensive mistakes and choose confidently.

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⚠️ DISCLAIMER
This video is strictly for educational and informational purposes only and should not be construed as personal financial, insurance, or legal advice. This video includes a paid endorsement (promotion/sponsorship) for the products or services mentioned, and the presenter may receive compensation. Calculations, premiums, and coverage examples are approximations for illustration only and may vary based on individual circumstances, age, health, and insurer policies. Viewers are strongly advised to consult with a qualified financial advisor and carefully read all policy documents before making any insurance or financial decisions. The presenter and channel are not responsible for any losses incurred.