Child Future Protection Plan

🛡️ IRDA-Certified Insurance Advisor · LIC & GIC Agent

Child Future Protection Plan — Bachche ka sapna, kal bhi surakshit

Har maa-baap chahta hai ki bachche ki padhai aur sapne kabhi paise ki kami se na rukein, chahe halat kaise bhi ho. Sahi insurance aur nivesh ka mel us bharose ki neev rakh sakta hai.

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Binod Kumar Shukla is an IRDA-certified insurance advisor (LIC of India and GIC agent). Insurance is the subject matter of solicitation. Premiums, benefits and claim settlement are as per the insurer’s policy terms. Your details are used only to assist your enquiry.

Bachche Ke Sapne

Ye plan kin goals mein madad kar sakta hai

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Padhai ka fund

Aage ki padhai ke liye saalon ki taiyari.

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Bachche ki shaadi

Lambe goal ke liye anushasit bachat.

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Mata-pita ki suraksha

Aapki anupasthiti mein bhi plan chalta rahe.

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Bachche ke naam tohfa

Bachche ko nivesh ki aadat dikhayein.

Smart Planning

Plan chunne se pehle yeh karein

✓ Samajhdari ke kadam

Pehle apni khud ki life cover (term insurance) pakki karein, kyunki bachche ki suraksha aapki aay par tiki hai.
Child plan ke charges, lock-in aur returns ki shartein dhyan se compare karein.
Lambe goals ke liye SIP aur term insurance ka mel ek aur vikalp ho sakta hai; apni zaroorat ke hisaab se chunein.
Goal ki tareekh aur amount likh kar planning shuru karein.
Waiver of premium jaise riders ke fayde aur kharch dekhein.

Dhyan Rakhein

Plan lene se pehle in baaton ka dhyan rakhein

⚠️ Zaroor padhein

Market-linked plans (ULIP) mein nivesh jokhim hota hai aur returns tay nahi hote.
Kuch plans mein lock-in period hota hai; samay se pehle nikalne par charge lag sakte hain.
Child plan aur term insurance ek jaise nahi hote; dono ka kaam alag hai.
Tax niyam Income-tax Act ke hisaab se badal sakte hain; CA se confirm karein.

FAQ

Aksar Pooche Jaane Wale Sawaal

Child insurance plan kya hota hai?

Ye life insurance ka ek roop hai jo bachche ke goals jaise padhai ya shaadi ke liye savings ya nivesh ke saath protection bhi deta hai. Alag-alag insurers ke plan aur terms alag hote hain.

Child plan behtar hai ya term insurance plus SIP?

Dono ki alag bhoomika hai. Term insurance sasti protection deta hai aur SIP lambe goal ke liye nivesh ka vikalp hai. Aapke goal, jokhim lene ki kshamta aur budget ke hisaab se compare karna sahi rehta hai.

ULIP mein kya jokhim hai?

ULIP ka nivesh hissa market se juda hota hai, isliye returns ghat ya badh sakte hain aur tay nahi hote. Charges aur lock-in bhi dhyan se padhein.

Kitni umar mein shuru karein?

Jitni jaldi shuru karein, utna lamba samay milta hai. Bachche ke janm ke samay se hi planning shuru karna aam taur par sahayak maana jaata hai.

Aapke liye aur bhi guides

Term Insurance for Family Protection Child Education Planning SIP Investment Health Insurance for Parents Goal Based Investing

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Disclaimer: Insurance is the subject matter of solicitation. This page is for general education and is not a recommendation of any specific policy. Features, premium, exclusions, waiting periods and claim settlement are governed by the insurer’s policy document; please read it carefully before buying. Tax treatment of premium and benefits is as per the Income-tax Act in force and may change; consult your tax advisor.