Introduction to Life Insurance

7/31/2019 Introduction to Life Insurance

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2/43

Lmob mgtr~hgdb mt lmfb arlpm!jbh`b` j}`~h ko

omghgdmhl tb~vmdbt'

Ok~ tkab, mp mt yjhp mp tjkrl` nbhg

mgtp~rabgp pk ahghib ~mtf' Ok~ tkab ak~b, mp mt hg mgvbtpabgp

mgtp~rabgp'

Ok~ tkab kpjb~t, mp mt h phz ulhggmgi pkkl' Hgkpjb~ tbp ko ubkulb ah} rtb mp pk ulhg

ok~ pjbm~ mgvbtpabgp hg` ~bpm~babgp hg`

tkab ah} rtb mp pk ulhg ok~ pjbm~ djml`~bg

b`rdhpmkg'


3/43

Mp jht nbbg kopbg ~bubhpb` n} mgtr~hgdbmg`rtp~} ubkulb pjhp mgtr~hgdb mt hlyh}t

tkl` hg` gbvb~ nkrijp' Pjmt amg`tbp kgl}

baujhtmtbt pjb bzmtpmgi ~bhlmpmbt hnkrp

pjb hyh~bgbtt ko mgtr~hgdb mg ahghimgi

lmobt ~mtft'


4/43

Mgtr~hgdb ^birlhpk~} @bvblkuabgpHrpjk~mp} *M^@H- jht nbbg tbp ru pj~krij

hg hdp ko Uh~lmhabgp, pk u~kpbdp pjb

mgpb~btpt ko pjb uklmd} jkl`b~t, pk ~birlhpb,u~kakpb hg` bgtr~b k~`b~l} i~kypj ko pjb

mgtr~hgdb mg`rtp~}'


5/43

Mttrb pk pjb huulmdhgp h db~pmomdhpb ko~bimtp~hpmkg, ~bgby, ak`mo}, ympj`~hy,

trtubg` k~ dhgdbl trdj ~bimtp~hpmkg

U~kpbdpmkg ko pjb mgpb~btpt ko pjb uklmd}jkl`b~t mg ahppb~t dkgdb~gmgi httmigmgi ko

uklmd}, gkamghpmkg n} uklmd} jkl`b~t,

mgtr~hnlb mgpb~btp, tbpplbabgp ko mgtr~hgdb

dlhma, tr~~bg`b~ vhlrb ko uklmd} hg` kpjb~pb~at hg` dkg`mpmkgt ko dkgp~hdpt ko

mgtr~hgdb


6/43

Tubdmo}mgi ~bxrmtmpb xrhlmomdhpmkgt, dk`b kodkg`rdp hg` u~hdpmdhl p~hmgmgi ok~

mgpb~ab`mh~} k~ mgtr~hgdb mgpb~ab`mh~mbt

hg` hibgpt Tubdmo}mgi pjb dk`b ko dkg`rdp ok~

tr~vb}k~t hg` lktt httbttk~t

U~kakpmgi hg` ~birlhpmgi u~kobttmkghl

k~ihgmthpmkgt dkggbdpb` ympj pjb

mgtr~hgdb hg` ~b!mgtr~hgdb nrtmgbtt


7/43

Tubdmo}mgi pjb ok~a hg` ahggb~ mg yjmdjnkkft ko hddkrgp tjhll nb ahmgphmgb` hg`

tphpbabgp ko hddkrgpt tjhll nb ~bg`b~b`

n} mgtr~b~t hg` kpjb~ mgtr~hgdbmgpb~ab`mh~mbt

^birlhpmgi mgvbtpabgp ko org`t n}mgtr~hgdb dkauhgmbt

^birlhpmgi ahmgpbghgdb ko ah~img kotklvbgd}


8/43

Mgtr~hgdb mt `bomgb` ht pjb bxrmphnlb p~hgtob~ kopjb ~mtf ko h lktt, o~ka kgb bgpmp} pk hgkpjb~, mg

bzdjhgib ok~ h u~bamra' Pjmt abhgt pjhp ok~ h

irh~hgpbb` tahll lktt *u~bamra- h lh~ib,

ukttmnl} `bvhtphpmgi lktt dhg nb u~bvbgpb`'

Mgtr~hgdb dhg u~kpbdp kgl} hg bdkgkamd lktt'Mgtr~hgdb, n} mptblo, dhggkp u~bvbgp pjb

kddr~~bgdb ko lktt mptblo' Mg pjb dkgpbzp ko lmob

mgtr~hgdb, mgtr~hgdb dhg kgl} u~kvm`b hakgbph~} thobp} gbp pk pjb `bubg`bgpt

*nbgbomdmh~mbt- ko pjb ub~tkg yjk nkrijp h

uklmd}'


9/43

Ibgb~hll}, lmob mgtr~hgdb dkauhgmbt koob~u~k`rdpt pk abbp pyk tmprhpmkgt hg} mg`mvm`rhl

amijp ohdb'

Kgb mt rg!hgpmdmuhpb` bh~l} `bhpj' Pjbkpjb~ mt lmvmgi pkk lkgib~'

Pjb bdkgkamd lktt nbdhrtb ko rg!hgpmdmuhpb`bh~l} `bhpj ko n~bh`!ymggb~ ah} nb u~kpbdpb` n}

h lmob mgtr~hgdb u~k`rdp' Kpjb~ tmprhpmkg ko lmvmgipkk lkgib~ dhg nb ahghib` rtmgi lmob hggrmp}

u~k`rdpt koob~b` n} lmob mgtr~hgdb dkauhgmbt'


10/43

Lmob mgtr~hgdb mt h dkgp~hdp nbpybbg pjb

mg`mvm`rhl *uklmd} kygb~- hg` pjb mgtr~hgdb

dkauhg} *mgtr~b~-, yjb~b pjb mgtr~b~

hi~bbt pk uh} h uh~pmdrlh~ tra ko akgb}rukg pjb kddr~~bgdb ko pjb mgtr~b`

mg`mvm`rhl)t k~ mg`mvm`rhlt) `bhpj k~ kpjb~

bvbgp, trdj ht d~mpmdhl mllgbtt' Mg ~bpr~g, pjb

uklmd} kygb~ hi~bbt pk uh} h tpmurlhpb`hakrgp dhllb` h u~bamra hp ~birlh~

mgpb~vhlt k~ mg lrau trat'


11/43

Lmob mgtr~hgdb nrtmgbtt abhgt pjb nrtmgbtt

ko boobdpmgi dkgp~hdpt ko mgtr~hgdb rukg

jrahg lmob, mgdlr`mgi hg} dkgp~hdp yjb~bn}

pjb uh}abgp ko akgb} mt httr~b` kg `bhpj*bzdbup `bhpj n} hddm`bgp kgl}- k~ pjb

jhuubgmgi ko hg}'

^mtf dkvb~b` mg h lmob mgtr~hgdb uklmd} mt `bhpj

ko pjb uklmd} jkl`b~*t- nbok~b pjb tpmurlhpb`

`hpb'


12/43

Ympj pjb h`vbgp ko u~mvhpb lmob mgtr~hgdb

dkauhgmbt mg Mg`mhg lmob mgtr~hgdb ah~fbp,

pjb p}ubt ko mgtr~hgdb u~k`rdpt hvhmlhnlb

pk Mg`mhg ukurlhpmkg jhvb djhgib``~hahpmdhll}' Mg pjmt tbdpmkg, yb u~kvm`b

}kr n~mbo `bphmlt ko vb~} nhtmd mgtr~hgdb

u~k`rdpt' Pjbtb u~k`rdpt ah} nb

ak`momb` mg k~`b~ pk abbp vh~mkrt gbb`t kopjb nr}b~t' Yjhp ymll nb koob~b` mg pjb

ah~fbp ulhdb ymll rtrhll} nb h j}n~m`

u~k`rdp'


13/43

Mgtr~hgdb mt u~kvm`b` ok~ h tubdmomd pb~a,

trdj ht 45 }bh~t' Mo pjb uklmd}jkl`b~ `mbt

`r~mgi pjhp ub~mk`, h u~b!tubdmomb` tra ko

akgb} mt uhm` pk pjb nbgbomdmh~mbt' Mouklmd}jkl`b~ krplmvbt pjb pb~a, gk akgb}

mt uhm` krp hp pjb bg` ko pjb pb~a' Pjb~b

mt gk mgvbtpabgp dkaukgbgp mg h ur~b

pb~a mgtr~hgdb u~k`rdp hg` jbgdb mp mtkopbg aktp mgbzubgtmvb kupmkg pk ibp

trntphgpmhl `bhpj nbgbomp dkvb~ ub~ ~rubb

ko u~bamra uhm`'


14/43

H ok~a ko pb~a mgtr~hgdb mg yjmdj pjb

uklmd} mt mg boobdp ok~ pjb bgpm~b `r~hpmkg ko

pjb uklmd}jkl`b~t lmob' Pjb~b h~b tbvb~hl

vh~mhpmkgt mg yjklb lmob mgtr~hgdb, ok~bzhaulb, kupmkg pk uh} u~bamra ok~ h

lmampb` ub~mk` hg` ympj hg` ympjkrp u~komp

ulhgt'


15/43

Okllkymgi mt pjb hn~m`ib` vb~tmkg ko OHX kg

RLMUt imvbg krp n} M^@H3

H RLMU mt h lmob mgtr~hgdb uklmd} yjmdju~kvm`bt h dkanmghpmkg ko ~mtf dkvb~ hg`

mgvbtpabgp'


16/43

Pjb hllkdhpb` *mgvbtpb`- uk~pmkgt ko pjbu~bamrat hopb~ `b`rdpmgi hll pjb djh~ibt

hg` u~bamra ok~ ~mtf dkvb~ rg`b~ hll

uklmdmbt mg h uh~pmdrlh~ org` ht djktbg n}pjb uklmd} jkl`b~t h~b ukklb` pkibpjb~ pk

ok~a h Rgmp org`'

Aktp mgtr~b~t koob~ h ym`b ~hgib ko org`tpk trmp kgbt mgvbtpabgp kncbdpmvbt, ~mtfu~komlb hg` pmab jk~mskgt' @moob~bgp org`t

jhvb `moob~bgp ~mtf u~komlbt' Pjb ukpbgpmhl

ok~ ~bpr~gt hltk vh~mbt o~ka org` pk org`'


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Org` p}ub Ghpr~b ko Mgvbtpabgpt ^mtfDhpbik~}

Bxrmp} Org`t

U~mah~ml} mgvbtpb` mg dkauhg}

tpkdft ympj pjb ibgb~hl hma ko

dhumphl huu~bdmhpmkg

Ab`mra

pk Jmij

Mgdkab, Omzb` Mgpb~btphg` Nkg` Org`t

Mgvbtpb` mg dk~uk~hpb nkg`t,

ikvb~gabgp tbdr~mpmbt hg`

kpjb~ omzb` mgdkab mgtp~rabgptAb`mra

Dhtj Org`t

Tkabpmabt fgkyg ht Akgb}

Ah~fbp Org`t mgvbtpb` mg

dhtj, nhgf `buktmpt hg` akgb}

ah~fbp mgtp~rabgpt

Lky

Nhlhgdb` Org`tDkanmgmgi bxrmp} mgvbtpabgp

ympj omzb` mgpb~btp mgtp~rabgpt Ab`mra

Mg rgmp lmgfb` u~k`rdpt+uklmdmbt, pjb mgvbtpabgp ~mtf mg mgvbtpabgp

uk~poklmk mt nk~gb n} pjb uklmd} jkl`b~


18/43

Kgb ko pjb aktp ukurlh~ p~h`mpmkghl mgtr~hgdbulhgt, pjbtb h~b mgtr~hgdb uklmdmbt mg yjmdj h

lrau tra mt uhm` krp hp pjb bg` ko pjb u~b!

tubdmomb` pb~a, k~ yjbg pjb uklmd}jkl`b~ `mbt

yjmdjbvb~ mt bh~lmb~' P~h`mpmkghl ympj!u~kompBg`kyabgp Uklmdmbt uh} krp h tubdmomd tra,

dhllb` pjb tra httr~b`' Pjmt hakrgp dhg nbmgd~bhtb` pj~krij mgvbtpabgp ub~ok~ahgdb

pj~krij nkgrtbt `bdlh~b` o~ka pmab pk pmab'Tmgdb pjmt uklmd} p}ub jht h``mpmkghl nbgbompt, mp

dh~~mbt jmijb~ u~bamra dktpt ht dkauh~b` pk h

pb~a mgtr~hgdb ulhg'


19/43

^m`b~t h~b h``mpmkgt pk pjb uklmd} u~kvmtmkgt pjhpkoob~ nbgbompt gkp okrg` mg pjb k~mimghl dkgp~hdp,

k~ pjhp ak`mo} mp' Pjbtb tubdmhl u~kvmtmkgt pjbg

nbdkab hpphdjb` pk pjb ahmg uklmd}' Nbdhrtb

hll ~m`b~t u~kvm`b tkab fmg` ko nbgbomp pk pjbuklmd} kygb~, hg bzp~h u~bamra ah} nb djh~ib`

ok~ pjba' H ~m`b~ mt hg kupmkg pk nb djktbg n}

pjb uklmd} kygb~ hp pjb mgdbupmkg ko pjb uklmd}

hg` pjb~b ah} nb uklmdmbt k~ ulhgt ympjkrp hg}~m`b~ kupmkg hpphdjb` pk pjba'


20/43

Hddk~`mgi pk M^@H ~birlhpmkgt, ~m`b~t k~~m`b~ nbgbomp mt `bomgb` ht h``!kg nbgbompt,yjmdj h~b mg h``mpmkg pk nhtmd nbgbompt rg`b~ h

uklmd}' Jbgdb, pjb ~m`b~ tjkrl` nb ~blhpb`

bzdlrtmvbl} pk pjb lmob mgtr~b` rg`b~ pjb nhtmduklmd}'


21/43

H lmob hggrmp} mt h dkgp~hdp mg yjmdj hgmgtr~b~ hi~bbt mg dkgtm`b~hpmkg ko h

db~phmg uh}abgp k~ uh}abgpt, pk uh} pk

pjb nbgbomdmh~}, h omzb` tra `r~mgi himvbg ub~mk` ko }bh~t k~ rgpml jmt `bhpj'

Pjb ub~mk`mdhl uh}abgp mt dhllb` pjb

hggrmp} hg` pjb ub~tkg yjk ~bdbmvbt mp mt

pjb hggrmphgp'


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23/43

P}ubt ko hggrmp} ulhg koob~b` n} aktp ko

pjb lmob mgtr~hgdb dkauhgmbt h~b lmtpb`

nblky3

Hggrmp} ok~ lmobUh}hnlb ok~ hggrmphgp)t lmob'

Lmob Hggrmp} ympj ~bpr~g ko ur~djhtbu~mdb

Uh}hnlb ok~ hggrmphgp)t lmob hg` ~bpr~g

ko k~mimghl ur~djhtb u~mdb pk nbgbomdmh~}

kg hggrmphgp)t `bhpj'


24/43

Lmob Hggrmp} irh~hgpbb` ok~ 2, 85, 82}bh~t

Uh}hnlb pk hggrmphgp+nbgbomdmh~} ok~

2+85+82 }bh~t m~~btubdpmvb ko pjbhggrmphgp)t bzmtpbgdb' Mo hggrmphgp lmvbt

nb}kg` pjb tphpb` }bh~t, hggrmpmbt

uh}hnlb ok~ jmt+jb~ lmob'

Ckmgp Lmob Lhtp tr~vmvk~

Uh}hnlb pk hggrmphgp ok~ lmob hg` hopb~

`bhpj pk jmt+jb~ tukrtb *mo hlmvb- ok~ lmob


25/43

Ckmgp Lmob Lhtp tr~vmvk~ ympj ~bpr~g kour~djhtb u~mdb

Uh}hnlb pk hggrmphgp ok~ lmob hg` hopb~

`bhpj pk jmt+jb~ tukrtb *mo hlmvb- ok~ lmob'K~mimghl ur~djhtb u~mdb ~bpr~gb` pk

nbgbomdmh~} kg tukrtb / hggrmphgp)t

`bhpj


26/43

Mgtr~hgdb dkauhgmbt jhvb tp~rdpr~b`u~k`rdpt pjhp dhpb~ pk lh~ib jkakibgkrt

i~krut trdj ht i~kru ko baulk}bbt ko h

dkauhg}' I~kru lmob mgtr~hgdb jhttbvb~hl h`vhgphibt kvb~ mg`mvm`rhl

uklmdmbt'


27/43

I~kru abanb~t gbb` gkp rg`b~ik hg}ab`mdhl bzhamghpmkg bmpjb~ hp mgdbupmkg k~

`r~mgi ~bgbyhl trncbdp pk pjb lmampt

huulmb` n} hg mgtr~hgdb dkauhg}' Ok~jmijb~ tra httr~b`, jkybvb~, pjb

mgtr~b` jht pk rg`b~ik pjb ~bxrm~b`

ab`mdhl bzhamghpmkg'

Hltk rglmfb mg`mvm`rhl uklmdmbt, pjb~b mt gkgbb` ok~ omghgdmhl rg`b~y~mpmgi mo pjb

i~kru mt ok~ baulk}bbt' Pjb baulk}b~

ykrl` nb hnlb pk dkgom~a pjb omghgdmhl

tphprt ko jmt baulk}bb'


28/43

H`amgmtp~hpmkg dktpt ko i~kru mgtr~hgdbdkvb~t h~b lky hg` mgtr~b~ rtrhll}

uhttbt kg pjmt thvmgi ht ~b`rdpmkg mg

u~bamra ~hpbt' Mg`mvm`rhlt gbb` gkp yk~~} hnkrp

~bgbymgi pjb uklmd} bvb~} }bh~ ht pjb

i~kru ahghib~t phfb dh~b ko trdj

mttrbt'


29/43

I~kru mgtr~hgdb uklmdmbt ykrl` jhvb hjmijb~ d~mpmdhl mllgbtt dkvb~ pjhg hg

mg`mvm`rhl ulhg

I~kru mgtr~hgdb uklmdmbt ah} jhvb ym`b~tdkub pjhg hg mg`mvm`rhl uklmd} trdj ht

dkvb~mgi i~hprmp}, trub~hggrhpmkg hg` tk

kg'


30/43

Nbdhrtb ko pjbtb h`vhgphibt, i~kru lmobmgtr~hgdb jht nbdkab vb~} ukurlh~'

Jkybvb~, i~kru mgtr~hgdb jht kgb ahck~

`mth`vhgphib3 Kgb dhg bgck} pjb i~krumgtr~hgdb nbgbomp ht lkgi jb ~bahmgt h

abanb~ ko pjb i~kru' Pjb akabgp jmt

~blhpmkgtjmu ympj pjb i~kru mt pb~amghpb`,

tk mt pjb mgtr~hgdb dkvb~' Pjmt d~bhpbti~bhp rgdb~phmgp} rukg `bubg`mgi tklbl}

kg i~kru lmob mgtr~hgdb mg k~`b~ pk

ahghib hg mg`mvm`rhl k~ jkrtbjkl`tjbhlpj mgtr~hgdb gbb`t'


31/43

Ikvb~gabgp, mg k~`b~ pk nkktp ubgbp~hpmkgko mgtr~hgdb drlpr~b hakgitp pjb ahttbt

hg` hltk pk mgdbgpmvmtb thvmgit pj~krij

mgtr~hgdb hg` ubgtmkg u~k`rdpt u~kvm`bt

ahg} phz nbgbompt' Mgdkab Phz Hdp jht hlmtp ko u~kvmtmkgt pjhp imvb bzbaupmkgt hg`

`b`rdpmkgt yjmlb dkaurpmgi phz kg mgdkab'

Rg`b~ Tbdpmkg 85*85H- *mmm- ko pjb MgdkabPhz Hdp, hg} uh}abgp ~bdbmvb` n} yh} ko

dkaarphpmkgt ko ubgtmkg krp ko pjb Cbbvhg

Tr~hftjh hggrmp} ulhgt mt bzbaup o~ka phz


32/43

Rg`b~ Tbdpmkg 85*85@-, hg} tra~bdbmvb` rg`b~ h Lmob Mgtr~hgdb uklmd}

*gkp nbmgi h Fb} Ahg uklmd}- mt bzbaup

o~ka phzhpmkg'

Rg`b~ Tbdpmkg 85*84-, pjb uh}abgpt~bdbmvb` o~ka hg huu~kvb`

Trub~hggrhpmkg Org` ah`b h~b bzbaup

o~ka mgdkab phz


33/43

!kg pjb `bhpj ko h nbgbomdmh~}

!pk hg baulk}bb mg lmbr ko k~ mg

dkaarphpmkgt ko hg hggrmp} kg jmt~bpm~babgp k~ hopb~ h tubdmomb` hib

!n} yh} ko ~borg` ko dkgp~mnrpmkgt kg pjb`bhpj ko h nbgbomdmh~}


34/43

Tbdpmkg :5D u~kvm`bt h `b`rdpmkg pk hgmg`mvm`rhl httbttbb ok~ hg} hakrgp uhm`

k~ `buktmpb` ru pk h ahzmara lmamp ko

^t'8,55,555+! !pk boobdp k~ pk fbbu mg ok~db hg mgtr~hgdb

kg pjb lmob

!pk boobdp k~ pk fbbu mg ok~db h dkgp~hdp ok~h `bob~~b` hggrmp}

!ht h dkgp~mnrpmkg ok~ uh~pmdmuhpmkg mg pjbtubdmomb` Rgmp!lmgfb` Mgtr~hgdb Ulhgt


35/43

!pk boobdp k~ pk fbbu mg ok~db h dkgp~hdp ok~hggrmp} ulhg

Tbdpmkg :5 DDD u~kvm`bt h `b`rdpmkg ko

ru pk ^t'8,55,555+! pk hg mg`mvm`rhlhttbttbb ok~ hg} hakrgp uhm` k~

`buktmpb` pk boobdp k~ fbbumgi mg ok~db

hg} hggrmp} ulhg'

Mp tjkrl` nb gkpb` jb~b pjhp mg dhtb ko hubgtmkg ulhg, hggrmpmbt ~bdbmvb` o~ka h

ubgtmkg ulhg h~b phzhnlb'


36/43

Pj~krij mpt gkpmomdhpmkg `hpb`8?+85+>55>, M^@H jht mauktb` h lmtp ko

`kt hg` `kgpt ok~ mgtr~hgdb dkauhgmbt

pk okllky yjbg `bhlmgi ympj uklmd}kygb~t' Pjb ~birlhpmkg dkvb~t ahg}

h~bht trdj ht,

Ukmgp ko thlb

U~kukthl ko mgtr~hgdb


37/43

I~mbvhgdb ~b`~btthl u~kdb`r~b

Ahppb~t pk nb tphpb` mg pjb lmob hg`ibgb~hl mgtr~hgdb uklmdmbt

Dlhma u~kdb`r~bt mg ~btubdp ko lmob hg`ibgb~hl mgtr~hgdb uklmdmbt

Uklmd} jkl`b~t tb~vmdmgi


38/43

Pjb mgtpmprpmkg ko Mgtr~hgdbKanr`tahg yht d~bhpb` n} h

Ikvb~gabgp ko Mg`mh ympj pjb

ur~uktb ko xrmdf `mtukthl ko pjbi~mbvhgdbt ko pjb mgtr~b`

drtpkab~t hg` pk ampmihpb pjbm~

u~knlbat mgvklvb` mg ~b`~btthl ko

pjktb i~mbvhgdbt'

Mgtr~hgdb Kanr`tahg jht pykp}ubt ko orgdpmkgt pk ub~ok~a


39/43

Dkgdmlmhpmkg

Hyh~` ahfmgi

Pjb mgtr~hgdb Kanr`tahg mt

baukyb~b` pk ~bdbmvb hg` dkgtm`b~dkaulhmgpt mg ~btubdp ko ub~tkghl lmgbt ko

mgtr~hgdb o~ka hg} ub~tkg yjk jht hg}

i~mbvhgdb hihmgtp hg mgtr~b~'


40/43

Pjb dkaulhmgp ah} ~blhpb pk hg} i~mbvhgdb

hihmgtp pjb mgtr~b~ m'b'

Hg} uh~pmhl k~ pkphl ~bur`mhpmkg ko dlhmat

n} pjb mgtr~hgdb dkauhgmbt, @mturpb ympj ~bih~` pk u~bamra uhm` k~

uh}hnlb mg pb~at ko pjb uklmd},

@mturpb kg pjb lbihl dkgtp~rdpmkg ko pjb

uklmd} yk~`mgit mg dhtb trdj `mturpb

~blhpbt pk dlhmat6


41/43

@blh} mg tbpplbabgp ko dlhmat hg`

Gkg!mttrhgdb ko hg} mgtr~hgdb `kdrabgppk drtpkab~t hopb~ ~bdbmup ko u~bamra'

Kanr`tahg)t ukyb~t h~b ~btp~mdpb` pkmgtr~hgdb dkgp~hdpt ko vhlrb gkp

bzdbb`mgi ^t' >5 lhfjt' Pjb mgtr~hgdb

dkauhgmbt h~b ~bxrm~b` pk jkgkr~ pjb

hyh~`t uhttb` n} hg Mgtr~hgdb

Kanr`tahg ympjmg pj~bb akgpjt'


42/43

Pjb hnkvb ahpb~mhl mt u~kvm`b` ok~ibgb~hl mgok~ahpmkg kgl} hg` `k gkp

dkgtpmprpb lbihl k~ kpjb~ u~kobttmkghl

h`vmdb' Pjmt mgok~ahpmkg ah} nb trncbdppk djhgib ympjkrp gkpmdb hg` hddk~`mgil},

ah} gkp nb ru pk `hpb hp pjb pmab ko

vmbymgi' Mgok~ahpmkg tubdmomd pk h u~k`rdp

ah} nb knphmgb` o~ka pjb dkgdb~gb`Mgtr~b~'


43/43

totEtotou'mg

Ok~ ak~b `bphmlt+ @kyglkh`mgi pjmt uup ulbhtb ~bhdj rt hp

Introduction to Life Insurance

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