16/n (Closing) Been in this industry 10+ yrs. Seen both happy claim stories & painful rejections. 👉 Save 🔖 & share with family/friends who still confuse insurance with “investment”. 💬 Drop your questions below 👇 #TermInsurance #Finance

15/n 📌 Golden Rules Recap: ✅ Buy early, buy enough ✅ Cover till 60–65 yrs ✅ Full disclosure = no rejection ✅ Reliable insurer > cheapest ✅ Review at life milestones Do this → Family is future-proof 💙 #MoneyWisdom

14/n ⏰ When to review policy? ✔️ Marriage 💍 ✔️ Kids 👶 ✔️ Home loan 🏠 ✔️ Big salary jump 💰 Update cover + nominee accordingly. Insurance isn’t “buy once, forget forever.” #FinancialSecurity

13/n 💡 Buy Online or Offline? ✅ Online = cheaper, transparent ✅ Direct from insurer = fewer middlemen ⚠️ Agents push costly ULIPs/Endowment 👉 Always read policy wordings yourself. #MoneyTalks

12/n 📌 Riders to Consider: 👉 Critical Illness (if no separate policy) 👉 Accidental Death Benefit (frequent travel) 👉 Waiver of Premium (disability case) ❌ Don’t add every rider – they bloat premiums. #InsuranceGuide

11/n 🚨 Why claims get rejected? ⚠️ Wrong info at application stage ⚠️ Hiding medical history ⚠️ Incorrect nominee details ⚠️ Missed premium payments Solution = Full honesty + timely renewals ✅ #ClaimProcess

10/n 📄 Documents Needed: ✔️ Aadhaar / PAN ✔️ Income proof (ITR/Form 16/Salary slip) ✔️ Medical tests (age/sum assured based) ✔️ Nominee details Update nominees after marriage/kids! #PersonalFinance

9/n 🛡️ How to Select Insurer? 1️⃣ Claim Settlement Ratio >95% 2️⃣ Solvency ratio (IRDAI site) 3️⃣ Simple digital claim process 4️⃣ Good service reputation 👉 Cheapest ≠ Best. Reliability matters. #InsuranceTips

8/n ⚠️ Most important: Disclosure! Be 100% honest about: ✔️ Health issues ✔️ Smoking/alcohol ✔️ Medical history ✔️ Existing policies Half-truths = Claim Rejection 🚨 #ClaimSettlement

7/n 🚫 What to Avoid? ❌ Return of Premium (waste of money) ❌ Over-buying cover beyond income ❌ Multiple tiny policies (claim hassles) #SmartMoney

6/n 💰 Premium depends on: ✔️ Age (buy young = cheap) ✔️ Health (smoking, BP, diabetes = costly) ✔️ Cover amount ✔️ Policy term Pro Tip: Buy in 20s–30s. Delay = costly mistake. #WealthManagement

5/n 📅 Till what age? 👉 Cover till retirement (60–65 yrs). ❌ Don’t buy till 99 yrs – waste of money. ✅ Objective = Protect earning years, not whole life. #InsurancePlanning

4/n 🔢 How much cover? 👉 15–20x your annual income E.g. ₹10L salary → ₹1.5–2 Cr cover. ✅ Add more if you have loans ❌ Don’t under-insure – your family will struggle. #MoneyTips

3/n 📊 Why Term Insurance? ✔️ Protects family 👨‍👩‍👧‍👦 ✔️ Covers debts 🏠🚗 ✔️ Peace of mind 😌 ✔️ Cheapest per ₹1 Cr cover ⚠️ Don’t confuse with Endowment/ULIP – costly & poor returns. #FinancialPlanning

2/n 💡 What is Term Insurance? ➡️ Pure life cover (no savings, no returns) ➡️ Cheapest way to secure family’s future ➡️ Pays lump sum to nominee if insured dies Think of it as a safety net, not an investment. #InsuranceBasics

1/n 🚨 Term Insurance is the most important financial product you’ll ever buy. But 90% buy it wrong & risk claim rejection. Here’s a complete guide. Save & share! #TermInsurance

🧵 The Ultimate Guide to Term Insurance

20/20 That’s PEG in 20 tweets 🚀 Simple, powerful, but only if used with judgment. Follow me @Moneymomentum50 for more deep-dive investing threads 📈 #Investing #StockMarket #PEG

19/20 Pro tip: For SBC/capex-heavy firms, use “Cash PEG” = (P/FCF ÷ FCF growth). Cash PEG filters optical EPS growth. #PEG #Investing #Cashflow

18/20 PEG + Quality = 🔑 A 1.5 PEG with high ROIC, stable cashflows & clean accounts is often better than a 0.8 PEG with messy books. Quality decides if PEG matters. #Investing #PEG #Valuation