IS YOUR INVESTED AMOUNT IN LIFE INSURANCE ARE SAFE?

D;k futh chekdÙkkZvksa esa fofu;ksx /kujkf’k lqjf{kr gS \

lqj{kk (Security) :-

lqj{kk dks ysdj ekuoh; vo/kkj.kk izkphu dky ls gh egRoiw.kZ o lokZsifj jgh gSA O;fDr izkjEHk dky ls gh O;fDrxr lqj{kk] ikfjokfjd lqj{kk] lEifÙk lqj{kk o lkekftd lqj{kk dks izkfFkfedrk nsrk pyk vk jgk gS rFkk bu lqj{kkvksa ds ek/;e }kjk viuk o viuksa dk thou csgÙkj djus dk iz;kl dj jgk gSA bu pkjksa rjg dh lqj{kk O;oLFkkvksa esa fdlh ,d dh deh gksus ij mls iw.kZ djus dk Hkjld iz;kl djrk gSA le; ds ifjorZu ds lkFk gh lqj{kk O;oLFkk;sa u;s rjg ls O;ofLFkr dh x;h gS rFkk yksxksa dks lqjf{kr eglwl djkus ds fy, ljdkj us cgqr gh lqn`<+ lqj{kk O;oLFkk;sa vyx&vyx rjg ls fØ;kfUor dh gqbZ gSA mnkgj.k ds rkSj ij ;fn ns[kk tk; rks O;fDrxr] lkekftd o ikfjokfjd lqj{kk ds fy, fofHkUu rjg ds iz’kklu o U;k;ky;ksa dk xBu dj lqj{kk dk cks/k djok jgk gS rFkk /ku dh lqj{kk ds fy, fofu;ksx dh tk jgh /kujkf’k dks lgh o lqjf{kr csgrj okilh ds lkFk izkfIr ds fy, fofHkUu fudk;ksa ds ek/;e ls lqj{kk dk cks/k djok jgk gSA ;fn vk/kqfud ’kCnksa esa ckr djsa rks vkt miHkksDrkokn dk nkSj gS vkSj xzkgd larqf"V gj O;olk; o is’kksa esa loksZifj gS rFkk ljdkj dk Hkh Hkjld iz;kl ;gh jgrk gS fd miHkksDrkvksa dks fdlh leL;k dk lkeuk u djuk iMs+A

thou chek ,oa lqj{kk (Life Insurance and Security) %&

thou chek ds futhdj.k ds i’pkr~ ls ysdj vkt rd ;gh fopkj /kkjk izcy jgh gS fd lkoZtfud daiuh dh vis{kk futh daiuh ds chekdÙkkZvksa esa iSlk vlqjf{kr gS rFkk yksx iSlk lkoZtfud daiuh esa fuos’k dj lqjf{kr  eglwl djrs gS vusdksa iz;kl fd;s x;s gS vkSj fd;s tk jgs gS bl vo/kkj.kk dks lekIr djus ds fy,] fdUrq nqHkkZX;ol bu iz;klksa dh dsoy vkaf’kd lQyrk gh feyh gSA lkoZtfud chekdÙkkZ dh gh rjg fofu;ksx fd;k x;k iSlk futh chekdÙkkZvksa esa Hkh lqjf{kr gS bl vo/kkj.kk dk fodkl gekjs o vkids tkx:d gksus ij gh gksxkA ge vkSj vki tkx:d gksxsa vkSj gekjk Hkjkslk futh chekdÙkkZvksa ds izfr Hkh izdV gksxk tc ges mudks fu;fU=r djus okys ljdkjh fudk; ds ckjs esa Li"V rkSj ij o iw.kZ tkudkjh gksxh vkSj t:jr gS bl tkudkjh o Kku dks O;kid Lrj ij foLrkfjr djus dh ftlls futh chekdÙkkZvksa ds izfr Hkh vke vkneh dk Hkjkslk fudydj lkeus vk;sA vkb;s vc ckr djrs gS chek fofu;ked vkSj fodkl izkf/kdj.k (IRDA) dhA

dkSu gS chek fofu;ked vkSj fodkl izkf/kdj.k \ (IRDA) :-

chek fofu;ked vkSj fodkl izkf/kdj.k (Insurance Regulatory and Development Authority) (IRDA) Hkkjr ljdkj dk ,d jk"Vªh; miØe gS rFkk bldk eq[; dk;kZy; gSnjkckn esa fLFkr gS Hkkjrh; laln esa fo/ks;d ikfjr dj bldh LFkkiuk dh x;h] bl fo/ks;d dks (IRDA) bjMk ,DV 1999 ds uke ls tkuk tkrk gS rFkk lu~ 2002 esa dqN ewyHkwr fu;eksa dks tksM+us ds mn~ns’; ls bl fo/ks;d esa la’kks/ku fd;s x;ssA bjMk (IRDA) dk eq[; mn~ns’; **ikWfylh/kkjdksa ds fgrksa dh j{kk djuk] chek daifu;ksa dks fu;eu ds }kjk fu;fU=r dj ;g lqfuf’pr djuk fd mudh mUufr gksrh jgs rFkk ,slh fu;e o dkuwu cukuk tgk¡ ij orZeku fu;e o dkuqu vi;kZIr gks** gSA

vHkh gky gh ds fnuksa esa ;wfyi (ULIP-UNIT LINKED INSURANCE PLAN) dks ysdj (IRDA) vkSj lsch (SECURITY AND EXCHANGE BOARD OF INDIA) ds e/; ;wfyi ikWfyfl;ksa ds fu;U=.k dks ysdj fookn dkQh lwf[kZ;ksa esa jgkA Hkkjr ljdkj ds funsZ’k ij ;wfyi ikWfyfl;ksa ij fu;a=.k dk vf/kdkj vfUre :i ls bjMk (IRDA) dks feyk gSA

chek fofu;ked vkSj fodkl izkf/kdj.k dk y{; (Objective of IRDA) :-

bjMk ds izeq[k y{; fuEufyf[kr gSA

1-     ikWfylh /kkjdksa ds fgrksa dh j{kk rFkk fu"i{k O;ogkj lqfuf’pr djukA

2-     vke vkneh dks ykHk nsus gsrq vkSj vFkZO;oLFkk dh nh?kZdkyhu fuf/k;ksa dks rhozrk ls c<+kus ds fy, chek m|ksx dh rst ,d Øec) o`f) ¼okf"kZd ,oa v)Zokf"kZd Hkqxrku lfgr½ lqfuf’p djukA

3-     fofu;fer yksxksa dh ,dkxzrk] fofÙk; LFkkf;Ro lgh laO;ogkj ,d ;ksX;rk dks LFkkfir izksRlkfgr fuxjkuh ,oa ykxw djukA

4-     okLrfod nkoksa ds Rofjr fuiVku dks lqfuf’pr djuk vkSj chek /kks[kk/kfM+;ksa vkSj vU; dnkpkjksa ls cpuk rFkk fuokj.k ra= dks izHkkoh f’kdk;r ra= ds :i esa LFkkfir djukA

5-     chek ds lkFk laO;ogkj djus okys foÙk ctkjksa esa lgh ikjnf’kZrk ,oa Øec) O;ogkj izksRlkfgr djus ,oa cktkj ds O;olkf;;ksa esa fofÙk; fLFkjrk ykxw djus esa ,d fo’okluh; izcU/ku tkudkjh iz.kkyh dk fuekZ.k djukA

6-     ml fLFkfr esa dk;Zokgh djuk tgk¡ ,sls ekud vi;kZIr ;k vizHkkoh <ax ls ykxw fd;s x;s gksaA

7-     m|ksx ds fnu izfrfnu ds foosdiw.kZ fofu;eu dh vko’;drkvksa ds lkFk cgqr T;knk Lofofu;eu ykukA

Li"Vhdj.k

bjMk dk fu;a=.k thou chekdÙkkZvksa ij mPpLrj ls ysdj fuEuLrj rd gS rFkk ;g lkoZtfud chekdÙkkZ vFkkZr Hkkjrh; thou chek fuxe (L.I.C.) o futh chekdÙkkZvksa ij lekU; :i ls ykxw gksrk gS fdlh Hkh n’kk esa lHkh chekdÙkkZ bjMk ds fu;eksa dks ekuus ds fy;s ck/; gS rFkk fu;eksa dh mis{kk djus ij mUgsa nf.Mr Hkh fd;k tkrk gSA
                                                                                 
fu"d"kZ (Conclusions) :-

lkoZtfud chekdÙkkZ o futh chekdÙkkZvksa dks fu;fU=r djus ds fy, Hkkjr ldjdkj us IRDA ACT 1999 dh laln esa fo/ks;d ikfjr dj LFkkiuk dh gSA bjMk (IRDA) ds fu;e o funsZ’k lHkh chek dÙkkZvksa ij leku :i ls ykxw gksrs gSA lHkh chekdÙkkZvksa ds }kjk izkIr jkf’k dks fofu;ksx djus ds fy, bjMk (IRDA) us (Investment Regulation 2000) cuk;k gS ftlds vuqlkj gh lHkh chekdÙkkZ izkIr vk; dk fofu;ksx dj jgs gSa blds vyok lHkh chekdÙkkZvksa dh fnu izfrfnu ds fØ;kdykiksa dh l?ku rjhd ls ns[k jgk gS rFkk izR;sd chekdÙkkZ dk le;&le; ij og lHkh izi=ksa dh tk¡p djrk gS rFkk fu;eksa dh vuns[kh gksus ij l’kDr rfjds ls nf.Mr Hkh djrk gSA vr% futh chekdÙkkZvksa esa fuos’k jkf’k 'krizfr’kr lqjf{kr gS ftldh xkj.Vh bjMk (IRDA) o Hkkjr ljdkj dh gSA bjMk  (IRDA) us ,sls fu;e cuk;s gS fd ,d chekdÙkkZ ;fn og ml O;olk; dks ugha pykuk pkgrk rks og ml O;olk; dks lekIr ugha dj ldrk D;ksafd mlds ikl ikWfylh gksYMlZ dk nkf;Ro gksrk gS rFkk og vius nkf;Roksa dks fdlh vkSj daiuh dks bjMk (IRDA) ds fu;eksa ds rgr gLrkUrfjr gks tkrk gSA