Life Insurance Needs
जीवन बिमा आवश्यकता
Context: A parent discusses life insurance options to protect their family.
Advisor
With a young family, life insurance is important. Do you have any coverage?
ग्राहक
मसँग सुपरमा केही बिमा छ तर पुग्छ कि पुग्दैन थाहा छैन।
Advisor
Most super funds provide default cover of about two hundred thousand dollars. But if you have a mortgage and children, you likely need more.
ग्राहक
कति कभर चाहिन्छ?
Advisor
A rule of thumb is eight to ten times your annual income, plus debts. This ensures your family can maintain their lifestyle.
ग्राहक
प्रिमियम कति हुन्छ?
Advisor
For a thirty-five-year-old non-smoker, five hundred thousand of cover costs roughly fifty to eighty dollars per month.
ग्राहक
TPD भनेको के हो?
Advisor
Total and Permanent Disability insurance pays a lump sum if you become permanently disabled and can't work. It's often bundled with life cover.
Segment count: 9 — Practice interpreting each segment before reading the next