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Jharkhand is state situated in the eastern part of the country, is known for being the coal capital of India. While Jharkhand is blessed with natural landscapes and prosperous industries, like the steel industry, coal industry etc., it also faces multiple challenges that make it difficult for people to sustain at ease.
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Some of these challenges include underdevelopment, low literacy levels, malnutrition, malnutrition, unemployment, etc. Therefore, you should take necessary financial measures to provide a safety net for your loved ones. One way is to buy term insurance and protect your family in Jharkhand Godda from life’s numerous uncertainties. Let’s discuss the importance of term insurance in Jharkhand Godda here.
Here are some facts and statistics about Jharkhand that you must know before you proceed to buy term plan:
According to the 2021 edition of the Multidimensional Poverty Index, released by Niti Aayog, about 42.16% of the total population of Jharkhand is multidimensionally poor, therefore making it the second poorest state in the country.
Jharkhand has the 6th lowest per capita income in the country.
As per recent data, female literacy rate in Jharkhand rose from 39% in 2001 to 56% in 2011.
According to recent data, Jharkhand’s life expectancy at birth is 64.7.
In 2022, Jharkhand witnessed about 5.18 thousand road accidents, causing significant loss of life, injuries, and property damage.
In 2018, the suicide rate of Jharkhand averaged 3.60 suicides per day, increasing to 4.5 per day in 2019, and further rising to an average of 5.5 per day in the first six months of 2020.
As per the 2011 census, the last estimated population of Jharkhand is approximately 32.9 million, which forms 2.72% of the national population. Among this population count, 16.9 million is the male population and 16 million is the female population. Moreover, the rural population of Jharkhand is 25 million, whereas the urban population is 7.9 million.
*Last census in Jharkhand took place in 2011, and the next census, scheduled for 2021, is postponed until 2024
In Jharkhand, the literacy rate has been rising and currently stands at 66.41 percent (as per 2024 data). Among males, the literacy rate is 76.84 percent, while among females, it is 55.42 percent.
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Jharkhand Godda is a state that is known for its holy sites, hills and waterfalls, and ethnic groups. However, a large portion of the citizens of Jharkhand Godda are deprived of basic amenities despite having access to abundant natural resources. Moreover, in Jharkhand Godda, the average yearly rainfall is 1200-1300 mm and is very unpredictable. This also results in excessive runoff, leading to soil and water conservation issues. Therefore, keeping these situations in mind, the residents of Jharkhand Godda should prioritize the future well-being of their families and buy term plan, which comes at much affordable premiums, and will provide comprehensive financial protection. Term insurance provides financial security to your family in the unfortunate event of your death, ensuring they are not burdened financially.
Term Plans
You can find the best term insurance plans in Jharkhand Godda online at Policybazaar. And there, you can easily use the comparison tool to compare the several plans available based on your criteria and needs. With Policybazaar, you can quickly compare term insurance plans from 15+ top insurers and buy the plan that best suits your requirements.
| Term Insurance Plan | Entry Age | Sum Assured | Additional Benefits |
| ICICI Prudential iProtect Smart | 18 to 65 years | Rs. 50 Lakhs to Rs. 20 Crores |
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| HDFC Life Click 2 Protect Super | 18 to 65 years | Rs. 50 Lakhs to Rs. 20 Crores |
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| Max Life Smart Secure Plus | 18 to 60 years | Rs. 25 Lakhs to Rs. 1 Crore |
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| TATA AIA SRS Vitality Protect | 18 to 60 years | Rs. 50 Lakhs to Rs. 2 Crores |
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| Bajaj Allianz Life eTouch | 18 to 55 years | Rs. 50 Lakhs to Rs. 10 Crores |
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| PNB MetLife Mera Term Plan Plus | 18 to 50 years | Rs. 50 Lakhs to Rs. 10 Crores |
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| Canara HSBC Young Term Plan - Life Secure | 18 to 45 years | Rs. 25 Lakhs to Rs. 20 Crores |
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| Kotak Life e-Term | 18 to 65 years | Rs. 50 Lakhs to Rs. 10 Crores |
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| Bandhan Life iTerm Prime | 18 to 65 years | Rs. 25 Lakhs to Rs. 20 Crores |
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| Edelweiss Life Zindagi Protect | 18 to 65 years | Rs. 50 Lakhs to No Limit |
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| ABSLI Salaried Term Plan | 21 to 55 years | Rs. 50 Lakhs to Rs. 5 Crores |
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| SBI Life eShield Next | 18 to 65 years | Rs. 50 Lakhs to Rs. 10 Crores |
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If you have any doubts/questions, you can reach Policybazaar at their Claim Assistance Helpline Number: 1800-258-5881.
Further, you can also find help by logging into your account on their website or using the Policybazaar app.
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Jharkhand Godda is a predominantly rural state and every year, majority of the regions in Jharkhand Godda encounters several challenges, like heavy rainfall, soil erosion and frequent floods. These unpredictable situations make term and life insurance a safety net in Jharkhand Godda. Here are some other reasons why you should buy term insurance in Jharkhand Godda:
Cover Against Multiple Risks: Jharkhand Godda faces various risks including natural disasters, health emergencies, and socio-economic challenges such as extreme poverty. Term insurance offers a safety net by providing a death benefit to beneficiaries, easing their financial burdens if the policyholder passes away. Term plans are affordable and simplify the buying process for residents of Jharkhand Godda.
Income Replacement: In a state like Jharkhand Godda, where unemployment is common issue, losing the only breadwinner of the family can cause serious financial burden to the family. Term insurance helps by replacing the lost income, thereby, supporting the families maintain their current lifestyle and cover additional and future expenses.
Affordability of Term Plans: Jharkhand Godda, being a rural state, seeks for insurance plans that are cost-effective. Therefore, term insurance plan is the best option as it is the most affordable form of life insurance and usually offers a high life cover at very low premium rates. This makes it possible for people living in Jharkhand Godda from diverse socio-economic backgrounds to easily secure their families.
Provides Peace of Mind: Peace of mind comes from knowing your loved ones will be financially secure if something happens to you unexpectedly. It lets you focus on other parts of their lives without worrying about their financial well-being.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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