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Opt for Term Loan Rather than Home Loan Insurance

To cover your home loan liability, you will be better off opting for an online term plan rather than a Home Loan Protection Plan (HLPP) for a number of reasons. One, online term plans are cheaper than HLPPs. Two, it is easier to compare the term plans offered by different insurers as premium, riders and sum insured options are the standard factors for evaluation. On the other hand, a bank offers a single option for HLPP. The customer doesn't get the benefit of comparing prices and can end up paying a much higher premium than the best plan available in the market.

Another disadvantage of HLPP is that the payment is often through a single premium. If you prepay the loan before the full tenure--say, a 20year loan within 10 years--you will lose the premium paid for the remaining term as that money is not refunded. Finally, in case you transfer the home loan from one bank to another for the lower interest charged by the latter, there could be hassles in porting the home loan protection plan. Since the term cover is separate from the home loan, you can keep or jettison it according to your needs.

For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call

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