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Get Spam-Free Term Insurance by Ditto: Join 10 Lakh+ Trusted Indians👇 ➡️ https://ditto.sh/8gcuy7 This video explains how to think about insurance from a risk-first perspective rather than a product-first one. Using a simple four-part risk mitigation framework based on frequency and severity, it shows how to decide which risks should be avoided, retained, mitigated, or transferred to an insurer. The discussion then moves to why insurance riders exist, how they create a powerful synergy between health and life insurance, and which riders genuinely strengthen financial protection beyond a basic term plan. It also breaks down the five major riders, who they are meant for, and where riders are often mis-sold. I explain the hidden traps buried in policy asterisks, explaining how definitions, exclusions, and fine print are used to protect institutional profits and reject claims, so viewers can make informed, long-term insurance decisions instead of buying coverage blindly. _________________________________________________________________________________________ Get in Touch: ⏩ Email Us - support@finology.in 🌐 Website - https://www.finology.in/ 📞 For queries, contact - 022-489-66660 _________________________________________________________________________________________ ➡️ Get 30 Stocks For Long Term: https://tinyurl.com/30stocks ➡️ Open Zerodha Demat Account for FREE - https://zerodha.com/open-account?c=ZM... ➡️ Join my WhatsApp channel: https://whatsapp.com/channel/0029Va8O... ➡️Buy Investonomy: https://amzn.to/4jkeM09 _________________________________________________________________________________________ Disclaimer: Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This content is not investment advice or a recommendation. Past performance does not guarantee future results. Data, expense ratios, portfolio holdings, and riskometer classification can change. Viewers should conduct their own research and consult a registered investment adviser before making any investment decisions.