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Latest Articles in life insurance

Plan Ahead To Live And Leave Well

Financial needs are unique to your distinct life-stage and risk-appetite, and will acquaint you to your own levels of financial discipline

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Three Life Insurance Planning Mistakes To Avoid

Most Life Insurance plans, barring some low-cost ULIP's, make for lousy retirement planning solutions

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The Lifetime Security

Weigh the pros and cons before you sign your life savings over to a life insurance company. Once you buy an annuity plan, you permanently lose access to your hard-earned capital – PMVVY is an exception

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Three 'Compounding Killer' Investing Habits To Avoid

The next time you're about to fall for this pernicious little trap, take a pause and consider that doing so would almost fully negate any compounding benefits that could have accrued on this corpus

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5 Reasons To Not Consider Non-linked Life Insurance Plans

Non-Linked Plans have very poor exit options. They do not attain a surrender value until after you've paid the third premium, and post that, the amount you can recoup from the plan in any given year builds up gradually to 90% or so over several years

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3 Misleading Life Insurance Marketing Communications That Are Doing The Rounds

Here's a compilation of the top three most misleading insurance marketing communications that are doing the round these days. As they say in Life Insurance parlance - "Caveat Emptor" or "Let the Buyer Beware!"

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5 Questions To Ask Your Life Insurance Advisor Before You Buy

If only we had a rupee for every time someone bought a Life Insurance policy without fully understanding its features, we'd surely be millionaires by now! The next time you decide to add to your Life Insurance portfolio, make sure you ask your Advisor these 5 questions before you sign off

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Estimating The "Returns" From Your Traditional Life Insurance Policy

Do you hold a traditional life insurance plan that guarantees you certain benefits but doesn't directly show you where your money is invested, like a ULIP does? If yes, chances are that you won't have a valid answer to the seemingly innocuous (and important!) question - "what are the annualized returns that I can expect from this policy?"

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Is The Recently Launched PMVVY A Go Or A No-Go?

In a financial world replete with fine prints and disclaimers, PMVVY surely scores in terms of simplicity: the retired (60-plus) annuitant commits a lump sum of money at the beginning of the plan, and starts receiving an “end of period” annual, bi-annual, quarterly or monthly income for the next 10 years.

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The Importance Of Goal Protection

Life Insurance, really, is a selfless act towards ones dependants. From a goal planning standpoint, purchasing a dedicated term plan to protect that goal is akin to "ensuring that your goal is met, even if you're not around"

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What Your Life Insurance Advisor May Not Be Telling You

Here's the good news - IRDA stipulates that you can change your mind within 15 days of the policy issuance, and you'll get your money back, no questions asked!

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My Life Insurance Company Says It'll Triple My Investment In 20 Years: Isn't That Fantastic?

Insurance related SMS marketing campaign could be misleading. Lately, there's an SMS doing the rounds about a policy that will purportedly "triple your investment in 20 years' time". Prima facie, this might seem like a fantastic opportunity. However, does it pass the 'dig a little deeper' test? Let's find out

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Why Life Insurance Commission Structures Need To Be Rationalized

Over the past decade, two things have been firmly established. One, life insurance is sold, and not bought, in India. Second, the profession of life insurance sales is becoming more and more ‘transactional’ in nature.

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LIC's New Offering: Lacking "Umang"

The purpose of this article is to simply illustrate the salient features of the policy while evaluating its efficacy as a savings cum insurance instrument

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Six Financial Decisions You May Regret Making Later

Over the years, we've seen some poor financial decisions get repeated over and over again by retail investors across the board. Try to avoid as many of these as possible and you'll be a step ahead of the pack

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