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Latest Articles in life insurance

5 Reasons To Not Use Traditional Life Insurance Plans To Save Taxes This Year

Don't go for traditional or non-linked Life Insurance plans to save taxes. Use term plans to build out a significant death benefit, and ELSS Mutual Funds to fill in your Section 80C gap. Within the Life Insurance space, ULIP's are a far better long term bet compared to traditional policies

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5 Common Insurance Myths Busted

If you must insure a life, it should be your own – with your child as the nominee. Doesn’t that make a lot more sense?

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Trends And Outlook For Life Insurance In 2018

2018 will be the witness of unique distribution models that includes India Post Payments Bank (IPPB) getting into selling insurance products

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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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