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Life Insurance Guide

Life Insurance Guide for smart investment decision from Bajaj Allianz Life
  • ULIP
  • Term
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What makes ULIP a secure long-term investment

Why ULIPs Are A Secure Long-Term Investment

Over the course of your life, you will no doubt envision several goals. Some of these will be for the short term, while others may be for the long term. Some such long-term goals could include purchasing your dream home, saving up for your children’s higher education, and even creating a retirement fund for your golden years.

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Absolute Returns In ULIP Plans

Absolute Returns In ULIP Plans Explained

Protecting your family’s financial future and investing to ensure that your life goals are achievable are two of the key aspects that you will no doubt want to include in your financial plan. In other words, insurance and investments are both essential to securing your future and the future of your loved ones.

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Minimum amount to invest in ULIP

Minimum Amount To Invest In ULIP

Whether you are a beginner to investments, or a seasoned investor with a fair bit of knowledge about the markets, it is important to invest according to your risk profile and your life goals. Among the many investment options available to investors, some are better suited for conservatives who prefer to take low risks, while others are ideal for more risk aggressive investors.

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Parameters to consider before buying ULIP

Parameters To Consider Before Buying ULIPs

Out of the many investment options available for long-term wealth creation, ULIPs occupy a special place in the roster of financial products. Ranging from multiple tax benefits to a life insurance cover, this investment option offers a plethora of benefits to the average investor. If you are wondering what a ULIP policy is, and what the factors that you should consider before investing in one are, here is some in depth information that can help you out.

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Asset allocation benefits in ULIPs

Benefits Of Asset Allocation In ULIPs

ULIPs offer many benefits to investors. Right from a life insurance cover to market-linked investment opportunities, the ULIP benefits available to investors are many and varied. Among the many beneficial features that ULIPs come with, asset allocation is an important one. To understand what asset allocation is and what the ULIP benefits linked to proper allocation are, let us begin by understanding the answer to the fundamental question - what is a ULIP plan?

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ULIPs vs Savings Plans

7 Advantages ULIPs Have Over Savings Plans

Investing in the right financial instrument is extremely essential in order to satisfy your financial goals and objectives on time. With so many investment options to choose from, it is quite natural to find yourself in a tough spot. If that is your case, then maybe you should consider investing in a ULIP. A ULIP investment option comes with several benefits and advantages and can help you achieve long-term market linked wealth creation.

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Types of ulip

What Are Type-1 And Type-2 ULIPs?

Serving as one of the preferred financial tool for both investment and insurance, ULIPs are one of the most popular investments made in today’s time. Moreover, they offer an array of tax benefits and a flexibility in ULIP investments as per your specific financial goals and priorities. However, most investors are unaware that ULIP plans can also be placed into two distinct categories - Type 1 and Type 2. While both of these categories of ULIPs have their own advantages, it is important to first understand how they operate and how they can specifically benefit your financial goals. Here is a closer look at Type 1 and Type 2 ULIPs, their differences and their pros and cons.

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Fulfil wealth goals using ULIP

Tips To Catch Up With Your Wealth Goals Using ULIPs

The financial markets in India offer a variety of investment options for investors in India looking to create wealth over the long term. Some of these options offer guaranteed, non-market linked returns, while others offer market-linked benefits. Among the plethora of alternatives available to choose from, ULIPs are a unique category of products that give investors the dual benefits of investment as well as insurance. With ULIP in your portfolio, you can balance your life insurance as well as investment needs.

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How to choose the best ULIP plans in India

How To Choose A Suitable ULIP Plan In India For Yourself

Most investors tend to focus a lot of their attention on the investment and wealth creation aspects alone. While it is not a bad idea by any means, life can be very unpredictable. Therefore, it is necessary to account for this unpredictability factor. The best way to do so is by opting for a life insurance plan since it also offers your family the financial protection they need.

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Compare ULIP Plans In India

Compare ULIP Plans In India

A ULIP, also known as a Unit-Linked Insurance Plan, is essentially a financial instrument that combines the elements of insurance and investment. In addition to providing you with a life cover, a ULIP also gives you the opportunity to create wealth by investing your premiums in the financial markets through funds of your choice.

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ULIP vs term insurance

ULIP vs Term Insurance – Know The Difference

Term Insurance and ULIP (Unit-Linked Insurance Plan) are two important types of insurance plans. In order to figure out which of these crucial insurance plans will suit your needs, you need to know the difference between the two through a comparative analysis of ULIP vs Term insurance. Insurance plans are meant for financial protection against the emergencies of life. Depending on the type of emergencies they cover and the services they offer, there are a variety of insurance plans offered by life insurers. Unit Linked Insurance Plans (ULIP plan) offer protection as well as opportunity for wealth creation. Term Insurance plans offer comprehensive coverage at affordable rates and are not meant for investment purposes.

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Advantages of ULIP

How To Take Advantage Of ULIP Plans

Investment is an essential requirement owing to the enormous benefits it offers in terms of saving and helping existing funds increase. Investment can also be intended towards ensuring your own protection such as through insurance plans.

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5 features of ULIP

5 Features Of ULIP You Didn’t Know

Unit Linked Insurance Plans (ULIPs) are fast emerging as one of the most preferred choice of investment for people who have different kinds of life goals. Straight from youngsters who have just started their professional careers to older professionals who are nearing retirement, ULIPs continue to be a one of the preferred choice of investment instrument for all of them. The features of ULIPs are such that the benefits are numerous which ensures its evergreen popularity.

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ULIP Investment during COVID-19

Importance Of ULIP During COVID-19 Pandemic

During the ongoing pandemic, there is no better gift to gift to your loved ones than financial security. Going directly for an insurance policy that covers COVID-19 may appear to be one of your best bet, but there are a slew of pre-existing financial products that can give you the benefits you need to stay secure during this time and after. One such financial product is ULIP investments.

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ULIP insurance

ULIP Insurance – Know Difference Between Sum Assured & Fund Value

The Indian financial markets host a plethora of investment options, many of which offer a variety of benefits to investors. Among these are ULIPs or Unit Linked Insurance Plans, which offer investors the dual advantages of insurance and investment. Before you invest in ULIPs, it is important that you understand how they are structured and what the main jargon associated with them stand for.

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Know how to cancel ULIP

Thinking Of Surrendering Your ULIP? Here’s Why You Shouldn’t

Before investing in an insurance plan of any kind, it is important to ensure that it aligns with your long-term goals and objectives. This is perhaps more true in the case of Unit-Linked Insurance Plans than most others. With the combined ULIP benefits of both investment and insurance, they are specifically suited for fulfilling the long-term goals of a variety of investors.

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Can we withdraw ULIP

ULIP Withdraw Conditions – Know All About It

In today’s age, ULIPs have firmly established their place as a reliable financial tool that can serve the function of both investment and insurance. For those looking to secure the financial future of their families while simultaneously making investments to meet financial goals, ULIPs are one of the preferred choices. However, one of the many ULIP benefits is the partial withdrawal feature, which prompts many to wonder if and how this feature can be availed. To dispel such doubts and understand the conditions and limits surrounding ULIP withdrawals, let us explore the topic in detail:

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ULIP benefit illustration

How To Read A ULIP Benefit Illustration

As an investor and a taxpayer, you have probably wondered: "What is ULIP" A Unit Linked Insurance Plan (ULIP) is one of the many tax-saving investment options available for investors. It is a life insurance policy and an investment plan rolled into one product. The key to understanding the answer to the question “What is a ULIP?” lies in how the premium is used. It is used to provide a life insurance cover and it is invested in the financial market, so your investment can give market-linked returns over the course of the policy duration.

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Staggered ULIP payouts

Staggered ULIP Payouts - How It Safeguards Your ULIP Investment

A unit linked insurance plan (ULIP) is a life insurance product that allows the insured to generate market-linked returns by taking advantage of different types of funds. With ULIP investment, you get life insurance protection, wealth creation opportunity and tax savings rolled into a single instrument.

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ULIP investment plans FAQ

ULIP Investment Plans – Frequently Asked Question

A unit-linked insurance plan provides insurance with investment in market linked funds. ULIP plans provide protection along with wealth creation. A professional fund manager handles the investment corpus and investors are provided various ULIP fund options to choose, ranging from debt to equity funds.

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Are ULIPs good for long term

Are ULIPs Good For Long Term?

Yes, ULIP plans are one of the preferred investment options for the long term. ULIPs are a financial tool that helps you enjoy the protection of an insurance cover and simultaneously provide investment opportunities. If you dream of owning a house in 15 years or going on a world tour after retirement, ULIP investment is the ideal option for you. Though ULIP is an insurance product, it provides all the benefits of an ideal investment product like tax savings and market-linked returns.

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Manage ULIP investment during market correction

How To Manage Your ULIP Investment During A Market Correction

The Indian financial sector has evolved rapidly in the last few decades. The customer base and product offerings have grown manifold. Unit-linked insurance plans or ULIP plans have emerged as one of the preferred investment options. ULIPs are financial products that provide dual benefits of insurance and investment. ULIP investments ensure you remain protected by life insurance while your savings grow over time. The premiums paid are invested in the stock or bond markets and the profits are shared with the policyholders.

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ULIP funds

ULIP Funds – Know Everything About Them

ULIPs are one amongst the most preferred investment options in the Indian financial markets right now. They offer alternative investment solutions for investors with varying risk profiles with a life insurance cover component as well. So, irrespective of whether you’re a conservative investor or a risk-taker, you’ll find ULIP funds that fit right into your risk-reward graph. Getting to know more about the kind of funds available in a ULIP plan helps you structure your investment smartly. Furthermore, allocating your money across different funds in a prudent manner also helps maximize your ULIP returns.

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ULIP premium

How Your ULIP Premium Gets Utilized

ULIPs are investments that offer a two-fold advantage to investors. Firstly, there’s the ULIP insurance component, which is directed toward giving you a protective life cover to safeguard you from any contingencies in the future. And secondly, there is an investment component that helps your capital appreciate over time. With the advantages offered by the ULIP insurance component and the investment component, you can protect your future and the future of your family, while also simultaneously ensuring savings to meet your long-term financial goals.

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Are ULIP plans good

Are ULIP Plans Good?

Yes, ULIPs are one of the preferred investment options that provide a variety of advantages to the investor. If you’re on the fence about parking your funds in a ULIP plan, you’re perhaps wondering: why should I Invest in ULIP? To help resolve this dilemma, it’s an excellent idea to get to know the many ULIP benefits you stand to gain by purchasing this investment product which further helps you move a step closer to getting your Life Goals Done.

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ULIP renewal

ULIP Renewal – Know All The Ways To Renew Your ULIP

When you invest in a ULIP plan, you have the option to choose your premium payment mode. You can choose to pay your premium as a single lump sum payment or pay your premium periodically as well. Depending on the premium payment frequency which could be monthly, quarterly, half-yearly or annually, you are required to pay premium every month or as per the chosen frequency. Such payment is known as renewal premium, since it contributes towards renewal of your ULIP plan. Paying your premium on time is essential if you wish to continue enjoying your ULIP benefits. Fortunately, there are many ways to make the premium payment needed to renew your ULIP. Read on to discover more about why ULIP renewal is important and how you can pay your renewal premium.

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How To Invest Money

How To Invest Money With ULIPs

Over the years, unit linked insurance plans (ULIPs) have evolved as one of the effective and popular protection, investment and tax-saving products for Indian investors. After numerous changes and multiple upgrades, today’s New Age ULIPs are one of the preferred wealth generation tools available in India.

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ULIP plans in India

ULIP Plans In India – A Step-By-Step Buyer’s Guide

The financial sector in India has evolved over time. The number of insurers, banks, asset management companies and brokerage firms have grown over the years giving customers a wide variety of choices. But multiple options often cause confusion. It is always easier to decide when you have limited choices. The confusion arises at two levels—the type of product and the service provider. For instance, if you want to buy a life insurance plan, you will have to choose between various insurance plans such as a unit-linked insurance plan, term insurance plan, money back plan or a whole life plan.

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Can NRI’s buy ULIPs in India

Can NRI’s Buy ULIPs in India?

Yes, Non-Resident Indians (NRIs) can buy ULIPs in India. The Foreign Exchange Management Act (FEMA) permits NRIs to make investments in India, and this includes investments in Unit Linked Insurance Plans. There are absolutely no restrictions preventing NRIs from investing in ULIP plans, provided that they satisfy all the Know Your Customer (KYC) norms for investing in such life insurance-investment plans.

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How does ULIPs work

How Does ULIP Work

A Unit Linked Insurance Plan (ULIP) is one of the preferred tax-saving investment options for investors in India. It gives you the benefit of capital appreciation combined with a protective life cover. Effectively, a ULIP is a life insurance plan that offers the advantage of market-linked investments. You can choose which ULIP funds to invest in based on your risk appetite and life goals you want to achieve.

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ULIP policy management tips

How To Manage Your ULIP Policy

A unit linked insurance plan (ULIP) is the only market-linked investment option that gives you the triple advantages of insurance protection, wealth generation and tax benefits. Not only that, some ULIP policies gives investors the flexibility of switching funds free of charge to maximize returns.

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ULIP insurance investment needs

How ULIP Meets Your Insurance And Investment Needs

The insurance industry in India witnessed an upward growth trajectory during FY19, with the gross premiums written for both life and non-life sectors reaching Rs. 5,78,000 crores [1]. Insurance companies have started leveraging technology to offer customized solutions in an efficient and seamless manner to the policyholders, while providing competitive pricing.

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ULIP calculator guide

ULIP Calculator – Know All About It

Unit Linked Insurance Plans (ULIPs) are one of the preferred investment options available to investors who wish to obtain the dual benefit of insurance combined with capital appreciation. In a ULIP plan, a part of the premium you pay goes towards providing you with a life cover, while the rest of the premium is invested in market-linked funds. The returns from this investment is what you get to enjoy as maturity benefits when the tenure of the plan is completed.

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ULIP maturity benefits

ULIP Maturity Benefits - Know Tax Implications On Your ULIP

One of the prime reasons for investing in a Unit Linked Insurance Plan (ULIP) is to achieve your life goals. Moreover, in case of death of the policyholder, the nominees receive a death benefit thereby securing the financial goals of their loved ones even in their absence. However, if the policyholder survives the policy, he gets the maturity benefits. Moreover, you can claim deduction up to Rs. 1,50,000 on taxable income under Section 80C of the Income Tax Act, 1961, subject to provisions stated therein.

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Don’t exit your ULIP

Why You Shouldn’t Exit Your ULIP After Lock-In Period Ends

While investing in any life insurance plan, it is important to ensure that the product features align with your long-term goals. One of the options available is the Unit Linked Insurance Plan (ULIP), which provides life insurance along with an opportunity to get market linked returns. A ULIP enables investors to pursue their objective of wealth creation through investing in equity or debt-based funds (or both) in accordance with their long-term goals. ULIPs have become one of the most popular investment tool that also provides life insurance cover along with investment opportunities that help you achieve your life goals.

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ULIP investment terminology

ULIP Terminology - 12 ULIP Terms You Should Be Familiar With

A ULIP policy is a combination of investment and insurance. Flexibility and financial security are the key benefits offered by ULIP policies. Besides, ULIP investments may garner substantial returns to help policyholders achieve their life goals like travelling, pursuing hobbies, retirement, etc. The dual benefits of investment and insurance can help you get your family goals done.

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Save tax with ULIP

How ULIP Helps You Save Tax

When choosing an investment option, it is important to consider its tax implications apart from the risk and potential returns. The most common type of tax benefit an investment offers is in the form of tax deductions. This reduces your taxable income and thus helps you save tax. In this article we take a look at tax benefits offered by ULIP plans.

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4 ULIP fund switching benefits

Fund Switching In ULIPs – All You Need To Know

When investing in ULIP plans you have an option to invest in equity funds, debt funds or combination of equity and debt funds. What’s more, ULIP plans offer you the option to switch between these funds as per your investment needs and risk appetite.Fund switching allows you to move your investments partially or fully from one fund to another fund within the same ULIP plan.

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ULIP insurance benefits

Advantages of ULIPs and Traditional Plans

The prime motto of life insurance policies is the security of the policyholder and his family. As the needs of an individual change, his insurance requirement increases. The life insurance sector has developed due to the rise in the demands for policies. Today, an investor is spoilt for choice with multiple options of life insurance policies. These plans are largely categorized into two parts: Unit Linked Insurance Plans (ULIP) and Traditional life insurance plans.

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2 types of ULIPs

Understand ULIP plans – 2 types of ULIPs

A ULIP plan offers its policyholders dual benefits of investment and insurance in a single product. Moreover, its flexibility and transparency attracts a lot of investors. Due to its multiple advantages, it has become a popular life insurance product.

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ULIP performance monitoring

ULIP Fund Performance - Why You Should Monitor Your Investment

When it comes to investment, a majority of  people look around to invest in a Unit Linked Insurance Plan (ULIP). However,  there are times when an investor invests in a ULIP Policy where they have to  choose funds based on their risk appetite. 

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ULIP returns in 10 years

Two Ways to Estimate Your Return on Investment

A Unit Linked Insurance Plan (ULIP) is considered as one of the most preferable means of investment today. ULIP Investment, which was once associated with higher costs, has changed the game for itself due to low costs and potential to earn high returns.

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What are new-age ULIPs

5 Benefits Of Investing In New-Age ULIPs

Majority of investors would prefer traditional life insurance plans. Although a Unit Linked Insurance Plan (ULIP) has been there for quite some time now in the market, not many consider a ULIP investment because of various reasons.

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What are online ULIPs

4 Reasons To Buy Online ULIPs

Due to the emergence of E-commerce, the driving need to purchase financial products online has significantly increased. To keep up with the advent of technology, insurance companies have evolved with the introduction of electronic transactions

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Plan for retirement with ULIP

How ULIP Helps You Plan For Retirement

When we think of retirement, an image crops up in our mind of a retired couple, full of smiles as they relax on a beautiful beachside. While each one’s idea of retirement may be different, all of us want to be in a situation

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ULIP Helps Achieve Long-Term Life Goals

How ULIP Helps You Meet Your Long-Term Life Goals

Are you planning for a down payment of your dream house in another 5 years? Or do you want to spend your 25th marriage anniversary at a luxury villa in the South of France? The good news is that you can actually make these dreams possible.

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What Is Investor Selectable Portfolio Strategy In A ULIP?

What Is Investor Selectable Portfolio Strategy In A ULIP?

Most of us have long-term life goals that require substantial wealth creation. While there are many asset classes available to investors these days, but choosing the right ones, or the right mix for your portfolio, can be difficult.

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What Is Auto Transfer Portfolio Strategy In A ULIP?

What Is Auto Transfer Portfolio Strategy In A ULIP?

Whether your goal is to send your kids to the best management college or to retire on a beach-house in Greece, investing for your life goal is essential. In order to make meaningful returns, it is very important to play slow and steady in the financial markets - especially if you are starting young or are not too familiar with the investing nuances.

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How ULIPs Offer Protection From Inflation

How ULIPs Offer Protection From Inflation

While there are a variety of factors that influence inflation and theories about its root cause, for consumers and investors, the end result is the same - prices rise. When prices rise, we cannot buy as much as we could previously.

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What Is Trigger Based Portfolio Strategy In A ULIP?

What Is Trigger Based Portfolio Strategy In A ULIP?

The first step towards wealth creation for the fulfilment of your life goals is making investments. Over time, what really drives your wealth is how you invest. Hence it is important to adopt a prudent portfolio strategy that is fine-tuned to your goals and risk appetite. 

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What Is Wheel Of Life Portfolio Strategy In A ULIP?

What Is Wheel Of Life Portfolio Strategy In A ULIP?

When we are young, our ability to take risks in life is higher but as we grow older we become more and more cautious. When this philosophy is applied to our 

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5 Reasons To Make Monthly ULIP Investments

5 Reasons To Make Monthly ULIP Investments

Many investors choose to invest for their life goals in the stock markets because of the potential high-risk high-reward proposition that equities offer. 

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5 Reasons To Get A ULIP With Your Salary Hike

5 Reasons To Get A ULIP With Your Salary Hike

It is that time of the year again when most of you get your appraisal letters, listing out your annual increment and bonus.  This means you will have a higher income

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3 ways in which ULIPs help you save tax

ULIP Tax Benefits - Know 3 Ways In Which ULIPs Help You Save Tax

If you are reading this, the chances are that you are exploring ways to reduce your income tax liability and also make some smart investments that help you create wealth.

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ULIP Funds - Understand The Fund Switching Option

ULIP Funds Switching - Know How It Works

Unit Linked Insurance Plans (ULIPs) come with the dynamic option of Fund Switching, which provides the much-needed flexibility to this investment product. 

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Why Return of Mortality Charge (RoMC) is a Revolutionary Idea

Why Return of Mortality Charge (RoMC) is a Revolutionary Idea

Over the last few years, keeping in mind the customer's feedback and needs, the regulator and the life insurance industry have helped ULIPs evolve considerably to provide more benefits to customers

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RoMC - The Key To Long-Term Investing

RoMC - The Key To Long-Term Investing

Investing in a disciplined way over an extended period of time has many benefits. First, it helps you tide over the market volatility. Second, when you give time to your investments

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Know How RoMC Enhances Your ULIP Investments

Know How RoMC Enhances Your ULIP Investments

Unit Linked Insurance Plans (ULIPs) have emerged as a befitting investment vehicle, post the many significant regulatory reforms introduced between 2010 and 2013. More and more investors are investing in

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Your Guide to ULIP Insurance Riders

Your Guide to ULIP Insurance Riders

A Unit-linked Insurance Plan (ULIP) is designed and structured in a way that takes care of both your life insurance and investment needs. Yet, there might be some unforeseen circumstances in life which might deter your ability to earn

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Why You Should Remain Invested For The Full Tenure In ULIPs

Why You Should Remain Invested For The Full Tenure In ULIPs

There's a popular refrain in the financial circles, Don't try to time the market, instead give your investments enough time to grow. This is more so in the case of investments in equities

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A Guide to ULIP charges to invest better in them

A Guide to ULIP charges to invest better in them

Investing for your life goals is the key to turn those goals and aspirations into reality. As a responsible investor, it is important to set aside a portion of your income every month for your goal-based investments.

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What are different types of ULIP funds?

What are different types of ULIP funds?

Unit Linked Insurance Plans (ULIPs) provide the dual benefit of insurance cover and wealth creation to its investors. Which means policyholders get life cover along with the opportunity to invest in a number.

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3 reasons why ULIP plans are one of the preferred choice for equity investments

3 reasons why ULIP plans are one of the preferred choice for equity investments

Inflation is the biggest factor you need to watch out for while investing. This is because inflation eats into your savings over a period of time. In a high growth economy like India, savings have to find their way into instruments that offer to take on inflation.

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4 ULIP investment tips one should never forget?

4 ULIP investment tips one should never forget?

Picking the best restaurant or cafe is a much easier task today, thanks to the internet! All that you need to do is, check out the online reviews, ambience, photographs and of course the day's menu and offers! Just like you select a restaurant or cafe after reviewing the above factors.

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Realise your Life Goals with a proper goal-based investment plan

Realise your Life Goals with a proper goal-based investment plan

Are you a young aspirant wanting to achieve something big in life? Like starting your own business or graduating from a premier institute or buying the bungalow of your dreams? Well, your life goals can be realized, all it will take is passion, hard work.

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Why monthly investments in ULIPs make sense?

Why monthly investments in ULIPs make sense?

The daily ups and downs in the stock markets can be incredibly unnerving for a retail customer and can dissuade them from investing in the markets.On March 1 this year, the Bombay Stock Exchange (BSE) Sensex closed at 34,047.

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How to plan your investments in the new financial year

How to plan your investments in the new financial year

We are just two months into the new financial year, and the time is still right to get your investment planning in place for the year ahead if not yet done. Taking stock of your past investments and reviewing your investment portfolio now will help.

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How to tide over market volatility with ULIPs

How to tide over market volatility with ULIPs

The fear of market volatility often keeps retail investors away from equity investment. It is this fear that deprives millions of investors from the benefit of tax-efficient and often double-digit returns that equities can offer in the long run.

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Achieve your long-term goals with ULIPs

Achieve your long-term goals with ULIPs

For meeting your long term life goals, equity as an asset class is quite suitable. What is required is a disciplined approach over a period of time, and before you know it, your dreams that could be purchasing a house,.

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Advantages of investing early in ULIP plan

Advantages of investing early in ULIP plan

There goes a saying, 'The early bird catches the worm'. In literary sense, it means that a person will have an advantage if they do or start something early. In the world of investments it means that the earlier a person starts investing,.

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Move a step closer to your Life Goals with prudent financial planning in online ULIP policy

Move a step closer to your Life Goals with prudent financial planning in online ULIP policy

The new calendar year has witnessed some volatility, especially for the broader markets (small/mid-cap space). In this scenario the retail investors have become doubly cautious while investing for their Life Goals.

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5 factors to help you choose the best ULIP plan

5 factors to help you choose the best ULIP plan

Investments are no longer just about saving for the rainy day. We want to invest to get best possible returns on our investments to achieve our life goals and aspirations. Over the last few years, Unit Linked Insurance Plans (ULIPs).

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Top 5 myths associated with ULIP investments

Top 5 myths associated with ULIP investments

The perception of ULIPs as an expensive and a risky investment tool continue to persist. However, over the last few years, ULIP plans have emerged as a preferred investment vehicle to not only provide insurance cover but to also gain advantage of equity investment.

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All that you want to know about mortality charges in ULIP investment

All that you want to know about mortality charges in ULIP investment

Mortality Charge is the bone of contention in ULIPs because many consider it primarily an investment vehicle. However, the fact is that mortality charges are part of any insurance product and it is easy to see why.

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What is a ULIP plan?

What is a ULIP plan?

It doesn't matter if your 20, 35 or 50. Whatever your age, you are sure to have certain life goals and dreams that you hope to fulfil. You may want to complete your MBA, or perhaps you want to make a down payment on your dream home.

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What is a ULIP NAV?

What is a ULIP NAV?

A unique insurance-cum-investment tool, Unit Linked Insurance Plans (ULIPs) is an insurance-cum-investment plan, which can help us meet our financial goals, while also providing insurance cover. These products are goal-oriented investments..

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Top-up facility in ULIP plans

How The Top-Up Facility Enhances Your ULIP Returns

Due to the rapidly growing demands for a Unit Linked Insurance Plan (ULIP), the investors wish to add value for money with a ULIP investment. Although the ULIPs have massively gained popularity, not many investors are completely aware of the features offered by a ULIP plan. One such feature that needs to be addressed to the investors is the top-up facility of a ULIP. With the help of a top-up facility, the investor can enhance the ULIP investment as well as channel his/her investment in the right direction to achieve his life goals.

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Income tax sections with term insurance tax benefits

List Of Income Tax Sections Under Which You Can Get Term Insurance Tax Benefits

A term insurance policy is one of the most affordable ways to secure the financial future of your family and ensure that their life goals remain unaffected. When you purchase a term insurance plan, you are essentially buying a life cover for a specified period.

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Does term insurance cover disability?

Does Term Insurance Cover Disability?

Purchasing a term insurance policy is one of the preferred ways to protect your family from the uncertainties of life. Not only is it easy enough to do, but is also very cost-effective. That said, many tend to equate term insurance benefits with something that is connected only with the death of the insured. However, that is simply not the case. There are several term life insurance plans that also cover other contingencies like accidents or disabilities suffered by the insured.

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Can I claim multiple term insurance plans

Claim Multiple Term Insurance Plans – Is It Possible?

Term insurance is the protection that you can secure not just for yourself but also to make sure that your family is cared for. As you start working your first job, it is vital that you design your life goals in a manner where you are able to set aside specific funds where your life goals can be met, especially to care for your family.

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Term insurance tax benefits on riders

Term Insurance Tax Benefits On Riders

While it is common knowledge that a term life insurance plan acts as a financial cushion for your family during an adverse event, not many are aware of the various term insurance tax benefits that come along with it. Surprised? Yes, term insurance plans offer several tax benefits to you. That is not all. Even the riders that term plans offer provide you with an avenue to reduce your overall tax liability. Wish to find out more? Then continue reading.

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Why it is safe to buy term insurance online

Is It Safe To Buy Term Insurance Online?

If you are planning to buy a term plan online but are nervous about how safe it is, this article is for you. In answer to the question, yes — it is safe to purchase an online term plan. When you are opting for a term insurance policy online, you have the option to log onto the insurance company’s website directly, browse through the variety of plans they offer, and choose the one that suits your requirements. Such websites also ensure that the transactions are protected and your personal details are secure.

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When to review term insurance coverage

6 Life Events When You Should Review Your Term Insurance Coverage

Life can throw unexpected incidents your way when you least expect it. Some may be welcome changes, while others may not. For the unexpected unfortunate incidents, what you need is a financial safety net that can help you and your family to tide over the tough times. The most affordable way to put such a safety net in place is to purchase term life insurance.

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Conditions for term insurance tax deductions and exemptions

Conditions for term insurance tax deductions and exemptions

Perhaps you are already aware of the term insurance meaning and that it provides your family with a financial safety net in the event of your untimely demise. However, did you know that a term insurance plan could also help you save tax? That is right. Here is some more information regarding term insurance tax exemptions.

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Tax benefits and refund details about term insurance

Tax Benefits And Refund Details About Term Insurance

A term life insurance plan is one of the preferred investment option, since it provides your family with a protective life cover that can help them carry on with meeting their life goals even when you are not around. That said many potential buyers of insurance tend to wonder - "Is term insurance tax free?"

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Why you shouldn’t surrender your term policy

Why You Shouldn’t Surrender Your Term Policy

Of the myriad of insurance options out on the market, a term insurance policy is probably the most affordable way to secure your loved ones. When you choose to buy term insurance online or offline, whomever you select as your nominee becomes eligible to receive a death benefit that can help them lead a stable lifestyle in your absence. Additionally, due to the lack of benefits on its maturity, pure term insurance also permits lower premium payments.

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Limited premium payment term in term insurance

Limited Premium Payment Term In Term Insurance

If you are looking for a way to secure the future of your family in the face of any unexpected developments, a term insurance policy can come to your rescue. There are many different types of term insurance plans in India, and you can check out your options before you decide on the term insurance plan that suits your needs and your family’s requirements.

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How term insurance secures your family

5 Ways In Which Term Insurance Secures Your Family

Term insurance plans in India are amongst one of the most affordable ways to secure oneself and one’s family from the unforeseen loss of the financial provider in the family.

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Why you should renew your term policy on time

Why You Should Renew Your Term Policy On Time

A term insurance plan or term policy is an insurance plan where one can, at affordable premiums, cover themselves and their dependents against financial uncertainties in case the policyholder passes away during the tenure of the policy. At a relatively low premium, term plans offer substantial coverage to policyholders. However, it is crucial to keep in mind the difference between traditional life insurance and term insurance. In the latter, if you were to live out your entire policy’s term, there is no benefit offered at maturity.

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Term insurance grace period

Term Insurance Grace Period Explained

Amongst the myriad of insurance options out on the market, a term insurance policy is probably one of the most affordable ways to secure your loved ones. When you choose term insurance plans, your nominee becomes eligible to receive a death benefit that could help them lead a stable lifestyle in case anything uncertain were to happen to the life assured.

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Online term plan vs offline term insurance

Difference Between Offline And Online Term Plans

Life’s uncertainties can often derail carefully laid plans. However, if you are looking for a solution to ensure that even in the face of uncertain circumstances, your loved ones can continue to live comfortably and achieve their life goals, you can always buy term insurance and secure your family’s financial future. If you are wondering about "What is term plan?" or "How to buy term insurance?" here is everything you need to know about offline and online term plans.

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Term insurance claim rejection reasons

Top 5 Reasons For Term Insurance Claim Rejection

If there is one thing everybody universally wants, it is to ensure that their loved ones do not suffer any financial burden even if they are no longer around. In case you are the primary breadwinner in your family, you will no doubt agree that if you had the option to ensure that your debts or your liabilities do not burden your family, and that they can continue to achieve their life goals as per the plan even in your absence, you will no doubt grab the opportunity.

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Guaranteed term life insurance

Guaranteed Term Life Insurance Explained

Investing in a term policy is one of the preferred ways to protect your family from financial troubles after your death. That is not all. There is absolutely no dearth of options and variations when it comes to term plans and they are very much customizable according to your needs and requirements. If you are wondering, what it is, continue reading to find out more about guaranteed life insurance plans.

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Term insurance with lump sum payout

Lump Sum Payout In Term Insurance

Term insurance is one of the preferred investment option to protect a family from the after effects of unpredictable events like the sudden and untimely death of an earning member. It keeps your family from going into financial distress arising out of loss of income.

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How to ensure your term insurance policy never lapses

How To Ensure Your Term Insurance Policy Never Lapses

As we all know it, life can be quite unpredictable. A crisis might just be around the corner and you may not know it. That is why it is extremely important to account for unforeseen contingencies and crises. One of ways to do that is through a term insurance plan. It can help keep your family protected even in the event of an unforeseen or untoward incident.

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Does term insurance cover natural death

Does Term Insurance Cover Natural Death?

In the event of your premature death, a term insurance plan is one of the preferred ways to protect your family from financial stress. One of the major term insurance benefits lies in the fact that it offers your family the financial assistance needed to achieve their life’s goals and objectives. However, does term insurance cover natural death? If this question is something that is running on your mind, here is some information that can help you out.

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Term insurance for single parents

How Much Term Insurance Do Single Parents Need?

Life insurance is one of the essential financial products for anybody who has any dependents. Young people with retired, aged parents who rely on them for their financial needs, working people with non-working spouses, and parents with children who are in school or college - all of these people may rely on life covers to ensure that their dependents are not left financially weak in case anything untoward happens to the earning member of the family.

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Why term insurance has low premiums

Why Term Insurance Has Low Premiums

Securing the future of your loved ones is undoubtedly on your priority list. While there are many ways to go about doing this, purchasing life insurance is one of the preferred ways to ensure that even in your absence, your family has the financial resources necessary to carry on and keep up with their life goals. Now, if you’ve have ever looked around for life insurance plans and compared the policies from different life insurance service providers, you would have no doubt come across term insurance plans.

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Joint term insurance vs separate term plans

Joint Term Insurance Or Separate Term Plans?

Life is uncertain and there is no way any of us can predict what the next will bring with it. Amidst all of this uncertainty, you will no doubt want to do everything in your power to safeguard the future and the needs of your family. One of the surest ways to do this is to buy a life insurance cover for yourself and for your family. That way, in case anything untoward happens to any of the breadwinners of the family, the surviving members will have a financial safety net to fall back on.

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Best Term Insurance for Cancer Patients

How To Buy Term Insurance Plan For A Cancer Patient

Cancer is a disease that can put families under tremendous physical, mental, and financial stress. Considering the brutal nature of this disease, it is of utmost importance for a family to buy term insurance to keep themselves financially protected. But then, does term insurance cover cancer?

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Term insurance vs health insurance

Know The Difference Between Term Insurance And Health Insurance

Many people remain unaware of the various insurance products and their benefits. When it comes to financially securing the future of your family, insurance products are one of the preferred investment cum insurance options available in the market right now. Most individuals have a hard time trying to understand the term insurance vs. health insurance concept. In fact, people may think they are the same. However, they are two distinct insurance products with different benefits and use cases. Here is an in-depth look into these two popular types of insurances.

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Term insurance buying guide

Term Insurance Buying Guide

When it comes to safeguarding yourself and your family against the uncertainties of life, there is little you can do. Life insurance, however, is one way to ensure that your loved ones can remain on the right track to fulfil your life goals even in your absence. Term insurance, which is the most affordable kind of life insurance, is a preferred choice for people looking for a purely protective cover. If you are unsure of how to get started and buy term insurance online or offline, this guide can help you out. To make things clear, let us begin with one of the most fundamental things you should know - term plan meaning.

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Pure term insurance plan

What Are Pure Term Insurance Plans?

If you’re looking for an affordable and fool-proof way to secure the future of your family in case something unexpected and untoward were to happen to you, a life insurance cover is one of the preferred solution for your needs. There is a plethora of choices available in the market today, and people looking for life insurance have a variety of policies and plans to choose from. Right from the level of coverage and the premium payment options to the additional riders and pay-out benefits, there are varied choices to make.

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Cheapest term insurance

Is Cheapest Term Insurance The Best?

Safety is something we tend to naturally prioritize in life. Right from locking our doors every night to using seat belts before heading out for a drive, we do all we can to remain safe. If you wish to extend this regard for safety to your family and loved ones, insurance is one of the ideal product to look for. Life is no doubt uncertain, and in case something untoward were to happen to you, insurance can help your family carry on without any financial stress even in your absence.

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Compare Term Plans | Bajaj Allianz Life

How To Compare Term Plans

Life can be uncertain when you least expect it to. While there are some things that you can predict or foresee, other emergencies may occur all of a sudden, in an unexpected manner. This is why it is always a good idea to be prepared for contingencies as much as possible. Insurance is a financial product that can help you fulfil this goal. Term insurance, which is the most affordable form of life insurance, is one of the preferred options for people keen on securing their financial future.

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Term insurance with money back

Term Insurance With Money Back – Yes, It Is Possible

Term insurance is the purest form of life insurance. It is essentially a type of a life insurance policy that provides the nominees or beneficiaries a death benefit in the event of the policyholder’s demise. In exchange for the life insurance cover, the policyholder is required to make regular payments known as "premiums" to the insurance company.

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What happens when term policy expires

What To Do When Your Term Insurance Policy Expires

Life takes many twists and turns, some expected, and some, quite unexpected. If the unexpected occurrences add value to your life, they are pleasant and easy to welcome. However, what if something untoward happens unexpectedly? In that case, it is important to have a financial safety net that can keep your loved ones secure and safe financially, and help them fulfil their life goals as per their original plan. Here is where a term policy appears. With term insurance in your financial portfolio, you can be rest assured that your family’s life goals - like the education of your children or the dream of your loved ones to live in their own home - remains on track and are fulfilled as per plan, even in your absence.

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Renewable Term Insurance

Renewable Term Insurance Explained

If you are looking for life insurance plans, there are many options to choose from. For the simplest and an affordable kind of life cover, you can opt for term insurance plans in India. These plans are mostly suitable for everyone, irrespective of the budget you are shopping for, because term insurance premiums are very nominal.

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Term Insurance For Senior Citizens

Term Insurance For Senior Citizens

Most people tend to overlook term life insurance. However, they are one of the most cost-effective insurance options available for individuals. It helps you protect your family from financial stress in the event of your unfortunate demise and gives them financial benefits that help them carry on and achieve their life goals.

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Can term insurance be extended

Can I Extend My Term Insurance Plan?

When it comes to protecting your family financially, term insurance continues to be one of the most preferred options available to an individual. It helps keep your family financially secure even after your demise, thereby allowing them to fulfil their goals. However, most people buy term insurance plan for a specified time and post that the cover ceases. Therefore, the question of "Can term insurance be extended?" inevitably arises. If this is something that you have also been wondering, read on to find out.

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Know if term insurance premiums increase

Do Term Insurance Premiums Increase?

Life is unpredictable and fragile. You never know when something unexpected may throw all your plans out of order. Amidst such uncertainty, term plans offer some level of financial security to you and your family. The importance of term insurance has only been strengthened by the onset of the coronavirus pandemic. Incidentally, the rise in reinsurance costs appears to be affecting the premiums charged for offline and online term plans.

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Premium paying term

What Is Premium Paying Term?

While buying an insurance plan, you might have come across something called the "premium paying term". Have you ever wondered what that term stands for? If you have, then that is exactly what we will be looking into here. Let us begin by getting to know how a term insurance plan works.

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Best term plan in India

How To Choose The Best Term Plan In India For Yourself

Term life insurance is one of the key protection instruments that you ought to invest in. Life can take a turn for better or worse any moment, so it is only prudent to pick the suitable term plan in India as early as possible. Let us begin by answering the basic question — what is term insurance?

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5 year term life insurance policy

5 Year Term Life Insurance Policy

Term plans are life insurance products that help you secure the future of your family. When you buy term insurance, you will most likely look for a policy that offers a longer period of coverage. For example, a term plan that covers you for 20 years or 30 years may be something that you will naturally gravitate towards, because your intent is to secure the future of your family over the long term.

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Family term insurance

Family Term Insurance – Know All About It

Life is very uncertain, and the pandemic has only reinforced this fact. You never know when something untoward may happen to you, leaving your dependents devoid of their primary source of income. If you are the sole earning member in your family that may mean that, your beneficiaries do not have any other source of income to rely on in case of your unfortunate passing.

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Term insurance vs life insurance

Difference Between Term Insurance And Other Types Of Life Insurance

Life insurance policy is a contract between the policyholder and the life insurance company where the insurance company provides a lump-sum payment, known as death benefit to nominees/beneficiaries upon the life assured’s death or maturity benefit at the time when the insurance plan matures in exchange for an amount known as premium to be paid by the policyholder.

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Can we change nominee in term insurance

Can We Change Nominee In Term Insurance?

A term insurance is a type of life insurance plan, which provides life coverage in case of the policyholder’s unfortunate death. This enables one’s family to continue to afford a decent standard of living even if any unforeseen miss happening occurs in the life of the policyholder. Term insurance plan is purely an insurance plan and does not have any savings component in it. Hence, a term insurance plan cannot be used for investment purposes.

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Types of term life insurance

Types Of Term Insurance Plans In India

Life may be great for the most part, but at some point, uncertainties and unexpected events may happen. They may be sudden job losses, pay cuts, or even accidents. And almost always, such incidents come with financial difficulties. This is particularly true when there is sudden demise of the primary breadwinner in a family. Loss of the primary source of income can prevent the surviving members of a family from achieving their life goals as planned. In situations like these, a term insurance plan can be the saving grace that is needed.

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Group term insurance

What Is Group Term Life Insurance?

A term life insurance is an insurance plan that ensures that you are protected for a specific term you opt for, which can go up to 99 years depending up on the product opted for. If the person passes away during the term of the policy, the loved ones of the insured person gets death benefit. However, term insurance does not come with maturity benefits unlike traditional life insurance. Therefore, if the person passes on after the term of the policy, the policy no longer exists and there are no maturity/death payout under the policy. Term life insurance plans are less expensive than other life insurance plans.

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Term insurance terms and conditions

Common Term Insurance Terms & Conditions You Should Know

Term life insurance policies have emerged as one of the a popular choices among different age groups who wish to secure the wants and needs of their loved ones, in case of any unforeseen situations such as their own death.

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Term insurance eligibility criteria

Term Insurance Eligibility Criteria - Explained

At times of financial distress and uncertainty, it is great relief to have a safety net to help you cover for unexpected expenses. One of the most useful investments you can make to fulfil this purpose is that of a term insurance plan. There are a number of term policies that you can avail to meet your requirements as well as make the most of the many additional benefits they offer.

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What Is Policy Term

What Is Policy Term?

Even at the best of times, life can be unpredictable and emergencies can strike without a moment’s notice. Therefore, in order to never find yourself in a situation that is financially burdensome, it is recommended to avail a suitable term insurance plan to ensure a safety net.

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How to change nominees in term plan

How To Change Nominee In Term Insurance Plan

When you buy term insurance, most of the focus and calculation goes on arriving at the right coverage amount, the premium you have to pay, and buying riders and add-ons. While engrossed in these aspects, which are important of course, it is important to mention the nominee name without which the policy would not be issued. Having a nominee amongst your loved ones ensures that they are able to enjoy the benefits of the policy in case of any unforeseen event that could occur to you.

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Term insurance nominee

How To Choose Your Term Insurance Nominee

Worried about the financial security of your loved ones? Get yourself a term insurance plan. If you ask, "What is term insurance?" here is a definition that helps: A term insurance plan is a pure protection plan that ensures that your loved ones are taken care of in the unfortunate event of your demise during the policy term. A term insurance plan ensures that your family members get death benefit in such unforeseen circumstances.

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Can term insurance be claimed under 80D

How To Avail Term Insurance Tax Benefits Under Section 80D

Term insurance offers financial protection and security to your loved ones and yourself so that you are able to meet life goals in spite of all the uncertainties that life throws at you.

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Buy term plan that covers COVID-19

Buying A New Term Insurance Plan? Ensure It Covers COVID-19

If you are wondering what is term insurance, it is a life insurance plan that provides cover to a person for a specific term in consideration of premium payment. In the unfortunate event of the person’s death during the specific term, death benefit is paid to the nominee. Term insurance is a cost-effective solution as the premiums are relatively lower as compared to other life insurance plans.

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Check if term insurance is valid outside India

Is Term Insurance Valid Outside India?

One of the most effective methods of providing for your family in your absence is term insurance. The simple and affordable nature of the plan has enjoyed widespread appeal. Thus, it is natural that Non Resident Indians (NRI) and Persons of Indian Origin (PIOs) may consider investing in a term insurance policy. As of December 2018, the number of NRIs and PIOs stood at 31 million as stated in a report published by India’s Ministry of External Affairs.

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Term insurance quotes

Term Insurance Quotes - Factors That Determine Your Term Insurance Premium

A term insurance plan is the most popular and common insurance option that people initially opt to purchase. Right from the time you begin work, you should invest in a term plan as it offers the highest amount of protection. Term insurance ensures that everybody who is dependent on you will be looked after even if you are no longer around.

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Non medical term life insurance

Term Insurance Without Medical Tests – All You Need To Know

If there is anything that the current pandemic has put in sharp focus, it is the fact that it is vital to be prepared for the uncertainties of life. One of the most effective means of achieving this is by availing a suitable term insurance plan that can provide adequate financial security to our loved ones. In fact, with the availability of online term plans, availing insurance has become easier than ever.

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Term insurance claim process

Term Insurance Claim Process – Everything You Need To Know

Term insurance in India is the most popular life insurance product owing to the high coverage it offers to policyholders at a nominal cost. With a term insurance plan, you can be rest assured that your beneficiaries will be taken care of even if the unexpected happens and you are no longer around to take care of them.

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Can I take 2 term insurance plans

Can We Buy Two Or Multiple Term Insurance Policies?

A term insurance policy ensures protection by offering financial coverage to the policyholder. It is one of the preferred protection instrument because the policyholder can feel secure knowing that their family will be well looked after, even if they are no longer around due to unexpected reasons.

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Term insurance for coronavirus

Does Your Term Insurance Plan Cover Deaths Under COVID-19?

Life can be unpredictable. When you least expect it, a crisis could come your way and catch you unawares. This is why it is important to plan for contingencies. While you are planning for any unexpected things that may come your way, it is a smart decision to buy term insurance. Term insurance plans can be particularly useful during a crisis; since they help your family get through the loss of income and achieve their life goals as planned.

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 Term insurance for parents

Term Insurance Benefits For Parents

Purchasing term insurance is a great way to protect your family’s future financially and help them achieve their life goals. Most people tend to focus on getting a term policy for themselves or their spouses alone. When shopping for an insurance plan, parents are often not part of the equation. However, purchasing a term insurance for parents can offer both you and your parents a whole world of benefits. Here is a closer look at the benefits of term insurance for parents and some reasons why you should purchase it.

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Term insurance for home loan

Term Insurance For Home Loan

India is a developing country with people moving up the prosperity ladder at a rapid pace. The first major expense that most people bear as their income rises is towards buying a house. Home loans are a preferred tool for a majority of people aiming to buy a house. However, the nature of the home loan is drastically different from other forms of financing. A home loan typically lasts for 20 years or above. Taking a home loan essentially means creating a long-term liability for your family. Moreover, in the younger years of life, the home loan is not the only debt one has, there are other medium and short-term borrowings like car loans and credit card bills.

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How much term insurance should I buy

How Much Term Insurance Do I Need

"How much term insurance do I need?" - It is a common question in many people’s minds. It is ideally suggested to have a term insurance cover of at least 10 times of the annual income. However, the term insurance coverage amount depends on how one assesses their needs and makes a decision as per their risk appetite to ensure the right cover amount to secure their loved ones.

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How to choose term insurance

How To Choose Term Insurance

To choose the right term insurance plan for securing your family’s future, you need to consider many factors. It is important that you opt for the right term plan, since the life insurance cover can act as a financial safety net for your family. There is no telling what can happen in life. Uncertainties and emergencies may crop up when you least expect them. With the possibility of such contingencies being very real, it is only natural that you will want to safeguard your family from the troubles that follow such incidents.

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Single premium term life insurance

Single Premium Term Insurance Plan – When Should You Opt For One

In recent years, the penetration of insurance has increased tremendously. Giving into the increased demands of consumers, insurance companies are bringing in a plethora of new term insurance plans.

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Term insurance documents required

Documents Required For Term Insurance And Why

Term insurance is one of the purest and a cheaper form of life insurance products. This type of life insurance pays death benefit to the nominee in case of the policyholder’s unfortunate death. The death benefit amount may be given as a lump sum amount or in periodic pay-outs depending on the features of the plan.

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How does term insurance work

How Term Insurance Works

The current COVID-19 pandemic has revealed the uncertainty of life and highlighted the importance of term insurance plans. Whether you are the sole provider in the family or have an earning spouse, having the protection of term insurance is essential today. Can you imagine your family having to live on half of what you earn or worse without any regular monthly income?

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Term insurance claim settlement ratio

How Term Insurance Claim Settlement Ratio Matters

Term insurance is one of the essential financial product that helps secure the future of your dependent family members. It ensures that your beneficiaries have a financial safety net to fall back on in case something untoward happens to you later in life. When you buy term insurance, you are effectively safeguarding the future of your loved ones. In the process, you also get to enjoy tax benefits under section 80C and section 10(10D) of the Income Tax Act, 1961, subject to provisions stated therein.

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Term insurance under which section

Term Insurance Comes Under Which Section?

A term insurance plan, also known as pure life insurance, is a kind of insurance plan that provides coverage for a specified period. In case of the demise of the insured during the policy term, a term plan guarantees the payment of specified benefits to the insured person’s nominee subject to the terms and conditions mentioned under the policy.

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What medical tests are required for term insurance

What Medical Tests Are Required For Term Insurance?

Things may not always go as planned in life because it’s full of uncertainty. But that shouldn’t stop us from preparing and planning to meet our life goals. If you follow the right steps, term insurance can be a tool that ensures your family never has to compromise on the quality of their life, no matter the circumstances.

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Decreasing term insurance

What Is Decreasing Term Insurance Plan?

Indians are known to be good savers, setting aside a significant chunk of income for emergencies. With a life insurance penetration of just 2.76%, savings have become a cushion for unforeseen circumstances. With a high dependence on savings, a fall in savings rate is worrying. The net financial savings of Indian households have witnessed a steady fall over the years. While dwindling savings is a matter of concern, affordable life insurance products like Term insurance can help provide financial protection.

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Is term insurance good for you

Is Term Insurance Good?

Yes, absolutely. Term insurance plans are good and worth every penny you spend. Whether you are the sole provider in the family or have an earning spouse, having the protection of term life insurance makes complete sense. Imagine your family having to live on half of what you earn or worse without any regular monthly income. Life can take an unexpected turn any moment and your family’s quality of life can suffer without the protection of term life insurance. Decrease in the level of income can negatively impact their lifestyle and completely derail the life goals you have set for them.

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Term insurance vs endowment plan

Difference Between Term Plan And Endowment Plan

If you’ve made the wise decision to invest in a life insurance plan and safeguarded the future of your family, the next step to focus on is choosing the kind of life insurance you wish to purchase. Should you opt for term insurance? Or is it a better idea to purchase life insurance which also gives a maturity benefit? To resolve the term insurance vs. traditional endowment insurance dilemma, it’s important to first address fundamental questions like "What is term insurance?" and "What is traditional endowment insurance?" Let’s get to the basics of these two types of life covers and understand more about their features and advantages.

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Term insurance till what age

Term Insurance Till What Age: How To Pick The Right Policy Period?

Term insurance is a life insurance plan where the policyholder is provided life cover for a predetermined duration or specific number of years. As a simple and cost-effective form of life insurance, term insurance provides death benefit to the nominee in case of the life assured’s death.

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1 Crore Term Insurance

Why You Need A 1 Crore Term Insurance Plan

Term insurance plans have evolved significantly over the years, and today, they offer a number of features and benefits that prove to be extremely useful. You can now be rest assured that in case of your untimely or sudden demise, your family will have a substantial amount to fall back on.

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 Term insurance premium reduction

Term Insurance Premium – Tips To Reduce Them

Term insurance is the simplest and the most cost-effective form of life insurance available to us. Term life insurance protection ensures that your family’s life goals such as children education or marriage don’t get disrupted even in adversity. Therefore, term insurance should be an important part of your long-term financial goal-setting plan.

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Term insurance under MWP Act, 1874

Why You Should Buy Term Insurance Under MWP Act, 1874

Are our families not at their happiest when all of us are together? Your family not just cherishes your presence emotionally, but they might also depend on you financially as you could be the sole breadwinner in the family. While you are around, you would always wish for the well-being of your loved ones and try to fulfil all of their needs. However, have you imagined how things could change if something goes wrong?

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 Increasing term insurance plan

Increasing Term Insurance Plan – Know All About It

What is Term Insurance? It is a tool to ensure the financial security of our loved ones and to help them meet life goals irrespective of the unforeseen circumstances. Term life insurance plan, though cost-effective and simple, can play a very important role in securing the future of our family members.

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What is term insurance plan with return of premium

What Is Term Insurance Plan with Return of Premium?

The acceptance of life insurance policies has been increasing in India over the last few years. Increasing awareness and diversified product offerings have played a crucial role in driving acceptance of life insurance. People have started considering life insurance a necessity rather than a tax-saving instrument. The availability of different types of life insurance has increased the customer base of insurance products. Term insurance with return of premium is one of the most popular types of life insurance.

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Joint term insurance plan

Joint Term Insurance Plan – What Is It?

Irrespective of whether you are single or married, purchasing a term life insurance plan is a good way to protect yourself and your family from the unpredictability of life. Term Insurance ensures that your family is financially supported in the event of any unfortunate incident. A term insurance plan also offers plenty of advantages to the insured.

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Term insurance for child

Term Insurance To Secure Your Child’s Future

Your life goals may vary from one stage to another. For instance, if you’ve recently earned your first pay-check, your short-term objectives may perhaps include creating an emergency fund or getting started with your savings. A little later in life, your goals could evolve to include targets like owning your first home or purchasing a car.

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Term policy features

5 Important Features Of A Term Policy

In today’s world, life insurance is of utmost importance, regardless of one’s age. Life insurance not only provides insurance coverage to the insured, thereby offering financial assistance to their family members and nominees in case of an unforeseen event, but it also provides several tax benefits. Furthermore, according to a recent UN report, India also has the world’s largest youth population, and this shift in culture and impetus on financial prudence is expected to drive positive change in the insurance industry [1].

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Term insurance age limit

Term Insurance Age Limit – Know All About It

Everyone wants their family to be hale and hearty. Even though most people don’t directly associate happiness with financial stability, it nevertheless plays an important part. Being an earning member of the family, it is your responsibility to ensure the financial stability of your family. A term insurance plan can be an efficient tool to financially ring-fence your family in your absence.

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Term insurance coverage after 65

Why You Shouldn’t Stop Your Term Insurance Coverage After 65

Term insurance has traditionally been considered as a protection plan that’s best taken when you’re younger. Since most people commonly retire between the ages of 60 and 65, term insurance plans are generally structured so that they offer coverage until the investor reaches 65 years of age.

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Term insurance for NRI

How NRIs Can Buy Term Insurance Plans In India

Non-resident Indians (NRIs) or Persons of Indian Origin (PIOs) are essentially people whose birth, descent, or origin can be traced back to the Republic of India. These people live outside their home country, thereby making them non-residents of India. NRIs and PIOs may be residing abroad for any one out of the many reasons. Some go abroad to pursue higher education, while others may be employed in foreign countries. The NRI population also includes spouses, parents, and children of people who may have left India to be employed abroad.

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Term riders meaning and benefits explained

5 Term Riders and Their Benefits Explained

Riders are an add-on to the life insurance policy, providing additional benefits at nominal extra cost. A term insurance plan essentially provides income loss protection in the event of death of the life assured, which enables life assured’s family to continue their life goals journey. Whereas adding riders to your term insurance plan will help in getting additional cover for contingencies like critical illness or disability etc. In essence, riders help in maximizing the benefits of your term insurance cover. This enables policyholder to continue their life cover and provide financial security to their family for achieving their goals.

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Term insurance comparison

5 Term Insurance Comparison Factors

 

Term insurance is one of the most important part of financial planning tools for an individual. It provides life protection to the policyholder and ensures that their family’s life-goals aren’t derailed in their absence. A term insurance plan provides a lump sum payment to the nominee if the life assured is no more even though some term plans offer an additional advantage of returning the entire premium paid at the end of the policy term if the life assured survives the policy term.

 

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Term plan with return of premium

Term Plan With Return Of Premium – Know All About It

Many Life insurance customers have expressed their concern on losing out their money if no claims are made during the tenure of their term insurance plan. To address this, life insurance companies are offering term insurance plans with a return of premium option. It means that if the Life assured continues to live through the policy tenure then at the end of policy term the life insurance company returns all the premium paid towards the policy.

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Term riders meaning and Term insurance plans comparisonbenefits explained

Term Insurance Comparison – Regular Vs Return Of Premium Term Plan

A term insurance plan is one of the most popular types of life insurance. It offers the financial security of a lump sum pay-out to beneficiaries in the event of death of the life assured. As the duration of the coverage is pre-decided in the policy document, it is referred to as term insurance or term life insurance. When an individual buys term insurance, he/she ensures that their family’s life goals do not get derailed if they are not around.

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Term insurance with maturity benefits

Do Term Insurance Plans Have Maturity Benefits?

Term insurance plans provide a financial cover to a family / dependents on the event of a death of the breadwinner of the family. The cover helps the family to continue their life goals journey and not hit upon a financial burden on the death of the breadwinner. Term insurance acts as a back-up to your family’s life goals, enabling them to continue pursuing their goals even in your absence by providing them a life cover But, in case nothing happens to the breadwinner of the family, term insurance plans do not provide any maturity benefit. However, a term insurance plan with return of premium option provides maturity benefit if the life assured survives the tenure of the term insurance policy. These plans allow life assured the option to recover the total premium invested in the term insurance policy if the life assured outlives the policy term. This becomes a great value addition for those customers who are seeking to get at least their premiums back, if they outlive the term insurance policy term

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Term life insurance

Term Life Insurance – Why Get Coverage Up To 99 Years

Life is uncertain and we try everything we can to minimise this uncertainty. Every day, we are exposed to countless risks of death and disability due to natural and accidental forces. We try not to talk about the inevitable - talking about the eventuality of death forces us to confront the transience of life. But it is important to stay prepared for all uncertainties like death, disability, accident, etc. If something were to happen to you, how will your family deal with it? The loss of life has massive emotional consequences, but it also has implications for the lifestyle of your family and everyone you leave behind. One way you can make provision for the well-being of your family and dependents is by buying term life insurance.

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How to avoid term insurance claim rejection

How To Ensure Your Term Insurance Claim Never Gets Rejected

Data available from the Insurance Regulatory Development Authority of India (IRDAI) proves that life insurance claim rejection is real. Life insurance companies settled 8,60,000 claims and rejected as many as 12,769 claims during FY 2016-17. If you don’t want your family to suffer in your absence, you should take all measures to ensure that your term insurance claim never gets rejected.

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Term insurance for smokers

Why Smokers need to invest in a Term Insurance Plan

A tiny cigarette doesn’t cost a lot. However, your smoking habits can cost you your health. Every smoker is not the same though. It is possible that you smoke but maintain a healthy lifestyle. However, whether you smoke rigorously or occasionally, it is recommended to buy term insurance to secure your loved ones in your absence.

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Term insurance for non-working spouse

Why a Non-Working Spouse needs a Term Insurance Plan

Being a housewife might seem easy to some people. However, the job of a housewife is as important as any other earning member of the family. From managing the entire household to looking after children, a housewife solely bears the whole responsibility. In spite of playing an essential part in the family, the role of a housewife is undervalued in our society. The fact that a housewife too has life-goals like pursuing hobbies or travelling could seem alien, but is a reality.

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Term insurance with critical illness rider

Why Get A Critical Illness Rider With Your Term Plan?

Availing additional riders on term plans enhances the value of coverage. These riders are either included in the policy or an individual can purchase it along with the base plan. The most commonly opted rider under a term plan is the critical illness rider. It covers the cost incurred towards treatment of critical illness of the life assured.

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Term insurance FAQs

10 Frequently Asked Questions About Term Plans

The top priority of every family man is the well-being of his family. Over the years, he strives hard to meet every life goal of his family. However, in his absence, there is no one to look after their financial needs. In that case, a term plan becomes essential. With a term plan, the nominees of the policyholders are protected after the demise of the policyholder. The provision of death benefit ensures their financial security in the long run.

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Term insurance monthly payout

Importance Of Monthly Income Payout In A Term Insurance Plan

Death is an inevitable part of our lives. The loss of the breadwinner of the family impacts us financially as well as emotionally. If not managed efficiently, one can experience a permanent financial downfall. One of the most popular life insurance products like term insurance plan provides financial protection to the family members in the absence of the policyholder. The nominees can choose to receive the pay-out either every month or in a lump sum depending on the conditions mentioned under the policy.

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Term Insurance: How Much Should You Be Insured For And For How Long?

Term Insurance: How Much Should You Be Insured For And For How Long?

Term insurance plan is affordable and offers not just tax benefits, but also peace of mind that your loved ones will continue to achieve their life goals even in case of your untimely demise.However, most of us might not have a clear.

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Why terms plan in life insurance is important for single women

Why terms plan in life insurance is important for single women

A ladies handbag is her "Armageddon Resource Centre", carrying everything ranging from tissues to snacks, from coins to a Swiss army knife, and from makeup to pepper spray. Naturally, because women.

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How To Save Income Tax By Investing In Term Life Insurance Plan

How To Save Income Tax By Investing In Term Life Insurance Plan

Every year, around the end of the financial year, we tend to seek out financial instruments which help us in tax planning and savings. Of these, buying a life insurance policy has always been a popular option.

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Term Insurance : Insurance That Costs Less Than Your Daily Chai

Term Insurance : Insurance That Costs Less Than Your Daily Chai

Paul Stanley once said "Youth is incredible because you really do feel invincible." Since young professionals feel nothing can go wrong at their age, they tend not to plan for.

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Term Insurance Benefits and Things To Consider Before Buying a Term Insurance Plan

Term Insurance Benefits and Things To Consider Before Buying a Term Insurance Plan

Safety is an important consideration for all of us. For instance, when we are driving, we make sure that we have our seatbelts on for our safety.

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Term Life Insurance Policy Riders: Why They Matter

Term Life Insurance Policy Riders: Why They Matter

The Oxford English Dictionary defines a rider as "A condition or proviso added to something already agreed". When added to your life insurance policy, riders can be an effective and powerful addition.

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Why Term Insurance Is important for Working Couples

Why Term Insurance Is important for Working Couples

Power couples are on the rise. We see more families where both partners are choosing to climb the corporate ladder. It's a myth that life insurance.

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8 Questions You Should Ask Yourself Before Buying a Term Insurance Plan

8 Questions You Should Ask Yourself Before Buying a Term Insurance Plan

Term insurance is the purest form of insurance where for a fixed premium, you cover yourself against any unforeseen contingencies.

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Term insurance vs whole life insurance

Term Insurance Vs Whole Life Insurance - Which One Should You Get And Why

Life insurance plans provides for the protection of your entire family as well as allows them to accomplish their life goals even in your absence. While purchasing a policy, investors prefer either term plans or whole-life insurance policies. Since these two policies are always pitted against each other, the selection between them is a daunting task.

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Buy term insurance

How To Buy Term Insurance At Different Life Stages

Ideally, the right time to buy term insurance plans is at a younger stage of life. While a majority of policyholders buy early, the rest acquire these policies only when they plan on extending their family. When you buy term insurance plan, it secures your families from unannounced emergencies arising in the future. Opting for a term plan at the appropriate time ensures the accomplishment of your life goals with ease.

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Online term plan benefits

4 Benefits Of Online Term Plans

The emergence of E-commerce has gradually decreased the painstaking process of buying an insurance policy. The availability of online term plans has lessened the formalities. The prime aim of an online term policy is the convenience and affordability of the consumers. With online term plans, an individual can access his policy from any corner of the world at a single click.

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Importance of medical tests for term insurance

Why You Should Undergo Medical Tests Before Buying Term Insurance

Undergoing a medical test before purchasing a term policy plays a significant role. Ideally, these medical tests are essential for the determination of your health quotient. When a policyholder gets a medical examination done beforehand, the insurance companies provide them with customized plans based on such reports. Failure to do so could lead to undesirable repercussions in the long run.

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Term insurance benefits for millennials

4 Term Insurance Benefits For Millennials

There are multiple reasons to purchase a term life insurance policy. However, opting for the right term insurance plan play a significant role in the lives of every millennial. With term insurance, a millennial can protect his family from financial contingencies, which may arise after his death..

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4 Ways To Choose The Best Term Insurance Plan For Yourself

4 Ways To Choose The Best Term Insurance Plan For Yourself

Life insurance is about offering financial security to your dependents in your absence. While many individuals appreciate the need for life cover, the process of identifying the ideal plan can be a difficult decision.

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A Launch to Inspire

A Choice Investment Options

As it turns out the 104-satellite launch is a world record by ISRO (Indian Space Research Organization) beating the 37-satellite launch by Russia in 2014. Heartiest congratulations to Team ISRO for making the impossible a reality!

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Bajaj Allianz Life Launches An Exclusive Micro Insurance Product

A Great Term Insurance Plan for Rural India

Bajaj Allianz Life targeted the low-income market with the launch of a micro insurance product that allows customers to choose between fixed and flexible loan tenure coverage , an exclusive feature of the plan is that the policy term ranges from as less as 6 months to 120 months ,with option of single life and joint life coverage.

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Cricket and Life: Games of glorious uncertainties

Deal Life's Uncertainties With Term Insurance Plan

The cricketing world is gaga about R Ashwin’s exploits. Most successful off spinner, on a record-breaking spree, budding allrounder, etc. But there are concerns staring at Ashwin and he must tackle them with alacrity. And these are the concerns that are challenging all individuals at some level.

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Why Term Insurance is One of the Best Investments

Term Plans Makes For The Best Investments

Every New Year sees a flurry of activity in the ‘resolution’ space. It’s either smoking less or not all, getting fitter, less angry, procrastinating less and having more action or some such resolve.

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IPL Auction 2017 – Different Stokes for different folks

Analyse Your Term Insurance Options Carefully

The IPL auction was conducted with much fanfare as usual with the added element of suspense in the backdrop of the board’s problems. The results of the auction would suggest that it’s just another day in the office for the IPL with team owners, willing to pay top dollar for the marquee players.

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Learn the Basics of Term Life Insurance

Learn the Basics of Term Life Insurance Plan

How a term plan can protect you & your family from the 'ifs' of life.

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The secret to a happy life!

Live a guilt-free in today’s times with term insurance

 

Eternal happiness is a myth. Sounds ironical? On the basis of the title of this article, it does. Essentially, staying happy will take efforts from you. You need to be emotionally strong, forget your worries, forgive easily, laugh harder, kiss longer and a host of other things that cinema suggests will make us happy individuals, just like our favourite on-screen characters.

 

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When The Tubelight Is A Slow Starter

Term Insurance Plan To The Rescue

Social media is abuzz with how the Tubelight has lived up to its name going by initial box office collections. But will the Tubelight live up to its potential, backed as it is by a successful actor-director team?

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Why term plans are a must have?

Low Premiums - Just One Of The Many Term Insurance Benefits

Life insurance is a long-term commitment about getting life cover in exchange of timely premiums. It lets you sleep in peace with the knowledge that your family is well-prepared for any uncertainty in your absence.

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Tax saving options for salaried employees

Tax Saving Options For Salaried Employees

If you are just joining the workforce, tax planning is essential when it comes to reducing your tax liability. For salaried individuals, knowing how to invest money in one’s twenties and thirties can be the difference between financial prosperity and hardship in one’s retirement age. There are a slew of tax saving investments in the market currently. For salaried people, knowing where to put their money can help reduce their tax liability by the end of the financial year. Here are a few tax saving investments to consider putting your money in.

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How to manage personal finances during COVID-19

How To Manage Your Personal Finances During COVID-19

As the pandemic of COVID-19 spreads across the world, it causes an inevitable impact on various facets of our lives. The nature of the pandemic can make people concerned about their physical health. Meanwhile, as market conditions are affected, it is natural to feel somewhat restless about your financial health as well.

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How to invest money during COVID-19

How To Invest Money During The COVID-19 Pandemic

No matter their financial goals or background, every investor is advised to incorporate at least a few long-term investments in their portfolio. With the power of compounding, these long-term investment plans in India have been relied upon to help save taxes and yield favourable returns over time. However, with the current pandemic making a substantial impact on the market, there is widespread panic among investors of all kinds.

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Monthly investment plans

Monthly Investment Plans

Volatility in the financial markets during the past few months has unnerved scores of investors. Global benchmark indices plunged in the bear market territory in record time. Making sense of the market could not be tougher and as far as finding an entry and exit point is concerned, it has proved to be an uphill task even for veteran investors.

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5 investment tips for working women

5 Investment Tips For Working Women

The participation of women in the workforce has risen substantially in the last few decades. Men are no more the only breadwinners in the family. From finance to management, to sales, women have excelled in all types of jobs. However, just having a stable source of income is no guarantee of a stable financial future. Investing surplus money into a mix portfolio is as important as earning well so that you can achieve your Life Goals.

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COVID-19 investment plans

Don’t Let COVID-19 Derail Your Long-Term Investment Plans

With increasing financial awareness in the country, financial products have gained wider acceptability. There are various types of investment. Some investments are made with a short-term objective with the maximum investment tenure of five years. Short-term investments are relatively liquid and can be easily converted into cash. However, short-term investments may not generate returns sufficient to achieve life goals, which requires substantial capital accumulation. Wealth can be accumulated only by staying invested for the long term.

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Investment options

Investment Plans In India For FY 20-21

You earn and spend your income month after month, but the secret to securing your future and ensuring that you meet your life goals lies in investing. Life goals can vary from one person to the next. For some people, it may involve purchasing or constructing a new home. For others, life goals could involve giving their children the best possible education. Yet other people may have life goals that focus on planning well for retirement.

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Endowment life insurance plan

Endowment Policy – Life Insurance Plan With Stable Returns

Every year lakhs of people die in road accidents in India. As per recent data, over 1.5 lakh to be precise[1]. Life insurance is essential to guard against such unforeseen circumstances. Keeping an insurance policy active requires you to pay the premiums on time. But you also have other goals for which you need to set aside a portion of the monthly income as savings. How do you balance between savings and insurance? One option you may consider is to invest in an endowment plan.

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Do long term investment options provide better returns

Do Long Term Investments Provide Better Returns?

Investments are an essential part of financial planning. With the prices of everyday goods and essential services steadily increasing, merely saving your income won’t be sufficient anymore. What you really need to focus on is investing your money, so it can grow exponentially over the long term. Now, if you’re planning to invest in any one or more of the many financial investment products available to Indian investors, it becomes important to choose between short-term and long-term investment options that suits your needs.

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 Savings and investment plans difference

Difference Between Savings And Investment Plans

Indians are known to be good savers. The habit to keep aside a part of the income is inculcated from childhood. Children across age groups save coins in piggy banks to utilise at a later date. But as one grows up, just putting aside currency notes and coins are not enough. How the accumulated money is used determines the long-term financial stability of the individual.

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 Life insurance investment

5 Reasons To Make A Life Insurance Investment

Humans spend their entire lives accumulating and securing material possessions. An expensive phone or a priceless watch is given more attention than health. But the slightest of impact on the health of a bread-earning member can throw the whole family into turmoil. Some people take their health seriously, but living a healthy life is half the work. How do you protect your family against unforeseen circumstances? Even a healthy body and mind cannot guarantee protection from unfortunate incidents. A life insurance investment plan in such cases can help in providing long-term financial stability to your family.

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Where to invest money

Where To Invest Money In India

First-time investors are often faced with the question of where to invest money in India. With the country’s financial markets teeming with several types of investments, it can be overwhelming to choose an instrument that suits your requirements and risk appetite. Some of these options even qualify as tax-saving investments, meaning that they can help you reduce your tax liability as an added advantage.

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Tax saving investment plans in India

Tax Saving Investments – 3 Ways Insurance Can Help You Save Tax

The life insurance industry in the country has seen a steady growth over 6 years from 2012 to 2018, and the premium from new life insurance business reached Rs. 2.15 trillion, an increase of 10.73 percent year-on-year in FY19[1].

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Online investment plans in India

Online Investment Plans – Benefits And How To Get Started

Investing your money in the right instruments is pivotal to achieving your financial goals. If you’re salaried or self-employed professionals, you probably have a tendency to save up a part of your earnings each month. And while it’s a good thing to save a portion of your income, it’s a smarter strategy to invest it. This is because money that is invested prudently can help you make more money. This, in turn, allows you to achieve your long-term financial goals sooner.

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Goal based investing

Goal Based Investing - How to Get Your Strategy Right

Goals give us direction, vision, motivation and clarity. To achieve success, we must first set goals or life would be similar to riding a directionless boat. Just as in other aspects of our life, it’s important to set goals in our financial life.

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Long term investment plans

Long term investment plans - What Are Their Benefits?

We cannot ignore or deny the power of long term investing. The principles of long term investment are in tune with the simple virtues of life such as patience and perseverance that always bear fruits. Historical data of the stock market proves that equities offer the best opportunity for wealth creation in the long-term. Returns from equity-based investment options such as unit linked insurance plans (ULIPs) have also shown how long term investment plans help generate wealth.

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Power of compounding math explained

What is Power of Compounding and How it enhances your Investments

Certain life goals like traveling the world, having a dream wedding, sending the kids abroad for higher education, etc. are very close to our hearts. These goals require careful financial planning. In this scenario, the power of compounding is beneficial. Compounding is an excellent way to ensure a substantial amount to fund your Life Goals. It is a catalyst for generating a considerable corpus over the long term so you can get your Life Goals Done.

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Got Your Salary Hike? Know Where to Invest Money

Got Your Salary Hike? Know Where to Invest Money

Appraisal season has come to an end and it is most likely that by now you have got your salary hike and performance bonus. While you might be tempted to splurge the additional cash, judicious use of the surplus income can

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How Life Insurance Goes Beyond Income Replacement

How Life Insurance Goes Beyond Income Replacement

Most of us buy life insurance to financially protect our family in the event of loss of income of the earning member, and to fulfil our family's life goals. Generally, the investments made for achieving these life goals are long-term in nature

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4 ways to invest your annual bonus

4 Ways You Can Spend Your Annual Bonus - Know How To Invest Money

For most of the salaried professionals, this time of the year brings in much joy and a sense of achievement. You get your annual bonus besides your usual monthly salary - just like the icing on top of a cake

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Investing for the first time? here are some tips to help you make the right investment

Investing for the first time? here are some tips to help you make the right investment

If you are investing for the first time, the chances are that you will be bombarded with advice and tips from your friends and relatives, or you might be confused by never-ending instructions from financial publications.

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Avail Systematic Investment Plans for a more stable financial future

Avail Systematic Investment Plans for a more stable financial future

We all have various financial obligations like daily needs, school fees, and short trip with family or buying a fancy gadget where we require onetime payment for which money can be relatively collected easily.

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How to Choose the Best Critical Illness Cover for Yourself

How to Choose the Best Critical Illness Cover for Yourself

With increasing incidences of critical illnesses, such as heart ailments, insurance policies covering such diseases are a must-have in your insurance portfolio. While mediclaim policies cover the hospitalization expense the reality is,.

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Everything You Need To Know About Critical Illness Health Insurance Plans

Everything You Need To Know About Critical Illness Health Insurance Plans

Being healthy is crucial to achieving any life goal. While one part of being healthy is exercising and eating healthy, the other element is to financially prepare for any illness or eventuality,.

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Know 4 Different Types of Health Insurance Plans

Know 4 Different Types of Health Insurance Plans

Healthcare expenses can be the biggest drag on your finances. With lack of quality public healthcare system, we invariably fall back on private medical services, which come at a higher cost. Moreover, with healthcare inflation increasing at a double-digit rate,.

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Compare an ordinary Health Insurance Plan and a Critical Illness Cover

Compare an ordinary Health Insurance Plan and a Critical Illness Cover

Many of us are confused about the difference between a traditional health insurance plan and a critical illness cover and sometimes might even use the terms interchangeably. That's not all, some of us also believe.

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Handle NCDs with the help of a Critical Illness Cover

Handle NCDs with the help of a Critical Illness Cover

Cast a cursory glance around and the chances are some of your friends or acquaintances are battling serious illnesses. There has been a dramatic surge in the incidences of Non-Communicable Diseases (NCDs), like heart ailments and Cancer, over the last few years.

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Critical Illness Cover Policy or Rider Benefit: What makes more sense?

Critical Illness Cover Policy or Rider Benefit: What makes more sense?

Sometimes we have to handle a few hurdles in our road to realizing our life goals. Usually, these hurdles arrive when we least expect them. Critical Illness, such as heart ailment, diabetes or cancer, is one such possible problem.

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How to update your retirement planning strategy

3 Signs You Need To Update Your Retirement Planning Strategy

After a lifetime of work, retirement is a time Indians look forward to relaxing. People prefer to spend their post-retirement life with children and family. Collective living reduces the consumption of financial resources at an individual level, which is often the motivation for people to ignore retirement planning. However, with the rise in the number of nuclear families, retirement planning has become extremely important. Retirement planning entails setting aside resources during one’s working life to achieve financial independence by the age of retirement. To build a corpus that could last 20-25 years, one needs to save regularly and invest in long-term financial products. Long-term investments build wealth over several years and help preserve the value of the savings.

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Types of pension plans in India

Types Of Pension Plans In India

There is no denying the need and importance of investing in a pension plan if you are a private sector employee, a businessman or self-employed person in India. While public sector workers are fortunate to have a state-sponsored pension system, it’s not so for a large chunk of the workforce working in the private sector.

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Mistakes to avoid while calculating retirement savings

Mistakes To Avoid While Calculating Retirement Savings

Do you think about your retirement life with fondness? Or, anticipate it with a sense of fear and worry? Perceptions are subjective, but how you think may rely a lot on the quality of your retirement planning and the size of your retirement savings. Retired life should be something we look forward to rather than anticipating it with a sense of dread. It is a time when you get to hang your boots and stop worrying about schedules and meetings. In fact, it is to enjoy the perks of your success and live life to the fullest.

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 Retirement investment plans

Retirement Investment Plans In India

Irrespective of the age at which you choose to retire, it’s essential to save up for retirement, so you can enjoy your golden years without worrying about your finances. When you’re younger, a significant portion of your time is spent working. It’s only later in life, when you’ve retired, that you may find the time to catch up on your life goals like traveling the world, learning new skills, or cultivating various hobbies. To fulfil your post-retirement dreams, it’s crucial that you plan for the future as early in life as possible.

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Retirement benefits from Bajaj Allianz Life

Retirement Benefits – How To Enjoy Them Without Worry

Most people are guided by the proverb - Work is Worship throughout their professional life. It doesn’t matter how much you love your work, you will have to stop someday and give your mind and body a much-needed rest. In India, people are expected to stop working and relax after the age of 60. A majority of public and private sector companies have set the mandatory retirement age around 60. Retirement leads to a sudden change in the daily routine as well as the lifestyle of the retiree. After following a routine for several decades, you are suddenly without any fixed schedule after retirement. The sudden and profound changes brought by retirement can be difficult for some people, but retirement has its own advantages.

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Achieve early retirement life goals

3 Ways To Achieve Early Retirement Life Goals

After graduation, most people aim is to get a stable job and work till 60 years of age, which is the default retirement age in India. Retirement is considered to be a paradise, with no waking up in the morning and rushing to the office. After retirement, one doesn’t have to worry about deadlines and life is simple and uncomplicated. With complicated and demanding job profiles, many people are opting to retire early, well before reaching the retirement age. Even if one decides to retire early, one cannot ignore retirement planning. However, there is a difference between conventional retirement planning and planning for early retirement.

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6 retirement age lifestyle changes

6 Lifestyle Changes In Retirement And How To Deal With Them

Every individual undergoes massive changes throughout their lives. Whether it’s starting a new family, planning to have kids or early retirement, one should secure these important phases of life. Every individual should be prepared mentally and financially to deal with the challenges which they may face during retirement.

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Buy life insurance for early retirement

Why Life Insurance Should Be A Part Of Your Early Retirement Plan

The primary aim of life insurance products is ensuring the financial security of the policyholder and their entire family. When an individual retires, he needs a steady flow of income to sustain regular expenses as well as to accomplish his life goals. With certain life insurance plans including ULIPs, one can protect the financial needs of his family, as well as receive maturity benefits with ease to be able to fulfil their early retirement life goals. One needs to plan their investment in a manner so that they can realise their retirement goals.

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Retirement planning tips

Retirement Planning – A Comprehensive Guide

Some people may be married to their work. For others, however, working for long hours becomes a habit. If this sounds like you, then you’ve probably contemplated retiring by your early sixties or late fifties. And this is a goal that doesn’t come easy. It takes a lot of careful planning to successfully achieve the financial standing needed to stop working early in life. If you’re interested in learning more about how to retire early, this guide can help you get started with all the financial strategies needed for getting your early retirement goals done.

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Prioritize early retirement planning

Why Early Retirement Planning Should Be On Your Priority List

Retirement is a crucial phase of our life. In India, the usual retirement age is between 55-60 years. However, these days you will find many people discussing and thinking of early retirement. It’s the era where we see emergence of unconventional Life Goals. These aspirations are common amongst the millennials today. Before resigning from your job, an individual must plan for his retirement well in advance. Early retirement planning can help you live your passion and achieve your Life Goals.

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Fulfil Retirement Life Goals

How To Fulfil Your Retirement Life Goals

Retirement planning plays a significant role in providing you with a stress-free lifestyle after retirement. Whether you’re a salaried employee or an entrepreneur, early retirement planning is something that one needs to think of to ensure a secure future post retirement.

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Retirement saving tips

How To Make The Most Out Of Your Retirement Savings?

After years of striving hard, every individual retires at some point from active work-life. Many of them prefer purchasing a pension plan during their working years to ensure uninterrupted financial support during retirement.

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Retirement planning to fulfil travel goals

Want To Travel The World Post-Retirement? Long-Term Planning Is Key

Let’s admit it. Life is too short to make all our dreams come true but there are things which we certainly want to tick off from our to-do list. Such as world travel. While traveling the world seems to be the kind of thing one would want to do while they are young and in a regular job so that they can afford it, it seldom works out that way. With age, come responsibilities and travel plans of backpacking through Europe or scuba diving in Australian seas take a backburner as we navigate through life’s many responsibilities.

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How to save for your retirement

How Much You Need To Save For Retirement

It’s not easy to think about your retirement. There are way too many unknowns. But the biggest concern of them all is figuring out how much money will you need to live comfortably once you bow out of your regular job and that monthly salary goes away.

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Retirement savings calculation formula

How To Calculate Your Retirement Savings Corpus

Retirement planning often becomes a combination of anticipation and fear, excitement and satisfaction. You now finally get the time to enjoy the fruits of your labour and you can now follow your unfulfilled hobbies, spend quality time with family or travel the world.

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Pension plan benefits

6 Benefits Of Investing In Pension Plans

As life progresses and we come across financial difficulties in our lives or observe others struggling with some, we realize the importance of financial planning. With rising cost of living and healthcare costs combined with the increasing life expectancy, it becomes important to make Retirement planning the focal point of your financial planning. One good way of approaching retirement is through pension plans. Popularly known as a retirement plan, it is one of the solution for your post-retirement financial worries. How so? Let us take a look at some benefits that these plans bring to the table.

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Calculate your retirement corpus

How To Calculate Your Ideal Retirement Corpus

The increasing life expectancy and the rising cost of healthcare forces us to think about how our expenses would look like a couple of decades down the line. That thought also highlights the need to work on our retirement planning. One good way to plan for retirement is to invest in a pension plan or a retirement plan early in life. These plans often offer a retirement corpus at maturity. An ideal retirement corpus will help you manage all your post-retirement expenses and help you fulfil your life goals. Therefore, it is important to accurately calculate your required retirement corpus so that you have sufficient funds to meet your day to day expenses and do much more post retirement.

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Pension plan definition

What Are Pension Plans And Why You Need One

Picture this: you’re officially tired of your work schedule. You seek a stress-free life in the search for peace. However, the thought of early retirement gives you nightmares due to lack of resources for the sustaining your life and the survival of your family members. In the quest of looking out for relaxation, you can’t put your family at risk. The best way to work towards your retirement planning is by investing early in a pension plan.

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Unit-linked pension plan

What Are Unit-Linked Pension Plans And How They Work

Today, living a comfortable life has become a priority over than living longer. A majority of people opt for early retirement to live freely. However, an early retirement must be well-planned to ensure that you accomplish your life goals. To achieve these life goals one needs to plan their investments well so that they can accumulate the required funds to get their life goals done.

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 Approaching Retirement Age? Know How To Prepare For It

Approaching Retirement Age? Know How To Prepare For It

Planning for retirement is the most crucial step for every individual. An early retirement ensures that all the life goals of your loved ones are successfully met. 

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Retirement Income – Know How To Generate Income After Retiring

Retirement Income – Know How To Generate Income After Retiring

After years of hard work, every individual deserves to live a stress-free retirement life. Investment in a retirement plan early is a straightforward way of ensuring a relaxed retirement life.

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5 Tips to Help You Buy A Retirement Investment Plan In India

5 Tips to Help You Buy A Retirement Investment Plan In India

Every individual deserves a comfortable lifestyle. However, building a stress-free life is a financial challenge faced by a majority of people and the main reason behind this is lack of financial planning or knowledge.

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4 Retirement Planning Mistakes You Should Avoid

4 Retirement Planning Mistakes You Should Avoid

The basic idea behind retirement is a comfortable and stress-free lifestyle after years of hard-work.

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 5 Retirement Planning Myths Debunked

5 Retirement Planning Myths Debunked

Having a planned approach helps in all situations. This becomes especially true for personal financial planning.

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How To Make An Early Retirement Plan

How To Make An Early Retirement Plan

The only thing that makes early retirement planning different than conventional retirement planning is time. Many of us make an early retirement plan to follow our unfulfilled dreams or hobbies. For many, early retirement might happen as early as in one's 40s

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Retirement planning in your 20s? Here's why experts increasingly recommend this

Retirement planning in your 20s? Here's why experts increasingly recommend this

Millennials are increasingly seeking to pursue valuable investment options to accomplish life goals. However, in the constant pursuit of short-term goals, they barely consider planning for long-term investments in their 20s.

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Know how to retire early

4 Tips On How To Retire Early

Over the course of your working life, you have varying needs and goals. As you cross different milestones, these needs change accordingly. At times, necessities such as paying for your children's higher education or their weddings might take immediate importance.

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Start retirement planning now

Know How To Begin Retirement Planning Early

No matter at what stage of life you are in, and what life goal you are pursuing, retirement planning should be a part of your investment journey. Even though in the scheme of things retirement planning may seem far away, it is a good idea to regularly think, plan and invest towards it.

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Child plans in India

What Is A Child Plan?

As a parent, one of the greatest joys of life is watching your children grow up into fine young people. Along with these joys, there is also the responsibility of ensuring that your children have all the resources necessary to grow into smart and responsible people. In order to ensure that your children get the best of everything, right from good education to the financial support they need to pursue their dreams early in life. You, as parents, need to plan your finances smartly from early on to ensure your child’s life goals are met.

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Coronavirus Precautions

Simple Precautions To Reduce The Spread Of Coronavirus

The coronavirus has spread across the globe, causing unforeseen transformations in the way we carry out our everyday activities. Even as the number of infections and the casualties from the virus continue to rise, regulatory bodies and experts all over the world remain passionate about the fact that some tried and tested coronavirus precautions can help curb the spread of the virus. To understand more about these precautionary measures, it is first important to understand what COVID-19 is and how it spreads.

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Stay fit during COVID-19 lockdown

How To Stay Fit During COVID-19 Lockdown

The ongoing pandemic and the resulting coronavirus lockdown has forced almost all of us to stay indoors for months. This has not only thrown us off our regular routines, but has also contributed to a huge lack of physical activity among a major section of the public. Therefore, staying fit and active during these trying times is the need of the hour right now. Here are some tips and a list of exercises that you can follow to keep yourself active throughout the day.

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Common Coronavirus Symptoms

Common Coronavirus Symptoms To Look Out For

COVID-19 has turned out to be a game changer in many ways. The pandemic spread across multiple countries in the world and caused changes of an unprecedented scale. Nearly one year after the first cases were identified in Wuhan, China, we are slowly but steadily inching towards learning more about the disease. Short for Coronavirus Disease 2019, COVID-19 causes a wide array of symptoms in the people it affects.

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Importance of life insurance

Importance Of Life Insurance During The Coronavirus Pandemic

The COVID-19 pandemic brought about many uncertainties in the life of the common person. Job losses and pay cuts were problems that riddled the working population, while India’s small businesses faced many uncertainties in their revenue share. The stock markets were also extremely volatile early on in the pandemic, with the SENSEX losing around 3,900 points on one single trading day.[1]

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Will life insurance cover COVID-19

Will Life Insurance Cover COVID-19 Death Claims?

The COVID-19 pandemic has turned out to be a huge reality check. It has not only made us sit up and take note of our lives, but has also prompted us to make several changes to our lifestyle. It has made us more conscious of our health and has driven home the importance of having life insurance better than anything else has.

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Work From Home during COVID-19

How To Work From Home Efficiently During COVID-19 Lockdown

The COVID-19 crisis was unexpected, and clearly, many new changes have come about owing to the spread of the coronavirus. Late in March 2020, the government announced a lockdown in India due to COVID-19 pandemic, which meant that people had to stay indoors in order to curb the spread of the disease. This lockdown affected regular life in several ways. Foremost among the changes that followed the coronavirus lockdown in India is the fact that remote working became the norm.

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Things To Do In COVID-19 Quarantine

Things To Do In COVID-19 Quarantine

It would be an understatement to say that the coronavirus pandemic has disrupted our lives. As caseloads increase and citizens are told to keep away from public spaces and crowds, people seem to be spending more time at home. So, what does staying home during the coronavirus pandemic mean?

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Buy life insurance online during COVID-19

Benefits Of Buying Life Insurance Online During COVID-19 Pandemic

As the pandemic continues to have the world in its grip, more people are learning about the importance of getting themselves a life insurance policy. Having an insurance policy is like a ring of protection around the policyholder’s loved ones, in the unfortunate event of the policyholder’s demise. With the uncertainty around COVID-19 growing with each passing day, having an insurance policy can mitigate the stress and ensure that your family’s life goals and finances are sound.

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Best time to buy life insurance during COVID-19

COVID-19 – Why Best Time To Buy Life Insurance Is Now

Life insurance is essential at all times because it offers protection to the insured and their loved ones. It becomes all the more pertinent at a time such as this; the pandemic has taken a toll on not just the health and lives of people but on livelihoods as well. Having a ring of protection such as life insurance can ensure you cope better.

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Best time to buy life insurance during COVID-19

How To Buy Life Insurance During COVID-19 Pandemic

The COVID-19 pandemic has left the entire world in shock. As the disease started spreading relentlessly, moving from one country to the other, their ever-bustling economies froze. Although the spread of the coronavirus in India came about a little late, we are still one of the most badly affected nations in the globe.

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Secure life goals using life insurance

COVID-19 – How Life Insurance Helps You Secure Life Goals

Every individual and family is advised to financially plan for all his or her short-term and long-term goals. This ensures that when it is time to fulfil these goals, you can be rest assured that you are adequately prepared. However, with the current pandemic situation, such well-planned life goals are in danger of being disrupted.

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Life cover

How To Determine Your Life Insurance Cover

Figuring out the amount of life cover that is desirable to your needs is a tricky question. Let us address the question of "What is life insurance" first.

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Life insurance quotes

Life Insurance Quotes – Know All About Them

One of the most important parts of financial planning is a well-planned life insurance plan. It is often advised for youngsters to get themselves a life insurance policy as soon as they start earning. It is indeed important for everyone to insure themselves and their families against eventualities and ensure a secure future. Before diving into life insurance quotes, let us begin by understanding life insurance as an instrument.

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What is life insurance policy

What Is Life Insurance Policy?

Insurance penetration and insurance density, which reflects the development of the insurance sector in a country, is still very low in India. In FY 2018-19, India had an insurance penetration rate of 3.7% compared to the global average of 6%, and insurance density of just $74 compared to the global average of $682[1].

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Types Of Life Insurance Plans

Types Of Life Insurance Policies In India

A life insurance plan or policy allows a policyholder to enter into a formal contract with a life insurance company where the insurer agrees to pay a mutually agreed sum to the beneficiary in the event of the life assured's death or upon maturity of the plan.

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Life insurance benefits

Benefits Of Life Insurance Plans

On any given day, you may come across several TV commercials, newspaper and online ads, hoardings and magazines trying to tell you about the importance and benefits of life insurance. Yet, how many people take action and buy a life insurance plan when they see those ads?

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Whole life insurance

Whole Life Insurance – Know All About It

There are innumerable risks to human life. Millions lose their lives every year in unpredictable incidents ranging from accidents to natural calamities. The emotional toll of losing a family member gets adequate focus, but the financial impact goes unnoticed. Life insurance policies have become the primary tool for mitigating the financial impact of untimely death. A typical life insurance policy has a fixed tenure. However, whole life insurance plans have changed the dynamics for potential customers.

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Life insurance policy

Life Insurance – A Comprehensive Guide

Human life is uncertain. Even though the risks to human life have reduced with the advancement of technology, hundreds still meet a premature death on a daily basis. The loss of a bread-winning member can deal a body blow to the entire family. The loss is emotional as well as financial and many families fail to recover from the financial impact. The emotional loss cannot be compensated but the financial loss can be mitigated to an extent. Life insurance plans can help one secure the financial future of his/her family. The pay-out from life insurance plans can be used for income replacement, which can be of immense importance for the financial well-being of the family.

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Contact Us

Bajaj Allianz Life Insurance Company Ltd.

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006, Maharashtra

Tel No: 020-66026773

Fax No: 020-66026789

Branch Visit Timings:

Weekdays - 9:00 AM to 3:30 PM

Customer Care Helpline:

1800-209-7272

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

For NRI: +91 20 67871700 (Call charges apply)

Monday 07.00 AM to Sunday 07.00 AM

Sales Enquiry Helpline:

1800-209-4040

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

For NRI: +91 20 67688888 (Call charges apply)

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

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The above information is for general understanding and is meant to educate the general public at large. The reader will have to verify the facts, law and content with the prevailing tax statutes and seek appropriate professional advice before acting on the basis of the above information.