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Life Insurance Guide

Life Insurance Guide for smart investment decision from Bajaj Allianz Life
  • ULIP
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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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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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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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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 to Saturday 9.00 AM to 7.00 PM (IST)

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)

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.