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This Independence Day Make Financial Freedom A Priority


Aug 09, 2022

By : Bajaj Allianz Life

We frequently imagine ourselves spending our money on whatever we want or living a carefree existence doing anything we want without stress or anxiety. After all, obtaining financial independence is a goal that we all share. But, no matter how much money you make, getting there can feel out of reach, especially when you consider financial concerns such as debt or the cost of having children.

And, to be honest, even a single financial concern might have an impact on other elements of your personal life as well as your professional life. So, this Independence Day, consider decreasing your financial anxieties and freeing your mind so you can focus on other important elements of your life, knowing you have a full-proof plan in place to handle your financial situation.

Here are a few basic yet effective financial freedom suggestions to help you achieve financial planning and be free of financial troubles.


● Protect yourself from financial uncertainty


Sickness, property maintenance, job loss, auto repairs, and so on can all rock your financial boat. If you are completely unprepared for such emergencies, you may find yourself falling into a debt trap.


● Insure to Protect Your Loved Ones


Some of you fight work pressure and stay up late virtually every other day to establish a platform strong enough to endure the rigours that you or your family may experience. However, all of your hard work may be for naught if you die unexpectedly, leaving your family in the lurch. To have peace of mind that your family will be financially secure even if you are no longer alive, it is preferable to consider obtaining a 'Term Insurance Cover'.

A term insurance policy will protect your loved ones financially from life's uncertainties. Furthermore, it will help in ensuring that:

  • Your children's schooling costs are covered.
  • Your spouse can be compensated for your lost income.
  • Your outstanding bills have been paid off.
  • Your family's long-term financial goals have been met.

It is also preferred to purchase a critical illness policy or rider in addition to your term plan. This will cover any "exorbitant treatment costs" for the illnesses mentioned under critical illness policy or rider, by paying extra premium, if you are diagnosed with a critical illness.


● Invest Money to Reach Your Goals


You may have several long-term goals that you want to achieve:

  • You might be thinking about purchasing your dream home or an automobile.
  • As a parent, you may want to help your child realise his or her dream of attending a prominent institution.
  • You may aspire to be the explorer retiree who tours the world.

Whatever your aim, once you've made up your mind, there's no turning back. These objectives will appear in front of your eyes at any time and in any place - before going to bed or when lost in contemplation on a crowded train. To achieve such goals and relieve stress, you can consider investing in insurance cum investment plans designed to generate market-linked wealth over time. There are numerous Unit Linked Insurance Policy (ULIP)-based wealth plans available to help you smooth your journey to financial independence, as well as insurance to safeguard your family from life's uncertainties.

Regular investment in such market-linked wealth plans may not only help in generating long-term returns, but also provide protection from life's unforeseen events. Furthermore, ULIPs allow you to invest based on your risk tolerance, which means you can participate in debt, equities, or mix of both funds. Furthermore, product specific features such as fund switching, top-up, partial withdrawals, and tax savings, among others, serve as the icing on the cake.


● Get Out of Debt


It's difficult to argue for financial independence when you owe money. As a result, on this Independence Day, make a commitment to manage your debts.

You can establish different ways to manage your debts.

Although it is not a quick fix, it can certainly point you in the right direction.


● Focus on Retirement Planning


There is no denying that financial independence is required to live comfortably, even after retirement. After all, money should not be a consideration when deciding how to spend your elderly years. Along these lines, your focus during your working years should be on retiring without relying on others and with sufficient money. That is, you should start saving and investing for retirement as soon as you start working, rather than waiting until you are in your 40s or 50s. You can achieve this goal by considering investing in retirement plans or pension plans that provide a steady income after retirement and enable you to live an anxiety-free retired life. Additionally, because retirement is a long-term objective, you may consider investing in market-linked wealth plans such as ULIPs provided you are able to carry the related risk exposure.


Wrapping Up-


Overall, understanding where you stand in terms of your financial goals and getting a handle on your finances will help you earn financial freedom this Independence Day and every day, and therefore accomplish your version of happiness.


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##Our policy covers COVID 19 claims subject to policy terms and conditions being met

3Discount is available for regular premium and limited premium payment frequency under all variants of this product.

2Above illustration is considering Male aged 25 years | Non-Smoker | Life Cover Variant | Policy term (PT)– 30 years | Premium Payment Term (PPT) – 30 years | Sum Assured opted is Rs. 1,00,00,000 | Online Channel | medical rates | Annual Premium Payment Mode | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.

In this policy, the investment risk in investment portfolio is borne by the policyholder. Investment in ULIPs is subject to risks associated with the capital markets. The policy holder is solely responsible for his/her decisions while investing in ULIPs.

~Tax benefits as per prevailing Income tax laws shall apply. Please check with your tax consultant for eligibility.

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. 

The views stated in this article is not to be construed as investment advice and readers are suggested to seek independent financial advice before making any investment decisions. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on carefully before concluding a sale.