Life Insurance

Planning for those days in your life where you have decide not to work anymore. A retirement planning ensures that you and your family members receive a regular income in the form of Pension amount post a retirement date. To live a better life during your retirement, it is not advisable to solely depend on the company pension plan or other returns. Instead, you should plan and invest in funds that give you higher returns and flexibility to choose the retirement date to help you fulfil your dreams.

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A Monthly Income Plan is nothing but a Debt Oriented Mutual Fund which pays the income in the form of simple dividends. These funds are heavily invested in debt instruments like - debentures, corporate bonds, government securities, etc. This plan is beneficial for investors who are looking for medium risk investments or steady income flow. Currently, as per one of the reports the returns received under this plan is around 11.7% over the past three years. 

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Term insurance is a life insurance provided for a limited period. It is one of the most simplest and fundamental insurance products available in the market. There are different types of term insurance policies available. Several policies offer a premium duration for 10yrs, 20yrs or 30yrs. 

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The rising cost for education in India is troubling lot of Indian Parent. It is assured that the cost for education in India will triple in the next 15yrs. The biggest questions which every parent needs to answer is - Are we prepared for such high cost?

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ULIP or Unit Linked Investment Plan is a financial instrument which is a combination of both insurance plan and investment option. It is a Life Insurance product, which provides risk cover and various investment options to invest in different number of qualified investments such as stocks, bond or mutual funds. The investments made are subject to risk associated with the capital markets, thus the investment portfolio needs to be borne by the customer.

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A Money Back Plan is a Simple Endowment Plan with a Liquidity Benefit. In Insurance terms it is called as an Anticipated Endowment Plan. Under this plan, there is a specific amount/ percentage of the sum assured is paid at regular intervals which is called as Survival Benefit. In case, the insured dies during the Policy Term, then a Death Benefit will be payable to the nominee and the policy would be terminated.

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Endowment Plan is a combination of Insurance and Investment Options. It offers three benefits to the policyholder under a single plan – Savings, insurance and tax benefits. This policy, not only provides protection to the insured but also helps the policyholder save some money on regular basis. The endowment plan promises a risk free and guaranteed returns on specified date as long as the premiums are paid. It is one of the most disciplined method of saving money for all your future financial needs.

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