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We plan ahead for so many things — renewing a vehicle policy, booking tickets early, even comparing gadgets before buying. Yet, when it comes to health insurance, the most common response is: “I’ll do it later.” The Psychology of Delay Health insurance doesn’t feel urgent when life is smooth. Bills are paid, investments are growing,…
We often hear in the news: “The rupee has fallen.” But what does that really mean for everyday people? Is it always bad news, or can it sometimes help? Why This Article Matters You might have read many articles on the rupee’s ups and downs, but rarely one that explains the subject in such a…
Many people are confused about India’s new tax regime. They ask: “If there is no tax up to ₹12 lakh, why do we still see slabs like 0–4 lakh, 4–8 lakh, and 8–12 lakh?”Let’s break this down in simple, everyday language. Slabs vs. Rebate Think of slabs as the rules of the game and rebate…
With ongoing conflicts making global headlines, the question of whether insurance protects against war has become more urgent than ever. Families, travelers, and institutions are rightly concerned about how their policies respond in times of geopolitical instability. The reality is that war creates systemic, unpredictable losses that insurers cannot price sustainably. That’s why most policies…
Healthcare costs are rising faster than ever, and many families are realizing that a single health insurance policy may not always be enough. To safeguard against unexpected medical expenses, some people choose to buy multiple health insurance policies. But this raises an important question: Can you claim health insurance from two insurers for the same…
Family health insurance is more than just a policy — it’s peace of mind. Learn how one plan can cover your entire family, save you money, and provide financial security during medical emergencies.
Planning for a secure and comfortable retirement involves making strategic financial decisions that ensure a steady income stream throughout one’s golden years. One such prudent choice is incorporating guaranteed return whole life insurance plans into your retirement portfolio. The Life Insurance Corporation of India (LIC) has introduced the New Jeevan Utsav Plan 771, a whole…
What Are Bonds? Bonds are fixed-income instruments issued by governments, corporations, or financial institutions to raise funds. When you invest in bonds, you essentially lend money to the issuer in exchange for periodic interest payments and the return of the principal at maturity. Bonds are considered a relatively stable investment compared to equities and can…
What exactly is Term Insurance? Term insurance is a type of life insurance that provides financial protection for a specified period. If the policyholder passes away during the policy term, the nominee receives the sum assured. Unlike other life insurance policies, term plans are affordable as they do not offer maturity benefits. This makes them…
How to select a health insurance policy? Health insurance policies are essential for safeguarding your financials during medical emergencies. An ideal health insurance policy covers the basic costs of hospital stays and treatments and also include benefits like pre- and post-hospitalization expenses, day-care treatments, and even domiciliary care. Choosing the right plan involves understanding various…
LIC’s Index Plus Plan no. 873 is a Unit Linked Insurance plan (ULIP). It is a Regular Premium, Individual Life Insurance plan which offers life insurance with investment, allowing policyholders to invest in equity market through major indices Nifty 50 & Nifty 100 during the term of the policy. Why should you buy LIC’s Index…
LIC Employer Employee Scheme is a policy where and employer buys life insurance policy for its employees. Benefits to the employer Benefits to employees Tax Employee Eligibility To be a part of the Employer Employee Scheme an employee should satisfy following conditions. Disclaimer: The information provided in this blog is for general informational purposes only…
Mutual funds offer schemes for varied investment objectives and risk appetites and each category fulfills a unique role in an investor’s portfolio. Let us check the different types of mutual funds available. AMFI Fund categorization Earlier, mutual fund schemes were grouped as Equity, Debt, Hybrid, Solution Oriented,and Other Schemes. SEBI has issued a new circular…
If you are a person aware of recent developments in investment options, you must have heard about Alternative Investments Funds (AIFs) and REIT as an Alternative Investments. If not, this is the most simplified write-up that you can find to understand the asset class. Alternative Investments are about unconventional asset classes unlike stocks, bonds etc….
HUF – ‘Hindu Undivided Family’ is a unit comprising of the members of the family that is formed in a family following Hinduism, Sikhism, Buddhism, Jainism only. HUF is a separate entity having its own assets and liabilities and is considered as a separate accessee while filing income tax and thus provide opportunity to save…