Insurance and Financial Advisor

17/06/2023

To know more , call or wp on - 6290232312, and u will get best insurance advice free of cost provide by us.

01/06/2023

A unique policy with a guaranteed addition of rs.50/ per thousand sum assured throughout the policy period.

Policy term 15-20 year with 5 year relaxation on paying premium
to know more contact or wp on -6290232312
Email - [email protected]

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https://chat.whatsapp.com/IFzGsxzLCCM6BNkJVOGQbt

02/03/2023

21/08/2020

15/06/2020

LIC' S JEEVAN TARUN POLICY

Features of LIC Jeevan Tarun
It is a participating non linked limited premium pay plan
Offers mix of protection and saving features in the plan for children
Maturity benefit at age 25 for children
4 survival benefits options can be chosen in the plan
Plan can be purchased by parent or grandparent of a child from ages of 0 to 12 years
Date of risk commencement for children age of less than 8 years is 2 years. Those who have attained 8 years of age the risk will commence immediately.

12/06/2020

LIC SIIP (Plan No. 852) – Should you invest?
# Why SIIP-I am not sure why LIC opted this name 🙂 Is it to compete with the Mutual Fund industry where the concept of SIP is very much famous and many investors think SIP is a product not a way of investment. I am not sure why this mad rush of choosing a product name-calling SIIP.

# GUARANTEED Addition:-LIC claiming that it is first of it’s kind that ULIP is offering some guarantee. However, there is no clarity as of now on when they pay it. Let us wait for clarity. However, as per my knowledge, it hardly charges the return equation.

# Return of Mortality charges at maturity:-It is one more gimmick to attract customers. How much will be the mortality charges of LIC’s such product? Above that what will be the value of such mortality charges when the policy mature down the life after 20 years or 25 years? It is just a peanut. I am not sure why LIC opted for this feature. Is it to showcase that Term Life Insurance products offer the return of premium and hence we too do it in ULIP?

# Charges:-Even though LIC claim that there are no policy admin charges, however, you have to pay premium allocation charges and fund management charges. Fund Management Charges are as high as around 8% for 1st year for offline policies and 3% from 6th year onwards.

Even if we consider the online plan, the cost is still high compare to the mutual fund industry. I think to compete with Mutual Fund industry with respect to expense ratios and portfolio exposure clarity, ULIPs must change its complete view.

# Death Benefit:-In case of the death of the policyholder, the nominee will receive higher of-basic sum assured, fund value or 105% of the premium paid. However, if you separate insurance with investment, then in case of the death of the policyholder, the nominee will receive both invested value and also the life insurance claim from term life insurance. Hence, if one is looking at this product as a Life Insurance, it is completely a waste.

12/06/2020

Enjoy the freedom to choose your premium as you buy insurance cm investment. Lic's SIIP - a regular premium, non participating, unit linked, individual life insurance plan.
Buy online or contact me...

11/06/2020

COVID -19 IS COVERED
Yes, claims arising due to Covid-19 are admissible as per the policy terms. For Covid-19 related info on your policy
Click here https://www.licindia.in/Home/ Covid-19-information-to- policyholder

10/06/2020

If You are not a registered user, not to worry. Lic's Direct pay option let's you easily pay your Premiums and loan installments without registering and that too from the comfort of your home and at the time of your choice.
To pay, visit https://ebiz.licindia.in/D2CPM/

10/06/2020

Lic presents Pradhan mantri Vaya vandana Yojna a 10 year assured return scheme for senior citizens over 60 years, subsidized by Govt. Of India. The Pensioner can choose Monthly/ Quarterly/Half Yearly or yearly mode of pension.Loan facility also available after 3yrs.For More details contact or Inbox me. Or visit website https:// licind.in/