Hi Guys, I hold a HDFC Term plan and would like to increase the cover before I take up employment abroad in the US. I called the HDFC call center and they mentioned that it is not possible to increase cover within the same plan. Would you guys recommend taking an additional term plan here […]

Hey everyone, I’m on the lookout for the FAB rates that the LIC declares for different policies. I need a document or circular that anyone can mail to me rather than just assumptions that it would be a particular % of the SA. Does anyone have any such documents from the LIC? Also has anyone […]

Guys, I am considering taking online term insurance. My age 30. I am looking for a plan where i can specify nomination as percentage wise ( i have seen this kind in EPF, which i think useful when you have set of dependents). This is basically to segregate the nomination for dependents. Any Idea? Please […]

Hi Friends, I am planning to buy life insurance online from BankBazaar. Anyone can suggest me ,is it good way to buy or not?

Sir, my name is sharath, and recently i came to know about your blog. I am 21 year old and i also read your 16 personal finance principles every investor which made me to change in my daily routine about savings thanks for such a book, I borrow that book with my friend,i dont have […]

Hello, I have a LIC Jeevan Saral Policy since October 2008 (7 premiums paid) and with a yearly premium of Rs 36030 for 35 years. I have claimed 80C for all years but I feel the cover is in adequate. I feel I should surrender the policy and invest this amount into a term life […]

Hi, Bought Reliance’s Guaranteed Money Back Plan – on March 2014 with annual premium of Rs.97,000. Policy term 15 Years and Policy paying term 10 Years. Return will be like this March 2025 to 2028 – Rs.131,330 March 2029 – rs. 350,215 plus loyalty and maturity addition of Rs.262,650 and Rs. 131,330. Shall i continue […]

Hello all, I am 26. Single. Salaried. I would like to get your advice on Life Insurance and  Equity linked savings scheme. Please let me know if I am missing something or if I am wrong at any point. After (re)searching a lot  I have come to below conclusions 1. One should never mix life insurance […]

Hi Jagoinvestor members, While searching for online term insurance, I came across two different products from ICICI – icare & iprotect. The premium for iprotect is less as compared to icare. Can someone please help me understand what is the difference between these products ? Thanks Arpit Gupta

While looking at the IRDA annual report-statement 10 in the report, I found that the solvency ratio of some of the insurers are decreasing….for eg. Icici lombard, hdfc standard etc. Is this a cause of worry? Since IRDA mandates a minimum solvency ratio can this be ignored ?