Term Plans for NRIs and some investment queries

POSTED BY Viswanath ON January 19, 2014 7:02 pm COMMENTS (3)

Happy New Year !!

I wish to know the list of companies which offer term plans to NRIs. I live in middle east. It would be great if someone can put up a quarterly list of top 3 plans covering various topics:

Top 3 MFs (for short & long term in equity markets)

Top 3 Retirement plans

Top 3 Term Plans

I know many may not like the idea, but it would be helpful for people who feel difficult to keep track of changes.



3 replies on this article “Term Plans for NRIs and some investment queries”

  1. omshah18 says:

    HDFC bank offers best term plans for nris

  2. ashalanshu says:

    Dear Viswanath, you need to read this first if not read already.

    jagoinvestor. com/forum/finacial-planning-faqs



  3. AJ PlanRupee says:


    1] Yes, companies do offer Term Plan to NRIs.
    For example: ‘HDFC Life’ offers Term Plan to NRIs.

    2] Sorry, I did not get the meaning of your sentence “if someone can put up a quarterly list of top 3 plans covering various topics”
    … pls clarify/elaborate.

    3] Top 3 MFs for short & long term.
    To give a right kind of recommendation, it would actually depend on details like your -Risk profile, -Existing exposure (asset allocation) & -Investment horizon.
    However, for tax efficient Debt/Fixed Income funds, pls see the link in this same forum where I have answered a similar question today itself:

    4] Top 3 retirement plans.
    Here you are asking Life Insurance plans under the product basket retirement plans. ‘Insurance plans are sub-optimal investment’. Plain and simple. There is wide ranging material available on the web which you can read to finds out why insurance is a strict no-no as investment. You may do well with Term Plan and Health Insurance alone.

    Hope this helps you.

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