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43 Results Found
  • Term insurance premiums to rise from April: Lock into lower rates now Mar 15, 2021 10:31 AM IST

    Term insurance premiums to rise from April: Lock into lower rates now

    An increase of 10-20 percent is expected life insurance premiums. It may be cheaper to buy a cover now.

  • Saral Jeevan Bima: Simple term insurance covers with expensive premiums Mar 15, 2021 10:04 AM IST

    Saral Jeevan Bima: Simple term insurance covers with expensive premiums

    The IRDAI-mandated standard term insurance cover’s premiums are 25-100 percent costlier than regular term policies

  • How you can increase your term insurance cover amount Feb 25, 2021 10:39 AM IST

    How you can increase your term insurance cover amount

    You can buy a new term policy or choose the increasing cover option with your existing insurer.

  • 5 myths on buying term insurance busted Jan 07, 2021 09:28 AM IST

    5 myths on buying term insurance busted

    If you have an existing condition, it might increase your term insurance premium amounts. But go ahead and pay the price

  • Coming on January 1: Saral Jeevan Bima - a simple, standardised term insurance policy Dec 28, 2020 07:59 AM IST

    Coming on January 1: Saral Jeevan Bima - a simple, standardised term insurance policy

    A standardised term insurance policy ensures that policy features are the same and worded similarly, irrespective of which insurance company you buy it from

  • Why higher premiums should not stop smokers from buying term insurance covers Dec 25, 2020 09:42 AM IST

    Why higher premiums should not stop smokers from buying term insurance covers

    Given the alarmingly high mortality rate amongst smokers, life insurers charge substantially high insurance premiums

  • Term insurance: How much coverage do you need? Nov 24, 2020 10:33 AM IST

    Term insurance: How much coverage do you need?

    Before deciding your term insurance plan’s sum assured, assess the financial requirements of your loved ones, your current savings and your existing liabilities such as home or car loans

  • Does standardisation of insurance products help policyholders? Nov 12, 2020 10:20 AM IST

    Does standardisation of insurance products help policyholders?

    In a standardised product regime, price becomes the principal differentiator among insurance companies

  • How to buy a term insurance policy despite being a smoker Nov 10, 2020 09:46 AM IST

    How to buy a term insurance policy despite being a smoker

    Prominent life insurance companies do offer term insurance plans with adequate sum assured, at affordable prices

  • 6 factors to help you choose the right term insurance cover Nov 06, 2020 09:27 AM IST

    6 factors to help you choose the right term insurance cover

    Do not choose unnecessary riders with a term insurance plan; take a standalone policy instead

  • Tracing the staggering growth of term insurance in India over the last decade Oct 15, 2020 09:58 AM IST

    Tracing the staggering growth of term insurance in India over the last decade

    Since 2009, the number of private sector insurance companies has increased manifold, and the policies offered by them are diverse and designed specifically for your needs

  • Term insurance: How much should your coverage amount be? Oct 07, 2020 09:48 AM IST

    Term insurance: How much should your coverage amount be?

    The term insurance cover should be calculated after factoring in existing savings and investments

  • Why the claim settlement ratio isn't the best measure for comparing term insurance policies Sep 21, 2020 09:21 AM IST

    Why the claim settlement ratio isn't the best measure for comparing term insurance policies

    The ratio just indicates the claims that have been settled by a company in the past

  • Our term insurance premiums not costly, private firms’ rates were unsustainable: LIC Jun 18, 2020 11:12 AM IST

    Our term insurance premiums not costly, private firms’ rates were unsustainable: LIC

    LIC’s term products launched last year, with lower premiums, could be the cheapest ones available in the market

  • Why buying multiple term covers won't reduce the risk of claim rejection Feb 12, 2020 09:40 AM IST

    Why buying multiple term covers won't reduce the risk of claim rejection

    It cannot happen that with exactly the same disclosures made two insurers, one would accept and the other would reject your claim based on incorrect/non-disclosure of material facts

  • Are term plans that return premiums worth buying? Dec 19, 2019 08:52 AM IST

    Are term plans that return premiums worth buying?

    For fulfilling one’s life cover requirement, buying a pure term insurance plan through the online mode is the best choice

  • Audit your personal finances to keep money matters in order Sep 16, 2019 08:46 AM IST

    Audit your personal finances to keep money matters in order

    A personal finance audit will help you stay on track and make adjustments to keep your finances in order

  • Viewpoint | Avoid term insurance plans that offer to return your premiums Aug 13, 2019 09:52 AM IST

    Viewpoint | Avoid term insurance plans that offer to return your premiums

    Just purchase a simple term plan and invest the excess difference amount  in PPF, equity funds, etc.

  • Death, divorce: 10 steps for women to be secure in adversity Mar 09, 2017 12:51 PM IST

    Death, divorce: 10 steps for women to be secure in adversity

    Financial planners and advisors feel women, both working and homemakers, should keep themselves prepared to deal with financial uncertainties given the social structures.

  • Celebrate womanhood, invest smartly on International Women's Day Mar 07, 2017 12:10 PM IST

    Celebrate womanhood, invest smartly on International Women's Day

    A woman's financial plan must be aimed at creating long-term financial stability. Their emotional needs must be factored into the financial plan.

  • Optimizing claim settlement options in term life insurance plans Feb 28, 2017 02:41 PM IST

    Optimizing claim settlement options in term life insurance plans

    As time passes, term plans have started losing their simplicity. Now it comes in various versions where by insured may ask for a lump sum benefit or a distributed benefit for his nominees.

  • How to decide if it is right to buy home now? Jun 24, 2016 05:45 PM IST

    How to decide if it is right to buy home now?

    Three questions can help you in arriving at the right decision when it comes to your housing need.

  • Pure term insurance plan or ‘TROP‘: Which one is better option? Jun 16, 2016 05:34 PM IST

    Pure term insurance plan or ‘TROP‘: Which one is better option?

    Pure term insurance plan pays if the life assured dies in the term of the policy and nothing else. TROP offers to pay all premiums if the life assured survives.

  • Evaluate before you opt for traditional insurance policies Jan 19, 2016 05:58 PM IST

    Evaluate before you opt for traditional insurance policies

    Traditional insurance policies offer lower coverage as compared to term insurance for the same amount of premium. At the same time traditional insurance policies offer lower rate of returns as compared to other options.

  • Term insurance – because your family needs financial protection Jan 11, 2016 02:52 PM IST

    Term insurance – because your family needs financial protection

    Term insurance enables you to secure your family‘s future. It pays when you are not around and your loved ones can enjoy the same lifestyle they enjoyed when you were around.

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