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In lieu of "Sicko", and reading so many horror stories on health care denials, unpaid claims, etc, etc; it really has me scared to pick an individual plan. I keep hearing that most of ...
Hope u guys can settle an argument. My mate has accidental damage insurance via his home insurance. His stereo is pretty old and he told me he could buy a really good, but damaged one dead cheap, say ...
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The reason the doctor gave me the note is due to a knee injury that I have. Now my question is this, the injury was not work related so can I collect disability ins. during this time off???
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sanju
I have taken a ULIP Plan of Birla Sun Life Insurance. have I took a right policy?
Dear Sanju, actually, I am not in favour of any insurance policy. You know why? because a term deposit (fixed deposit) can give you better interest (bonus) than an insurance. An ins. policy of 15 or more years can give you maximum of 7 to 8% bonus per year, but in case of such long term fixed deposit in a reputed bank or finance company, you will earn even around 15% or more interest. The difference is that an insurance company seems offering bonus of 70-80% which is not true. It is actually 7-8% only. Because, it calculates the percent on 1000 rupees but a bank or finance co. calculates it on 100 rupees only. Insurance is fit for those only who are going to die soon.
MartinM
No doubt the easiest way to get insurance quotes is on the web.
Why would you waste your time on the phone calling around?
the last time i needed quotes on insurance i used one of these comparison sites and it was great.
this is the site i used and it was quick like less than 5 mins.
The last thing I want to do is listen to elevator music while waiting for a salesman.
Anyway I got good quotes and ended up saving money so I was happy.
So shop around and compare quotes which is easy on the net.
Good starting point is at this site.
http://insurance.deal4-you.com
Good luck.
Deva
can you give more details?
policy name-
premium amount-
allocation charge-
term-
delta
yes, u r right. u have picked up the best ulip scheme in the market
toknowmore
ULIPs from any insurance company will charge the insurance charges, allocation and administration charges and the balance will be invested in units. check the policy for houmany units you have and multiply them with the NAV. and then you will find how much you are loosing.
You can take an insurance policy at much cheaper rates from an insurance company and balance can be invested in 5 star rated ELSS funds where you can have tax benefits as well as high returns on your investments.
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