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Category: Life Insurance

Why You Need to Get Life Insurance?

by Dev AshishFebruary 21, 2023March 3, 2023Leave a comment

When it comes to correctly putting the building blocks of your personal finance, Life insurance is the first tool that you should consider to secure the well-being of your family and dependents. In fact, it should always be insure first…

Read More Why You Need to Get Life Insurance?

Life Insurance, Personal Finance

IRDA Life Insurance Claim Settlement Ratio 2023 (Updated)

by Dev AshishJanuary 29, 2023January 29, 2023Leave a comment

The latest update for 2023 Life Insurance Claim Settlement Ratio has been published by IRDA (link). If you are looking for the highest claim settlement ratio in life insurance or the best life insurance company in 2023 (based on claim…

Read More IRDA Life Insurance Claim Settlement Ratio 2023 (Updated)

Life Insurance

LIC SIIP is NOT a SIP. Avoid this ULIP named SIIP (2023)

by Dev AshishNovember 26, 2022November 26, 20221 Comment

LIC SIIP is not SIP. I repeat. LIC SIIP is not a SIP that you know about. LIC has a ULIP plan which is (surprisingly) called LIC SIIP (2023). Why the choice of name is surprising is that the word…

Read More LIC SIIP is NOT a SIP. Avoid this ULIP named SIIP (2023)

Life Insurance, Personal Finance

Term Insurance Benefits & Using Calculator to Find the Right Cover

by Dev AshishAugust 24, 2022August 29, 2022Leave a comment

Buying a term insurance plan might be one of the wisest decisions you can take to ensure the financial stability of your family in case of your absence. It is the simplest and most effective form of life insurance The…

Read More Term Insurance Benefits & Using Calculator to Find the Right Cover

Life Insurance, Personal Finance

Don’t buy Rs 1 Crore cover Blindly. Use Term Insurance Calculator to Decide

by Dev AshishJune 6, 2022June 6, 2022Leave a comment

Term insurance is the simplest and most effective form of life insurance. It is a life insurance policy where you pay a small premium annually for a sum assured and for a period. The sum assured means the sum which…

Read More Don’t buy Rs 1 Crore cover Blindly. Use Term Insurance Calculator to Decide

Life Insurance, Personal Finance

Life Insurance Corporation of India (LIC) IPO 2022 – All You Need to Know

by Dev AshishApril 27, 2022May 3, 20221 Comment

It’s finally here. Here is all that you want to know about the LIC IPO 2022: LIC IPO shall be open from 4-9 May 2022 LIC shares will list on 17 May 2022 The IPO size is Rs 21,000 Crore.…

Read More Life Insurance Corporation of India (LIC) IPO 2022 – All You Need to Know

Investing, Life Insurance

ULIPs Vs LIC Traditional Endowment Plans – Which is Better (2023)

by Dev AshishJanuary 6, 2022January 1, 2023Leave a comment

For life insurance, term insurance is a simple, cost-effective and wise choice. But there are still many who want to put money in LIC’s traditional insurance plans like Moneyback policies and Endowment plans. But does it make sense to choose…

Read More ULIPs Vs LIC Traditional Endowment Plans – Which is Better (2023)

Life Insurance 2023

How are ULIPs taxed in India (2023)?

by Dev AshishNovember 16, 2021January 1, 2023Leave a comment

From 2018 to 2021, ULIPs had become the favorite of many (mostly HNIs) because of the exclusive tax-free status they enjoyed when compared to the then-newly announced LTCG taxation of mutual funds. But this was changed in 2021 when the…

Read More How are ULIPs taxed in India (2023)?

Life Insurance

Why ULIPs are not a great investment? (My column in Morningstar)

by Dev AshishFebruary 9, 2021February 6, 2021Leave a comment

Recently, my thoughts on ULIPs and why they should be avoided (even by HNIs) were published on Morningstar (India). In this one, I try to clear the air about the recent change in taxation of maturity amount of ULIPs and why…

Read More Why ULIPs are not a great investment? (My column in Morningstar)

Life Insurance ULIPs

ULIP vs Mutual Funds: ULIPs lose tax arbitrage (Budget 2021)

by Dev AshishFebruary 3, 2021February 3, 20211 Comment

So after the new announcement in Budget 2021, that ULIPs will be taxed liked MFs if annual premium exceeds Rs 2.50 lakh and hence, ULIPs no longer offer the tax arbitrage that was pushed by ULIP sellers till now. Just…

Read More ULIP vs Mutual Funds: ULIPs lose tax arbitrage (Budget 2021)

Life Insurance, Mutual Funds, Personal Finance ULIPs

Maturity proceeds of ULIP with Rs 2.5 lakh annual premium to be Taxed

by Dev AshishFebruary 1, 2021February 3, 2021Leave a comment

The Union Budget 2021-22 has removed the disparity between taxation of ULIPs and mutual funds. At least to a very large extent. The Budget 2021 has withdrawn the tax-free status for maturity amount on fresh ULIP purchases if the annual…

Read More Maturity proceeds of ULIP with Rs 2.5 lakh annual premium to be Taxed

Life Insurance

Don’t Buy ‘Return of Premium Term Plans’

by Dev AshishDecember 8, 2020November 21, 2020Leave a comment

It is a no brainer that when it comes to life insurance, its best to purchase term insurance policies. By paying a very small premium every year (generally a few thousand rupees), you get a large life insurance cover. And…

Read More Don’t Buy ‘Return of Premium Term Plans’

Life Insurance

Laddering Life Insurance Policies – Is it Useful? (in India 2023)

by Dev AshishDecember 2, 2020January 1, 2023Leave a comment

Have you heard of life insurance ladders? Or laddering of life insurance in India? If yes, then great. If not, then this would be interesting for you. You will agree that life insurance requirements are fairly dynamic and different for…

Read More Laddering Life Insurance Policies – Is it Useful? (in India 2023)

Life Insurance 2023

Health Insurance or Life Insurance – Which to buy first?

by Dev AshishNovember 20, 2020November 19, 2020Leave a comment

Life vs Health insurance. Both are important for most people. So its actually not about health insurance vs life insurance. Rather it's about life insurance AND health insurance. And sooner or later, one should have both these insurances in one’s…

Read More Health Insurance or Life Insurance – Which to buy first?

Health Insurance, Life Insurance, Personal Finance

First Life Insurance. Then Invest.

by Dev AshishDecember 13, 2019Leave a comment

Imagine you are the father of a newly born daughter. And since your spouse is a housewife and your parents are retired, you know you are the only one bringing money on the family’s table. Given your responsibilities and understanding…

Read More First Life Insurance. Then Invest.

Life Insurance, Personal Finance life insurance, term insurance

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Disclosure: As on February 28, 2023

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Recent Posts

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  • Why You Need to Get Life Insurance?
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