Prime review: LIC’s Dhan Sanchay
Insurance
Bipin Ramachandran

Prime review: LIC’s Dhan Sanchay

LIC’s Dhan Sanchay offers a guaranteed income or a guaranteed lumpsum benefit, in return for either single or regular premium payments. It also provides life cover. This is a non-linked, non -participating, individual savings plan. This effectively means that the returns from this plan are not linked to the market or LIC’s own performance.

Premium article available only to subscribers.

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A health insurance policy for the cost-conscious buyer
Insurance
Bipin Ramachandran

A health insurance policy for the cost-conscious buyer

When it comes to health insurance, PSU insurers may not offer the friendliest products, but they certainly score on claims settlement and affordability. Here, we review an affordable policy from a PSU insurer with a good claim settlement record.

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younger policyholders, A policy designed for younger policyholders
Insurance
Bipin Ramachandran

Insurance review – A policy designed for younger policyholders

We’re starting our insurance review series with Star Health Young Star Insurance Policy. This is a policy designed for younger policyholders who are either single, or just married or in the early stages of their career.

Premium article available only to subscribers.

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HDFC Life Sanchay Plus
Insurance
Aarati Krishnan

Prime Review: The new HDFC Life Sanchay Plus

HDFC Life Sanchay Plus is a non-linked, non-participating plan, which means that your returns from it are not dependent on the market or HDFC Life’s performance. You will be paid the promised return irrespective of both. The plan carries a life insurance component along with a return component.

Premium article available only to subscribers.

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Arogya Rakshak, LIC, LIC Arogya Rakshak
Categories
Pavithra Jaivant

LIC Arogya Rakshak – should you go for it?

The LIC Arogya Rakshak falls somewhere in between a hospital daily-cash policy and a critical illness cover. It is an individual health insurance plan from a life insurer that provides a definite benefit unlike indemnity health covers that only reimburse hospital expenses. It can be taken either on an individual or a family floater basis, with one member being the Principal Insured (PI).

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LIC New Jeevan Anand, LIC New Jeevan Anand Policy
Categories
Bipin Ramachandran

What’s your return from LIC New Jeevan Anand policy?

The most popular of such endowment policies is a policy called the “LIC New Jeevan Anand”. It makes a simple, attractive proposition to its policyholders – pay a premium for ‘n’ number of years and get a fixed sum assured PLUS bonus at the end of this period. AND, when the policyholder dies post this period, the family will get the sum assured again. You benefit when you live and your family benefits when, eventually, you die!

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Jeevan Akshay
Insurance
Aarati Krishnan

Prime Review: LIC Jeevan Akshay VII

LIC has launched Jeevan Akshay VII – the latest version of its popular immediate annuity plan. So should retirees looking for regular income go for it? Here’s an analysis of its pros and cons.

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guarenteed returns
Insurance
Aarati Krishnan

Prime Review: HDFC Life Sanchay Plus

Advisors love to promote market-linked products, but guaranteed return products remain a big draw for Indian investors. Often the word ‘guarantee’ proves such a big lure that we don’t stop to check if the returns being guaranteed are better than the savings bank interest rate! When seen from a return perspective, there are very few guaranteed products from insurers that are worth considering for long-term investing.

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