Hi, Please post your queries about the insurance plans you currently hold or are planning to buy. I will help you know the: Charges of the policy Returns you should expect from your plan Life cover Optimization in case you have less life cover Suggest changes in the insurance portfolio, if required. Regards, Shaishav
Hi shaishav , What is the best mediclaim policy that comes with less frills and good service. We are a family of 2 with husband 32 and wife 28
Hi Shaishav, I have LIC Jeevan tarang policy for 25 years with a annual premimum of 25K. Is this good, Its been 3 years now.Please give your valuable feedback on this. Thanks!!
Hi Kokila, It's a whole life plan which is the worst type of insurance plan available in the market. A whole life plan looks very very interesting but the IRR is less than 4% per annum. You will lose some money but please surrender the policy and go some alternate investment strategy. Regards, Shaishav
Thanks first to you ShaiShav for volunteering to help. I am considering an insurance investment for my 3 year son and Max NYL "Partner Plus" 15 / 20 year plan is what I am looking at now. The premiium for 20 years with a payee rider [if something happens to me, this clause covers paying for the rest of the years] is about Rs. 1.2 lakhs p.a. The illustrations assure a decent bonus and return. Also, my son is covered up to 75 years of his age then. I have to pay for 20 years. What do you suggest, Sir? -rgs
Hi Shaishav, My husband is a Govt employe and we are planning to invest in LIC,which policy will be best for us. thank you
Hi Vidya, What is the purpose of investment? LIC may not be a very good option. Let me know the purpose and I will suggest the best possible solution. Regards, Shaishav
Hi, This ia not a good option. Please do not go for this plan. What is the purpose of the investment. The rate of return is not more than 4-5% which is less than savings account. Regards, Shaishav
