Strategies For Loss in ULIP....

I have two thousand eight of LIC Market Plus was funded by his agent said . I am constantly throughout my premiums . But his agent revealed that my money down to 1 lakh 56 thousand to 2 million is left . What should I do ?
LIC Market Plus Plan is a ULIP plan . It is linked to stock market risk . Many insurance agents attractive returns in the market, such an insurance policy in the name of every marketing . On the basis of past performance of the market returns promised were similar in the future . This market is influenced by many investors to save tax by investing in a ULIP plans to invest in the hope of better returns . Since 2008, the average performance of the markets because the insurance plan which is less than the NAV ( net asset value ) was less than their original investment .
In our opinion ULIP investors should invest for the long term , because it does not work on investment of less than 10 years . If you have to pay the required premium and you do not want to invest further . But the loss of your investment to surrender the policy will be removed .

Insurance And Sickness System

Last month, the U.S. government is aware of reports of all living people may be aware of the occurrence of stop functioning . Additionally , they will also know that the prisoner known as the Obamacare in the extent of the health insurance reforms . Health services in developing countries are the most expensive in America . The poor quality of health services in the U.S. only . Additionally , the attitude of the consumers to the health insurance system is going to be the enemy . It not only business newspaper reader , get to know other people .'s .
In India, people do not need to do that . Around us is always provided by central or state governments are free wellness facilities . Now that the health system has developed in the country , at every level of high -quality medical facilities can be provided . Regardless of whether the village primary health center or specialty hospital in the country . What can be done in the U.S. ? No. But the cost of health services and health insurance concerns are growing rapidly in almost all rich Indians . Government health services are basically focused on current and retired employees . Private health services not only the quality is questionable , but they are so expensive that no one member of the family to be suffering from serious illness , many people simply go bankrupt . The average amount that includes people who have health insurance leads .
Increasing the pace at which prices of these services , from healthcare costs and health insurance in India soon as the U.S. can become a major financial issue . Medical Care in India is soon going to become a major financial issue . This position is also about the quality of these facilities . If you talk to people in any hospital today (as I did recently ), you will find that the biggest cause of stress is not a disease , but rather fall under the insurance cover is extremely amount of .
This is definitely a lack of financial planning . However, the regulation needs to focus equally on the debate . Overcharging issue is that hospitals and insurance companies to limit coverage to the outside and the disease is progressing . Health insurance business in the U.S. since 1990 to determine reasonable rates instead has focused on ways to avoid coverage . The only healthy people sell insurance policies and increase profits . These working in India has made considerable inroads . There are two solutions to this problem . So Obamacare , which states that healthcare and health insurance personal and profits - while maintaining a focused business rules , to refuse problems will focus on cost and coverage . The second kind of solution is being implemented in countries where health services are better . It is envisaged that the medical sector is an exception to preserve the efficiency of the market . This is an area where customer information or rationale is not in a position to choose the option . Socialist solution can only be applied in this area . The same principle should be applied in India , otherwise a large number of Indians have become a victim of medical expenses related to financial disaster . Only a few people will be able to afford it .

Life insurance is the primary Priority

Insurance is a product that provides protection to the policyholder 's lifetime . Any person working on which many dependents rearing responsibility , it is a necessary investment . In the event of the policyholder's death to his family financial security it provides .

Life insurance is the primary means of financial planning . This time alone in the way you and your family
financial protection .

The basic goal of life insurance is to replace such losses , for which we are not prepared . It offers help in dealing with unexpected losses . Life insurance products provide protection from unseen events are designed to enable . No other investment can not provide such protection .

Life insurance new product

In the insurance sector from January 2014 new rules - rules are applied . But the purpose of life insurance is the same . The new guidelines will also serve as life insurance, long-term objectives . Insurance Regulatory and Development Authority ( IRDA) life insurance products under these guidelines are divided into three categories : traditional life insurance plans , variable life insurance plans (Variable Insurance Plan or VIP ) and unit - linked insurance plans (ULIP ) . They will lead to the sale of insurance products and more need-based life insurance protections . Also surrender value will get better and improve Diclojr . Additionally , customers simple and customer - friendly insurance plans will enjoy . The new traditional insurance products to customers in the event of death cover will achieve much . Regular premium policies to customers under the age of 45 years of annual premium equal to ten times , while older ones will cover seven times . The minimum death benefit will be equal to the sum insured in traditional plans . You can also get some other benefits as well .
I
n case of ULIP insurance companies now policyholders every month to give notice of a decrease in yield . They have been linked to an index . Get 10 per cent commission to agents under ULIP . Among the rules to eliminate the VIP ( Diskantinyuesn Norms ) and the fee structure is similar to ULIP . As far as charges are concerned , short-term policies under the new guidelines, the commission has been reduced . Additionally , the amount of commission on all premiums have been added . This will lead to long-term sales . It is in the interest of both customers and insurance consultants .

Long-term safety and savings

Despite the arrival of new life insurance products will make great financial tool , and the only security would be a component of overall financial plan instead . This asset creation , conservation , heirs to hand whenever they need to plan and prepare the ground to receive cash . The people will lead to long-term regular savings habit . This collection will encourage not only the property , but also for future funding requirements will ensure sustainable growth . It will not deviated from its long-term goals .
There is no right age to start insurance of the way . But as early as the beginning is just as much benefit in the long run . Way of insurance premium increases with age . More physically fit you are at least age and health would marry . This helps to keep the cost of insurance premiums has to lose . Roughly twenty times the amount of your annual income should be equal to the life insurance . Life insurance should be paid to any individual family members . Contribute financially to the family according to the value of the life insurance needs to housewives . And then , in view of future earnings prospects and risks should consider life insurance for children . Premature mortality or longevity - may have to face in life both cases . And life insurance is required in both cases . Many products are available for it . The term insurance , children's insurance plans , endowment policy , health plans , pension plans , ULIP offers .

Needs assessment

When buying a life insurance policy is extremely important to assess your needs . It should look at what point in that age which may have a job , what is the number of dependents , financial goals , etc. , how and what lifestyle . You want to live a comfortable life after retirement and are fixed . The best way to spend those golden years, you must unite all their properties correspond to regular income . Health and calculation of the costs of treatment and also arranged for his family must leave some money . For this you should invest in a pension plan and health cover . Although no harm in taking investment based life insurance policy , but the first to provide protection to the dependents in terms of security policy is prudent to buy . Term insurance policies that provide coverage to cover the loan . They do not get back the premium paid at maturity . But the policy term, the policyholder gets a lump sum on death of the family .

News Rules For Medical Insurance

If you have small hospital will treat this July will not mediclaim. IRDA has changed many rules of medical insurance. IRDA has also prepared a list of 200 products mediclaim will not find in other expenses. It must now undergo treatment in hospital before you take out that there are many beds.

IRDA guidelines recently released under the 10-bed hospital treatment will not cost you Mediclaim cashless facility. IRDA has said that the definition of the Hospital with a population of less than 10 million 10-bed hospital in the city for mediclaim is required. The 15-bed hospital in the city of 10 million above the cost of treatment will only Mediclaim.

Health insurance is most important for every ne in his life

You are well aware that an emergency can occur anytime. It can not know in advance. With increasing life limits the possibility of new diseases that linger around us as a threat. Keeping this in mind, everyone should think seriously about providing medical insurance.

Different - different requirements of different age groups

In the life of every individual doctor's fees, costs of pathological tests and medicines are attached. Either we can raise money from the insurance or the use of capital must already possess.



Personal Accident Insurance for the vehicle to be running is very important. However, even if you are a disciplined person, you should get medical insurance for their children. Unless it is your responsibility to provide security cover them until they themselves are incapable.

Insurance or Insurance Company of myself



Also provided by the insurance company does not cover serious illnesses.

In India, medical insurance policies of different companies vary. Some policies do not cover all the serious illnesses. While in the early years under the policy does not provide cover for serious illnesses. We advise that you conduct your own medical Insurance to reduce the risk. As soon as you have the more you will benefit medical insurance.

Take Individual or family floater policy

If you are able to bear the expense it would be better for every member of the family individually bike Individual policy. This will get you as much cover your every family member will be fully protected.

However, if you want to spend some money to take a family floater option is not too bad.

Example: A family in which the husband and wife and their two children. Husband and wife is close to 30 years of age. The family has a family floater cover of Rs 5 lakh with an annual premium of Rs 7,500.

One thing for sure, however, that health should take the money from the mediclaim policy as Reimbursement Reimbursement anything to get and pay for this.

Financial Planing For your Life And For Your Child Future

Multiply the right financial planning can make your money. Are told that financial planning is important in your life
 Investment for the common man to understand the process, learning is very important. What are the aspects of what is right, what is wrong, how and who - should invest at an early age. Where such returns, what is important to be aware of these things had to take risks. The best stock market returns over the years. There is no such instrument like stock market returns. But investors should take Courage to stay in the stock market.

They retirement, healthcare and education for children and for many things and it is important to invest part of financial planning is very important. Where the investors would think that everyone should invest in order to further their goals were the same lifestyle. Investors stocks, mutual funds, pension scheme, such as PF or Gold individually can invest in instruments.

If the investor would see 20 per cent of its income from the start, almost everyone will be able to achieve. In addition to home loan and education loan debt investors should stay away from each other. Car loans should only be required. Goals should always keep in mind while inflation. Systematic as well as asset allocation and investment is also very important. Keep all the documents properly and make sure your will.
Life is real work to secure my family's financial situation. 3 Life insurance policy you took on the name, but the term is also not covered. So you should take a term plan of Rs 1 crore 25 lakh term plan should take your wife. HDFC, ICICI Prudential Life's I care or you can click to Protect. Endowment  and put money in ULIP insurance for you. ULIP plan that performs well in a long time.

Young and small enough health plan for your family, then you need to take. You can take a family floater health plan. Apollo Munich Optima Restore Plus or Tata AIG Medi prime can also view the plan. Traditional risk cover plan is neither sufficient nor the best return. Cost of 1.5 million rupees equal to 6 months course should prepare an emergency fund. Also you can bank deposits as an emergency fund.

The long-term goal in mind Inflation due to a change in your goals. So you have all your long-term goal would be advisable to invest in equity. Diversified mutual funds you should invest in the Fund through SIP. Considering inflation, the daughter of the studies will aim to Rs 1 crore. In the 16 years to complete, you will need to invest Rs 18,000 every month.
Retirement in 30 years time every month for Rs 8 crore and Rs 26,000 to Rs 8,000 for a married daughter would find. PPF retirement planning for you to keep and share investments. Insert Remove the money you deposit in debt oriented fund company. If you will be using the current investment of Rs 18,000 every month for retirement and you will find.