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The Unit Linked Insurance Plans (ULIPs) have emerged as one of the best investment tools for new-age investors. Apart from offering the dual benefits of wealth accumulation and life insurance protection, it provides substantial tax benefits. Continue reading to know what are ULIPs, how they work, ULIP tax benefits, and how it helps you in your retirement planning. As mentioned, the Unit Linked Insurance Plans (ULIPs) are unique life insurance plans that combine the benefits of life insuran...
What are ULIP Tax Benefits?
Doesn’t it feel good to be protected? In today’s fast-paced life, where you barely get time for yourself, it is hard to take care of your health. In such a case, it is a reassuring thing to know that someone has you covered. A good life insurance policy ensures your peace of mind. We all know that buying term insurance is the sensible thing to do. While a pure life insurance policy ensures that your dependents receive the sum assured, you can get more out of...
How to Give Your Term Life Protection More Power!
The income tax return also referred to as ITR is a form that all taxpayers must fill and submit to the government for each financial year. This form contains information on earnings from varied income sources, Tax Deducted at Source (TDS), and savings and investments that qualify as tax deductions. After the computation of these, a tax is levied to the overall income earned in a year, which is then paid to the government. ITR is often considered to be a complex process. With so many things...
How to File ITR Online
Purchasing a life insurance policy is an integral means of financial security in the event of any unfortunate emergency. When individuals buy life insurance, they aim to secure the family and loved ones from any financial hardships that might arise in the event of the policyholder’s unexpected demise. Most people usually buy life insurance policy by merely comparing the premium amount which they would need to pay and thereafter, finalize on their insurance policy. However, this is us...
Know How Check the Claim Settlement Ratio
When you order a pizza do you ever ask the pizza parlour to add-on further accompaniments such as olives, jalapenos, extra cheese, etc. to enhance the taste of your pizza? These additional toppings are just what riders offer to an existing life insurance plan. In simple words, riders enhance the overall value and coverage of your life insurance plans. What are Life Insurance Riders? Riders, as explained above, are add-on coverages to increase the benefits of your life insurance plan. Th...
How to Make Your Life Insurance Plan Robust with a Rider?
Nowadays, life insurance has become the most important tax saving investment, playing an important role in an individual’s financial portfolio and granting security to the individual’s family. Under Section 80C of the Income Tax Act, life insurance is the most popular tax saving investment among the masses. What makes life insurance so popular is that it provides a maximum deduction of Rs. 1.5 lakh in a given financial year, also granting a pre-decided tax-free amount...
Choosing Tax Free Income and Investment Options
We all want to protect our family’s health at all costs and ensure their well-being. This goal can be largely achieved through family health insurance plans. You can either buy health insurance for every individual or get a family floater plan that covers all under one umbrella policy. But when you are selecting the best medical insurance for you and your family, it is advisable that you invest sufficient time into it. The process of research may be a tedious ...
Important Things to Consider Before Choosing Health Insurance Plans
Have some money lying around idle and don’t want the hassle of regularly paying premiums? Then the single premium life insurance is just the insurance policy you should opt for. As the name suggests, under the single premium life insurance you are required to pay a lump-sum amount of money into the insurance policy in exchange for a death benefit that is valid for the policy tenure. In simple words, it is a “fill it, close it and forget it” kind of policy where once the paym...
Benefits of Single Premium Life Insurance and life insurance tax benefits
Did you know that there is a significant impact of your lifestyle and especially, physical activity on brain health? Sleeping well, having an active social life, getting adequate exercise - all of these lifestyle factors contribute to brain health. But they are not talked about enough in this context. Studies suggest that people who exercise regularly have a lower risk of developing Alzheimer’s disease1. How? Think of the brain like any other muscle in your body. Exercise increases h...
Why Physical Exercise is good for brain health?
Cancer is an expensive disease to treat and manage. Aside from the emotional turmoil it brings with it, this master of all maladies is nearly always accompanied by a significant financial burden. Depending on the kind of cancer and the course of treatment adopted, the cost of cancer care can mount quickly, reaching as high as 30 lakhs. In some cases, it can go even higher. Aside from the expenses associated with cancer care itself, there are several other costs involved, such as diagnostic...
Cancer care can be extremely expensive: Here's how you can mitigate the cost
There is nothing as one size fits all when it comes to creating a wealth pool. It is a long process that requires a lot of commitment, patience, and motivation towards regular investment and saving. Also, one has to keep investing in the returns over and over again to maximize the benefits. Long-term wealth creation needs proper planning. It is vital to create a or a savings plan and regularize the expenses and investments accordingly.. Here are a few tips which can help you wit...
Tips for Long Term Wealth Creation
It might be a good thing to live in the present but absolutely disastrous to not plan for your financial future. And the only concrete financial planning you can do now for your future well-being is to save well and save hard. Savings are your treasure; they are the wealth that will fetch you the comfort when you most need it. Hence, you must focus on saving young and saving as much as you can. Here are some financial planning tips on how to make the most of savings: Make it a habit ...
Here’s How to Make the Most of Your Savings
What is Income Tax? Income Tax is a type of Direct Tax that came into force with the Income Tax Act, 1961. It is a portion paid by individuals and companies and applicable to any source of income or profits generated. Who is a Taxpayer in India? Taxpayers are classified as Individuals Hindu Undivided Family (HUFs) Firms Companies Body of Individuals (BOI) Association of Persons (AOP) Individuals are classified as Residents and Non-Residents. Residents a...
Basics and E–Filing Process 2021 Income Tax in India
With marriage comes a big responsibility and it is crucial that you consider all the ways that it will change your financial outlook. At the very basic level, you need to update your financial records with your new credentials, address etc. Diving a little deep, you will notice the need to revise your investments in accordance with what serves the needs of a married person better. One such aspect to look after is the health insurance policy you are enrolled in. The task is simple...
How to Add a Spouse To a Health Insurance
Have some money lying around idle and don’t want the hassle of regularly paying premiums? Then the single premium life insurance is just the insurance policy you should opt for. As the name suggests, under the single premium life insurance you are required to pay a lump-sum amount of money into the insurance policy in exchange for a death benefit that is valid for the policy tenure. In simple words, it is a “fill it, close it and forget it” kind of policy where once the paym...
Benefits of Single Premium Life Insurance and life insurance tax benefits
Education is an investment and one should always plan investments carefully. It is never too late to start planning your child’s education, but in a rising economy where expenses and the income are growing parallelly at the same rate, you must start planning as soon as possible. So, getting your child’s education plan in place for the future is the best gift you could give your child. An early start of any saving plans means lower investment and higher retur...
If you`re thinking of your children’s future, think of child education plan
When you earn a promotion, and obtain a hike in your salary, it’s always a reason for celebration. However, as your income grows, it’s also accompanied by a higher tax liability. Fortunately, the Income Tax Act offers a number of provisions to reduce the impact of higher taxes. By getting to know these provisions better, the average taxpayer can take advantage of the many tax-saving investments mentioned in the Act. Investment under 80C and 80CCD is one of the easiest ways to m...
The top tax saving instruments under sections 80C and 80CCD
Purchasing a life insurance policy is an integral means of financial security in the event of any unfortunate emergency. When individuals buy life insurance, they aim to secure the family and loved ones from any financial hardships that might arise in the event of the policyholder’s unexpected demise. Most people usually buy life insurance policy by merely comparing the premium amount which they would need to pay and thereafter, finalize on their insurance policy. However, this is us...
Buying a Life Insurance Plan? Know How to Check the Claim Settlement Ratio
The unit-linked insurance plan (ULIP) is a hybrid product which combines the benefits of investment and insurance in one product. ULIP is a variant of life insurance plans, which provides risk cover for the policyholder along with investment options. The policyholder can choose to invest in any number of qualified investments such as stocks, bonds or mutual funds. What is a lock-in period? A lock-in period, as the name suggests refers to the tenure for which you are locked with a ULIP, wi...
Things to know before discontinuing your ULIP premium before lock in period
Life insurance policies are an added security to you and your family in the later years. Given the uncertain times we live in, it is advisable to plan ahead of time and look after the interest of you and your family. There are many types of life insurance available in the market. Your need, requirement and purpose are the deciding factors for you choose an insurance plan. The types of life insurances in India are mentioned below: Term Insurance Plans These are the simplest a...
The Various Types Of Life Insurance
Life Insurance is always taken as a last resort, as a ‘when-all-else-fails’ deal. Seeing as how you won’t be around to lend your family a hand when this piggy bank is broken, you have to be absolutely certain as to the amount to which you have to be insured for the policy to be of maximum effectiveness. Life Insurance Calculators can be of benefit here. Life Insurance Calculators help zero in on the most viable insurance policy, depending on how accurate your predict...
Life Insurance Calculators - To Make the Most Out of Your Insurance
After dedicating years at an organisation day in and out, a good retirement is a gift well deserved. To make sure you are living it up even after 60 and ticking off your bucket list, investing in a good retirement plan in your early years is ideal. Look for investments that help you meet your life goals and requirements. A one-time premium pension plan is one such option that will make sure your requirements and holiday needs are taken care of. While a good pension plan takes care of...
Planning Your Retirement? 6 Places to Visit Before You Retire
Most individuals aspire to be an entrepreneur or a businessman and break the vicious 9-5 monotonous jobs cycle. They seek independence in professional decision-making. This sense of ownership and responsibility often results in tremendous financial growth both for the person and business. However, this also means that as an entrepreneur, you are entering into a high-risk zone. In order to cushion the risk, mere safeguarding your business is not sufficient, you also need to financially protect...
Why Buying Term Insurance is Vital for Entrepreneurs/Businessmen?
Life insurance provides financial protection to your loved ones in the family in the unfortunate event of your demise. If you find yourself wondering how your family will survive in your absence, or how they would have to compromise on their life goals and lifestyle, then term insurance is a way out. Uncertainty is a source of major anxiety for most of us, and with the fragility of human life, the anxiety multiplies. We cannot control how the universe works, but we can assuage our worries ...
How much term insurance does single parent needs?
The modern women are not merely confined to the four walls of their houses. They have been matching their male counterparts in every profession, be it sports, corporate, legal and even defence services. They are also spearheading their way into becoming the earning members of their family, especially where they are the single child, the elder child or a single mother. Therefore, it is quite natural that their life holds financial value to their family members, which is the primary reason why ...
Benefits and importance of life insurance policy for women | PNB MetLife
Why do people invest? Financial investments are important to secure your future against uncertainties and emergencies. Financial investment ensures that you have reasonable savings and are prepared for rainy days. It also helps you inculcate a habit and discipline of saving. You can better control your spending and saving pattern if you have a financial plan and one or more financial goals you are working towards. The whole point of investing is to grow your wealth, so if you find yourself...
How to get good returns from investments?
Living Your Life Young and Carefree? Then, you need insurance! Your twenties are full of excitement and new beginnings. You will take up a new job, travel to different places and meet new people. You will also take far more risks whether it’s going skydiving, or blowing up your salary on the trendy new smartphone. When life is this exciting, learning financial discipline typically takes a backseat. However, when you discipline yourself early, your finances will be in good shape for y...
Why Buying Best Life Insurance Policy at Early Age is Important? - PNB MetLife
The uncertainties of life spare no one, whether you are a high-earning individual or belong to a middle-income group. However, the insurance coverage can at least reduce the financial burden that that befall your loved ones after such unwanted eventualities. But there is one thing that needs to be considered so that you are perfectly protected under your term insurance - the size of your cover. No matter how good your insurance policy is or how credible your insurance provider, the ...
Term Insurance: How Big Should Your Cover Be?
From shopping to food to buying insurance, people have switched to the internet. Going online has remarkable benefits. The most obvious benefit to buying online term insurance plans is that you can study and analyse all the data and make an informed decision. While digital India continues to stride forward, here are some more reasons why you should also opt for an online term plan. Compare and buy - When you buy a term insurance plan online, you get th...
In this digital era, here`s why you should go for online term insurance plans
With your working years spent in the office trying to secure yourself financially well enough to fulfil your goals, retirement can often open up many unexplored horizons in your life. After the initial excitement of being retired wears off, the need to find ways to make life interesting and secure becomes a core requirement. Here are some ways to add purpose to your life after retirement: Build a healthy life: Incorporate new ways to make your life healthier by adding exercise, health...
Purposeful Life after Retirement
Anish had everything going well in his life. He had a good job, a home and he invested regularly. But one day, he got a call from his brother, who said he needed Rs 2 lakh immediately. Anish had no idea where he would get Rs 2 lakh from because his savings account did not have so much money and the rest of his money was invested in medium- and long-term investments. In short, while being prudent and smart with his investments, he had not factored one crucial component: the contingency fund. ...
Why you need a contingency fund and what is the best way to save for it
Investment decisions are among the most critical decisions of life. They not only do support your long-term and short-term goals but also serve as cover against unforeseen circumstances. One such important financial decision is to invest in a long-term savings plan. There are plenty of options available in the market you can choose from to invest in. However, before you make your final investment decision, there are a few things you need to consider to make the right and informed decision. ...
Find out the 5 Best Long Term Investment Options in India | PNB MetLife
Generally our families and loved ones depend on our income to fulfil their dreams and for better financial future. Many a time, we make the mistake of looking at life insurance in isolation which leads to a situation of underinsurance, i.e., the coverage amount not being enough to pay for the day-to-day needs and future dreams of those who rely on us for them. Therefore, in order to minimize the impact of unexpected financial vulnerabilities and fulfill saving goals, life insurance ...
Need of Life Insurance Policy at Every Income Level - PNB MetLife
Have you thought about how your family will continue with their current lifestyle if you were not there tomorrow? Will your spouse be able to pay the children’s school fees? Will your parents be able to get the medical attention they require? If not, its not late even now. The primary reason for investing in an insurance plan should be to ensure that the family income is protected even if something unfortunate were to happen to the breadwinner. With the evolution of the financial servic...
How can an insurance policy help protect and bolster your future investments?
As parents or parents-to-be, we often find ourselves contemplating over the security of our child’s future. Today, a number of child plans are available to ensure the future of your child is protected and she grows up availing basic necessities of life. Squeezing a child protection policy in our budget can be a task, but with the right insurance policy to suit your budget, one can easily chalk out a child plan in the long run. Here are ways to buy child insurance in your bu...
How to secure your child`s future expenses in your budget
With only a few weeks to go, 2020 is fast approaching. Following close on the heels of the end of the old year is another ending of sorts. Come March 31st, 2020, and you’ll have to bid goodbye to financial year 2019-20. Before the next financial year rolls around, you might want to look at some tax saving tips that can help you with your year-end tax planning. You have until the end of March to make investments or avail loans that you think can help you reduce your tax burden. If you&rs...
Useful guide for year-end tax planning and tax Savings| PNB MetLife
A Term insurance is the most basic form of security that you can provide your family with, along with the benefit of making tax saving investments. The easiest form of Life insurance, a term plan is a no-brainer when it comes to providing financial security to your family. An online term insurance provides pure risk cover, with relatively low premiums. In case the policy holder expires over the policy term, the fixed sum assured is paid to the beneficiaries as a payout. T...
Secure your family`s future along with benefits on tax savings
Who doesn’t want to save taxes on their hard-earned income? This is particularly why you are certain to find a number of income tax saving investment options and instruments available in the market to help you reduce your tax burden. While some offer incredibly high returns while others offer a comfortable cushion for your post-retirement plans. Whatever your specific financial needs may be, there is possibly an income tax saving option for you out there. But, keeping in mi...
Investment options that help you save tax
As the name suggests, term insurance is a protection plan for a specified term for your family and loved ones. This life insurance plan is a necessity to protect your family from any unforeseen circumstance that can lead to loss of income; i.e. it protects them from any unlikely future financial difficulties. This is basically termed as “sum assured”, or the fixed amount that the family is assured in case the policyholder passes away. However, since term in...
Basic guide to understand Term Insurance maturity benefits | PNB MetLife
We all want the best for our family, and we work hard for it, pray for their welfare, and try to protect them from all harm to the best of our abilities. But what about their welfare in your absence? Ensuring financial security and protection for your family, even when you aren’t around, is also a means of safeguarding their interests. One of the most affordable ways to ensure your family has a secure financial future is to opt for a term plan. Through, a term plan you have to pay ...
Things to keep in mind while choosing the Perfect Term Plan | PNB MetLife
As parents or parents-to-be, we often find ourselves contemplating over the security of our child’s future. Today, a number of child plans are available to ensure the future of your child is protected and she grows up availing basic necessities of life. Squeezing a child protection policy in our budget can be a task, but with the right insurance policy to suit your budget, one can easily chalk out a child plan in the long run. Here are ways to buy child insurance in your bu...
How to secure your child`s future expenses in your budget
The importance of money is a core value which should be instilled in every child. An early start equips your child to become responsible and grow up to be financially independent. As parents, you may invest in a Child Plan or specifically a Child Education Plan, but involving your child in such investments lays the foundation of making your child understand the importance of money. Involve your child in family finances To begin with, your chi...
Tips to teach your child the value of money
A Unit Linked Insurance Policy (ULIP) is different from a regular insurance policy and provides the investors benefits of both insurance and investment. A certain chunk of your life insurance investment will be channeled towards insuring your life while the other part will be invested in different plans of your choice on your behalf. ULIPS are dynamic and flexible. Additionally, they also help the investor make more money in the long run. Read on to know how: Though many may find ULIPs a l...
How ULIPs Help You Make Money Easily
Each year, most employees in the private sector enjoy a hike in their salary. This rise in their payscale can range from 10% to 30%, depending on the policies of the employer. While a rise in salary is always welcome news, it most often comes hand-in-hand with a corresponding increase in the employee’s tax liability. Beyond a certain point, the taxpayer may be catapulted into the income slab that suffers the burden of the highest tax rate. Fortunately, the Income Tax Act, 1...
Steps to reduce tax on employer contributions to your NPS | PNB MetLife
A modern woman wears multiple hats- from a loving daughter and nurturing wife to a selfless caregiver and hardworking employee. Apart from meeting her household responsibilities and family commitments, she also makes a mark outside and pursues a successful professional life. And yet, the majority of women seem to be neglecting a very crucial aspect of their life: personal finances. The decisions on savings and long-term financial planning are often left to the men in their lives- father, h...
Why Women Should Be on the Forefront in Family`s Financial Decisions?
The Income Tax Act, 1961, contains many provisions that can be used for tax optimization. By knowing which provisions of the Act can help you obtain some tax relief, you can lower the burden of tax on your income significantly. There are several tax-saving investment options available in the financial market, and by choosing the right options, you can achieve the right level of tax optimization. Among these investment options, tax-saving fixed deposits, NPS, mutual funds, and ULI...
Tax optimization to reduce your tax outgo by 28% | PNB MetLife
Millennial, a prime age group roughly from 22-37 years, are quite enthusiastic about their future growth in professional as well as a personal sphere. They have witnessed a paradigm shift in India economy, society, technology and many other domains. A unique generation that has entered the 21st century by adopting a new lifestyle, millennials are quite distinct as compared to the earlier generation. Such a scenario can be stressful as there are no laid down paths for them, especially in the f...
Financial Guide for Millennial`s to a stress-free future | PNB MetLife
A term insurance plan can secure the future of your family. A term policy is a form of life cover which gives coverage against the risk of loss of life within a defined period. Term plans are specifically designed to secure your family’s needs in case of death. Term insurance plans can be regarded as insurance in the purest sense and such plans have been a much favoured form of insurance for those looking to provide security to their loved ones in the future. The primary fe...
Term Insurance Plans - The key to secure your family`s future
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