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Finance Forum India

Share your thoughts on finance education, economic developments, capital markets movements or your professional experience in the field of finance.

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Top Myths about ULIPs

Buying insurance or investing your hard-earned money can sometimes be a daunting task. Hence, checking the fine print and ensuring that the policy doesn’t have any hidden agendas should be your top priority before you invest. Some of the policies in the market seem too good to be true. The fact is that each policy comes with its pros and cons, and you definitely need a good advisor like Finserv Markets to tell you what best fits and suits your needs. To give you a brief idea, you could opt for an all-out investment scheme that gives you fixed returns, an...
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Dos & Don’ts of Buying a Two Wheeler Insurance Policy

Most would agree that two-wheelers are the most convenient mode of transportation. That’s why the number of bike and scooter owners in India are increasing exponentially. This renders two wheeler insurance extremely important for securing bike riders across the nation. However, you’re bound to be dizzied by the many bike insurance plans or options available in the market. Choosing the right insurance plan is as essential as purchasing the best scooter/bike. Considering the following suggestions will help you narrow down your options and select the best possible plan.   Dos   Know the types of two wheeler insurance   Your two...
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Everything about Car Insurance in India

Usually, when we think of buying a car, we are gung-ho about the make and model, the color, engine, mileage, etc. of the car. However, it is rarely a case where people think about which car insurance to buy, which is an important factor too. In the present day and age, there are a multitude of companies that offer motor insurance, whether the car is brand new or second hand. It is mandatory, after all, for people to go for it as a precautionary measure that safeguards both the owner/driver as well as the person who may have fallen victim to...
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Factors Affecting Life Insurance Premiums

Insurance premiums are based on a range of different factors. Sometimes, it can be quite confusing to the common man to understand why their premiums are being charged more than that of others. Many factors are taken into consideration before finalizing the premium of online life insurance. Below mentioned are some of them. Age: Age is an important factor while taking life insurance. The younger you are the lower your premium would be. This reason behind this is that your lifespan is much more when you are younger. It is always better to buy a policy when you are young. Gender:...
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Insurance Portability - Don’t Overlook This Important Benefit Available to Policy Holders

Health insurance portability refers to the facility introduced by the IRDA in 2011 that allows policyholders to switch from one health insurance company to another without loss of accrued benefits. It is a popular misconception that a health insurance policy offers protection from all diseases from the first day of coverage. Most insurance companies impose a mandatory waiting period for pre-existing diseases and conditions. Further, there are time-bound exclusions applicable to certain other conditions. For e.g., most policies in India don't reimburse maternity benefits unless renewed for 36 continuous months.   Why the IRDA Introduced Portability?  Prior to introduction of portability, an...
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