EXPOSED: ULIPs & Capital Guarantee Plans | Money Minded Mandeep 

Insurance is Important, Get one Now! 👇 Term Insurance: term.lla.in/ Health Insurance: health.lla.in/ Car Insurance: 4wheeler.lla.in Bike Insurance: 2wheeler.lla.in Commercial vehicle Insurance: cv.lla.in Choose the right Insurance for yourself: link.lla.in/LLA-PL-life-insurance

SBI managers tried to pursuade me to buy SBI Smart Platina; SBI Elite and many such useless products. But I declined each time. Thanks to team LLA for such informative videos and making people Jagruk. At the same time it is very sad to see how public sector banks like SBI changed in recent years. Misselling should be considered as a culpable crime.

Imagine a life insurance broker reached Mandeep's house to sell him a life insurance 😂😂😂😂

these guys are making Indians educated...good work❤

Mandeep, you and RJ have single handedly helped me more than every other finance content creator combined. Struggling with some old ULIPs that my late father had taken. Thanks for providing me clarity on how to proceed further with those. BTW, my birthday was yesterday. Day before, I was watching your Term insurance video. My previous term insurance amount was low (due to limited income earlier) so I applied for another substantially increased term insurance cover via the PB link in your bio. Hope it helps support your work, because I have definitely recieved a lot of support from you. All the best ahead. ❤️ PS - love from Jaipur

The benefit of videos on this channel is IMMENSE and UNBIASED. One long video on any topic - Term, Health insurance, ULIP, etc covers it end to end on what key factors one should consider while evaluating various policies / market instruments. Kudos to Mandeep for such in depth research!

Guys, take some notes

I got scammed by hdfc life by buying ulip. They said the life insurance is just a bonus and i even asked if all my money is invested in equity and they said yes. I was never informed about various charges and mortality ratios😭. I can't believe they did that even after knowing im a student and don't have any source of personal income. Never knew people can get so low. Im also to blame partially as i didn't do my own research.

PNB MetLife, LIC, Tata AIA, HDFC Life, SBI Life 😅😂🤦

Just a week back i was proposed with this ULIP but i was not sure beacause of limited details. Thanks to your video now i know it fully. Seriously u are a killer.

Dear LLA affiliate with Ditto policy bazaar is total scam I strongly recommend people to avoid policy bazaar

One of the only few channels which empowers the common man.

I knew everything which he discussed in this video. but i liked how he talked so i watched the complete video. Thank you, LLA for making people aware and increasing financial literacy.

The T-Shirt Says it all: "YOUR LIPS, MY LIPS, APOCALYPSE (The wallpaper on the screen behind), BUT NEVER ULIPS" By the way nice video. Follower since 3 years of you. Thank you ❤L❤L❤A❤

Was almost about to buy a ULIP from broker and notification of this video popped up! Have blocked the broker. Thanks Mandeep for taking all these efforts to educate the public.

Thank you LLA for these amazing videos, i just wanted to say that people thinks that i'll pay 20k per year for 2crore insurance but what if i survived. They don't look into from the perspective of what if they don't survive. Previously i used to also think like that but then i changed the way to look into this i thought just by investing my 5 days income out of my 365 days days i can live peacefully without any worry for my dependent's future in case of any mishappening. Hope someone will change their perspective of looking on Term insurance like this.

Mandeep, we are incredibly grateful for your help. Your videos have been a lifesaver, guiding us towards making wise financial choices.

I got a term insurance plan after watching your previous video. I was late into the game because of which I have to pay a larger premium, so don't be like me. Get a term plan as soon as you file your first IT return.

Mujhe mutual fund me Invest karna tha toh me aise hi check kar raha tha only saal 2016 me toh galti se policy bazar me chack kar liya or apni details deti Inka itna call ayaa mene inhe kaha bhi us time ki mujhe SIP karni hai mutual fund me lekin inhone mujhe ULIP chipka diya us time toh jyada videos bhi nahi thi ULIP ke bare me jab mere investment me mujhe acha return nahi Mila tab pata chala yeh to ULIP hai tab Tak bahut investment ho gayi thi lekin rok bhi nahi sakte the because lock period bhi tha means jab tak ki ULIP hai tab Tak koi Paisa nahi nikal sakta me toh phas gaya aap mat phas Jana policy bazar ke chakar me call kar kar ke pareshan kar denge😅😅

Yesterday I surrender my lic after paying premium for 7 years after watching ur videos

I'm 20 years old Male, self employed , I want to buy a pure term insurance plan of around 1-2cr but the guy calling from policy bazaar told me that if i don't have itr file return of last 3 years i cannot buy pure term insurance plan and instead forcing me to buy a combo plan (kind of ULIP) of much higher Premium which i don't want. What I'm i supposed to do please help. 🙏

Amazing video, I salute a company like Labour Law Advisor which is giving complete information on scams like ULIP, instead of eating commission and collaboration from agencies or selling plans like UPLIP where a commission is high they are educating people. I just love your work and bless you guys to grow in your life

Thanks for the video my friend has invested in lots of ULIPS and I am tired of telling him that it's a scam.

A very insightful video. Cleared a lot of my doubts. Bought a ULIP plan 2 years ago, and regreting it now.

Jeewan barbaad agent log krte hai, ye soch kr ki inka jeewan abaad ho jayega. Tumhari videos ko government ko sabko dikhana chahiye. You deserve a appreciation from Government itself ❤

Bhai zabardast. Mujhe finance ke bare me ghanta kuchh pata hai. Par ye to mujhe bhi samajh a Gaya. Dusre sources ke information samajh ne bhi asani huyi. Thanks a lot brother ❤

जब जब ऐसी वीडियो देखता हूं तो मेरा खून खौल जाता हैं। पर क्या करूँ 10 साल हो गया हैं premium भरते।

moral of the story : never ever buy ulips and instead buy a term insurance at young age and mutual funds /stock market

The level of research you perform and the depth of understanding you provide is truly remarkable. 🔥🔥 I've learnt so much about all types of insurances, mutual funds, and many inportant concepts of finance. Thanks a lot and keep growing. 🤜🏻🤛🏻

Similar miss selling was done to my parents by Bajaj Allianz folks. Some policy (ULIP/traditional) were maturing/crossed the lockin period, they told her that my parents will not have to pay any premium which turned out the agents manipulated from the maturing/post lock in period policy. My parents were expecting to use the policy payout but ended up buying another policy from them and locking it again . I have been following you content from 2020 and thank you for creating the awareness. I told my parents not to sign any document but these agents are persuasive, kept visitng my parents place stating they need to verify the policy holders. 😡😡 the other problem with the free look up period for parents is they dont have email id (usually) and the physical policy documents are delivered post the 15day period, or the agent intentionaly skips adding it and tells them policy holder can update the email ID online later.

Your Lips, My Lips , Apocalypse, But Never ULIPs- Superb quote Mandeep on ur TShirt 😀

One should have a mix of Equities, Lic or Debt, FDs, Realestate. I am not against LICs but not put all eggs in one basket.

Omg what a video. Knowledge for 30 min and not feeling bored even for a sec. Mandeep brother thank you so much, thank you team LLA you guys are fabulous and doing a great job. #jagrukjanta❤

Brilliant Thumbnail, Hats off to LLA team.🔥❤️

Maine free look period mein term insurance policy cancel karwayi thi , 3500 k premium mein se 438 rupees hi refund diye , baki k charges kaat liye

One time ulip policy bhi aati hai sir, mutual fund is taxable, but here is not taxable. Charges say 4 percent per annum but mutual fund is also having 2 percent. So in mutual fund say we get 15 percent return and inflation say 5 percent, you will be charged tax on 10 percent(15-5) percent per annum in mutual fund. It comes closes to 3 percent. If u are in higher tax bracket, If u take single premium sbi smart privilege overall charges is only 3 percent , here one lockin of 5 years is there but that will bring discipline

This man saved me from loosing alot off money. Thank you from bottom of my heart❤

You people are a gem... No one literally no one can educate us like you did....

The evolution of Ulip(exposed) video by Mandeep sir , salute sir

Today its been 1 month since I unknowingly purchased a HDFC life ulip plan. The bank staffs misguided me entirely and didn't disclosed the charges included. Later, I knew and requested for cancellation under free look period, and after several mails and complaints its been more than a week I have submitted my documents for cancellation but the work is stilll in process. These peoples trap u badly.. beware..!!!

You guys are THE BEST.... Keep doing great work❤❤❤❤❤❤ Specially Mandeep ... The way you explain is amazing, Fabulous🔥🔥🔥

I talked to an agent and he was convincing me for ULIP but then I had showed him these things and he said you had a great knowledge 😂 thanks LLA for these value Information....also I have question..can you please guide me should I go with one more term policy or should increase coverage in current one to increase my cover insurance?

### thank you Mandeep Sir 2 sal pahle aapka video dekh kar Maine LIC surrender kiya tha, at the surrender time 50000 Mera ghata hua tha after that jo Amount mila usko main lamp sum invest Kiya or premium amount ko Maine SIP kiya, Mera loss bhi recover Ho Gaya, aur future mein bada loss hone se bach Gaye, thank you so much for your informative video Mera future ka 1C ka loss Apne bacha liya...

But how is this "Ganda Game " being allowed to continue. Isn't there some laws to stop this "" khule aam cheating "".. And that too such big companies are privy to this. Now you explained this so well yet many things mera sar se tangent ho kar nikal gaya ... So how does one expect the 'aam admi' to understand the complexities of these money matters.Shouldn't ULIP's be banned by the government? Anyway thanks for educating us. May innocent people not fall prey to such open "day time robberies ".

Sir please make video on pension plans. Retirement plans

Sir thank you so much for the video. Very informative. can you make a detailed video on swp. Need a retirement investment (lumpsum-5-6lakhs )for my parents.(i was planning for ulip to give my parents monthly money but not anymore)

Sir, I can't thank you enough. In 2021 someone sold a ULIP to my father who didn't know anything about them. He was told it was an FD with higher interest rate by the bank employee. And I might not have ever known about it because earlier my parents didn't you used to involve me in financial decisions as they thought I was a kid. But luckily the bank employee sold that ULIP under my name. And as soon as I knew about that I simply asked for a cancellation/refund the next day itself, under the 15-day free-look period which many people don't know about

Man, I was about to invest 10 Lacs per annum for 5 years. I found your video in reddit forums and you saved me. Thanks alot. I am gonna change my relationship manager at HDFC for suggesting this.

Need a short or video on the last part, where one can save money in section 10(10)d. This should be interesting

Hi Mandeep, I had purchased term insurance 5 years back when I was 24 and had taken premium according to my salary that time, Should I consider buying new term insurance for increasing the cover or get existing policy updated?

Tomorrow I am going to buy the ulip and today I watched your video.., Thanks LLA team ❤ for for guide us what to buy...what not.

Agents miselling ULIPs as term insurance. I asked for Term insurance. They sold me ULIP, now have to wait for 5 years!

chalo sab log jaldi jaldi isko apne family group me daalo aur pados waale LIC uncle ko bhejo

LLA team leveraging AI rigorously 🙌

ULIP mein risk cover kam rehta hai jada paisa investment k liye jata. Issliye risk cover kam rehta hai ulip. It’s mainly for investment with small proportion for risk cover

🎯 Key points for quick navigation: 00:00 *🤥 Insurance agents deceive customers for profits* - Insurance sector profits often come from misleading customers - An example of tricking an elderly person into a locked insurance plan 00:58 *⚠️ Raising awareness about being misled by insurance plans* - The video aims to educate people to avoid being trapped by deceptive plans - Ensuring customers can withdraw their hard-earned money when needed 01:58 *📝 Understanding ULIPs (Unit Linked Insurance Plans)* - ULIPs combine life insurance and investment components - Tax benefits under sections 80C and 10(10D) of Income Tax Act 02:27 *💰 Determining adequate life insurance coverage* - Life insurance cover should be 15-20 times annual income - Ensuring family's lifestyle is not disrupted in case of premature death 03:51 *💸 High premiums for low life cover in ULIPs* - ULIPs offer low life cover for high premiums compared to term plans - Example of Rs. 2 lakh premium for Rs. 1 crore life cover in a ULIP 04:50 *⚠️ Risks of premium non-payment in ULIPs* - Missing premium payments can lead to policy lapse and loss of life cover - Flexibility of stopping investments but not insurance premiums 06:18 *🧭 Term insurance is a better option* - Term plans provide high life cover for low premiums - Premiums are fixed for the policy term, unlike ULIPs 07:44 *🔗 Recommendation for term insurance purchase* - Video description contains a link to compare and purchase term plans - Supports the channel's work without additional cost to the viewer 08:40 *💵 Charges in ULIPs* - Premium allocation charges, policy admin charges, fund switching charges - Charges can significantly reduce the invested amount 11:31 *☠️ Mortality charge in ULIPs* - Mortality charge is the actual life insurance premium component - Calculated based on age, sum assured, and mortality rate table 12:29 *📈 Misleading NAV returns in ULIPs* - NAV returns do not account for mortality charges deducted separately - Actual investment returns are lower than advertised NAV returns 13:27 *👎 Reducing life cover in ULIPs* - Life insurance cover decreases over time as investments grow - Policyholder may only receive investment value, not life cover 15:54 *⬇️ Decreasing mortality charges in ULIPs* - Mortality charges reduce each year as investments grow - Eventually, the life cover becomes zero, and only investments are paid out 17:49 *🔒 Lock-in period and discontinuance charges in ULIPs* - Money cannot be withdrawn in the first 5 years (lock-in period) - If premium payment stops before 5 years, investments move to discontinued fund with low returns - Discontinuance charge applied if policy is cancelled after lock-in 19:41 *💸 Charging fund management fees on discontinued funds* - Fund management fees charged even on discontinued funds with low returns (3-4%) - Similar to expense ratios of top-performing mutual funds 20:38 *⌛ Free look period and cancellation advice* - 15-day free look period to cancel policy without charges - Advice to continue for 5 years if charges are reasonable, or cancel within free look period 21:36 *💰 Alternative investment options to ULIPs* - Recommends segregating insurance (term plans) and investments (mutual funds, PPF, etc.) - Flexibility to stop investments during cash crunch, unlike ULIPs 22:05 *💸 Tax implications and return comparison* - Tax-free returns under 10(10D) may not offset lower returns compared to mutual funds - Example calculation shows impact of 1% lower returns over 20 years 23:33 *🎣 Marketing tactics: Using the word "guarantee"* - The word "guarantee" is used to attract attention and mislead customers 24:30 *💰 Reality of capital guarantee plans* - Capital guarantee only ensures return of premiums paid if portfolio value is lower - Unrealistic to expect market losses over 15-20 year period - Fixed deposits provide capital and interest rate guarantees 25:57 *👶 Child plans and premium waivers* - Child plans position ULIPs as investments for child's future - Premium waiver if policyholder passes away is a good feature - But similar benefits can be achieved with mutual funds 26:54 *🤥 Mis-selling tactics for ULIPs* - Portraying ULIPs as single premium when it's annual premium - Buying policy in child's name instead of parent's name 27:54 *💰 How the rich can benefit from ULIPs* - Cash-rich individuals use single premium ULIPs for tax benefits - Tax deductions under 80C and tax-free returns under 10(10D) - But government capped tax-free ULIP investments at Rs. 2.5 lakhs per year

Creation of financial videos is simple copy and pest but creation of such videos requires study, reaserch, hardwork, time and other things. Thank you LLA

RIP to those who invested in ULIP

Mandeep bhai THANK YOU ❤ apne bachali 0:29 sem incident meri family ke shath 7-9 din pahele huva thai ham bach gye

This video seems will be nightmare for those who mis-selling ULIP. Covered almost all hidden conditions. Thanks Mandeep & LLA for creating such bold video highlighting dirty inside of ULIP. After this video ULIP industry players will definitely feel shameful. 😂💐❤.

Mein bhi insurance agent hu. But Apne sahi bola hai

1 year ago one Bandhan Bank Employee wanted to sell me this, now i really feal lucky that I rejected it.😊 That Employee was really stated to kindof black mail me saying the what kind of money I'm making that i can't pay the yearly sum of 1L.😢

The sad part is when I try to surrender my ulip I have got atleast 50 calls asking me not to surrender. They said it will take 10-15 days to return the amount

Same thing happened with my father when he visited union bank of India, there was an agent of sud life (star union diachi) who mis guided my father and trapped my father and my father trusted him because he was seating in union bank of India so trusted him and signed all documents later in 2021 I came to know about the policy and when I enquired about the same policy then in 2021 my investment of 50,000 annually turned in 2,80,000 i.e. 2,50,000 invested and return of 30,000 in 5 years.

Today a policy bazar guy explained me A HDFC sampoorna nivesh ULIP plan I think this plan is interesting but didn't knew such hidden charges are there after watching this vdo of LLA

Bankers insurance bechna hi nehi chahte hain. Par govt ki policy aur top management ki commission,cash and kinds ke lalach mein karna padta hain! Phir bhi sab ko ekjut ho kar yeh karna chahiye ki hum kisiko mus selling nehi karenge!

Same happened with my Dad. Sbi banks sold my Dad with Mutual Funds saying such things. One time payment for years, etc...He still paying thru SIP.

Geopolitical awareness = Johny Harris Investment awareness = Labor Law Advisor

Soo detailed video.... I don't think anyone will counter now, as they did on old videos 😂😂

I took Capital guarantee plan . Next day youtube suggested this video. next week I cancelled my plan in free lookup period. . Thanks

I think this is the best informative unbiased video i have ever seen from ur channel. I really appreciate the amount of work you put into this project. Thank u for saving many peoples money with correct information

Hello, I'm Ronak Chaudhary I im talking about INDIAN POST PAYMENT BANK (IPPB) The account has been inactive for some time (around 1 or 2 year) by the bank, and later I went to the bank, the bank employee told me that your account is inactive, you have to activate it, then according to my instructions, the bank employee activated the account. in this bank, I have deposited money in my bank account in that bank, and then the bank deducts money from the account in the name of SMS charges for the time that the account remained inactive. Is this reasonable, or am I being scammed? Please give me proper advice.

6 months se pay kar raha hu ULIP, kese band karu or mere paise ka kya hoga

I opted ULIP 1.5L PA for 18 years . After paid 5 EMI 12500X5 i decided to stop it and splitting 12500/5 and decided to invest in Large cap and index fund 60% remin in Themetic and small cap fund

Great job I will be exiting my child ulip policy as a locking prriod ends

Recently I agent call me to sell same , I did not recognized it as ulips, then Suddenly get LLA this video.. and I saved myself. This is what benefit of LLA subscribers 😊

High production value video like Johnny Harris. Great work for creating this video. I already watched the earlier video of the ULIP last year and it opened my father's eyes.

One question: What is the benefit of ULIP in today's times, if I am using new regime? Do I still get to have tax-free returns on upto 2.5 LPA premiums ?

Sir I have a question, can a person buy a galli(road) in front of house.

But how to avoid these insurance plans if Banks make these insurance as precondition for taking loans? If you say no then loan proposal gets delayed/rejected.

Kindly make a video on endowment plans as well, now a days Axis Bank Employees are calling and trying to sell endowment plans stating, have planned your reimbursement???

I almost had a fight with HDFC bank's branch manager as he was trying to sell me stupid insurance on property loan. I was so pissed that i almost said MC BC to him 😂

Hum hai un akalmand logon mein se jisne Bajaj Allianz ka ulip le rakha tha. BTW ye ulip humko policy bazaar waalon ne hi cipkaya tha 3 saal pehle. 4 mahine baad pata chala ke humne kitni badi bewakoofi kardi aur 40 k ke premium ke baad stop kar diya. Now I am stuck with it for next 5 yrs and all the charges are levied on me.I still keep getting calls to reinstate it but I refuse point blank. Wish I had done my HW properly earlier.

बाप रे बाप मेरी तो आंखें खोल दीं आपने बहुत बहुत धन्यवाद आपका 🫵🫵🙏🙏

Similar fraud with me... I purchased ulip policy for my mother form sbi branch manager and tell that I case of death me as a nominee get 105% of fund value that is 75 lakh but what I get is only 1050000 after my mother death.. and sbi tell that it is sum asauared.. can anyone help me what I do in this fraud case

Sir, mne 2 ULIPs schemes me invest kar diya or fund manager ne mujhe amount/charges nhi btaye jab mne khud charges dekhe to mera dimaag kharab ho gya hai Ab mne mail sent kra hai policy cancel ke liye Will I get full refund?? Please see and reply. I'm in depression as my hard earned money is stucked 😢

who think thumbnail is so creative & awsome

My name is Piyali. I am from Bengal. am 26 years old. sir. I think I did something wrong by get some lic plans. Those plans are 1) jeevan Shanti 858 (250000) for mother,2) jeevan labh. 936 for 25 years for me ,3) Bima Jyoti 860 for 15 years. All these plans I got on 21/11/2022 & 12/12/2022 .sir I don't no what to do , give me some suggestions sir what should I do. Now I am preparing for govt. Exams & kind of dependent on my mother,she gets 20000 rupees in a month. Sir please suggest me. Thank you sir for providing us such information through RU-vid and other courses. lot of respect and gratitude for LLA.🎉🙏

Maine Aaj hi ULIP ke liye sign Kia h kal hi cancel karwata hu usko....thanks LLA

Your channel is the best in RU-vid.. bought term insurance because of your video and saved myself from fraud 😊

Never buy the products that the financial companies sell you always buy the products which they are hesitant to Sell.

Focus on the tshit guys the editor is focusing on that "Never ULIP" clever people !! nice one appreciated !!

two flaws in your logic: Issue 1 shown at 06:20 - high premium due to late age - on age 30 you filled non-smoking lifestyle in premium checking but on age 38 you have selected smoker lifestyle. Case 1 - non-smoker 30 years old male with 20L+ salary buying pure term insurance plan of 2 crore cover from iciciprulife needs to pay 19,924 rs yearly. Case 2 - non-smoker 38 years old male with 20L+ salary buying pure term insurance plan of 2 crore cover from iciciprulife needs to pay 26,117 rs yearly. Is 26,117 too bad? It is not bad because value of 19,924 after adjusting inflation of 7% in 8 years becomes 34,233 rs. Clearly premium is less in comparison to the inflation based price. so logic of premium being high due to delay of 2-3 years is flawed. Issue 2 at 13:48 - Regarding the death benefit what you have explained is half truth and is applicable for ULIP buyers with entry age more than 50. If the entry age is less than 50 which is applicable for most people then we actually are supposed to get fund value + sum assured. In the policy document there are two charts with illustration of interest with 8% and 4%. In this chart death benefit is also shown which keeps increasing and shows sum value of sum assured + current fund value. I am not sure if such policy is still present in market currently or whether other company also provide this. But a ULIP which I bought in 2018 has policy document confirms this: Benefits available under the policy 1. Death Benefit i. Insured event is death of the Life Assured during the term of the policy. ii. On the death of the Life Assured during the term of the policy Death Benefit will be payable to the nominee iii. On death of the Life Assured, provided monies are not in the Discontinued Policy Fund (DP Fund), Death Benefit will be: 􀁀 In case of all Single Pay policies and Limited Pay and Regular Pay policies for age at entry greater than or equal to 50 years, Death Benefit = A or B or C whichever is highest Where, A = Sum Assured including Top-up Sum Assured, if any B = Fund Value including Topup Fund Value, if any C = Minimum Death Benefit 􀁀 In case of Limited Pay and Regular Pay policies, for age at entry less than 50 years, Death Benefit = (A+B) or C whichever is higher Where, A = Sum Assured including Top-up Sum Assured, if any B = Fund Value including Top-up Fund Value, if any C = Minimum Death Benefit iv. For the purpose of this product, Sum Assured is deemed to include the Top-up Sum Assured, if any. v. Minimum Death Benefit will be 105% of the total premiums paid including Top-up premiums, if any

my mother already bought a ULIP plan what should i do should i cancell it? bearing the cancellation and premature cost??

Ulip are designed for long term wealth creation that's why they have 5 years of lock in period and there are some benefits that you will get only on ulips like wawe off rider premium benefit protection riders Benefits of section 80 c and 10,(10 D) Nomination benefits flexibility in investment Ulips are designed for the long term but in ulip you don't have to pay long term capital gain tax

Banks are the main reasons, employees are mis-selling the products to the customers. Presently, banks have become selling machines. One do not know how much a bank employee is forced to sell the banking products to the clients. Banks pressurize their employees to sell atleast one product a day otherwise the employee may lose the job. Harsh banking ethics but a true fact.

Dear LLA team. I really like your content. A kind request, can you make your videos in english? Because some of the viewers from south side are not very fluent in Hindi. Just a humble request. Your content is very good. Thank you.

Just one question sir When we buy any term insurance or any other plan online (policy bazaar) when they ask us to tick on agreed terms and conditions, when we try to read it , its like never ending page , that's guarantee we may miss some points , how to avoid this mistake, and save us from buying wrong plan 🤔

I do have a HDFC ULIP plan, I have purchased it 5 Years back. I have all of my NAV's invested in opportunity fund from the beginning. Currently, I am getting the good returns almost 19%. Kindly suggest, if I need to continue with it or shall I discontinue it now. Premium: 85K / Year. Premium Payment Term : 15 Years( 10 More Years ) Total Invested Amt : 4.28 Lacs Current Value : 7.3 Lacs 1) I do have term plans 2.5 Cr cover 2) SIP 23K / Month

Bhai bhai, hands down this video is downright helpful and jaagrut, and yeah finally I subscribed, I don't know why I didn't subscribe earlier well better late than never.