Lic jeevan Umang review in TAMIL | mutual funds tamil | Nivas Narasimhan

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Lic jeevan umang Exposed warning
Lic life insurance plan detail in Tamil
Lic jeevan umang plann review
jeevan umang - 945
Lic jeevan umang Best pension plan?
Lic jeevan umang pension plan?
whatsapp to 9994266772 for more details..The above video is for awareness purpose. Before investing pls get the official quotation from Insurance companies.
8% GUARANTEE IS ON SUMASSURED NOT ON THE AMOUNT WE PAID.
GENERAL FAQS OF CLIENTS:
What are the best features of Jeevan Umang Plan, recently launched by LIC?
What are the best features of Jeevan Umang Plan, recently launched by LIC?
What is the LIC Jeevan Umang Plan about?
How is the LIC Jeevan Umang policy? Is it better compared to PPF?
Is the JEEVAN UMANG policy of LIC IS best policy?
Which is the better policy, Jeevan Anand or Jeevan Umang?
How is the LIC's Jeevan Umang plan?
Does LIC Jeevan Umang require a medical checkup?
Is investing in LIC Jeevan Umang a good plan?
What are the effective returns we get in Jeevan Umang?
What are the rules of Jeevan umang LIC?
Who is the best LIC Jeevan Umang plan provider?
Is LIC JEEVAN UMANG policy good? What are it's benefits? What is IRR of this policy
Is it wise to purchase a LIC Jeevan Umang policy at the age of 54?
Is LIC Jeevan Umang a good policy to replace it with term insurance? My age is 31.
Is it wise to purchase an LIC Jeevan Umang policy at the age of 30 with 1 lakh per year?
Is it advisable to invest in the LIC Jeevan Umang 945 policy for 15 years at age 35?
What is the minimum sum assured of the policy of LIC Jeevan Umang?
How can I reduce my LIC policy premium? My plan is LIC Jeevan Umang.
What (which) plan is good to invest in LIC among Jeevan Labh, Lakshya and Jeevan Umang for good returns?
Which is the best LIC policy, Jeevan Anand, Jeevan Labh or Jeevan Umang at the age of 25?
How is the LIC Jeevan Umang policy? Is it better compared to PPF OR MUTUAL FUNDS?
Which LIC policy is better, LIC Umang or LIC Labh?
Is it wise to purchase a LIC Jeevan Umang policy at the age of 54?
What are the best features of Jeevan Umang Plan, recently launched by LIC?
Is it more beneficial to invest Rs. 1 Lac p.a. in LIC Jeevan Umang for 15 years or Rs. 50k p.a. for 30 years? I'm a 24-year-old girl.
Is the JEEVAN UMANG policy of LIC IS best policy?Should I take Jeevan Umang’s plan now that I am 31 years old?
which is better lic or mutual funds or ppf?
Key Features of LIC Jeevan Umang Life Plan:
Below are the main eligibility conditions to buy LIC’s new policy - Jeevan Umang;
Minimum Age Entry : 90 days
Maximum Age at Entry :
55 years for 15 year premium period
50 years for 20 year premium period
45 years for 25 year premium period
40 years for 30 year premium period
Minimum age at the end of PPT : 30 years
Maximum age at the end of PPT : 70 years
Age at Policy maturity : 100 years
Policy Term (Tenure) : 100 - age at entry. (For example : If a 30 year old individual buys LIC Jeevan Umang policy then the policy term would 100 years minus 30 years = 70 years.)
PPT (Premium Paying Term options) : 15, 20, 25 & 30 years
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20 фев 2021

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Комментарии : 283

@elangovancv4343 3 года назад

Insurance is for risk cover. Mutual funds is for investment purpose. Sir don't use the word investment in the insurance. Actually one should make a financial plan in such a way that 1st priority goes to protection plan like life insurance, 2nd priority goes to emergency fund like liquid cash, 3rd priority goes to Capital safety funds like Bank deposits, Postal savings, PPF and 4th priority goes to Capital growth funds like Mutual Funds, Shares etc.

@nivasexcites 3 года назад

Correct sir. You are partially right. 1st priority : Term insurance 2nd : Emergency fund (the money you may require for next 2years) 3rd: wealth creation 4th: after wealth creation, that money has to be invested in capital safety funds or deposits or post office. Not in Lic.

@venkataramann7244 Год назад

@@nivasexcites Does Term Insurance covers everything?

@karthicks4827 Год назад

@@venkataramann7244 YES . Term insurance will cover in case of death. But there is no returns. we cannot expect the returns in term insurance. Insurance is different and Investment is different.

@skrpropertyworld Год назад

You telling about term insurance only. Otherwise wise insurance all money saving investment only. Without risk. Mutual fund is based on risk

@user-qy8mp8od3b Год назад

Nobody speaks about mediclaim

@selvakumar-xe2dm 2 года назад

OK sir.. Good analysis.. Insurance is a risk coverage plus savings.. Not only money multiplication factor.

@nivasexcites 2 года назад

What is the opportunity cost for 15years. Pls calculate that

@udaykumar-tb5kn 2 года назад

Withdraw when we have to do... Say after 15 years I wanted to pay premium pls tell benifits

@karthickkumar2282 3 года назад

Good information sir, but in mutual fund there is no life cover, only for investment we can choose mutual fund, you can suggest term plan plan with mutual fund would be a better choice

@nivasexcites 3 года назад

Thank you karthick.. You are right.. I will share that comparison in future videos.

@karthickkumar2282 3 года назад

Fine sir

@muralividhya 3 года назад

You can get Life Insurance Upto 55 years at your SIP amount * 120 times.

@nivasexcites 3 года назад

Yes. Its Sip Insure. But its not available in all the schemes.

@nehaasok7877 3 года назад

Thank you for your information sir 👍🙏

@nivasexcites 3 года назад

Most welcome

@santhosinimuralidharan7396 Год назад

I did compare the calculation. In FD as per your calculation there is no withdrawal. So in that case the LIC payout should be reinvested to compare the returns. So while comparison reinvest payout of 80000 in 6% or 10% instrument.

@nivasexcites Год назад

My stand is Avoid both FD and endowment Insurance for long term. Take term insurance policy and invest in mutual funds. For short term, invest in FD.

@santhosinimuralidharan7396 Год назад

Understood but people might take decisions based on interest benefits. So it’s better to call out since that will provide clarity.

@narayanir1391 2 года назад

You have also missed the tax component in FD interest rates. After tax returns of FD will be almost same as that of Jeevan Umang. If you adjust for TVM, both the returns, the story line will be different!

@nivasexcites 2 года назад

Avoid both FD and insurance for investment

@mr.sathishkumarsathish3223 3 года назад

Super sir... Excellent explanation sir...

@nivasexcites 3 года назад

Thank you so much

@unbreakblewarrior6123 2 года назад

Hi, Lovely video and presentation, now my question, My wife is European she has got OCI card status due to marrying me i am FNIO with OCI, we live abroad can my wife buy Jeevan Umang policy ,she dosenot have aadhar card or Pan card only OCI card and NRE bank account many thanks

@nivasexcites 2 года назад

Pan is a must to take policy or do investments in india.. Hope you watched the video fully.. I didnt recommend this plan for future..

@ss-eu7yz Год назад

It's equal Product Bajaj Allianz Life insurance , Please explain

@Channel4Badminton 2 года назад

Just a thought /question on your assumption, when comparing to FD 6%; do you think 6 percentage would be given in future too? We know the trend of that percentage; accept your comparison on Mutual fund though;

@nivasexcites 2 года назад

in 2005, FD rate was 5.75% only. in 2010, it went back to 10%

@licsaravanan5726 Год назад

@@nivasexcites now Fd per%

@nivasexcites Год назад

@@licsaravanan5726 7.75%

@nivasexcites Год назад

Hope you can see the interest rate of fixed deposits now.

@vimalns1970 Год назад

Sir mutual fund la expense ratio,tax deduction pannathuku aparam .. final 15 years .. how much net percentage irukum..

@nivasexcites Год назад

You can expect 10% to 12%

@RajeshKumar-nk5ox Год назад

Sir,I feel it is better not compare with mutual funds and share markets....We can compare with RD,FD,PPF

@nivasexcites Год назад

If we don't compare, how will you know which is best

@9865967001 3 года назад

I took jeevan umang plan and paid premium for one year, I took this plan mainly for tax purpose and also covers insurance.If it's not good suggest tax plan for long term with good return

@nivasexcites 3 года назад

If you have taken and if the premium is small, it's better to continue.. Otherwise you have forget 1st year premium and invest in mutual funds

@r.madhan108 2 года назад

Good afternoon sir The FD returns taxable are nontaxable

@nivasexcites 2 года назад

Based on your income it is taxable. If your income is less than 5Lakhs, no tax. 5L to 10L, 20%. 10L and above 30%.

@sivajirao690 2 года назад

Bro Nan jeevan umang la join panni 18 months aagudhu ,36 months ku aprom surrender pannalamnu iruken apo ,namma capital full ah kedaikuma

@nivasexcites 2 года назад

If you have taken the policy, you have to continue.. If you surrender, its a loss only..

@m.s.prasanth6286 Год назад

Please don't surrender.

@TamilGovJobs Год назад

Very very thankyou sir....

@nivasexcites Год назад

Welcome

@Vetri.123 2 года назад

I m a seafarer (NRI), As per ARDA rules can a NRI invest in jeevan umang policy ? IF not kindly suggest me a gud policy like term isurance

@nivasexcites 2 года назад

Pls avoid that plan..

@nivasexcites 2 года назад

Pls WhatsApp to 9994266772. I will guide you..

@krajlic2176 Год назад

Fixed deposits interest rate slowly reduced year by year. You can take a RD by the SB of Umang. But in FD, it can't

@nivasexcites Год назад

Deposit rates are increasing.. pls check with your bank.

@varshanjoswa4797 7 месяцев назад

நண்பரே! வணக்கம்! வங்கிகள் இப்போது உள்ள வட்டியை அடுத்த 20,30 ஆண்டுகளுக்கும் கொடுக்கும் என்ற உத்திரவாதத்தை வழங்குமா?

@velangannib7973 26 дней назад

RBI வட்டி விகிதத்தை குறைத்து வரும் சூழலில் வங்கிகளின் வட்டி ஒவ்வொரு ஆண்டும் குறையும்போது 6% வட்டி பிற்காலத்தில் கிடைக்க வாய்ப்பே இல்லை. தவறான விளக்கம்

@nivasexcites 26 дней назад

Lic thitangalil enge muthaleedu seigirargal? They invest in Bank and corporate bonds only. If interest is going to go down.. here also interest Will go down only

@kascmohan 3 года назад

Sir...u told about both lic jeevan Umang & bank FD..u forget to say about tax exemption

@nivasexcites 3 года назад

When the return itself low, what is the point in talking about tax exemption

@chandrun9151 2 года назад

Thank you sir

@nivasexcites 2 года назад

Most welcome

@salemarunrocks 2 года назад

Let’s say after 17 years, I want to surrender, how much we will get based on your example

@Samjijohnmathew 3 года назад

Explained well

@nivasexcites 3 года назад

That you so much

@prasanthbasker9997 Год назад

Brother I have entered this policy if I complete 15yrs and whether this will be helpful

@nivasexcites Год назад

That's the question You have to answer.. check how much you will get for the amount you pay. Then decide..

@rammanoharlogiaramalingam7368 3 года назад

Good comparison bro

@nivasexcites 3 года назад

Thank you bro

@rajendranmuthukumar8546 3 года назад

Thanks for the Good information 👍

@nivasexcites 3 года назад

Most welcome Rajendran

@abiagraniteservices 2 года назад

Now LIC going for IPO SO WHATS THE GURANTEE ? MAYBE AFTER SOME YEARS LIC DECLAIN COMPANY CAME INTO LOSS 🤔 WHO IS GOING TAKE RESPONSIBILITY ???

@nivasexcites 2 года назад

Only 5% they are going to privatize. This will not affect in any way..

@arunprasanthkaliappan790 3 года назад

We can't match insurance with returns. Because if a(sorry to say negative words) person died in accident immediately after payment of a first premium as a sum assured of 10 lakh. His/ her family receives 20 lakh rupees immediately. Like that a person died immediately after investing in fd or mf. He will receive only invested amount. Not your calculation.

@nivasexcites 3 года назад

Bro, i was a branch manager with HDFC life. Now i recommend only Term insurance to my clients. But not everyone accepts my suggestions. That is why i posted this video.

@arunprasanthkaliappan790 3 года назад

@@nivasexcites ok. People should learn about money market.... My suggestion is learn atleast 5 years.... Before invest in any money market

@nivasexcites 3 года назад

To invest in stocks, you need to learn.. To invest in mutual funds, you have to choose first the purpose. And plan how long you have to invest.. Then based on the duration, you have to choose the funds. Invest through a mutual fund distributor or through a Sebi registeted Advisor.

@skrpropertyworld Год назад

@@nivasexcites term insurance waste bro. If negative happen on money. No returns no savings also

@nivasexcites Год назад

@@skrpropertyworld how to get 1crore or 50lakhs life cover at low premium?

@sarwan140 3 года назад

I took umang plan two year back, now im planning to close this, any locking period iruka bro indha plan la

@nivasexcites 3 года назад

Minimum 3years you have to pay. After that you can surrender, but you will get only 1/3rd amount.

@thoughtfulmind6746 2 года назад

Don't do it ...

@m.s.prasanth6286 Год назад

Please don't surrender. He told about his view. It is government organization, they will never do harm to people. If you are middle class please don't surrender.

@skrpropertyworld Год назад

He marketing mutual fund. So he degraded speech about insurance, you be aware

@saravanan4051 2 года назад

Great Sir

@nivasexcites 2 года назад

Thank you so much

@rakeshvenkatraman7424 3 года назад

Sir kindly review lic jeevan anand 815 policy

@nivasexcites 3 года назад

Sure Rakesh

@prasi281 2 года назад

Hi sir can we invest mutual funds in app like paytm money ? Is there any disadvantages .

@nivasexcites 2 года назад

Avoid PAYTM. Use Groww app fpr direct plans. To invest through us, click here www.assetplus.in/mfd/Excitemutual

@natarajanc6574 2 года назад

sir, if i pay for first year and i die, what is the investment strategy. please don't compare these two. if i go for term insurance, terms and conditions tells i wont get money easily. so only way is lic where if death happens i am insured. if no death happens after maturity, i will get back my money. that's all. there is no investment wealth creation strategy in this. this is insurance. think and tell.

@nivasexcites 2 года назад

I'm not saying lic is bad. it was good. But now there are smart ways to invest separately and take term insurance separately. But people who are not comfortable will still be investing in LIC or Guaranteed policies of private insurance..

@natarajanc6574 2 года назад

@@nivasexcites sir, please this is not investment. this is insurance for death benefit to my family. if you prefer term insurance vs LIC it is ok. still term insurance has too many conditions that many policy settlements claim has been rejected. please tell good term insurance.

@nivasexcites 2 года назад

@@natarajanc6574 Lic also has term insurance. Can you explain what extra condition Term insurance has from normal Endowment plan?

@ravikumark1481 3 года назад

Kotak premier life plan which offers better return compared to your 2 companies projection... Bonus Withdrawal facilities giving and returns @ IRR 9.5% ji...

@ravikumark1481 3 года назад

Above apart from returns insurance coverage also providing...

@nivasexcites 3 года назад

Hi Ravi, No endowment plan can give morethan 6% returns. IRR 9.5% may be on sum assured. Not on amount paid plus bonus accumulated.

@kannadassasn 2 года назад

Sir, I'm sorry if I'm wrong. Have you considered 30% income tax of these investments. While LIC has minor edge on it, it seems good investment.

@nivasexcites 2 года назад

Tax on mutual funds is not 30%. Its 10% LTCG. Upto 1Lakh profit, no Tax. Insurance policy has Gst in every premium you pay. 1st year 4.5% and every year 2.25%.

@nivasexcites 2 года назад

ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-A-KZL0KlEK0.html Watch this video

@esaravanan3561 3 года назад

Sir But Lic means government. We will get guarantee returns know sir

@nivasexcites 3 года назад

Hi saravanan, pls ask for official quotation and check what is guaranteed. Dont go by pamplets created by sales team or agents. Then you will understand. You will get a guaranteed return on sum assured. Not on the amount you paid. And the bonus you get in the policy is not compound interest. So you will get very low returns.

@skrpropertyworld Год назад

@@nivasexcites not a bulk paying every month premium only so so returns

@arunprasanthkaliappan790 3 года назад

nifty stock of yes bank @ 400 rs 2 years before but now yes bank share roughly below 18 rs

@nivasexcites 3 года назад

Yes investing in stocks is high risk. If you dont buy quality stock, you may incur losses. But mutual fund is done through a process called portfolio management. The primary job is to reduce the risk by diversification.

@arunprasanthkaliappan790 3 года назад

@@nivasexcites not all mutual fund gave good returns..... Some mutual funds now face the settlement.... Without proper knowledge in market... No one cannot make money....

@skrpropertyworld Год назад

Yes it's very long time policy. Grand childrens only may be get.benefits

@nivasexcites Год назад

Still the rate of Bonus is less.

@monishbohra2102 2 года назад

HI SIR DO SUGGEST ME A GOOD PLAN 1) RISK FREE 2) NO TAXATION ON LONG TERM 3) WITH INSURANCE 4) NEED LOAN IN BETWEEN

@nivasexcites 2 года назад

Apdi oru option illa bro.. Mutual fund has very low taxation.. Invest in Midcap funds for 10years, you will get good returns.. Mutual fund itself low risk only..

@harini7481 Год назад

Lol you just tried to get jeevan umang as answer!

@arunprasanthkaliappan790 3 года назад

Bank rates are decline from year 2000.... I think in future to deposit money in bank we need to pay bank to safeguard our money

@nivasexcites 3 года назад

Are you sure.. What is the Bank interest rate in 2005? And 2011? If so Lic and private insurance cos will also reduce its Bonus..

@nivasexcites 3 года назад

In 2005, FD rate was 5.75%. In 2011, it went upto 10%. Its all due to inflation. These things keep happening. Im creating awereness. Still if you want to invest in Endowment plans, you can invest. Its your choice. My main concern in that policy was why they promote it as 8% guarantee returns. But only 4.2% you are actually getting.

@arunprasanthkaliappan790 3 года назад

@@nivasexcites these are changing.... We need assurance.... Low return or high return is not a matter... Consistent return is matter.... Just predict the rate of interest in 2040.... By comparing previous rate of interest history...

@nivasexcites 3 года назад

After seeing my video also, you are going to invest in Lic. Why are you comparing with FD. In US, interest rate is 0% now. But mutual fund returns are morethan 10%. So invest in equity not insurance.

@nivasexcites 3 года назад

For assurance, take Term insurance bro

@varshanjoswa4797 7 месяцев назад

Term insurance எடுத்த பலபேர் தொடர்ந்து பணம் செலுத்துவது இல்லை. மேலும் டெர்ம் இன்சூரன்சில் பாலிசிதாரருக்கு விபத்து ஏற்ப்பட்டு நிரந்தர ஊனமடைந்தால் வருமானம் சம்பாதிக்க முடியாத நிலை ஏற்பட்டால் மியூட்சுவல் பண்ட் & டெர்ம் இன்சுரன்சுலயும் என்ன கிடைக்கும் என்று ஏன் விளக்கி சொல்லமுடியுமா?

@nivasexcites 7 месяцев назад

People who take term plan are responsible people. They are continuing. There are so many people who are unable to continue Endowment plans. They lose big amount as Discontinued charges or surrender charges

@Mrs.Crafty 3 года назад

Inda amount namma irandadan kidaikuma illa enaku 10years la eduthukalama

@nivasexcites 3 года назад

Only on death Sum assured will be Paid. Otherwise only yearly income will come.

@suryananthkb5176 3 года назад

@@nivasexcites But sir, my agent told me that sum assured can be taken after 15 years then you won't be getting any yearly amount further is it true please explain me sir🙏🙏

@nivasexcites 3 года назад

@@suryananthkb5176 you cannot take Sum assured after 15years

@19frankz Год назад

boss flight charges and cycle la comparisons semma comedy pannureenga... boss bonus pathi en pesamatigureengan??

@nivasexcites Год назад

Coimbatore to Chennai flight irrukku, yaen innum cycle la thaan povennu Adampidikireenga.. everything included brother.. there is no interest in insurance. only bonus.

@RajeshKumar-nk5ox 4 месяца назад

Sir,I regularly watch your videos. Please do not mix or compare mutual funds....Any how after your repeated advice I am planning for both dividing available money

@nivasexcites 4 месяца назад

We have to compare to avoid mistakes

@raghavendraseshagiri257 2 года назад

Wow!!! Thanks a lot for the illustration!

@nivasexcites 2 года назад

Most welcome

@nranjith9368 2 года назад

Sir i need one clarification .if I watched your video early means I won't invest in lic but now iam already invested in jeevan umang 17 months already paid after 3 years surrender means loss for us only but there is one more option we stop paying premium after 3 years means after premium years we will get 8% on what we paid .does it is good option sir? Suggest to how to get free from this life insurance trap Suggest other investment options as I don't have any knowledge about shares and mutual funds .my friend suggest to buy land on loan basis which has higher return than any other investment.

@vijroks1 2 года назад

Hi. I have also paid for 18 months in same jeevan Umang

@nivasexcites 2 года назад

Invest in midcap funds bro.. Don't put in real estate. Mutual funds are low risk investment options in long term say 10years

@wiseaudiocreations 2 года назад

Can you compare with FD interest rate, the difference between interest and survival benefit., And the death claim or maturity to nominee or to the customer? And please add the risk cover too.. Can any bank, can give you should interest for weather RD or fd for prolonged period se 66 years? Future it is presumed, the rate of interest will go to 0% and after a decade maintenance charge may be charged to customers for having a deposit in bank like abroad.. Can you please add that point too.. so that the viewers can be benefited where to invest?? Please note Jeevan Suraksha 1 still from LIC my father is getting 22 percentage of interest and for Bal Vidya policy, my brothers kid still getting amount at the age of 21, @ the rate of 22.5% of return... Those who have invested at the period, in bank can you show any one getting same rate of interest? Just for doubt I am asking you to explain... Let your channel viewers can also understand sir Thank you sir..

@nivasexcites 2 года назад

One simple question, to give 22% return where Lic is investing? Its not 22% interest, its 22/1000 which means 2.2% interest.

@wiseaudiocreations 2 года назад

@@nivasexcites no it is invested by my dad In 1991, now too he is getting 22% from Jeevan Suraksha investment plan not 2.2%. I am the witness. Please read about the policy and reply sir.. Even now even before PM vaya vandhana yojana being given to LIC for guaranteed pension to its customers not to any private sector. You have asked, where they are investing? You know very well LIC is investing in markets, equity and debt funds, apart from that lending to many companies, apart from that still giving the same rate of interested to its customers @ the rate from 22% ( for 1 lakh investment yearly pension is Rs. 22,000/- ) not 2.2% sir, 18 percentage, 14% 12% and now in Jeevan shanthi policy say, before a year, it is 15.75% deferred payment for 12 years, in which I have invested for an amount. So please let your viewers know the white page of the LIC too and, no company or government company gives sovereign guarantee to the investors investment like LIC. THANK YOU. PLEASE READ ABOUT JEEVAN SHANTHI OLD AND NEW AND PLEASE UPLOAD AN VIDEO thank you good luck 🤞

@nivasexcites 2 года назад

Jeevan shanthi giving 12% return is itself is misleading clients.. The interest for deferred period is not calculated.. I will post a video soon..

@wiseaudiocreations 2 года назад

@@nivasexcites Sir, it is being printed in Policy bond and given with Central Government guarantee . Ok please let me know your answer for my question of 22% interest of Jeevan Suraksha pension plan, as if now no bank or institution is giving the assured or guaranteed interest as stated in policy bond?? Your answer please.. sir And very importantly, for Jeevan Umang policy premium paying term is 15, 20, 25 & 30.. for which guaranteed interest rate is 8% As you told if we invest for 66 years in bank fb can the bank gives the same 5 or 6% return of interest??? Please explain this one too sir here

@nivasexcites 2 года назад

@@wiseaudiocreations 8% on sum assure not on premium paid plus interest or bonus. On Lic point its correct. But if you know the Very Basics of finance, you will not invest in Jeevan Umang or jeevan shanthi

@sathiyanathan6374 2 года назад

Sir, please first you explain about term insurance. People always need return money(ROI) . Then explain term insurance with mutual fund. Don't compare insurance and mutual fund or share market, or other FDs.

@nivasexcites 2 года назад

Sir you can check Term insurance playlist in my channel.. I have explained in detail..

@iandmeonly8883 3 года назад

Bro what about lic ipo

@nivasexcites 3 года назад

You can invest in IPO. And stay invested for longterm..

@kumaravelm180 Год назад

Not life cover in FD investment

@gangadharr3524 3 года назад

Nice videos sir...I will contact you

@nivasexcites 3 года назад

Thank you so much

@jaisankarb7254 7 месяцев назад

Worst Vedio

@MrMuthukumar2002 3 года назад

Good explanation CAGR ONLY6,8%

@nivasexcites 3 года назад

No. Less than 6%

@MrMuthukumar2002 3 года назад

@@nivasexcites Thanks for your reply so in your choice what would be good choice for who were looking for good product for assured return as market were highly volatile and also have a watch on it even as you mentioned better performaing find were giving 7-9%

@nivasexcites 3 года назад

My suggestion is move out of guarantee products.. Take a calculative risk. If your goal is 10years. Invest for 9years in Equity mutual funds and switch to FD or savings funds in the last year. You can expect 12% returns.

@MrMuthukumar2002 3 года назад

@@nivasexcites But FD will give only 5-6%only

@nivasexcites 3 года назад

@@MrMuthukumar2002 but capital will be safe in the last year.

@muthuranganathan6051 Год назад

The big miss here is survival and maturity surrender benefits are tax free

@nivasexcites Год назад

But you are paying GST every year while paying premium..

@arunprasanthkaliappan790 3 года назад

Insurance is financial protection... So don't compare.... With fd or mf

@nivasexcites 3 года назад

No Endowment plan can give life insurance cover. But it cant give full financial protection. So i suggest only Term insurance.

@skrpropertyworld Год назад

@@nivasexcites term insurance give money only for death why you confusing people

@pradeeparathinam5363 10 месяцев назад

A good financial advisor shouldn't compare insurance with investment..to do MF marketing people are blaming insurance gives you low returns..if a person dies does FD and MF gives him immediately a lumpsome amount..only insurance can give.. kindly don't mislead people..

@nivasexcites 10 месяцев назад

If a policy holder dies, How many times you will get Sum assured in a policy. Maximum you will get is 10times of Annual premium in an endowment policy. That will not be sufficient. Take term insurance. You can get 20times of your annual income. I pay 21000 for 1crore cover.

@Tn330240 3 года назад

Incase of death , term insurance is best !! Don't compare with returns

@nivasexcites 3 года назад

Only if you compare, you will understand why you should avoid Endowment plans of Lic and all private insurance companies.

@natarajanc6574 2 года назад

calculated risk. stock market is a gambilling. you also know.

@nivasexcites 2 года назад

SHARE TRADING IS GAMBLING.. Investing in shares in not gambling. if it is gambling, LIC also is going to gamble from march 2022.

@narayanir1391 2 года назад

You have made an assumption of interest being constant- 6% or 10% etc. In the long run, the interest rate is going to decline and investors will face reinvestment risk. Make a 360 degree review of any financial product, if not it is misleading

@nivasexcites 2 года назад

Hi Narayani, Comparing FD and Jeevan umang is to give an idea of what people are thinking. I'm not suggesting to invest in FD. For longterm, Invest in mutual funds. For short term invest in FD. That is the thought process

@nivasexcites Год назад

Sir what is the interest rate now in Banks?

@paramanparaman4873 2 года назад

Sir. நீங்கள் சொல்ற. 6 சதவீதம் வட்டி உறுதியளிக்கப்பட்ட அடுத்த 50 ஆண்டுகள் தரக்கூடிய நிறுவனம். ஏதாவது ஒன்றை சொல்லுங்கள்????? இன்னும் 5 ஆண்களில் டெப்பாசிட்டுக்க வட்டி கிடையாது. சார்.... நமது டெபாசிட்டுக்கு சர்வீஸ் சார்ஜ் போடப்போறாங்க. நன்றி.....

@nivasexcites 2 года назад

Do you know the Bank interest rate in 2005? It was 5.25%. Then it went upto 10% in 2010. India is not a developed country to charge fees from clients.

@kavinbarath8121 Год назад

True. India is a developing country, and the bank interest rates will never go down but will keep increasing every year. Just as inflation increases.

@gmynavathy Год назад

SIR,DONT COMPARE INSURANCE WITH MUTUAL FUND.COMPARE INSURANCE WITH STOCKS AND REAL ESTATE.VIDEO MIGHT HITS VERY SOON

@r.madhan108 2 года назад

Sir what is financial pyramid say

@nivasexcites 2 года назад

From Bottom 1. Protection (Term insurance) 2. Emergency funds 3. Wealth creation 4. Estate plannung

@r.madhan108 2 года назад

Good sir But people not buying term insurance.

@juniorsgalaxy605 Месяц назад

Estate planning?@@nivasexcites

@nivasexcites Месяц назад

Estate planning at very low returns is at inflation risk

@arlandsvillatuticorin41 7 месяцев назад

i think Lic is good and safety

@nivasexcites 7 месяцев назад

Safety of no use in longterm

@balakrishnan7213 Год назад

You seem to be unaware of the risk in Bank Deposits, No assurance of 6% interest p.a for such a long period, In case of Bankruptcy, how much will be returned by Banks ( The LIC is one of the Fortune 500 Companies). And, one should understand the Risk Management that is offered by LIC is unparallel! I understand that you biased against LIC.

@nivasexcites Год назад

Tell me one Bank which has gone bankrupt in India and clients lost their deposits? I'm not against Lic or private insurance. I'm against misguiding clients. Lic sells this schemes says 8% guarantee return. So all clients believe, 8% is the return on investment. Actually its 8% is on Sum assured. If you calculate, it is lessthan 6%.

@anandpalamaneri5480 2 года назад

Don't mix investment and insurance.

@nivasexcites 2 года назад

That is what I'm also saying.. Take it separately.. Don't mix it

@vidiyal748 2 года назад

Sir intha varushathula unga clients mutual fund la invest panni panna profit video podunga. Vanthutan lic Kora solla.

@nivasexcites 2 года назад

All My clients who have invested 2years and above are still in profits only. If you want good returns, minimum 5years you have to invest.. watch this video ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-ykdHhbp5510.html

@vidiyal748 2 года назад

@@nivasexcites current year avanga postion sollu mamu

@vidiyal748 2 года назад

@@nivasexcites appadiua account la login panni evalo potanga ippo evalo return nu kattunga sago.

@nivasexcites 2 года назад

Ok come on my whatsapp number 9994266772

@investsimplecoimbatore4424 3 года назад

Good info bro....

@nivasexcites 3 года назад

Thank you so much bro

@jaik1764 2 года назад

Cash value + 8 % interest = next year cash value + return

@nivasexcites 2 года назад

No interest in Lic. It's called bonus 8% on sum assured.

@narayananlekshminarayanasa3217 3 года назад

Fab for 10 lakhs you said 20000 is wrong.2 lakhs is correct.calculation wrong.comparing declining fd no insurance not guaranteed bank rd fd with Lic umang is nothing but foolush. Umang all in one plan 25 years I have taken for my 21 years son 1 crore policy 4lakhs premium 8 lakhs tax free return.guaranteed.mutual fund tension. No guarantee. Ordinary people like me hassle free

@nivasexcites 3 года назад

are you going to be happy with 4% Guarantee return?

@nivasexcites 3 года назад

Have you seen any word Guarantee in Lic policy bond?

@skrpropertyworld Год назад

@@nivasexcites mutual fund giving risk cover ? Accident cover? Death cover?

@srinivasanvasudevan7413 3 года назад

All Financial Consultant Focusing Only On Mutual Funds and Share Market. Really Risk..!

@nivasexcites 3 года назад

That is where you can grow your money Sir.. People investing in Lic, Fixed deposit or any guaranteed scheme cannot multiply their money. They forget the biggest risk which is INFLATION. If you want your money to beat inflation, you have to invest in mutual funds.

@narayananlek8910 2 года назад

Correct he is simply mutual fund agent you r right.he is young realise and repent in older age

@nivasexcites 2 года назад

Thank you for the complement. I look young. My age is 40. I have 18years experience in Mutual funds, Banking and insurance.

@narayananlek8910 2 года назад

@@nivasexcites I am old 28 years experience in LIC as development officer.IAm 53

@nivasexcites 2 года назад

@@narayananlek8910 Great sir

@sujathasabarishvar1081 2 года назад

Sir, u r intelligent. But u r preaching a bad idea. Insurance is different from MID CAP funds. If we die the next day, even the same day... Which mid, middle ... Long cap will take care of ur family needs?. Everyone will step back. Only insurance will save ur dependents as well as ur old age needs. Without adequate insurance, ur savings vehicles will be dummy. Insurance is for today and tomorrow. Ur attractive savings plan doesn't help u. U will realize this agvright time. But at that time, u will be unfit for insurance. If u want to be wise, advice portfolio of investments with *adequate insurance*.

@nivasexcites 2 года назад

Dear Sujatha, pls watch my latest video on Guaranteed insurance vs Mf + Term insurance. You will get more clarity..

@sujathasabarishvar1081 2 года назад

@@nivasexcites sure sir.

@skrpropertyworld Год назад

Super saudt

@tejas5140 3 года назад

Madan Gowri voice Madri eruku.

@nivasexcites 3 года назад

Thank you.. He is amazing..

@narayananlek8910 2 года назад

Lic's guarantee comes with govt sovereign guarantee printed 8%. Guarantee in policy bond.your question of possibility is joke.you should calculate return only at the end of whole life term not in-between since it is whole life policy with tax free yearly return ,growing corpus and maturity at 100 or at death with final additional bonus.you r just seller of mutual fund as agent.no knowledge over this all in one super plan

@nivasexcites 2 года назад

Thank you for the comments. 8% guarantee on what? Just sum assured.. That is misleading innocent clients.. For age 40 with 10Lakh S.A. premium is 52000 for 20years. At 20th year, I have paid 11Lakhs. And you will be paying 8% on 10L S.A only. not on (SA plus Bonus). All in one benefit is for Lic not clients.

@narayananlek8910 2 года назад

@@nivasexcites I told clearly that maturity is 100 age or death whichever comes first.so obviously sum assured only basis for 8%.In insurance everything is coated in premium.if it 1% premium will be more.in mutual fund units are redeemed and asset vanishes.here in umang luck inspire of 8% sum assured return the corpus and 8nsurance grows.final additional bonus calculated on total term at 100 or death.mutual fund return taxable where as here fully tax-free 10 10d

@narayananlek8910 2 года назад

@@nivasexcites20 years who will give premium for death .Even endowment policy jeevan Amanda premium will be more than this.compaeatively cheap to policy holder not client.policyholder now get 90% of surplus as bonus.he is always bonus share holder unlike private where major chunk if any will go to shareholders

@nivasexcites 2 года назад

@@narayananlek8910 to get 10Lakhs Sum Assured, I have to pay 11Lakhs in endowment insurance. Instead take Lic Tech Term plan, you can get 1crore cover for total premium of 10Lakhs.

@narayananlek8910 2 года назад

@@nivasexcites useless mindless comparison.techplan term insurance 1 crore death only payable.if you want that take it.why did you take umang.umang only for all in one lovers.even layman to great man umang is best all in one i.you start a insurance company and give life insurance free of cost. Or 6lakhs for 10 lakhs and give double the umang return.you r unfit financial advisor.your duty is just explain the available plans and suits whom.yuu r not commentator.r you?

@elangoramakanthan1506 2 года назад

Sir, but risk coverage??

@nivasexcites 2 года назад

Take Term life insurance. For age 35, you can get 1crore sum assured for 13000. Cover upto age 85

@abineshsuresh4787 2 года назад

@@nivasexcites term life insurance is guaranteed?? sir

@ganantharaja Год назад

Jeevan Umang is one of the best policies to invest, I am paying 12 Lakhs per year (1.5CR Sum Assured) to get 12 Lakh per year every year after 15 years (TAX FREE), The bonus is already accured to 25,82,100.00 (I have only paid £36 Lakhs in the last three years) where I can get a Minimum of 22 Lakh in Loan if I have to pay for any future annual payment or for any personal spending purpose at 9.5% interest rate, This loan value will keep on increasing because of the bonus and premium amount being added to the policy every year. I did lot of research befor investing the policy in 2020, And I dont regret it, Finally LIC should not be seen as an alternte to FD and MF as they serve different purposes, Please note Mutual fund is subject to high risk, In the past 7 yrs I have ony received 8-11% returns even after taking high risk, in LIC policies there are no risk involved, Hope this helps

@nivasexcites Год назад

Lic jeevan umang bonus rate is 48per thousand (4.8%). This is not compounding interest. They are announcing now. They are going to pay on maturity without compounding interest. Next they say 8% payout from Sum assured say 1.5cr. After 15years Sum assured (1.5cr) plus bonus accrued (1.08cr) will be 2.58cr. so they are not going to pay the Payout from total Corpus. 8% of 2.58cr is 20.64Lakhs per annum. But they will pay only 12Lakhs. 8% guarantee return means the customer will think IRR is 8%. But actually 4.8% only bonus rate. The final additional bonus is 5.5Cr. if you divide that by 1.8cr which you paid it is 30%. say you passed away after 40yrs term. Then Divide 30% by 40yrs. It is .07%. so the actual benefit is 5.5% in Jeevan umang.

@rsocrates7855 Год назад

Excellent

@ganantharaja Год назад

@@nivasexcites Thanks for the info BRother, But LIC clearly states that the 8% guaranteed return is for the Sum Assured and not for the amount invested...But please bear in mind the additional bonuses which keep on added in our policy will make it very lucrative return which will work out around 11% (8% guaranteed and 3% with non guaranteed bonus), from the past history of LIC they have given a bonus of 4% and above to the participating policy like Jeevan Umang, End of the day LIC is for Insurance and will receive less returns compared to any Mutual fund houses, But we can wisely invest from the Loan received thorugh LIC in to some other components such as Land,MF, Soverign Bonds etc...Hope this helps

@nivasexcites Год назад

What is the total actual IRR. It will be less than 6%. It's not worth. Any bonus without compounding is not worth. More over, innocent customers don't know whether 8% is on the sum assured. They will believe, 8% is from the amount they pay.

@balasundaram5319 2 года назад

பூனை குட்டி உன் வியாபாரம் புரியுது

@nivasexcites 2 года назад

intha video Lic-yin viyabaram purinthu kolvatharkaga..

@sathiyaseelanv7746 3 месяца назад

RD la death benefit eruka???

@aparnakarmegam3807 2 года назад

😁😁😁😁😇😇😇😇😇😇😇

@jaik1764 2 года назад

Totally misguided with half knowledge

@nivasexcites 2 года назад

Who misguided?

@palaniyandiduraisamy9904 Год назад

Muthalla nee nalla therinchikka apparam video podu (jeeven umag plan)

@nivasexcites Год назад

Ungalukku therinjatha konjam sollunga.. enna thavuru intha video la?

@Akash-nt7qd Год назад

Nallaa mandaiyai kuluvurapla😂

@nivasexcites Год назад

I'm telling which is good for future

@ganantharaja Год назад

Dear Brother, I have previously commented on this forum supporting Jeevan Umang and mentioned that I am paying 12 Lakh per annum for the next 15 yrs (1.5 crore Sum Assured and will get Tax Free 12 lakh for rest of life after 15 yrs), To add it up after three years of Paying the policy, I have taken two loans of 12 lakhs each, one for buying the land and another was invested in Mutual Fund, I will keep doing this for the next 11 yr term...Land is having a very little profit but will grow to give huge profit in 10 yrs and Mutual Fund have already given 14% return and my LIC loan interest is only 9% (I Dont have to pay any interest to LIC as my annual bonus will cover that too), Either way Jeevan Umang is a real gift to anyone who is looking for a safe return with life long insurance cover and optional loan facility, Keep going

@nivasexcites Год назад

Taking a loan on insurance is the height of foolishness. Why we should pay interest on our own investment. The bonus they announce is not compounding interest. It is a simple interest. Don't get carried away by the amount you receive. Enter the amount in a basic Excel sheet and check how much interest it works about. Not even 6%. And you will pay 9% on loan amount. You pay 1.8crores. but you get only 1.5cr sum assured. Even if you put 6% compound interest, 1.8crs would have become 3crores. 12Lakhs you will get yearly after 15yrs is just 4% on 3crores. Understand this simple math.

@senthilkumar-rn8yf 12 дней назад

Business is best to investment amount.

@jaisankarb7254 7 месяцев назад

LIC யை பற்றி உனக்கு என்ன தெரியும் முழுவதும் தெரிந்து கொண்டு வீடியோ போடு

@nivasexcites 7 месяцев назад

I have worked in insurance industry for 20yrs.

@jaisankarb7254 7 месяцев назад

Jeevan Umang பற்றிய நல்ல விஷயங்கள் நிறைய இருக்கு, உன்னுடைய பிஸ்னஸ் லாபத்திற்காக LIC யின் திட்டங்கள் பற்றிய அறிவு இல்லாமல் குறைகூரினால் வழக்கை சந்திக்க நேரிடும்.

@jaisankarb7254 7 месяцев назад

Every year cash flow Life long Insurance (Age 100Yrs)

@nivasexcites 7 месяцев назад

Yes. It's good plan. But interest (bonus) is low. This will not beat Inflation.

@senthilkumar-rn8yf 12 дней назад

A fool do not compare insurance and investment.share market is not good return compare company product business.

@nivasexcites 12 дней назад

I have only 1lakh amount. Without comparing how do I know which is best?

@bharathipriya8078 Год назад

First go and analyse the history of interest rates in FD It reduces from around 11% - 5.5 % In 1994 FD interest rate 12-14% FD interest rates continuously decreasing Don't misguide the people

@nivasexcites Год назад

What was the interest rate in 2021 and what is the interest rate now in 2023? 2% increased now

@nambivasanthan123 Год назад

@@nivasexcites will u give the guarantee on FD interest rate Will it remain constant And no one is willing to hold their money for 65 years without receiving it's benefits If bank goes bankrupt who will give the money(people will only get 5 lakhs even if they invest crores of money ) But for LIC - govt. Of India gives Sovereign guarantee to all the sum assured with vested bonus under section. 37 of LIC Act 1956 This is one of the best plans in the world and ur comparison is completely invalid I don't know why u gave negative opinion to this plan ....India is developing now ....for any developed nations when we compare it's interest rate it is. continuously falling .....but umang gives Guarantee returns. Get a proper competitor for Umang with all its terms and conditions

@nivasexcites Год назад

@@nambivasanthan123 There is a huge competition from other companies with Clear IRR calculation from private insurers. Only Lic has to design a transparent policy like others now. FD interest has increased now. All insurance companies lack transparency in policy document. Now atleast pvt players has brought few plans with clarity.