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Mandeep you are also sounding like Mutual Fund Agent ... Insurance agent apna bech rahe h aur tum apna mutual fund bech rahe ho... Link discription me h sabko samjh me aata ha bhai paisa tumko bhi kamana h .. aur mutual fund aur ULIP me dono me guarantee nhi h fir mutual fund me 15% return milega how can u say that buddy.. kal kisne dekha
I had HDFC ULIP which I took in 2009 , I used to invest 60K Per annum , out of which 20K used to be admin charges and only 40K used to be invested in market !! This continued for 3 years , which was absolutely rip off ! And I was too young to understand that back then . Exit out of HDFC ULIP in 2012 after 3 years and took loss of ₹18K Lesser that what I invested .
I had HDFC SAP (Savings Assurance Plan) bought in 2009 as well . Yearly investment 24 K for 10 years payment and got the return after 10 years as ₹3,18,244 ! Which is 5.6% of interest . Another Rip off! Please save yourself from ULIPS and Guaranteed plans !!
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@@LabourLawAdvisor Sir..my insurance agency told me I cannot get refund under free look period policy within 15 days..as I have signed consent..but I want to withdraw from max bupa monthly income advantage plan.. please help
I am insurance agent. Counter point mentioned karne he muje regarding this video. 1) kya India me log personal finance ko leke knowledge rakhte he? 2) kya sabko sare financial instruments pata he? 3) MF and stock ki volatility se sab comfortable he? 4) I agree Liquidity is big concern in insurance policy but logo me jis instrument me liquidity he log us instrument ko bech k apani temporary requirements to Puri kar lete he. But compound effect ka magic miss kar dete in long term. Insurance me mostly koi surrender nhi karta policy ( company aur agent unko manane ka try karte he long term k liye invested rehene k liye) 5)Mostly 8%-9% ka return to mil hi jata he client ko par product me jisme unka capital guaranteed hota he. 8% - 9% is good return jinhe market se dar lagata he. 6)Agent ko 15-30% commission milta he ispe bura man ne ki kya baat he? Agar me jada commission kamane k liye logo k piche pad rha hu. Aur aise logo se investment kara raha hu jo jindagi me kabhi investment karne wale nhi the. For eg. aaj hi maine ek policy bechi he jisme husband is not serious about investment aur wife ko apne bachchi k padhai aur shadi k liye paise jama karne he. 1 month se piche padhke Maine unka investment kara diya. It's win win situation for both muje commission ne motivate rakha itne lambe samay tak unse follow up lene me. Aur bachche k naam pe kuch investment to ho gayi. 7) Ulip wohi customer kharid ta he jise market ka knowledge hota he. Market ki volatility se comfortable hota he. Agar koi customer long term k liye ulip aur mf same amount dalta he aur same portfolio choose karta he . E.g nifty 50 portfolio choose karta he. Charges k vajese ulip 1-2% hi sirf Kam return dega. Mostly customer term insurance prefer nhi karte he itna awareness nhi he logo me. So in that case agar shuruvaati dino me hi customer ko kuch ho jata he to mf sirf invested money hi dega par ulip insurance cover bhi dega. Isliye log 1-2% kam return hone k bavjud mf se jada ulip ko pasand karte he. 8) jaise ki apne thumbnail me likha ulip me paise dalne k badli paisa jala do. Ek kaam karte he aap 1 lack jala do aur me 1 lac ulip me dalta hu. Dekhte he kiska return achcha aayega. Me agree karta hu insurance aur investment alag alag hona chahiye. But on ground aap logo ko educate karne jaoge koi samajta nhi he. Insurance agents ne bada role play kiya he logo ko unke personal finance k bareme sochne.
I understood it when I was 22 hence never invested in ulip. Instead I bought term plans, bought index funds, elss mutual funds and started accumulating stocks of sectors leading companies. Now m shifting gears towards bonds too. Same time my friends bought ulip to save tax... Today they ask me for guidance with their money
I am a development officer in lic posted in rural area... Sir yaha to term insurance ki baat hi chhod do, log to health insurance me v puchte hai kitna return milega..😂
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@@onlinechesslecture9003I can challenge you that if you can prove that ulip is better than mutual fund. Heard about quant, SBI, Nippon, icici prudential small cap fund. Leave it ever consider about mid cap or large cap far better than ulip in long run.
I used to work in ICICI Prudential , I learnt the truth about it and left the job just after the training .I taught my family and everyone else whom I could about the dark side of this , Glad you're there to inform more. PLEASE share this guys , not just for promotion , it's to save people !!!
@@mmm14916 I am sorry for writing that without the full story. There are 2 types of insurance 1) Term insurance (you pay premium, you get a security amount, upon something happening to you or whatever was insured , They give you the certain amount on the condition that the premiums were paid on time and the policy doesn't lapse . 2) ULIPs or Unit linked insurance plan ( Here you have an insurance with an investment plan , Just imagine if you're mutual fund also gave you insurance, that kind of plan ) So the dark side was that ULIP was promoted so much in our company, every manager since the day begun they had targets for us such as 1lakh ka ulip policy sell karna hai per day, if that didn't happen they used to sit for long hours, even before the bank branch closed at 4, we used to reach home at 10 just because we couldn't complete daily targets . ULIPs are bad because they don't give benefits of both, They are neither good investment or a good insurance. Suppose you're 24, non smoker and you earn 25k a month, Any insurance company will give you life insurance plan for like 500 or less than that for a month upto 75 years and coverage of 1cr , That sounds amazing right? I was 22 and my premium per year was 346 something back in 2019 . With ulip you'll be getting like 10-20 years of insurance with only 10* the amount of the yearly premium, Say you're invested in a ulip plan of 1lakh a year for 10 years, upto 10 years / or till the plan lasts, if something happens to you your family gets 10lakh only because IRDAI guidelines, minimum 10 times of premium shall be offered as insurance. Ulip is bad investment as well because it has Lock in period like fd , for 5 / 3 years depending on tenure of your plan. We were told to say ULIP gives 23% interest, true but you can get more in mutual funds because it's compounding ( we knew this and we're forbidden to speak it, because our job was to sell ULIPs) Why does company wants to promote ULIPs more , A) Charges , Company is offering you investment + insurance so it charges you twice . B) Lock in period , They can use your money to invest further and earn while resting assured that you cannot withdraw money as it's under lock in period. There are more technical and numerative data i can list you but it's gonna be so much time . Companies love ULIP plans , please ask them repeatedly if it is a ulip plan. Please sign carefully. The mongrels used to target people who had money but didn't know much about paperwork rather than their signatures. Please be careful and ask your elders specially to not to do this before consulting a financial expert or anyone who knows a few bits about banks and their policies. ICICI prudential and Bank are two different entities, ICICI banks allows prudential employees to sell policies through customer walking in banks . Please say no to ULIPs , It's Evil .
@GauravSingh-vt9pg hi, check if my understanding is correct. If I take term insurance, that's of 1cr for 40yrs for a 10-year premium period and 50k/year. If unfortunately I expired within the 40yrs cover my family will get 1cr. But if I take ulip then for death they will not get 1cr ?
Hello Bhaiya, I'm 25, I was confused for SIP, but the HDFC agent suggested me a better option that is ULIP. Thank God I stumbled upon your video.. U saved me and my money.. God Bless You!!!
Bjai, isne aoke ullu banake rakhe hai... he is simply promoting Term insurance which is also a best option but not a best one for the ones who wanna get returns. And agents won't get 20-30% commission on ULIPs. Only 5-6% hi milta hai...
@@sunilkeshetti3085 mai 1.5lakh per month salary ka job kar raha hu, agar ulip plan bejkar muje 15% commission melegi na to me job choddunga, or broker banjaunga. Ku ki Muje pata hi upli benifit he 30% tax slab walo ke liye... jo tax pay nahi karti he unko pata nahi...
@@Ph-xj9lb they are not uneducated they just don't have proper info, the problem with old generation now days is they always think that they know better than there children because they have seen more "rainy" days than us.
Very nicely explained Sir. Only few days back some agent from Motilal Oswal called me up for ULIP in ICICI I did not do it as I am only investing in MF direct.
I get 15% compounded tax free returns from ULIP from last 12 years in which covid 19 comes under.. ULiP is a good investment but you should be invested for atleat 10 years
your compounded return would been much higher had it been mutual funds...ULIP plan allocates mortality charges, higher fund allocation charges, GST from your principal amount, and Bank charges if ULIP is taken from bank..All these charges are taken from your principal amount. So 90% of your principal amount are actually invested..while in mutual fund, you will be taxed 10% of the profit minus the Rs1Lakh..so Mutual Fund always gives higher return..long term, every fund will give you return, but 2-3% difference in annualised return for 10yrs+ also means huge difference of total gain...Rs10000/month for 12yrs at 15% annualised return gives Rs40.46Lakh..at 18%, its gives Rs50.97Lakh.. There is a reason why mutual fund is used for money gain..ULIP plan is only used for tax exemption in 80C ITR...an nobody should be applying for more than Rs1.5lakh in ULIP per year.
You have good information. But one suggestion, keep speed low. But for ULIP, I have few points: 1. It gives insurance cover, of course small. But it is along with an investment plan. If one goes for pure insurance, ULIP is not for them. 2. You have compared it with mutual fund which is not comparable. MF is purely an investment plan, without insurance. So better you compare ulip with some other product with similar features. 3. But I agree on the whole that the tiny cover which one gets in ULIP is of no value/sense. That much small insurance does not help in case of death. So either one should take endowment policy for assured cover at lower cost and MF for investment purposes. 4. Appreciate your gesture for explaining limited utility /features of ULIP. Thanks. 2.
@@nseniftybankniftytrader4086 You took an immense effort to ask then why not! I do not go with any insurance policy whatsoever, except what comes along with perks package from my company. On my own I trust and invest only in stocks for last nine years and that is way better than anything else!
@@nseniftybankniftytrader4086 and for this video as like any other subscriber I liked it and shared with few guys I know who still believe in old ways of investing!
I am happy to share with you a new UNIQUE product which we have introduce in Insurance Industry First Time. Here Are The Benefits::>>>>>> 1> Life Insurance Start With 50 Lac 2> From Age 18 Till 60. 3> Choose Policy Term 30 Or 40 4> Flexibility To Pay 5/10/12/Regular 5> Accident Cover From 50lac Till + 6> Permanent Disability 50lac Till 2cr 7> Hospital Benifit 10lac Till 40lac 8> Criti Care 20lac Till 1cr 9> Major 40 CritiCare Disease Cover 10> 11 Best Fund Options To Select 11> Smart Investment Option 12> Best Funds To Get Best Returns 13> 2 Pakage Option 14> Tax Benefit 15> Most Trusted Brand And I Am Param Rakshakarta Here To Give You Best Service.
I really appreciate the knowledge that you provide. On the point and completely factual. Eagerly waiting for the video on endowment plans. Keep up the good work!
Hello Sir, your videos are really an eye opening .. you are doing great job with perfect calculations, examples and comparisons .. Just one request i am seeking a video where i can understand PPF vs SIP ... Deep and humble request if you can present video on this as well
Hi Mandeep, Can you enlighten us about "SBI Life Sampoorn Suraksha" scheme in YONO. I hope it'll be very useful for our community members. Thanks in advance.
When I wanted to start investing, I went to an agent and asked for mutual funds. She suggested two mutual funds which I bought. On top of that, she and her team tried convincing me for 1 hour about ULIPs without taking the name of ULIP. I patiently listened and came back home asking for time. I never went back to them again. Now, still, after many years I have still kept those two mutual funds, which are giving an average return for two reasons. 1. Emotional attachment of first investment 2. A lesson for life that, I should do my own homework without taking anyone's help and take the right decisions.
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I had taken SBI wealth Builder ULIP plan 5 years back..in 5 year i paid 40k×5= 2lakh rupees...and this year i.e 6th yr my fund value was 3.08 lakh...and i paid it as down payment to buy a new Car...I don't see any downside in ULIP when I don't have time to invest or track stocks directly
Thank you mam for your response, its Gives Other People Confidence who are looking for testimonials and ULIPS are especially long term investment, After every 5 years SBI Life adds a guaranteed additions/loyalty addition to your fund value..Thats a point which only a advisor will tell you sbi life has a unquie tie ups with big companies and keep an investment agreement i would like to tell others ITS OUR SECRET MOTTO WE NEVER LOOSE A SINGLE PENNY You just need to stay loyal in investment and time with and its also important to talk to your advisor like you watch any kind of these videos
I had myself also invest in Ulip plan investment for 7 years and return at 21 year.. I think this is the second best investment after Ppf if you don't have any knowledge of market..
Hi Tanya! Will try and explain something to you here. Investment amount - 200,000; Your return on investment - 100,000 (300,000-200,000). Percentage of profit - 100,000/200,000 x 100 = 50. On paper it looks good that this investment got you 50% profit. However you need to divide this by the number of years you have invested + 1 year where money was blocked. So, 50/6 = 8.33% return every year. You could had got more if you invested in a FD 6 years back. It’s okay if you don’t have knowledge of stock market/mutual fund - Just find blue chip companies like TATA, Kotak and others and invest in them; they’ll give you a decent return. Way better than ULIP
Thankyou so much for your informational videos. I have been watching it back to back. Can you please make a video specifically of surrender values? I am sure many people like me want to learn about how it works...
Thank you so much for this video. I got the same pitch for selling the ULIP plan as you showed in the beginning of the video. Thanks for the guidance and saving my time, money and energy with the investment plans.
Index fund is also a mutual fund there r different types of mutual fund Small cap fun larg cap fun Index is nifti 50 , nifti bank they r group of top 50 stocks , bank stocks Ur money will be added only in that stock
Next month I'm planning to take life insurance coverage...I'm 25 years now I was zero knowledge about it I watch 2 video of You. But explained it very excellently..... Thank you Brother! ❤️🙏
Sabse pehle term aur health plan lijiye aur uske baad agar stock market ki knowledge hai to direct stock me investment kijiye ,aur agar usme samay nahi de sakte hai to mutual fund ya sip kara sakte hai ......
Hi Mandeep bhai... thanks to you and your team for the awareness you are spreading...I have term insurance of 50lac.. when I took it my salary was very less.. but now when things have improved I want to increase my cover.. should I take a new plan or Is there any option to make changes in existing plan ?
You will have to buy a separate plan same plan can't be enhance as this is a term plan.this man has half cooked knowledge because many ULIPS ARE DOING BETTER THAN MUTUAL FUNDS. there is pro and cons of mutual fund and Ulips. Ulips are better in long run which means 10yrs and beyond their cost structure is such that after five years virtually their won't be any charges except fund management charges.
@@hellochandra8017 check out the charts , and then speak for yourself. ULIPS are invested in funds . Funds just like Your mutual funds but a bit different. Both mutual funds and Ulip plans are invested indirectly in the market by the fund manager , So whatever you do, Mutual fund and Ulip will earn same . Stop the ganja you taking and educate yourself.
I am happy to share with you a new UNIQUE product which we have introduce in Insurance Industry First Time. Here Are The Benefits::>>>>>> 1> Life Insurance Start With 50 Lac 2> From Age 18 Till 60. 3> Choose Policy Term 30 Or 40 4> Flexibility To Pay 5/10/12/Regular 5> Accident Cover From 50lac Till + 6> Permanent Disability 50lac Till 2cr 7> Hospital Benifit 10lac Till 40lac 8> Criti Care 20lac Till 1cr 9> Major 40 CritiCare Disease Cover 10> 11 Best Fund Options To Select 11> Smart Investment Option 12> Best Funds To Get Best Returns 13> 2 Pakage Option 14> Tax Benefit 15> Most Trusted Brand And I Am Param Rakshakarta Here To Give You Best Service.
@@LabourLawAdvisor I am happy to share with you a new UNIQUE product which we have introduce in Insurance Industry First Time. Here Are The Benefits::>>>>>> 1> Life Insurance Start With 50 Lac 2> From Age 18 Till 60. 3> Choose Policy Term 30 Or 40 4> Flexibility To Pay 5/10/12/Regular 5> Accident Cover From 50lac Till + 6> Permanent Disability 50lac Till 2cr 7> Hospital Benifit 10lac Till 40lac 8> Criti Care 20lac Till 1cr 9> Major 40 CritiCare Disease Cover 10> 11 Best Fund Options To Select 11> Smart Investment Option 12> Best Funds To Get Best Returns 13> 2 Pakage Option 14> Tax Benefit 15> Most Trusted Brand And I Am Param Rakshakarta Here To Give You Best Service.
Thanks Mandeep for opening my eyes I will definitely stop ulip plan which my parents are paying high premium I really missing big opportunity to compound my money as my parents are saying me that "LIC hona chahiye return acha milta hai"
I want to say this thing today, people talk about financial scams in INDIA, but belief me, LIC (Insurance + Investment) is one of the biggest financial scams in INDIA.
Really nice and informative video. Hats off ! Can you please suggest how to convert REGULAR funds in myCAMS to direct funds ? It's there any portal where I can send my current investment portfolio to get advice ?
Hello Mandeep! Excellent content and style. Your videos are Very informative for me. would be great to hear from you on smallcase in zerodha and if you use it and how.
Insurance is the most bogus thing ever... specifically life insurance...I hate it...but the thing is..I myself work in insurance as a manager 😂😂😂...daily guilty feel hota hai kaam karke..raat ko daru pee k sota hu...
I guess every Indian middle class person has that one distant relative "Chacha" who's an LIC agent and he talks you into buying such bad schemes. One of my Chachas has made me buy Postal Life insurance's endowment plan which I've been regretting since I've started learning about personal finances. Looking forward to your Endowment related video for a suggestion about exit strategy. 😊
Nice work Mandeep ..Your Jagruk Janta has actually enlightened me and I have realized that, I too was fooled by such ULIP act and have been paying the premium for last 3 yrs with not even 2% increase in the overall price. I am thankful to you and your team for providing the knowledge...but is it possible to close ULIP at the earliest? I mean will the bank agree now? if so.. how do i convenience then amount myself being looted from my own hard earned money? ...Thank you and i wish you a great success ahead...:)
I am happy to share with you a new UNIQUE product which we have introduce in Insurance Industry First Time. Here Are The Benefits::>>>>>> 1> Life Insurance Start With 50 Lac 2> From Age 18 Till 60. 3> Choose Policy Term 30 Or 40 4> Flexibility To Pay 5/10/12/Regular 5> Accident Cover From 50lac Till + 6> Permanent Disability 50lac Till 2cr 7> Hospital Benifit 10lac Till 40lac 8> Criti Care 20lac Till 1cr 9> Major 40 CritiCare Disease Cover 10> 11 Best Fund Options To Select 11> Smart Investment Option 12> Best Funds To Get Best Returns 13> 2 Pakage Option 14> Tax Benefit 15> Most Trusted Brand And I Am Param Rakshakarta Here To Give You Best Service.
I'm new to the channel. My bad, never came across this gem of a life saviour ! Hats off Mandeep and kudos to your stupendous efforts. Subscribed instantly and I'm going to spread the word to all my known people.This knowledge that you share here is invaluable and im sure everyone who watches gets enlightened.God bless you, brother.Keep up the good work !
Hi Mandeep Sir, Thank you and your team for the awareness You are sharing great information with everyone. I already have term insurance of 50 lakhs. And I bought a traditional plan (SBI life-smart income protect) in 2015 at 50k/yr, don't know if it is good or bad, Please tell me if should I keep it or discontinue it, on the internet not have proper information about the plan. I will be very thankful to you if you guide us regarding this. Thanks in advance.
ULIPS like HDFC Click2Wealth & ICICI PRU-Signature give equal returns somewhere around 12 to 18% like Mutual funds in the long term...They have very low charges compared to other ULIPS
Bajaj Allianz has 0 allocation charges which is usually the heavies when it comes to charges under ULIPS and let’s not forget that this is the only product which is giving non taxable returns
@@abhishekkmr001 i also own ulip and got a fair returns, but what will happen at the end of tenure 10yrs , is there tax benefits, i heard only 1.5L is exempted rest of amount we have to pay taxes
Excellent explanation. Invested in ulip and surrendered way back in 2010. Also made aware friends and relatives about the cons of these policies How come the companies sell such scam in india. Thanks
HDFC Sampoorna Nivesh has an option of 10- 40times insurance cover of 1st premium. Yearly 4 fund switching free. No surrender charge after 5years. Check HDFC LIFE opportunity fund. Not everyone are eligible for term insurance. For more info ADARSHASUBRAYA@GMAIL.COM
Hi Mandeep, Very informative video. Thanks. I have a ULIP which I have been paying for 10 years, so the money invested is good. Any suggestions, if I were to close my ULIP, where should I put that corpus as a lumpsum? Or would you recommend me to go for MF and Shares as you have suggested already.
I opened ULIP like a SIP. HDFC's click to Invest. The growth of the units has been decent. 1.6 lakh investment in past 32 months has resulted in 2.5 lakhs. Keep in mind, my investment was not lumpsum but monthly 5k.
I know mutual funds are better than ULIPS in terms of return but both schemes have different pros and cons.. As ULIPS are tax free and also switching is available and they are bit less riskier than MF...... On the other part mf is good too but both are diff.
I have already invested 5k per month in Bajaj Alliance ULIP for 15 years! And the return till now is around 20% rest I have invested 7k in mutual fund also. So is this okay ?
Absolutely eye opening video. I too always wondered how these companies make money, and pay to the customers as well. I too had to buy a life insurance in pressure of some friend. The money invested was 2 lacs. It had a lock in period of 5 years. Its maturing next month, I'll update how much i got. But wonderful and bold video. Keep it up. And your term insurance video is also wonderful. Gonna buy the policy first thing tomorrow.. thanks !!!!
My father who once used to be in insurance industry, always asked me to stay away from ULIP & Child insurance plans.. these shits are emotional blackmail. -& yes he himself stayed away from making people have these plans ended up leaving that industry for obvious reasons from seniors 😂.
Hi Mandeep, Thanks for the very informative video...I have ULIP from last 10 yrs and I have two queries pls help to sort out so that i can take decisions... 1. ULIPs deduct their charges in first few premiums or they deduct these charges in every premium till maturity. 2. How to calculate returns in ULIP... As a whole it looks like i am gaining but how to evaluate actual returns.
This is an eye opener for me. I recently took HDFC Click 2 Retirement Combo plan or ulip. It has HDFC Fixed Sanchay Maturity plan and HDFC Click 2 Wealth. The insurance agent never openly discussed the mortality charges. Always, he specified it is only 0.2% only but I seriously doubt it. Also, there is no policy document of HDFC Click 2 Wealth which is sent to me. I decided to cancel this retirement combo plan before 30 days of free period. Thanks a lot Mandeep for saving my hard earned money. I will share this video to my friends and family who are completely aware of hidden frauds these insurance companies are doing with our hard earned money. Also, personally I choose this ulip plan I do not want to hustle with stock market daily looking the trends but it looks like you have to invest time to earn money and nothing comes easy without learning.
Bro my parents have started 50k yearly lic policies for me when i was in college.. they have paid it for 3-4 years and now it came to me.. now i am trying to become "Jagruk Janta" and want to understand how i can correct my investment. Please make some videos on lic policies.
Maine bhi chaar saal pehle SBI ulip me daal diya tha 😭😭😭 Aur ab ye video dekh ke mera dimaag kharab ho gaya... I just hope, baaki log jagruk ho jao pehle hi...
Don't worry. Every thing has its black side which is not shown to us. ULIPs are good but you must not put most of your saving in it. And beside it you should have Term Insurance. Only mutual fund agents hate ULIPs.
I am happy to share with you a new UNIQUE product which we have introduce in Insurance Industry First Time. Here Are The Benefits::>>>>>> 1> Life Insurance Start With 50 Lac 2> From Age 18 Till 60. 3> Choose Policy Term 30 Or 40 4> Flexibility To Pay 5/10/12/Regular 5> Accident Cover From 50lac Till + 6> Permanent Disability 50lac Till 2cr 7> Hospital Benifit 10lac Till 40lac 8> Criti Care 20lac Till 1cr 9> Major 40 CritiCare Disease Cover 10> 11 Best Fund Options To Select 11> Smart Investment Option 12> Best Funds To Get Best Returns 13> 2 Pakage Option 14> Tax Benefit 15> Most Trusted Brand And I Am Param Rakshakarta Here To Give You Best Service.
Don't go by plain words.....just know that surrendering ulip policy before 5 yrs will attract tax penalty.as it become part of your annual income...so kindly get to know before act on it....
I am happy to share with you a new UNIQUE product which we have introduce in Insurance Industry First Time. Here Are The Benefits::>>>>>> 1> Life Insurance Start With 50 Lac 2> From Age 18 Till 60. 3> Choose Policy Term 30 Or 40 4> Flexibility To Pay 5/10/12/Regular 5> Accident Cover From 50lac Till + 6> Permanent Disability 50lac Till 2cr 7> Hospital Benifit 10lac Till 40lac 8> Criti Care 20lac Till 1cr 9> Major 40 CritiCare Disease Cover 10> 11 Best Fund Options To Select 11> Smart Investment Option 12> Best Funds To Get Best Returns 13> 2 Pakage Option 14> Tax Benefit 15> Most Trusted Brand And I Am Param Rakshakarta Here To Give You Best Service.
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My father just expired and our relatives started recommending different policies and schemes..some one also suggested us ulip thanks to you for making this video now I can definitely say noo to them with facts👍
Iska kuch mat suno, do your own research......ye bhi policy agent see kam nahi hai, in this video also he has not given complete information about ULIPs
Hi I just want to say that ULIP < Mutual Funds + Life insurance. But I had a ULIP plan which gave near about 12% return. I invested 1 lac a year for 5 years (5 lac investment) and on 6th year I got a an amount of 8 lacs. The drawback is of health cover and lock-in period. Returns were pretty Ok and it is not as disastrous as it seems to be.
Bhai aap khud youTube se paisa kamana chahte ho mutual fund me LTCG tax pay karna padta hai life cover nahi milega exit load pay karna padega particular 1 fund hi milega ye sabhi baate bhi batao na
I invested in Bajaj goal assure ulip, in it fund switching is totally free and mortality charges given back at maturity. Then what's the problem with ulip, kuch bhi bolta hai. In mutual fund you can't switch funds but ulip you can switch between large cap to debt fund any time. In India most people invest in ppf then it is good to go with ulip. Just think.
@@vickydandia1327 Why don't people understand , agar tumhe insurance hi chahiye tho 11k mein 1 crore ka ayega, Baaki paisa stocks and debt mein invest karo, and one more thing if ulip's are returning more then it means stocks are doing good again what ever you get in ulip usmein jobi paisa tumhe miltha hain usmein cuttings Mutual funds ke expense ratio se bahuth jyadha hota hain... Ulips are good for people who want others to eat what they earn.. simple!!!
I work for ICICI Prudential. I sold one ULIP plan 8 years ago , my customer called me a week back saying the money isn't increasing at all... After watching this video I am only focusing on Term and Endowment Plans. Thank You Mandeep !
If u work for ICICI prudential, i ahve a question for you.I have ICICI PRUDENTIAL INVESTSHEILD CASHBACK PLAN. Its premium is 15000 yearly. Should i withdraw it or keep it as it is
I am happy to share with you a new UNIQUE product which we have introduce in Insurance Industry First Time. Here Are The Benefits::>>>>>> 1> Life Insurance Start With 50 Lac 2> From Age 18 Till 60. 3> Choose Policy Term 30 Or 40 4> Flexibility To Pay 5/10/12/Regular 5> Accident Cover From 50lac Till + 6> Permanent Disability 50lac Till 2cr 7> Hospital Benifit 10lac Till 40lac 8> Criti Care 20lac Till 1cr 9> Major 40 CritiCare Disease Cover 10> 11 Best Fund Options To Select 11> Smart Investment Option 12> Best Funds To Get Best Returns 13> 2 Pakage Option 14> Tax Benefit 15> Most Trusted Brand And I Am Param Rakshakarta Here To Give You Best Service.
I hope ULIP taken on his name.. Then You make on your name same combination that will of insurance cover as that of ulip through term life and balance amount remaining from ulip premium investing into fund like Mirae Asset Emerging Bluechip growth fund direct plan... Time will teach him a lesson if he is not letting you talk... 😷😷 Show him this video and these comments, he may change his decision and instantly return the product.. Better late than never.. It's your hard earned money, so you yourself need to be cautious for any financial product decision instead of following sheep's way... Best luck and Happy investing !!
@@simran9312 I am doing same, currently I am in free lookup period and asked them to cancel the policy, also filed a complaint to IRDA. Hopefully, everything will go right because I have been totally mislead by Axis Bank employees.
Hey, recently I came across a tata AIA term plan with ulips with 1 cr cover for 60k premium. Can you compare it with simple term plan + MF ... As now ulip policys r changing. Previously, premium was 10*anual income. But now with policies, this is changing. If u can make a video.. many concept can get clarified. Personally I don't prefer ulip but now frnds ask for this newer things so I get a bit confused.
I have the same question, right now for me, pure term plan costs me around 32k, and param rakshak costs me 34-35k for 50 lakh for both, i am so confused right. now.
I am happy to share with you a new UNIQUE product which we have introduce in Insurance Industry First Time. Here Are The Benefits::>>>>>> 1> Life Insurance Start With 50 Lac 2> From Age 18 Till 60. 3> Choose Policy Term 30 Or 40 4> Flexibility To Pay 5/10/12/Regular 5> Accident Cover From 50lac Till + 6> Permanent Disability 50lac Till 2cr 7> Hospital Benifit 10lac Till 40lac 8> Criti Care 20lac Till 1cr 9> Major 40 CritiCare Disease Cover 10> 11 Best Fund Options To Select 11> Smart Investment Option 12> Best Funds To Get Best Returns 13> 2 Pakage Option 14> Tax Benefit 15> Most Trusted Brand And I Am Param Rakshakarta Here To Give You Best Service.
Thanks for this video. After watching this video, I immediately called my parent because he was convinced by an agent for ULIP because of the tax benefits. He asked to pay 1.5 L per annum for 5 years and said he will give insurance of 15 Lakhs to me. Thanks a lot Money minded Mandeep.
There is "TATA AIA Fortune Pro" saving plan with 18% return and 5 yr lock-in period on policy bazaar. Is it good if we take it from investment point of view?
Thanks for sharing the highlights and lowlights of the product...A quick question if someone buys LIC SIIP policy and getting sum assured 10 times of the premium then entire maturity is non taxable however one who invest in mutual fund for same tenure say 15 years will attract LTCG.. thus then LIC SIIP could be a better option??
Had same experience with Tata AIG when I was trying to buy a policy for my nephew. I thought I understood it wrong that the policy was insuring my nephew's life. I asked 3 times to make sure I am understanding it correctly. They also had something interesting. 106% returns in the first year ... with 50% fund allocation. That means 3% returns. Luckily my investment in ULIP has been very-very small.
