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Special needs children can present exceptional challenges for parents. One being, ensuring your child is financially secure and looked after you have left. As any parent knows it can be both rewarding and challenging to raise a family. Nevertheless, caring for a child with such needs requires a devotional degree and commitment that can be overwhelming at times. Parents may feel frustrated and alone as they seek information, understanding and the help they desperately need. Life insurance is one of the most stunning financial instruments available to you and your family. By far, life insurance is the best way to turn pennies into dollars when your loved ones are most in need of it. If you buy a term life policy or a full life policy, getting life insurance that is in place when you die is the secret to providing your family with financial security. How does a child with special needs use life insurance? Once that life insurance is acquired, the next step is to create a Speci...

Women today are more socially motivated and work hand in hand with their husbands to meet their needs and give their children a better future. Over two-thirds of India’s women are family breadwinners or co-breadwinners. But they are able to let the men in the family take over when it comes to their financial planning. Unfortunately, as far as the house ladies are concerned, the attitude towards money is still pretty much the same as it was decades ago. Working women need to know that if they share all other family responsibilities, they also need to come up with some smart financial planning that can help them protect their lives against uncertainties that can affect their financial status. In all facets of life, women have broken barriers-whether it’s the glass ceiling in the corporate world or international records in various sectors. In terms of investment, however, women in India have been rather hesitant to deviate from conventional forms of investment such as gold and bank...

A cash-back policy is a system that returns money at regular intervals. During the duration of the contract, this cashback is paid and is a proportion of the Amount Assured. Pay-outs for money-back are considered survival benefits. Such incentives will be accrued during the lifetime of the contract and the remaining Amount Assured will be compensated along with accumulated bonuses upon maturity. If the insured dies during the lifetime of the contract, however, the full Amount Assured will be paid regardless of the recovery benefits already accrued. This is the unique feature of the program. Some of Money Back Policy’s key features are: The Survival Profit is calculated as a percentage of the guaranteed total. During the lifetime of the program, longevity benefits are paid at regular intervals. When the benefits are paid, there is a set period. Every program has a different structure of payouts. Likewise, there is also no fixed percentage of Amount Assured char...

Someone rightly said, "Raising a kid is not the play of a kid." They were probably referring to the increasing cost of education. You know, IITs increased their undergraduate education charges from Rs 90,000/-p.a. in 2017. Rs 2,00,000/-p.a.Similarly, the fee for IIM-Ahmedabad's two-year flagship diploma program for the 2018 class was Rs 19.5 lakh. This is 400 percent more than what the 2007 B-school charged. If the leadership course charges continue to increase by 20 percent every year, it would affect Rs 95 lakh by 2025.These are also the expenses you pay for receiving admission to the required vocation / stream. But to get entry for these coveted seats, coaching starts much in advance. These days, parents are sending their children themselves for engineering and medical entrance training from age 13-14 to give them the additional edge required to fight the intense competition. Coaching courses pay about Rs 80,000-1,00,000/- per year. Interestingly, the price of co...

This is because health is still a personal concern rather than a public concern in our country. Although the government has established many government hospitals where expenses are low, these hospitals may lack the necessary facilities and staff several times.Medical emergencies are costly. If you experience a medical emergency without insurance, it's simple to discover yourself in heavy debt with apparently no manner out of the mess. Our nation is struggling with several issues, the population is burgeoning by the day, and our nation is still far from becoming a place where every citizen receives free health care regardless of the sort of medical condition. Health insurance has become a requirement in today's moment. Most individuals in their twenties feel secure and comparatively healthy and choose to go without health insurance. Do not create this error and begin looking for a nice and low-cost insurance now. What has the Government done to Promote Health Insurance? Th...

Women generally tend to procrastinate when it comes to making financial decisions about their own selves. They are so busy with home and office juggling, they tend to forget themselves. But it is essential for them to think deeply about themselves. Considering the uncertainties of life, it is essential for them to make economic provisions. Life is unpredictable and that’s where the function of insurance comes into the image. Why not give your wife the safety of her lives and savings. In this blog, we focus on four significant insurance schemes that must be component of a women’s economic kitty to guarantee that they are emotionally and financially ready against life odds coming their way in the form of premature death, illness, disease or ancient age. Term Insurance Plan In this blog, we focus on four significant insurance schemes that must be component of a women’s economic kitty to guarantee that they are emotionally and financially ready against life odds coming...

LIC New Jeevan Anand is one of LIC's best-selling endowment plans, offering risk cover even after the maturity of up to 100 years old. But is it really good because your insurance agent has tried to sell it for you, or your partner has suggested you go for it, or because you have to take out an insurance policy? For whom is this policy really intended? When is the perfect time for buying it? Insurance is for anyone who purchases. However, with no previous research, it is not something to be thoughtlessly purchased. People are always stirred up by what insurance they should be going for when they think about Term Insurance and other insurance products. Term Insurance is consistently suggested as it is the "genuine frame" of insurance. People buy money back plans and other savings plans are planning to multiply their money over time. Be that as it may, there would be a huge financial burden on the family if the family provider expires. A term of protection is there...