Ask an Expert - Your Personal Insurance Advisor

So, what is the question? If you want to know, yes, your investments are quite in order. However, before you opt another plan, you must have optimum coverage for yourself, so that if anything were to happen to you, then your family would not suffer financially at least. 

First take a Term insurance... Read More>>

Of course it is! Why this doubt?

Your Query is: Are Insurance Companies Trustworty?

Well, to answer this question I need to mention certain things. The Insurance Regulatory and Development Authority, IRDA monitors all companies, their polices, rules, etc. Hence there is nothing to worry since the IRDA... Read More>>

Backdating of a policy is a legal thing and is often done on request of the customer. However, if you had not requested for the same, there should be no reason for the same. You can however check with the insurance company for the reason of the same.

You should invest for the purpose of investment and insurance and tax saving is a by product.

Anyways, since you have quite a long horizon for your investment, there are many avenues for the same.

Term Plan coverage Before Child Plan

First and foremost, before you opt a child plan, you must have... Read More>>

Dear Shiv,

• Asked By: shiv kumar pasupleti
• On: 1st Mar 2013
• Answered Within: 1 Days

Dear Venkateswara,

1. There are some good Critical Illness Plans that you can consider but you need to opt separate plans for all insured people. 

National Insurance Critical Illness Policy covers 6 major illnesses and is one of the oldest such policies. The entire sum assured is paid out in lump sum... Read More>>

Dear Ram,

There are many choices and you must consider them according to your requirement. How much coverage you need and how much you wish to pay. National Insurance Mediclaimis a very good choice. It can be taken for family and also can be purchased online by clicking on the "BUY ONLINE" tab on the... Read More>>

The bonus rates of all companies are mentioned in the IRDA Annual Reports. The link of all annual reports are mentioned below:

• Asked By: asd
• On: 21st Feb 2013
• Answered Within: 19 Hours

Dear Somasekhar,

You need to connect with your bank and insurance company for the same as we would not be able to provide any information regarding the same. 

Dear Anuj,

1. Term Coverage: Since you are looking for Pure Term Plan, it makes maximum sense to opt for online plans. Online Term Plans can be purchased online without the intervention of any agent and hence it is much cheaper than offline ones. Among the most popular ones are Aviva iLife, HDFC... Read More>>