Practical guides on insurance, tax planning, and wealth protection - written by Ajay Kumar Poddar.
Showing 1–12 of 13 published articles
LIC endowment plans and PPF both offer tax-free returns and 80C benefits. But they serve different needs. Full comparison with examples to help you choose.
Comparing LIC's two most popular endowment plans - Jeevan Labh (limited pay, higher bonus) vs Jeevan Anand (whole life, survival benefit). Full comparison.
Money-back plans return a portion of Sum Assured every few years. Endowment plans pay everything at maturity. Here is how to choose based on when you need the money.
FDs give 7-8% taxable returns. Insurance plans give 5-6% tax-free returns. In the right tax bracket, insurance wins. Here's the breakeven calculation.
NPS gives equity-linked returns and an extra Rs 50,000 tax deduction. LIC pension gives guaranteed income for life. They solve different problems. Use both if you can.
LIC has government backing and the highest claim settlement ratio. SBI Life has more ULIP options and digital-first products. Here's an honest comparison with no agenda.
Jeevan Anand gives whole life cover even after maturity. Jeevan Labh has a shorter premium payment term. The right choice depends on one key question about your financial goals.
LIC endowment, PPF, and fixed deposits are India's most popular safe savings options. This comparison shows exactly how returns, tax benefits, risk, and protection stack up, so you choose wisely.
Whole life insurance covers you for life and builds cash value. Term insurance is pure protection at the lowest cost. Which is right for your family? Here is the honest comparison.
LIC Dhan Vriddhi is a single premium plan offering guaranteed additions and tax-free Section 10(10D) payouts along with built-in death cover. Compare it against fully taxable bank FD interest rates.
Term insurance offers pure protection at 10x lower premium for the same cover, while endowment plans bundle savings with life insurance. Learn how to allocate your budget effectively between the two.
Star Health offers standalone health plans with over 14,000 cashless hospitals and no-claim bonuses, while LIC focuses on life-health combo protection. Here is my honest comparison of network, claims, and premiums.
Have a specific question?
Ask Poddar Ji - our AI advisor answers instantly in Hindi or English.
Have questions? Ask Poddar JiPremium reminders, market updates, and tips from 31 years of experience. No spam, ever.