Practical guides on insurance, tax planning, and wealth protection - written by Ajay Kumar Poddar.
Showing 13–24 of 24 published articles
Single premium means one large payment upfront. Regular premium spreads cost over years. The math usually favors regular premium, but single premium has real advantages in specific situations.
People often ask me whether they should buy health insurance or life insurance first. The honest answer: you need both, and they solve completely different problems. Here is how to think about it.
Pradhan Mantri Jeevan Jyoti Bima Yojana offers Rs 2 lakh cover at Rs 436/year. But is it enough? We compare it with LIC term plans for real protection.
LIC Tech Term is online-only and cheaper. Jeevan Amar has more flexibility and offline access. Complete feature-by-feature comparison for 2026.
LIC Jeevan Umang pays 8% of Sum Assured as annual income for life after premium-paying term, plus full Sum Assured on maturity or death. Here is my honest breakdown after selling hundreds of these policies.
Government employees have stable salaries and existing pension coverage, which changes the insurance calculation significantly. Here's how I advise sarkari employees in Gorakhpur on building the right coverage.
Term insurance sabse sasti aur seedhi life insurance hai. Ek chhoti premium mein badi suraksha milti hai. Yahan samjhaate hain kya hai, kise chahiye, aur kitna lena chahiye.
Marriage is the moment most people need to rethink their insurance. Your spouse now depends on your income, and your family just doubled in size. Here's the complete insurance checklist for newly married couples.
Marriage is the best time to start insurance planning. A term plan, joint health cover, and a savings plan for future goals - here is the ideal starter portfolio.
LIC सरकारी है इसलिए ज्यादा भरोसेमंद है - लेकिन प्राइवेट इंश्योरेंस के भी फायदे हैं। दोनों की तुलना।
After 31 years of advising families in Gorakhpur, I have seen the same insurance mistakes repeated over and over. Here are the top 10 and how to avoid them.
LIC settled 98.76% of death claims in 2024-25 - the highest in the industry. Here is what you must know before choosing an insurer.
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