Practical guides on insurance, tax planning, and wealth protection - written by Ajay Kumar Poddar.
Showing 73–84 of 158 published articles
LIC एजेंट बनने में 3 से 4 हफ्ते लगते हैं। कमाई असीमित है। 31 साल के एजेंट के रूप में मैं आपको पूरी सच्चाई बताता हूं, फायदे और मुश्किलें दोनों।
LIC Nivesh Plus is a single premium ULIP with market-linked returns. I explain the charge structure honestly and tell you exactly who should and should not buy it.
Filing a life insurance claim is simpler than most people think, if you know the steps. After helping hundreds of families through this process, here is everything you need to do when the time comes.
LIC पॉलिसी बॉन्ड खोने पर घबराने की जरूरत नहीं। डुप्लीकेट बॉन्ड मिलता है, और यह प्रक्रिया सरल है। पूरी जानकारी यहाँ है।
बच्चे के भविष्य के लिए सही LIC प्लान चुनना मुश्किल लग सकता है। LIC न्यू चिल्ड्रन मनी बैक, जीवन तरुण - कौन सा सही है? 31 वर्षों के अनुभव से सरल जवाब।
Star Health Family Health Optima is the health insurance plan I recommend most to young families in Gorakhpur. One policy covers the entire family under a shared sum insured, with cashless treatment at 14,000+ hospitals. Here is an honest review.
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.
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.
The most common mistake I see is either too little cover (underinsured) or paying for too much (overinsured). Here is the simple calculation I do for every client to find the right cover amount.
LIC Jeevan Shree is a limited premium endowment plan with guaranteed additions. Good for people who want to pay for a shorter term but keep the policy running longer.
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