Kiran Kumar

Return of Premium Term Plan — is it really worth it? 🤔

Let’s understand what you’re actually getting.

Take a 30-year-old non-smoker looking for ₹2 crore term insurance for 30 years.

With a Return of Premium term plan:

🔹 Premium: around ₹37,000/year
🔹 Life cover: ₹2 crore
🔹 If you survive the full 30 years: around ₹11 lakh back at maturity

So the attraction is simple:

“If nothing happens to me, at least I get my premiums back.”

Fair enough.

But now compare that with a normal term plan.

🔹 Same ₹2 crore cover
🔹 Same 30-year period
🔹 Premium: around ₹18,000/year

That leaves around ₹19,000 every year.

Instead of paying that extra amount for the Return of Premium feature, what if you invest that difference separately?

At an assumed 8% return, ₹19,000 invested every year for 30 years could potentially grow to around ₹23 lakh.

And if something happens after 20 years, the family still gets the ₹2 crore insurance cover, while the separate investment could potentially be around ₹10 lakh.

So I’m not saying Return of Premium is bad.

If getting your premiums back is important to you, it’s an option.

But before choosing it, ask yourself:

“Do I want the insurance company to return my premium later, or would I rather keep the same insurance protection and invest the difference myself?”

Compare the numbers. Then make your decision.

Illustrations only. 8% investment return is assumed and not guaranteed. Actual premiums, benefits and investment returns depend on the specific product and circumstances.

ULIP = Wealth Destroyer? 🤔

We often hear, “ULIPs are a wealth destroyer.”

But can we really make such a blanket statement?

In this video, I’ve put the numbers on the table and compared ULIP returns with ELSS to look at the question from a different perspective.

Because a financial product shouldn’t be judged only by its name.

The product, charges, fund choice, time horizon and how it is sold all matter.

Does that mean every ULIP is a good investment? Absolutely not.

But does every ULIP deserve to be called a “wealth destroyer”?

That’s the question.

What’s your view? 👇

Investment PersonalFinanceIndia FinancialPlanning WealthCreation FinancialAwareness MoneyMatters Investing

India became independent from British rule in 1947.

But India’s story didn’t begin there.

The land we call India today carries thousands of years of civilisation, knowledge, culture, ideas and change.

1947 was a new chapter — not the beginning.

And today, we carry everything that came before us… while deciding what comes next.

Happy Independence Day 🇮🇳

IndependenceDay2026 IndiaStory

Can you get ₹1 Crore health cover at an affordable premium? 👀

Here’s an approximate example:

₹10L Regular Policy: ~₹18,000
₹90L Super Top-Up: ~₹5,000
Total Premium: ~₹23,000

For comparison, a ₹1 Crore base policy: ~₹41,000.

That’s approximately ₹18,000 less in premium in this example.

And if the hospital bill goes above ₹10L, the first policy covers ₹10L and the super top-up can take care of the amount above ₹10L, subject to the policy terms.

Note: These are approximate figures based on an example from one insurance company’s product/quotation. Actual premiums, coverage and benefits may vary.

This Reel is for general educational purposes only. Please check the policy terms and conditions before making a decision.

Follow me for more simple insurance ideas.

How many days does a mutual fund investment actually remain in the negative?

I analysed one mutual fund with more than 15 years of history to find the answer.

The results were surprising.

⚠️ Disclaimer: This analysis is based on one mutual fund and is for educational purposes only. Every mutual fund is different. Please do your own research before investing.

❤️ Had a Heart Attack, Angioplasty, or Bypass Surgery?

Many people assume they can no longer buy health insurance after a heart-related medical condition.

The reality is, every case is different.

Your eligibility and waiting period may depend on factors such as:
✅ Your medical history
✅ Underwriting assessment
✅ The policy you choose

Don’t reject yourself before your case is evaluated.

If you’re unsure whether you’re eligible, send me a DM. I’ll help you understand your options and guide you through the process.

📩 Let’s discuss your options.

⸻

Disclaimer: This post is for educational purposes only. Policy issuance, waiting periods, and acceptance are subject to underwriting, medical history, policy terms, and the insurer’s approval. Terms & Conditions apply.

She never asked how her college fees were paid.

She simply lived her dream.

Behind every milestone is someone who planned for it long before the day arrived.

A term insurance plan isn’t about you.
It’s about the people whose dreams continue because of your decisions today.

Love doesn’t end.
Protection shouldn’t either.

DM to discuss.

Would your health insurance help with maternity expenses? 🤔

Many people assume it won’t.

But the right comprehensive health insurance can include:

✨ Up to ₹3,00,000 Maternity Cover*

✔ Normal Delivery
✔ C-Section Delivery
✔ Pre & Post Natal Care
✔ Newborn Baby Cover

Planning for a baby? Start planning your health insurance early.

📩 DM me to know more.

Terms & Conditions Apply. Maternity benefits, eligibility, waiting period, and coverage are subject to policy terms and conditions.

𝗛𝗘𝗔𝗟𝗧𝗛 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘: 𝗪𝗛𝗔𝗧 𝗬𝗢𝗨𝗥 𝗣𝗢𝗟𝗜𝗖𝗬 𝗪𝗜𝗟𝗟 𝗡𝗘𝗩𝗘𝗥 𝗖𝗢𝗩𝗘𝗥 | 𝗣𝗔𝗥𝗧 4

🚫 Think your health insurance covers every hospital bill?

When it comes to alcohol and substance abuse, many policyholders are surprised to learn that health insurance has strict exclusions.

Generally, expenses arising from alcoholism, drug or substance abuse, and treatment for addictive conditions are not covered under health insurance policies.

Understanding what your policy doesn’t cover is just as important as understanding what it does cover.

❌ Don’t assume every hospitalization is covered.

✅ Know your exclusions before you need to make a claim.

👇 Were you aware that alcohol and substance abuse-related treatments are generally excluded under health insurance?

🚀 Follow Kiran Kumar Y for more straight talk on health insurance.

📩 Have questions about your policy? Feel free to DM for a professional review.

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Disclaimer:

Insurance is the subject matter of solicitation. The information provided is for educational purposes only. Coverage, exclusions, and claim admissibility are subject to insurer-specific policy terms, conditions, and underwriting guidelines. Please read the policy document carefully for complete details. For more information on consumer awareness and guidelines, visit www.irdai.gov.in.

𝗛𝗘𝗔𝗟𝗧𝗛 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘: 𝗪𝗛𝗔𝗧 𝗬𝗢𝗨𝗥 𝗣𝗢𝗟𝗜𝗖𝗬 𝗪𝗜𝗟𝗟 𝗡𝗘𝗩𝗘𝗥 𝗖𝗢𝗩𝗘𝗥 | 𝗣𝗔𝗥𝗧 3

🚫 Think your health insurance covers every surgery?

Imagine two people undergoing the same surgery.

One person’s claim is accepted.

The other person’s claim is rejected.

How is that possible?

Because when it comes to cosmetic and plastic surgery, it’s not the procedure itself that matters…

it’s the reason behind the procedure.

Generally, surgeries performed purely to improve appearance are not covered under health insurance.

However, reconstructive procedures following an accident, burns, cancer treatment, or surgeries performed to address an immediate health risk may be covered, subject to medical necessity and policy terms.

❌ Don’t assume every surgery is covered.

✅ Understand why the surgery is being performed.

👇 Were you aware that the same surgery can lead to completely different claim outcomes?

🚀 Follow Kiran Kumar Y for more straight talk on health insurance.

📩 Have questions about your policy? Feel free to DM for a professional review.

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Disclaimer:

Insurance is the subject matter of solicitation. The information provided is for educational purposes only. Coverage, exclusions, and claim admissibility are subject to insurer-specific policy terms, conditions, and medical necessity. Please read the policy document carefully for complete details. For more information on consumer awareness and guidelines, visit www.irdai.gov.in.