Insurednow

🎉 **A decade of protection, trust, and peace of mind!** 🥳

Ten years ago, **Insurednow** was born with a clear mission: to safeguard what matters most to families and businesses. Today, we are proud to celebrate **10 years of dedicated service in the insurance industry!**
Reflecting on this milestone, our journey wouldn't have been possible without our amazing clients, partners, and well-wishers.

Thank you for placing your trust in us to secure your financial future and protect your loved ones.

As we look to the next decade, our commitment to providing thoughtful, reliable, and personalized insurance advice remains stronger than ever.

Here’s to many more years of
**Insuring Lives and Ensuring Smiles!** 😊

💼 **Mohit Malhotra**
📍 IRDAI Certified Insurance Advisor | Insurednow
📞 **Contact:** +91 98724 81839

# 💰 ₹50 Lakhs Retirement Income Strategy
# # 🛡️ LIC Jeevan Shanti vs 📈 Mutual Fund SWP

# # # 📋 Assumptions
💵 Investment Amount: **₹50,00,000**
⏳ Income Starts: **After 1 Year**
💸 Annual Income: **₹3,00,000 (6%)**
📈 Expected SWP Return: **12.62% p.a.**

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# # 🛡️ LIC Jeevan Shanti

✅ 🔒 Guaranteed Lifetime Income
✅ 🛡️ No Market Risk
✅ 👨‍👩‍👧 Return of Purchase Price Option
✅ 😌 Peace of Mind & Predictability
✅ 📜 Backed by LIC

⚠️ 💧 Limited Liquidity
⚠️ 📉 Lower Wealth Creation Potential

🎯 **Best For:** Retirees seeking safety, certainty, and regular income.

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# # 📈 Mutual Fund SWP

✅ 💸 Regular Income Through Withdrawals
✅ 🚀 Potential for Capital Growth
✅ 💧 High Liquidity & Flexibility
✅ 👨‍👩‍👧 Remaining Corpus Passes to Heirs
✅ 📊 Opportunity to Beat Inflation

⚠️ 📉 Market Volatility
⚠️ ❌ Income Not Guaranteed

🎯 **Best For:** Investors seeking income plus long-term wealth creation.

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# # ⚖️ Side-by-Side Comparison

| Feature | 🛡️ LIC Jeevan Shanti | 📈 SWP |
|----------|---------------------|--------|
| 💸 Annual Income | ✅ Guaranteed | ✅ Withdrawal-Based |
| 📈 Wealth Growth | ❌ Limited | ✅ Potentially Higher |
| 💧 Liquidity | ⚠️ Low | ✅ High |
| 🛡️ Safety | ✅ Very High | ⚠️ Market Linked |
| 🔄 Flexibility | ❌ Limited | ✅ Flexible |
| 👨‍👩‍👧 Legacy Value | ✅ Purchase Price Option | ✅ Remaining Corpus |

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# # 🎯 Key Takeaway

🛡️ **Want certainty? Choose LIC Jeevan Shanti.**

📈 **Want growth + income? Choose SWP.**

⭐ **Smart retirees often combine both:**
🛡️ Secure essential expenses through annuity + 📈 invest surplus for growth through SWP.

> 💡 **"Security gives Peace of Mind. Growth creates Financial Freedom. A balanced retirement plan can deliver both."**

⚠️ *Illustration only. SWP returns of 12.62% are assumed and not guaranteed. Mutual fund investments are subject to market risks.*

Regards
Mohit Malhotra
9872481839
ARN 345801
SEBI and AMFI Registered Mutual fund Distrbutor and IRDAI Certified Insurance Advisor

Why Term Insurance plus SIP is better than Sukanya Samridhi Yojna?

Sukanya Samridhi Yojna vs SIP for a 1-Year-Old Daughter (₹12,500/month)
✅ Sukanya Samriddhi Yojana (SSY)
•Invest: ₹1.5 lakh/year for 15 years
•Total Investment: ₹22.5 lakh
•Maturity Value (21 years): ~₹71.8 lakh
•Tax Benefit: EEE (investment, interest & maturity all tax-free)
•Risk: Very Low (Govt. backed)

✅ SIP in Equity Mutual Funds (Assuming 12.62% annual return)
•Invest: ₹12,500/month for 20 years
•Total Investment: ₹30 lakh
•Expected Corpus: ~₹1.36 crore
•Estimated LTCG Tax: ~₹13.1 lakh
•Net Corpus After Tax: ~₹1.23 crore

📊 Result
•SSY Corpus: ₹71.8 lakh (tax-free)
•SIP Corpus: ₹1.23 crore (after tax)

💡 Even after paying capital gains tax, SIP is expected to generate about 71% higher corpus than SSY, assuming the return of 12.62% is achieved consistently.

*🎯 Best Strategy: But term insurance of 1 crore for your family financial protection by paying annual premium of 12795/- annually.*

Note: SIP returns are market-linked and not guaranteed. Tax laws and SSY interest rates may change in the future.

Regards
Mohit Malhotra
+91-9872481839
ARN No.345801
SEBI and AMFI Registered Mutual Fund Distributor
IRDAI Registered Insurance Agent

💰 The Difference Between a Need, Want, and Desire Can Change Your Financial Future
Most financial stress doesn't come from a lack of income—it comes from spending money on things we don't truly need.
Here's a simple framework:

✅ Need – Essential for survival, health, work, and basic living.
Examples: Food, rent, utilities, healthcare.

👍 Want – Improves comfort and convenience.
Examples: Dining out, premium subscriptions, upgraded gadgets.

🔥 Desire – Strong emotional craving often influenced by trends, status, or impulse.
Examples: Luxury items, designer brands, the latest phone when your current one works fine.
Before making a purchase, ask yourself:
✔️ Do I genuinely need this?
✔️ Do I already own something that serves the same purpose?
✔️ Will delaying this purchase create a real problem?
✔️ Can I buy it without affecting my savings goals?

A smart budget follows this order:
Needs → Savings → Wants → Desires
When you start purchasing based on needs instead of impulses, you naturally: • Spend less
• Save more
• Avoid debt
• Build wealth faster
• Feel less financial stress

📌 Remember:
Never spend on a desire before your needs are covered and your savings goals are funded.
Financial freedom grows when purchases are guided by needs and values—not momentary desires.

🛡️ Term Plus ULIP (Market Linked Plan) 📈
Why choose between protection and wealth creation when you can have both?
✅ Pay ₹1 Lakh per year for 12 Years
✅ Policy Term – 30 Years
✅ Illustrative Corpus – ₹1 Crore at Age 60*
Protection Benefits: 🔹 Natural Death Cover – ₹1 Crore
🔹 Accidental Death Cover – ₹1 Crore
🔹 Disability Cover – ₹80 Lakhs
💰 Potential market-linked growth
💰 Tax-efficient benefits
💰 Long-term financial security for your family
📞 Mohit Malhotra
IRDAI Certified Insurance Advisor
📱 9872481839
Disclaimer: Maturity value is subject to market performance. Illustration shown is for a person aged 30 years.