28/10/2022
Continuing with our awareness initiative:
Part 14: Retirement Planning
đź”· When beginning our financial journey, we all budget for emergency cash and invest for our wants and needs, but we give our own retirement the lowest priority. We believe we can postpone it for the time being and do it later. However, the time to start saving for retirement never arrives tomorrow; it begins now.
đź”·What Does Retirement Accumulation Cover?
đź’ Estimating Future expenses Post Retirement
đź’ Calculation of the required amount for retirement corpus
đź’ Putting a Savings and Investment Program in Place
đź’ Asset Management
đź’ Creating and managing a retirement income distribution
đź”·Are your children your Retirement Plan?
As parents are retiring at younger ages than in the past and having children at later ages, it frequently happens that their children are still in school or attending college when they retire. Also, parents think setting money aside for children's education, marriage, careers, and other necessities is a wise investment in your future. It's not a good idea to use your child as your retirement fund.
đź”·Power of Compounding in Retirement:
With compound growth, your money increases more quickly the longer your interest has the opportunity to generate interest. As an illustration, if you invest Rs. 9,000 per month for the next 35 years, assuming a return of 14%, you will have Rs.10 crores when you retire.
đź”·Factors to consider for Retirement Corpus:
đź’ Determine how many years you have left until retirement.
đź’ Inflation Pre-Retirement
đź’ Calculate your desired monthly outgoings for retirement.
đź’ Inflation Post-Retirement
đź’ Inflation Post-Retirement
đź”·Retirement Distribution Strategies
đź’ Prevention Method: Reexamine, rework and reduce non-essential spending.
đź’ Protection Method: Longevity, inflation and investments
đź”·The Bucket Strategy
Investors accumulate enough capital in the market to support their retirement years. However, once they are in retirement, many investors are unaware of how to appropriately withdraw money from their accounts. One of the numerous withdrawal techniques that investors might adopt is the retirement bucket strategy.
For more detailed note, follow the link given below.
Stay tuned to the series and feel free to let us know through comments or reaching out to us on our social media accounts about your feedback, suggestions and what you want to know more from us!
Retirement Planning
When beginning our financial journey, we all budget for emergency cash and invest for our wants and needs, but we give our own retirement the lowest priority. We believe we can postpone it for the time being and do it later. However, the time to start saving for retirement never arrives tomorrow; it...
21/10/2022
Continuing with our awareness initiative:
Part 13: Investment Planning for Goals
đź”·Introduction
Aligning your financial objectives with your available investing resources is the process of investment planning. In order to guide you on the types of investment vehicles you can use to multiply your financial assets and achieve these goals and objectives, it is important to first determine your financial goals and objectives. A plan for your investments provides you a sense of direction and purpose.
đź”·Setting up your goals
Creating goals to achieve them is personal and may vary from people to people depending on their needs. For a working student, it might be to pay back the student loan. For a salaried person, it may be to buy a house, car, marriage or wealth generation. The amount and duration of the goal is again dependent on you.
đź”·How to Start an Investment Planning Based on Goals?
A method of investing that is based on your financial objectives is called goal-based investing. It links your savings and investments to a specific objective and aims to instill discipline into your investing approach.
đź’ Analyse the required funds and timeframe
đź’ Consider present costs
đź’ Calculate future costs
đź’ There is no perfect time to begin investing
đź”·How to Approach Goal-Based Investing?
The following stage is to collect the necessary finances after the objectives, deadline, and required sum are known. Therefore, saving up for them is the best course of action.
đź’ Saving on its own is insufficient
đź’ No overarching plan exists
đź’ Cost evaluation is essential
đź”·Where to Invest to reach your goals?
đź’ Direct Equity: Direct equity refers to purchases made on the stock market.
đź’ Mutual Funds: A shared fund into which investors invest their money. The funds invest into bonds, money market instruments, equities, and other similar assets.
đź’ Fixed-Income Securities: Provides guaranteed returns on investment.
đź’ Alternative Investment Fund: A group of pooled investment funds that invest in managed futures, hedge funds, venture capital, private equity, and other sorts of investments.
đź’ Gold: Demand for gold comes from many different places, including as an investment, a reserve asset, jewellery, and a part of technology.
đź”·Investing for short-term goals
đź’ For 2-3 years
đź’ Liquid Funds, Arbitrage Funds, Bank Deposits
đź’ Safety of Capital
đź”·Investing for medium-term goals
đź’ For 3-8 years
đź’ Medium Term Debt or Hybrid Funds
đź’ Capital safety and appreciation of corpus
đź”·Investing for long-term goals
đź’ More than 8 years
đź’ Equity Funds or Aggressive Hybrid Funds
đź’ Beat inflation and provide hefty returns
For more detailed note, follow the link given below.
Stay tuned to the series and feel free to let us know through comments or reaching out to us on our social media accounts about your feedback, suggestions and what you want to know more from us!
Investment Planning for Goals
Aligning your financial objectives with your available investing resources is the process of investment planning. It is the primary element of financial planning, ensuring that your savings are put to use and that you increase your income through investments. In order to guide you on the types of in...
14/10/2022
Continuing with our awareness initiative:
Part 12: Commercial Vehicle Insurance
đź”·Introduction
You and your family members may be able to make a living off of a commercial vehicle. Any accidental damage or theft of this could cause you to suffer significant financial losses or perhaps have to shut down your business. Living with such uncertainties is very risky, so it's necessary to get an insurance policy to reduce the risk and uncertainty. All businesses are required to purchase commercial vehicle insurance for all of their vehicles, including auto-rickshaws, taxis, school buses, tractors, commercial vans, and trucks, among others.
đź”·Why Commercial Vehicle Insurance?
đź’ It will financially shield and defend your company
đź’ Ensures cover and protection if your major line of business involves the use of cars, such as a regular taxi service or a private school bus.
đź’ Required by law to have at least Third-Party Insurance.
đź”·Types of Commercial Vehicles Covered: -
đź’ Passenger Carrying Vehicle: Insurance expressly for vehicles, such as taxis, cabs, auto rickshaws, school buses, private buses, etc., that frequently transport one or more passengers.
đź’ Goods-Carrying Vehicles: Vehicles that often deliver items from one location to another. Trucks, tempos, and lorries are the main examples of them.
đź’ Miscellaneous & Special Vehicles: In addition to trucks, buses, and taxis, there are numerous additional vehicles that are frequently used in and by businesses. Specialized vehicles used in farming, mining, and construction, among other things, may be some of these.
đź”·Add-ons available with Commercial Vehicle Insurance: -
đź’ Consumable Cover
đź’ Depreciation of Parts Protection
đź’ Engine and transmission Protect
đź’ Roadside Assistance
đź’ Loss of Income
đź’ Charges for additional towing
đź’ Protection from EMI
đź’ Coverage for Personal Accidents
đź’ Unnamed PA Cover
đź’ Legal Responsibility
đź’ IMT 23
đź’ Electrical Add-Ons
đź’ Accessories Not Electrical
đź’ Compulsory Deductibles & Special Exclusions
đź”·What is not included?
Equally crucial is understanding what your commercial vehicle insurance policy does not cover so that there are no unpleasant surprises when you file a claim.
For more detailed note on follow the link given below:
Stay tuned to the series and feel free to let us know through comments or reaching out to us on our social media accounts about your feedback, suggestions and what you want to know more from us!
Commercial Vehicle Insurance
You and your family members may be able to make a living off of a commercial vehicle. Any accidental damage or theft of this could cause you to suffer significant financial losses or perhaps have to shut down your business. Living with such uncertainties is very risky, so it's necessary to get an in...
07/10/2022
Continuing with our awareness initiative:
Part 11: Bike Insurance
đź”·Introduction
Two-wheeler insurance, commonly referred to as bike insurance, is a contract between a bike owner and an insurance provider that provides coverage for damages to the bike, a third party, or in some circumstances even the bike owner. In essence, it safeguards the bike owner's finances in case of any unanticipated calamity, such an accident, theft, or a natural disaster.
đź”·Why Is Motor Bike Insurance Required?
Your bike insurance coverage can shield you and your bike from unnecessary costs in a variety of circumstances. Every bike owner in India is required by the Motor Vehicles Act of 1988 to have at the very least a third-party bike insurance coverage. A two-wheeler insurance coverage, however, might be useful in a variety of situations besides that.
đź’ Protection from legal penalties
đź’ Defense against liable third parties
đź’ Financial protection from robbery
đź’ Protection from both natural and man-made calamities
đź’ Personal accident cover
đź”·Types Of Two Wheeler Insurance :-
đź’ Third-Party Liability: They safeguard you against the monetary and legal obligations that result from an accident that damages a third party or their property.
đź’ Own Damage: This bike insurance plan just covers your vehicle. They don't offer protection for harm done to a third party, their bike, or their possessions.
đź’ Comprehensive: It gives protection against monetary losses resulting from third-party liability and damage to your own vehicle.
đź”·Add-on Covers for Two-Wheeler Insurance: -
Choose from a choice of seven distinct bike insurance add-on policies to enhance your comprehensive two-wheeler insurance:
đź’ Depreciation Allowance
đź’ Return-to-Invoice Cover
đź’ Medical Emergency Expenses
đź’ Additional Personal Accident Cover for the Owner-Driver
đź’ Additional Third-Party Property Damage Cover
đź’ Consumables Expenses
đź’ Roadside Assistance
đź”·Factors Affecting the Cost of Bike Insurance
Numerous factors will determine and have an impact on the cost of your two-wheeler insurance:
đź’ Amount of Risk it carries
đź’ Coverage and Type of Insurance Policy
đź’ Age of the two-wheeler
đź’ Make and model of the bike
đź’ NCB or No Claim Bonus
đź’ Geographical location
đź’ Age of the Insured & Driver Record
đź’ Engine type/Cubic capacity
đź’ Safety devices
đź’ Modifications of the bike
đź”·How To Reduce Bike Insurance Premium?
What if we told you there was a method to lower the cost of your bike insurance without sacrificing the coverage provided by the policy? You heard correctly! We have got some tips and trick for you.
For more detailed note on follow the link given below:
Stay tuned to the series and feel free to let us know through comments or reaching out to us on our social media accounts about your feedback, suggestions and what you want to know more from us!
Bike Insurance
Two-wheeler insurance, commonly referred to as bike insurance, is a contract between a bike owner and an insurance provider that provides coverage for damages to the bike, a third party, or in some circumstances even the bike owner. In essence, it safeguards the bike owner's finances in case of any....
03/10/2022
Continuing with our awareness initiative:
Part 10: Car Insurance
đź”·Introduction
Car insurance protects four-wheelers in the event of financial losses brought on by unforeseeable occurrences like accidents and natural disasters. This agreement is typically seen as a piece of paper to be kept in the dashboard of the automobile and only removed in the event that a traffic officer ever requests your papers.
đź”·Why Is Car Insurance Necessary?
To protect you and your vehicle against a variety of circumstances and potential outcomes that could result in monetary losses, you must have car insurance or a four-wheeler coverage.
đź’ Adherence to the law
đź’ Protection from third-party liability
đź’ Protection from theft
đź’ Protection from monetary losses
đź’ Protect yourself against natural disasters
đź’ Coverage for Personal Accidents
đź”·Type of car insurance:-
đź’ Third-Party Liability: They safeguard you against the monetary and legal obligations that result from an accident that damages a third party or their property.
đź’ Own Damage: This motor insurance plan just covers your vehicle. They don't offer protection for harm done to a third party, their car, or their possessions.
đź’ Comprehensive: It gives protection against monetary losses resulting from third-party liability and damage to your own vehicle.
đź”·Car Insurance Add-on Covers
You can increase the level of protection provided by your policy by adding additional benefits to your car insurance or four-wheeler insurance. To name a few are:
đź’ No Claim Bonus Defense
đź’ Roadside Assistance
đź’ Repair of Plastic and Glass Fiber Parts
đź’ Daily Allowance
đź’ Emergency Transport and Hotel Expenses
đź’ Key Replacement
đź’ Engine Secure
đź’ Tyre Safe
đź’ Consumables Expenses
đź’ Personal Property Loss
đź’ Return to Invoice
đź’ Zero Depreciation
đź”·Factors Affecting the Cost of Car Insurance :-
The cost of the four-wheeler insurance coverage is the primary factor considered when buying a car insurance policy. Owner-drivers compare car insurance plans based on the required premium and typically select the one that is least expensive. As a result, you must be aware of the elements influencing the premium if you want to select a car insurance plan that is affordable. Insured Declared Value (IDV), Age of the Vehicle, Insurance Coverage, Add-ons, Engine Capacity, Deductible etc. are some factors to name a few.
For more detailed note on follow the link given below:
Stay tuned to the series and feel free to let us know through comments or reaching out to us on our social media accounts about your feedback, suggestions and what you want to know more from us!
Car Insurance
A contract between a car owner and an insurance provider known as "car insurance" or "four wheeler insurance" provides protection for four-wheelers in the event of financial losses brought on by unforeseeable occurrences like accidents and natural disasters. This agreement is typically seen as a pie...
23/09/2022
Continuing with our awareness initiative:
Part 9: Motor Insurance
đź”·Introduction
Today, almost every Indian household has a car. No matter how cautious they are, bad things could still happen to them and their vehicles. They can have to pay exorbitant repair charges after an accident, robbery, or attempted theft, or they might have to get a brand-new vehicle. You won't have to worry about anything if you have motor insurance. Your motor insurance company will contribute to the cost of any repairs or the cost of the vehicle.
A motor insurance policy, often known as vehicle insurance, protects the owner and/or driver of a vehicle from financial losses in the event that those losses are caused by theft, accidents, or natural disasters.
đź”·Features: -
đź’ Financial Security: The cost of repairs is covered in part by your insurer.
đź’ No-Claim Bonus (NCB): When you go a whole policy year without filing a claim under your motor insurance policy, your insurer will reward you with a No Claim Bonus, or NCB. The benefit is a decreased annual rate for your auto insurance policy.
đź’ Quick Claims: Benefit from a quick and simple cashless claims process.
đź’ Protection Against Damages: Complete damage coverage by a natural disaster, theft, or accidents.
đź’ Third-Party Cover: Third-party responsibility offers the vehicle owner protection in the event that an accident results in injury to or damage to another person or another person's property. To lawfully drive a car on Indian roads, you must have third-party insurance at the very least.
đź’ Customizable Add-Ons: Choose from a selection of up to 13 car insurance add-ons like roadside assistance or NCB protection etc to increase protection.
đź”·Why Should I Buy a Vehicle Insurance Policy?
đź’ Protection from Third-Party Liability
đź’ Security Against Theft
đź’ Financial Cover Against Damages
đź’ Cover Against Natural Calamities
đź’ Cover for Personal Injuries
đź”·Motor Insurance Types: -
đź’ Third-Party Liability: They safeguard you against the monetary and legal obligations that result from an accident that damages a third party or their property.
đź’ Own Damage: This motor insurance plan just covers your vehicle. They don't offer protection for harm done to a third party, their car, or their possessions.
đź’ Comprehensive: It gives protection against monetary losses resulting from third-party liability and damage to your own vehicle.
For more detailed note on follow the link given below:
Stay tuned to the series and feel free to let us know through comments or reaching out to us on our social media accounts about your feedback, suggestions and what you want to know more from us!
Motor Insurance
A motor insurance policy, often known as vehicle insurance, protects the owner and/or driver of a vehicle from financial losses in the event that those losses are caused by theft, accidents, or natural disasters. Your insurance company agrees to split the cost of fixing losses in exchange for regula...
17/09/2022
Continuing with our awareness initiative:
Part 8: Property Insurance
A house insurance policy and a property insurance policy resembles taking two circles—one yellow and one blue—and letting some of their edges overlap to create a green color. The traits shared by both policies are depicted by the green overlapping portion. The yellow and the blue represent characteristics that are dissimilar.
đź”·What is Property Insurance?
The insured and the insurance company are the first and second parties, respectively, in an insurance contract. If a loss occurs under first party coverage, the insured is compensated.
đź”·Characteristics:-
Let's imagine that the blue circle represents property insurance. Commercial buildings, residential properties, boats, and automobiles are all covered by property policies. The property portion of the boat or auto policy is where the driver or boat owner is reimbursed for damage to her own vehicle or vessel. As you can see, a property policy covers more than simply a house.
đź”·Types of Property Insurance:-
💠Renter’s insurance: Offers financial protection if their possessions are harmed by man-made or natural disasters while they are in a rented space.
💠Homeowner’s insurance: Offers you financial assistance for repairs if your personal property is damaged.
đź’ Commercial insurance: Covers only commercial properties, or those utilized for commercial reasons from third-party obligations brought on by your business.
đź’ Fire insurance: Covers both domestic and commercial properties from fire.
đź’ Public liability insurance: Protects you in the event if a third party is injured on your property. It is a requirement for business owners to carry this insurance coverage as per the Environment Protection Act (1986).
đź”·How to choose?
Any person's ambitions can be derailed by a fire or a burglary. Most people work very hard their entire lives and then lose their most valued belongings in tragic circumstances. Therefore, it is crucial to get the appropriate policy based on the kind of property and coverage you require.
đź”·Things to keep in mind:
đź’ Pay attention to how your property's insurance amount is determined; make sure depreciation and the property's reinstatement value have both been taken into consideration.
đź’ Carefully consider the add-ons available and select just those that apply to your property.
đź’ Be sure to declare the correct description and location of your home as the type of neighborhood your home is in affects the premium rate.
đź’ Don't forget to compare various plans, check customer reviews and insurers claim-settlement ratio before buying.
For more detailed note on follow the link given below:
Stay tuned to the series and feel free to let us know through comments or reaching out to us on our social media accounts about your feedback, suggestions and what you want to know more from us!
Property Insurance
Like Mediclaim and health insurance are different so is property and house insurance. A house insurance policy and a property insurance policy have certain differences and some commonalities. It resembles taking two circles—one yellow and one blue—and letting some of their edges overlap to creat...
10/09/2022
Continuing with our awareness initiative:
Part 7: Householders’ Insurance
đź”·Introduction
One of the biggest lifelong investments is a home. To be able to buy one's own home requires a lot of effort—both financially and emotionally. But some dangers can completely ruin our home. Insurance exists where there are dangers. Householders’ insurance can be obtained for the structure or contents or both.
đź”·Characteristics:
đź’ Insurance for Damages: Homeowners insurance covers the structure of your home along with its surroundings and belongings.
💠Covers Structure: Provides defense for the structure’s plumbing, heating, air conditioning, and electrical equipment.
đź’ Additional Structures: Covers the surrounding structures (might not necessarily be attached to the building). Examples include driveways, pools, detached garages, retaining walls, backyard sheds, mailboxes, and fences around the house.
đź’ Possessions and Personal Property: Personal property or the contents of the house are also covered by home insurance policies against various risks and perils.
đź”·A compulsion?
Neither the law nor regulatory bodies like the RBI or IRDAI have made purchasing home insurance necessary. The common misunderstanding is that obtaining home insurance is a must when taking out a mortgage. The truth is that there isn't any such pressure.
đź”·Ideal Cover
Determine the size of the insurance coverage for your home after determining its value. Make a list of all the precious items that, if lost, could cost you money if you decide to buy content insurance. Evaluate their morals. To find out what things are excluded from claims, examine the insurance policy's terms and conditions.
đź”·Check your insurance policy annually
Every year, review your need for home insurance to ensure that it keeps pace with the increase in inflation. As your income and the value of your home's contents change over time, so may your need for the type and amount of home insurance.
đź”·Avoid incorrect information
Keep all pertinent information open and available to the insurance provider. For instance, when providing structure information, you should include the precise structure’s size, height, location, map, and floor plan. If you give information on the contents, be sure to give precise numbers, weights, and sizes, and have your receipts on hand as proof.
đź”·Big cover, small premium
Premium changes on what you cover-structure or valuables or both. For a structure of Rs.40,00,000 and Rs.7,00,000 valuables, premium is around Rs.17,000. Actuals will depend on valuation by professionals.
For more details, follow the link:
Stay tuned! Feel free to let us know on our social media accounts through your feedback and suggestions.
Householders' Insurance
One of the biggest lifelong investments is a home. To be able to buy one's own home requires a lot of effort—both financially and emotionally. But some dangers can completely ruin our home. Insurance exists where there are dangers. There is householders' insurance to cover threats to our homes. Mo...
06/09/2022
Edit of the original post shared a few days ago.
Continuing with our awareness initiative:
Part 3: - Life Insurance
đź”·Introduction
People strive and work hard to fulfill their and family needs yet are slow to plan their family needs after them. One cannot emphasize on the importance of financial freedom if he/she is the sole earner in the family. There isn’t anything that can potentially replace your existence but a life insurance sure can take care of your family needs after you are gone. “Planning and protection to your loved ones” - Life Insurance
đź”·What is life insurance?
A life insurance policy is a contract between a person and an insurance company in which the company (insurer) provides financial protection to the policyholder in exchange for payments (known as premiums). In the event of your death, the insurance company will pay a substantial quantity of money to your family or loved ones. This money should, in theory, when you're no longer the breadwinner, should be able to support your family.
đź”·Ideal Cover
How much money do you require to financially replace yourself? It's a difficult question, and to be honest, it's also subjective. However, there are a few crucial points to keep in mind. To begin with, consider your dependent’s needs (expenses), goals, liabilities less existing life cover and existing assets.
đź”·Ideal Duration
The next question that automatically pops up is the ideal duration? Well, it can vary from person to person and till the age where dependents are no longer financially reliable on you. Although, the general norm is 75-85 years.
đź”·Different types of life insurance
đź’ Term Plans: Pure Insurance
đź’ Unit linked insurance plan (ULIP): Blend of investment and insurance with Equity option
đź’ Endowment Plan: Blend of investment and insurance - mostly without Equity option
đź’ Money-Back: Blend of investment and insurance with regular pay back
đź’ Whole Life Insurance: Blend of investment and insurance with lifelong maturity
đź’ Child Plan: Blend of investment and insurance with special provisions to support children related goals
đź’ Retirement Plan: Blend of investment and insurance with focus on safety and mandatory annuity.
For more detailed note on Life insurance like details of different types and more tips, follow the link given below:
Stay tuned to the series and feel free to let us know through comments or reaching out to us on our social media accounts about your feedback, suggestions and what you want to know more from us!
Stay tuned to the series and feel free to let us know through comments or reaching out to us on our social media accounts about your feedback, suggestions and what you want to know more from us!
Risk Management - Life Insurance
Financial planning is about achieving one’s goal with proper management of their income, expenses, risk and investments. We all talk about investing money into different assets and schemes to achieve our financial goals but shy away from investing into the most principal asset that is we, ourselve...
02/09/2022
Continuing with our awareness initiative:
Part 6 :- Personal Accident/Disability Insurance
Accidents can happen at any time and completely change your life; aside from the obvious emotional and physical effects, they can also leave you with financial obligations. You can be sure of your financial security by using a Personal Accident Insurance Cover to receive a set lump sum figure to cover any additional medical and related costs, as well as any missed income while you are recovering from injury. It protects you from death or disability as a result of an accident.
đź”·Why Opt for Personal Accident Protection?
đź’ Safeguard oneself from any undesirable occurrences.
đź’ Provides relief by the means of lump sum compensation in time of stress.
đź’ Financial assistance in the event of unintentional impairments.
đź’ Reimbursement for lost wages, hospitalization coverage, hospital bill payment, etc.
đź”·Why should you have Personal Accident Insurance with Life or Health Insurance?
Life insurance provides financial benefit in case of death whereas Health Insurance covers your hospitalisation expenses.
Personal accident insurance provides additional coverage for a broader variety of potential accidents or disasters that may occur in our daily lives. It covers the loss of limbs or disabilities caused by accidents while traveling, commuting, at work, due to the hazardous nature of work, or due to external circumstances, among other things. Helps you to build a financially stable atmosphere in case of any unforeseen circumstances.
đź”·Benefits:
đź’ Accidental death - If the insured dies untimely and tragically as a result of an accident, a death benefit will be paid to protect the dependents from financial insecurity.
đź’ Permanent Total Disability - If the insured is entirely incapacitated in a way that is permanent and beyond the capabilities of medicine to treat, he or she will be entitled to a benefit payment.
đź’ Permanent Partial Disability - If the injured is permanently crippled beyond medicine's power to treat, he or she will be entitled to a benefit payment.
đź’ Temporary Total Disability - It stipulates that if the policyholder is rendered totally handicapped, even if it is only for a short time (due to an accident), he or she is entitled to a benefit payment.
đź’ Temporary Partial Disability - If the insured is unable to earn an income through productive labor as a result of an accident, he or she will be qualified for the benefit pay.
đź”·Types:
đź’ Individual Policy: Covers the person to protect himself.
đź’ Group Policy: Often given to groups of people who have something in common, such as their occupation or location.
For more details, follow the link given below:
Stay tuned to the series and feel free to let us know through comments or reaching out to us on our social media accounts about your feedback, suggestions and what you want to know more from us!
Personal Accident/ Disability Insurance
A personal accident policy is a sort of insurance that protects you from death or disability as a result of an accident. The policy pays a lump sum payment to the policyholder's nominee in the event of death due to an accident. Why opt for Personal Accident Protection? A little accident may momentar...
23/09/2022
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