The Bank Counter Selling You ‘A Better FD’ Has a Sales Target Too
Banks drew over 12,000 insurance mis-selling complaints in a single year. The specific phrases that should make you…
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Category: India
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Rs 1 Crore of Cover for the Same Premium as Rs 10-25 Lakh — Term vs the Endowment You Were Actually Offered
Same monthly outlay, 8-10x less cover through an endowment plan. See the real gap in sum assured, and…
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Your Sum Assured Is Quietly Losing Value Every Year — Here’s the Real Gap
The average Indian holds life cover of just 3.1x income against a recommended 10x. A fixed sum assured…
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A ULIP Is an Investment Fund Wearing an Insurance Costume — Here’s Every Charge
Premium allocation charges, mortality charges, fund management fees -- see exactly where a Rs 1 lakh ULIP premium…
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Stop Paying Your Policy in Year One and You Get Back Rs 0 — The Real Surrender Value Table
IRDAI's actual guaranteed surrender value schedule, year by year, in rupees -- and why so many policyholders lose…
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Your Agent’s Commission Is Up to 40% of Year One’s Premium — Here’s the Real Math
IRDAI removed the commission cap in 2023. See exactly what a term plan pays an agent versus a…
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If You Already Have Rs 10 Lakh in Savings, Do You Still Need That Insurance Plan?
Life insurance replaces income for people who depend on you. Once you've built real savings, the product being…
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The 80C Industry Lost Its Reason to Exist. Nobody Told the Sales Calls.
On the new regime, 'save Rs 46,800' saves you zero. Run both regimes before January sells you another…
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Indexation Removed: Taxed on Gains That Were Only Inflation
Sell at a real loss, pay Rs 12.5 lakh anyway. What the 2024 change did, the grandfathering that…
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Your EPF Interest Arrives Fashionably Late — and It Costs You
Declared in March, credited whenever. Late interest misses its own compounding: Rs 2 lakh across a career of…