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  • How can I make sure I am adequately insured?
    As much as one would want to avoid it, it is essential to have a detailed plan discussed with your Insurance advisor. To arrive at the exact amount that one must be insured for there are two things to consider.

    Immediate - Funeral expenses, debts to settle etc.,

    Ongoing – Regular household expenses, loans, children’s education etc., This could be typically the monthly income of the insured that will be required to sustain the household. As a thumb rule, it’s safer to set the sum assured at 5 to 7 times of one’s annual income. With the variables such as inflation, change in lifestyle, increase in education and real estate costs, 5 to 7 times may not be adequate in certain cases. This is why it is essential that one re-evaluates his/her insurance cover every time his income/obligations increase by a significant number.

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The Different types of life insurance Policies in india?

Every one of us dreams of having a perfect, happy future. Yet, we can’t predict

Every one of us dreams of having a perfect, happy future. Yet, we can’t predict what the future will bring. Human life is very precious. You get financially as well as emotionally disturbed when you lose a family member. So, life insurance policies offer a financial sense of peace to your family in your absence..

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