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Life Insurance & Financial Planning Insights

Expert articles on life insurance, savings, protection plans, and financial planning to support long-term financial decisions.

Recent Blogs

234C of Income Tax Act, 234A, and 234B Explained

Tax on Income Interest Under Sections 234A, 234B & 234C of IT Act

23 July '26
9126 Views
13 minute read
Understand tax on interest income and how interest under Sections 234A, 234B & 234C works, plus links to deductions like Sec 24 & Sec 80E for salaried taxpayers in Income Tax Act of India.
Read More
Tax Saving
surcharge on income tax

Income Tax Surcharge FY 2026-27: Rates & Marginal Relief Explained

23 July '26
4424 Views
9 minute read
Understand surcharge rates, income slabs & marginal relief calculation with practical examples for FY 2026-27.
Read More
Tax Saving
What Is ULIP

What Is ULIP Plan? Full Form, Meaning & Benefits (2026)

23 July '26
1936 Views
7 minute read
What is ULIP? Learn its meaning, full form, benefits & why investors choose ULIPs for tax savings and long-term wealth creation.
Read More
Ulip
How Do I File Income Tax In India?

How Do I File Income Tax in India? Simple Guide

23 July '26
2406 Views
11 minute read
Learn how to file income tax in India step by step. A simple guide to make tax filing easy and stress-free for salaried and self-employed.
Read More
Tax Saving
Single Premium Term Insurance

Single Premium Term Insurance - Understand the Benefits

22 July '26
896 Views
6 minute read
Single premium term insurance plans have been gaining popularity. Here is everything you need to know about single premium term insurance.
Read More
Term Insurance
How to Choose ULIP Funds

How to Choose ULIP Funds: Types, Risk Profile & Strategy

22 July '26
292 Views
7 minute read
Know how to choose ULIP funds based on risk profile, fund types & investment goals for better returns.
Read More
Ulip
Reimagining Life Insurance Journey With Intelligent Underwriting Thum Desktop

A Simpler Way to Buy Life Insurance Starts with Smarter Underwriting

22 July '26
27 Views
6 minute read
Discover how AI-powered underwriting is making life insurance faster, simpler, and more customer-friendly with smarter, automated decisions.
Read More
Life Insurance
Benefits of Gifting Life Insurance Cover to Your Spouse

5 Benefits of Gifting Life Insurance Cover to Your Spouse

09 July '26
1100 Views
8 minute read
Discover how gifting life insurance to your spouse supports financial security, protection and long-term family planning.
Read More
Life Insurance
Compare Whole Life Plan vs Term Life Cover

Do You Need a Whole Life Plan or Is Term Life Cover Enough?

09 July '26
1894 Views
5 minute read
Not sure whether whole life or term life cover is right for you? Get a complete comparison of both & find out which plan best suits your financial goals.
Read More
Term Insurance
Is ULIP a Good Investment for Short-Term Gains?

Is ULIP a Good Investment for Short-Term Gains?

09 July '26
2201 Views
7 minute read
Discover whether ULIPs are suitable for short-term investment goals and understand the risks, returns and lock-in period.
Read More
Ulip
How to Secure Your Future with Whole Life Insurance?

How to Secure Your Future with Whole Life Insurance?

09 July '26
1025 Views
6 minute read
Discover how whole life insurance provides lifelong coverage and helps support long-term financial planning goals.
Read More
Life Insurance
health-insurance-for-hiv-positive-individuals

Health Insurance for HIV-Positive Individuals: Coverage Guide

09 July '26
94 Views
5 minute read
Learn how health insurance plans support HIV-positive individuals with coverage options, eligibility and policy benefits.
Read More
Health Plan
protect-your-dependents-from-financial-liabilities

Does Term Insurance Cover Citizenship Change?

09 July '26
929 Views
8 minute read
Planning to move abroad or change your citizenship? Learn if your term insurance plan remains valid, the key conditions, and the factors you must know.
Read More
Term Insurance
Cancel Gst Registration Thum Desktop

How to Cancel GST Registration Online in 2026?

09 July '26
1116 Views
8 minute read
Learn how to cancel GST registration online, required documents and important steps involved in the process.
Read More
Tax Saving
Double Your Money with Smart Investment Options

How to Double Your Money with Smart Investment Options?

09 July '26
1008 Views
7 minute read
Explore smart investment options that can help grow your money through disciplined financial planning and long-term investing.
Read More
Personal Finance
Wealth Management Thum Desktop

Wealth Management: A Guide to Build and Protect Your Assets

08 July '26
2682 Views
10 minute read
Learn about wealth management, its importance, and how it helps you grow, preserve, and transfer your wealth effectively. Discover key strategies and benefits.
Read More
Financial Planning
Short Term Investment Plans Thum Desktop

Best Short-Term Investment Options with High Returns in 2026

08 July '26
1360 Views
12 minute read
Best Short-Term Investment Options in India. Find the top 10 short-term investment options with high returns for a short time.
Read More
Life Insurance
Persistency In Insuarance Thum Desktop

Persistency Ratio in Insurance: Meaning and Importance

08 July '26
2867 Views
10 minute read
Know what the persistency ratio in insurance means, how it is calculated, why it matters for insurers and policyholders, and what it indicates about policy performance.
Read More
Life Insurance
How Insurance Companies Make Money Thum Desktop

What is Deductible in a Life Insurance Plan?

08 July '26
1410 Views
8 minute read
Learn what is deductible in a life insurance plan and how it impacts your coverage. Get expert insights and guidance from Canara HSBC Life Insurance for better planning.
Read More
Life Insurance
ESIC Scheme

What is ESIC? Employees' State Insurance Corporation Explained

08 July '26
3915 Views
15 minute read
Want to know about ESIC? Learn what Employees' State Insurance Corporation is, its benefits, eligibility & coverage for salaried employees in India.
Read More
Saving Plan
2 Crore Term Insurance Plan

How Does a 2 Crore Term Insurance Plan Works?

08 July '26
900 Views
5 minute read
As per your needs, you can buy a term insurance plan online with high coverage of INR 1 crore, INR 2 crore, or even INR 5 crore. Learn how much does a 2 crore term life insurance plan cost.
Read More
Term Insurance
Importance Of Taxes Thum Desktop

Taxation of Interest on EPF Contribution: All You Need to Know

08 July '26
1820 Views
7 minute read
Learn how to calculate taxable interest on provident fund (EPF) contributions to maximize your savings. Understand the EPF interest rate and its tax benefits.
Read More
Tax Saving
what-is-long-term-capital-gains-tax-in-india

Long Term Capital Gains Tax in India - LTCG Tax & Rates

08 July '26
4935 Views
12 minute read
Learn Long-Term Capital Gains Tax in India for 2025-26. Learn about tax implications, exemptions, and investment strategies to secure your financial future.
Read More
Tax Saving
Importance Of Taxes Thum Desktop

Section 24 Income Tax Act: Its Exemptions and Deduction Limits

08 July '26
923 Views
4 minute read
Explore Section 24 of the Income Tax Act, its exemptions, and deduction limits. Stay informed and make smart tax decisions with Canara HSBC Life Insurance.
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Tax Saving
Importance Of Taxes Thum Desktop

What is Policy Term in Insurance? Meaning & Importance

08 July '26
6251 Views
5 minute read
Policy term impacts your life insurance benefits and coverage. Terms vary across policies, so choose wisely. Understand its importance with Canara HSBC Life Insurance.
Read More
Term Insurance
Zero Cost Term Insurance

What is Zero Cost Term Insurance and How Does It Work?

08 July '26
1415 Views
11 minute read
Understand what zero cost term insurance means, how premium refund works, eligibility conditions, benefits, limitations, and whether this option suits long-term protection needs.
Read More
Term Insurance
Types Of Financial Planning Thum Desktop

Net Present Value (NPV): Full Form, Meaning & Formula

08 July '26
3909 Views
10 minute read
Net Present Value (NPV) measures an investment's total value and profitability. Learn how NPV helps in investment planning with Canara HSBC Life Insurance.
Read More
Financial Planning
Types Of Financial Planning Thum Desktop

Personal Finance: Definition, Meaning, Importance & Tips

08 July '26
1329 Views
10 minute read
Learn the basics of personal finance, including saving, investing, insurance and budgeting, to manage money better and build long-term financial security.
Read More
Financial Planning
What To Do If You Have No Dependents Thum Desktop

How to File EPF Complaints Online & Track Status Easily?

08 July '26
914 Views
7 minute read
Discover the online process to file EPF complaints and track status. Understand required details, common issues, resolution timelines & how to escalate if needed.
Read More
Retirement Plan
Tax Implications Of Surrendering Insurance Policy Thum Desktop

New vs Old Tax Regime FY 2025-26: Salary Break-Even Guide

08 July '26
1342 Views
11 minute read
Compare new vs old tax regime for FY 2025-26. Understand salary break-even points, deductions, and benefits to choose the right regime for your income.
Read More
Tax Saving
How To Budget For A Dream Vacation Thum Desktop

LTA Tax Benefits Explained: Claim Leave Travel Allowance Smartly

08 July '26
852 Views
6 minute read
Discover how Leave Travel Allowance (LTA) helps you save tax on domestic travel. Learn eligibility, exemption limits, and how to file claims under Section 10(5).
Read More
Tax Saving
What Is Cgst Thum Desktop

What is CGST? Meaning, Rates & Features Explained

08 July '26
1266 Views
7 minute read
Learn what CGST means, its full form, key features, tax rates, and how Central GST is applied under India’s GST framework.
Read More
Tax Saving
VAT vs GST: Key Differences You Should Know

VAT vs GST: Key Differences You Should Know

08 July '26
989 Views
7 minute read
Understanding the key differences between VAT and GST is crucial today. Learn how both impact your expenses, savings, and financial well-being in India.
Read More
Personal Finance
Sukanya Samriddhi Yojana Thum Desktop

Sukanya Samriddhi Yojana 2026: Interest Rate, Calculator & Benefits

07 July '26
6887 Views
15 minute read
Check latest SSY interest rates, eligibility, tax benefits, maturity amount & Sukanya Samriddhi calculator for 2026.
Read More
Child Plan
Types Of Financial Planning Thum Desktop

What is Recurring Deposit (RD)? Meaning & Features

07 July '26
1906 Views
7 minute read
Recurring deposits are a popular investment choice that helps in building your savings. You can choose to put the money in a lump sum or monthly to meet your financial goals over a period of time.
Read More
Financial Planning
What is Insurance

What is Insurance? Meaning, Types & Benefits Explained (2026)

07 July '26
9341 Views
10 minute read
Understand insurance meaning, types, benefits & why insurance is important for financial security in India.
Read More
Life Insurance
GST Portal Login Guide

GST Portal Login Guide: Step-by-Step Instructions for Registration

07 July '26
1199 Views
5 minute read
Need help with GST login? Follow this step-by-step guide to access the GST portal easily and manage your tax filings without any confusion.
Read More
Tax Saving
Old Tax Regime Thum Desktop

Old vs New Tax Regime: Things You Need to Know

07 July '26
6795 Views
10 minute read
Explore the new tax regime vs the old one and choose what suits you best. Learn key differences and gain valuable insights with Canara HSBC Life Insurance.
Read More
Tax Saving
Spouse Term Insurance Thum Desktop

Types of Term Insurance Plans in India

07 July '26
1596 Views
10 minute read
Learn about the different types of term insurance plans, including level term, increasing cover, decreasing cover and return of premium options, to choose what suits your needs.
Read More
Term Insurance
Can You Increase Or Decrease Your Term Insurance Coverage Thum Desktop

PLI Interest Rate 2026: Updates, Key Features & Eligibility

07 July '26
1230 Views
9 minute read
Explore the latest PLI interest rates, bonus updates, and key features for 2026. Learn about policy types, eligibility, and benefits of Postal Life Insurance.
Read More
Life Insurance
Partial Withdrawal From A Retirement Plan Thum Desktop

What Is VRS (Voluntary Retirement Scheme) & Eligibility?

07 July '26
1004 Views
6 minute read
Learn what VRS (Voluntary Retirement Scheme) means, its benefits, and who can apply for it in India.
Read More
Retirement Plan
Partial Withdrawal From A Retirement Plan Thum Desktop

Complete Guide to Withdrawing PF and EPF After Leaving a Job

07 July '26
1030 Views
9 minute read
Learn how to withdraw your PF and EPF after leaving a job. Understand eligibility, documents needed, online claim steps, and how to track your claim.
Read More
Retirement Plan
Partial Withdrawal From A Retirement Plan Thum Desktop

Understanding PPO in Pension: Full Form and Why It's Important

07 July '26
1928 Views
6 minute read
Learn the full form of PPO in pension, its role in retirement planning, and how it helps track and manage pension payments and access services with ease.
Read More
Retirement Plan
How To Handle Sudden Loss Of A Family Member Thum Desktop

How Family Pension Works After Death of a Pensioner in India?

07 July '26
1235 Views
8 minute read
Learn how family pension works after a pensioner's death. Understand eligibility, tax rules, and how much the spouse or dependents can receive monthly.
Read More
Retirement Plan
Partial Withdrawal From A Retirement Plan Thum Desktop

What is PRAN in NPS? Full Form & Role in National Pension System

07 July '26
1033 Views
8 minute read
Discover what PRAN means and its vital role in NPS. Learn how PRAN helps manage pension accounts under India’s National Pension System.
Read More
Retirement Plan
Eps 95 Minimum Pension Hike 7500 Vrs Impact Thum Desktop

EPS-95 Pension Hike Latest Update 2026: ₹7,500 Pension News

07 July '26
1251 Views
9 minute read
Latest EPS-95 pension hike updates, minimum pension proposal, eligibility & government announcement explained.
Read More
Retirement Plan
Ways To Save Capital Gain Tax On Sale Property Thum Desktop

3 Ways To Save Capital Gain Tax on The Sale of a Property

07 July '26
2544 Views
10 minute read
Want to know how you can save capital gain tax on property sales? Understand best and safe ways to save capital gain tax on the sale of a property.
Read More
Tax Saving
Taxpayer Identification Number in India

What is TIN (Taxpayer Identification Number) in India?

07 July '26
1186 Views
6 minute read
Know what a TIN (Taxpayer Identification Number) is in India, its structure, and its importance in taxation. Learn how to apply for TIN and its role in business compliance.
Read More
Personal Finance
What is a Trust Fund?

What is a Trust Fund? Meaning, Types & How It Works?

07 July '26
793 Views
5 minute read
Learn the meaning of a trust fund, how it works, its different types, and how it helps manage and transfer wealth securely to beneficiaries for long‑term protection
Read More
Personal Finance
How Do Top-Ups Work in ULIPs?

How Do Top-Ups Work in ULIPs? Benefits & Key Considerations

29 June '26
899 Views
6 minute read
What is a top-up premium in ULIP? Learn how ULIP top-ups work, their benefits, and how additional investments can help boost long-term returns.
Read More
Ulip
When Is The Right Time To Invest In Ulips Thum Desktop

When Is the Right Time to Invest in ULIPs?

29 June '26
896 Views
8 minute read
When is the right time to invest in ULIP? Learn how timing, goals, and market conditions impact returns and why starting early can maximise long-term benefits.
Read More
Ulip
What Is the Structure of a ULIP? Clearly Explained.

ULIP Structure Explained: Funds, Charges & How It Works

29 June '26
2771 Views
10 minute read
Comprehend the structure of a ULIP. Find out about charges, fund options, life insurance, premium allocation, and how ULIPs integrate investment and insurance.
Read More
Ulip
How To Diversify Your Investments Without Overwhelm Thum Desktop

Professional vs. Retail Investors: How Do They Structure Their Portfolios Differently?

29 June '26
135 Views
4 minute read
Discover how retail and professional investors differ in strategy, risk, and portfolio structure. Learn which approach suits your investment goals.
Read More
Ulip
What Makes a Retirement Plan the Best Option?

Best Retirement Plan at 30s & 40s: How to Start Early

29 June '26
2761 Views
10 minute read
Learn how to plan for retirement at 30 or 40. Explore the best retirement plans, investment strategies, and tips to secure long-term financial stability.
Read More
Ulip
GST on ULIP Plans

GST on ULIP: Rates, Charges & Impact on Premiums

29 June '26
3681 Views
7 minute read
Understand how GST applies to ULIP charges, premiums, and withdrawals. Simple explanation for policyholders to know what they pay and why it matters.
Read More
Ulip
What Makes a Retirement Plan the Best Option?

ULIP Tax Benefits Explained: Save Tax Under 80C

29 June '26
2770 Views
10 minute read
Find out why ULIPs are an excellent way to save money on taxes. Gain tax advantages, market-linked returns, and life insurance while accumulating long-term wealth.
Read More
Ulip
Choosing the Right ULIP for Smart Investing

Best ULIP Plans: How to Choose the Right Plan for You?

25 June '26
1081 Views
7 minute read
Choosing the right ULIP plan can make a significant difference to your returns. A clear breakdown of top tips to pick the best ULIP plan for your goals.
Read More
Ulip
Can I Withdraw Money Before Maturity From A Ulip Thum Desktop

Can You Withdraw ULIP Before Maturity? Rules & Options

25 June '26
2891 Views
8 minute read
Learn whether you can withdraw money from a ULIP before maturity, when partial withdrawals are allowed, and what rules you should know before taking money out.
Read More
Ulip
Heres What It Takes To Create Rs 3 Crores With Just 10 Years Of Ulip Investment Thum Desktop

How to Make ₹3 Crore in 10 Years? ULIP Investment Plan

25 June '26
2904 Views
7 minute read
Discover how a ULIP investment over 10 years can build a ₹3 crore corpus, understand required monthly investments, compounding power & smart fund switching.
Read More
Ulip
What Are Market Linked Returns In Ulips Thum Desktop

What Are Market-Linked Returns in ULIPs? Meaning & Growth

25 June '26
1271 Views
5 minute read
What are market-linked returns in ULIP? Learn how investment performance impacts returns and how you can benefit from long-term growth.
Read More
Ulip
Why you must not surrender your ULIP Policy?

ULIP Surrender: Why You Shouldn’t Exit Early & Key Risks

25 June '26
1895 Views
6 minute read
Surrendering a ULIP policy early can lead to losses and missed growth. Learn why staying invested is a smarter decision, with benefits like compounding and long-term wealth creation.
Read More
Ulip
Understand Three Options Of Promise 4 Growth Thum Desktop

Promise4Growth Plus: 3 Options for Wealth & Growth Explained

25 June '26
1433 Views
7 minute read
Learn the 3 options of Promise4Growth Plus ULIP plan with benefits, scenarios, and returns to choose the right option for your goals.
Read More
Ulip
Which Tax Regime Is Right For You In 2025 Thum Desktop

ULIP vs SIP: Top-Up vs New SIP & Which Is Better

25 June '26
1947 Views
7 minute read
ULIP top-up or new SIP? Compare flexibility, returns, risks, and costs to make an informed decision for wealth growth and financial planning.
Read More
Ulip
Impact Of Ulip Lock In Period On Liquidity Thum Desktop

ULIP Fund Switch: Strategy to Protect Returns in Market Crash

25 June '26
1146 Views
8 minute read
Protect your investment during downturns. Learn when and how to switch ULIP funds with a three-step playbook designed to minimise risk and safeguard growth.
Read More
Ulip
Impact Of Market Performance On Ulip Returns Thum Desktop

ULIP Returns: Market Impact & How to Maximize Growth?

25 June '26
1154 Views
7 minute read
Learn how market cycles affect ULIP returns and discover strategies to maximize growth and improve long-term investment performance.
Read More
Ulip
How Ltcg Tax Affects Ulip Investments Thum Desktop

ULIP Taxation: LTCG Rules, ₹2.5L Limit & Tax Impact

25 June '26
1275 Views
7 minute read
Learn ULIP taxation rules, LTCG impact, ₹2.5L premium limit & tax benefits. Understand how taxes affect your ULIP returns and withdrawals.
Read More
Ulip
ULIP Investment Plans for Your Child

Buy Best ULIP Plans for Child Education - Secure Your Child's Future Today

23 June '26
1279 Views
7 minute read
A ULIP offers life cover and market-linked returns, helping secure your child’s financial future and meet key life-stage goals.
Read More
Ulip
How does Withdrawals Work in ULIP?

ULIP Withdrawal After 5 Years: Rules, Limits & How It Works

23 June '26
2113 Views
6 minute read
ULIP withdrawals come with specific rules & conditions. Learn how withdrawals work, lock-in periods, and tax implications in India to manage your funds effectively and avoid penalties.
Read More
Ulip
Benefits of Buying the Best ULIP Online

5 Benefits of ULIP Plans: Advantages, Tax & Wealth Growth

23 June '26
1909 Views
8 minute read
ULIPs offer life cover & market-linked returns. Learn 5 key benefits and advantages of investing in the best ULIP online & achieve long-term goals.
Read More
Ulip
6 Tips To Buy The Best Ulip In India Thum Desktop

6 Tips to Choose the Best ULIP Plan in India for Your Goals

23 June '26
896 Views
11 minute read
Learn 6 practical tips to buy the best ULIP in India, including how to check charges, choose funds wisely, understand lock-in periods and match the plan with your goals.
Read More
Ulip
Mutual Funds vs ULIP

ULIP vs Mutual Fund: Difference, Returns & Which Is Better?

23 June '26
1458 Views
7 minute read
ULIP vs mutual fund: compare differences, returns, risk, charges & tax benefits to find which investment suits your financial goals.
Read More
Ulip
What Is Ulip Thum Desktop

ULIP vs SIP: Which Is Better for Your Investment Goals?

23 June '26
1894 Views
8 minute read
Explains how ULIPs and SIPs differ in returns, risk, tax benefits, costs, lock-in, and suitability to help investors choose based on goals and time horizon.
Read More
Ulip
ULIP vs Traditional Life Insurance

ULIP vs Traditional Life Insurance: Differences & Which Is Better

23 June '26
5903 Views
7 minute read
Understand the difference between ULIPs and traditional life insurance plans in terms of returns, risk, flexibility and suitability for long-term goals.
Read More
Ulip
Single Vs Regular Premium Which Ulip Should You Buy Thum Desktop

Single vs Regular Premium ULIP: Difference & Which Is Better

23 June '26
1665 Views
7 minute read
Discover the difference between single-premium and regular-premium ULIP plans, and how to choose the right payment mode for your investment and protection goals.
Read More
Ulip
ULIP Returns 2025: What to Expect from Your Plan

ULIP Returns 2026: Expected Growth & Long-Term Returns

23 June '26
3512 Views
8 minute read
Get insights into expected ULIP returns in 2026. Learn how market performance, fund choices, and strategies can shape your plan’s investment growth.
Read More
Ulip
How ULIP Works - Benefits & Features Explained

What Is ULIP & How It Works in 2026: Features & Benefits

23 June '26
5407 Views
7 minute read
What is ULIP and how does it work? Learn its meaning, features, benefits & how it combines insurance and investment to build long-term wealth.
Read More
Ulip
How to Read the Benefit Illustration of Your ULIP Plan?

ULIP Benefit Illustration: Meaning, 4% vs 8% Returns Explained

22 June '26
1020 Views
7 minute read
What is benefit illustration in ULIP? Learn its meaning, IRDAI 4% & 8% return assumptions, charges and how to read projections before investing.
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Ulip
What Is Ulip Thum Desktop

10 Wealth Creation Tips: Grow Money & Build Long-Term Wealth

22 June '26
4955 Views
6 minute read
Discover ten practical wealth creation tips to grow money steadily, manage risk wisely and stay focused on long-term financial goals through disciplined planning.
Read More
Ulip
Partial Withdrawal from ULIPs

ULIP Partial Withdrawal After 5 Years: Rules, Tax & Limits

22 June '26
3917 Views
6 minute read
Not every ULIP policyholder knows the rules around partial withdrawals. A clear breakdown of how it works, withdrawal limits & tax impact in India today.
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Ulip
ULIP Plan vs Term Insurance Plan

ULIP vs Term Insurance: Differences, Benefits & Which to Choose

22 June '26
1173 Views
7 minute read
Compare ULIP and Term Insurance plans to understand their benefits, differences, and choose the best life cover for your financial needs.
Read More
Ulip
ULIP Return Expectations After 10 Years

ULIP Returns in 10 Years: Wealth Growth & How Much You Can Earn

22 June '26
1904 Views
8 minute read
ULIPs can be powerful wealth-creation tools over a decade. Learn ULIP returns in 10 years, average returns, and how fund choices impact your long-term wealth growth.
Read More
Ulip
ULIP vs Traditional Plans

ULIP vs Traditional Insurance Plans: Differences & Which Is Better

22 June '26
1043 Views
7 minute read
ULIP vs traditional insurance plans: understand differences, returns, risk & benefits to choose the right plan for your financial goals.
Read More
Ulip
What Are Mortality Charges In Ulip Thum Desktop

What Are Mortality Charges in ULIP? Meaning, Calculation & Impact

22 June '26
1994 Views
7 minute read
Learn about mortality charges in ULIPs, how they are calculated based on age and life cover, their impact on returns, and why understanding them is important for policyholders.
Read More
Ulip
What Is Panic Selling In Market Downturns Thum Desktop

What Is Panic Selling? Meaning, Impact & How to Avoid It

22 June '26
1261 Views
11 minute read
What is panic selling? Learn its meaning, why investors panic during market crashes, its impact on returns & how to avoid costly mistakes.
Read More
Ulip
Which Tax Regime Is Right For You In 2025 Thum Desktop

ULIP Partial Withdrawal After 5 Years: Rules, Limits Explained

22 June '26
1425 Views
8 minute read
Learn ULIP partial withdrawal rules after 5 years, limits, eligibility & how to withdraw funds while understanding its impact on your policy.
Read More
Ulip
Impact Of Ulip Lock In Period On Liquidity Thum Desktop

What Is ULIP Lock-in Period? 5-Year Rule & Withdrawal Impact

22 June '26
1675 Views
5 minute read
What is ULIP lock-in period? Learn the 5-year IRDAI rule, withdrawal limits & how it impacts liquidity and financial planning.
Read More
Ulip
Yoga Day 2026 Thum Desktop

International Yoga Day 2026: Build Health & Financial Security

20 June '26
33 Views
6 minute read
Celebrate International Yoga Day 2026 by building a healthier, financially secure future. Discover how yoga, smart financial planning and life insurance work together.
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Health Plan
Fathers Day 2026 Thum Desktop

Happy Father's Day 2026: Celebrate Every Father's Promise of Protection

20 June '26
32 Views
5 minute read
Celebrate Happy Father's Day 2026 by honouring every father's love, care and commitment. Discover how life insurance helps protect your family's future.
Read More
Life Insurance
Key ULIP Charges to Understand Before You Invest

10 ULIP Charges Explained: Allocation, FMC & Hidden Costs

19 June '26
1015 Views
6 minute read
Learn about ULIP charges including allocation, fund management & policy fees. Know how costs impact your returns.
Read More
Ulip
Stop ULIP Premium Before 3 Years? Know the Impact

Stop ULIP Before 3 Years? Penalties, Lock-in & Fund Rules

19 June '26
952 Views
7 minute read
Can you stop ULIP before 3 years? Know lock-in rules, penalties & what happens to your funds if you discontinue early.
Read More
Ulip
Sum Assured in ULIP Plans

What Is Sum Assured in ULIPs? Meaning, Examples & Key Differences

19 June '26
2014 Views
7 minute read
What is sum assured in life insurance? Understand its meaning, importance & how it differs from maturity amount.
Read More
Ulip
Why Not To Invest In Ulip Thum Desktop

ULIP Pros & Cons: Benefits, Risks & Should You Invest?

19 June '26
1926 Views
7 minute read
Is ULIP a good investment? Compare ULIP advantages, disadvantages, benefits & risks to make an informed decision.
Read More
Ulip
What Happens If You Stopped Payment of Premiums in ULIP?

What Happens If You Stop ULIP Premium? Lock-in & Fund Rules

19 June '26
1088 Views
7 minute read
What happens if you stop ULIP premiums? Learn about lock-in period, penalties, and how discontinued policy funds work.
Read More
Ulip
6 Best One Time Investment Plans in India

6 Best One-Time Investment Plans in India for High Returns in 2026

19 June '26
1219 Views
12 minute read
Looking for the best one-time investment plans? Discover top options in India offering high returns for different goals.
Read More
Ulip
What is NAV?

What Is NAV in Insurance? Meaning, Full Form & Examples

19 June '26
1896 Views
7 minute read
What is NAV? Learn its meaning, full form, calculation & how it affects your investment value in simple terms.
Read More
Ulip
ULIP Tax Benefits 2026

ULIP Tax Benefits & Taxation 2026: 80C, 10(10D) Explained

19 June '26
3938 Views
7 minute read
Explore ULIP tax benefits under Section 80C & 10(10D). Know tax-free limits, exemptions & how ULIPs help you save tax.
Read More
Ulip
Switching Funds Within A Ulip Thum Desktop

ULIP Fund Switch Tax: Is It Tax-Free? Rules Explained 2026

19 June '26
783 Views
6 minute read
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Frequently Asked Questions

Buying a life insurance plan with adequate coverage can be a financial cushion for your family. It ensures that the family's lifestyle and goals are not compromised due to unfortunate events such as death or disability. 

 

Some life insurance plans, like Unit Linked Insurance Plans (ULIPs), offer wealth creation opportunities to policyholders, along with life coverage. These plans let you invest your premiums in different securities, like equity, debt, and more, to enjoy the benefits of inflation-beating returns. 

Life insurance policies offer valuable tax benefits, enabling you to enhance your returns and accumulate savings. The premiums paid for the policy qualify for deduction under Section 80C of the Income Tax Act, 1961, up to ₹ 1.5 lakhs annually, subject to certain conditions. Furthermore, the funds withdrawn from the policy after the lock-in period and the maturity value received from life insurance plans are also tax-free. 

  

Your source of income will no longer exist with you after retirement. It is crucial to have enough money saved up so that, when you retire, you won't need to worry about anything. Together with a steady income stream, retirement plans offer life insurance.