INSURANCE MUTUAL FUND EARN MONEY, YAHOO!

What LIC OFFER YOU:
1. Financial Security to you for covering RISK on your LIFE.
2. Financial SECURITY to the couple.
3. Plan to guarantee EDUCATION of your Children.
4. Plan to provide for MARRIAGE of daughters.
5. Plans to provide for PENSION in OLD AGE.
6. Plans providing PERIODICAL PAYMENTS to meet special needs during LIFE TIME.
7. Plans for Housing Loan from LIC to build your DREAM HOUSE.

Why You Need Insurance:
1. Emergence of nuclear family.
2. Increased uncertainties in personal and professional life.
3. Trends of early retirement.
4. Rising health risk.
5. Falling interest rates.
6. Increasing cost of living.

बीमा के लिए हमे ईमेल या फ़ोन करे।
मुअचल फंड मे निवेश कि सलाह दी जायेगी।

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Note: Given the uncertainties of life, it may be prudent to get an insurance cover to protect the family from any unforeseen eventualities.
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OUR Speciality:
1. Certification from IRDA.
2. Ability to offer advice.
3. Best Quality of service.
4. Range of products.
5. We provide Service ALL OVER INDIA.

Mutual Fund: If you want exposer in Equity Investment, then Mutual Fund is the good option to start with. We provide research based Mutual Fund Advisory services. We help you to choose the suitable mutual fund for you after considering your risk appetite, investment horizon and fund you want to invest.

Contact Us:
1) If you want to Buy New Insurance Policies then send us an email for Insurance Quote.
2) If you need a detailed quotation from us as to how much insurance you should really go for.
3) If you have a previous life insurance policy and want servicing for the same.
4) NRI Can also contact us for buying New Insurance Policies.

DEAR N.R.I.'s THANKS FOR VIEWING THIS PAGE. Everyone need Insurance and We can certainly help you for the same. Eventhough you are ABROAD.

If you require any further clarification, please feel free to email back to us and we will be glad to assist you. Assuring you of best services,always.

NRI PAYMENT: In order to initiate the process, please send me part payment (of premium) Rs.5000/- only in India Rupees By DD or Pay Order to my residential address in order to initiate the process. The rest amount can be sent with completed forms, medical reports etc. Policies deatail alongwith CASH FLOW WILL BE MADE AVAILABLE On REQUEST....
E-mail us to get the same

Jeevan Saral (The Best Plan)

Highlights: High Cover, Smooth Return, Liquidity and Lot of Flexibility.

Benefits:
On Maturity: Maturity Sum Assured, Plus The Loyalty Additions, if any.
On Death: 250 times the monthly premium, plus
Return of premiums excluding extra/rider & 1st Yr. premium.
The Loyalty Addition, if any.

Special Features:
i) High risk cover at low premium.
ii) Extended risk cover for one year after 3 year premium payment.
iii) Higher cover through Term Riders.
iv) The policyholder can choose a maximum term but can surrender at any time without any surrender penalty or loss after 5 years.
v) Any number of withdrawals through partial surrendering



Site under construction......
You can mail me for the details.

Jeevan Anand (Endowment + Whole Life)

Jeevan Anand
FeaturesIn order to give wider choice to our customers, it has been decided to introduce with effect from 1 February, 2002, ‘Jeevan Anand’, a With Profit Assurance Plan. Basically, the plan is a combination of the Whole Life Plan and the most popular Endowment Assurance Plan. The plan provides the pre-decided Sum Assured and Bonuses at the end of the stipulated premium paying term, but the risk cover on the life continues till death. Moderate Premiums High bonus High liquidity Savings oriented. Premiums are usually payable for the selected term of years or until death if it occurs during the term period. This policy not only makes provisions for the family of the Life Assured in event of his early death but also assures a lump sum at a desired age. The lump sum can be reinvested to provide an annuity during the remainder of his life or in any other way considered suitable at that time.
Suitable For:Being an endowment assurance policy, this plan is apt for people of of all ages and social groups who wish to protect their families from a financial setback that may occur owing to their demise. The amount assured if not paid by reason of his death earlier will payable at the end of the endowment term where it can be invested in an annuity provision for the rest of the policyholder's life or in any other way he may think most suitable at that time.

Jeevan Surbhi (Money Back)

Age Limit : 14 to 55
Minimum S.A.: Rs.40,000/-
Maximum S.A.: No Limit
Term : 15, 20 And 25 Years

Speciality: RISK COVER INCREASES BY 50% AFTER EVERY 5 YEARS.

Age considred 30 yrs, S.A. Rs. 1 Lac
25 Years Policy : Premium to be paid for 18 years
Premium Yearly :Rs.8,145/- and from Salary Rs.700/-

20 Years Policy : Premium to be paid for 15 Years
Premium Yearly :Rs.9,130/- and from salary Rs.784/-

15 Years Policy : Premium to be paid for 12 years
Premium Yearly :Rs.10,672/- and from salary Rs.917/-

Benefit Illustration : Mr. XYZ has taken policy on 8/02/2003 of Sum Assured Rs.One lakh Term:20Yrs Premium: 9003 Yearly

Projected CASH FLOW

Due Date____Return from LIC____ Bonus
8/02/2007 ___ _25000 __________Nil
8/02/2011 _____25000 __________Nil
8/02/2015 _____25000 __________Nil
8/02/2018 _____25000 __________Nil
8/02/2023 _____89640 _________87200

Total Return: Rs.276840
Total Premium Paid: 15yrs*9003=Rs.135045

Komal Jeevan (Children Money Back)

Age Limit of child: 0 to 10 (COMPLETED)
________Term: 16 to 26 (depends on child's age)
_Min / Max S.A.: Rs.1,00,000 / Rs. 25,00,000/-

Note: Premium paid by the Parent can avail Income Tax Concession under 88 A

Speciality: Rs.75/- per thousand per year guaranteed return
Avail "premium waver". (what is this ?)If Mr.X avail this option (premium waver) all benefits remain the same but after death of Mr.X, premiums are waved till maturity or its payment ceased / stopped.

CASH FLOW CHART

Life assured attains the age of _____Return From LIC
_____18____________________20% of S.A.
_____20____________________20% of S.A.
_____22____________________30% of S.A.
_____24____________________30% of S.A.

Death Benefit:
In case of death of the life assured before the commencement of risk, the policy shall stand cancelled and premiums paid (excluding the Premium for Premium waiver Benefit ) under the policy will be refunded. However, if death occurs after the commencement of risk but before the policy matures, the full Sum Assured plus Guaranteed Additions together with Loyalty Additions, if any, is payable.
Maturity Benefit:
The Guaranteed Additions together with Loyalty Additions, if any, is payable in a lump sum on survival to the end of the policy term.

Anmol Jeevan (HIGH RISK LOW PREMIUM)

Jeevan Anmol is basically a high risk and low premium policy.
Benefits:
______On Death during Term of the policy: Sum Assured.
______On Maturity: Nil

Min/Max Age At Entry: 18/55 Yrs
Min/Max Sum Assured: Rs.5,00,000/Rs. 3,00,00,000 (Inclusive of all Term Assurance plans)

Note : The policy would be issued in multiples of Rs. one lakh for Sum Assured above Rs. five lakh.

Jeevan Tarang (Whole Life Policy)

Introduction: This is a with-profits whole of life plan which provides for annual survival benefit at a rate of 5½ % of the Sum Assured after the chosen Accumulation Period. The vested bonuses in a lump sum are payable on survival to the end of the Accumulation Period or on earlier death. Further, the Sum Assured, along with Loyalty Additions, if any, is payable on survival to age 100 years or on earlier death.

Accumulation Period : The plan offers three Accumulation periods – 10, 15 and 20 years. A proposer may choose any of them.
Payment of Premium: Premiums can be paid regularly at yearly, half-yearly, quarterly or monthly intervals or through salary deductions over the Accumulation Period. Alternatively, a Single Premium can be paid on commencement of a policy.

Sample Premium Rates:The tables below provide tabular premiums for various age-term combinations for Rs. 1000/- Sum Assured.

Survival Benefits:
On survival to the end of the selected accumulation period: Vested reversionary bonuses in a lump sum will be payable.
On survival to the end of each year after the accumulation period: 5½% of the Sum Assured will be payable. The first survival benefit will be payable on survival to one year after the end of the accumulation period.

Maturity Benefit: On survival to the policy anniversary coinciding with or immediately following the completion of age 100 years, the Sum Assured along with Loyalty Addition, if any, will be payable.

Death Benefit:
In case of death of the Life Assured during the Accumulation Period, the Sum Assured along with vested reversionary bonuses is payable.
In case of death of the Life Assured any time after the Accumulation Period, the Sum Assured along with Loyalty Addition, if any is payable.

SPECIAL MEDICAL EXAMINATION RULES

Sum Under Consideration	Upto 35 Years	36 to 45 Years	46-50 Years	56 Years and Above
Upto 100,000	Nil	Nil	Nil	Nil
100,001-3,00,000	Nil	Nil	Nil	ECG, FBS (Rs.170/-)
3,00,001-8,00,000	Nil	ECG, RUA, HIV, BST, Lipidogram, Haemogram (Rs.700/-)	ECG, RUA, HIV, BST, Lipidogram, Haemogram, Chest X-Ray (Rs.785/-)	ECG, RUA, HIV, BST, Lipidogram, Haemogram, Chest X-Ray (Rs.785/-)
8,00,001-20,00,000	ECG, Haemogram, HIV (Rs.420/-)	ECG, RUA, Haemogram, SBT-12 (Rs.900/-)	ECG, RUA, Haemogram, SBT-12, Chest X-Ray (Rs.980/-)	ECG, CTMT, RUA, Haemogram, SBT-12, Chest X-Ray (Rs.1785/-)
20,00,001-29,99,999	ECG, Haemogram, SBT-12 (Rs.870/-)	ECG,CTMT, Haemogram, SBT-12, Chest X-Ray (Rs.985/-)	ECG, Haemogram, SBT-12, Chest X-Ray (Rs.1785/-)	ECG, Haemogram, SBT-12, Chest X-Ray (Rs.1785/-)
30,00,000-99,99,999	ECG, Haemogram, SBT-12, RUA, Chest X-Ray (Rs.985/-)	ECG, Haemogram, SBT-12, Chest X-Ray (Rs.1785/-)	ECG, Haemogram, SBT-12, Chest X-Ray (Rs.1785/-)	ECG, Haemogram, SBT-12, Chest X-Ray (Rs.1785/-)
1 Crore and Above	ECG, CTMT, Haemogram, SBT-18, RUA, Chest X-Ray.(Rs.2085/-)	ECG, CTMT, Haemogram, SBT-18, RUA, Chest X-Ray.(Rs.2085/-)	ECG, CTMT, Haemogram, SBT-18, RUA, Chest X-Ray.(Rs.2085/-)	ECG, CTMT, Haemogram, SBT-18, RUA, Chest X-Ray.(Rs.2085/-)

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Mutual Fund Do's

1) First of all go through all the page of this website to make your decision.
2) Now decide whether you are going to make onetime investment or wish to make regular investments.
3) While selecting fund, first refer to the past performance of Scheme. It will guide you how the scheme has performed in last one year, 3 years, 5 years and since inception.
4) Avoid investing in NFO, which has no past records.
5) Prefer to invest in fund rated 4 or 5 Star.
6) In last 2-3 years most of the Diversified equity funds have given excellent returns even more than 40% annualized compounded, but while making investment in Mutual Fund never expect such type of returns forever.
7) It is always better to expect around 12% to 15% annualized compounded returns and plan your investment accordingly.
8) Always prefer longer term.
9) Systematic Investment is excellent for long term.
10) If you are entering first time in Mutual Fund investments, prefer to invest in Diversified Equity Funds and avoid investing in Sector Funds.
11) As far as possible make regular investments in Mutual Fund.
12) If you are having regular Salary income or regular income from your business and able to make monthly investment always select Systematic Investment Plan of Diversified Equity Plan or Long Term Tax Saving Plan. Tax saving plan will give you additional benefits of Income Tax rebate u/s 80C up to Rs.100,000/-. For SIP investment you should have ECS enabled Bank A/c or you will have to give post dated cheques on approved locations.
13) If you are interested in making systematic investment but do not have ECS or PDC of approved locations, then in the initial stage you should make investment by filling common application form, in such case attach DD payable at approved location alongwith other required papers/documents. And then in future make regular investment by using Transaction Slip attaching with DD in the same portfolio number of the Fund.
14) If you are investing one time use only common application form and thereafter whenever you wish you can invest in the same portfolio number of the same fund or choose to invest in different fund schemes or same or other AMC.
15) In SIP mode one can invest as low as Rs.500/- per month. Over period of time such investment creates very good wealth. For example one who has invested in the Growth Fund of Reliance Mutual Fund from Oct., 1995 to Sept., 2006 i.e. for 11 years @ Rs.1000 per month, value of the Fund as of 1st October, 2006 was became over Rs.12 lacs.
16) SIP mode will give you opportunity of entry at all levels of Index.
17) For one time investment, amount varies from Rs.2000 to Rs.5000 depending on the Scheme and AMC.
18) There is no higher limit for investments.