Wednesday, January 4, 2012

Insure Today for Better Tomorrow

Life insurance plan.
Insurance is the best way to arrange for your financial security in uncertain events. With insurance coverage, a person feel relaxed about financial security of his children and other dependent family members, in case he encounters any uncertain problem such as death, accident or other mishap. However, calculating amount of insurance you need to cover your risks is a complex process. Insurance agents may try you to invest in insurance with highest premiums to fetch high commissions. Hence, it is necessary for you to be informed about all types of options available for you and use life insurance calculator to find the right policy as per your requirements. How much insurance you should opt for largely depends on how much you can afford to save. The amount of insurance also depends upon various other factors such as your income, health, age, savings, number of dependent persons etc. While deriving amount of insurance you need through life insurance calculator, it is essential to consider few things such as mortgage and other debts coverage, your children’s educational expenses, funeral expenses, critical illness and income replacement. Instead of relying on rule of thumb, you should consider the things important for you to make out for securing future of your loved ones with sufficient insurance coverage and right insurance policy. It is advisable to calculate your risks wisely before investing in any insurance plan. 
If you want to know more about best life insurance please visit us

Friday, November 4, 2011

Benefits of SBI ULIP Plan

Investing in ULIP plans is one of the most beneficial investments. These insurance plans offer twin benefits of protection against future financial risks and investment of premium at market linked return rates. A specified amount of ULIP goes towards the sum assured as premium and balance is invested in different venues by policy holder. Unlike traditional insurance plans, there are many options available under ULIPs. One can choose for high, medium or low risk investment options under the same unit linked plan. Investors can also switch between various fund options without any additional expense for specified number of switches.
Common Benefits of SBI ULIP Plan
SBI offers variety of SBI ULIP plans to cater wide needs and requirements of investors. Its major unit linked insurance plans include SBI Smart Performer, Unit Plus Super, Sara Maha Anand, Smart Elite, Smart Scholar, Smart Horizon, Smart Pension and Smart Wealth Insurance. SBI ULIP plan offers many advantages:
·        Guaranteed additions on regular premium policy of specified term
·        Life insurance coverage with minimum sum assured
·        No premium allocation charge
·        Liquidity through partial withdrawals
·        Option to increase or decrease sum assured as per the terms of policy
·        Attractive tax benefits
·        Each SBI ULIP plan offers different benefits depending upon risk appetite of policy taker

Each SBI ULIP plan offers unique benefits to its investors. It is advisable to consider premium, expenses, saving budget and market risk appetite to choose right unit linked plan for investment.

Thursday, October 6, 2011

Compare Life Insurance Products before Investing

A life insurance plan is one of the most significant investments, recommendable to all. From your living to retirement, an appropriate life insurance policy makes your life easier. There are many types of life insurance products available in the market. It is important to compare life insurance products and choose the one that fits best to your needs. Life insurance policies are basically of two types. One is term life insurance policy and another is permanent life insurance policy. Term life insurance policies are generally taken to meet short time needs such as home mortgage, child’s education, marriage etc. It can be taken for term of 10 years, 20 years, 30 years etc. On the other hand, permanent life insurance provides lifelong protection to policy maker. With the inception of private p

layers, there are many types of life insurance policies available in market. In order to take right investment decision, it is essential to be informed and take guidance from insurance agent of a reputed organization. The foremost factor to be considered while investing in a life insurance policy is to analyze your needs. Whether you want to buy life insurance policy for special mortgage need or to protect your family or for protecting your business, you have to understand and analyze your primary needs and savings available to invest in life insurance policy. It is advisable to compare life insurance policies considering your needs, saving budget and benefits of policy in order to secure your future.

Monday, June 20, 2011

Select the Best Life Insurance Company for a Tension Free Life

Selecting the best life insurance company as per their needs and requirements is the greatest concern for many. There are very few people who would have sufficient knowledge about life insurance companies, and their products and services. This lack of insurance knowledge and assumption that saving for the future and investment of money in share market is the best available option for securing future is also the reason why people normally avoid life insurance companies.

Very few people in this country used to believe that they will need insurance for their safe and secure future. But the growing awareness about the benefits of various life insurance company schemes has attracted a large number of country’s young professionals towards it. These professionals after calculating their future risk had gone for the best life insurance company policies.

All life insurance companies have same types of policies targeting any particular section of people. But on selecting best life insurance company you will get instant after sales service and quick payment on requirement. Utilizing the services of top life insurance companies in India also means that your money is in safe hands and you can enjoy your life without any worry.

There are many top life insurance companies in India, which deliver best quality insurance product and great service. All you need to do is to just give their insurance agent a call and tell him the time when you could be free. He will be at your door on the given stipulated time. Just tell him your needs and requirement and he will help you select best insurance policies for you and your family members.

Thursday, April 21, 2011

Secure Your Life with Unit Linked Insurance Plans

In today’s world our existence has become uncertain and unpredictable. Regularly changing lifestyle, low physical activity, lack of exercise and bad eating habits have exposed us to various diseases.  Advances made by medical science promise to improve human life.  But the use of advanced technologies and better treatment facilities has also increased cost of healthcare. 

In order to make sure that sudden health issues don’t burn a hole in your pocket, it is advisable to insure yourself. Buying life insurance ensures that you get the best medical facilities every time.

SBI Life Insurance is a joint venture between State Bank of Indian and BNP Paribas Assurance. It’s a top life insurance company serving the people of India with a host of insurance and pension plans. We also provide unit linked insurance plans, which are long term investment cum protection plans that offer you the opportunity of taking advantage of market linked returns while providing life insurance protection.

Depending on your risk appetite, you have the option of choosing from a host of funds with a varied degree of risk exposure. Flexibility and transparency are some of the other attractive features that make ULIP plans attractive long term investment options.

To help you fulfill your long term dreams, SBI Life presents a wide range of ULIPs to choose from. The recently launched SBI Life - Smart Scholar, a Unit Linked Child cum Life Insurance Plan and SBI Life - Smart Elite, another Unit Linked Insurance Plan gives an even wider choice to customers of all ages. So act smart by investing in a ULIP plan now!

Friday, January 14, 2011

No Tension Insurance – SBI LIFE

SBI Life - Scholar II
SBI Life - Scholar II is a top life insurance plan in the mold of traditional participating plans. It helps you to save for your children’s education with guaranteed benefits which are payable at regular intervals during the term of the policy.

Some features include:

• In case of an unfortunate event, nominee receives the full sum assured along with bonus and regular guaranteed survival benefit
• Guaranteed payments at regular intervals
• Attractive rebate for female lives and high sum assured
• Tax benefits according to prevailing tax laws

SBI Life - Smart Scholar

SBI Life Smart Scholar offers you the twin advantages of market-linked returns and insurance benefits. It is a unit linked insurance plan which secures your child’s future with the promise higher returns in good markets.

Among its features are:

• Benefits of gaining from financial markets
• Inbuilt premium payor waiver benefit
• Dual protection for your family, in case you are not around
• Accident benefit which includes accidental death benefit and accidental total and permanent disability benefit
• Investment opportunity through 9 varied fund options including P/E Managed Fund, Index Fund and Top 300 Fund

To make a wise decision, you need to look at the investment plan which best suits your specific needs. For example, consider the age of your child is and the age you want the money to be available to him, how many years you want to pay for, and how much you want to accumulate.

Thursday, November 4, 2010

Simplified Risk Coverage with Online Life Insurance

Life Insurance Online
If you thought that making an investment today meant you have to deal with jargon filled talk that you can't make any sense of, you are wrong. With the advent of the Internet, everything has become easy. Life insurance is no exception. You can now check out Life Insurance Online with little difficulty. However not all providers have such facilities. Only the best and most reputed insurance companies can afford to provide and sustain such services as it requires managing a large database. You can from the comfort of your home, understand the terms of the policy and decide to buy it right away. The payment can also be made immediately, with little difficulty.

Buying life insurance online - Things to do
The Internet gives you the scope to explore different options before you decide to buy. You can check various providers, the options they offer, the features of their risk coverage programs and the support you can get from their personnel. Many providers now give you a scope to calculate the premium you may have to pay every month or semi yearly or yearly. You will also get to learn about other investment opportunities that the insurance provider has for members of a particular plan.

Choosing the best life insurance online
When you finally decide on the insurance scheme and the provider, ensure that you have checked all the other companies as well. It is not everyday that one would opt for insurance and you have to be certain of getting the most for your money. The best life insurance online will offer you the maximum protection after considering all risk factors at a low premium. It will also give you maximum return benefit if you decide to not opt for very long term schemes. In all, your insurance will make you feel peaceful as you can be certain that even if something were to happen to you, your family will be taken care of.