Which is a Better Investment Option for You?

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Investment Insurance Policy
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Which is a Better Investment Option for You?
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• Cover against claim rejection
• It is less likely that the insurance company
  would reject your claim if you have given all the
  information correctly at the time of applying.
• Having Investment Insurance Policy scheme from a
  different insurer may come handy just in case
  your claim does get rejected.
• Diversifying your insurance portfolio makes sense
  if you are worried about this possibility.
• Insurance with different maturities
• Many people decide the size of their life
  insurance cover in line with their liabilities.
  If so, is it wise then to buy multiple insurance
  policies with different maturities?

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Suppose Rahul had an outstanding amount of Rs 30
lakh in his home loan and the balance tenure of
his loan is 15 years. He thinks that he need a
higher cover only till the loan lasts, thereby,
saving some premium that way. While deciding
the size of the cover, he opted for two term
plans with different maturities. In
Investment-Linked Insurances Diversifying ULIP
plans While traditional endowment policies may
not be a good investment option, as they neither
offer good cover nor good returns, Unit-Linked
Insurance Plans (ULIPs) could be an alternative
for term insurance. ULIPs can offer a cover 25-30
times the annual premium. ULIP plans invest your
premium in different funds- equities, or debt or
a mix of both, so it will be good to invest
different plans to get the benefit of
diversification of funds.
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