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29 ArticlesInsurance

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Insurance: Full Tax on Surrender If Premium>10% of Sum Assured [Corrected]

Missed in the glory of the Budget 2012 are key changes in Life Insurance. No 80C deduction if your Premium’s greater than 10% of the sum assured Under ...

IRDA’s Final Insurance Aggregator Guidelines

IRDA has released guidelines for “web aggregators”. (I’ve written about this earlier) These are final guidelines and will be applicable from February ...

IRDA's Guidelines on Web Aggregators

IRDA has produced "draft" guidelines on Web Aggregators (HT: Medianama) that will regulate "web aggregators. I now discuss the points in the ...

ULIPs: No More "Cover Continuance"?

It turns out(*) that the new guidelines for ULIPs in 2010 have claimed another victim: Cover Continuance. The concept, prior to September 2010: if you bought a ...

ICICI Launches Online Term Insurance

ICICI Launches an online iProtect plan – for a 35 year old, the premium is just 24,000 for a 30 year, 1 crore term insurance. This is bought entirely online ...

DD: The Trouble With Ulips

Devangshu Datta gets it absolutely right: Ulips have been around for several years. The structures are known. Every financial newspaper and business magazine ...

In Defense of High Commissions

Suresh Sadagopan questions SEBI’s regulatory actions in his article. (HT: Srikanth Meenakshi) By focusing only on investor interests and making the business ...

SEBI Hits Back: New ULIPs Can’t Be Issued

So there was a lot of drama after the recent IRDA-SEBI fight, which went all the way to Finance Secretary Ashok Chawla, and the FM Pranab Mukherjee announced ...

SEBI Bans ULIPs from 14 Insurers; IRDA Reacts

On Friday, SEBI issued an order banning 14 companies from issuing any more ULIPs, with immediate effect. SEBI full time member Prashant Saran said in the order ...

ULIPs Versus TermPlan+Investment: The Winner is Clear

I’m going back to a theme I have not posted on for a while now: ULIPs. Unit Linked Insurance Plans, I have always maintained, are hideous. Not only do ...