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27 ArticlesULIP

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IRDA Wakes Up, ULIP Changes in Store

Says Mint: Two Irda officials told Mint on Monday the regulator will soon declare stringent norms on front-loading of commissions, surrender charges, risk ...

IRDA wins the battle to regulate ULIPs

It’s final. The government has decided that the ULIP turf war will be decided in favour of IRDA. The government has brought down curtains on the two-month ...

Value Research: Tax ULIPs

Dhirendra Kumar makes a useful point: Like all insurance products, the returns earned by ULIPs are free of income tax. However, the returns from the investment ...

Reader Comment: Is Bajaj Alliance Shield Plus worth it? [NO]

A comment from Raju on my ULIP post: I am NRI.I invested 5 lacs in Bajaj Alliance shield plus plan.Which requires only one payment. And insurance is 1.1 times ...

ECS Fiasco: Kotak to Blame, ICICI Redeems Itself

Ravikiran Rao writes in response to the ECS post: Just wanted to give a little more detail. The detail will indict Kotak further and probably exonerate ICICI ...

LIC Wealth Plus Guarantees NAVs, Mis-sold

Read Manish Chauhan’s excellent post on Agents misselling LIC Wealth Plus. The product promises the highest NAV in the next seven years, and some agents are ...

Beat ICICI ULIPs by Upto 77%, the Do-It-Yourself Way

Sometimes a picture is worth a thousand words. I was pointed to an ICICI insurance page today that had snazzy little buttons and boxes that showed you how rich ...

Suckered: ULIPs Stealing Money, Yet Again

Khushal Devera at Moneycontrol: Sachin’s family want to get their daughter married after she completes her graduation – that is another three years ...

ULIP Strikes Again

Jago Investor, which has become an excellent site, has a post on misselling ULIPs. The story: A family that had 10 L to invest, gave it to someone they knew in ...

Hiding ULIP Commissions: Riding on Confusing Customers

A friend recently told me about Birla Sun Life’s Dream Plan and how they had “zero commissions”. The skeptic that I am of greedy ULIPs and ...