Companies may change health cover plans due to cost issues
How to steal a trillion

How to steal a trillion

Retail investors lost a minimum of Rs 1.5 trillion to the insurance industry over seven years.
Insurers’ investment limit hiked to 12-15%

Insurers’ investment limit hiked to 12-15%

Move will help private insurers buy more shares from market; Irda approves proposal to regulate health insurers
Investors lost <span class='WebRupee'>Rs.</span>1.5 trillion due to insurance mis-selling

Investors lost Rs.1.5 trillion due to insurance mis-selling

The Ulip rip-off was an institutional defrauding of the small investors
Compensate life insurance mis-selling victims

Compensate life insurance mis-selling victims

But the problem is that it is difficult to establish misselling since customers sign on the papers.
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The tests assign you points based on your answers which helps in knowing how much risk you can take.
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As policyholders we are also responsible also for falling into such traps.
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Over a long term of 30 years, the cost in the plan is relatively lower.
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Disadvantage of online term is you don’t have the benefit of an intermediary who can advise you.
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If you want a conservative portfolio, you should consider debt instruments.
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