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  1. Business News
  2. Authors
  3. kamalji sahay

Kamalji Sahay

Lockdown and the preventive precautions and measures at individual as well as at the organisational levels have transformed the whole social and economic ecosystem globally.
Embedded Value: A need for innovative insurance products

A policy with a wide range of benefits that could enable a policyholder to overcome challenges due to the Covid-19…

By Kamalji Sahay
December 25, 2020 00:45 IST
The books of accounts of a life insurance company is necessarily moderated by the inputs provided by the actuary.
Embedded Value: What LIC’s proposed IPO means for investors

LIC has the potentiality to generate wealth for investors due to its consistent growth record, firm grip on market share…

By Kamalji Sahay
November 27, 2020 00:30 IST
The term of a policy is the duration for which a buyer of a policy seeks to obtain risk cover for protection of his or her loved ones or for meeting financial liabilities.
Embedded value: Align policy term with rising life expectancy

A life insurance policy has to fulfil the needs that arise not only due to premature death but also due…

By Kamalji Sahay
October 30, 2020 01:00 IST
Some companies are more empathetic and they refund the premium paid partially or fully.
Embedded Value: When claim is rejected due to suicide clause

However, suicide after one year of taking a life insurance policy is considered as good as death from natural causes…

By Kamalji Sahay
September 25, 2020 02:00 IST
Embedded Value: Time for no-frills policies, online purchase

The pandemic has upset many age-old assumptions about financial security and has put the focus on preparedness to tackle the…

By Kamalji Sahay
August 28, 2020 00:40 IST
Embedded value: Know how life insurers make money

In almost all the predictable scenarios, the actual death claim experience is better than what is assumed for pricing each…

By Kamalji Sahay
July 24, 2020 05:40 IST
Similarly, instead of knee-jerk announcements of lumpsum relief in case of death due to accident or any other cause, the PM’s Jeevan Jyoti Bima Yojana can be a wonderful support to the family in distress.
Embedded value: When all else fails, life insurance works

Universalising life insurance can help citizens in case of a financial crisis, whether at individual or national level, during their…

By Kamalji Sahay
June 26, 2020 05:45 IST
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Embedded Value: Your life insurance policy can help you now

From offering financial protection against any eventuality in the time of Covid to raising a loan to meet your daily…

By Kamalji Sahay
May 29, 2020 01:00 IST
Time is one of the inputs to the magic of compounding, the mechanism that makes investment or the savings grow rapidly
Embedded Value: Plan for the year with insurance as first step

Now is the time to assess where you are in relation to financial goals, tax planning & cash inflows.

By Kamalji Sahay
April 27, 2020 00:40 IST
In this situation some people may have a feeling that the accident insurance cover taken by them either from life or non-life insurance companies will provide financial support to their families in case of coronavirus-related death.
Embedded Value: Covid-19 not covered by accident insurance

Life insurance claims to the extent of basic sum assured if policyholder dies due to infection by the corona virus…

By Kamalji Sahay
March 20, 2020 01:30 IST
Planning for making use of various financial tools is required because for everybody tomorrow’s responsibility is higher than what it is today.
Financial planning: Work on financial plan that utilises tax incentives

Good planning enables one to meet various challenges at different stages in life and also maximise growth of funds and…

By Kamalji Sahay
February 28, 2020 01:45 IST
Rushing to buy insurance now? Don’t end up with a wrong policy

Every year young people find employment and at least 15-20% of those who join the organised sector earn taxable income.

By Kamalji Sahay
January 27, 2020 00:47 IST
insurance, life insurance, Life Insurance surrender, life insurance surrender charges, surrender charges, sabse pehele life insurance, policybazaar life insurance plan, max life insurance pay online, lic surrender value, lapsed without surrender value,
Rushing to buy insurance now? Don’t end up with a wrong policy

Understand the terms and conditions of each life insurance policy before you sign on the dotted line

By Kamalji Sahay
Updated: January 25, 2020 10:48 IST
Insurance selling: Why new firms need to show they have better products and service standards

Credibility is a by-product of a very systematic and conscious effort to live up to the expectations of the customers,…

By Kamalji Sahay
December 27, 2019 06:13 IST
All these have shattered the confidence of the public in the banking system of our country.(Illustration: Rohnit Phore)
Embedded value: Can an insurance company go bankrupt?

Following the PMC Bank scam, policyholders are also worried about their investments in insurance companies. However, the Insurance Act provides…

By Kamalji Sahay
November 29, 2019 01:01 IST
Embedded value, risk, unit linked insurance plan, ulip, Policyholder, money news, NAV, mutual fund,insurance, life insurance 
Embedded value: Know the risks inherent in unit-linked insurance plans

Unit-linked insurance plans are stock market investments. Policyholders should understand when to switch funds to get good returns & highest…

By Kamalji Sahay
October 18, 2019 01:44 IST
life insurance quotes, life insurance policy, life insurance companies, life insurance types, types of life insurance, life insurance mistakes, How much life insurance do i really need, life insurance how it works, tax savings
Check how victims can be compensated at time of natural or man-made disasters

A group insurance cover funded jointly by the government and individuals can be used to compensate victims affected by natural…

By Kamalji Sahay
September 20, 2019 02:09 IST
Mutual Fund, Assets under management, LIC, mutual fund industry, financial market, mutual fund investors, ELSS, Group insurance premium
Embedded value: Life insurers need to be wary of Mutual Fund challenge

If mutual funds turn their focus on those states which have been traditional grazing ground for life insurance firms, the…

By Kamalji Sahay
July 26, 2019 01:19 IST
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