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    1. Business News
    2. Authors
    3. sureshagarwal

    Suresh Agarwal

    Life insurance: Pricing of insurance policy, risk assessment based on disclosures

    An insurance contract is based on the principle of ?uberrima fides? or utmost good faith.

    By Suresh Agarwal
    February 25, 2014 10:17 IST
    New surrender charge norms apply to Ulips issued after Sept ?10

    You can alter the sum assured only if your policy features permit it. You can check the policy contract for…

    By Suresh Agarwal
    January 7, 2014 03:08 IST
    New Irda norms make traditional products customer-friendly

    Nomination authorises the nominee to receive claim proceeds from the policy on the death of the life insured. However, such…

    By Suresh Agarwal
    November 26, 2013 03:20 IST
    From today, insurers won?t be allowed to sell highest NAV products

    Insurance repository allows a policyholder to hold policies in demat form.

    By Suresh Agarwal
    September 30, 2013 20:31 IST
    For full tax relief, death benefit must be at least

    Will I get tax benefit on any life insurance policy that I take?

    By Suresh Agarwal
    September 3, 2013 03:48 IST
    Non-zero rate of return assured on premiums paid on insurance pension plan

    The two platforms are different with regards their explicit purpose and horizon of investment

    By Suresh Agarwal
    July 16, 2013 02:52 IST
    Ideal term cover should be between 10 and 15 times of current annual income

    I have taken a home loan for R20 lakh for which I have taken a loan protection plan.

    By Suresh Agarwal
    May 14, 2013 02:38 IST
    Insurance: Avail tax benefit in the year of purchase of term plan and at maturity

    Currently, term plans offer the maximum cover between 30 and 35 years.

    By Suresh Agarwal
    April 2, 2013 01:52 IST
    Joint covers normally come with reduced mortality charges

    The approach to savings-linked insurance products has to be driven by risk appetite and investment objective.

    By Suresh Agarwal
    December 11, 2012 03:08 IST
    Under term plan, it?s ideal to declare change in smoking status

    Premiums paid towards a life insurance policy are exempt from tax under Section 80 C and maturity proceeds are exempt…

    By Suresh Agarwal
    November 13, 2012 04:20 IST
    Surrender charges not applicable to Ulips from fifth policy year

    I am planning to invest R10 lakh in an annuity product. What will be the monthly pension that I will…

    By FE News Desk
    August 28, 2012 02:14 IST
    Buying cover at early stage keeps premium to the minimum

    Yes, it is advisable since employee health plans typically offer cover only while you are in employment.

    By FE News Desk
    July 31, 2012 03:43 IST
    Premium remains unchanged for entire tenure of term policy

    Most insurance companies are recalibrating their pension plans or deferred annuity products as they are called to conform to the…

    By Suresh Agarwal
    June 12, 2012 01:09 IST
    When buying a child plan, ensure you are the insured and kid the beneficiary

    A child plan can help you secure your child?s future by ensuring that his/her various financial life cycle needs, such…

    By Suresh Agarwal
    May 22, 2012 03:40 IST
    You can transfer bonus points if you port policy, but premiums may rise

    Yes, the rate will be fixed throughout the term. You could choose plans offering fixed term or lifetime payouts.

    By Suresh Agarwal
    April 17, 2012 01:15 IST
    Despite service tax hike, Ulip remains an attractive option

    Currently, insurers are recalibrating pension products (categorised as products that have the mandatory annuitisation feature) in their portfolio to conform…

    By Suresh Agarwal
    March 27, 2012 03:47 IST
    Buy term insurance policy online to get a rebate of 10%

    I recently read that, currently, there are no pension plans from insurance companies.

    By Suresh Agarwal
    February 7, 2012 00:29 IST
    Under MWP Act, death benefit is paid to wife or kids in pre-decided ratio

    I am unhappy with my current insurer and want to port my health insurance policy, which I have been running…

    By Suresh Agarwal
    December 20, 2011 05:10 IST
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