EXPOSED: ULIPs & Capital Guarantee Plans

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EXPOSED: ULIPs & Capital Guarantee Plans | Money Minded Mandeep

Рет қаралды 228,012

Күн бұрын

Buy Term Insurance on Policy Bazaar (affiliate)👉 term.lla.in
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Chapters:
0:00 Introduction
1:54 What are ULIPs?
2:24 ULIPs: Life Insurance
8:37 ULIPs: Investments
9:12 Charges in ULIPs?
11:23 Mortality Charge: Explained
15:27 Reality of Mortality Charge
18:10 Lock-in Period
20:19 How to Cancel ULIPs?
21:07 What should you do?
22:01 Returns
24:03 Reality of Capital Guarantee Plans
26:03 Child Plans
26:54 How are ULIPs Mis-sold?
28:04 How does the Rich benefit from ULIPs?
29:16 Conclusion
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Read the detailed article here: labourlawadvisor.in/blog/expl...
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Written & Presented by: Money-Minded Mandeep
Shot & Edited by: Rohan Agarwal
Asst. Editor: Himanshu
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#LLA #ULIP #insurance

Пікірлер: 1 000

@LabourLawAdvisor Жыл бұрын

Insurance is Important, Get one Now! 👇 Term Insurance: term.lla.in/ Health Insurance: health.lla.in/ Car Insurance: 4wheeler.lla.in Bike Insurance: 2wheeler.lla.in Commercial vehicle Insurance: cv.lla.in Choose the right Insurance for yourself: link.lla.in/LLA-PL-life-insurance

@shepuchibhaji Жыл бұрын

acko ka car insurance is safe or na?

@somnathghorpade5521 Жыл бұрын

आप इन लोगो को ठीक से जीने नहीं दोगे😂😂😂

@fanpagebadsah Жыл бұрын

First me jo aapne insurence plan ke bare me btaya 2 minute me same meri situation hai sir plss help me where i can complaints

@PawanKumar-fp3yy Жыл бұрын

Sir mene December 2022 se max life se term life + investment plan le rakha h abhi continue krna chahiye ya ese band krke term life plan alag se lena chahiye ........ Please give me advise.....

@CccHaresh9996 Жыл бұрын

Ya hain sab se Bada Agent 😅😅😅😅😅😅😅

@Dr_Sayan Жыл бұрын

SBI managers tried to pursuade me to buy SBI Smart Platina; SBI Elite and many such useless products. But I declined each time. Thanks to team LLA for such informative videos and making people Jagruk. At the same time it is very sad to see how public sector banks like SBI changed in recent years. Misselling should be considered as a culpable crime.

@Menzene7 Жыл бұрын

But how to avoid these insurance plans if Banks make these insurance as precondition for taking loans? If you say no then loan proposal gets delayed/rejected.

@dr.mohdakil8251 Жыл бұрын

Brother's t shirt speak up all😂😂

@ssshrayanshsingh9510 Жыл бұрын

@@Menzene7 I think One should avoid taking ULIP kind of insurance. But one cannot ignore some necessary insurance like term insurance, insurance against loan and car loan, etc etc but it is very necessary... Supposed if you die and at a time you had taken some Loan which ain't having insurance backup, everyone around you will suffer.

@rocku4evr Жыл бұрын

@@Menzene7 take a term insurance from outside and submit policy copy of the same...they can't force you to take it from their sister concern

@surajitsow368 Жыл бұрын

Same here ,,, SBI manager called my father that you got pension fund I will suggest you how to invest that money,,, He offered my father sweet etc ,,,then he suggested my father get him 4 cheque and signed here and here Then I will invest your money here FD here mutul fund etc etc ,,, my father trusted the manager due to his appearance,,, then Imy father, my mother and my brother got phone call same day that we are from sbi life insurance ,, r you continue the policy,,, the we are shocked and called the manager,, he said it is only for one time,,, I got doubt that time,,, AFTER WATCHING LLA's one video that I. An cancel policy within 15 days after purchased,,, that I canceled those policy,,,it was 15 year lock in and 115982 rs per person per year,,, it is totally impossible for us ,,,

@Noiriq Жыл бұрын

Imagine a life insurance broker reached Mandeep's house to sell him a life insurance 😂😂😂😂

@DebanathDey Жыл бұрын

He will go back buying a term plan and a mutual fund

@anomaly810 2 ай бұрын

Nah he will make him sit in front of his laptop and say calculate your plans in Excel 😂😂😂

@Rish.abh.007 2 ай бұрын

गया टाटा खत्म बाय

@MrMallu. Жыл бұрын

these guys are making Indians educated...good work❤

@Real_mutual_fund_guide 11 ай бұрын

Mallu😂 sahi naam h tera

@hkm-lk7lx Жыл бұрын

Guys, take some notes

@Naruto12.v Жыл бұрын

My family have not life insurance we are poor why should I take note

@pdahj4224 Жыл бұрын

@@Naruto12.v commenting on you tube is costlier than life insurance Fuddu aadmi take a cover 😅 If poor by mind than its ok

@Noiriq Жыл бұрын

@@Naruto12.vmy family can't even afford an android phone 😢 am watching in macbook 👀👀👀

@jajatieverready Жыл бұрын

@@pdahj4224 i dont think any of the big fin influencers have said this yet, but of you income is below a certain level, you do not get to take a normal term life insurance. I am forgetting the exact income level but i think if its below 3lakhs p.a. So dont troll someone without complete knowledge. Cheers

@show_bob_and_do_vengeance Жыл бұрын

@@NoiriqI am so poor I watch KZfaq after hacking their server with my keypad phone

@Apollo0108 Жыл бұрын

Mandeep, you and RJ have single handedly helped me more than every other finance content creator combined. Struggling with some old ULIPs that my late father had taken. Thanks for providing me clarity on how to proceed further with those. BTW, my birthday was yesterday. Day before, I was watching your Term insurance video. My previous term insurance amount was low (due to limited income earlier) so I applied for another substantially increased term insurance cover via the PB link in your bio. Hope it helps support your work, because I have definitely recieved a lot of support from you. All the best ahead. ❤️ PS - love from Jaipur

@LabourLawAdvisor Жыл бұрын

Thank you so much Bhai, means a lot ❤️❤️🙏 And wish you a very happy birthday from all of us 🎈 :)

@youreverydaymotivation. Жыл бұрын

@@LabourLawAdvisorSir I am a student maine jb open kia tha BOI Savings A/c toh class 12 m tha & uss waqt boi employee ko maine student non-maintaining wla A/c open krne ko kha tha, usne apne profit ke chakkar m mereko bola h student A/c hi h and 1000₹ maintenance wla A/c open kr dia. Ab corona se phle toh maintain kr pata tha but avi nhi kr paata m & mereko pata vi nhi tha ki student A/c nhi h mera yeh. So bank ne Lein kr dia h & RBI khta h ki ap negative ya lein nhi kr skte customer A/c but wo nhi sun rhe, bol rhe rule ke according cut hua h lein. Mera ek really bohot important paisa tha ₹1000+ jo lein ke wajah se bank ne cut kr lia & branch ab baat ko nhi sun rha na hi bank grievances se koi help mil rha & even RBI jo itna Ad dikhata wo vi bank ko support kr rha Kya Karu ap batao #lla sir guide kariye kindly.

@KrishanKantShukla-77 8 ай бұрын

@@youreverydaymotivation.Close the account and open kotak 811 0 balance account or any other bank's 0 balance account,As simple as that

@omkarwagh2051 2 ай бұрын

@labour law advisor sir apka contact no milega kya

@TheBond207 Жыл бұрын

The benefit of videos on this channel is IMMENSE and UNBIASED. One long video on any topic - Term, Health insurance, ULIP, etc covers it end to end on what key factors one should consider while evaluating various policies / market instruments. Kudos to Mandeep for such in depth research!

@khanjannimavat8135 11 ай бұрын

I got scammed by hdfc life by buying ulip. They said the life insurance is just a bonus and i even asked if all my money is invested in equity and they said yes. I was never informed about various charges and mortality ratios😭. I can't believe they did that even after knowing im a student and don't have any source of personal income. Never knew people can get so low. Im also to blame partially as i didn't do my own research.

@user-dd1wl3mt5n 2 ай бұрын

oh man

@Unnamedlele Ай бұрын

Complain in RBI

@amardeepkumar2 Жыл бұрын

Just a week back i was proposed with this ULIP but i was not sure beacause of limited details. Thanks to your video now i know it fully. Seriously u are a killer.

@boltez6507 Жыл бұрын

One of the only few channels which empowers the common man.

@rv0_0 Жыл бұрын

I knew everything which he discussed in this video. but i liked how he talked so i watched the complete video. Thank you, LLA for making people aware and increasing financial literacy.

@adarshyadav2686 Жыл бұрын

Thank you LLA for these amazing videos, i just wanted to say that people thinks that i'll pay 20k per year for 2crore insurance but what if i survived. They don't look into from the perspective of what if they don't survive. Previously i used to also think like that but then i changed the way to look into this i thought just by investing my 5 days income out of my 365 days days i can live peacefully without any worry for my dependent's future in case of any mishappening. Hope someone will change their perspective of looking on Term insurance like this.

@devanshnautiyal864 Жыл бұрын

Amazing video, I salute a company like Labour Law Advisor which is giving complete information on scams like ULIP, instead of eating commission and collaboration from agencies or selling plans like UPLIP where a commission is high they are educating people. I just love your work and bless you guys to grow in your life

@anirbanmishra1902 Жыл бұрын

Bhai zabardast. Mujhe finance ke bare me ghanta kuchh pata hai. Par ye to mujhe bhi samajh a Gaya. Dusre sources ke information samajh ne bhi asani huyi. Thanks a lot brother ❤

@adityashidlyali7814 Жыл бұрын

The T-Shirt Says it all: "YOUR LIPS, MY LIPS, APOCALYPSE (The wallpaper on the screen behind), BUT NEVER ULIPS" By the way nice video. Follower since 3 years of you. Thank you ❤L❤L❤A❤

@chourasiyakishan Жыл бұрын

The level of research you perform and the depth of understanding you provide is truly remarkable. 🔥🔥 I've learnt so much about all types of insurances, mutual funds, and many inportant concepts of finance. Thanks a lot and keep growing. 🤜🏻🤛🏻

@sailpatil3004 2 ай бұрын

Dear LLA affiliate with Ditto policy bazaar is total scam I strongly recommend people to avoid policy bazaar

@shubhamtariyal439 2 ай бұрын

why? do tell the reason

@arunkumarshetty694 20 күн бұрын

I took ulip from them, and watching this video and ur comment after 5mins😅

@samuelchowdhury Жыл бұрын

Mandeep, we are incredibly grateful for your help. Your videos have been a lifesaver, guiding us towards making wise financial choices.

@narendrasethia86 Жыл бұрын

You guys are amazing. Thank you for making such a valuable resource available to the public. Your video is sure to help many people improve their financial situation.

@saransid00 Жыл бұрын

Was almost about to buy a ULIP from broker and notification of this video popped up! Have blocked the broker. Thanks Mandeep for taking all these efforts to educate the public.

@InnocentBoyV Жыл бұрын

Lol that's one hell of a coincidence 😅

@AnirudhaBose Жыл бұрын

I got a term insurance plan after watching your previous video. I was late into the game because of which I have to pay a larger premium, so don't be like me. Get a term plan as soon as you file your first IT return.

@Ankit-wd7qz 3 ай бұрын

PNB MetLife, LIC, Tata AIA, HDFC Life, SBI Life 😅😂🤦

@VijayPatil-tz3cr Жыл бұрын

Thanks for the video my friend has invested in lots of ULIPS and I am tired of telling him that it's a scam.

@gurpritsingh3164 Жыл бұрын

Brilliant . Thank you for making us aware of these scams. As for common people it is next to impossible to read the policy document and make any sense out of it.

@user-xp8jo8mj3p 7 ай бұрын

I'm 20 years old Male, self employed , I want to buy a pure term insurance plan of around 1-2cr but the guy calling from policy bazaar told me that if i don't have itr file return of last 3 years i cannot buy pure term insurance plan and instead forcing me to buy a combo plan (kind of ULIP) of much higher Premium which i don't want. What I'm i supposed to do please help. 🙏

@anandmiesala2745 2 ай бұрын

As far as I know there is no such condition. If there is such a condition, then better invest for 3 yr (till u get 3 yr ITR) in stocks and then buy a Term Insurance

@teddy365 2 ай бұрын

Hey You can check directly with companies or on their portals. Companies do have conditions of checking employment so that they can ensure you pay premiums timely. So a salary slip should be enough. Other factor could be that you are asking for a really high sum assured with a young age. Now companies do not want to write bad risks and hence to avoid anti selection against them they might deter some people from buying insurance.

@rajarshiparmar1990 Жыл бұрын

This man saved me from loosing alot off money. Thank you from bottom of my heart❤

@ankushdas7445 2 ай бұрын

A very insightful video. Cleared a lot of my doubts. Bought a ULIP plan 2 years ago, and regreting it now.

@b.l.jalindra Жыл бұрын

Great video sir, I learned a lot After watching channel video I want to explore more and more abouts finance, so Is there any way to learn about these concepts for educational purposes?

@Mr.Curious109 Жыл бұрын

Brilliant Thumbnail, Hats off to LLA team.🔥❤️

@akshatkumarjainylecrwavsa6661 Жыл бұрын

I talked to an agent and he was convincing me for ULIP but then I had showed him these things and he said you had a great knowledge 😂 thanks LLA for these value Information....also I have question..can you please guide me should I go with one more term policy or should increase coverage in current one to increase my cover insurance?

@tarunarora201 Жыл бұрын

Really really informational. I am trying to tell my frds and relatives about it long ago, now I got a perfect and researched content to demonstrate. Great work guys❤

@sudarshanpawar2802 10 ай бұрын

❤❤Thanks Bhai God Bless you, more awareness bring please

@hanumanth4u2u Жыл бұрын

Sir thank you so much for the video. Very informative. can you make a detailed video on swp. Need a retirement investment (lumpsum-5-6lakhs )for my parents.(i was planning for ulip to give my parents monthly money but not anymore)

@avijitprasad2302 Жыл бұрын

Omg what a video. Knowledge for 30 min and not feeling bored even for a sec. Mandeep brother thank you so much, thank you team LLA you guys are fabulous and doing a great job. #jagrukjanta❤

@roy_tanmoy Жыл бұрын

well I went back to check that did I really watched a 30 min video

@brahmakivani Жыл бұрын

High production value video like Johnny Harris. Great work for creating this video. I already watched the earlier video of the ULIP last year and it opened my father's eyes.

@venkatsudheerreddy4109 Жыл бұрын

Dear Mandeep, Wow! That's an amazing video bro. I was also stuck in that kind of policy and canceled as soon as I realized my mistake. My objective to take those policies was to get tax benefits, and I told this to an agent then, they gave all the bullshit talk and made me take those policies. This is an eye-opening video for people who are agent ka chakkar policies lete hai. Thank you! Please keep doing this.

@asitkachhap5095 Жыл бұрын

Similar miss selling was done to my parents by Bajaj Allianz folks. Some policy (ULIP/traditional) were maturing/crossed the lockin period, they told her that my parents will not have to pay any premium which turned out the agents manipulated from the maturing/post lock in period policy. My parents were expecting to use the policy payout but ended up buying another policy from them and locking it again . I have been following you content from 2020 and thank you for creating the awareness. I told my parents not to sign any document but these agents are persuasive, kept visitng my parents place stating they need to verify the policy holders. 😡😡 the other problem with the free look up period for parents is they dont have email id (usually) and the physical policy documents are delivered post the 15day period, or the agent intentionaly skips adding it and tells them policy holder can update the email ID online later.

@bansalsaurabh7 Жыл бұрын

Need a short or video on the last part, where one can save money in section 10(10)d. This should be interesting

@arpit7533 3 ай бұрын

One should have a mix of Equities, Lic or Debt, FDs, Realestate. I am not against LICs but not put all eggs in one basket.

@Ronakchaudhary10 Жыл бұрын

Hello, I'm Ronak Chaudhary I im talking about INDIAN POST PAYMENT BANK (IPPB) The account has been inactive for some time (around 1 or 2 year) by the bank, and later I went to the bank, the bank employee told me that your account is inactive, you have to activate it, then according to my instructions, the bank employee activated the account. in this bank, I have deposited money in my bank account in that bank, and then the bank deducts money from the account in the name of SMS charges for the time that the account remained inactive. Is this reasonable, or am I being scammed? Please give me proper advice.

@seeker9036 Жыл бұрын

Sir please make video on pension plans. Retirement plans

@dheerajtandon2983 Жыл бұрын

Jeewan barbaad agent log krte hai, ye soch kr ki inka jeewan abaad ho jayega. Tumhari videos ko government ko sabko dikhana chahiye. You deserve a appreciation from Government itself ❤

@ftrhf 4 ай бұрын

One time ulip policy bhi aati hai sir, mutual fund is taxable, but here is not taxable. Charges say 4 percent per annum but mutual fund is also having 2 percent. So in mutual fund say we get 15 percent return and inflation say 5 percent, you will be charged tax on 10 percent(15-5) percent per annum in mutual fund. It comes closes to 3 percent. If u are in higher tax bracket, If u take single premium sbi smart privilege overall charges is only 3 percent , here one lockin of 5 years is there but that will bring discipline

@psychology726 2 ай бұрын

Any information related to maxlife nifty alpha 50 flexicap fund. Is it safe or good to start investing in it or not?

@ajinkyarokade2902 Жыл бұрын

You people are a gem... No one literally no one can educate us like you did....

@mohitdang4042 Жыл бұрын

Hi Mandeep, I had purchased term insurance 5 years back when I was 24 and had taken premium according to my salary that time, Should I consider buying new term insurance for increasing the cover or get existing policy updated?

@nkmnit Жыл бұрын

New term plan from different bank/agency is recommended.

@77850dm Жыл бұрын

Same thing happened with my father when he visited union bank of India, there was an agent of sud life (star union diachi) who mis guided my father and trapped my father and my father trusted him because he was seating in union bank of India so trusted him and signed all documents later in 2021 I came to know about the policy and when I enquired about the same policy then in 2021 my investment of 50,000 annually turned in 2,80,000 i.e. 2,50,000 invested and return of 30,000 in 5 years.

@user-gc2ei8zi9n Жыл бұрын

Great video helping many indians to understand the Terms and conditions of ulip's ....Thankyou

@mohitdas5132 Жыл бұрын

LLA team leveraging AI rigorously 🙌

@DeelipRBirla Жыл бұрын

You guys are THE BEST.... Keep doing great work❤❤❤❤❤❤ Specially Mandeep ... The way you explain is amazing, Fabulous🔥🔥🔥

@sanjaydhebe85 Жыл бұрын

Mandeep bhai, awesome explanation given as usual. In real manner your channel protects investors interest. Which should have been done by our so-called regulators. Keep it up this good work 👍

@rushikeshkale7303 Жыл бұрын

@LabourLawAdvisor sir, Is it good to buy 1cr - 1cr term insurance from 2 diff companies or 2 CR from the same company? To reduce risk. Please reply 🙏🙏🙏

@mohdshoaib1946 Жыл бұрын

Creation of financial videos is simple copy and pest but creation of such videos requires study, reaserch, hardwork, time and other things. Thank you LLA

@noobmaster-dm7tu Жыл бұрын

chalo sab log jaldi jaldi isko apne family group me daalo aur pados waale LIC uncle ko bhejo

@LabourLawAdvisor Жыл бұрын

Haha

@princegiri1609 4 ай бұрын

Maine free look period mein term insurance policy cancel karwayi thi , 3500 k premium mein se 438 rupees hi refund diye , baki k charges kaat liye

@paragvaishampayan9501 Жыл бұрын

Really appreciable introspective well said content 🙏

@wasidkhan2921 Жыл бұрын

RIP to those who invested in ULIP

@shouvikroy2320 Жыл бұрын

8 year 20% CAGR

@noopurp123 Жыл бұрын

@@shouvikroy2320 I call bulls**t on that

@soumenbaratoffical Жыл бұрын

Then rip to me

@PlasticSquare Жыл бұрын

@@shouvikroy2320😂 aisa hota to Jhunjhunwala bhi ULIP me hi sab daalke rakhta

@shouvikroy2320 Жыл бұрын

@@PlasticSquare to bhai tumko jhat ka knowledge bhi nehi hain😂

@Innervoiceur Жыл бұрын

Thanks for sharing this knowledge..🙏

@cheragrana6456 Жыл бұрын

Thank you mandeep.. very nice and informative video..

@hiteshmalviya8430 Жыл бұрын

Thank you MMM for the insightful session....

@nikhilrathaur8214 10 ай бұрын

Just one question sir When we buy any term insurance or any other plan online (policy bazaar) when they ask us to tick on agreed terms and conditions, when we try to read it , its like never ending page , that's guarantee we may miss some points , how to avoid this mistake, and save us from buying wrong plan 🤔

@akshitjain2867 Жыл бұрын

Sir, I can't thank you enough. In 2021 someone sold a ULIP to my father who didn't know anything about them. He was told it was an FD with higher interest rate by the bank employee. And I might not have ever known about it because earlier my parents didn't you used to involve me in financial decisions as they thought I was a kid. But luckily the bank employee sold that ULIP under my name. And as soon as I knew about that I simply asked for a cancellation/refund the next day itself, under the 15-day free-look period which many people don't know about

@akshaymanta55 6 ай бұрын

Did you receive your fund value which was invested in the market?

@JibinPhiliposeDGameR 11 ай бұрын

Bhai bhai, hands down this video is downright helpful and jaagrut, and yeah finally I subscribed, I don't know why I didn't subscribe earlier well better late than never.

@dhavaljoshi8133 Жыл бұрын

grate video.. I request you please make a video about NPS and there funds

@devansh2002 Жыл бұрын

ULIP mein risk cover kam rehta hai jada paisa investment k liye jata. Issliye risk cover kam rehta hai ulip. It’s mainly for investment with small proportion for risk cover

@davkumar1860 Жыл бұрын

Top to deep knowledge📚 great sir... Thank🙏

@PratikShastrakar Жыл бұрын

my mother already bought a ULIP plan what should i do should i cancell it? bearing the cancellation and premature cost??

@PraveenGuptaThinks Жыл бұрын

Can we increase the cover amount of existing term and health plans, please reply.

@sheshnathverma8077 Жыл бұрын

Today its been 1 month since I unknowingly purchased a HDFC life ulip plan. The bank staffs misguided me entirely and didn't disclosed the charges included. Later, I knew and requested for cancellation under free look period, and after several mails and complaints its been more than a week I have submitted my documents for cancellation but the work is stilll in process. These peoples trap u badly.. beware..!!!

@SwastikLIA Жыл бұрын

Thank you sir, your videos are the real thing in YT

@ramyasri6093 Жыл бұрын

Very well put .. amazing. Will educate my frnds based on this

@Menzene7 Жыл бұрын

But how to avoid these insurance plans if Banks make these insurance as precondition for taking loans? If you say no then loan proposal gets delayed/rejected.

@jehza77 9 ай бұрын

This is awesome !! More power to you

@anilshinde5316 9 ай бұрын

What is the better way to invest in liquid funds, through SIPs or through a lump sum?.

@pawanupadhyay3494 3 ай бұрын

I have recently taken a kotak platinum ulip plan. I am very much confused about the same . Please help me if it is good or let me know if I can cancel the same.

@parakhmody1413 11 ай бұрын

Hi @lla, I understand there is quite a strong contrast between market’s view and sentiment of ulips and that of lla. And that’s a good thing, because it helps in understanding this product line. Did have a question though, as for the investment portion of ulips. We say ulip funds can never perform as well as MFs. But policyholders do have a choice in selecting the fund where they invest, right (depending on the company and product of course)? Why can’t a policyholder/investor select a ulip fund mimicking an MF that they would have otherwise invested in had they not chosen ulips?

@domnick1453 Жыл бұрын

Really appreciate so much informative session.

@nikunjpatel1114 Жыл бұрын

Mandeep sir you can simply promote Index fund(low expense ratio)insted of mutual funds(High expense ratio)

@Vikas42329 Жыл бұрын

Thanks a lot @Mandeep , I posted questions in between video but when the video ends came it resolved my query, such a nice and brief description about ULIPS, Keep making videos

@manojsinghgaloach5972 Жыл бұрын

Sir I have a question, can a person buy a galli(road) in front of house.

@shravanbharti2026 Ай бұрын

Hello mandip great video. One of my friends suggested an annuity plan which was a ulip plan. Fortune maxima by TATA. Can you review it.

@ashkumar6492 Жыл бұрын

Hi Mandeep, I am struggling to understand how TATA aia param rakshak plan is different from this ?? Can you please create a video on that if possible .. it will be great help to decide

@10dheeru Жыл бұрын

Really it's very informative and now all who are watching this are going to be jahruk janta good job mandeep👍👍

@fitnfinecvd Ай бұрын

I think this is the best informative unbiased video i have ever seen from ur channel. I really appreciate the amount of work you put into this project. Thank u for saving many peoples money with correct information

@devrawat9211 Жыл бұрын

bahut kuch sikhne ko mila. jo sayad zindagi bhar pata na chalta. thanks for it

@khybaug Жыл бұрын

Same happened with my Dad. Sbi banks sold my Dad with Mutual Funds saying such things. One time payment for years, etc...He still paying thru SIP.

@vishalghume8879 Ай бұрын

I do have a HDFC ULIP plan, I have purchased it 5 Years back. I have all of my NAV's invested in opportunity fund from the beginning. Currently, I am getting the good returns almost 19%. Kindly suggest, if I need to continue with it or shall I discontinue it now. Premium: 85K / Year. Premium Payment Term : 15 Years( 10 More Years ) Total Invested Amt : 4.28 Lacs Current Value : 7.3 Lacs 1) I do have term plans 2.5 Cr cover 2) SIP 23K / Month

@richardvas6384 11 ай бұрын

Mandeep I have subscribed to your chanel and I must say that you both provide vital information. As a lay person I am sure many of us fall into such traps. I would really appreciate if you all could cover a topic wherein one would understand the process claiming Mutual Funds, Shares, transfer of property for a person who's parents had no nomination.

@LabourLawAdvisor 11 ай бұрын

thank you, i am adding this to our list of research, might take some time because unfortunately this process is very poor and tedious

@soumenghosh Жыл бұрын

Thanks thanks thanks so very much.... You guys are earning respect each and every day... This kind of educational content, at free of cost, is much appreciated... Thanks again.. Keep up the excellent work... Love from West Bengal.

@mathacademy8045 Жыл бұрын

Sir , should a govt employee buy a term plan where there is a job for his family member on the compensate ground in uncertain death?

@gohilchetan2198 Жыл бұрын

Wah sir... superb very good knowledge sharing video...keep it up

@lmaoidgaf Жыл бұрын

Soo detailed video.... I don't think anyone will counter now, as they did on old videos 😂😂

@tatai7308 Жыл бұрын

You are great financial teacher...thnx a lot

@sushant6295 6 ай бұрын

Hi. Great video as always! If I come under 30 % tax bracket, on maturity of mf and ulips which will be considered as my income. Do I have to pay income tax on both?

@omkarkodgirwar3893 Жыл бұрын

Tomorrow I am going to buy the ulip and today I watched your video.., Thanks LLA team ❤ for for guide us what to buy...what not.

@deveshjain2438 Жыл бұрын

Term insurance and mutual fund investment dono alag alag hi best hai...

@MrPkncool 11 ай бұрын

Thanks!

@harshitsinha2174 Жыл бұрын

Can u please explain about variable and fixed pay

@gketan30 Жыл бұрын

Thanks for the video. Now, I don't have any ULIP, but my elder brother has different ULIPs (all of LIC), bought in tenure of 10 years (so some are 10 years old whereas some are 1 -2 years old). Now, he lives in another state and he is not going to check the returns. I have to do it. I have his LIC account access, so only check what is shown there and there is very few details that on the basis of that I can not make decisions. So, now how to take decisions that I should cancel these ULIPs or not.

@77850dm Жыл бұрын

Is there any remedy to claim both i.e. sum insured and investment return, by filing any complaint in consumer court or by filing civil suit?