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What is Return of Premium Term Insurance?

Term insurance is the simplest and most basic life insurance plan. It focuses on offering the nominee the sum assured in case of the policyholder’s death. To be eligible for the death benefits offered under the plan, the policyholder has to pay the premiums on time. 

2 years agoRead More
Top-up on a Personal Loan - Key Points to Consider

A personal loan comes with many benefits and can prove to be a stress-relief in case of financial emergencies. If you have already sourced one and are now faced with a sudden large expense need like a marriage, you have two options:

2 years agoRead More
Should You Buy Top-Up Health Insurance?

The need for health insurance is more relevant than ever before. There’s a huge increase in the prevalence of lifestyle diseases and not to underestimate the associated medical costs. Rising medical costs can burn a hole in anyone’s pocket if not for health insurance.

2 years agoRead More
Reasons Why Your Business Loan was Rejected & Ways to Overcome It

Business loans are essential for any business operations especially if it is ready to expand or has many market opportunities available to explore. While availing a business loan may sometimes be tricky, especially if it’s a new business, there are many ways in which it can be easily sought.

2 years agoRead More
Do You Need Critical Illness Insurance Cover? Find Out Now.

A major illness could have a devastating impact on the patient and his/her family. It often translates into significant medical expenses and may leave the family struggling with daily finances.

2 years agoRead More
How to Set Up a Debt Repayment Plan?

A lot of people take on multiple loans to fund their requirements. This can lead to debt accumulation over time. Some of the debt may be good such as a home loan or a car loan since these are secured loans.

2 years agoRead More
Customize Your Life Insurance Policy to Fit your Specific Needs with Riders

Life insurance policies are essentially meant to cover the risk of early death. These act as financial support or income replacement tools. Despite this, one could face various uncertain and sudden risks in life and in such situations, even a term insurance plan could be of limited use.

2 years agoRead More
9 Key Factors to Look For Before Buying Personal Accident Insurance

Vaid, a software engineer, the only breadwinner of his family met with an accident on his way back home from office. He suffered multiple injuries and lost his ability to walk in the accident.

2 years agoRead More
Digital Health Insurance Claim: What is it & how to get it done online?

An insurance claim is a challenging process for many as it involves dealing with the grief of the loss of a loved one or a medical emergency, as well as going through the hassle of umpteen paperwork which has to be submitted physically.

2 years agoRead More
Guide to Debt Settlement: How it Works & Potential Risks

Are you considering debt settlement for repayment of your dues? Ever heard of debt settlement where you pay a one-time sum to be freed of your debts? Does that sound too good to be true?

2 years agoRead More
Which is the Best Child Insurance Plan in India 2021?

Securing a child’s future is the topmost priority of every parent. However, this is not an easy task as most people focus on building a strong financial cushion to safeguard their child while struggling to have enough funds when needed.

2 years agoRead More
Credit Card Debt Negotiation: How to Negotiate Effectively

Remember the first time you got a credit card? It would possibly have been one of the most financially liberating experiences for sure! The small pleasure of purchasing things you always wanted or buying subscriptions which otherwise seemed overpriced.

2 years agoRead More
8 Smart Ways To Reduce Life Insurance Premiums

Life insurance is a must in today’s world not just for you but your entire family. We can never know what life has in store for us, and if life throws a curveball at us, we need a Plan B to take care of our family, when we are no longer around.

2 years agoRead More
6 Reasons Why You Should Invest in NPS in 2021

Investment planning is not alien to Indians. When it comes to thriftiness and future planning, no one can beat Indians. Also, saving for a rainy day is imbibed in Indian culture for centuries.

2 years agoRead More
Taking a Flat Rate Loan? Here’s Why You Should Be Cautious.

A financial need can sometimes push buyers to borrow loans that are easily available from banks and financial institutions. While this is good for the lender, it is not often positive for borrowers.

2 years agoRead More
Why Do Banks Write Off Bad Debt?

Have you ever wondered why banks announce that they’re writing off bad debt? After all, isn’t that it a loss for the bank that they are unable to recover the costs? Continue reading to understand what is a write off and why banks do it.

2 years agoRead More
Find Out Why Your Credit Score Won’t Be Impacted if You Opt for Loan Restructuring

The Covid-19 pandemic saw various relief measures being approved by the RBI to ease the financial burdens of individual borrowers. These measures were then implemented by banks and other financial institutions to reach each and every eligible borrower.

2 years agoRead More
What To Do If You Have A Negative Balance on Your Credit Card Account?

Imagine logging into your credit card account portal and seeing a negative balance! It may alarm you and you may have questions such as how did this happen? Why do I have a negative balance in my credit card account?

2 years agoRead More
Will UPI Transactions Be Charged?

UPI (Unified Payments Interface) is a virtual platform that allows users to send and receive money in real-time using a VPA (Virtual Payment Address) and a UPI PIN. It is the most popular and user-friendly payment option in Digital India, owing to its low cost. However, there has been a lot of press recently about anticipated changes to UPI rates.

2 years agoRead More
What is the meaning of ‘Closed’, ‘Settled’ and ‘Written Off’ in your credit report?

A healthy credit report and score increases your probabilities of securing a loan/credit card at the best possible interest rates. According to credit data analysis of top credit bureaus, 70% of loans and credit cards were approved for people who had a credit score of 750 and higher.

2 years agoRead More
Understanding The Impact of Loan Settlement On Your Credit Score & Profile

Loan settlement is often mistaken as loan closure. But they are not the same. Loan closure is when you pay off all your EMIs on time and complete repayments as scheduled. In this case, the lender closes your loan account on payment of the final EMI and issues a NOC (No Objection Certificate).

2 years agoRead More

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