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We strongly recommend to most families that they should buy life insurance coverage for both partners in a marriage. While the necessity for getting insured all the time might not seem important, especially to the young and healthy, accidents and tragedies, unfortunately, do occur.
In the unexpected event of the death of a husband or wife, financial pressures can certainly add up for a family (even if the deceased wasn't working). This is often why life insurance is crucial for both spouses in a marriage. The surviving member of the family may also need to take days off from work and make different career decisions that he/she would normally not be forced to form.
Very often, families take life insurance coverage only for the primary breadwinner of the family. This is because, if something unexpected were to happen to the breadwinner the family will lose their sole source of income. So, they take life coverage for the breadwinner.
You need to consider the other side of the coin as well. Let’s say, your wife is a homemaker. Though she may not contribute monetarily to the family, she does tons of unpaid labour for the smooth functioning of the family. In her absence, you will have to hire extra help - cook, housekeeper, daycare for the children, driver, etc.
It doesn’t matter whether your spouse is working or a stay-at-home partner. Life insurance coverage is a must for both the partners in a marriage. You can opt for term life plans that offer huge death benefits at a nominal premium. While you'll never be ready to fill the emotional void after your spouse’s death, life insurance will definitely help to offset his/her financial contribution.
A CIBIL™ score is a three digit number between 300 and 900 that gives potential lenders a quick idea of your loan
Credit repair involves rebuilding your credit health to a level where you become eligible for loans.
A credit report is a history of your credit behaviour and contains detailed information on all your loan and credit
A credit rating - also known as a credit score - is a 3 digit number between 300-900 that gives potential lenders
A bad credit score is generally one that is less than 650. A credit score is a three digit number in the range of 300-900
Yes. In fact, a credit score of 850 is very good! Most lenders look for a minimum credit score of 750 to approve loans
There are several ways in which you can improve your credit score. Depending on how good or bad your score is,
Is 800 a good credit score? Yes. In fact, a credit score of 800 is very good! Only a small percentage of people reach,
Is it possible to obtain a free credit check or credit report? The answer is yes and no!
Your CIBIL™ Score plays an important role in getting loans and credit cards sanctioned, because it gives lenders
It is not possible for anyone, either lenders or borrowers, to get a CIBIL™ score or credit report for free.
It is important to know that there is no such thing as a CIBIL™ defaulter list. There used to be a defaulter list earlier,
There is really no number that can be established as the average credit score in India. Many people see regular
You can repair your credit absolutely free if you do it yourself! However, many people choose to get professional help
First, it is important to note that there is no ‘Defaulters List’ that is maintained or circulated by CIBIL™ or any of the other
Sourav and Ankit are watching the New York Marathon on TV and decide that they want to run a marathon.
In India, the best credit score to have is one that is 750 or above. The three credit rating agencies that operate in India
Is a credit score of 700 good? While it is not a very bad score, it is not good enough to automatically qualify
It is difficult to get a loan with a credit score of 650. Most banks look for a minimum score of 750 when deciding
It is not likely that you will get a loan with a credit score of 600. Most banks look for a minimum score of 750
It is difficult to get a loan with a credit score of 550. Most banks look for a minimum score of 750 when deciding
A poor CIBIL™ score can increase your financial problems and make it difficult to access credit, whether as a loan or credit.
One common worry that runs through your mind after you have made a credit card settlement is,
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