Overview

When your insurance advisor/agent recommends a certain insurance product for you, nine times out of ten, he/she is going to extol the virtues of the product what covers the product offers, the advantages of the buying the product, and so on.

That is only half the story told, actually.

What YOU need to find and equip yourself with are the exclusions in the life insurance policy. This is probably the most critical assessment of the policy's suitability where you are concerned.

Make sure that you go through the exclusions mentioned in the riders as well. They could well be different from the ones mentioned in your basic insurance plan.

Term Insurance: Exclusions

What does my family receive when I die within the term of my life insurance policy?

Death benefits depend on the type of policy purchased by the insured. ......

The death claim process is simple and the benefit is tax free

Make life easy after death . Fill in a form to file a death claim . It will be about four months before you can get the claim amount. ......

Term Life Insurance Plan

Term life insurance policies are the purest form of life insurance, as they do not offer any survival benefits, just death benefit. It is also the cheapest form of life insurance. ......

Endowment: Exclusions

Insurance is null and void if suicide is committed within a year

Death claims are not payable under certain circumstances in case of life insurance. ......

ULIP: Exclusions

How to collect maturity amount from insurer?

Getting maturity amount made easy , here's how .The insurer sends a discharge/claims form more than a month in advance of the policy maturity- here's your maturity claim. ......

Life Insurance FAQs on Premiums

Looking for easy options is there an easy way to pay your insurance premium ? Say, pay it automatically? Here are your answers. ......

ULIPs

ULIPs combine benefits of insurance and mutual funds, investing a portion of the insurance premium in debt funds or bonds or listed equities and gives a return on investment. ......

Childern's Plan: Exculsions

Important motor vehicle documents

There are some important vehicle documents such as a certificate of insurance, certificate of registration and a driving license that you need to keep handy. ......

GIC, Hannover Re join hands

General Insurance Corporation of India (GIC) Re and Hannover Re will come together and build up the life reinsurance business in India. ......

Money Back: Exculsions

Insurance is null and void if suicide is committed within a year

Death claims are not payable under certain circumstances in case of life insurance. ......

Decision-making Corner

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