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EXPECTATIONS
Lint Roller? I Barely Know Her
if i look back, i am lost
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izzy's playlists!
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@sameer123jugal
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Exide Life Insurance Company Limited, an established and profitable life insurance company, commenced operations in 2001-02 and is head quartered in Bengaluru. The company is 100% owned by Exide Industries Limited. The company serves over 15 lakh customers and manages assets of over INR 15,000 Crores.
During the financial year 2018-19, the company achieved Total Premium Income of over INR 2,800 crores. Exide Life Insurance distributes its products through multi-channels viz. Agency, Banc assurance, Corporate Agency & Broking, Direct Channel and Online. The Agency channel comprises of 45,000+ advisors who are attached to over 200 company offices across the country. The company also offers group life insurance solutions.
The company is focused on providing long term protection and savings solution plans and has a strong traditional product portfolio with a consistent bonus track record. The company has ISO 9001:2015 quality certification for all Customer Service processes and the ISO/IEC 27001:2013 for information security management.
Exide Life Term Rider :Traditional plans for enhanced life cover at a nominal additional premium.
Get up to double life cover
2Benefit at a nominal additional premium
3Tax savings on premium and benefit amount
Existing customers of Exide Life Insurance or Individuals looking to enhance their protection can do so by opting for a term rider at the time of policy renewal or while purchasing a new traditional policy respectively.
4 Ways to Cover Joint Life With Group Micro Term Insurance
Life is full of uncertainties. Protecting your loved ones in case of any future eventuality is our primary responsibility. To cater this need, Exide Life Group Micro Term Insurance is an affordable and cost effective Non-Participating - Non Linked Group Micro Insurance Plan which helps in protecting and safeguarding your loved ones.
4 Reasons To Buy This Plan
a. Provide Life cover to the members at a nominal cost.
b. Option to choose Two Year Single Premium Contract.
c. Option to choose a Joint Life cover with spouse coverage at attractive rates.
d. Available without any Medical examinations.
Who should buy this plan?
The product is specially design to cater the employees of Micro Finance institutions, co-operatives and Members/employees of the other homogenous groups.
Step 1: The master policyholder has the option to choose between the two available variants for the group:
Variant 1 – One Year Renewable Term. Variant 2 – Two Year Single Premium Option
Step 2: The Sum Assured for each member shall be proposed by The Master Policyholder and may vary from one member to another.
Step 3: The member in the group has the option to cover his/her spouse by choosing the Joint Life option available under both variants.
Step 4: The benefit under both the variants are payable on the death of the member. Under Joint Life, the benefit is payable on the death of first life and the policy will terminate after the payment of death benefit on the first life and cover on second life ceases
QROPS: Advantages and Disadvantages of Transferring Your UK Pension
At times, people living and working abroad do not wish to settle there and come back to their native country. In such scenarios, moving their pension overseas is ideal. While the schemes vary for different countries, transferring their pension or term policy options to a Qualifying Recognised Overseas Pension Scheme (QROPS) is a popular option available to UK employees.
What is QROPS?
Approved by HM Revenues & Customs (HMRC), a Qualifying Recognised Overseas Pension Scheme (QROPS) is an overseas pension plan for individuals who worked in the UK, made contributions to the UK pension schemes and now want to move back to their native countries. The individual can transfer this pension corpus to a pension scheme, which is registered as QROPS. These transfers are called as recognised transfers and are usually made without tax deduction provided the member meets certain criteria.
In order to receive HMRC approval, you must meet the following requirements:
The term policy must be recognised for tax purposes by the equivalent tax authority of the country where it is based
The scheme must be recognised by an appropriate locally-based regulator so that the administration can be monitored accordingly
Retirement benefits are not allowed before the age of 55.
The scheme must be based in an EU member state/country where the UK has a tax information exchange agreement
What are the advantages and disadvantages of QROPS?
Now that we know what QROPS mean, here are the advantages and disadvantages of the same.
Advantages
Ability to have all your pension funds at the place where you reside instead of spread across different jurisdictions
Pension drawn can be from the age of 55 years
QROPS are offered with attractive benefits
Flexible access to funds without obliging to purchase an annuity
Transfer to a varied range of currency options available
Access to a range of investment options
Favourable tax treatment in the country you reside
Disadvantages
An overseas tax charge of 25% is to be incurred when opting for QROPS
Benefits provided under QROPS may not match in comparison to UK pension
Added cost in the form of advisor’s fees and charges
Fluctuations in the exchange rate if the QROPS is not based in your resident territory
Before you plan to transfer your UK pension to QROPS, it is strictly advisable to seek the guidance of a pensions expert to understand if this move is suitable for you.
A Complete Guide to a Retirement Plan
All of us want our golden years to be comfortable and stress-free. In fact, the latest trends have indicated that people are opting for early retirement in order to spend more time with family.
The following is a comprehensive guide of retirement planning, including its features and the best retirement plan as per your needs.
What is a retirement plan?
A retirement plan is setting aside an amount for your golden years that will enable a smooth and comfortable life. With a structured plan, retirement planning can help you to handle various factors, including surpluses, shortfalls, and emergencies and understand how quickly you can meet your financial goals.
Types of retirement plan
While the features are common, the types can vary basis the type of the retirement plan.
Retirement plans by insurance companies
Such plans involve using part of the premium amount to provide life cover while the remaining is used to build a corpus for your retirement. The retirement amount is invested in low-risk assets to avoid excess volatility in returns.
Retirement planning by mutual funds
Some mutual funds offer investment in pension plans approved by the government with a balanced fund of 40:60 equity-debt allocation. However, in these cases, only one fund option is offered to investors.
Features of Retirement Plans
Some of the features of such plans are:
Guaranteed pension: The real feature of retirement planning is the regular income guaranteed. A pension scheme ensures a steady income and helps you live a fulfilling life post-retirement.
Tax-efficient: Investing in a retirement plan also ensures tax deduction under Section 80CCC of the Income Tax Act of India, 1961. Investors can avail a tax exemption up to ₹1.5 lakhs for their contribution.
Accumulation stage: The accumulation stage in retirement planning is higher for deferred annuity plans. The regular pension scheme is activated post payment of a few premium schedules.
Vesting period: The period from when the pension scheme begins ranges between 45 to 50 years, but some plans allow vesting age till 90 years.
Liquidity: Certain plans offer partial withdrawals for investors to take care of their liquidity needs.
Surrender value: Although most retirement plans are long-term if a person wishes to discontinue, the company pays the surrender amount, which is the sum of all the premiums paid.
Retirement planning should be started as early as possible and not left for old age. Regular contributions can make your future secure and help in leading a respectable life post-retirement.
Exide Life Smart Term Plan, a unique plan that offers you comprehensive protection options and returns the total premiums paid by you on completion of policy term. Read more details here... http://bit.ly/3cfMvGD
ULIP Benefits You Should Know About
There are many forms of life insurance, and one of the most preferred are the ULIP plans. Unit Linked Investment Plan or ULIP plans serve a dual purpose. Now let us first understand what is a ULIP Plan? This form of life insurance plan provides you with the benefit of insurance coverage as well as investment options. Under the best ULIP plans in India, you can choose to invest part of your funds into investments which may be equity, debt, or balanced. Most risk-takers opt for equity-oriented securities whereas, risk-averse choose debt funds. However, you can choose to switch your investment into various categories depending on the market situation and its volatility.
Now that we understand what is a ULIP plan, let us be familiarized with the numerous benefits attached to it. Some of these include:
High Returns
Unlike most insurance plans, ULIP plans offer you the option to earn high returns. You can invest part of your proceeds into equities which offer high returns, though at relatively higher risk. They do have the potential to offer high returns.
Tax Saving
Being a form of life insurance, the ULIP plans in India are eligible for tax deductions and benefits under Section 80C and Section 10(10D). Thus, it’s one of the most lucrative investments too.
Investment Flexibility
Under a ULIP plan, during the period of your insurance, you are free to switch between your investments. If you had initially opted for equity but on account of the market’s volatility, you would want to switch to debt, ULIP plans give you the option to switch depending on your current risk appetite.
Liquidity
The best ULIP plans in India offer you a lock-in period of just five years. Post completion of the same, you can withdraw the entire amount without any hassle. Thus, offering you the option to cash out immediately without any impact on the returns.
Transparency and Full Disclosures
ULIP Plans are considered to be highly transparent and open in terms of their charges and fees. No hidden fees or charges are found in the fine print, thereby, making it a hit amongst most investors.
Risk Mitigation
Not only do the best ULIP plans in India help you to achieve your short-term goals through investments but also your long-term goals of insurance coverage. It is a great option for investors who wish to create and grow their wealth while managing associated risks attached to them.
Budget 2020 - Save Tax Smartly
With the new tax rules in place, you have the option to save more on your taxes even though the tax deduction has been done away with. The new tax rules are optional, and taxpayers have the choice to stay in the existing tax regime or shift to the new one. However, the tax savings needs to be discussed so that you can get an idea of how it works so that you can formulate your tax saving plans accordingly.
What Are the New Tax Rates?
In order to gradually do away with the tax exemptions, the government has come up with an optional new tax regime that introduces new tax slabs facilitating that taxpayer to save more by the lower tax. The basic slab of below ₹5 lakhs income per annum remains the same as the individuals in this bracket do not have to pay any taxes.
However, a new tax bracket of ₹5 lakh to ₹7.5 lakh has been brought in order minimise the existing tax from 20% to 10%. Moreover, the slab from ₹7.5 to ₹10 lakh will have charged at the rate of 15%. Furthermore, two another tax slabs one of which is ₹10 lakh to ₹12.5 and other ₹12.5 to ₹15 lakh has been introduced that will have the tax incidence of 20% and 25% instead of a flat 30%.
Post-budget Tax Saving Plans
As already mentioned, the new tax regime does not have much of tax-saving provision, which is why the rates have been reduced. This has also reduced the complications of tax saving plans that were present in the old regime. Nonetheless, the tax can be saved due to the lower tax rates leaving you with more disposable income to spend on your regular expenses. In addition, with no such limit of ₹1.5 lakhs or ₹2 lakhs exemption, you can go for investment plans such as mutual funds or a life insurance policy that suits your income level.
For example, if you are in the taxable income in the new bracket is ₹7.5 lakhs, then your tax incidence would be ₹75,000 leaving with you the rest amount to meet your expenditures. If it is compared to the old regime, where after exemptions under Section 80C and 80D as well as Section 24, the tax incidence is low, but the disposable income is also reduced due to the investments.
Nevertheless, you can always continue with the old regime and avail the exemptions available.
How To Evaluate Your Term Plan Quote
One of the most popular financial tools among people is the term insurance. Compared to the other policies and their clauses, term insurances are rather easy to comprehend, and they are also very cost-effective. In this type of life insurance policy, coverage is provided for a specific period of time. If the insurer dies within that period, the death benefit is provided to the benefactors.
Term insurance quote
While opting for term insurance you receive a quote that determines the premium that you have to pay at stipulated times to run your insurance. However, this quote is not fixed arbitrarily. While some components of the quote are statutory additions, others are determined based on the type of coverage or the additional options that you may have chosen. Getting a thorough insight on this may be beneficial for evaluating your term plan quote.
Age factor
Term insurances have no cash value. That is, the death benefit is the only guaranteed value that one can gain out of this policy. As such age becomes an important determining factor. The obvious reason for this is that as one age, the “health risk” also keeps increasing which in turn increases the risk of the insurer. The term insurance calculator shows the variation that comes with age. That is why if one is opting for a term insurance, it is always advisable to go for it as early as possible.
The premium base
The minimum amount that is required in order to get the life cover without any sort of additional benefit or riders or tax additions is known as the base premium. Using the term plan calculator, the insurer determines the amount based on factors such as age, gender, smoking habits and the like of the person who is to be insured. It is a general trend that the base premium of the online term insurance plans is usually lower than the offline plans owning to lower-cost distribution.
Riders
Riders refer to the additional benefits and coverage that you opt for along with your basic plan. Each of the riders-accidental coverage, critical illness, disability and the like has a certain amount that gets added to the base premium. Again this is calculated using the term insurance premium calculator.
Apart from that, the service taxes for the insurance, your medical evaluation test all play a critical role in determining your insurance. So, step ahead and evaluate your own term insurance quote today!
Golden Years Retirement Plan by Exide Life Insurance is one of the best retirement and pension plans in India which helps in retirement planning and secures your future.
Living in the UK and have decided to move back to India? Transfer your pension to India easily and without a worry. Visit the website for more information.
You can now transfer your pension savings to a Qualifying Recognised Overseas Pension Scheme (QROPS) in India, If you are an Indian or a Person of Indian Origin having accumulated Pension Funds in UK.
Apply for a keyman insurance today and reduce your business risks. With a slew of benefits like reduced taxable income, availability of needed funds etc, keyman insurance is an important financial tool for your business. Know More!
Keyman insurance is an absolute must for businesses in India, which are mostly run by family members. According to the insurance regulator, only term plans can be utilised for this insurance. Exide Life Insurance offers affordable term plans that help you secure your businesses’ future.
Exide Life Jeevan Uday, a savings plan with life insurance that has been designed to ensure a happier tomorrow for you and your family. Get the quote today!
Exide Life Jeevan Uday, a savings plan with life insurance that has been designed to ensure a happier tomorrow for you and your family. Get the quote today!
Enjoy a stress-free life with Exide Life Guaranteed Income Insurance Plan. Pay premium for few years and get guaranteed benefits like regular income. Know more!
Enjoy a stress-free life with Exide Life Guaranteed Income Insurance Plan. Pay premium for few years and get guaranteed benefits like regular income.