Has anybody availed term insurance policy (ICICI Pru)? Is it really worth taking?
I got married last year, my wife is working and i have a single parent, who is a government servant herself. Seeing a lot of unfortunate scenarios around makes me scared at times and i am giving thoughts to such back-up options these days
Please suggest?

like
Posting as :
works at
You are currently posting as works at

You can go for 50lakhs cover.. But this can only taken up on single individual

Also try max life their solvency vs claim ratio is high

Choose for 85 years

Before taking life insurance, take a full body checkup, submit those documents along while purchasing coz they might reject your offer

You can take 1cr by dividing it by 2
50lakhs policy on max
50lakhs policy on icici

If any one of the claim gets rejected.. You might have another to get lumpsum from

Make sure you are not a smoker where there are more benefits for non smoker

like

Thanks for your suggestion! I will look for Max life as well

How much are we talking about

1 or 2cr

Related Posts

I’ve gained about 10 lbs these last 5 weeks and now my punishment will be losing 20 lbs in 3 weeks

likefunny

Aside from short term emergency declarations where visas are handed out, has anyone found any countries that provide a visa due to a skill shortage, or carriers that offer sponsorship for senior insurance professionals? Curious mostly about Europe and Oceania.

like

Would anyone be interested in participating in a research study? The only requirements are to be a school district employee and have a child in the district with special needs. Please help!!!

like

Need help here,
Due to health issues I resigned from paytm in just 2 months.
5.2 lpa was the CTC.
Which skill i can learn that lead me for a higher package.
Total YoE : 3.5 years
Knowledge: SQL, Clevertap(basics), Digital Marketing

please help me here

like

I am so conflicted and not sure what to do. A company I wanted to work for was not ready for hire when I first reached out in Sept. Since then I have accepted a job at a outpatient oncology clinic, starting in Jan at a renowned hosp. Having said that the other company does more of what I was hoping to do when I left my previous job. The company is a vessel for new ideas in healthcare helping their community specifically with seed funding, & launching their own programs. I have no idea what to do

like

I was trying to figure out what my personality trait was a few days ago. It’s depression, my personality trait aside from work is depression

like

Hi, anyone ever try using a ovulation test as a positive result for pregnancy test? I had an LH surge couple of weeks back and for the past few days my breasts are tender and I am having some taste aversions like yesterday yoghurt tasted like mud. Since my cycle is irregular I took another ovulation test today morning and it came back positive. This is my first time going through this and I am confused as to what is going on. Can I take a pregnancy test middle of the day?

like

What is better option GSK Health consumer now Haleon or Stryker with same Package. ?

like

When did you tell work about your pregnancy?

Anyone else here looking to make a switch into healthcare (physician, nurse, etc)?

like

What is the drug culture like at your office? I assume people don’t openly talk about what they do in their free time if illicit, but they may do so quietly or you can otherwise tell.
Do you get the impression many people do them? If so, soft drugs (ex - weed)? Hard drugs? Non-prescribed study drugs? Frequency? At work-sponsored social functions? To an extent that it’s noticeable/problematic?

likefunny

Type of work in Deloitte ops transformation in health care. Is it just tech?

likehelpful

My company is trying to get us all to vaccinate, even though I work remotely. Is this unconstitutional?

like

Anyone know US car insurance companies that recognize Canadian driving history/experience?

like

Can anyone from FTI speak to their benefits? 401k match, healthcare, etc?

like

Any utilization review nurses working at an insurance company able to share if your company requires work on weekend/holidays? If so, what work do you do on weekend/holidays snd do you work s full day on those days?

like

Looking to get out of a firm that does majority insurance defense and into BL commercial lit. Wondering if anyone has successfully done this as a first or second year, and if they have any advice on making the switch?

like

Best place to research salaries? I’m getting a wide range. Glassdoor is “highly confident.” Should I be highly confident in their range? I’m researching a Sr. Director Corporate Communications role in a major health care org. HELP!

like

Anyone in Kearney’s healthcare practice open to chatting?

like

More Posts

I have 5 years in insurance sales experience, how can I break into tech industry through customer Success?

like

What’s a great starting salary in the banking world? Just so I know how to negotiate

 I heard a commercial on the radio for Verizon that said something to the effect that parents are now learning how to lesson plan. Are any of you off the hook for lesson planning? Just wondering because I’m over here busting my butt!

funnylikehelpful

Does anyone know a good Laptop for $1100 that would have the following specifications: Intel I5 10th Gen, processor, 512GB SSD, 16 GB RAM with Windows pro, with at least a year of warranty?

like

Is there any advantage to telling a company you are interested in working for in the future where you decided to accept an offer from? Or does it not matter? I accepted an offer a week ago with a great company (Company A) that for this season in my life seems like a great fit and only strengthens what I have to offer company B down the road. Company B just sent me a request for interview and I want to keep the door open with Company B but they were just very late in extending an interview.

likehelpful

Is WDC is a value buy?

like

Can I sue a company for posting my address on social media (cont’d)

like

Did you recently remodel your bathroom? Would love GC recommendations. 🙏🏼 As advertising folks, I am assuming you have good design sensibilities and taste. Where did you look for inspiration?

like

What is role of Agile COE in Wipro. How this COE works in Wipro?
It it worth to join Scrum Master in Wipro.?
Any onsite / Promotion Opportunities for ScrumMaster

like

I’m currently a Risk Analyst and a full time MBA student. I don’t have any experience working on the investment side of the bank but I would really like to pivot into an investment analyst role. I’m from America, but currently working in London and would really like to stay here. Does anyone have any tips or advise that might help me land an investment analyst role in London?

like

Hi, I am looking for a referral at Barclays , I have the job ID with me. Can someone please help me? Thanks in advance

like

Do T2 consulting firms (think Kearney, OW) and MBB hire experienced professionals WITHOUT MBA (I.e., is a prestigious MBA mandatory in the region?). I already have a post-MBA position

like

How do you handle people complaining about store policies? I don't make the rules, but I don't want to be rude

like

What are Auditors making at start ups/unicorns? Obviously the Software Engineers are the ones making small fortunes, but what about Auditors? Are they granted a good chunk of equity as well?

like

Moving to Austin end of this year, with a new baby.

With ~$500k HHI and almost no debt, in which neighborhood can we practically afford a house? We do outdoorsy stuff (mtb biking, kayaking etc.) and also have a dog that likes to run.

Any suggestions are appreciated! 🙏🏽🙏🏽

like

35M. Friend zoned after one date. What am I doing wrong? I met her at a baby shower. We talked/text regular for about a month or so because I was traveling for work. Finally went on a date about two weeks ago, a week after I told her I like her and said she never thought about us being romantic. Today I got the official friend zoned text.

like

If it’s true that you can gain full immunity after recovering from COVID (when science says so ofc), will the plan be to antibody test people and let them resume daily life if they have immunity?

like

What are salary rates for an Art Director in NYC these days? $90k $80k?

like

As someone who isn't a PoC I'm always unsure of how I should refer to others correctly. 2nd question:

If referring to the only minority on another team is saying "the Asian/black/etc" guy offensive?

like

I’m a new associate working for a well-known defense attorney in my state. On one hand, I’m thankful for the opportunity to learn from one of the best, but he also excoriates and belittles me for my mistakes. Any advice on how much it tolerable? I am here to learn and advance my career but he can be pretty nasty. (My mistakes are no worse than you’d expect a 1st year associate to make, in case you’re all wondering if I’m a major screw-up who deserves it) I leave work feeling a foot tall.

Additional Posts in Investing and Personal Finance

From where do we get Form 26AS?

like

Markets in red🔻 Good day to invest?
Current portfolio down by 7%
What is the ideal number of funds to invest in if monthly budget for SIP is 40K?

like

I have savings of 5 lac INR and want to invest it somewhere. What should I choose?

like

Crypto, any idea about Shiba Inu?

like

Any good mf with less tracking error to invest in us equity.

like

Hi Fishes! I got this job offer recently, would like some advise on the salary breakup side of it. Please help me understand what the optimal breakup would be from a tax saving pov for this ctc

Post Photo
like

KEC International looks good to buy around 350 levels

like

I'm 21, trying to build wealth. I need your help!

In the next 5 years, I plan on buying a house but there are so many investment options, I don't know what to choose.

I can invest upto 30,000 a month, please suggest!

The current state of market has me confused. I need an AR of 10-15% with Medium-High to Very High Risk profile.

Thanks!

likesmart

Hi All. What is the best way to allocate 25 Lakh INR in savings into different investments to maximize returns. I recently moved out of India so Tax rebate is not a consideration for me. I already have 6 lakh plus invested in PF and MFs but I want to invest more as my money is getting depreciated in the savings bank account.

I also have an education loan with balance of 7 lakhs which I am planning to repay in lumpsum as there is no tax exemption now.

like

hello, in elss is mirrae tax saver good or quant tax plan?

like

Anybody having experience good/bad about investing through Wint Wealth? Seems like a good way to diversify the liquid portion of the portfolio......if I am greedy this looks better than those liquid funds and a 100% safer than those too.
Also what independence disclosures will apply after the NSDL being made mandatory brokerage account....for Wint Wealth related investments

like

Celebrate azadi ka amrit mahotsav and reach your financial freedom when India will be celebrating 100 years of independence. 🇮🇳🇮🇳
DM me on 7019194829 for more details!!

Post Photo
like

I am 29F and earning 13LPA. I have been working for 4 years of which 3.5 years I had very low pay and close to 0 savings. I have been able to save 6L now.

My investments below:
* Elss funds - 2 (total 1.5L annually)
* Large cap mutual funds - 6 (total 40K sip per month) current portfolio of 4L
* FDs - 2 of 25K each
*Medical insurance - company provided

Can someone advice if this is a good investment plan for future? What can I do better? Do I need another Insurance? Where else to invest?

likehelpful

Hi fishes,
Currently I am invested in two mutual funds:
UTI nifty index
Parag parikh flexi

Which other MFs are worth investing?

like

My ctc shows 10lpa + 20lac esops. But I'm not sure if I'll get this 20lac stocks for free or do i need to buy them by paying? Distribution is 4lac per year for 4 years. Pls explain.

like

Hi fishes, need urgent advice. How is the HDFC Index Sensex Plan? I have invested 75K but it's in loss as all others. Should I continue to average it out or stop investing in it? The loss is higher in this compared to other funds.

likehelpful

Hi Fishes,

I want to know tax saving options as I am new to it so please let me know in what all options I can invest and save more money. Please help.

Salary : 14 lpa

like

Is anyone investing in liquid funds? How do they benefit and what are their returns?
Recommendations are welcome.

like

How to invest in Direct Growth Funds? I've created a CAN ID using MF Utilities. It asks me to login and proceed but I don't have my login ID generated. Should I wait for more time as my CAN ID was approved only yesterday?

like

My mother is going to get retired from her government job next week and will recieve her one time payout of close to 90 lakhs by the end of the month
The amount is non taxable but any profit earned from the amount will be taxable. Where should the amount be invested?(next 8-10 year horizon)
1. Buying a 3 bhk flat for around 95 lakhs in Sec 31 Gurgaon.
2. Put all the money in FD and live off of interest.
3. She is not very ecstatic about investing in stocks.
4. Gold?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal