Life insurance uli ps final
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ULIPs are unit-linked insurance plans that provide both life insurance coverage and investment opportunities. They allow customers to invest in various funds with different risk-reward profiles. ULIPs have certain charges associated with them and the value of customers' investments grows and declines with the net asset value of the underlying funds. In recent years, IRDA has introduced new regulations for ULIPs including longer lock-in periods and higher premium requirements to make them more long-term in nature.
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Ppt on ulips updatedt (1)
The document discusses various types of insurance policies and plans in India. It provides information on key regulatory bodies like IRDA and types of insurers. It also summarizes different kinds of life insurance policies including term plans, whole life plans, endowment plans, annuities and ULIPs (Unit Linked Insurance Plans). ULIPs are described as financial solutions that combine insurance protection with investment opportunities. The mechanics and benefits of ULIPs are explained.
Ulip ppt
The document discusses Unit Linked Insurance Plans (ULIPs), including:
- ULIPs allow policyholders to invest insurance premiums in different investment funds with varying risk levels like equity, debt, or balanced funds.
- ULIPs provide life insurance coverage while allowing policyholders to bear the investment risk of the underlying funds they choose.
- Features of ULIPs include investment options, liquidity through partial withdrawals, and the higher of sum assured or fund value being paid out at maturity or death.
Mutual fund or ULIP
Mutual funds and ULIPs (Unit Linked Insurance Policies) are both options for investment.
Mutual funds allow investors to pool money and invest in stocks, bonds, and other securities. Returns come from dividends, capital gains if securities are sold at a profit, and price increases in fund shares.
ULIPs provide a combination of insurance and investment. Returns depend on the performance of the underlying unit-linked funds and are not guaranteed. Investors bear the risk of investment losses.
The key differences between them are the modes of investment, expenses, portfolio disclosure requirements, flexibility in asset allocation, and available tax benefits. Mutual funds may be better for aggressive equity exposure while ULIPs can provide tax
Ulip vs mutual funds
The document compares and contrasts unit-linked insurance plans (ULIPs) and mutual funds. Both are investment options for individual investors that provide equity, debt, and hybrid funds. They calculate returns based on net asset value and measure investments in units. However, ULIPs provide insurance coverage in addition to investment benefits, have lock-in periods of 5 years for tax benefits, and are regulated by IRDA. Mutual funds only offer tax benefits for equity funds under ELSS, may not have lock-in periods, have better liquidity than ULIPs, and are regulated by SEBI. The best option depends on an individual's purpose, risk tolerance, life stage, investment discipline, and market knowledge.
ULIP
This document provides information about Unit Linked Insurance Plans (ULIPs) presented by Subrato Banerjee. It discusses the profile of ING Life Insurance Company, features of ULIPs such as flexibility, transparency, and tax benefits. It also outlines the various charges associated with ULIPs and guidelines from IRDA. Two ULIP plans from ING are highlighted - ING Market Shield which guarantees the highest NAV throughout the policy term, and ING Prospering Life which offers features like switching, partial withdrawal, and investment fund options with automatic asset allocation strategies.
Insurance why ulip
ULIPs provide investment for longer horizons with money invested according to IRDA regulations and require maintaining solvency margins. They offer multiple fund options under a single plan with no redemption pressure for 3 years and allow gains from switching funds without short-term capital gains. Mutual funds depend on daily market fluctuations and require overhauling portfolios often during bear markets. Short-term capital gains from mutual funds are taxable.
12 Favourite Sales Pitches Of A Life Insurance
The document discusses common misleading sales pitches used by life insurance agents to sell unit-linked insurance plans (ULIPs). Some examples provided include pitching ULIPs as "mutual funds with free insurance" when there are actually mortality charges, focusing only on past high returns of equity funds without mentioning benchmarks, and claiming plans can remain active after stopping premium payments for three years when costs will still be deducted. The reality is ULIPs bundle insurance with investment and have various charges, and past returns are not indicative of future performance. Consumers are advised to understand the product, check claims against benchmarks, and only take premium holidays if truly unable to pay otherwise it may erode returns.
Pension funds
Pension plans provide income for retirees. There are two main types - defined benefit plans where employers promise specific payments, and defined contribution plans where payments depend on contributions and investment returns. Pension regulation aims to ensure adequate funding and protect benefits, as some plans have failed to pay full benefits. The future of pensions may include growth in variety of plans and influence of large pension funds as major stockholders.
Recommended
Ppt on ulips updatedt (1)
The document discusses various types of insurance policies and plans in India. It provides information on key regulatory bodies like IRDA and types of insurers. It also summarizes different kinds of life insurance policies including term plans, whole life plans, endowment plans, annuities and ULIPs (Unit Linked Insurance Plans). ULIPs are described as financial solutions that combine insurance protection with investment opportunities. The mechanics and benefits of ULIPs are explained.
Ulip ppt
The document discusses Unit Linked Insurance Plans (ULIPs), including:
- ULIPs allow policyholders to invest insurance premiums in different investment funds with varying risk levels like equity, debt, or balanced funds.
- ULIPs provide life insurance coverage while allowing policyholders to bear the investment risk of the underlying funds they choose.
- Features of ULIPs include investment options, liquidity through partial withdrawals, and the higher of sum assured or fund value being paid out at maturity or death.
Mutual fund or ULIP
Mutual funds and ULIPs (Unit Linked Insurance Policies) are both options for investment.
Mutual funds allow investors to pool money and invest in stocks, bonds, and other securities. Returns come from dividends, capital gains if securities are sold at a profit, and price increases in fund shares.
ULIPs provide a combination of insurance and investment. Returns depend on the performance of the underlying unit-linked funds and are not guaranteed. Investors bear the risk of investment losses.
The key differences between them are the modes of investment, expenses, portfolio disclosure requirements, flexibility in asset allocation, and available tax benefits. Mutual funds may be better for aggressive equity exposure while ULIPs can provide tax
Ulip vs mutual funds
The document compares and contrasts unit-linked insurance plans (ULIPs) and mutual funds. Both are investment options for individual investors that provide equity, debt, and hybrid funds. They calculate returns based on net asset value and measure investments in units. However, ULIPs provide insurance coverage in addition to investment benefits, have lock-in periods of 5 years for tax benefits, and are regulated by IRDA. Mutual funds only offer tax benefits for equity funds under ELSS, may not have lock-in periods, have better liquidity than ULIPs, and are regulated by SEBI. The best option depends on an individual's purpose, risk tolerance, life stage, investment discipline, and market knowledge.
ULIP
This document provides information about Unit Linked Insurance Plans (ULIPs) presented by Subrato Banerjee. It discusses the profile of ING Life Insurance Company, features of ULIPs such as flexibility, transparency, and tax benefits. It also outlines the various charges associated with ULIPs and guidelines from IRDA. Two ULIP plans from ING are highlighted - ING Market Shield which guarantees the highest NAV throughout the policy term, and ING Prospering Life which offers features like switching, partial withdrawal, and investment fund options with automatic asset allocation strategies.
Insurance why ulip
ULIPs provide investment for longer horizons with money invested according to IRDA regulations and require maintaining solvency margins. They offer multiple fund options under a single plan with no redemption pressure for 3 years and allow gains from switching funds without short-term capital gains. Mutual funds depend on daily market fluctuations and require overhauling portfolios often during bear markets. Short-term capital gains from mutual funds are taxable.
12 Favourite Sales Pitches Of A Life Insurance
The document discusses common misleading sales pitches used by life insurance agents to sell unit-linked insurance plans (ULIPs). Some examples provided include pitching ULIPs as "mutual funds with free insurance" when there are actually mortality charges, focusing only on past high returns of equity funds without mentioning benchmarks, and claiming plans can remain active after stopping premium payments for three years when costs will still be deducted. The reality is ULIPs bundle insurance with investment and have various charges, and past returns are not indicative of future performance. Consumers are advised to understand the product, check claims against benchmarks, and only take premium holidays if truly unable to pay otherwise it may erode returns.
Pension funds
Pension plans provide income for retirees. There are two main types - defined benefit plans where employers promise specific payments, and defined contribution plans where payments depend on contributions and investment returns. Pension regulation aims to ensure adequate funding and protect benefits, as some plans have failed to pay full benefits. The future of pensions may include growth in variety of plans and influence of large pension funds as major stockholders.
2nd chapter
This document provides an overview of investments. It defines an investment as a commitment of funds made with the expectation of a positive return. The document discusses the financial and economic meanings of investment. It also outlines the key characteristics of investments such as return, risk, safety, and liquidity. The objectives of investment are described as maximizing return while minimizing risk and hedging against inflation. The differences between investments and speculations are explained in terms of risk, capital gains, and time period. Various types and avenues of investments are also presented, including corporate securities, deposits, mutual funds, government securities, life insurance policies, and provident funds.
Insurance Companies
Insurance companies face various risks including technical risk from inaccurate risk assessment, credit risk from policyholder loans, market risk from investments, and operational risks. They assess and mitigate risks through techniques like reinsurance, hedging, controlling large losses, and smoothing results. Regulations require controls for higher risk customers and transactions to prevent money laundering and terrorism financing. Risk management aims to allocate capital proportionate to risks for consistent returns.
Insurance, system of insurance accounting
Insurance involves pooling funds from many insured entities to pay for losses some may incur. It protects insured entities from risk in exchange for a fee dependent on the likelihood and cost of events. There are two main types of insurance - life insurance which pays out on death or maturity, and general insurance like health, auto, or fire insurance which pays depending on financial losses from covered events. Insurance companies make money through underwriting risks and investing premiums paid, while providing protection through claims payments.
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This document summarizes employee benefits and retirement plans. It discusses health insurance, disability insurance, and critical illness insurance as forms of employee benefits. It explains that employee benefits include paid time off, group insurance for medical, life, and disability, and long-term care insurance. Employers provide these benefits to attract talent, promote productivity and retention, save on group insurance premium costs, provide tax benefits, and ensure financial security for employees. The document also discusses retirement planning decisions, the General Organization for Social Insurance (GOSI) in Saudi Arabia, and GOSI's future plans to provide unemployment benefits and mandatory social insurance schemes.
2013 managing personal finance
This document discusses personal finance planning and management. It provides general rules for investing, such as that money makes money so it's important to start small savings. It then discusses various investment options in India like fixed deposits, stocks, mutual funds, insurance, real estate, and gold. Specific average returns for these options from 1979-2012 are presented. The concepts of risk and return are discussed, showing higher risk investments provide higher potential returns but more uncertainty. Overall guidelines provided include starting early, diversifying investments, reviewing portfolios periodically, and understanding that while money can enable opportunities and security, it does not directly buy happiness.
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This document discusses life insurance funds and solvency management. It provides an overview of different types of life insurance policies including whole life, term life, and universal life. It also discusses risks to insurance company solvency such as investment risks and how companies manage assets and liabilities. Performance is evaluated using ratios and comparisons to industry averages. Maintaining adequate capital and managing risks prudently are important for insurance company solvency.
A shockwave in mutual fund.
On April 23, 2020, Franklin Templeton wound up six of its debt mutual fund schemes with a total investment of Rs. 26,000 crores. This caused turmoil among investors. The winding up means there will be no further investments or redemptions until holdings mature or are sold. Franklin Templeton faced large redemption pressures exacerbated by COVID-19, which compounded existing issues from the 2018 IL&FS crisis where Franklin Templeton had invested heavily. The company's investments in risky, low-rated, and illiquid bonds prevented it from meeting redemptions through conventional means, forcing the winding up.
PPT on Practise of life insurance
This document provides an overview of the practice of life insurance in India. It discusses the history of insurance in ancient texts and its modern form originating in England in 1818. It then covers the development of the insurance industry in India from the late 18th century until the present day, including the nationalization of life insurance under LIC in 1956 and the opening of the sector to private players in 2000. The document also describes various life insurance plans, bonuses, annuities, group insurance, and unit linked insurance plans (ULIPs).
Ch#19 the Insurance Industry Pakistan
The document summarizes the insurance industry in Pakistan. It discusses the history and types of insurance companies including life insurance companies, general insurance companies, and Takaful insurance companies. It also discusses the performance and growth of the insurance industry from 2002-2007, including increases in assets, capital adequacy ratios, reserves, and profits of insurance companies. The challenges faced by the industry are also mentioned.
BDO Easy Investment Plan
The document summarizes BDO's Easy Investment Plan (EIP) which allows individuals to invest regularly and automatically in mutual funds. Some key points:
1) EIP allows individuals to invest small amounts regularly starting from as low as PHP 1,000 per month through automatic deductions into mutual funds.
2) Investors can choose from different mutual funds depending on their risk tolerance and investment goals, including money market, bond and equity funds.
3) The regular investments benefit from peso cost averaging and diversification. Returns have averaged above regular deposit rates and inflation.
4) EIP makes investing easy and habitual by setting up automatic deductions and investments into one's chosen mutual fund on a regular basis.
Pooled Funds - MF / UITF
The document discusses investing in pooled funds like mutual funds and unit investment trust funds (UITFs) in the Philippines, outlining their advantages such as professional management, diversification, liquidity and potential for higher returns compared to traditional savings instruments. Key details covered include types of mutual funds and UITFs, how they are structured differently, common fees and charges involved, and examples of calculating investment returns.
Building a Solid Foundation for TrueWealth
The document lists various investment and financial planning strategies including retirement accounts, real estate, insurance products, and other assets. It includes definitions for common financial acronyms. The document is intended to provide broad information about investment topics and strategies, and readers are advised to consult professionals before making specific financial decisions.
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This document provides recommendations for mutual fund schemes suitable for a moderate investor. It recommends investing Rs. 6000 per month in a balanced fund for its ability to generate returns higher than debt funds with lower risk than equity funds. It also recommends investing Rs. 3000 per month in an ELSS or tax saving fund to benefit from tax deductions up to Rs. 1.5 lakh and potential long-term returns from equity exposure. Sample balanced and ELSS funds are presented with hypothetical returns over 2, 3, and 5 year periods to illustrate potential growth.
Personal Finance
This document discusses personal financial planning. It covers long and short-term investment objectives like retirement income and savings goals. It also discusses pension funds and stock market investments. Life expectancy in the Philippines has been increasing slightly each year. The functions of financial systems are also outlined, including settling payments, investing surplus funds, and raising capital. Personal financial planning involves budgeting, managing liquidity, financing large purchases, long-term investing, and insurance. It also discusses the risks of investing like capital risk, inflation risk, and income risk.
Investment methods
The document outlines several long-term investment plans available in India for periods of 10-15 years or more. The Public Provident Fund (PPF) account is described as the best long-term plan, as it offers security for 15 years with tax-free returns and the option to withdraw half the amount after 6 months. Investing in mutual funds through a Systematic Investment Plan provides risk and return, especially for long-term investors. Real estate is presented as a growing industry that can provide high annual returns through purchase, management and sale of properties. Other options discussed include investing in gold, post office savings schemes, initial public offerings, bonds and maintaining a diversified portfolio to reduce risk.
Investment Options for Retail investors
This document presents information on different types of investment options available for retail investors in India when the economy is growing. It discusses short-term investments like national savings certificates and recurring deposits as well as long-term options such as equity-linked savings schemes, public provident fund, and life insurance plans. The document recommends diversifying investments between traditional safer plans (80% of funds) and higher-risk equity-linked avenues (20%) to achieve a balanced investment portfolio. It aims to help new investors understand their investment opportunities.
We Provide A Home For Your Old 401(k)s
The document discusses how retirement plans have shifted from traditional pensions provided by employers to individual retirement plans like 401(k)s that employees must manage themselves. It notes that many baby boomers have left jobs with scattered 401(k) accounts and that consolidating them into an IRA could be complicated with account fees and limited investment options. The document then introduces the Voya Select Advantage IRA, which aims to simplify retirement savings by providing a single account to consolidate various 401(k)s and IRAs with over 100 mutual fund choices and low fees.
Chapter#1
The document provides an overview of investments, including definitions, characteristics, objectives, and importance. It discusses that investments involve committing funds over time for return. The main characteristics are return, risk, safety, and liquidity. Common objectives include safety of capital, income generation, capital growth, tax minimization, and marketability. The document outlines both personal and professional importance of investments, such as saving for retirement, making money work for you, and careers like investment bankers, security analysts, and portfolio managers.
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Homeland Insurance Company LTD provides life and general insurance solutions. Its vision is to be the life insurance company of choice for quality insurance products that ensure financial security. It offers various personal and commercial insurance types from both a business and risk perspective, including life, general, social, property, liability and fidelity insurance. Homeland operates in Bangladesh and provides Takaful deposit pension schemes for individuals between 18-45 years old with monthly, trimonthly or yearly premiums ranging from 200-300 taka and benefits from 200,000-214,000 taka over 10-15 years. The schemes offer advantages like accessibility for low earners and a surrender value.
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Insurance
The document provides an overview of the insurance sector in India. It discusses the history and evolution of insurance in India including the establishment of key insurance companies. It describes the different types of insurance such as life insurance (term plans, endowment plans, etc.) and general insurance (health, fire, marine, motor, etc.). It also discusses the major players in the life and general insurance sectors in India as well as the role of the Insurance Regulatory and Development Authority (IRDA).
Recruitment financial advisors
This document provides a summer training project report for Reliance Life Insurance on recruitment of financial advisors. It includes an acknowledgements section, executive summary that identifies different profiles that could join as financial advisors, and sections on the company profile, products and policies, introduction to channel development and recruitment, research methodology, findings, SWOT analysis, suggestions and recommendations. The document also includes contents, questionnaires and bibliography sections. The report provides details on the recruitment project conducted for Reliance Life Insurance.
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2nd chapter
This document provides an overview of investments. It defines an investment as a commitment of funds made with the expectation of a positive return. The document discusses the financial and economic meanings of investment. It also outlines the key characteristics of investments such as return, risk, safety, and liquidity. The objectives of investment are described as maximizing return while minimizing risk and hedging against inflation. The differences between investments and speculations are explained in terms of risk, capital gains, and time period. Various types and avenues of investments are also presented, including corporate securities, deposits, mutual funds, government securities, life insurance policies, and provident funds.
Insurance Companies
Insurance companies face various risks including technical risk from inaccurate risk assessment, credit risk from policyholder loans, market risk from investments, and operational risks. They assess and mitigate risks through techniques like reinsurance, hedging, controlling large losses, and smoothing results. Regulations require controls for higher risk customers and transactions to prevent money laundering and terrorism financing. Risk management aims to allocate capital proportionate to risks for consistent returns.
Insurance, system of insurance accounting
Insurance involves pooling funds from many insured entities to pay for losses some may incur. It protects insured entities from risk in exchange for a fee dependent on the likelihood and cost of events. There are two main types of insurance - life insurance which pays out on death or maturity, and general insurance like health, auto, or fire insurance which pays depending on financial losses from covered events. Insurance companies make money through underwriting risks and investing premiums paid, while providing protection through claims payments.
Chapter 6 risk fiancing for the employee
This document summarizes employee benefits and retirement plans. It discusses health insurance, disability insurance, and critical illness insurance as forms of employee benefits. It explains that employee benefits include paid time off, group insurance for medical, life, and disability, and long-term care insurance. Employers provide these benefits to attract talent, promote productivity and retention, save on group insurance premium costs, provide tax benefits, and ensure financial security for employees. The document also discusses retirement planning decisions, the General Organization for Social Insurance (GOSI) in Saudi Arabia, and GOSI's future plans to provide unemployment benefits and mandatory social insurance schemes.
2013 managing personal finance
This document discusses personal finance planning and management. It provides general rules for investing, such as that money makes money so it's important to start small savings. It then discusses various investment options in India like fixed deposits, stocks, mutual funds, insurance, real estate, and gold. Specific average returns for these options from 1979-2012 are presented. The concepts of risk and return are discussed, showing higher risk investments provide higher potential returns but more uncertainty. Overall guidelines provided include starting early, diversifying investments, reviewing portfolios periodically, and understanding that while money can enable opportunities and security, it does not directly buy happiness.
Presentation on Life Insurance Fund & Solvency Management
This document discusses life insurance funds and solvency management. It provides an overview of different types of life insurance policies including whole life, term life, and universal life. It also discusses risks to insurance company solvency such as investment risks and how companies manage assets and liabilities. Performance is evaluated using ratios and comparisons to industry averages. Maintaining adequate capital and managing risks prudently are important for insurance company solvency.
A shockwave in mutual fund.
On April 23, 2020, Franklin Templeton wound up six of its debt mutual fund schemes with a total investment of Rs. 26,000 crores. This caused turmoil among investors. The winding up means there will be no further investments or redemptions until holdings mature or are sold. Franklin Templeton faced large redemption pressures exacerbated by COVID-19, which compounded existing issues from the 2018 IL&FS crisis where Franklin Templeton had invested heavily. The company's investments in risky, low-rated, and illiquid bonds prevented it from meeting redemptions through conventional means, forcing the winding up.
PPT on Practise of life insurance
This document provides an overview of the practice of life insurance in India. It discusses the history of insurance in ancient texts and its modern form originating in England in 1818. It then covers the development of the insurance industry in India from the late 18th century until the present day, including the nationalization of life insurance under LIC in 1956 and the opening of the sector to private players in 2000. The document also describes various life insurance plans, bonuses, annuities, group insurance, and unit linked insurance plans (ULIPs).
Ch#19 the Insurance Industry Pakistan
The document summarizes the insurance industry in Pakistan. It discusses the history and types of insurance companies including life insurance companies, general insurance companies, and Takaful insurance companies. It also discusses the performance and growth of the insurance industry from 2002-2007, including increases in assets, capital adequacy ratios, reserves, and profits of insurance companies. The challenges faced by the industry are also mentioned.
BDO Easy Investment Plan
The document summarizes BDO's Easy Investment Plan (EIP) which allows individuals to invest regularly and automatically in mutual funds. Some key points:
1) EIP allows individuals to invest small amounts regularly starting from as low as PHP 1,000 per month through automatic deductions into mutual funds.
2) Investors can choose from different mutual funds depending on their risk tolerance and investment goals, including money market, bond and equity funds.
3) The regular investments benefit from peso cost averaging and diversification. Returns have averaged above regular deposit rates and inflation.
4) EIP makes investing easy and habitual by setting up automatic deductions and investments into one's chosen mutual fund on a regular basis.
Pooled Funds - MF / UITF
The document discusses investing in pooled funds like mutual funds and unit investment trust funds (UITFs) in the Philippines, outlining their advantages such as professional management, diversification, liquidity and potential for higher returns compared to traditional savings instruments. Key details covered include types of mutual funds and UITFs, how they are structured differently, common fees and charges involved, and examples of calculating investment returns.
Building a Solid Foundation for TrueWealth
The document lists various investment and financial planning strategies including retirement accounts, real estate, insurance products, and other assets. It includes definitions for common financial acronyms. The document is intended to provide broad information about investment topics and strategies, and readers are advised to consult professionals before making specific financial decisions.
Mutual Fund for Moderate Investors
This document provides recommendations for mutual fund schemes suitable for a moderate investor. It recommends investing Rs. 6000 per month in a balanced fund for its ability to generate returns higher than debt funds with lower risk than equity funds. It also recommends investing Rs. 3000 per month in an ELSS or tax saving fund to benefit from tax deductions up to Rs. 1.5 lakh and potential long-term returns from equity exposure. Sample balanced and ELSS funds are presented with hypothetical returns over 2, 3, and 5 year periods to illustrate potential growth.
Personal Finance
This document discusses personal financial planning. It covers long and short-term investment objectives like retirement income and savings goals. It also discusses pension funds and stock market investments. Life expectancy in the Philippines has been increasing slightly each year. The functions of financial systems are also outlined, including settling payments, investing surplus funds, and raising capital. Personal financial planning involves budgeting, managing liquidity, financing large purchases, long-term investing, and insurance. It also discusses the risks of investing like capital risk, inflation risk, and income risk.
Investment methods
The document outlines several long-term investment plans available in India for periods of 10-15 years or more. The Public Provident Fund (PPF) account is described as the best long-term plan, as it offers security for 15 years with tax-free returns and the option to withdraw half the amount after 6 months. Investing in mutual funds through a Systematic Investment Plan provides risk and return, especially for long-term investors. Real estate is presented as a growing industry that can provide high annual returns through purchase, management and sale of properties. Other options discussed include investing in gold, post office savings schemes, initial public offerings, bonds and maintaining a diversified portfolio to reduce risk.
Investment Options for Retail investors
This document presents information on different types of investment options available for retail investors in India when the economy is growing. It discusses short-term investments like national savings certificates and recurring deposits as well as long-term options such as equity-linked savings schemes, public provident fund, and life insurance plans. The document recommends diversifying investments between traditional safer plans (80% of funds) and higher-risk equity-linked avenues (20%) to achieve a balanced investment portfolio. It aims to help new investors understand their investment opportunities.
We Provide A Home For Your Old 401(k)s
The document discusses how retirement plans have shifted from traditional pensions provided by employers to individual retirement plans like 401(k)s that employees must manage themselves. It notes that many baby boomers have left jobs with scattered 401(k) accounts and that consolidating them into an IRA could be complicated with account fees and limited investment options. The document then introduces the Voya Select Advantage IRA, which aims to simplify retirement savings by providing a single account to consolidate various 401(k)s and IRAs with over 100 mutual fund choices and low fees.
Chapter#1
The document provides an overview of investments, including definitions, characteristics, objectives, and importance. It discusses that investments involve committing funds over time for return. The main characteristics are return, risk, safety, and liquidity. Common objectives include safety of capital, income generation, capital growth, tax minimization, and marketability. The document outlines both personal and professional importance of investments, such as saving for retirement, making money work for you, and careers like investment bankers, security analysts, and portfolio managers.
Classification of Insurance
Homeland Insurance Company LTD provides life and general insurance solutions. Its vision is to be the life insurance company of choice for quality insurance products that ensure financial security. It offers various personal and commercial insurance types from both a business and risk perspective, including life, general, social, property, liability and fidelity insurance. Homeland operates in Bangladesh and provides Takaful deposit pension schemes for individuals between 18-45 years old with monthly, trimonthly or yearly premiums ranging from 200-300 taka and benefits from 200,000-214,000 taka over 10-15 years. The schemes offer advantages like accessibility for low earners and a surrender value.
National Insurance Company
The document outlines information about National Insurance Company (NIC), the largest insurance company in Palestine. It provides details on NIC's vision, financial position, types of insurance offered including vehicles, fire, life, and more. NIC has grown significantly since starting in 1992 with $5 million in capital to an estimated $80 million in assets by 2013. It maintains a high integrity score and strong reinsurance relationships. The company aims to provide innovative insurance services while maintaining stability and benefiting the local economy.
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Presentation on Life Insurance Fund & Solvency Management
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This document provides the table of contents for a market survey report on customer perception towards Max Newyork Life Insurance. The document outlines 12 chapters, including an introduction, company profile, research methodology, data analysis and interpretation, findings, conclusion, and limitations. It also provides context on the insurance industry and life insurance importance. The introduction describes that the survey was conducted in Moradabad city with 50 respondents to analyze customer perception through a questionnaire.
LIC presentation... 001
Life insurance is a contract between a policy holder and an insurer where the insurer promises to pay a designated beneficiary a sum of money upon the death of the insured. The policy holder pays regular premiums in return. Life insurance objectives include widespread coverage, saving mobilization, conducting business economically, and meeting growing customer needs. LIC of India is the largest insurer in India and provides various policies, but also faces threats from private players and foreign insurers expanding in the market. LIC offers specialized plans and products and has diversified into other financial fields.
Main project
The document provides an overview of the life insurance and financial planning industry in India. It discusses key topics such as the historical development of the insurance sector, current regulatory framework, major players and their market shares, various insurance products offered, and distribution channels. The industry is set for rapid growth in the coming years driven by increasing incomes, financial awareness and the entry of private players. Customer service and use of new distribution channels like bancassurance are becoming important for companies to succeed in this competitive environment.
Investment Management
The document provides a retirement portfolio plan for a client. It includes an analysis of the client's financial profile, cash flow needs, and risk factors. A balanced portfolio of ETFs is recommended that balances risk and return, with an expected return of 7.49% and standard deviation of 13.61%. The portfolio focuses on assets that perform well during economic growth and inflation, to take advantage of risk premiums given the client's secure pension and rental income.
Insurance sector ppt
The document discusses the history and development of insurance in India. It provides definitions of insurance and describes different types of insurance like life, health, automobile, fire insurance. It summarizes the key players in the insurance sector including LIC, private insurers, and the regulatory body IRDA. It also outlines the products offered by LIC and investment policies of insurance companies.
Promotional strategy in life insurance companies
The document provides information about life insurance policies and HDFC Standard Life Insurance Company. It discusses that life insurance protects against financial uncertainties from death or illness. HDFC Standard Life offers a range of individual and group insurance solutions. It provides details about HDFC's strengths, vision, values, major competitors and product profile which includes term plans, investment plans, and pension plans.
A project report on ulips v
The document analyzes investment options among investors in Ludhiana between ULIPs (Unit Linked Insurance Plans) and mutual funds. A survey of 100 investors found that awareness of mutual funds was higher than ULIPs. High income investors and those who refer to brokers were more likely to invest. Open-ended and closed funds were most popular. Insurance benefits and tax breaks drove ULIP investment, while capital appreciation motivated mutual fund investment. Mutual funds were preferred due to greater liquidity and flexibility. Investors expected higher returns from mutual funds than ULIPs. Most wanted to invest for the same tenures in both. Recent ULIP controversies may boost future demand for mutual funds.
Aprojectreportonulipsv 101019085330-phpapp02
The document analyzes and compares ULIPs (Unit Linked Insurance Plans) and mutual funds as investment options among investors in Ludhiana, India. It finds that awareness of mutual funds is higher than ULIPs. High income investors and those who invest in both prefer mutual funds for their flexibility and liquidity. Brokers and references strongly influence investment decisions. Most prefer open-ended and closed funds. Insurance and tax benefits attract ULIP investors, while mutual fund investors prefer capital appreciation. Mutual funds are seen as lower risk and offering higher returns than ULIPs. Most prefer the same investment tenure for both. Recent ULIP controversies may boost future demand for mutual funds.
Ulip of meelife insurance
The document provides details about a summer training project undertaken by Arif Khan at MetLife India Insurance Company Limited from June 17th to August 2nd 2010. It includes a training certificate, acknowledgements, and outlines the table of contents which covers topics like the insurance industry in India, MetLife as a company, the research methodology, findings, analysis, and conclusions. The objective of the project was to study Unit-Linked Insurance Plans (ULIPs) offered by MetLife and compare them to plans offered by three of its major competitors.
paperpublished (1).pdf
On 4 August 2021, Chopra made his debut at the Olympics, representing India in the Japan National Stadium
Insurance
This document provides an overview of insurance, including:
1. Insurance protects against economic losses by spreading risk across many policyholders who pay premiums into a common fund. It aims to ensure continuity of financial benefits when losses occur.
2. Insurance provides security, supports pensions and savings/investments, acts as collateral for loans, and offers tax benefits.
3. Insurance evaluates and prices risks, shares risks collectively, prevents losses by encouraging safety, and allows larger risks to be covered with smaller capital investments.
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Customer perception towards max newyork life insurance
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Life insurance uli ps final
- 1. Life Insurance - ULIPs
- 2. Insurance is pooling of risks. In a contract of insurance, the insurer undertakes, in consideration of a sum of money (premium), to make good the loss suffered by the insured against a specified risks such as fire and any other similar contingency of compensate the insured on the happening of a specified event such as accident or death. The business of insurance is related to the protection of the economic values of assets. Insurance INSURE
- 3. Life Insurance Polices Digital Commerce Annuities Policy Whole Life Policy Endowment Policy Types of Life Insurance Policies . Term Policy Term Policy and whole life insurance policies focus on risk-coverage Endowment policy and annuities insurance policies focus on investments ULIPs focus on both risk-coverage and the investments ULIP
- 4. What is ULIP ? A category of financial solutions that combine the safety of insurance protection with wealth creation opportunities U: Unit L : Linked I : Insurance P : Plan Premium for ULIP Investment as Unit Life Coverage
- 5. Why ULIP is so attractive?
- 6. Investment Option For Your Money FUND TYPE ASSET MIX POTENTIAL RISK /REWARD Maximiser Balancer Protector Equity& Related securities: Max 100% Debt, Money market & Cash: Max 25% Debt. Money market & Cash: Min 60% Equity & Related securities: Max: 40% Debt Instruments, Money market & Cash: Max 100% High Moderate Low
- 11. Key Players in the Insurance Industry
- 12. Best Selling ULIP PLANS
- 14. ICICI PRU PINNACLE SUPER
- 15. HDFC SL CREST
- 17. MAX NEW YORK FAST TRACK PLAN
- 20. ICICI PRU SmartKid Premier
- 21. HDFC SL YOUNGSTAR SUPER II
- 22. MAX NEW YORK SHIKSHA PLUS II
- 25. ICICI Pru LifeLink Pension SP
- 26. HDFC SL PENSION MAXIMUS
- 27. LIC PENSION PLUS
- 29. Conclusion
Editor's Notes
- Digital disintermediation leads to cost savings for the supplier, the benefits of which can be passed on to the customer => Digital Price Discovery 48% of all payments by value in India are electronic, which will rise to 70% by 2015.In the case of consumer-to-business transactions, the share currently is 3%, which will rise to 15% by 2015. As per Mckinsey India Payments 2009, Mobile payments in India will rise at a CAGR of 51.1% to 1.1 billion USD by 2015 Source for data on growth of internet and mobile payments: Mckinsey India Payments, 2009 Source for data on Reduction in transaction costs due to digital infomediary: Santa Rosa University(USA) Chapter notes 2007 - www.santarosa.edu/~ssarkar/cs66sp07/ch4notes.htm