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Date : Oct 21, 2008

Question

my first premium was 12000 now it shows 8500 as a fund value.... what a game with so much mortality charges.... in Bajaj Allianz capital unit gain plan... plz advice me about switching of funds... i have equity growth ulip

Answer

ULIP is a product which provides you with life insurance cover with an investment component attached to it. The premium amount comprises of mortality charges, admin charges and the balance amount (net premium) is invested. ULIP have first year charges, subsequent charges, administration charges, risk charges, asset allocation charges, switching charges, top-ups, and surrender value of units. Before buying any ULIP you should consider the above charges and compare it with products available in the market.The above mentioned charges are deducted from premium amount you pay. The balance amount (net premium) is invested. The net premium amount goes towards funds as selected by you while purchasing the policy.

We at apnainsurance believe that insurance is a protection tool rather than an investment tool. Insurance is not one of the best investment option,
you need to consider other investment options also.

 

 

36834

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36833

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36832

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36831

Dear Sir, I am looking for Children policy i am wondering which one to go for

36830

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36829

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36827

What is the formula for calculating the human lofe value?

36826

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36823

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36822

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36821

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36820

Hello Sir, Please advise me the best insurance policy for my following requirement. I want t

36818

partial withdrawls in ulip are taxable or not

36816

How fair are private Insurance companies.

36815

Should we get insurance from private companies

36814

which is best LIC plan for female Child age 0

36813

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36812

Dear Sir , I have posted this query before too..but unfortunately it was not answered..My con

36811

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36810

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36809

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36808

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36807

Dear Sir , I 'm planning to buy Term Insurance plan but after I came to know about AXA and now

36806

Sir, I would like to invest in some good SIP schemes for the studies of my children 8 year ol

36805

Kly suggest me birla sunlife primelife

36804

i want to know about the pention plan if i invest 12000 rs annually for 20 years and my age is

36802

dear sir i want to purchase atermpolicy myage is44years ,want5000000 sum assured .anthor for

36801

I have jeevan anand policy with lic for last 3 years with a Sum Assured of RS. 6,00,000 and jee

36800

WHETHER BAJAJ ALLIANZ;S NEW RISK CARE II AND LIC'S AMULYA JEEVAN COVERS DEATH BECAUSE OF BOMB B

36797

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