All Insurance News and Plans

  Balancing safety, growth, and tax efficiency is never easy for investors. In 2025, the demand for investment plans that can deliver all three continues to rise as households aim to protect capital, generate returns, and reduce tax liability. Several options stand out for striking this balance. Public Provident Fund (PPF) for safety and tax savings The PPF remains one of the most reliable choices for conservative investors. It offers government-backed safety, fixed interest, and tax benefits under Section 80C. The maturity proceeds are also tax-free, which makes it a dependable component of a long-term portfolio. Equity-Linked Savings Schemes (ELSS) for growth with tax deductions ELSS funds are popular among investors looking for higher growth. They invest primarily in equities, offering potential for strong long-term returns. At the same time, they qualify for tax deductions of up to Rs. 1.5 lakh under Section 80C. With a lock-in of three years, they also instil financial discipl...

For many first-time mutual fund investors, the term NFO often sparks curiosity. Understanding what is NFO is crucial before deciding whether to participate in one. In simple terms, a New Fund Offer is the first subscription period when an Asset Management Company (AMC) launches a new mutual fund scheme. It is similar to an IPO in stocks but for mutual funds. How an NFO works During an NFO, units of the mutual fund are offered to investors at a fixed price, usually Rs. 10. Once the subscription window closes, the fund is open for normal purchase and redemption at Net Asset Value (NAV). NFOs allow fund houses to raise capital for a new strategy, whether it is an equity theme, debt focus, or hybrid allocation. Why retail investors consider NFOs Retail investors often view NFOs as a chance to enter new themes early. In 2025, with markets offering sector-specific opportunities such as defence, renewable energy, and digital technology, NFOs give investors a gateway to participate in these gr...

  One of the most common questions first-time buyers ask is: when is the right time to purchase a term plan? The answer lies in understanding how the term policy age limit affects both coverage and premium. Buying at the right age not only ensures affordable premiums but also guarantees longer protection for dependants. Why age matters in term insurance Age is one of the biggest factors insurers use to calculate premiums. The younger the applicant, the lower the risk of health issues, and the more affordable the premium. For example, a 25-year-old can often lock in a cover of Rs. 1 crore at a much lower annual cost compared to someone applying at 40 or 50. The ideal age range Experts generally recommend buying term insurance in the mid-20s to early 30s. This is considered the best term policy age limit because premiums are at their lowest while coverage can be maximised. At this stage, buyers are usually beginning financial responsibilities such as home loans or planning for child...

In 2025, managing expenses while preparing for unexpected risks is a priority for many households. One of the simplest and most effective solutions continues to be term insurance. It offers large financial protection for dependants at premiums that remain accessible, making it a cornerstone of responsible financial planning. High coverage at affordable premiums The most striking feature of term insurance is the balance it offers between cost and coverage. For a small annual premium, individuals can secure life cover worth Rs. 1 crore or more. This makes it possible for young earners and families with limited budgets to provide a safety net that would otherwise take years of savings to build. Pure protection without complications Unlike products that combine insurance with investment, term plans focus only on life cover. The structure is straightforward—if the policyholder passes away during the policy term, the nominee receives the sum assured. There are no concerns about market fluct...

The cost of education in India has been climbing steadily, with private schooling and higher studies abroad placing growing pressure on family budgets. In this environment, parents often ask whether child plans—once seen as a traditional choice—remain relevant in 2025. The answer lies in their unique blend of protection and goal-based savings. Why education costs demand structured planning Tuition fees, coaching expenses, and living costs for higher education have far outpaced inflation. Parents who depend solely on ad-hoc savings often struggle when large expenses arrive suddenly. A structured plan ensures funds are available at the right milestones, reducing the need for loans or emergency withdrawals. What child plans provide Child plans are designed to secure funds for education and other life goals of children. Typically, they combine insurance cover with investment or savings benefits. If something happens to the parent, the plan ensures that future premiums are waived while the...

  In 2025, investors are searching for options that not only protect their capital but also provide tax relief. With rising costs and uncertain markets, the appeal of a secure savings plan that combines guaranteed returns with tax benefits has grown stronger. But which choices stand out today? Importance of guaranteed returns Guaranteed returns bring predictability. Unlike market-linked products, they provide assured maturity values regardless of market conditions. For households managing future goals such as children’s education or retirement, this assurance creates stability. A well-structured savings plan makes it easier to align long-term goals with certainty in outcomes. Tax benefits under Section 80C Many savings plans qualify for tax deductions under Section 80C of the Income Tax Act. By investing up to Rs. 1.5 lakh per year, individuals reduce taxable income while building future wealth. Further, the maturity proceeds of eligible plans can also be exempt under Section 10(1...