Beruflich Dokumente
Kultur Dokumente
- Jagoinvestor.com
Contents
1. 2. 3. 4. 5. 6. 7. 8. 9. What is Term Plan Tax benefit in Term Plan What is an ideal cover for you? For how long should one take a term plan? What are riders and what do they mean? But term plan does not return the money? Return of Premium Term Plan, is it worth? Free look up period What do premiums depend on?
10. Online or Offline Term Plan 11. Why Premiums for Online term plan are so cheap? 12. What is the best frequency of premium -- Yearly, monthly or One-time? 13. Important points while filling up the forms 14. Exclusions in Term plan 15. Servicing and Delay in getting the policy 16. 17. Agents Commission and why you should not ask a pass-back 18. Will more than one company pay the claim? 19. What to look into a Company -- Claim Settlement 20. Complaining about some issue in term plan 21. Give clear directions and process to your family about claim.
We want your loved ones to be completely protected and hence with that commitment we have created this e-book on Term Insurance. The main purpose of this book is to get you full clarity on Term Insurance and how it can be a great addition to your financial life. We have tried our best to consolidate all the points regarding a term insurance and make it easy for you to learn about it. So let .. You can finish this e-
book in few hours to few days. Just make sure your commitment is not just to learn about term insurance but also implement the learnings and really take actions in the end. Best of luck
- Jagoinvestor Team
copyright : www.jagoinvestor.com
Term Insurance Plan is a product that falls under the category of Life Insurance. As the word suggests, the risk of life is covered for a specific Term (period) i.e. from 5-35years. A Term Plan is considered to be the oldest and the purest form of Life Insurance cover available because there is no involvement of Investment/Bonus/Returns in it. It s a simple plan which insures your life risk. Incase you die, the term insurance plan pays the Sum Assured to your nominees.
a specific period, which you have to choose at the time of taking the policy. The procedure involved in buying a Term Plan is comparatively simple and easy. Now days, you can buy term plans online through Insurance company website simply by answering few basic questions, we will touch upon this online term plans very soon. Let s first see some basic features and points about term plans, these numbers are very generic in nature and can vary from company to company but you can look at them as a general pointers. Minimum age to be eligible for life insurance is 18 years Maximum age to be eligible for life insurance is 50 years Life insurance cover under a term plan is available up to the age of 70 years The minimum tenure of cover can be 5 yrs and the maximum tenure can be around 35 yrs
copyright : www.jagoinvestor.com
Tax benefit on Premiums paid Whatever premium you pay for term insurance (or any life insurance) is exempted from tax. This means you do not have to pay any tax on that amount. The limit is up to Rs. 1 lac under sec 80C. Let s see an example > Example - Ajay pays Rs. 15000/- yearly as Term Plan premium for himself. So now suppose his salary was Rs. 7,50,000/-. Then he can claim a deduction of Rs. 15000 and his taxable income will reduce to 7,35,000/-. So incase he was in a 20% tax bracket. He will save 20% of 15,000 as tax benefit and will save Rs 3,000. Tax benefit on Death Claim In the event of death of the person insured, the death claim amount received is also tax free/tax exempt. The beneficiary who gets this death claim does not have to pay any tax on that amount for that assessment year. However when it s invested and any income is earned on it tax will be charged on such income earned from that time onwards. > Example - Ajay was covered for Rs. 75 lakhs under a XYZ Term Plan. In the event where Ajay dies, his family will receive Rs. 75 lakhs as the death claim. This Rs. 75 lakhs attracts NO TAX! The important thing to note is that the above deduction and exemption can be claimed only if the Sum Assured is more than 5 times of the yearly premium that is paid by the insured. If it is less than 5 times, no tax benefit is available to the insured and to the beneficiaries. As and when the proposed DTC (Direct Tax Code) passes, this sum assured will be required 20 times more than the yearly premium paid. No other tax benefit is available apart from the two mentioned above.
copyright : www.jagoinvestor.com
Let us see an example Ajay, aged 32 years has a family of 4 (self+wife+2 kids) and earns monthly income of 60,000/-. He wants to make sure that his family should be covered properly and he should be able to cover his family for regular income and pay off all the current liabilities he has and also provide some money to meet his future goals.
Details Monthly expense Current Liabilities Future Goals Current Assets His Life Insurance Need 40,000 15,00,000 40,00,000 20,00,000 1.1 Cr Expense for This expenses is required for next 20 years Home loan outstanding Kids Education & Marriage Investments With 8% inflation
So a life insurance of approx 1.1 crore is required which can meet all his expectations. Now, how do you calculate your right cover? All you need to do is find out how much money you would need that can provide for monthly expenses for the next 20-30 yrs and then add your current liabilities and the money you require
Then subtract your current assets from it and you will come to know the approx figure of your right insurance cover. Note: Do -10% here and there is
totally okay! The focus is to get a good enough cover; if you are too confused just get 20 times your yearly income as the life cover.
There is a common myth that Life Insurance cover should be bought for the maximum term (numbers of years) offered by the insurance company. The whole point of life insurance is to cover for the earning potential of the person insured. So ideally, Life Insurance cover should only be there, till the time the person would be earning i.e. till the retirement of the earning member because anyways after that he/she
answer whether you would need a life insurance cover when you are 70 years old? Who is dependent on you financially at that age? How many of you are dependent on someone who is 70 yrs old?
copyright : www.jagoinvestor.com
him till age 58 and not any longer than that. Most of the people think that taking term plan for longer tenure would help them because anyways a person will die and all the money his family will get will be a bonus t premiums for that long. a very low probability event and they need to keep paying the
2.
CI (Critical Illness): This rider gives you a lump sum amount if you are diagnosed with an illness which is pre-specified and is mentioned in the policy. Generally all the major illnesses are covered in Critical Illness cover.
3.
DR (Accidental Disability Rider): This rider covers you for disability and pays you Sum assured in 10 instalments per year in case you become temporarily or permanently disabled.
4.
WP (Waiver of Premium): This rider makes sure that in case you are not able to pay future premium due to disability or income loss, the future premiums are waived off but your policy is still in force like always.
copyright : www.jagoinvestor.com
So those who do not like the idea of term insurance because it does not return their money back at the end; do not realise that even if term insurance paid their money back at the end it will be peanuts. It will be almost worthless at that point of time. For example -- if you pay Rs 10,000 per year in premium and the tenure is 30 yrs, you will be paying Rs 3,00,000 in 30 yrs, but when you get back those 3 lacs after 30 yrs, because of inflation that 3,00,000 will be worth very small amount at that point of time. If your expenses are 40,000 per month today, then after 30 yrs your expenses would be 2-3 lacs per month, so what will you do with the money you get from term plan? Now will you buy a term plan? May be! There needs to be a shift in focus and should not be viewed from what you are losing and seen
as what you are getting . Once this focus is incepted with your Term Insurance and within your life, both the areas will become wonderful! The sole purpose of life insurance is to cover the risk of life of the insured. So focus on what you are getting in a term plan rather than what you are not getting. Once you realise that at a small cost per year, you are getting peace of mind that your family is protected for life incase you are not around, you will realise that what you pay is worth.
came up with Return of premium term plan . It provides the benefits of Term Plan Cover + Return of Premium (investment purpose). If you survive the policy term, you get all your premiums paid back. But it s important for you to understand that this good looking policy is again nothing but a gimmick because now you have to pay EXTRA premium and that Extra premium is invested in a way that you get your premiums back at the end of the cover period. So then, what So
say if a normal term plan premium for 50 lacs was 8,000, a return of premium term plan premium for same 50 lacs would be 15,000. So you are paying Extra 7,000 per year. If this extra 7,000 is invested for next 30 yrs in some secure product like Fixed Deposit, it will anyways become a huge corpus. So, ultimately what I want to say is that you are not at any big advantage in return of premium term plans . S
copyright : www.jagoinvestor.com
So if you want to return back the policy you can do that only in the first 15 days. During this period, you can review the policy document; if you are unsure on anything then you can contact the insurance company and request complete explanation on your queries. If you are not satisfied with the policy, you can choose to discontinue with the policy and ask for a refund. The amount of refund will be on pro-rata basis. That means, if you took 8 days to decide that you want to discontinue with the policy, then the insurance company will deduct charges applicable for 8 days of the life insurance cover it provided you and refund the balance money. They will return the premium paid subject to the deduction of: a) Insurance stamp duty paid under the policy b) Expenses borne by the Company on medical examination (if any)
the premium without understanding just because you have the free-look up period to think about the actual worth and value of the insurance policy. The best approach is to schedule a meeting with the authorized agent and ask him questions about the policy and how it is suitable for you. Thereafter, you should do your homework or researching on the web portal on the reviews and suggestions made by various industry experts. It is also advised that you ask questions on online forums and get clarity on various aspects of the policy you are about to buy. This is important because we all may think that the agent would tell us all, but that may not be the case! Precaution is better than cure So, you need to make sure that you use your due diligence before buying the policy and then study the policy document thoroughly in the free-look up period. The policy document can be anywhere from 5-20 pages long (or more), but the imprint should be read and understood before the free-look up period ends. -lookends.
expenses are lower than other types of life insurance cover available in the market. 2) Mortality cost: This cost is determined by your chances of dying at any given moment. As you get older, the mortality cost increases which increases your premium cost.
copyright : www.jagoinvestor.com
This component is relatively variable. Mortality rates are the real charges in Life insurance premiums. This cost is applicable to every type of life insurance cover not just Term insurance. Mortality table is just the probability of how many people will die in a given year for a particular age range and based on that the premiums are charged. This is the reason for the premiums of life insurance policy increases if you delay taking the term plan. Let me give you an example to make this clear -- If your age is 30 yrs today and the premium for 25 yrs tenure term plan with sum assured of 50 lacs is Rs 6,000 yearly. If you delay taking the term plan for 10 yrs and you take it when you are 40 yrs old, then at that time the premiums will be much high like say Rs 25,000 term plan incase you need it right now. Each year of delay would mean increase in your premiums. But do premiums increase every year once I buy the term plan? No, once you have bought the term plan, the premium will not increase every year. You will have to pay a fixed premium every year for the rest of the policy term. Other factors influencing the cost of premiums are Gender, Body weight, Use of tobacco, Medical history and your overall lifestyle. So premiums for women are cheaper than men, premiums for a tobacco user is more than a non-tobacco user, the premiums are higher if your medical history is critical or some major health issues are detected.
can then decide to continue with them by paying the additional premium or cancel the policy and claim refund. This process is time consuming and requires a lot many supporting documents to be attached. Online Term Plan in you get an online quote that tells you the Sum Assured, Policy Term and the Premium payable. You then proceed to buy the cover and agree to the amount of premium that gets calculated (assuming that the information you provided is true to your best knowledge). You get the receipt of your payment and you will get a call/mail from the company about the visit of their representative at your residence to collect the important documents that are required for KYC formalities. As per your age and the given information, the insurer will decide if you will have to appear for medical test or not.
copyright : www.jagoinvestor.com
If there are existing complications revealed in the medical test, this can affect your premium (increase
platform, the doctor usually comes at your residence to get the medical check up done. This is an added benefit you get which is very convenient and quick. You can then decide to continue with the policy by paying the additional premium (if any) or cancel the policy and claim refund.
A person who is net-savvy is perceived to be less risky than a person who is not netassumed that he will have access to better health care, a better lifestyle and more chances of outliving his non-net-savvy counterpart. So a govt employee from Jaunpur buying a term plan directly is seen differently than an IT professional from Bangalore taking an online term plan. When the policy is bought online, the payment is made through credit card or net-banking, which takes lesser time to be realised with the insurance company. So, the Insurance Company does not have to wait for
administrative costs that is saved when an online term plan is issued. These also help in saving the cost to some extent. Below are insurance premiums from 2 Insurance companies; one which is for online term plan cover and the other for offline term plan cover. For the purpose of calculation we have taken, insured age to be 30 years and cover required for next 25 years (i.e. till he is 55 years old) and the sum assured is Rs. 30 lakhs. We can see the difference in the premium cost. Mode of purchase/ Insurance Company Kotak E-preferred (Online) SBI Smart Shield (Offline) Premium Rs. 4,014/Rs. 7,141/-
copyright : www.jagoinvestor.com
A monthly payment would mean payment of a small amount each month. That
h of headache.
There is also an option of onetime premium payment, but it is strongly discouraged. The reasons are that with one-time payment you are tied with the insurance policy for life time and incase you feel that you want to move to another term plan after few years, it because you have paid a big lump sum in the start
itself. At times it might happen that after few years you might not require a life cover so you can just stop payment of premium incase you had chosen a yearly payment option.
These are some check points where errors and mistakes are usually made. Due care should be taken to disclose each and every material fact up to the best knowledge of the applicant. At times, the agents try and suppress the material facts, if the applicant is a smoker and/or consumes alcohol; as this may increase the premiums or even result in rejection of the application. If it results in increased premium, the customer may not go ahead with the policy and the agent will have to compromise on his commission. Just for your information an agent earns 25% of the premium in the first year, 7.5% of premium in 2nd and 3rd year and 5% thereafter.
Example - The Kotak Life Insurance proposal form mentions that the client has to declare whether he was a smoker or drinker earlier also even if he has left that habit long ago. Also, it depends on the company whom they consider as a non-smoker at the time of issuing a policy. For example: Max New York Life Insurance, for its Platinum Protect (term insurance), considers people, who have left smoking more than three years ago, as non-smokers. copyright : www.jagoinvestor.com
10
insurance companies. They are smarter than you at figuring it out. So contact your Insurance Company and give them factual infor situation than getting rejected at the time when you are in the sky.
Participating in any riot, strike or civil commotion, active military, naval, air-force, police or similar service, or War, invasion, act of foreign enemies, hostilities or war like operations (whether war be declared or not), civil war, mutiny, military rising, insurrection, rebellion, military or usurped power or any act of terrorism or violence
11
copyright : www.jagoinvestor.com
So one way which might work is if an NRI wants to take Insurance, then on his/her next visit to India he should submit his proof of residence, age, last 3 years ITR etc and get his medical tests done at his Indian address. This way he can get insurance policy issued very easily. However, there is no need to complicate it and incase you are out in some country and are planning to be there for the next couple of years, the best thing would be to take term insurance from that particular country of residence and later when you come back to India, you can buy term insurance that time.
If you have been in and out of India at various stages, it is advisable that you get your residential status assessed by a taxlife insurance in India.
the policy premium as his commission for selling that particular policy and if you continue with the policy for the next few years or till the maturity, the agent gets % commission throughout the term of your policy. This is how their commission is structures: > > > 25% of the premium of the policy: this is for the first year 7.5% of the premium of the policy: this is for the second & third year 5% of the premium of the policy: for the rest of the term
The primary reason as to why one should not ask a passyours! Many a times it is seen that agents themselves offer such discounts or gifts and pass-backs to attract more and more customers. This practice is totally illegal and violates the norms laid under the Insurance Act. If the agent is found sharing his commissions, he can also lose his license and might have to close the agency itself. These are dangerous wat
12
copyright : www.jagoinvestor.com
Let us understand how this pass-back works and why is it so attractive! So, an Insurance agent sells a policy with a sum assured of Rs. 10 lacs, with a premium of about Rs. 50,000/- per year. He will make around 12,500 in commission for that year, out of which he might offer a discount of Rs 4000-6000 for the first year or he offers some gift of that worth! A lot of insurance agents do this to make sure they do not lose the business and get more and more business. Why should this practice be stopped?
Because it hampers your relationship with the agent. The pass-back that is offered is coming from his share of commission and you snatching that much income from him might leave a bitter taste which may result in foul relationship!. So please live and let live! The other important reason, you should avoid asking for commissions, is that it leads to mis-selling. If you ask for a share in commission, it will leave agents with lesser earnings and that would encourage them to sell more by any means, which in turn fuels mis-selling. So in a way the whole
asking commissions back will hamper investors in the long run. What you sow is what you reap!
Violation of law using Multi-level marketing in Insurance Policies For some years now, a new way of selling has e agent sells a policy to a person and make him a customer. Now, this customer acts like an agent and starts to many levels, a person earns part of commissions earned from every person under his personal network. This whole idea of multi-chain selling violates Insurance law and is illegal. As given in the Section 41 of the Insurance Act; A licensed agent, whethe
appoint a sub-agent and pass on a commission to another person or entity. Any passing of commission by an agent is construed as rebating and is prohibited under the Act.
Responsible Investor = Health Industry We as buyers, shape this whole industry based on how we act. Over the years, we expected and asked for share in commissions, without realising that it will one day work against us resulting in mis-selling. Such illthought action is derogatory and rightly considered in-human; if such practice is carried on than one should also expect a low level service from the insurance agent. Responsibility lies with the buyer to repel such lucrative discounts and schemes offered by the insurance agents.
13
copyright : www.jagoinvestor.com
You can make this split on the basis of getting life cover from government backed and private insurance companies. This way, you can have major part insured with the Government backed Life Insurance company and the rest to be insured by a private insurance company. It is generally seen that the premiums of private insurers are cost effective.
If you have made such arrangement where in you are covered from more than 1 insurance company for life risk, the very first thing, in these cases, is to declare in the proposal form that you already have a policy
has an insurance policy from the same company or any other company). Once such information is provided, then at the time of claim, the usual practice is to submit the Death Certificate to the insurance company with whom the policy is running for the longest period. Other companies are then informed of the procedure due and an acknowledgment from the FIRST Company is provided to them which are accepted by other companies.
Moreover, of late, it has been reported that generally insurance companies do not ask for an original death certificate to settle the claims, even a photocopy of the certificate will do. So be alert while filling the form and provide all the information about your previous policies to prevent even a minor problem later on.
the reason you should never let an agent fill up the form, because agent will not pay
much attention to what all info he is providing and can fill up the form casually for which you might have to pay the price later. Most of the people complain and cry when their claims are rejected and blame insurance company and IRDA
One big point worth knowing is that claim settlement ratio numbers which IRDA issues is for all the policies combined (maturity claims, death claims) for pure term plans and endowment + moneyback plans think that the numbers are only for pure term plans. You have to make sure you choose a company which has respectable claim settlement ratio and you trust it fully.
14
copyright : www.jagoinvestor.com
LIC has the highest claim settlement numbers in India but their premiums are extremely high. To check claim settle ratio of all the insurance companies, you can follow the link: http://www.irda.gov.in/ADMINCMS/cms/frmGeneral_NoYearList.aspx?DF=AR&mid=11.1
Approaching Consumer Court Forum in India Step 1 Send the company a written notice, hand-written or printed on plain paper which explains what exactly happened, what you are unhappy about, what you would like the company to do and what you would do in case the company does not resolve the issue. Here are some tips on writing this letter: Do not misstate facts. If there has been some lapse from your side, please expressly state it. Specify all the details which would enable the company to resolve your complaint faster (who you spoke to, invoice number, request number, product id, date of purchase etc.). Do not use foul language or threaten. However, be firm. Provide a 15 day period for them to resolve your complaint. Make sure that you mention a line to the effect that if the company fails to resolve the issue, you would be forced to file a consumer complaint and take other action as well. Send this letter by registered post acknowledgement due or by courier. Make sure you tell the courier company that you would be requiring the proof of delivery (POD) from them. It usually comes to you in 15-20 days of sending the letter.
15
copyright : www.jagoinvestor.com
Step 2 At this stage, usually the company will call you back or email you and start taking your complaint seriously. If they offer you relief, or some kind of incentives, coupons, free product or service, do consider their offer -optimize. There is also the possibility that the company will not reply to your notice or reply to say that they would not be able to solve your complaint. In such a case, you are left with no option but to go to the appropriate consumer forum. Step 3 Consumer Forums are divided into 3 levels -- District Level, State Level and the National. If the total amount involved in your complaint (worth of the goods or services and the compensation you ask for) is below Rs 20 lakhs, then you will have to approach a District Forum. Typically, you have to file your complaint at the District Forum under whose jurisdiction the company or its dealer or its authorized agent carries on business. Typically it will take about 6-18 months to resolve a complaint through the District Forum. If the stakes involved are high, either side may appeal to the State Forum and the matter may take longer. You have the option to appear before the District Forum yourself or through a lawyer. Usually people do not have the time to appear themselves, so they hire a lawyer. A lawyer can charge anywhere between Rs.2000 to Rs.20000 for a consumer complaint depending upon the complexity of the case, his/her experience, and your willingness to pay. During the course of the case, you might have to appear 2-4 times in the intimidated by this -- the judges are generally customer friendly and you are only required to state the facts. Tips on writing the complaint Make sure all the paragraphs are numbered and you state all the relevant facts properly. Make sure you have supporting documents to prove your case. Please add a simple clause saying that the consumer forum you are approaching is the correct one and has jurisdiction over the matter. You can also go directly to the nearest consumer forum and ask at the helpdesk to help you with your complaint.
Once the consumer complaint is filed, the consumer forum sends a notice to the company asking them to respond to your complaint. A lot of times the company will realize that you are serious and probably, to avoid spending 10-15k on their own lawyer, simply resolve the complaint. However, in banking, insurance and financial sector, most of the large players prefer to take the customers through court and often keep appealing against successive defeats in front of consumer forums.
16
copyright : www.jagoinvestor.com
stranded as that might add more stress to their emotional crisis. Example of Instruction for Life Insurance Claim from LIC Ajay has taken Amulya Jeevan Term Insurance policy for Rs 50 lacs cover. Ajay lives in Mumbai. He should prepare a step by step instruction guide for his depends to follow when the claim is to be made: Hi Family, I have a life insurance policy Amulya Jeevan with Sum assured of Rs 50,00,000. In case of my death, you should follow this procedure.
1. Meet our Agent named Mr. Funsuk Bangdu and ask him for the claim settlement forms, incase he is not able to give it to you then you can download it from here: http://www.licindia.in/download_forms.htm You should make sure you also have original policy document which I have kept at ________. Make sure you have your proof of title like PAN card, Driving Licence etc AND marriage certificate copy. Make sure you have taken my death certificate from ____________ which will act like my proof of death, this is Important! Incase I die in an accident then have a proof of accident, this you can get from police station or hospital. I have stored all the Medical treatment at ___________ , also keep with you just incase its required. ___ or you can also ask my friend Robert who works with me and he can help you on this. 8. Incase you face any issues in getting claim settlement then take help of Ombudsman whose address is as follows. Shri S Viswanathan Insurance Ombudsman, Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S.V. Road, Santacruz (W), MUMBAI- 400054 Tel: 022-26106928, Fax: 022-26106052
2. 3. 4. 5. 6. 7.
Email: ombudsmanmumbai@gmail.com
We hope you have got good understanding about term insurance plans in detail from this eBook. Thanks a lot
17
copyright : www.jagoinvestor.com
About Jagoinvestor.com
Jagoinvestor.com is one of the most read personal finance blog in India. The biggest strength of jagoinvestor.com is simple articles with full of knowledge and simplicity. Its aim is to make you self dependent when it comes to financial literacy and controlling your financial life. Jagoinvestor.com has thousands of readers on email list and lacs of visitors each month. The community is
extremely rich and does lot of interactive communication with each over comments section which keeps them informed over their financial issues. You can visit us at www.jagoinvestor.com and read articles in different areas of personal finance ranging from Health Insurance, Life Insurance, Mutual Funds , Taxation, Behavioural psychology and financial planning related articles.
Jagoinvestor Book
Jagoinvestor book is a personal finance book written by Manish Chauhan, Founder of Jagoinvestor.com . The book is published by CNBC Network 18. It s one of its kind of personal finance book which talks about principles of Personal Finance rather than the usual product related talks. It prepares you for a stronger financial life and gives you a right direction in financial life.
Paid Services
For those who are really committed and ready to bring a big shift in their financial life, Jagoinvestor also offers paid services for an appropriate fee. It has hundreds of clients spread across different parts of India and other countries (read their testimonials). It has NRI and residents clients from different segments. However South India Software professionals top the list in the clients . You can visit our services page and see what we offer in Paid services. To get a feel of how our clients feel -- You can read one of our clients Testimonals -
I must say that I started learning about the whole world of managing personal finance through JagoInvestor blog. As I began to read and follow the blog more, I got completely convinced of the sound understanding and stronghold of the Jagoinvestor team in improving your financial health. As soon as I came across this opportunity to speak to Nandish and to work with him on my personal finance situations, I jumped on the opportunity and I am glad I did so. Most people can relate to two key things involved in running a business: Increasing revenue or optimizing costs. Nandish helped me view myself (& my family) as business. He helped me think through ways to reducing unnecessary expenses and provided ideas for increasing revenues. Also, he helped to plan to optimally utilize the profits i.e. savings to be invested in SIP or Loans etc. Before talking to Nandish, I would always wonder at the concept of planning for long term goals because I used to think that my goals are always flexible and depends on lots of things. Nandish helped me re-define my goal to be Wealth Generation & thats perhaps my single best learning from him. I sincerely thank Nandish and Jagoinvestor team for the tactical support to improve my financial life. More importantly, I think the real value of counselling with Nandish is the physiological shift that I trust will continue to help me in future as and when things change. I wholeheartedly recommend Jagoinvestor services to anyone genuinely interested in making smarter financial decisions. Vinit Garg - Gurgaon
18
copyright : www.jagoinvestor.com