Insurance Guide
1 Crore Term Insurance for ₹500/Month? Pure Term vs. Return of Premium (TROP): Which One is the Scam?
In India, we have a mental block. We hate spending money on something if we don&…
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Insurance Guide
Buying Critical Illness Rider? Stop! Why a Standalone Policy Covers 30+ Diseases While Your Rider Only Covers 5
🏥 The "Side Dish" Illusion (2026 Update) You are finalizing a Term Insurance plan. The agent pitches:…
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Insurance Guide
Ignore Claim Settlement Ratio! Why Incurred Claims Ratio (ICR) is the Real Truth Detector for Insurers
📊 The "99%" Marketing Mirage (2026 Reality) Every insurance agent begins their pitch with the same st…
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Insurance Guide
Bank Manager Sold You a ULIP? The 'Mortality Charge' Secret That Destroys Your Wealth
📉 The Investment That Bleeds from the Inside (2026 Warning) You walked into the bank to open a Fixed Deposit. T…
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Insurance Guide
'Unlimited Restoration' vs. 'Super Top-up'. Which One Saves You From the ₹20 Lakh Hospital Bill?
🏥 The "Single Claim" Trap (2026 Reality) Imagine you have a base health policy of ₹5 Lakhs . Medical …
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Insurance Guide
Diabetic? Don't Wait 4 Years for Cover. The 'PED Buyback' Rider That Activates Your Policy on Day 1 (2026)
⏳ The 3-Year Wait Game (2026 IRDAI Update) You manage Diabetes, Hypertension, or Thyroid issues. You responsibly…
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Insurance Guide
