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Life Insurance

Do ULIPs and Money Back life insurance policies benefit you?

image from GoDigit Your Money Deserves Better Every month, thousands of families across India faithfully pay their insurance premiums, believing they're building financial security. But what if your insurance policy is actually working against you? You're not alone. Millions of Indians have purchased money back policies and Unit Linked Insurance Plans (ULIPs) believing they're making smart financial decisions—protecting their families and building wealth simultaneously. Yet

Life Insurance

Abraham Cherian

Oct 2814 min read

Life insurance policy features that may be detrimental to investors

Return of Premium (ROP) and money-back life insurance policies in India promise attractive benefits like premium refunds and periodic payouts, but these features often come with significant hidden costs and poor long-term value that undermine both protection and wealth creation goals. These policies typically charge 1.5 to 3 times higher premiums than pure term insurance while returning money without interest, offering fixed payouts that fail to keep pace with inflation, and

Life Insurance

Abraham Cherian

Oct 236 min read