Friday, June 5, 2009
LIFE INSURANCE
dear all, If anybody wants to know anything about life insurance and about any policy details and working out pl contact me. I am from india but i can give policy to anywhere in india and also to NRIs. We can contact each other through e mail and chat and decide what policy to be given according to the need of the clients and u can undergo the required medical in your place\country itself and no need to come to chennai\ india. U can download the forms sign and send it and other things u can scan ur documents upload it and we can receive. OR i will send the forms after our discussions and getting ur confirmation thro e mail i will get the required forms from our lic and send it to u. After medical along with the medical papers it will directly be sent to lic by the doctor and once it is acceptted the policy will be delivered. For any clarification\ details and working out about any policy please mail me. iservebetter@gmail.com raretocare@gmail.com Thanks.
Thursday, December 25, 2008
Better returns by combination of plans
Dear All, A brand new single premium life insurance policy with Garunteed return of 10.5% and that too with non taxable maturity and income tax rebate when you pay the premium also available. Loan is eligible, nomination allowed. Best than PPF, NSC, NSS, GPF, Even the FDs of Bank. You can well compare and come back to me. Life risk cover also there. Pl contact or call me or mail me. Thanks. B. Radha. raretocare@gmail.com +91 9444947927
You can ask me anything about life insurance. uliveforever@gmail.com This single premium policy will be getting closed even before 20th jan 2009. pl hurryup. Do you want payment twice during your life time from lic or payment twice in your absence to you nominee there is a scheme. Do you want a joint life pension for you and also to spouse upto the age of 75. ATM from lic.
pay for 16 yrs and continue to get the tax benefits upto 25 yrs even without paying premium and then get the maturity value on 25th year. and even after that your life risk is covered for full value and the nominee would also be paid another sum assured in addition to maturity benefit what you got. feel free to mail me or to call me but pl give your e mail id, cell no and house address. you pl mail me your dt of birth and details i will workout some schemes and mail you back and you can compare and decide.
You can ask me anything about life insurance. uliveforever@gmail.com This single premium policy will be getting closed even before 20th jan 2009. pl hurryup. Do you want payment twice during your life time from lic or payment twice in your absence to you nominee there is a scheme. Do you want a joint life pension for you and also to spouse upto the age of 75. ATM from lic.
pay for 16 yrs and continue to get the tax benefits upto 25 yrs even without paying premium and then get the maturity value on 25th year. and even after that your life risk is covered for full value and the nominee would also be paid another sum assured in addition to maturity benefit what you got. feel free to mail me or to call me but pl give your e mail id, cell no and house address. you pl mail me your dt of birth and details i will workout some schemes and mail you back and you can compare and decide.
Monday, October 20, 2008
know about life insurance
dear all, If anybody wants to know anything about life insurance and about any policy details and working out pl contact me. I am from india but i can give policy to anywhere in india and also to NRIs. We can contact each other through e mail and chat and decide what policy to be given according to the need of the clients and u can undergo the required medical in your place\country itself and no need to come to chennai\ india.
U can download the forms sign and send it and other things u can scan ur documents upload it and we can receive. OR i will send the forms after our discussions and getting ur confirmation thro e mail i will get the required forms from our lic and send it to u. After medical along with the medical papers it will directly be sent to lic by the doctor and once it is acceptted the policy will be delivered. For any clarification\ details and working out about any policy please mail me. iservebetter@gmail.com raretocare@gmail.com Thanks.
U can download the forms sign and send it and other things u can scan ur documents upload it and we can receive. OR i will send the forms after our discussions and getting ur confirmation thro e mail i will get the required forms from our lic and send it to u. After medical along with the medical papers it will directly be sent to lic by the doctor and once it is acceptted the policy will be delivered. For any clarification\ details and working out about any policy please mail me. iservebetter@gmail.com raretocare@gmail.com Thanks.
Sunday, October 12, 2008
Pay 1,42,300 roughly for 21 yrs & Get 3,00,000 with an addtional increase of more than 20,000 every year.
Dear All :
If a person aged 33 pays roughly Rs.1,42,300 yearly for 21 years he get a life cover of min of 50 lacs to 80 lacs gradually increases year by year (ie. upto his 75th age life cover ) and from his 54th age ie. after 21st year he need not pay even a single paise as premium and he starts getting minimum of 3,00,000 every year and it goes on increasing by 20,000 to 25000 every year till he is 75 ie. 3lacs, 3.30 lacs like that. And finally he gets roughly 7.,50,000 on the 75th age also.
In other way he pays roughly 28,50,000 and gets 1,05,60, 000 plus life insurance cover of 50 to 80 lacs if anything happens inbetween. He also gets the tax benefits during the premium paying term of 21 yrs and even beyond that upto 75th age as the balance year premium from 54 to 75 years is paid by the maturity values and the balance only paid to him as yearly 3 lacs and increased by 25000 every year. If u take the income tax rebate also into account the IRR will be more. He also gets the income tax benefits from his 54th age to 75th age for his policy premiums which he is not actually paying from his pocket., but he gets the Income tax benefits.
This is only a rough calculation and i can even exactly workout and tell u if any one is interested and this can be taken as a pension policy but non taxable pension. mail to raretocare@gmail.com
If a person aged 33 pays roughly Rs.1,42,300 yearly for 21 years he get a life cover of min of 50 lacs to 80 lacs gradually increases year by year (ie. upto his 75th age life cover ) and from his 54th age ie. after 21st year he need not pay even a single paise as premium and he starts getting minimum of 3,00,000 every year and it goes on increasing by 20,000 to 25000 every year till he is 75 ie. 3lacs, 3.30 lacs like that. And finally he gets roughly 7.,50,000 on the 75th age also.
In other way he pays roughly 28,50,000 and gets 1,05,60, 000 plus life insurance cover of 50 to 80 lacs if anything happens inbetween. He also gets the tax benefits during the premium paying term of 21 yrs and even beyond that upto 75th age as the balance year premium from 54 to 75 years is paid by the maturity values and the balance only paid to him as yearly 3 lacs and increased by 25000 every year. If u take the income tax rebate also into account the IRR will be more. He also gets the income tax benefits from his 54th age to 75th age for his policy premiums which he is not actually paying from his pocket., but he gets the Income tax benefits.
This is only a rough calculation and i can even exactly workout and tell u if any one is interested and this can be taken as a pension policy but non taxable pension. mail to raretocare@gmail.com
You want a fixed Pension from age 20 without any tax in that
I can make you to get a fixed guaranteed pension (irrespective of market fluctuation) from your age 20 and also it is ensured that your 3rd generation also gets the benefits of your estate.
If you can spare and pay an yearly premium Rs. 49220(if you are above 18years old) and if below 18 years old Pay Rs.48220 yearly)for 20yrs on completing that period you will be given 10,00,000 and from that day no need to pay any premium irrespective of your age and income. From the next day you will be given a non taxable pension of Rs.55000 every year till you live and the health condition is not a constraint. After your life time the nominee will also be given another 12,00,000. If any life risk takes place even before the 20th year unfortunately the nominee gets the insured value.
The returns are guaranteed. For detailed contact me: raretocare@gmail.com
If you can spare and pay an yearly premium Rs. 49220(if you are above 18years old) and if below 18 years old Pay Rs.48220 yearly)for 20yrs on completing that period you will be given 10,00,000 and from that day no need to pay any premium irrespective of your age and income. From the next day you will be given a non taxable pension of Rs.55000 every year till you live and the health condition is not a constraint. After your life time the nominee will also be given another 12,00,000. If any life risk takes place even before the 20th year unfortunately the nominee gets the insured value.
The returns are guaranteed. For detailed contact me: raretocare@gmail.com
why life insurance is required & for How much.
Dear All, Our life is uncertain but our income is certain if we live only and whether we live or not our dependants must live that too with the same comfort at least what we give them today and their future education and marriage etc etc are to be conducted in the same manner as we conduct but even in our absence.
Today my age may be 18 and my income may be few thousand but when age grows my experience grows and my position changes and income also increases all these things only if i live. Other wise only my liabilities will increase with nil income.
When the bread winner dies the bread to the family should not die. For that we should insure adequately now.
There are
2. Capital Need Analysis Method: I require a sum of capital ie.10 lac after 20 yrs for conducting my daughter marriage. 30 lac for my future pension after 15 yrs and another 10 lac for my son's higher education after 16 yrs. If that much money is required on that stipulated date what would be the today's value for that. Then I arrive the amount of my life insurance cover to get that much capital needed to fulfill that obligations on that exact dates.
3.The Third Method is : Net Worth Method. Under this i calculate all my moving and deduct the depreciation, then all my income earning , non income earning , and all my liabilities deducted from the total assets. Then i see the result and if the liabilities are more than the or the net assets if not fetching at least my today's income by way of its interest I take a policy to over come the shortage. So, that If i die at least my liabilities are not passed on to my dependents and I ensure that they get my income even in my absence.
Now from birth to death for any age there are policies. Child policy for children world class education, marriage, adult to protect their income, joint life policies, Pure life risk policies with low premium with no return, money back, double cover, tripple cover, extended cover, go on increasing life risk value with out increase in premium, limited payment of premium policies, pension policies for my old age, Guaranteed addition policies and so on. Income tax planning, savings planning, housing loan can obtained through lic policies.
The entire returns by way of money back, maturity, pension is fully exempted from income tax. All the money paid in up keeping the policy in respect of self, spouse, children irrespective of their age and marital status it is exempted on the person who pays the premium.
If any one wants to know about anything in life insurance a to z i can explain, clarify, even send the worked out chart provided if they give their dt of birth, min premium per year and max premium upto how much they can afford to pay and for how many years.
How to take Policy from me: One need not come to chennai south india or even to india if you are an NRI. You can email me and thro e mail all can be done and medical can be done at your
place/country itself. For details pl contact me at radhabhu@yahoo.com raretocare@gmail.com +91 09444947927 I am in this field for the past 20 years.
Any suggestion to improve and all your valuable advise to improve this will be welcomed and appreciated and I will be very grateful to all of you for your kind support. Thanks. b. radha.
mail me to raretocare@gmail.com
Today my age may be 18 and my income may be few thousand but when age grows my experience grows and my position changes and income also increases all these things only if i live. Other wise only my liabilities will increase with nil income.
When the bread winner dies the bread to the family should not die. For that we should insure adequately now.
There are
3 methodsof calculating our life insurance amount. ie. 1. Human Live value : In this method i take my present income, calculate my promotion and higher income what would i be earning till my retirement and then the cost inflation then i arrive at a figure then deduct my personal expenses amount. The remaining is the family income which must go to them even in my absence. This is Human Life Value.
2. Capital Need Analysis Method: I require a sum of capital ie.10 lac after 20 yrs for conducting my daughter marriage. 30 lac for my future pension after 15 yrs and another 10 lac for my son's higher education after 16 yrs. If that much money is required on that stipulated date what would be the today's value for that. Then I arrive the amount of my life insurance cover to get that much capital needed to fulfill that obligations on that exact dates.
3.The Third Method is : Net Worth Method. Under this i calculate all my moving and deduct the depreciation, then all my income earning , non income earning , and all my liabilities deducted from the total assets. Then i see the result and if the liabilities are more than the or the net assets if not fetching at least my today's income by way of its interest I take a policy to over come the shortage. So, that If i die at least my liabilities are not passed on to my dependents and I ensure that they get my income even in my absence.
Now from birth to death for any age there are policies. Child policy for children world class education, marriage, adult to protect their income, joint life policies, Pure life risk policies with low premium with no return, money back, double cover, tripple cover, extended cover, go on increasing life risk value with out increase in premium, limited payment of premium policies, pension policies for my old age, Guaranteed addition policies and so on. Income tax planning, savings planning, housing loan can obtained through lic policies.
The entire returns by way of money back, maturity, pension is fully exempted from income tax. All the money paid in up keeping the policy in respect of self, spouse, children irrespective of their age and marital status it is exempted on the person who pays the premium.
If any one wants to know about anything in life insurance a to z i can explain, clarify, even send the worked out chart provided if they give their dt of birth, min premium per year and max premium upto how much they can afford to pay and for how many years.
How to take Policy from me: One need not come to chennai south india or even to india if you are an NRI. You can email me and thro e mail all can be done and medical can be done at your
place/country itself. For details pl contact me at radhabhu@yahoo.com raretocare@gmail.com +91 09444947927 I am in this field for the past 20 years.
Any suggestion to improve and all your valuable advise to improve this will be welcomed and appreciated and I will be very grateful to all of you for your kind support. Thanks. b. radha.
mail me to raretocare@gmail.com
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