Indianmoney Review Bangalore – Top Life Insurance Riders That You Must Know

It’s great that you have availed a life insurance policy to protect the future of loved ones. In this World of uncertainty, only life insurance can provide for your family when there is a loss of income on an unexpected demise.

As Per Indianmoney Review Bangalore, if you are the breadwinner of your family, then it is extremely important for you to avail a life insurance policy. Life insurance plan covers the risk of death of the policyholder, within the term of the plan. The main purpose of availing a life insurance policy is to substitute for loss of income, when the breadwinner of the family passes away.

Indian money Review Term Life insurance policies are pure risk protection plans with no survival benefits. Life insurer pays out the sum assured or death benefits to the nominee or beneficiary, when the insured dies within the term of the plan. This helps family members continue leading the current lifestyle.

Types of Life Insurance:

Term Life Insurance Policy
Unit Linked Insurance Plan (ULIP)
Endowment Policy
Money Back Policy
Whole life Insurance Policy
Child Insurance Plans
Annuity Plans for retirement

To choose the right life insurance policy, you must first understand your requirements. Analyze family’s lifestyle, future expenses and liabilities. Your life insurance policy must be able to take care of all these needs. To get an idea on how much life insurance you need, take a look at IndianMoney.com HLV Calculator.

You can increase the sum assured by availing riders or add-on features, along with a life insurance policy. Indianmoney dot com review Riders alone pay a considerable sum if the insured happens to meet specific incidents, as specified under the rider. Riders offer rider sum assured at additional premiums.

Want to know more on Term Life Insurance? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products. We only provide FREE financial advice/education to ensure that you are not misguided while buying any kind of financial products.

Have a complaint against any company? IndianMoney.com’s complaint portal Iamcheated.com can help you resolve the issue. Just visit IamCheated.com and lodge your complaint. If you want to post a review on any company you can post it on Indianmoney.com review and complaint portal IamCheated.com.

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Indian Money Review – How to Avail Lower Rate on a Personal Loan

If you want to get a personal loan then it will be important for you to do everything possible to get the loan for a lower interest rate. In this Indian Money review we will look at how you can qualify for good interest rates when applying for personal loans.

How to bring down interest rate on personal loans?

Before you apply for a personal loan, you need to be aware of the fact that these loans are approved as per ability of the borrower to repay the loan and also on person’s credit score. Indianmoney.com Bangalore reviews aspects that you need to consider for getting a personal loan at best rate.

Timely Repayment of Debts

You will be able to maintain good credit score when you pay your debts (such as loan installments and credit card dues) in time. Other things you can do are, limit the cards you use, control the usage for cards, make timely payment of EMIs, and if possible take secured credit.

Stay Away from Applying for Several Loans Together

Indian Money company reviews show that if a person is applying for loan from several companies at a time then it brings down person’s credit score. This, in turn reduces the chances of loan approval since multiple credit checks negatively effects applicants CIBIL score.

Stability of Job

In Indianmoney dot com review it was found that personal loan providers expect that an applicant has a minimum of 2 years of experience in a job. This highlights job stability person has and qualifies him or her for better interest rate.

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Review of Primary Reasons Why People Buy Leads from Lead Market

What do you understand by a lead? A lead refers to likely customers, who are important for online businesses and also for services industry. It will not be wrong if we say that, financial services such as mutual funds, loans, insurance, and real estate all usually function based on leads.

In case, you are looking for leads in the realm of financial services, there issingle place to search at. Lead Market is country biggest marketplace when we talk about financial intermediaries such as stock brokers, insurance agents, and distributors of mutual funds to buy as well as manage pre-qualified leads.

Leads that available at Lead Market are usually generated through one of the largest financial advice websites, IndianMoney.com and it is also the Parent Company for Lead Market. IndianMoney.com is also registered under the name of Suvision Holdings Private Limited.

Review of Main Reasons People Should BuyValuable Leads from Lead Market

What is the usefulness of lead generation? There are many financial organizations that required leads. Lead Market assists in generation of quality leads for personal finance products.

There’s more: Lead Market reviews Indicate key features present in their Lead Market App that arewell detailed and provide information about qualified leads. Lead Market related feedback informs us that stringent quality checks done by Lead Market help in bringing excellent leads.

Additionally, all the leads present on Lead Market App are usually validated and verified through what is known as MAN. MAN is the abbreviation for Money, Authority and Need where decision maker has to examine whether he has the funds to buy and if really any need for financial products has. Moreover, all leads are validated by Lead Market after MAN.

Lead Market reviews show us that when you buy leads, you receive extensive information about all the qualified leads.

The ‘Campaign Manager’ assigned by Lead Market assists with generation of industry specific leads having hundred percent assuranceabout quality of lead.

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C. S. Sudheer Reviews Complexities of Financial Products

C S Sudheer is the founder and CEO of IndianMoney.com – India’s largest Financial Education Company. He holds a strong vision to serve the nation by spreading financial literacy and promoting financial inclusion. Being a university topper C. S. Sudheer always aspired to achieve big in his life. As a first step, he joined the insurance industry wherein he witnessed numerous complaints of mis-selling practices. In the year 2008, while serving as the Regional Head of a leading broking house he met an auto driver who was brutally misled by an insurance agent, resulting in the loss of his lifetime savings.

After thorough review C. S. Sudheer decided to start a financial education company at the tender age of 22 to curb unscrupulous sales practices rampant in Indian Financial Services industry. Ever since, he has taken up this mammoth task of educating common man on various financial products in a simple and easy to comprehend language. It helps them with easy to consume capsules of financial education so that they are not cheated by any of the intermediaries.

Sudheer has immense passion for writing. In this profile, he has authored the book ‘Love Beyond Death’ which takes the readers on a journey full of introspection and inspiration. Through the book, he attempts to showcase to the people the importance of securing their loved one’s future by prompting to buy Life insurance policies according to their needs.

A distinguished orator, Sudheer has been the speaker at RBI’s Digital Banking Conference and Mint’s Fintech Conference. He was invited by the World Bank to attend World Bank’s Fintech CEO’s Summit in Washington DC. He is the host of several TV programs like ‘The Wealth Doctor Show’ on India’s leading English news channel Times Now, ‘Money Doctor Show’ on CNN IBN and News 18 Kannada. His columns ‘Money Maathu’ in Vijayavani and ‘Money Guide’ in Vijaya Karnataka are very popular. He is also the member of the Board of Studies of National College, Bangalore.

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http://www.businessworld.in/article/We-Aim-To-Make-India-Financially-Literate-Says-C-S-Sudheer-IndianMoney-com/18-07-2018-155155

https://www.indiainfoline.com/article/editorial-interviews-leader-speak/interview-cs-sudheer-founder-ceo-indianmoney-com-118110200774_1.html

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Review and file a complaint on online fraud – Indian Money Review

Indian money Review, a consumer cheated by an online shopping site can raise a complaint against them, by registering a consumer complaint on the official website of the consumer & empowerment centre.

What is Online Fraud?

Online fraud is theft which is committed online. These types of frauds involve financial fraud or identity fraud. There are various ways in which online fraud is done. Online fraud is mainly done to get the individual reveal personal information or by luring the person to willingly transfer money to the scammers account. These frauds can either be done through virus attacks or by sending emails with a log in page that would collect individual’s personal data or by luring the person to send money to accounts created by fraudsters via fake websites.

Online shopping frauds:

The success of online shopping is mainly due to the advancement of technology. Technology has made it easier for scammers to hack people’s personal data. However, it is often the tech savvy people who fall prey to these online scams. As per Indian Money reviews, the fraudsters often play with people’s emotions either by exploiting the ability to make irrational decisions under the influence of emotions or by engaging a user to an extent where they will fully agree to transfer money to the scammers accounts.

It is a crime where the scammers play smart exploiting people’s greed or by exploiting the ignorance of people who have less knowledge on technology. Online shopping frauds are also on the rise.

The typical online shopping frauds are as follows:

Prize scam: These scams can be committed, by telephone or by mail. They inform that you have won a prize like a large sum of money, shopping vouchers, a free holiday or travel related products and to claim it, you are asked to send money or provide personal information.

Products at very low prices: Indian Money Bangalore says, a product is advertised at an unbelievably low price, or advertised saying they have amazing benefits or features that sound too good to be true. The online site may ask for payment before accessing the deal or make you pay for some fake vouchers.

Foreign retailer: When purchasing goods from a foreign shopping site, carefully go through the information on the retailer’s policies and delivery.

Unsecured Payment method: The biggest fraud on a retail website is the method of payment. Scammers will often ask you to pay using a money order or wire transfer. Once you make the payment through this method, it is likely you will never receive the purchased item or most probably receive a fake item.

Have a complaint against any company? IndianMoney complaint portal Iamcheated.com can help resolve the issue. If you want to post a review on any company you can post it on Indian Money review and complaint portal IamCheated.com.

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IndianMoney Complaints – Compare ULIP Plan, Review and Benefits

Unit Linked Insurance Plans or ULIPs are insurance cum investment plans. ULIP offers life insurance cover and an opportunity at wealth creation. Part of the premium goes towards mortality cover and the remaining amounts are invested in equity, debt or a mix of both, depending on the type of ULIP. ULIPs help achieve financial goals of retirement planning, investment planning, tax planning and children’s education planning among others.

ULIP is a long-term investment which has a 5 year lock-in period. Insurance agents sell ULIPs promising great return on investments. ULIPs are also marketed as tax saving investments. The purpose of availing insurance is risk protection. Sadly, ULIP offers low mortality cover and insurance agents don’t inform people which is cheating and fraud.

Indian Money review Bangalore say never mix insurance with investments. ULIPs offer low mortality and have high charges. An IndianMoney dot com review says ULIPS deduct premium allocation charges, mortality charges, policy administration charges and some other charges before investing in debt or equity. This reduces the return on investment. IndianMoney complaints say many people are dissatisfied with ULIPs as they get cheated by low returns and hardly any mortality cover.

Indian Money reviews advice availing a pure risk protection plan like a term life insurance plan and invest in equity or debt based on risk profile. If you are an aggressive investor, invest in equity mutual funds or stocks. A conservative investor can look at FDs, post office schemes or FMPs.

IndianMoney Complaints: Compare ULIP Plan, Review and Benefits

Compare ULIP Plans: Reviews and Benefits:

IndianMoney reviews say understand ULIPs before availing them. ULIPs have a lock-in of 5 years. Being dissatisfied with the ULIP means you have to surrender ULIPs. You feel cheated as there are surrender charges.

Insurance agents sell ULIPs to pocket commissions. When you feel cheated and look to exit ULIPs, insurance agents advise surrendering ULIPs and availing Endowment plans. This is churning and helps insurers earn more commissions. This blatant cheating and fraud has brought a bad name to the insurance sector in India.

IndianMoney.com reviews say most of the premiums paid on ULIPs go towards investments, leaving very little for insurance. You would be better off investing in mutual funds regulated by SEBI. It’s difficult to measure performance of ULIPs vs Mutual Funds.

Indian Money Bangalore say never invest in ULIPs if you can’t bear risk. ULIPs are market-linked investments and you could lose money. ULIPs are not a good investment for people with no regular income. Premiums have to be paid regularly unlike SIPs in mutual funds, where you can stop SIPs on not having the money. Surrendering the ULIP incurs surrender charges.

Insurance agents cheating and fraud:

IndianMoney reviews say insurance agents cheat customers saying ULIPs are like bank FDs. Insurance agents say ULIPs are just like bank FDs with the added insurance benefit. Insurance agents say ULIP illustration benefits offer 4% and 8% which are just like bank FDs. ULIPs also enjoy tax benefits vis-à-vis FDs. When customers lose money, this is cheating and fraud.

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Check Reviews and Complaints about Private Lenders on Indian Money

What are payday loans?

Youth in India love availing payday loans. Payday loans are also called quick cash loans, instant personal loans, and small cash loans and so on. They are availed by young people who have just joined jobs and are not able to manage expenses. It is a small cash loan to meet immediate expenses, availed by salaried people. Many people in their first job avail payday loans. Repayments are made as soon as they get the salary.

Payday loan complaints

You can avail payday loans with bad credit score. If you have a credit score around 600, you could get payday loans with bad credit. Loan amounts range from Rs 10,000 to Rs 50,000. The tenure ranges from 1 month to 3 months.

Indian Money Review tells you to avail payday loans carefully because of high interest rates. Some payday loans say just 0.1% interest a day. Looks a small amount but is it? This is actually 36% a year which is a massive interest rate. You are borrowing at 36% a year. IndianMoney.com reviews encourages you to lodge complaints if you are cheated in payday loans. It would be smart to have an emergency fund to meet unexpected expenses. Borrow only to meet need and not greed. IndianMoney.com tells you the smart way to cut expenses is to avoid needless borrowing. This saves you from the loan trap.

Have a complaint against any payday lender? IndianMoney complaints portal Iamcheated.com can help you resolve the issue. Just visit IamCheated.com and drop your complaint.

If you want to post a review on any company you can post it on Indianmoney.com review and complaint portal IamCheated.com.

Money lender India

A money lender gives small amounts at high interest. People who are desperate for money, don’t get money from relatives and reluctant to access formal banking systems end up victims to fake money lenders. Money lenders in India are governed by the Money Lenders Act and money lenders must have a license.

How money lenders cheat customer?

Fake money lenders cheat laborers, small farmers and poor people and the weaker sections of society by charging exorbitant interest rates. They seize collateral like land pledged and farmers even commit suicide.

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Post your complaints on Indianmoney if you are cheated in car loan

Banks finance the purchase of a new car or a used car through a car loan. Car loans are available at reasonable interest rates and a tenure which enables easy repayments. Car loans help you buy the dream car at a young age.

Want to know more on Car Loans? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney Complaints is not a seller of any financial products. We only provide FREE financial advice/education to ensure that you are not misguided while buying any kind of financial products.

Post Your Complaints on IndianMoney If You Are Cheated in Car Loan

Car loan Fraud:

Car loan Cheated are committed by both dealers and financing agents. These are some of the cheated you should be aware of:

Guaranteed approval: There is no such thing as a guaranteed loan. Any lender will first run a credit check before approving the loan. So, if you have a bad credit score, your car loan will not be sanctioned.
Upfront payment: Some dealers may ask for upfront fees. The lender lures the customer to pay a fee before the application is processed or before the funds are disbursed. This type of scam typically takes place online.

Financing scam:

Another type of fraud related to vehicle financing is when the dealer incorrectly discloses the financial terms of the loan. This dishonest practice is designed to dupe the buyer into thinking that the loan is more favorable than it really is.

Are you cheated by Loan Providers? Cottage a complaint on Iamcheated.com which is a free online consumer complaints portal, which registers consumer complaints online and helps resolve them. If you have been cheated by banks or do not receive any response, do get in touch. You can post your complaint on Indianmoney.com complaints portal IamCheated.com.

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Review your Complaints with IndianMoney If You Are Cheated By Insurers

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Studies have shown that bank executives and insurers continue to cheat and mis-sell insurance products. Many bank executives do not understand insurance, yet continue to sell life insurance plans to pocket high commissions.

A common way bank executives and insurers cheat you, is they don’t mention the free look period. You can return a life insurance plan if you are not satisfied with the terms and conditions, within 15 days of receiving policy documents.

IndianMoney advises you to understand free look period, before availing life insurance plans. Want to know more on term life insurance plans? We at IndianMoney Complaints will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products.

Post Complaints on IndianMoney If You Are Cheated By Insurers

How insurance agents cheat you?

They advise not to tick smoker or drinker in the insurance proposal form to save on premiums.

They push endowment plans and ULIPs which have high premiums and low mortality, just to pocket commissions.

They advice surrendering endowment life insurance plans and pick up new insurance plans to get commissions called churning of plans.

Insurance agents neglect to disclose important facts on insurance plans, leading to improper financial decision making.

IndianMoney – Review Your Financial Plans with Indian Money

Financial planning is a process of meeting financial goals through proper money management. Financial goals could be short term like going on a vacation, mid-term like buying a car or long term like retirement or buying a house. Financial planning helps achieve strategic goals and objectives.

Take a look at financial planning thumb rules. One of the first rules of financial planning is Pay Yourself First. Save a part of monthly income before spending. As income rises make sure to save more. Follow the 50-20-30 rule. About 50% of your income should go for living expenses, 20% for savings for medium/long term goals and 30% for spending like travel and vacation.

Want to know more on financial planning? We at IndianMoney Review will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products. We only provide FREE financial advice/education to ensure that you are not misguided while buying any kind of financial products.

Why you should regularly review your financial plan?

Why do you go for a medical check-up at regular intervals? Isn’t it to stay in good health? In much the same way, the financial plan requires a regular review.

Set achievable goals: When setting financial goals it is very important to set achievable goals. Setting unachievable goals demoralizes you and it’s a setback to the financial plan. If you have set unachievable financial goals, review the financial plan. Review both the financial instruments you have invested and the investment. A simple example of financial plan review is if you have set a financial goal to retire at 55 and find the money insufficient, reset the retirement age at 60. Let’s say you had planned to buy a house for Rs 90 Lakhs. You find the investment insufficient? Then settle for a house of Rs 75 Lakhs.

Salary is hiked: A hike in salary calls for review of financial goals. A big salary hike means financial plan review. You might have got a windfall like EPF money or an inheritance. It’s time to revise investments and investment objectives. You can set new financial goals or allocate more money towards investments.

Set up an emergency fund: As your family grows you need an emergency fund. Keep at least 3 months of living expenses in the emergency fund if you are single. Make this 6 months if you are married.

Increase in number of dependents: If there is an increase in the number of dependents (say the birth of a child), review financial plan. You might need additional life or health insurance. You would have to set aside more money towards investments. Make sure you do Estate Planning by writing a WILL as dependents increase to avoid fights and controversy.

Change in the tax status: Let’s say you have changed your job and got a salary hike. This puts you in the higher tax slab. You might need to focus on tax planning to save more money.

Your risk tolerance and risk appetite have changed: If you have turned from a conservative investor to an aggressive investor, review financial plan. You might have to review the investment plan as you go for more aggressive investments.

What to consider in financial review?

IndianMoney.com Reviews advises you to update financial advisor on life changes: Your financial advisor must know your important milestones to make the right financial decision. If you are newly married, this calls for a financial plan review. Your financial advisor will draw up a new plan or reform the current financial plan.
IndianMoney.com advises you to check your investments: Check if investments are giving returns in line with the financial plan. If investments are not performing up to standard, then decide where to allocate the money. Asset allocation is very important in a financial plan.
Is your retirement on track: Healthy ROI (Return on Investment) and more allocation of money towards retirement helps retire early? Do financial review to check if investments are on track to achieve early retirement.
Interact with financial advisor: Your financial advisor knows a lot of people (has handled a lot of clients) with similar financial goals or who have been in similar situations. He is in a unique situation to help with financial and life goals.

Read More article: Review Your Financial Plans with Indian Money

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