Best Life Insurance Agent / Consultant in Kothrud – MustInsurance
Best Life Insurance Agent / Consultant in Kothrud - MustInsurance
Best Life Insurance Agent / Consultant in Kothrud - MustInsurance
19 March 2020
Personal accident insurance – coverage that you must buy
Personal accident insurance – coverage that you must buy Accidents have become quite common in today’s age. Whether it is a simple fracture or a major burn or a road accident, you might face severe physical disabilities. When accidents occur, they result in a substantial cost in treatment and recovery. Moreover, in the case of permanent disabilities or death, you lose your ability to work and incur a loss of income. While health insurance policies cover the medical costs associated with accidents, accidental deaths and disablements are not covered. Here is where a personal accident insurance policy comes into the picture. Here is a complete lowdown on accident insurance and why you need it. What is personal accident insurance? A personal accident insurance policy is a plan of insurance which covers accident-related contingency. If you suffer from any of the covered contingency, the plan pays a lump sum benefit which helps you in dealing with the financial loss suffered due to the contingency. Types of personal accident insurance plans Personal accident insurance plans can be of two types which are as follows – Individual personal accident plan Under this plan, one individual is covered under the policy. Group personal accident […]
27 May 2020
Are life insurance plans a good investment option for individuals?
Are life insurance plans a good investment option for individuals? Why do you buy life insurance plans? Is it to achieve financial security for your family or is it to create wealth? It is only human to want more and so many of you want to avail multiple benefits from your life insurance investments. Insurance companies also understood this sentiment of their customers and so they designed plans which fulfilled these needs. Earlier, life insurance only meant term insurance plans which paid a benefit only in case of death. However, with customers wanting returns from their insurance policies, various savings oriented insurance plans were designed. Today, there are two kinds of plans which offer investment returns. They are – Endowment plans Unit linked insurance plans (ULIPs) Endowment plans are traditional plans which create guaranteed savings. They might declare bonuses which enhance the benefits payable. Moreover, guaranteed additions, loyalty additions, etc. are also promised under most endowment plans to increase the corpus. Endowment plans are long-term plans which come with durations ranging from 10 years to up to 30 years. Unit linked plans, however, are modern day insurance plans which give the benefit of market-linked returns. These plans have been designed with […]
20 May 2020
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) – Differences and Similarities
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) – Differences and Similarities The honorable Prime Minister of India, Mr. Narendra Modi, has introduced several insurance schemes for the general public of India. These schemes are aimed at social welfare and provide good insurance coverage at low premium rates. Among the different schemes which have been launched by the Prime Minister, there are two popular insurance schemes – PMJJBY and PMSBY. Let’s understand what these schemes are all about and do their comparative analysis – Meaning of PMJJBY and PMSBY What is PMJJBY or Pradhan Mantri Jeevan Jyoti Bima Yojana? Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a pure term insurance plan. The plan offers life insurance coverage for one year. If the insured dies during the period of coverage, the sum assured is paid. The sum assured under the scheme is INR 2 lakhs and the premium is INR 330. What is PMSBY or Pradhan Mantri Suraksha Bima Yojana? Pradhan Mantri Suraksha Bima Yojana is a personal accident insurance plan. This plan covers accidental death, permanent total disablement and permanent partial disablement. The policy runs for one year and can be renewed annually. […]
25 May 2020
Top 10 Health Insurance Companies in India
Top 10 Health Insurance Companies in India Today’s age is the age of technology where medical treatments have become advanced and cutting edge. There are treatments for most chronic illnesses too and so life expectancy has increased. However, though medicine has advanced, it has also become expensive. Affording quality healthcare has become financially distressing in modern times. Moreover, as life expectancy has increased, so has the incidence of illnesses. You, therefore, need a health insurance plan to cover the rising costs of medicine and protect yourself financially in a medical emergency. In India, there are more than two dozen health insurance companies which offer a range of health insurance plans for your needs. There are different types of health insurance plans offered by these health insurance companies. Let’s have a look at the different types of health insurance plans which you can find – Types of health insurance plans in India: Indemnity Health Insurance Plans: This type of plans pay only for the expenses incurred during hospitalization. Individual health insurance policies– Individual health insurance plans cover a single person. The plan has a single coverage amount or sum insured which can be utilised by the insured individual for his medical costs. […]
18 March 2020
Everything you need to know about Aam Aadmi Bima Yojna (AABY)
Everything you need to know about Aam Aadmi Bima Yojna (AABY) What is Aam Aadmi Bima Yojna ? The Government of India has introduced the Aam Aadmi Bima Yojna which is a social security scheme focusing on the people living in rural areas of India. The Aam Aadmi Bima Yojna is a group insurance scheme which was introduced on 2nd October 2007. Further, the scheme started operating successfully in 2013. The operational activities related to the scheme are carried out by the Ministry of Finance of India under the supervision of the Government of India. The Ministry of Finance of India had proposed for the merging of two social security schemes i.e. ‘Aam Aadmi Bima Yojna’ and the ‘Janashree Bima Yojna’. After the merging, this scheme is known as the ‘Aam Aadmi Bima Yojna’ which offers insurance coverage to the family head of a rural family or an earning member in the family. By this scheme, the beneficiaries of the scheme qualify to apply for this scheme without having to pay any money for this. The premium for this insurance scheme is Rs. 200 and this amount is shared between the State Government and the Central Government. The major objectives […]
26 March 2020
All you ever needed to know about the Pradhan Mantri Bima Yojana Details
All you ever needed to know about the Pradhan Mantri Bima Yojana Details The Government of India has come up with many social security schemes for individuals and households in order to provide financial security. Pradhan Mantri Bima Yojana is mainly introduced with an objective of providing financial protection against illness, accident or death, specifically for an underprivileged and uninsured section of the society. There are mainly two Bima Yojanas introduced by the Modi-led government. You can apply for Pradhan Mantri Bima Yojana online through authorised bank’s net banking facility. Let’s take a look at the various Pradhan Mantri Bima Yojana available for enrolment. Pradhan Mantri Suraksha Bima Yojana Pradhan Mantri Suraksha Bima Yojana is introduced by the Government of India to provide accidental death coverage to larger uninsured section of the society. Highlights of Pradhan Mantri Suraksha Bima Yojana Any Indian citizen between the age of 18 years and 70 years can enrol into this scheme Individual must have a savings account from where he can give consent to auto-debit the premium amount The policy is issued for one year period starting from 1st June to 31st May of the next year. Yearly renewal can be done. You can also opt for long-term enrolment with auto-debit of […]
28 March 2020
Guide To Download LIC Premium Payment Receipt
Guide To Download LIC Premium Payment Receipt Life Insurance Corporation of India is one of the most trusted insurance company in India. LIC is not only popular for its wide presence and numerous variety of life insurance products, but it is also known for high-quality customer services it provides. Right from purchasing the LIC policy to claiming the benefits, LIC offers ease and convenience to its customers for every service. LIC’s e-services make it easy for the customer to pay the premiums online without any hassles and access LIC online payment receipt anytime. Visiting the branch to obtain the LIC premium paid certificate is no longer needed. LIC premium paid statement is usually required by policyholders to submit it as proof of investment for income tax declaration purposes. LIC online payment receipt and consolidated premium paid statement can be downloaded from the LIC website easily with few clicks. Steps to download LIC premium payment receipt User ID and password for the LIC customer login portal is all that you need to download the LIC premium payment receipt instantly in no time. That means you need to be registered for the LIC e-services to download the LIC premium paid certificate. If you are a registered user, following are the simple […]
28 March 2020
A Complete Guide To Endowment Policy
A Complete Guide To Endowment Policy With profits or participating plans Life insurance plans come in many different variants. Broadly, life insurance plans are classified under two heads –Traditional plans are those which promise guaranteed returns whereas under unit linked plans the returns depend on the performance of the market.Traditional plans can be of different types and one such type is an endowment policy. Do you know endowment policy meaning? If you don’t here’s a complete lowdown on endowment insurance plans.What is an endowment plan? An endowment policy is a life insurance policy which helps you in creating guaranteed savings for your financial goals. The plan has a death benefit and also a maturity benefit. In case of death of the insured during the term of the policy, a promised death benefit is paid. Moreover, if the insured survives till the end of the policy tenure, a promised maturity benefit would be paid. Thus, endowment insurance plans cover both death and maturity and help in creating savings. Types of endowment policy Endowment plans can be offered in two variants which are as follows –Or Without profits or non-participating plans With profits plans are those which earn bonus. If the insurance company earns a profit in the financial year, the profit […]
21 May 2020
PLI Status: All about checking the status and paying premiums of postal life insurance online
PLI Status: All about checking the status and paying premiums of postal life insurance online The establishment of Postal Life Insurance (PLI) goes all the way back to pre-independent India. PLI was founded in the year 1884 as a State Insurance scheme for the employees of the postal department. In the year 1888, the scheme was extended to cover employees of the telegraph department as well. However, today, PLI schemes are not only restricted for employees of the postal and telegraph departments. It can be bought by individuals working in public sector companies, Government organisations, banks and financial institutions, educational institutions, etc. Postal Life Insurance offers a range of traditional insurance plans which promise a guaranteed benefit. The premiums under the plans are very low and affordable and the plans promise attractive bonus earnings. Some of the plans offered by PLI include the following – Name of the plan Type of plan Salient features Suraksha Whole life plan · The plan runs till the insured attains 80 years of age · On maturity, the sum assured and bonus are paid · The loan can be availed after four policy years Santosh Endowment plan · Loan is available after three […]
21 May 2020
Top child investment plans in India
Top child investment plans in India Children always hold a special place in your hearts. They are your bundle of joy and you try to bring your child up in the best possible way. That is why you choose the best education, the best clothes, the best food and also the best future for your child. Whatever you do for your child, it involves money. Whether you want your child to go to the best schools or have the best toys, you need money to fund your child’s dreams. Especially when your child wants to build a career for himself/herself you need sufficient funds for higher education. Given the rising cost of education, affording quality education for your child is tough. When it comes to higher education, the challenge becomes more difficult as higher studies are expensive. When you are earning, you set aside funds for your child’s future expenses and higher studies. But what would happen in case of an unforeseen emergency? In case of your premature death, can you ensure a secure financial future for your child? You can if you choose a child insurance plan. Child insurance plans – meaning Child insurance plans are life insurance plans […]
19 May 2020
A complete guide about Pradhan Mantri Suraksha Bima Yojana
A complete guide about Pradhan Mantri Suraksha Bima Yojana The Prime Minister of India, Mr Narendra Modi has launched various types of social security schemes in his tenure. These schemes are insurance schemes which promise either free insurance coverage or coverage at very low premium rates. One such insurance scheme which the Prime Minister launched is Pradhan Mantri Suraksha Bima Yojana (PMSBY). What is PMSBY ? The Pradhan Mantri Suraksha Bima Yojana is a personal accident insurance scheme which covers accidental death and disablements. The scheme was introduced in the Union Budget of 2015 and was later implemented in May that year. Features of PMSBY insurance Listed below are some of the most important features of Pradhan Mantri Suraksha Bima Yojana which you should know – The duration of the scheme is one year after which you can renew it The coverage duration is fixed. It starts from 1st June and continues up to 31st May of the next year The premium of the scheme has to be paid through auto-debit from your bank account Renewal would be allowed only if you agree for auto-debit of premiums from your bank account Deaths and accidents due to natural calamities and murder are also covered The premium for the scheme […]
18 March 2020
Life Insurance Premium Calculator
Life Insurance Premium Calculator What is Life Insurance? Life Insurance is an arrangement or rather an agreement between the insurance provider and the insured person. According to this agreement, the insurance provider will pay a specific amount to the family of the insured person on his death. This sum which is paid by the insurance provider is known as the Sum Assured. The insurance company will pay the sum assured to the insured person in exchange for the payment of a specific amount which is known as life insurance premium. With the increase in the number of lifestyle ailments, the number of accidents, environmental pollution, etc. life has become even more unpredictable. No amount of money can ever fulfil the loss of a loved one, but it can reduce the financial hardships that your family might face in your absence. So, it is always wise to secure the financial lives of your loved ones to help them in avoiding any hardships when you are not with them anymore. Life insurance will help in providing coverage against life risks and take care of the financial needs of your family in your absence. Life Insurance Premium Life Insurance Premium can be defined as the […]
27 May 2020
Are you buying maternity insurance? Check these things first!
Are you buying maternity insurance? Check these things first! One of the biggest blessings during a lifetime is that of becoming parents. The very idea of giving birth to your little one can be both emotional and blissful. However, there is another aspect to parenthood that one must not forget about, the additional expenses. The moment you start planning for a kid, you must also plan your finances as well. The simple reason is that there are a lot of risks and complications that might come along with motherhood. And of course, raising a kid requires lots of proper financial planning. The availability of health insurance for pregnancy is the first check that one should do. You must also plan for the additional expenses that you will have to take care of immediately after the birth of your child. There is no denying that parenthood comes with a flurry of emotions and if you have to worry about the expenses as well, it can be a bit overwhelming. Having a maternity insurance plan will ensure that you are not bogged down by such expenses. There are several medical insurance plans which offer maternity benefits. While it is good to have those benefits, […]
21 May 2020
All you need to know about whole-life insurance plans
All you need to know about whole-life insurance plans Who doesn’t like the security of being covered lifelong when the life insurance policy doesn’t have an expiry date? Whole life insurance policies promise such lifelong coverage and much more. Let’s understand how – What are whole life insurance plans? Whole life insurance plans are those plans which provide coverage until you reach 99 or 100 years of age. Thus, these plans essentially run for your entire lifespan if you die before reaching 100 or 99 years of age. Salient features of whole life insurance plans Whole life insurance plans which are available in the market have some salient features which are as follows: These plans can come in different variants. These variants include the following – Pure protection plans, also known as Term Insurance Planswherein only a death benefit is paid whenever the insured dies before attaining 100 years of age Endowment plans wherein coverage runs till 100 years. In case of death, a death benefit is paid if the insured survives till 100 years of age, a maturity benefit is also paid Money-back planswherein regular money back benefits are paid after the completion of the premium paying tenure. The benefits are paid […]
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Directory FAQ
How can Kothrud Online Directory listings boost traffic to my website?
Kothrud Directory is actively indexed website (ie; appearing in google searches) and because of this, your business which is listed on Kothrud Directory will appear in google search results when someone searches for terms relevant to your business.
As a business directory, our website is heavily indexed by google.
Does listing at Local Directory cost effective versus listing at a national Directory?
National level Directory listing usually is quite costly for small to medium-sized businesses as the annual billing can start anywhere from Rs.10000 and above. The drawback of a national level directory is that the searcher many times cannot find very location specific search results as the results get influenced by businesses listed across multiple areas.
The Biggest Cost to Value benefit of listing your business on Kothrud.com is that at just Rs.3000 for 1st year and subsequent renewals at Rs.1000 per year, you get the following 12 Rich Features:
- 4 web pages of your Business, Products & Services description. This means, you don’t even need a dedicated website where you will spend large money to make it, then to get it into a search engine, domain renewal annual fees, hosting fees. Instead just list on Local Directory engines like ours where you get the same value. We also provide online store capability or payment collection facility for just 5% deduction.
- Top Banner picture of your Business on your listing page
- Up to 20 pics of your products/services
- Direction Guidance Button for customers to reach you Biz location
- Contact Form for businesses to reach you via email
- URLs / Links of your Website, facebook and other social media channels.
- Up to 2 Discount Coupon per year (you share us and we load it)
- Up to 2 Events per year (you share us and we load it)
- Your Biz Listing will appear in Google search engine page searches.
- Your Premium Business Listing details will be posted on our Local facebook pages (eg; facebook.com/kothruddotcom , www.facebook.com/pimplesaudagar.in )
- FREE Twitter integration. You keep your LISTING ACTIVE WITH YOUR LIVE TWEETS.
- Whatsapp share button (easy for you as a business to share your business offerings to prospects over WhatsApp)
Can small businesses profit from using online local directories?
Profit is an equation of Cost versus Revenue. At just Rs.3000 per year, you get the opportunity of being on a local search engine, appear in Google search results giving you FREE ORGANIC traffic, being part of Local Directory Android App (coming soon), a listing which is managed by Directory team and tuned to your best interest of capturing Google or Bing search traffic is certainly a LARGE VALUE FOR MONEY.