Understanding Insurance Solutions with TATA AIA

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  • Опубліковано 7 сер 2024
  • Insurance is a very complex world for a layman. Though there are many regulations, it is hard for a small retail investor to understand the products and their attached conditions. In many cases, the individual investor has been ignorant of many points written in the solution. So here comes our attempt to educate retail investors about this complex world and how we can simplify this solution to best suit investor's needs and preferences in line with risk appetite as far as insurance is concerned. We are going to refer to an example of TATA AIA Life Insurance's Param Rakshak Plus Solution."
    What is covered?
    00:00 Start
    00:58 Introduction
    01:52 Details about the company
    02:48 Claim Settlement Ratio Concept
    03:03 Solution
    04:14 What is ULIP?
    05:28 What is a Rider?
    06:48 What is Sum Assured?
    07:23 Sample Illustration
    12:29 Understanding Finer aspects
    15:59 Lock-in period
    17:01 Conclusion
    For more details about TATA AIA's Param Rakshak Plus Solution, kindly visit the below link:
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    Disclaimer: bit.ly/3ptBaZP
    L&C/Advt/2021/Jan/0048
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КОМЕНТАРІ • 894

  • @CARachanaRanade
    @CARachanaRanade  3 місяці тому

    ✔ Invest in Knowledge: link.rachanaranade.com/CourseStore

  • @surajshinde1793
    @surajshinde1793 3 роки тому +151

    Seriously,she is suggesting ulip?
    I cant believe this
    I used find her channel very informative
    But sadly she is misguiding ,and that too only for those cheap paid promotions

    • @debanjanaus
      @debanjanaus 3 роки тому +20

      Gone are those days....things suddenly changed after getting 1.5m viewers and specially after her videos went on trending.

    • @ashutoxh
      @ashutoxh 3 роки тому +1

      Hi, I'm new to this. What is wrong with ULIP?

    • @prateekpatil3276
      @prateekpatil3276 3 роки тому +8

      @@ashutoxh Watch Labour Law Advisor
      videos on ULIP

    • @navneet2649
      @navneet2649 3 роки тому +2

      @09:45, we need to pay separately for "death due to accident"? Why? Death is death, reason can be any! Does in LIC policies like new jeevan anand etc or term insurance policies do we need to pay separately for "death due to accident"? Pls let me know! 🙏

    • @sureshnayak4339
      @sureshnayak4339 3 роки тому

      Exactly

  • @mohammedjidinmp4355
    @mohammedjidinmp4355 3 роки тому +121

    With all due respect, why promote ULIP even after having extensive knowledge on the concept of time value of money.

    • @rohitsoni9325
      @rohitsoni9325 3 роки тому +9

      And Fun Fact, audience is supporting her in this too😂🤦‍♂️

    • @pradyumnapatil5190
      @pradyumnapatil5190 3 роки тому +10

      Paise ka chakkar hai babu bhaiya, paise ka chakkar hai!

    • @onkarnarale2487
      @onkarnarale2487 3 роки тому

      @@pradyumnapatil5190 R8

    • @indiancitizen6095
      @indiancitizen6095 3 роки тому +2

      In her own language... vitamin M चाहिए भाई

  • @baburam1803
    @baburam1803 3 роки тому +225

    Seriously didn't expected this from you mam. If a person like you who wants financial knowledge for common people promoting ULIP plans then it'll not be good for new people who beleives you blindly.

    • @adityaparab7802
      @adityaparab7802 3 роки тому +7

      Yes this is not expected from CA Rachana Phadke Ranade

    • @mikepro5799
      @mikepro5799 3 роки тому +3

      Finally we/she wants money

    • @kanthyadav8405
      @kanthyadav8405 3 роки тому +3

      ULIP is worst mam don't recommend it

    • @sagarsrivastava2419
      @sagarsrivastava2419 3 роки тому +5

      It's just paid promotion on this channel these days.
      Highly disappointed

    • @baburam1803
      @baburam1803 3 роки тому +3

      @@sagarsrivastava2419 No one opposed the paid promotion for zerodha or upstocks or any mutual funds. Promoting Ulip in a channel like carr is disappointing.

  • @anujbhatnagar60
    @anujbhatnagar60 3 роки тому +139

    Mam, it totally defeats your objective of spreading financial literacy. Please don't promote ULIPs. You know very well that it is not a good option at all. Never thought I would have to dislike a video from you 🙏

    • @privateproductunboxing.5713
      @privateproductunboxing.5713 3 роки тому +1

      Yes i agree the bend in front of money

    • @bijuldesai3097
      @bijuldesai3097 3 роки тому +2

      Unfortunately yes I agree with Anuj ...

    • @shubhamnimje419
      @shubhamnimje419 3 роки тому

      Band kro band kro fake publicity krna band kro...audience ka chutiya katna band kro

    • @shubhamnimje419
      @shubhamnimje419 3 роки тому

      @akshat sahni financially aware bank bhai..in jaise logo ki need to know basis pr suna kro

    • @DineshKumar-xu5xi
      @DineshKumar-xu5xi 3 роки тому +1

      I lost trust on her

  • @sanjayjoshius
    @sanjayjoshius 3 роки тому +31

    Madam ..this is too much now..
    U r earning on such promo
    One day no one will watch you.
    I have unsubscribed just now...
    CNBC TV 18 per agaye to Mam aap on AIR..zameen pe aajao.

    • @arpitkansal3785
      @arpitkansal3785 3 роки тому +1

      I also unsubscribed. No more videos from her. Getting such ppl huge views can trap new ppl who trust such ppl religiously.

    • @sanjayjoshius
      @sanjayjoshius 3 роки тому +1

      @@arpitkansal3785 bhai..ye madam ko ab shayad over confidence aagaya hai ...i had huge respect about her..but not now..

    • @mohnishjodhawat4800
      @mohnishjodhawat4800 3 роки тому

      Rite said !. My still best favorite is PRANJAL KAMRA , really an honest and he deserves .

  • @neelakshmishra9614
    @neelakshmishra9614 3 роки тому +57

    R u really selling a ULIP I can't believe it😳😳🙄

    • @rohitsoni9325
      @rohitsoni9325 3 роки тому +4

      Same bro. Don't know what happened to her. See last three videos, all are of paid promotion .

    • @VarunKaushik18
      @VarunKaushik18 3 роки тому +1

      Not selling, promoting. But I agree with you. The channel has many rookie investor which I once was.

    • @tushargoyal2582
      @tushargoyal2582 3 роки тому +1

      same bro. Even I shocked, how she can promote ULIP plans. It was unexpected 😐

    • @drdoom7140
      @drdoom7140 3 роки тому

      @@tushargoyal2582 why is it bad...I don't know anything

    • @tushargoyal2582
      @tushargoyal2582 3 роки тому +1

      @@drdoom7140 ULIP plans are not a pure insurance bro. We should not mix insurance and investment at one plan. Its too costly and useless. Better to go with life insurance only.

  • @dinkarjoshi6462
    @dinkarjoshi6462 3 роки тому +25

    Seriously ma'am such videos will make you lose your credibility. Everyone has seen labor laws advisors video and you selling ULIP is not expected at all.🤨😤😤

    • @medsyted
      @medsyted 5 місяців тому

      She’s not selling but explaining i😅

  • @subhradeepdas23
    @subhradeepdas23 3 роки тому +104

    The comment section is more interesting than the video today ma'am 😂

    • @vajra6346
      @vajra6346 3 роки тому +6

      Indeed, came here just to check comments

    • @svmahindra007
      @svmahindra007 3 роки тому +3

      True story 😂

    • @sureshnayak4339
      @sureshnayak4339 3 роки тому +7

      I am so happy to see so many comments condemning her video, just shows that India is on its way to financial literacy 👍👍👍

    • @sumansrivastava4670
      @sumansrivastava4670 3 роки тому +2

      True 😂😂😂

    • @rajandayma
      @rajandayma 3 роки тому +3

      😂

  • @NeSh11
    @NeSh11 3 роки тому +51

    You should not do such video ...we don't expect you to sell such products.

  • @124ameyrajas6
    @124ameyrajas6 3 роки тому +40

    Mam better delete this video and return the sponsored money, this will keep the trust floating on you from us!!! 👍👍👍👍

  • @1aditya11
    @1aditya11 3 роки тому +20

    I'm sorry ro say this
    Ma'am we would like to see a part of video promoted by brand but not the whole video

    • @fanintoflame4222
      @fanintoflame4222 3 роки тому

      I am sorry , I think we would like to see her analysing a stock , not promoting money by others

  • @1aditya11
    @1aditya11 3 роки тому +24

    Ma'am r u really suggesting ulip
    Can't believe this

  • @nabhchoudhary7763
    @nabhchoudhary7763 3 роки тому +88

    Can't believe you are endorsing ULIP. Zindagi hame kis mod p le aya

    • @GautamKumar-cd4oj
      @GautamKumar-cd4oj 3 роки тому +1

      😂😂😂😂😂😂😂

    • @navneet2649
      @navneet2649 3 роки тому

      True😔

    • @sumansrivastava4670
      @sumansrivastava4670 3 роки тому

      😂😂😂😂😂

    • @nirbhaybhargava1509
      @nirbhaybhargava1509 3 роки тому +1

      i guess she is trying to educate us on how to read an insurance policy and how things work she isnt recommending this even if its sponsored just think differently and see the bigger picture as to u get to know the information

  • @yashaswiemehra4896
    @yashaswiemehra4896 3 роки тому +35

    Ulip is not a good advise to anyone
    It is just a trap rather take term insurance ,health insurance and mf separately

    • @navneet2649
      @navneet2649 3 роки тому

      @09:45, we need to pay separately for "death due to accident"? Why? Death is death, reason can be any! Does in LIC policies like new jeevan anand etc or term insurance policies do we need to pay separately for "death due to accident"? Pls let me know! 🙏

    • @yashaswiemehra4896
      @yashaswiemehra4896 3 роки тому

      @@navneet2649 in case of death due to accident, term insurance helps it is provided by all major companies remember take addn riders for critical illness and accidental cover with term insurance. Term insurance is much cheaper than LIC policy. At age of 25 one can get cover of 1cr at just 20k annually

    • @rohanshinde4327
      @rohanshinde4327 3 роки тому

      @@yashaswiemehra4896 Not 20k, just 9k. 1 crore insurance for 9k approx.

  • @ppp8626
    @ppp8626 3 роки тому +70

    Never promote a product which you won't buy yourself.

  • @rajinder1211976
    @rajinder1211976 3 роки тому +118

    Now madam encashing her popularity by advertising the products.

    • @danteramone627
      @danteramone627 3 роки тому +1

      I don't mind

    • @Srinivas0503
      @Srinivas0503 3 роки тому +5

      Yes, which is not good... She is advertising for TATA insurance company...

    • @pranjalgarggarg4176
      @pranjalgarggarg4176 3 роки тому +1

      Sab paise kmane k liye kr rhi h

    • @rajinder1211976
      @rajinder1211976 3 роки тому +1

      @@danteramone627 Right bro but we follow this channel for educational purpose and do faith a lot about her. So she should mind it.

  • @aayushgupta798
    @aayushgupta798 3 роки тому +159

    Fun fact : most people have seen labour law advisor ulip video 😅😅

    • @chetanbsonawane
      @chetanbsonawane 3 роки тому +9

      True. Wish there was a way to tag the LLA channel 😄

    • @mayurharge2339
      @mayurharge2339 3 роки тому +2

      I was going to comment regarding this 😅😅

    • @navneet2649
      @navneet2649 3 роки тому +4

      @09:45, we need to pay separately for "death due to accident"? Why? Death is death, reason can be any! Does in LIC policies like new jeevan anand etc or term insurance policies do we need to pay separately for "death due to accident"? Pls let me know! 🙏

    • @ashishnirmalshorts
      @ashishnirmalshorts 3 роки тому +3

      @@navneet2649 death kese bhi ho sum assured milega ga hi
      Agar accident ka rider liye to aur additional sum assured milega

    • @Headshot-lx4hb
      @Headshot-lx4hb 3 роки тому

      True

  • @kingoyuncu5200
    @kingoyuncu5200 3 роки тому +26

    Why worry about cryptocurrency quotes if there is FBC14 algorithm?

  • @denverdsouza
    @denverdsouza 3 роки тому +35

    STOP the paid promotions and giving out misleading advice. NEVER go for ULIP's - always go for term plans and separate your investment and insurance!

    • @yashshirodkar6079
      @yashshirodkar6079 3 роки тому

      WHY?

    • @kaqwertyuiopl
      @kaqwertyuiopl 3 роки тому

      @@yashshirodkar6079 watch UA-cam labour law advisor. You'll know

    • @pranjalgarggarg4176
      @pranjalgarggarg4176 3 роки тому

      @@kaqwertyuiopl yeah bhi Bekar h channel

    • @kaqwertyuiopl
      @kaqwertyuiopl 3 роки тому

      @@pranjalgarggarg4176 what's good then

    • @navneet2649
      @navneet2649 3 роки тому

      @09:45, we need to pay separately for "death due to accident"? Why? Death is death, reason can be any! Does in LIC policies like new jeevan anand etc or term insurance policies do we need to pay separately for "death due to accident"? Pls let me know! 🙏

  • @Normielord
    @Normielord 3 роки тому +283

    Fun fact: Never buy a ULIP.

    • @yashshirodkar6079
      @yashshirodkar6079 3 роки тому +1

      TRUE

    • @rp4661
      @rp4661 3 роки тому +8

      will love to endorse ULIP if i get huge amount from TATA AIA 😎

    • @PratikMOffical
      @PratikMOffical 3 роки тому

      Though Tata AIA has a Good Reputation
      Can I avail Less Premium Option by not choosing this ULIP Option ?

    • @rp4661
      @rp4661 3 роки тому +1

      @@PratikMOffical go for term insurance of 1cr instead of ULIP

    • @yt_bharat
      @yt_bharat 3 роки тому

      Correct

  • @rp4661
    @rp4661 3 роки тому +51

    one question to rachna mam :
    Q ) have u taken the ULIP plan ??
    if not why only endorse for money .
    1)according to the chart if all benefits are taken then total premium will be approx 600,000 p.a which is more than the salary of your many viewers.
    2) Term insurance is best as it offers 1cr amount in premium less than 25k p.a (depending on age of person) .
    3) company get benefited more from ULIP as it is easier to convince (to make chu***) person from non finance ground .
    4 ) insurance and investment both should be treated differently and people from non- finance background are strongly recommend to go for mutual fund.
    5) At last ULIP is a "cancer".
    i think rachna mam is contradicting her own image/ goodwill.

    • @vikramchoudhury1346
      @vikramchoudhury1346 2 роки тому +1

      Haan sahi main bik gayi hai government 😂😂😂😂😂...Rachna Mam please reply to the comments if you are truly a youtuber

    • @brajasekhar9985
      @brajasekhar9985 Рік тому

      .

    • @shivprasadkotnala5288
      @shivprasadkotnala5288 Рік тому

      😊

    • @amlanjyoti2
      @amlanjyoti2 Рік тому

      Appreciate for the information

    • @aallearn4927
      @aallearn4927 11 місяців тому

      Thank you for info. This stupid Rachna not reliable. People like you are saving everyone with greedy Rachna

  • @AKSHAYDHUMAL137
    @AKSHAYDHUMAL137 3 роки тому +15

    Not expected this from you . Have been following you since start, but endorsing such policies after rising and getting to such popularity, shocks me.

  • @NirmalKumar-dg5ix
    @NirmalKumar-dg5ix 3 роки тому +87

    She is misleading people now.... :( Insurance must be seen as just insurance and the extra amount can be invested by the person himself which would yield him higher returns... It's sad ro see her selling crap to the public... I thought she was here for general good... We should tread your videos with caution now... Watch labour law advisor channel to get a complete understanding of what I'm trying to convey...

    • @rohitsoni9325
      @rohitsoni9325 3 роки тому +5

      Sad part is at one time, Labour Law Advisor and she collaborated and even then she is selling ULIP😂

    • @harshitjain7660
      @harshitjain7660 3 роки тому

      Paiso ka chakkar babu bhaiya😂

    • @sagarjain2864
      @sagarjain2864 3 роки тому

      What is wrong if she has become a brand custodian and is debunking myths and providing knowledge?

    • @pranjalgarggarg4176
      @pranjalgarggarg4176 3 роки тому

      Yeah bhi bekar channel h labour law advisor... Paise kmata h isko vhi khuch ni aata

    • @alekhpandey2435
      @alekhpandey2435 3 роки тому

      correct buddy ! these youtubers thinks their susbcribers are fool

  • @suyashlimaye
    @suyashlimaye 3 роки тому +23

    Not sure if ulip is the right option. Better option can be term plan + mf sip.

    • @rohitsoni9325
      @rohitsoni9325 3 роки тому +2

      Correct. Term Plan is best. As a thumb rule, we should never mix insurance with investments

    • @navneet2649
      @navneet2649 3 роки тому

      @09:45, we need to pay separately for "death due to accident"? Why? Death is death, reason can be any! Does in LIC policies like new jeevan anand etc or term insurance policies do we need to pay separately for "death due to accident"? Pls let me know! 🙏

    • @rohitsoni9325
      @rohitsoni9325 3 роки тому +1

      @@navneet2649 yes, you need to lay extra for extra cover. The policy is offering extra 10L i guess as a rider when you pay extra premium for death due to accident. When you die in accident, your nominee will get insurance amount of 1 cr and additional accidental death benefit of 10L. This rider is generally beneficial for those who don't have medical insurance and if that person dies due to accident..then all the extra bills (car damage, transportation, hospital bills) can be paid with this additional amount. Otherwise nominee will clear all these with the insurance amount of 1Cr. And will be left with comparatively less amount.

    • @sahiljain4354
      @sahiljain4354 2 роки тому +1

      @@navneet2649 it's a rider, that provides you extra death benefit arising out of accidental death and lic and other companies also sell it. But in this policy it's compulsory. This plan is best for the persons, who are not able to get the term insurance due to education or ITR issue. As this is the only plan which gives huge sum insured and ofcourse you'll get returns, they might be less in comparison to SIP but than too it will be good to get insurance benefit like term and maturity benefits

  • @ivinitmittal
    @ivinitmittal 3 роки тому +59

    Rachna Ma'am selling a ULIP, paisa ka chakr Babu bhaiya 😂😂😂

  • @rahuldaryani7418
    @rahuldaryani7418 3 роки тому +18

    Ulip rachana ranade ? You want to literate every girl with ulip??

  • @sujayshetty1618
    @sujayshetty1618 3 роки тому +5

    Ma'am, do you have any ULIP I wonder?

    • @user-xg4wz8mr8g
      @user-xg4wz8mr8g 3 роки тому

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    • @navneet2649
      @navneet2649 3 роки тому

      @09:45, we need to pay separately for "death due to accident"? Why? Death is death, reason can be any! Does in LIC policies like new jeevan anand etc or term insurance policies do we need to pay separately for "death due to accident"? Pls let me know! 🙏

  • @sanketverma8664
    @sanketverma8664 3 роки тому +23

    Ulips are worst plan.... Never buy them!!! Instead go for term insurance

    • @navneet2649
      @navneet2649 3 роки тому

      @09:45, we need to pay separately for "death due to accident"? Why? Death is death, reason can be any! Does in LIC policies like new jeevan anand etc or term insurance policies do we need to pay separately for "death due to accident"? Pls let me know! 🙏

  • @gollaramesh7679
    @gollaramesh7679 3 роки тому +1

    Mam I really appreciate you for explaining the topic like stock market which is a tough area for manh of the people including me.....could you please upload The remaining lecture series of basic concepts of stock market.... Thanks in advance

  • @malatesh_Aihole
    @malatesh_Aihole 3 роки тому +26

    Nowadays we should stop believing in paid promotions 🙃
    Learnt people are misguiding people cause of paid promotions

  • @mohamedaashiq8062
    @mohamedaashiq8062 3 роки тому +1

    I am working in TATA AIA your explanation was very clear and clean which I am thinking to forward to all my clients

  • @dinkarjoshi6462
    @dinkarjoshi6462 3 роки тому +190

    Did not expect this from a CA. Sad these days paid promotions are making CAs do such endorsements. Thanks to @labour law advisors that he had already made videos on these topics

    • @terryman53
      @terryman53 2 роки тому +3

      Can you share here the link for labour law advisor..

    • @lataiyer6330
      @lataiyer6330 2 роки тому +2

      Well if you are doing it for TATA then it should be a privilege

    • @PankajKumar-qd9jd
      @PankajKumar-qd9jd 2 роки тому

      @Pritish Moharana tmkb

  • @roshalbarot5134
    @roshalbarot5134 3 роки тому +6

    U never told about huge premiums they charge for ULIPs.. And looking for returns in an Insurance policy defeats the purpose of the product..

  • @mrprvnm
    @mrprvnm 3 роки тому +5

    Rachana Rande (As a Sales Representative)
    - Presentation is Excellent
    - Explanation is Excellent......
    CA Rachana Phadke Ranade ( As a CA Professional, Professor, Financial Advisor)
    Expecting More Details about
    Hidden Charges
    in ULIP Such as
    1. Premium allocation Charges
    2. Mortality Charges
    3. Fund Management Charges AMC
    4. Fund Swtiching Charges
    5. Policy Administration Charges
    6. Partial Withdraw Charges
    Give some illustration.

  • @1aditya11
    @1aditya11 3 роки тому +16

    Ma'am many people trust u as a guide
    Please don't break there trust on u
    No people here read ur disclaimer

  • @Justlikeaashi
    @Justlikeaashi 3 роки тому +19

    Money makes people greedy. Now Rachana mam is endorsing ULIP instead of Term plan then we have to understand

    • @sujayshetty1618
      @sujayshetty1618 3 роки тому +3

      I wanted to tell the same! She has become greedy now :(

    • @navneet2649
      @navneet2649 3 роки тому

      @09:45, we need to pay separately for "death due to accident"? Why? Death is death, reason can be any! Does in LIC policies like new jeevan anand etc or term insurance policies do we need to pay separately for "death due to accident"? Pls let me know! 🙏

    • @fanintoflame4222
      @fanintoflame4222 3 роки тому

      Money money only , she don't care for others
      At first she started with stock n now only money

    • @adwaitvedant3297
      @adwaitvedant3297 2 роки тому

      @@sujayshetty1618 Two major drawbacks of Term Insurance :
      1) Recent private job market is so much volatile that u will never know when you are going to lose your job. In such job loss situation one will also face financial crunch...so unavoidable situation may arise when you will not be able to pay the premium of term insurance for couple years...in such case your term insurance plan will get lapsed...neither you will get the cover ...and your previous premiums will be a huge loss ...
      In such case ULIP will be win win situation for u...because premiums are limited and not whole life..so you wont have headache related to premium payment after 5 or maximum 10 years.
      2) Insurance companies have immense power to deny claims....by giving u twisted reasons...that you dont know....there are many loopholes in term insurance. In that case , your family will be in a miserable situation if they dont get the insurance cover even after your death.....But in ULIP they are bound to return u the invested money in the market with all returns plus in such case they also give the insured cover...
      3) In ULIP you also get loyalty bonus once your are invested for more than 15 years..along with market linked returns like MF you also get bonus...and extra units of shares are added in your portfolio every year.If you survive luckily you will be wealthy for sure....
      So best customers for *term insurance* : If you are a govt servant....because their jobs are safe throughout their lifetime....no one is going to kick them out of job suddenly...+ even if a govt employee dies before 60 years....his/her son or daughter or wife is going to get his/her job...

  • @BaalaMS
    @BaalaMS 3 роки тому +4

    Hello Rachana!! Had great respect for your honest teachings and excellent knowledge and have genuinely learnt a lot from you on investment.... But this video is a beating below the belt, I would say!!!
    Everyone understand fame and trending videos, more than often divert one from their core fundamentals - But then they disappear into thin air!!
    Look at all the comments below - ALL THESE ARE PEOPLE WHO HAD GROWN TO TRUST YOU - Guess someone sensible in Team CAGR looks at all these comments for some corrective action!!!

  • @HemantP2512
    @HemantP2512 3 роки тому +26

    ULIP? 🙊🙊🙊

  • @jarus1
    @jarus1 3 роки тому +19

    Term Insurance is what we all have to look into

    • @okkamrazor9557
      @okkamrazor9557 3 роки тому

      Term insurance + health insurance
      And investment in MFunds instead. Right mate?

    • @TechnologyKnowledgeandFacts
      @TechnologyKnowledgeandFacts 3 роки тому

      @@okkamrazor9557 100% right

    • @navneet2649
      @navneet2649 3 роки тому +1

      @09:45, we need to pay separately for "death due to accident"? Why? Death is death, reason can be any! Does in LIC policies like new jeevan anand etc or term insurance policies do we need to pay separately for "death due to accident"? Pls let me know! 🙏

    • @jarus1
      @jarus1 3 роки тому +1

      Don't buy these fancy insurances. Opt for a Term insurance.

  • @prashantsawant9512
    @prashantsawant9512 2 роки тому

    Hi, Which the best term insurance policy right now in the market as per the amount settlement ration and solvency ration. Can we buy two term insurance plan at one time one is the LIC tech term and Tata AIA? please suggest.

  • @tanishvipin2146
    @tanishvipin2146 2 роки тому

    mam i liked videos of your’s before watching.. love the way simplyfi the concepts its always been very beneficial for me …😊🙏🏻

  • @dhruvmehrotra9698
    @dhruvmehrotra9698 3 роки тому +41

    I'm a science student and know more about the stock market than I know about science. All thanks to Rachana Maam!

    • @youtubego5267
      @youtubego5267 3 роки тому

      Bhai op

    • @pexeixv
      @pexeixv 3 роки тому

      Same here bro

    • @aryanvaghasiya2342
      @aryanvaghasiya2342 3 роки тому

      Exactly same, I'm in 11th PCM 😅

    • @danteramone627
      @danteramone627 3 роки тому +2

      JEE is in 25 days and I've applied to three IPOs already :/

    • @abcdef-ct4up
      @abcdef-ct4up 2 роки тому

      @Arun Nair really well, I'm in college now, having a job and doing freelance in the crypto industry, 80% of my earning goes into stocks

  • @NileshPathakRocks
    @NileshPathakRocks 2 роки тому

    Is the maturity fund value taxable? (I.e., would there be any capital gains tax on the profits made?)

  • @godislove1320
    @godislove1320 Рік тому +1

    Such an amazing explanation.pls put more videos regarding FD also.God bless you ❤

  • @irshitavlog
    @irshitavlog 3 роки тому +1

    Kindly mem,tell me which stock broker have not open interest restriction for the buying of any strike of the Nifty & bank nifty

  • @ashutoshkumarmishra7250
    @ashutoshkumarmishra7250 3 роки тому

    Excellent one ...if it provides a pure medical insurance as well and push it to 100 percent equity..I have been checking this for a long time .

  • @rustam334
    @rustam334 3 роки тому

    Hi ma'am, I had bought your technical analysis course for starting trading but I have heard that government employee is barred from trading. Since I am a government employee, I would like to know whether it's true or not. Am i allowed to do swing trading or short term trading.please advise.

  • @VarunKaushik18
    @VarunKaushik18 3 роки тому +19

    Dear madam, your channel has many rookie investor which I once was. I learnt so much after watching your videos and ULIP never makes a good solution for those who even believe insurance also should be an investment platform. For the money paid, if the person buys a term insurance and invests the rest in any mutual fund(s), he/she'll get more returns and way higher sum assured.

    • @VarunKaushik18
      @VarunKaushik18 3 роки тому +4

      Unlike mutual funds, these funds into which they invest are not guided by AMFI rules. So good luck on allocation, charges, returns, portfolio, AUM, etc.

  • @syedhussain8002
    @syedhussain8002 3 роки тому +1

    Rachna, First of all I would like to thank you for your education on Finance, Stock Market, Tax, Insurance etc. Really, appreciate your efforts in trying to simplify the things for a common man. In the above video, will you please explain what is 5 pay 40, 10 pay 40.

    • @rohitsoni9325
      @rohitsoni9325 3 роки тому +3

      Hi bro, 5 pay 40, 10 pay 40 means for 40 years of insurance you need to pay higher premiums for only 5 or 10 years. But Don't buy these ULIPs. Only buy term insurance, premiums will be way to low and you can start SIP in mutual fund from rest of the saved amount.

    • @syedhussain8002
      @syedhussain8002 3 роки тому

      @@rohitsoni9325 thanks for explanation as well as for suggestion👍👍

    • @Kayaka_Ve_Kailasa
      @Kayaka_Ve_Kailasa 3 роки тому +1

      Dont buy any ULIP plan including this. Best regards

  • @isumitbhagat
    @isumitbhagat 3 роки тому +10

    Last part was amazing "aap jis waikyati ko call kr rhe h wayast h" 😂😂

    • @i_am_very_happy798
      @i_am_very_happy798 3 роки тому

      Hihihi 🤣🤣🤣🤣😆😆😆😂😂😂😂😂😂😂

  • @rajpai9169
    @rajpai9169 3 роки тому +2

    HI, its good that you are highlighting the importance of Insurance, esp these pandemic time. It would have been nice if you explained this (or any) ULIP with regard to charges and investment component of it. would appreciate detailed video of benefits of ULIPs as well as negatives of it. People dont take their Insurance (Life or health) seriously, ( as evident from negative comments).

  • @pravinnanwani
    @pravinnanwani 2 роки тому

    Is this hospicare similar to what we actually get in a Proper Health insurance plan? Wanted some light on this.

  • @rajatagarwal4403
    @rajatagarwal4403 3 роки тому +9

    Mam, this is really misguiding..you presented like an agent...didnot expected

  • @prashantsampat1885
    @prashantsampat1885 2 роки тому

    HIGHLY APPRECIATE THE WAY YOU CLARIFIED ULIP, BENEFITS OF INSURANCE AND AT THE SAME TIME PROVIDING BENEFITS OF MARKET. IT ALSO TAKES CARE OF HEALTH INSURANCE LIKE PARTIAL/PERMANENT DISABILITY OR DEATH. THIS GIVES ME BENEFITS, ALL UNDER ONE ROOF. YOU EXPLAINED IT WITH EXAMPLES , THAT GAVE ME MORE CLEAR PICTURE OF THIS PRODUCT. GOD BLESS YOU WITH PROSPERITY GROWTH SUCCESS. WISHING INTERNATIONAL FRIENDSHIP DAY

  • @rajinder1211976
    @rajinder1211976 3 роки тому +3

    Have you any ulip plan in your portfolio ma'am? Honestly 🙏

    • @CR-op8cp
      @CR-op8cp 3 роки тому +4

      200% no bro......she is take lot of money for promoting....useless things........ money ke lia h sb bro.......

  • @pradyumnapatil5190
    @pradyumnapatil5190 3 роки тому +16

    Paise ka chakkar hai babu bhaiya, paise ka chakkar hai...

  • @anonym5892
    @anonym5892 3 роки тому

    Is is good to buy SBI retirement fund , if yes which type will be good out of 4 available plans?

  • @Cheery145
    @Cheery145 2 роки тому

    I had insurance already but my doubt is that i have invest in ulip or mutual funds for better returns. Please answer madam

  • @darshanhegde6194
    @darshanhegde6194 Рік тому

    Can you tell me more about tata aia fortune pro and tata sampoorna raksha plan ? I know every youtube says ULIP is not good, but I already have money invested in MF but also want long term stability.
    I saw these 2 funds from tata aia and see that compared to other life insurance, these 2 have the highest return, although yes it was during the pandemic but these 2 makes sense

  • @princejag
    @princejag 3 роки тому

    Fantabulous!!!!!! Rachana you impressed us with all your skill sets.

  • @saiananth7853
    @saiananth7853 Рік тому +1

    Madam, Can you do the same for Tata AIA FORTUNE PRO please🙏

  • @kashmira3273
    @kashmira3273 Рік тому

    Does this term plan give regular returns if rider used?

  • @laxmishakm9426
    @laxmishakm9426 3 роки тому

    In IRDAI report they won't give death claim settlement ratio, they will give only claim settlement ratio which comprises of term plan, ULIP and endowment. Where did you get this data from?

  • @sanjaytamrakar7355
    @sanjaytamrakar7355 2 роки тому

    Could you please provide some information or create a video on Section 45 of Insurance act 1938. I read about it in my term plan, however an expert view would be really helpful.

  • @keepinaction9484
    @keepinaction9484 Рік тому

    Hello Rachana,
    I have taken this Term plan last year with Hospicare benefits rider. Can you please tell me how much I will be getting per day if I admit in the hospital? I didn’t get that 0.5% of the sum assured.

  • @krishanyadav9245
    @krishanyadav9245 Рік тому

    No mam your are giving good knowledge that is very important every person related their health and finance in very simple and easy to understand,I appreciate your efforts

  • @parulshah7168
    @parulshah7168 2 роки тому

    Awesome explanation. Wonderful product.Thank you mam.

  • @Pooja-pd1ee
    @Pooja-pd1ee 3 роки тому

    Thanks Ma'am. It was informative but I wish it was a bit more elaborative on riders pros & cons.

  • @funnysaptarshi7899
    @funnysaptarshi7899 3 роки тому

    Thank you mam, yes we need more videos from u regarding personal finance

  • @utkarshmishra6730
    @utkarshmishra6730 2 роки тому

    Ma'am what if insurer complete policy amount and dies before maturity will the mominee will get maturity amount

  • @BhanutejaAryasomayajula
    @BhanutejaAryasomayajula 3 роки тому +25

    A highly complicated product! Combining Term Insurance & Investment (ULIP) is itself wrong let alone Term, Health Insurance & Investment. Rachana ma'am, even you're aware that one would save lots of money if they bought term insurance & health insurance separately and made investments with the remaining amount instead of pay high premium for such stupid products. Not only does it offer far better returns for the investment, but also gives a greater amount of flexibility to choose from multiple options for each of term insurance & health insurance. Though the video (or the description) didn't carry any affiliate/referral links, the video sounded like a promotional one. I have a high regard for you and sincerely wish you don't promote such products. My first dislike for a video on your channel :( I'm sorry but I can't help it.

    • @okkamrazor9557
      @okkamrazor9557 3 роки тому +2

      Thanks for the detailed comment, this will help a lot of folks!

    • @patitapabandas462
      @patitapabandas462 2 роки тому

      Brother make me clear which term plan is best for 50 lakhs
      My age is -30
      Please suggest

    • @hemantpanchal8087
      @hemantpanchal8087 2 роки тому

      @@patitapabandas462 Please suggest
      I have Tata Aia Life Insurance Fortune Pro plan
      Monthly SIP 5k, SA: 6 lakh
      I've paid for 5 years and as per today NAV total value is approx. 4.4 lakh.
      1. Just wanted to check is this plan gives compounding interest?
      2. Should we keep this plan for long term? 10-15 years?

  • @ppp8626
    @ppp8626 3 роки тому +27

    Just as agents get a high commission for selling ULIPs or Endowment plans, she definitely has got higher money for this promo video because these plans only take advantage of common people's unawareness about investing to give minuscule 4-5% returns with high lock in periods.

  • @nitink8148
    @nitink8148 3 роки тому

    Nice video ma'am! Appreciate the way you explained.

  • @rohitjain4057
    @rohitjain4057 2 роки тому

    Hello mam tata aia me 59 ki age ke liye kon sa life insurance plan hai i want to buy for my mother pls reply soon

  • @guitalk
    @guitalk 3 роки тому +6

    Is Rachana Ranade officially endorsing TATA AIA??
    Her credentials look dubious now.

  • @rathourielts7173
    @rathourielts7173 3 роки тому

    Mam im trying to join membership but
    not able to do. It's always saying that my visa card is not entitled for international payment. What's actually that. Pls help

  • @prasik
    @prasik 3 роки тому

    Please suggest best pure term insurance. I am already having LIC Eterm for 50Lac. Now am want to increase cover.

  • @ImranKhan-bl3tj
    @ImranKhan-bl3tj 3 роки тому

    Mam, I want to start my journey in stock market. I already seen your video but still some doubts. Please help me

  • @ashumittal5765
    @ashumittal5765 2 роки тому

    Question : after paying all premium till 12 years for 1 CR sum assured. If i withdraw all fund on 12th year would i still be able to get sumassured amount till policy term?

    • @SameerJethvaniSamdSoft
      @SameerJethvaniSamdSoft 2 роки тому

      I guess you would have to keep 30% of your fund invested to get your term insurance covered throughout policy duration (30/40 yrs) .

  • @dharunloganathan
    @dharunloganathan 3 роки тому +5

    ULIP not expected from u rachana... Felt bad for promotion of tata aia

  • @luckyjain8382
    @luckyjain8382 3 роки тому +1

    Please cover what is going on between r/wallstreetsbets vs WallStreet ?
    how Gamestop is used to move the market in US ?

  • @suz4673
    @suz4673 3 роки тому +6

    Seriously, is she suggesting ULIP? Something is wrong with this channel.
    I am not from a finance stream but what I know is never consider your health and term insurance as an investment. We need to have them for risk management in case of any unexpected event.

  • @navneet2649
    @navneet2649 3 роки тому

    @14:31, so it means he will get 3 cr in total, right? 1 cr + ( twice of 1cr)

  • @mithunmahato309
    @mithunmahato309 3 роки тому +1

    Ma'am please make a video on 15G/15H and dividend taxation ❤️

  • @balarajak6275
    @balarajak6275 3 роки тому

    Is it monthly r quarterly health insurance best companies available

  • @arpitkansal3785
    @arpitkansal3785 3 роки тому +42

    I thought I was alone. But no, everyone is hating you rachna here. It seems your audience is more financially literate than you 😂😂😂. Some huge unsubscribtions may be now🤣🤣

    • @CR-op8cp
      @CR-op8cp 3 роки тому +2

      Same here bro...... unsubscribed

    • @sureshnayak4339
      @sureshnayak4339 3 роки тому +3

      I have done it👍. Unsubscribed 👍

    • @fanintoflame4222
      @fanintoflame4222 3 роки тому +3

      She can do anything for money ,
      Only money

    • @ifinifln9872
      @ifinifln9872 3 роки тому

      Yeha bro its just so cheap 🥵🥵

    • @vikramchoudhury1346
      @vikramchoudhury1346 2 роки тому

      Bro your comment saved my precious time or else I would have watched the video, as this is my first recommendation of this channel, and I have never ever seen her ang video till date. Thanks for saving my time. Aur kabhi dekhna nai hai is channel ko 😂😂😂😂

  • @krishnasingla
    @krishnasingla 3 роки тому

    Can you please make a video on difference between startups and new business. Or what really a startup is ??

  • @mallik3141
    @mallik3141 3 роки тому +2

    Nice video. @rachana-ranade why insurance provider always show claim settlement ratio ? Why they never share % of amount settled with respect to sum assured of insurance premium paid.

    • @michealprasanna
      @michealprasanna 3 роки тому

      It Is very well available in IRDA Website. Do check it out. Thanks 👍🏻

  • @shubhamsukhlecha3639
    @shubhamsukhlecha3639 8 місяців тому

    Hi i Have taken a Fortune Gurantee Plus Plan From Tata And now i want to Assign My Policy to a Charitable Trust ?!
    Can any1 Help me Please ?!
    Dont know The Process!

  • @navinkumarnayak3549
    @navinkumarnayak3549 3 роки тому

    I love ur executions... Wowwwww truely interesting

  • @shubhamtarade
    @shubhamtarade 3 роки тому

    Videos are just getting more creative day by day!!!!

    • @rohitsoni9325
      @rohitsoni9325 3 роки тому +2

      Yes, creative level is increasing and quality content is decreasing (sadly) 😂

    • @abhisheksharma-wg8tv
      @abhisheksharma-wg8tv 3 роки тому +1

      So, a CA is now selling ulip😂😂

  • @adityarajagrawal4149
    @adityarajagrawal4149 3 роки тому +1

    Mam i never get ipo what to do??

  • @vigneshn3446
    @vigneshn3446 3 роки тому

    I want to know one thing should we need to buy term insurance as private company is already giving 20times of package?

    • @rohitsoni9325
      @rohitsoni9325 3 роки тому +1

      Yes. You should always have term insurance and health insurance of your own. Else if after 5 years, you'll leave the job, the insurance will also be cancelled and if you'll look for term insurance then, then it will be expensive due to age and health factors

  • @corcoranmagriproperties
    @corcoranmagriproperties 3 роки тому +2

    Am I the only one always dancing during the intro???🤣 I love it!!!

  • @navneet2649
    @navneet2649 3 роки тому

    Pls make a video on best term insurances available in market and technicalities we need to understand before buying one ! 🙏

  • @barathiguru2935
    @barathiguru2935 3 роки тому +1

    Not this from you mam
    Ulip how come you advise

  • @viralparmar9889
    @viralparmar9889 7 місяців тому

    If death by accident then it will be 2 times basic sum assured. Or if death due to natural or due to health issue then its basic sum assured. I am getting right if not please explain??

  • @PrashantYadav-zz3xv
    @PrashantYadav-zz3xv 3 роки тому

    I have no word to explain ur teaching quality

  • @deepakaero119
    @deepakaero119 3 роки тому

    Bahut dekha par aaj samajh aaya. Thankyou