5 Replies to “Give me the details of HDFC standars life insurance,birla sunlife insurance policies for individual?”

  1. HDFC YOUNG STAR PLUS, INVESTMENT PER YEAR, 12500RS OR 1500RS PER MONTH, U CAN CHOOSE ANY MODE FROM THEM 1500 OR 12500 ANNUALLY,
    IN THIS PLAN INVESTMENT SHULD BE FOR MINIMUM 10 YEARS, AFTER WHICH U GET 30000 AND ABOVE AFTER COMPLITION OF POLICY, YOUR TOTAL INVESTMENT WOULD BE 125000RS AND RETURN WOULD BE RS 300000 OR MORE,MINIMUM 300000 U WOULD GET, FOR MOE U CAN CALL ME 09350479971


  2. It is not the companies plan but what you plan for your future is that counts. your age you have provided. then there are other thinks. how much insurance you need. how much premium you have to afford. your family , are they dependent of you? explain all these and ask for an advise. the ULIP policies are having high risk. so when you go for them go for a long period. be expert in switching between funds. and select the one with minimum charges and good investment portfolio. Means there is no difference in me or you buying SBI shares but difference is there me buying sbi and you icici shares.


  3. Hi, ULIPs are safe if u choose DEBT fund but returns are very low so its not a good instrument ,if u choose equity fund then risk is high and return is based on market conditions and there is a chance to loose all of ur investment , the only feature is insurance coverage.HDFC SLIC offers different type of ULIPS like Endowment plus11 , pension maximiser 11, youngstar plus11 e.t.c

    Before investing u must read the charges of ULIPS , usually the charges are
    1, allocation charges
    2, Fund Management Charges
    3, Surrender Charges e.t.c……

    Example = HDFC SLIC UNITLINKED YOUNG STAR PLUS 11

    Minimum investment
    Monthly 1500/- or 12000/- annualy

    Charges (monthly mode)
    First year 66%, means ur total investment in 12 months=1500*12=18000/- but ur account shows only 6120/-
    (RS 11880 first year allocation charges)
    Second year 13%
    Third year onwards 8%

    These charges changed based on mode of payment and amt of premium

    So when ur going to invest first study about charges.

    I suggest u , dont put ur money in ulips, invest in bluechip shares with the help of good advisor and take a term insurance plan for insurance coverage( if u spend 3000 pa u will get a coverage of 10 lakhs including critical insurance coverage)



  4. buddy I have been investing money in different insurance companies but I think for an Individual HDFC SLIC Young Star Plus II is the best, with min premium of 12000/- (Annual) and you get 5 to 40 times life cover and critical illness benefit and also WOP





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