LIC DAY

LIC....62......1.9.2018 பொதுத்துறை நிறுவனமாகி இன்றும் புதுத்துறை நிறுவனமாகத் திகழும் LICக்கு வயது அல்ல 62 அனுபவம் 62. இந்தியா வளர இந்தியர் வளர இணையில்லா சேவை! இன்றும், என்றும் இளமையுடன் இருக்கும் LIC. தன் நன்மைக்காக அல்ல, தன்னை நம்பும் மக்களின் நன்மைக்காக இயங்குவது LIC.! மக்களுக்காக சிந்திக்கும் நிறுவனம்! மக்களை சந்திக்கும் நிறுவனம்! திட்டங்கள் பல தீட்டி திட்டமிட்டு செயல் படும் LIC. ஐந்தாண்டு திட்டத்திற்கு அள்ளிக் கொடுக்கும் LIC. 60 வயதானால் ஓய்வு தனி நபருக்கு! 62 வயதானாலும் ஓய்வில்லா சூரியனே LIC. காப்பீட்டுத்துறையை தனியாருக்கு திறந்துவிட்டு ஆண்டுகள் பல ஆயிற்று! பயமுறுத்தினர் பலர்! இளமையான பலர் வருவர், என்ன ஆகுமோ! என்றனர் சிலர்! இன்றோ முன்வரிசையில் LIC. முகவரி இல்லாமல் இருப்பவர் பலர்! வயதானால் ஓட முடியுமா? என்றவர்கள் இன்று துரத்தமுடியாமல் தூரத்தில் உள்ளனர்! வயதல்ல! அனுபவம்! ஜொலிக்கும் வைரம்! இந்தியா முழுவதும் வடக்கு, தெற்கு, கிழக்கு, மேற்கு எல்லா திசைகளிலும் எழுந்து நிற்பது LIC. சென்றாலே சந்திக்க முடியும் என்ற நிலையில் பல நிறுவனங்கள்.... ஆனால் மக்களை சென்று சந்திக்கும் நிறுவனம் LIC. LIC நிதி நிறுவனம் மட்டுமல்ல, நீதி நிறுவனம் கூட! ஆம், சமூக அக்கறை உள்ள நிறுவனம்கூட! அடிக்கல் வெளியே தெரியாது அடிக்கல்லாக இருந்து அன்று உழைத்து ஓய்வுபெற்றவர்கள், அடிக்கல்மீது அரண்மனை எழுப்பி இன்றும் உழைப்பவர்கள், மக்களுக்கும் நிறுவனத்திற்கும் பாலமாக இருக்கும் முகவர்நண்பர்கள், நம்பிக்கையுடன் விசுவாசத்தை தொடரும் பாலிசிதாரர்கள், அனைவருக்கும் வாழ்த்துகள். LIC இதயங்களால் எழுந்த கட்டடம்! வாழ்க LIC வளர்க LIC Thanks to Vsubramanian viswanathan

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Income tax refund

INCOME TAX REFUND: 5 MUST-DO THINGS TO MAKE SURE YOU GET EXCESS TAX PAID BACK TO YOUR ACCOUNT The euphoric feeling of getting an Income Tax Refund is nothing less than winning a lottery. Both come as a complete surprise. The most important difference between them is that the money you earn from the lottery is tax-free while your tax refund is the money the government owes to you. Once in a year, you get the opportunity to claim the refund of excess tax paid by filing your tax return. However, you need to keep a few important things in mind to ensure that you get your income tax refund on time in your bank account. 1. File tax return at the earliest opportunity From childhood, we are habituated to doing important tasks at the last moment, whether preparing for an important exam or paying the electricity bill. No doubt we always file our tax return at the last moment as old habits die hard. “Remember that after you file your tax return, the tax department takes some time to assess your ITR and issue your refund. Hence, it’s a no-brainer that early filers get their refunds sooner than others. Procrastinating on this task can result in you missing the deadline, and ending up paying a late filing fee out of it. You will also lose any interest payable on your refund by the government. So, always file your taxes as soon as possible,” says Chetan Chandak, Head of Tax Research, H&R Block India. Read more at www.starhealthdevarajan.om/news/576 for INsurance related services, U can always call 98401 77017 Devarajan

LIC Additional Bonus

LIFE INSURANCE POLICY: CHECK OUT WHAT MAGIC OF FINAL ADDITIONAL BONUS IS ALL ABOUT A life insurance policy is a long-term contract between the policyholder and the insurer for financial protection to the dependents if the policyholder dies during the tenure of the policy. Ideally, a policy should be for 25-30 years covering the earning span of a person’s life. It is argued by insurance customers that the sum assured fixed during the beginning of the term of the policy loses its economic value over a period of time and this financial protection may be inadequate when the need arises. This argument is valid as inflation erodes the purchasing power of a currency. It is a genuine apprehension that the sum assured under any policy may effectively look very small if claim arises after 20 to 25 years. The sum to be received on maturity may not adequately serve the purpose of supporting the policyholder during his post-retirement period. Insurers have come out with the ‘participating policy’, which is profit sharing from the returns on the investment of the life fund in the markets. The life fund comprises premium amount left with the insurer at the end of each year after meeting its expenses, claims outgo and statutory obligations. The investment returns are also added to the fund every year subject to actuarial, regulatory and statutory guidelines. Policyholders who opt for with-profit plans enjoy the benefit of allocation of bonus to their policy as simple reversionary bonus which is vested in the policy every year and which enhances the total sum payable to the policyholders or their families on maturity, surrender or death. In long-term policies, the bonus amount often exceeds the amount of premium paid. But there is a further reward known as Final Additional Bonus (FAB) payable only on death or maturity. Insurers pay this amount for policies with a term of 20 years or more. In India, LIC, as the only insurer with policies maturing after 20 years, has been announcing FAB. Readmore at http://starhealthdevarajan.com/news/575 For Insurance related services, U can always call Devarajan Ph 9840177017

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Senior citizen Day

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A Special Mediclaim for Age 60-75 years

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Senior Citizens Red Carpet Insurance Policy. https://retail.starhealth.in/agentpolicies/redcarpet/agentnew?intermediaryCode=BA0000000081&officeCode=111111&smCode=SH19589&type=AGENT

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Health Insurance

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National Son & Daughter Day

National Son & Daughter Day is celebrated on August 11 It is most Popular In united States. But now it seems we are also following the trend of Western culture. We forget the value of Parents. It is a day to spend with your children, the joy of your life. Daily life in a family with kids can sometimes be very busy, exhausting and distressing. The best way to take part in Son and Daughter Day is to show appreciation to sons and daughters. If those children are already grown up give them a call or visit them to let them know they are still beloved sons and daughters. We have more affinity towards children. for their Welfare We work 24 hours. But what we do not do is, We are not giving Quality time to the Children. Children will be most Happy when U spend time with them. it should not be a one day affair. Atleast start today to give some time to them daily, inspite of Heavy schedule. for this purpose only this greetings has been posted Atleast Spend Quality time with Ur Children on this Coming Weekend

LIC Cancer care Policy

LIC’S CANCER COVER POLICY Life Insurance Corporation (LIC) of India’s cancer cover policy is witnessing a quantum jump in sale of health insurance. The company has sold more than 1.25 Lakh cancer cover policies so far as more than 70% of cancer affected Indians do not have any financial provision to face the rising cost of treatment which can be a few months to few years A recent study shows India has 2.5 million people affected by Cancer. Every year more than 7 lakh people are added, and 5.5 lakh people die of this dreaded disease. We know that Cancer is curable when it’s treated properly at the initial stages. It is a known fact that there are more than 200 types of cancer.” The cancer cover plan comes with the best features like non-medical up to the age of 65 years, maximum sum assured is Rs 50 lakh. At the initial stage, 25% of sum assured will be paid as lump sum. If it is a major stage, 100% sum assured will be paid and future premiums will be waived off. An attractive feature of this plan is 1% of Basic sum assured will be payable to the diseased claimant or nominee every month for a period of 10 yrs. It helps families to get financial stability. The other product, Jeevan Arogya comes with a defined benefit covering 140 major surgeries and 140 surgeries under day care benefit in addition to hospital cash benefit. This plan can cover entire family including in-laws under single policy. Premium paid under both the plans are eligible for Income Tax relief under Sec.80D up to Rs 55,000. Read more at www.starhealthdevarajan.com/news/567 For Insurance related Services, U can always call at 98401 77017 Devarajan www.licdevarajan.com

Financial Planning after Retirement

WHY FINANCIAL INDEPENDENCE MATTERS AFTER RETIREMENT With longer life span, the significance of financial independence in old age has increased dramatically. Crossing the age of 85 is quite normal nowadays. But due to the popularity of nuclear family system and migration of younger people for better prospects, a majority of older persons have to live alone, without any family support system. They have to look after all their requirements and if they do not have enough income, their life becomes tougher as they can’t get proper care and support. Hence, at this stage, financial independence matters most. In today’s times, it also seems that the level of sensitization towards needs and rights of older persons among younger generations has declined as a majority of them hardly interact (or get to interact) with their ageing parents and grandparents. Read more at www.starhealthdevarajan.com/news/566 For Insurance related Services, U can always Call 98401 77017 Devarajan

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Health Insurance

CAN STANDARDISATION OF EXCLUSIONS IN HEALTH INSURANCE POLICIES HELP CUSTOMERS? Need to rationalise scope of exclusions One of the most contentious issues, which is also the reason for the highest number of grievances lodged by health insurance policyholders, pertains to “exclusions” under a health insurance contract. As more comprehensive products are being introduced, the list of exclusions by insurance companies (to avoid litigation and court awards) is also growing. Different products carry different exclusions, and the same exclusion could mean different things, creating distress and distrust. The denial of a claim or unjustifiable deduction of expenses from the customer perspective usually stems from exclusions relating to treatment involving investigation only; treatment not requiring hospitalisation; unproven treatment or new treatment or specific treatment involving advanced or expensive techniques; among others. But sometimes even customers and doctors and hospitals fudge documents for circumventing exclusions. So, it’s important to rationalise the number of exclusions, standardise wordings and scope of exclusions. Read more at www.starhealthdevarajan.com/news/564 for Health Insurance Related services, U can always call at 98401 77017 Devarajan

Retirement Planning

KEEP THESE 4 FACTORS IN MIND WHILE PLANNING FOR RETIREMENT Retirement is a major life transition – up there with marriage, buying a house, having children et al. It also starts a period of relaxation and frees up time to fulfil the remaining dreams of life, otherwise left unattended. However harsh it may sound, the ability to fulfil these desires hangs on the availability of money. Additionally, while you must be creating these plans, you should not discount any unfortunate situation which can eat up your savings while ruining your desires. Finding the retirement years of your dreams takes planning. A jitter-free post-retirement depends on creating a proper protective shield around all probable situations. To be ready with a protective shield requires you to have a proper awareness of needs, possible situations and accordingly decide on the suitable financial product available in the market. Life insurance has the potential to protect and do so much more if suitably utilised in an all-inclusive retirement plan. Start early While you may be reading this, retirement could the last thing on your mind. But most people make this mistake, they think of money and planning only when they are close to retirement. In the best case scenario, one should start preparing for retirement practically from the time one starts working. It is suggested to buy a life insurance plan early so as to avail maximum value at minimum expense. Plans bought early costs less and it is wiser to anticipate the new responsibilities that are going to appear in future. Having a fitting life insurance plan keeping retirement in mind will accomplish multiple jobs. It will protect your income, offer tax-free cash flows and provide peace of mind to you and your family even at a time when you are not working. Read more at www.starhealthdevarajan.com/news/561 for Insurance Related Services, U can always Call us at 98401 77017 Devarajan

Take Policy - Cancer

HERE'S WHY YOU NEED TO INSURE YOURSELF AGAINST CANCER Merely the mention of the word cancer can instil fear and fright in the toughest of person. But getting scared is not the answer and being prepared at least financially is the least one can do. The incidence of cancer seems to be increasing in the country. As per a recent study, cancer cases are likely to increase from 14 lakh in 2016 to over 17.3 lakh by 2020. Irrespective of age, social status, physical fitness, gender cancer can hit anyone. Among prominent Indian celebrities who have been hit by the disease are cricketer Yuvraj Singh, movie director Anurag Basu, and actresses Nargis, Mumtaz and Manisha Koirala. Recently, actress Sonali Bendre announced she is undergoing treatment for cancer. Several studies have shown that more than genetics, 70-90 percent of all cancers are environmental. The cancer scenario in India is also alarming as according to GLOBOCAN 2012, a report prepared by World Health Organisation’s International Agency for Research on Cancer, India already has the third highest number of hematological cancer patients in the world after the US and China. Read more at www.starhealthdevarajan.com/news/565 Take LIC Cancer Cover Policy For Insurance related services, U can always call us at 98401 77017 Devarajan www.licdevarajan.com