Robinhood Insurance Broker Private Limited

Others

  • Ans

    All policies have a free-look period of 15 days, during which if the customer is dissatisfied with the policy or disagrees with any of the terms and conditions then he can choose to cancel the policy. The entire amount would be refunded, except charges of medical examination, stamp duty and proportionate risk premium for the period of cover.

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  • Ans

    A ULIP comprises of various charges which one should be well aware of before purchasing a policy. Let us understand some of these charges:

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  • Ans

    In a ULIP, investment returns are not guaranteed and the risk in the investment portfolio is borne by the policyholder. With ULIPs, greater the risk, higher would be the return potential. For example investment into Equity is considered most risky but it also offers higher returns. Moreover, past performance of funds does not guarantee same results in future and hence one should pick funds wisely.

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  • Ans

    In a ULIP, the insurer offers a huge variety of fund options to choose from. Different plans offer different risk profiles and the potential of return also varies from fund to fund. Some of the basic types of funds available are: 

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  • Ans

    A Unit Linked Insurance Plan (ULIP) is a type of insurance product which offers a combination of insurance and investment under one plan. In a ULIP, a small part of the premium is used to secure life and rest of the amount is invested into funds just like in Mutual Funds. Most of the ULIPs allow the policyholder to choose the investment type and hence in such cases the risk in investment portfolio lies with the policyholder.

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  • Ans

    Life insurance is a contract between the insurer and the policyholder, wherein the policyholder pays a premium and in exchange the insurer promises to provide financial help to the beneficiary/ policyholder’s family, in the event of unfortunate death of the policy holder. Life Insurance is mainly divided into two main categories; Whole Life Insurance and Term insurance. While whole life insurance offers cover for a longer tenure and provides maturity benefit, Term insurance offers cover for a limited period and not all policies offer maturity benefits.

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  • Ans

    If you have dependent family members and if your absence will have any financial impact on your family, then life insurance is a must for you. In the event of your unfortunate death, Life insurance would offer a lump sum amount or a regular monthly income to the beneficiary/ family, which can be used to pay off debts, for children’s education, wedding , etc. and protects your loved ones from possible financial burden.

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  • Ans

    Life is uncertain and unpredictable, hence it is crucial to have life insurance policy. Let us look at some of the advantages that a Life insurance policy offers.

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  • Ans

    The premium is a pre-decided amount which the policyholder pays periodically, to the insurance company, to acquire an insurance cover for a specified duration. The premium for an individual depends on various factors such as age, medical history, income, etc. Some policies even allow you to change your premium amount after a certain period, depending on the needs and priorities in life.

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  • Ans

    The proposer is a person who proposes to enter an insurance policy contract with a insurance company, to insure himself or another person on whose life he has insurable interest, and who also pays the premium of the policy.

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