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Pick that Perfect Apartment in Jaipur

Pick that Perfect Apartment in Jaipur

Jaipur, the state capital of Rajasthan, is culturally rich and one of India’s finest cities. With a great heritage, the city attracts millions of tourists every year. Today the pink city is considered as one among the ten mega cities of India. No wonder the real estate market in Jaipur is flourishing, with all the infrastructural development the city is witnessing, and its proximity with the capital city of Delhi. Jaipur is situated on the Delhi- Mumbai Highway, and the city boasts of a well-planned road and railway network. The city is a part of the golden triangle with adequate education, hospitality and healthcare facilities. In this pink city, amidst kings, palaces and ancient forts are residential apartment and flats in Jaipur by FS Realty- a VENTURE OF FIRST STONE.

First stone works on a very unique philosophy, working towards bringing about new beginnings, laying the foundation stone for a good life and a home. According to First Stone,”A new beginning where life travels that extra mile to find newer destinations of a brighter future is what a foundation stone symbolizes”. The interesting luxury flats in Jaipur by FS Realty that are worth considering are as follows.

Project Crest near Marriott Jaipur

Here is a lovely 65,000 sq. ft. project called Crest. It is situated near the Marriott Hotel of Jaipur. The project boasts of a landscape that is surrounded by lush green tropical gardens. It has a central courtyard, where you could find water coming out of large urns. It would also have a roof terrace garden. Just imagine the beauty of intimate water features that come alive at night here. Wouldn’t it be a beautiful sight? There is a very interesting philosophy Crest has adopted in this project which is combining local flora along with exotic trees and plants. The most noteworthy features of this project is the fact that there is no parking on the ground floor. So here is a residential colony with a ground floor that is free from vehicular movement. The project boasts of all modern amenities apart from being ideally located to hospitals, schools and markets.

Project Platinum

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Project Crown- Sharing the common wall with Marriott

Sharing the Common Wall The Under Construction Platinum and Crown

Two projects of FS Realty Platinum and Crown are a class apart and definitely an epitome of urban luxury. And here is why. They share a common wall with the Marriott. Isn’t it wonderful to be a part of this posh enclave that stands tall in one of Jaipur’s prestigious neighborhood? Do you seek a home that is not only amidst nature and beauty, but also connected to the city’s landmarks? Then these two projects are definitely worth considering.

Project Pinnacle

Pinnacle- Ever dreamt of owning a home on a high rise that boasts of 20 storeys? Then Project Pinnacle is just the one for you.  Choose a floor above and get a clear view of the world around. Pinnacle is surely an architectural marvel that would never fail to amaze you. In the lap of luxury, you could get that brilliant panoramic view of the beautiful city of Jaipur. It is surely that perfect home with a view.

Project Coronation

Don’t we all love homes that are planned meticulously in every way? Coronation is one such project. It is a lifestyle home indeed and the interiors speak volumes of the essence of harmony, with a contemporary facade outside. Each apartment in this project is customized to complement your taste and style of living. These homes would surely make that statement.

Each of these projects are a class apart. Take a walk through and you would be left spell bound. That’s a guarantee

Medical Store Embarrassment?

Medical Store Embarrassment?

Noticed how buying condoms is often a nerve racking and uncomfortable experience for many? It does seem quite surprising, considering the fact that, it is the step forward towards being responsible and practicing safer sex.  But then, how could I forget, we belong to a country where sexuality is always behind closed doors, and one seldom displays the minutest possibility of having any inclination. No wonder, people mumble, fumble and whisper, to buy that pack of condoms.

The medical store drama

I was at a medical store recently, and as I stood waiting to be attended to, my eyes caught sight of a middle aged gentleman. Furtively, he glanced over his shoulder and scanned at those at the stores, and then at me. When prodded by the shopkeeper, he fumbled for a pack. Barely audible, his embarrassment was evident. It was like as though he was all set to commit the gravest of crimes.  The other two customers stood with their eyes transfixed straight ahead, ‘lest their eyes make any contact with the pack. The shop keeper picked up a pack from the counters within the store, whipped out a brown paper bag and sealed the edges. It seemed like as though everyone present there wanted the transaction to be completed as soon as possible.

Sexuality- An integral part of being human

There is a large stigma associated with buying condoms. There are instances, where many drive up around 10 kms away from their home to buy that pack of condoms, to ensure those from their neighborhood aren’t watching them buying a pack. In fact, in a survey conducted, it was revealed that the embarrassment factor involved in buying condoms from a shop is the biggest factor that prevented men from using condoms to enjoy safe sex.

The portal- A cheer to many

But now, much to the cheer of many, condoms could be bought without the embarrassment factor. Yes! One can purchase any condom brand, any quantity and at any time with a click of a mouse! They need not disclose their identity and there would be no glaring eyes, no smirks and no grins. One cold purchase condoms online and get it delivered home discreetly. No hassles.

What’s in store?

The web portal condombazaar.com allows this hassle free buying of almost all condom brands in India, without the need to disclose one’s identity. Orders placed would be delivered at the door step. The portal also stocks up, female condom varieties, personal lubricants, vibrating rings and climax delay sprays.

All that the buyer needs to do is to disclose his / her email ID. No need to furnish any other personal information. The site is easy to navigate, and serves as a platform for men and women to get habituated to safe and exciting sex options. Anyone above the age of 18 years can order condoms online in India without having to feel embarrassed.

Isnt this the most convenient way?

Privacy and discretion at its best

Total privacy is guaranteed during transaction and shipping. The payment for the ordered quantity can be made online. Condom bazaar uses highly secured payment gateway, so the payments are highly secured. The word ‘condom’ will never appear in your credit card statement / bank statement. Condoms will be delivered in a discreet packaging. Other than the buyer, no one can notice that condoms are packed inside unless the packaging is completely removed. Discreet packaging ensures absolute safety and privacy.  It will be a tamper-proof and opaque outer cover.  The site has exclusive sections to educate Indian youth about sexual wellness including how to use condoms. An exclusive section for condom reviews allows users to make informed choice while they buy condoms online. The section also carries useful information’s, such as Condom Price in India and information about various condom brands in India

As much as love contributes to healthy relationships and individual well-being, sexual intimacy is an integral part too. Sexual well-being refers to many factors such as physical mental and emotional factors that impact sexual function and reproduction.

Surely with portals such as this, we are paving a way to better and more responsible sexual behavior. 

Ten Fashionable Women’s Wear For Indian Parties

Ten Fashionable Women’s Wear For Indian Parties

Slaying a party is not everyone’s cup of tea, whether it is a traditional wedding party or a rock and roll birthday bash. Women don’t take any such parties lightly and represent themselves in the best possible outfit to look gorgeous, smart and attractive. Find listed 10 of the most popular, trendy, and fashionable party wear for women.

For Traditional Parties

  1. Sarees

Indian Sarees are the most popular outfit for a traditional party like a Wedding reception or family function. The variety and material you get to choose from are massive which make sure that you will get your favorite one.

  1. Suits

Preferably an Anarkali suit or something similar. Suits with heavy work and unique designs are best suited for girls as a traditional party wear.

  1. Lehnga

Lehenga is one of the oldest Indian dress and one of the most popular as well. Lehangas are rich looking and gorgeous dress which suits to Bride as well as guests. It is a colorful outfit which is equally famous among all age groups.

  1. Gown

Full-length gowns are another popular and trendy fashion wear among women for traditional parties, wedding, and family gathering. It is elegant, beautiful and makes you look attractive and different among all.

For Casual Parties

  1. Skirt & Top

Short Skirts look cute on girls, and there is no denying that. You can opt for a skirt and a designer top for your next birthday bash which is one of the most favorite outfits among girls for casual parties.

  1. Short & Tee

Be comfortable, be stylish and be cool in a short and tee which looks stunning on every girl. Go for a casual tee with a short of your choice, though it should be stylish.

  1. Casual Jeans

The most popular women outfit in all over the world. They come In various designs, materials, and distinct style. Jeans go with every kind of top or tee, be it designers ones or casual ones. So next time when you are set to join the party, feel free to wear your favorite and most stylish jeans with an amazing top to look cool and smart.

  1. Dress

A one piece dress is the most elegant and attractive outfit as a party wear for girls of all ages. Length, design, color and pattern depends on individual’s preference, and there is a lot of variety available to choose from.

Bottom Line

Women have so many options to choose from when it comes to dresses and outfits for any party. They have better fashion sense, and that reflects with the variety of different outfits you get to see in a party, whether it is a traditional one or a casual and rock one. These are some of the most popular party wears in India for girls of all ages.

Real Estate In Mumbai – With roofandfloor.com

Real Estate In Mumbai – With roofandfloor.com

When it comes to investing in real estate in Mumbai, most people feel skeptical about getting the best value for their money. This is because, the real estate industry in this city of dreams has for long been overshadowed by various by the unrealistic prices sought by developers. In fact, despite the city boasting of a phenomenal increase in the number of new projects being developed across all budget ranges, investing in a decent residential or commercial property is often beyond the reach of an average investor. Thankfully, the scenario has been changing over the past several months in favor of buyers and investors. In fact, many experts feel that the real estate industry in Mumbai today has become the buyer’s market today, more than ever.

However, in order to get the best deals on real estate investment in Mumbai, it is important for people to consider the following factors before pledging their hard earned money.

Changes In Development Trends

Most real estate developers in Mumbai are not only focusing on developing new properties, but also redeveloping the slums. This has not only helped in further urbanization of the city but has also proven extremely beneficial for its infrastructure development. Although the rates of these properties are decided as per their location, the units that are being redeveloped generally come with affordable price tags. However, it is important for the investors to verify the different parameters of quality, durability and maintenance before opting to invest in both new and remodeled properties.

Promotional Offers To Boost Sales

A majority of real estate developers in Mumbai have flaunted a wide range of promotional offers to boost property sales. This can prove extremely beneficial for the investors as attract a larger number of potential buyers. Schemes such as zero interest rates, deferred payment plans, waiving off of various levies on special occasions and other such schemes have contributed towards turning the market in favor of the buyers. Real estate investors should seek complete details of the various promotional offers being provided by different developers and thoroughly analyze their pros and cons to ensure that they choose the one that proves most beneficial for them.

Choice Of Location

Location is the most important factor that investors need to consider while putting up a huge amount of money in real estate, which in turn depends on the purpose of investment. In case of investors seeking real estate options simply for profit booking, projects being developed at any decent location within or on the outskirts of Mumbai city can prove to be an ideal choice. Here again, the choice of property will vary according to the available investment budget. However, in case the property is being sought for immediate personal or business use, the buyers need to choose the locality by factoring in their everyday needs.

Seeking Help And Guidance From Professionals

Most investors are ignorant about the best ways to verify the above factors, which is why they need to seek the services of renowned professionals in the field. Roofandfloor is one such portal where investors can get honest and reliable advice about the best investment options in real estate available in Mumbai. The company, driven by integrity, is a subsidiary of the 137 year old The Hindu group and strives towards helping home buyers to get the best deals. They offer the following services to ensure that the experience of purchasing a property in Mumbai proves to be a smooth and hassle free experience for the clients.

True Price

The service is aimed at providing the investors with an accurate pricing of the property of their choice, including a detailed cost breakdown about preferential location charges, club membership, registration, VAT and all other costs. This helps the investors to better understand how their money is being used and whether or not they are getting the best value for it.

True Legal

This service aims to educate the investors about all the legal and other aspects related to buying a property, to help them make an informed decision. Through this service the clients also get the facility of verification of proper legal documents for the property as well as the availability of requisite approvals and authentications to avoid any problems at a later stage.

Jaago Re- It is Time to Pre-act not React with Tata Tea

Jaago Re- It is Time to Pre-act not React with Tata Tea

As I sat casually switching channels, sipping warm tea on a lazy Saturday afternoon,  the television flashed one of the most compelling and hard-hitting advertisements of recent times. Tata Tea is back again with its trademark “Jaago Re” campaign. And this time around the brand has brought into forefront what is essentially known as pre-activism, urging consumers to pre-act and not react to prevent social crises.

Pre-Activism- Isn’t it the need of the day?

If this term had to be laid out in a simple form, it is nothing but a sort of awakening, to learn and finally find an answer to underlying problems……well before one strike. The advertisement carries the potent voice of the young girl, as a bunch of people lie sleeping away in the backdrop.  

“Alarm abhi baja nahi, Rape abhi hua nahi. Kisan abhi mara nahi, abhi ye phul gira nahi. Khiladi ne medal abhi hara nahi, alarm abhi naja nahi….” (Translation from Hindi: The alarm hasn’t gone off yet, nor has the rape happened. We are awaiting farmer suicides, bridges to collapse and players to lose medals. The alarm has still not gone off….)

It is almost always, that we collectively as a society react with outrage only after apathy has befallen! We head out on candle marches. Oh well!!!! Of course express anger on social media, crib about the deteriorating law and order of the country. We boil with rage when a catastrophe strikes.

But does it really solve our issues?

Candle marches, Facebook posts, Twitter protests and arm chair activism, it’s time to change our behavior towards what affects our society. The outrage must metamorphosis into a newer form of activism- and that is prevention. Can you and I do something? Of course we can.

  • Make some noise, well before something goes wrong.
  • The government needs to hear- whether it is encouraging our sports personnel or securing the lives of our farmers.
  • Do your bit for your city.
  • Segregate and recycle waste.
  • Be sensible on the road, by doing your bit such as reducing noise pollution and road rage.
  • Raise your children, boys as well as girls responsibly.

Its high time we pre-act than react!!!!!!!                  

New Cars in Philippines From Tata Motors

New Cars in Philippines From Tata Motors

Tata Motors’ vehicles have been in great demand in the Philippines since 2014. The low cost of ownership and availability of diesel vehicles makes the cars, utility vehicles and cargo vehicles an integral part of the country’s transport sector.

Philippines- an archipelago in South-East Asia has one of the most beautiful terrains. Wonderful beaches are just part of one of the world’s longest coastlines. Over a hundred ethnic groups, with a mixture of foreign influences, there is a fusion of cultures here. In this beautiful country, Tata Motors offers commercial vehicles and brand new cars in Philippines, at great prices. Users have an option of both petrol as well as diesel cars.

Founded by Jamsetji Tata in 1868, the Tata group is a global enterprise, headquartered in India, comprising over 100 independent operating companies. The group operates in more than 100 countries across six continents, with a mission ‘To improve the quality of life of the communities we serve globally, through long-term stakeholder value creation based on Leadership with Trust’.

There is an option available for various users and requirements. From passenger vehicles, diesel cars, small trucks, to pickups Tata Motors offers it all to the Philippines market.

*These are probably the best fuel efficient cars, and environmentally sound in a variety of ways. Tata Motors work with alternative fuels, and have developed electric and hybrid vehicles for personal and public transport, and use some of the world’s most advanced equipment to check and control emissions.

If you want to buy a car in Philippines, think Tata Motors!!

Source: www.tatamotors.ph

The Magic of Warmth!

The Magic of Warmth!

“A soldier doesn’t fight because he hates what is in front of him. A soldier fights because he loves what he left behind.” – Unknown

It was for the third time that we had to cancel our planned vacation. The bags lay half packed on the bed, as I looked up at his stoic face. His eyes said it all; the vacation was not going to happen for some time to come. I didn’t utter a word the entire day.

It’s overwhelming indeed!

From the time of the Great World Wars, there have been abundant discussions and dialogues’ describing what life for a soldier is like. Movies and bestsellers have well portrayed human experiences and mental outlook during difficult military deployments. However, there has been little attention on the effects these deployments have on the wife. When the man of the house is away on military operations, the family experiences significant stress, and dealing with it could be overwhelming.

The wife goes through loneliness, pressures of extensive separation, potential difficulty in bringing up children, disruption in family roles and many a times a feeling of a loss of emotional support.

I didn’t bid goodbye!

And when the unit “Husband” belongs to, decides to make last minute changes to its schedule, holidays planned with families may never see the light of the day. The air of disappointment lingered around as I sulked when the “Husband” picked up his bag to leave. It was evident- there would be a month of separation. The complex emotions were hard to counter, and I stood still without bidding him the ritual goodbye I had been doing so for the last decade.

Loneliness- When kids weave a magic to overcome it

I sat that night on my bed, looking outside the window. The vast expanse of the night created a deeper sense of loneliness. As I propped up my pillow, I felt my 8 year old’s hands moving through my hair. They felt warm as she gently massaged drops of oil with her tiny fingers. Children have this uncanny sense of understanding, of feelings that are seldom spoken. They are better able to comprehend what is not expressed in words and gestures, but what is evident in facial expressions.

Sensing my mood, she felt it right to just give me-her mother- a touch of warmth, hoping it would smooth things over.

I let her move her little hands through my hair, as the warm coconut oil sooth my temples. I closed my eyes. Maybe I was being unreasonable. Being married to the man in uniform, my life is a jumble of both joyous and lonely moments. And it is best I take one day at a time. Well, I wasn’t sure if it was the warmth of the oil or her tiny fingers that brought about this realization to me.

It was a magic of warmth moment indeed!!!!!

“I’m blogging about my #MagicOfWarmth moment at BlogAdda in association with Parachute Advansed Hot Oil

 

*Featured image source: Pixabay
Cashfat Most Trusted Cashback Website in India

Cashfat Most Trusted Cashback Website in India

According to Wikipedia, “A cashback website is a type of reward website that pays its members a percentage of money earned when they purchase goods and services via its affiliate links”. So amidst all the hassles of demonetization, lies a way for shoppers to make that extra buck on their purchase. This is with the use of a cash back site.

The concept of cashback sites in India

Users of cashback site in India can stand to get back rebates, for their purchases at specific retailers. Sites vary on what form of cashback rebates they offer their users. Some programs will provide the users with a percentage of the total purchase price, while others have a flat sum that they pay out for each action. When a customer makes a purchase online, instead of visiting the retailer directly, they may choose to follow a link from a cashback website to generate a monetary reward when buying products or services. The cashback website receives a commission from the retailer that, after the purchase is confirmed, is shared with the customer who made the purchase.

Speaking about Cashfat.com

Our very own Indian coupons and cashback website, https://www.cashfat.com is here to give you a similar benefit. When you make purchase frequently on any of their 1000+ associate retailers such as Paytm, Dominos, Flipkart, Expedia and Amazon you get to earn on your purchase.

How do you go about it?

All you need to do is sign up and then sign in to go through the website to the retailer’s online store. Locate or search for the blue/orange icon or bar on the Cashfat.com site, click, select or choose to navigate. This will take you straight to your preferred retailer’s store. You would need to first open an account with Cashfat.

What you get from it

The benefits from cash fat range from fabulous online shopping offers which include cashback, discount coupons, and promo codes. The service is absolutely free. The range of goods and brands available is large and includes names like Air Asia, Amazon, Big Basket, Burger King, Cleartrip, Decathlon, ebay, Oyo, Pizzahut, Snapdeal among many others.

It’s all hassle free

Once you enter the store of your choice, prominently displayed are the coupons and promo codes available. After the purchase is completed, believe it or not, the cashback is tracked and added on to your CASHFAT wallet thats held in your account, within 48 hours. After that, the cashback is confirmed and you can redeem it conveniently. CashFat.com is definitely a trusted cashback site in India.

Weight loss with Truweight-Review

Weight loss with Truweight-Review

Heard of Super Foods? Surely, it is a commonly trending word, and if you are those health conscious individuals or, are in a weight loss mode, it’s definitely not a new term. Consult any nutritionist and he could well give you sermons on the advantage of including these in your daily diet. Garlic, blueberries, spinach or grains, technically a super food is one that is nutritionally dense, and hence considered to be good for one’s health. They are mostly plant- based but in recent times, dairy and fish have been included too.

Super foods, entered my life, when I was desperate to lose that post pregnancy flab of mine- without compromising on the nutritional element of my diet. In fact, I prefer referring to them as a “Super Diet”, instead of just individual super foods. The “Super diet” emphasis is on a healthy, balanced diet, rich in fruit and vegetables and wholegrain foods. I stress on eating a variety of foods, to ensure I get enough of the nutrients my body needs. No crash diets for me or weight loss pills either. It’s all about a balanced diet along with my daily dose of morning walk to energize my body and mind.

Getting to Truweight

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Truweight is a weight loss company that helps people dealing with obesity, lose weight with nutrition counseling. Their expert team of nutritionists will counsel either online or at their weight loss centers to advice on diet and regime, without the use of any weight loss pills or belts.

Nutrition and diet is key in losing weight. And Truweight understand this. It brings in over 35 such super foods working purely on getting one’s diet right. It guides you to consume the right kinds of food, keeping in mind health as well as focusing on losing one’s weight.

What’s your body kind?

Aren’t we all different? In every single way-physically and mentally. So shouldn’t weight loss methods too be as per our body kinds? Truweight thus provides expert weight loss consultation and optimal diet suggestions as per one’s unique body type. You could meet their expert nutritionists who will analyze the body type to ensure effective weight management.

Super Diet with Super foods- My Experience and Review

It indeed was a generous package that I received from Truweight. The super diet kit is designed by food scientists, who have tweaked the common daily foods making it a winning Truweight formula. The variety is good with tastes that sure do tickle buds. I set myself a target of a week, where I included the snacks and healthy options into my diet.  I must say, I loved the taste and it did leave me feeling lighter and refreshed. Here are the options I tried.

The Breakfast Option 1478758191746Quinoa Dal Dosa: This teeny-tiny, grain-like seed packs some serious nutritional prowess. With a mild, nutty flavor and a texture similar to rice quinoa is one of the only grains or seeds that provides all nine essential amino acids our bodies can’t produce themselves. And it’s filled with protein. The Quinoa Dal Dosa is a ready-to-cook mix. Mix it half an hour prior to cooking. And enjoy a healthy and protein rich breakfast every morning. A perfect alternative to the traditional dosa.

Soulful snacks

Love your mid-morning snacks? Yet feel guilty about consuming that packet of namkeen? Try one of these. They are healthy and tasty too

1478759515814Fruit Trail mix: With up to 50% less fat, the mix is loaded with nutrition and includes roasted and flattened Bengal gram, green gram, puffed pearl millet, flax seed and melon seed. So eat without the gilt.

Oats mixture: Yet again a healthy option loaded with the goodness of roasted Oats.

Quinoa and seeds mix with Jalapeno seasoning: Contains quinoa, amaranth and various seeds like sunflower, peanuts, and flax and melon seeds. Quinoa and amaranth are traditional gluten-free foods which have been celebrated as mother of all grains by old civilizations. The snack contains mono- & polyunsaturated fatty acids, omega-3 and -6 fatty acids, several vitamins like B-group vitamins, vitamin E and crucial minerals like Magnesium & Selenium.

For the Sweet Tooth

Granola Bar: Made up of rolled oats, jowar and nutty almond, this crisp bar is perfect for that sweet tooth craving.

Protein rich granola ladoo is specifically formulated to provide protein & fiber the two nutrients which are lacking in modern day diet. It is a source of beta glucan from oats. Enriched with honey, almonds & sunflower seeds, it is a tasty way to meet hunger cravings between meals.

Beverages

Teatox: Teatox is a good combination of green tea and herbs. It improves metabolism and helps in detoxification.

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Hibiscus tea: A refreshing herbal tea made from the dried crimson-petaled Hibiscus flower. It is enriched with vibrant color, flowery aroma and rich flavor. It contains vitamin C and anthocyanin. It is a good option for replacing regular tea/coffee.

Shake a day: A delicious drink filled with the goodness of whey protein. Rich in branched chain amino acids, whey has a high Protein Efficiency Ratio.

Amla drink: is a source of vitamin C and promotes metabolism and healthy digestion.

Exercise contributes only 20-30% to weight loss. Rest of the 70-80% comes from your diet. If you keen on not only losing weight but also eat and live healthy, super diets may well be your option. Try out the Truweight’s approach to weight loss evaluating your overall health by making customized meal plans and guiding you at every step to lose weight.

Please note: You are not advised the program if you are pregnant or lactating. Anyone with any major medical condition should consult their physician before starting this program.

#Investshield- A New Investment ULIP by CHOICE Life Insurance

#Investshield- A New Investment ULIP by CHOICE Life Insurance

Until some years back, the insurance market was ruled by the simple and straight forward, term and endowment plans. With the opening up of the sector, buying a life insurance policy came up with more options in the form of Unit linked Plans. Primarily insurance policies, Unit Linked Insurance Plans (ULIP) provide protection and also help accumulate wealth.

USP of ULIP

What sets ULIP apart from the traditional insurance policies is its ability to blend investment and insurance in one single plan. In a ULIP you get to invest in the capital markets, as per your risk profile, through its various fund options.

Key Advantages of ULIP

  • Insurance Cover
  • Tax Benefits under Section 80C
  • Option of Systematic Investment
  • Gives you a range of investment options to choose from as per your risk profile

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How does a ULIP Work?

The premium in a ULIP goes towards meeting the insurance needs and towards building wealth. In the initial policy years, a large part of the premium goes towards policy expenses. Post the deduction of these expenses, the premium is divided between providing a life cover and making an investment.  Units are allocated for the amount invested, in a fund of your choice. The fund could be equity, debt, or a combination of the two. The value of the units allocated depends on the performance of the underlying fund. In the first 2 to 3 policy years, the fund value may remain low may remain low due to the high expenses deducted initially.

Canara HSBC Oriental Bank of Commerce Life Insurance has launched a new linked insurance product ‘iNVESTSHIELD’ that designed to protect and meet an individual’s present and future financial needs.

iNVESTSHIELD is an exclusive online Linked plan designed for customers who are looking for a hassle free experience and convenience of buying online. It’s a feature rich product with the USP being the ‘Premium Funding’ option whereby in the event of the life insured’s death –  in addition to the immediate benefit payout (higher of Sum Assured or 105% premium paid), the Insurance Company funds the remaining premiums for the remaining policy term  and the fund value is also paid on maturity. Therefore, the plan provides a solution to meet wealth accumulation needs along with a protection cover, with the convenience of buying online through a simple and user friendly process.  The customer also has a flexibility of multiple funds depending upon the risk appetite and switching between funds as well as systematic investment.

Salient features of the Plan #InvestShield are

  • Zero Premium Allocation Charge throughout the premium payment term of the Policy
  • Loyalty Additions for additional allocation of units to boost  the retirement fund
  • Choice of Investment Funds ranging from 0% to 100% equity exposure, to match one’s risk appetite
  • Premium waiver benefit option which helps the parents to plan a secure future for their children.
  • Safety Switch Option enables one to move  funds systematically to a relatively low risk Liquid Fund to avoid market movements in the last four Policy years
  • Liquidity through partial withdrawals to help meet unplanned financial needs
  • Tax benefits on premium paid and benefit received during Policy term under Section 80C and Section 10(10D), as per the Income Tax Act, 1961, as amended from time to time

Heres the link to the plan : www.canarahsbclife.com/lifeinsurance/portal/canh/home/for-individual/iNVESTSHIELD_Plan

ULIP and Tax Benefits

The premiums on a ULIP are eligible for tax benefits under Section 80C where a deduction of up to Rs 1 lakh from the taxable income of the individual is permitted. In case of policy holder’s death, the amount received by the nominee is totally tax free in their hands. The maturity too is classified as a payout under Section 10 (10D) and the entire amount is tax free in the hands of the receiver.

Making the Most of Your ULIP

  • Look at the long term: The most important thing about ULIP is that they are long term investments. You stand to gain the most if you stay invested till maturity. They are not to be looked as short term investment vehicles to earn quick gains.
  • Be clear of your Objective: Your prime objective should be to have adequate life insurance cover to protect yourself from unforeseen events. Work out the required life cover on the basis of your age, income, and dependents.
  • Customize your plan as per your requirement: You could use the various add-on benefits to customize a plan.
  1. Riders: A rider with a ULIP is an additional cover along with the base policy available for an extra charge. This could be accidental death or disability benefit, or a critical illness cover.
  2. Top ups: For an additional amount over your regular premium, you could increase your investment component in the base policy. In such cases, partial withdrawals are permitted generally only after five years.
  3.  Switches: You could switch your investments from one fund to another in case of changes in risk profile. Five to six switches are generally not charged for, further to which you may have to pay a nominal charge.