A common confusion between the two arises when someone is planning their retirement. So, what should you select between insurance and investment? Let us have a look
Benefits of Life InsuranceLife insurance plans have an assured sum which is paid to the policy nominee if you pass away during the policy term. If you survive, there is generally some type of maturity benefit in some plans. Many plans also come with valuable riders such as critical illness, death due to accident, etc.A significant benefit of life insurance over investment is the fact that the death benefit will be paid to your nominee irrespective of when you die during the policy tenure. So, if you have a Rs. 1 crore cover and pass away within five years of purchasing the policy, your nominee will receive the coverage.
Investment AdvantagesThere are now several retirement investment options such as unit-linked pension plans, mutual funds, and more to suit every type of investor. It is seen that people who invest in such options from an early age can create a large corpus by the time they reach their retirement age. So, your age plays a significant role in the process.As compared to the maturity benefit of life insurance that you can receive if you survive the policy duration, the returns from these investment options can be considerably higher if you remain invested for 15-25 years.
Selecting Between the TwoAs you can see, both investment and insurance have their benefits. The selection between the two mostly depends on what you are looking for. It is generally recommended that rather than selecting one of the two, you should invest in both for added safety. In fact, there are now life insurance investment plans that combine the two.
A strong portfolio is one that helps your assets grow while keeping you protected at all times.With these plans, your premium is divided into two parts- one part is reserved for life insurance, and the other is invested in a mix of debt fund and equity fund of your choice. So, such plans can deliver considerable returns over time while also providing the safety net of life insurance. You can consider a financial service provider that offers life insurance as well as investment options to get professional help for making the right decision.
The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.
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ABCL and ABC Companies are engaged in a broad spectrum of activities in the financial services sectors. You understand and acknowledge that Aditya Birla Money Limited (‘ABML’), Aditya Birla Finance Limited (‘ABFL’) and Aditya Birla Sun Life Asset Management Company Limited and trustees and sponsor of Aditya Birla Sun Life Mutual Fund (‘ABSLMF’) are group companies and ABML / ABFL also acts as a distributor of ABSLMF. Any recommendation or reference of schemes of ABSLMF if any made or referred on the Website, the same is based on the standard evaluation and selection process, which would apply uniformly for all mutual fund schemes. You are free to choose the execution facilities in the manner deemed fit and proper and no commission will be paid by ABSLMF to ABML / ABFL if you choose to execute a transaction with ABSLMF on the Website, unless otherwise agreed by you and ABML/ABFL separately. Information about ABML/ABFL, its businesses and the details of commission structure receivable from asset management companies to ABML/ABFL, are also available on their respective Website.
Similarly Aditya Birla Money Insurance Advisory Services Limited and Aditya Birla Insurance Brokers Limited are insurance intermediaries and engaged in the distribution of Insurance Products and it may services may include products of Aditya Birla Sun Life Insurance Company Limited and Aditya Birla Health Insurance Company Limited. However there is no conflict on these services and commissions if any payable are in accordance of the extant regulations.
The Facilities Provider, ABC Companies and any of its Third Party Service Providers shall not be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labour disputes, riots, insurrections, civil disturbances, shortages of labour or materials, fires, flood, storms, explosions, acts of God, war, earthquake, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.
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Governing Law and Jurisdiction
These Terms and Conditions are governed by and to be interpreted in accordance with laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. You agree, in the event of any dispute arising in relation to these Terms and Conditions or any dispute arising in relation to the Website whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located at Mumbai, India for the resolution of all such disputes.
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