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Jinal Mehta | Answer |Ask -Follow

Financial Planner - Answered on Mar 08, 2024

Jinal Mehta is a qualified certified financial professional certified by FPSB India. She has 10 years of experience in the field of personal finance.
She is the founder of Beyond Learning Finance, an authorised education provider for the CFP certification programme in India.
In addition, she manages a family office organisation, where she handles investment planning, tax planning, insurance planning and estate planning.
Jinal has a bachelor's degree in management studies. She also has a diploma in in financial management from NMIMS, Mumbai.
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Asked by Anonymous - Feb 20, 2024Hindi

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I am planning to buy insurance, my age is 38 and i am confused which one to buy, term plan, wealth, etc. Also please advise on Health Insurance and Pension plans. ( Could you please suggest any plan specific / company name ?) ( Family depended on me)

Ans: You can purchase a term plan from any good company and include your family in that. For health insurance , you can purchase a family floater. Both these policies will give you a decent coverage at lower premium.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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I am 47 year old businessman living in metro city. I have LICsterm insurance of Rs 25Lacs individually and Max lifes whole life participating insurance policy with accruesd death benefit of Rs 35lacs in keyman insurance policy in firm. I have 2 sons one 14 years and one 18 years old both studying. I have 2 2bhk old flats. Some business uncertainity is hanging around and health issues too. Shall I take more Term Insurance ? In which type of policies , I mean premuim with limited pay, pay till end, premium back , ulip etc. ? Please guide me and also explain me in detail . My wife has no cover. Shall I cover her too ? Thanks

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I am presuming that you are not occupying any of these flats.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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