Regulatory intervention, high inflation cripple insurance industry

The agent count at Reliance Life Insurance has fallen 26,000, or 8% to 1.24 lakh at the end of March 31, 2013 since 2012 when it sold a 26% stake to Nippon Life which valued the company at three times its embedded value. In January this year, INGGroup of the Netherlands sold 26% stake at a 25% loss to its JV partner ExideBSE 1.28 %after a decade-long battle trying to make sense out of the Indian Life Insurance marke That simply is the tale of sliding fortunes of the Indian life insurance industry which until a few years ago was considered to be a sunrise industry promising decades of uninterrupted growth and loads of profits for shareholders  http://www.myallagents.com/Regulatory-intervention-high-inflation-cripple-insurance-industry/details.html

How to evaluate a Pension Plan

There are many options available to an individual intending to plan for his retirement. Be it PPF, ULIP, NSC’s etc. Most retirement options fall into two categories,-those which promise a fixed assured return and those, like pension plans, which offer non-assured returns. There are very few retirement planning options available in mutual funds. At present, two funds, UTI Retirement Benefit Plan and Kothari Pioneer Pension plan fill the retirement mutual fund void. Both these schemes come equipped with Section 88 benefits and are therefore, on this count, at par with other retirement planning options like PPF, PF etc. Both the UTI Retirement Benefit Plan (RBP) and Kothari Pioneer Pension Plan (KPPP) allow the investor to plan for retirement, making it possible for him to receive regular income after retirement. Before an investor goes in for a retirement plan he needs to evaluate its various basic parameters: 
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Equity Markets

What drives an investor to buy a stock? Is it the fundamentals? The technicals? A combination of the two? Well I'm not quite certain anymore. You can basically throw all of the textbook answers out the window when it comes to today's equity markets. Why do I say that? Because I believe that the only thing that is driving this market is the notion that the government is going to bail out everyone and their brother.  
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Buying Life Insurance

1. Buying Life Insurance

Conventional wisdom says that life insurance is sold, not purchased. In other words, some people are reluctant to discuss the importance of owning life insurance, and others are simply unaware of the need to have life insurance. Although many large companies provide life insurance as part of their benefits package, this coverage may be insufficie

Who needs life insurance? If there are individuals who depend on you for financial support, or if you work at home providing your family with such services as child care, cooking, and cleaning, you need life insurance. Older couples also may need life insurance to protect a surviving spouse against the possibility of the couple's retirement savings being depleted by unexpected medical expenses. And individuals with substantial assets may need life insurance to help reduce the effects of estate taxes or to transfer wealth to future generations 

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Are life insurance quotes useful?

The life insurance quotes refer to the rates of life insurance policies. However these rates vary from company to company and from policy to policy. Though there many sources for information about the quotes it is better to collect from the company itself. If you can collect from more companies, well and good as it gives competitive edge. Read more from the article on insurance quotes.The article covers
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