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Life insurance can be overwhelming, but these 4 essential tips will help you start smart. From getting insured young to avoiding expensive policies, future-proof your coverage and protect what matters most. Watch to learn more!

The Guide To Life Insurance For Young Professionals | 4 Hacks That Actually Work

Life insurance can be overwhelming, but these 4 essential tips will help you start smart. From getting insured young to avoiding expensive policies, future-proof your coverage and protect what matters most. Watch to learn more!

Another paycheck just landed in your account! But before you plan that weekend getaway, here's a reality check that could save your family's future...
Hey there, future planners! Today we're talking about something your Instagram feed won't tell you about - but trust me, your future self will thank you for watching this.
Let's cut through the confusion and break down the FOUR essential things you need to know about life insurance when you're just starting your career. And stick around - number three might surprise you!
The first thing that&rsquo;s very important when it comes to life insurance is the age game. As is with investing, even with life insurance starting young could be your superpower.
Here's what most people don't realise - every year you wait, your premiums go up by as much as 8 to 10 percent.
The second most important factor to keep in mind when deciding on your insurance cover is to avoid both underinsurance and over-insurance. But how do you determine the ideal sum insured for yourself?
Well, there&rsquo;s a simple formula for it&mdash;according to personal finance experts, your sum insured should be ten times your annual income plus any outstanding debt. If you're starting at a younger age, aim for 14 to 15 times your annual salary.
The third and most vital factor when deciding on your life insurance is to avoid the hidden trap of fancy policies. In fact, this is where insurance agents don&rsquo;t want me to spill the beans.
Many of us fall into the trap of viewing life insurance as an investment. However, most experts worth their salt will tell you that mixing investment with insurance often backfires.
Therefore, personal finance experts recommend opting for term insurance instead of other, more complex policies.
And now the last factor &ndash; you must ensure that your life insurance policy evolves with your changing needs. Many people overlook the fact that your life insurance should grow and adapt as your life circumstances change.
One way to achieve this is through convertibility options, which allow you to convert term insurance into a permanent policy without needing a medical exam, offering flexibility as your financial situation improves.
Additionally, explore riders that can add valuable coverage, such as critical illness or disability riders. You also must verify that your policy includes features like inflation protection, waiver of premium, and renewability, ensuring that you&rsquo;re truly future-proofing your policy.
Here's the bottom line - you don't need to be a financial guru to get this right. Start small, start early, and protect what matters.
Tell us in the comments if this saved you from making an expensive mistake! And don't forget to hit subscribe for more real talk about your money.

The Bharti group which has been looking to exit the insurance business and focus on telecom sector is in advanced talks with SBI Life and others to sell its wholly owned life insurance venture Bharti AXA Life Insurance

Bharti Group may sell insurance business; advanced talks going on with SBI Life, others: Report

Bharti Group to sell insurance business; advanced talks going on with SBI Life and others

<h2>The Bharti group which has been looking to exit the insurance business and focus on telecom sector is in advanced talks with SBI Life and others to sell its wholly owned life insurance venture Bharti AXA Life Insurance</h2>

Bharati group which has been looking to sell its insurance business is in advanced talks with SBI Life and others, reported The Economic Times. As per the report, the group is planning to sell its now wholly owned life insurance venture Bharti AXA Life Insurance.
<h3>Bharati group insurance business</h3>
The group acquired its joint venture partner AXA Group&rsquo;s 49% stake in the life insurance business in October 2023. This after attempts by Hinduja Group and Abu Dhabi Investment Authority (ADIA) to acquire AXA&rsquo;s stake in the life insurance venture failed. Bharti and the French insurer had formed two joint ventures in 2006, with the Indian partner holding 74% stake in both Bharti AXA Life Insurance and Bharti AXA General Insurance.
Also Read: <a href="https://www.editorji.com/business-news/budget/budget-2024-ayushman-bharat-health-insurance-cover-may-be-doubled-to-rs-10-lakh-1705497221918">Budget 2024: Ayushman Bharat health insurance cover may be doubled to Rs 10 lakh</a>
The Economic Times report quoted a source and said that Bharti has been looking to exit the insurance business to focus on Telecom after the acquisition. The group has already sold the general insurance business to ICICI Lombard by way of merger when AXA exited the company.
Bharati AXA has a market share of 2% in terms of premium in the life insurance sector. The equity share capital of the company stood at Rs 3,706 crore as of March 31, 2023.
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The government has flagged six major issues in the insurance sector, that is leading to a huge amount of consumer complaints, and urged the insurance regulator to address these issues. 

Govt asks IRDAI to reduce pendency of insurance related consumer cases

The government has flagged six major issues in the insurance sector, that is leading to a huge amount of consumer complaints, and urged the insurance regulator to address these issues.&nbsp;

The government has flagged six major issues, including ambiguity in insurance contracts and inflexible policy terms, before regulator IRDAI and other stakeholders, and urged them to address those to reduce the huge pendency of consumer cases. Currently, more than one-fifth of the total consumer complaints are pertaining to the insurance sector across the country.
The other issues raised before the key stakeholders include lack of powers delegated to representatives of insurance companies to take decisions during out-of-the-court settlements, agents not sharing full policy documents with consumers at the time of signing of policy, repudiation of claims on the basis of pre-existing diseases and crop insurance claims tied up with a central scheme which is not flexible, it said.
"We have raised these concerns before IRDAI and other stakeholders. We are hopeful that the insurance companies will address them voluntarily. If the need arise we will also request the regulator to make it mandatory," Consumer Affairs Secretary Rohit Kumar Singh told the media.&nbsp;
He said there is huge pendency in consumer cases related to the insurance sector across the country because of these issues.
"As the industry seeks to achieve 8 per cent penetration, it is critical that we put in place the building blocks to avoid a significant build-up of complaints," he added.
The Secretary asserted that consumer cases can be reduced if the insurance policy terms and conditions are made simpler, clear and in understandable language. It is also important to create awareness among consumers that they should not sign the policy document without properly understanding terms and conditions of the policy.
According to the Consumer Affairs Secretary, out of 5.53 lakh pending cases in consumer courts across the country, about 1.61 lakh cases are related to the insurance sector.
A maximum of 80 per cent of cases are pending in district consumer courts, 17 per cent in state consumer courts, and 3 per cent at national consumer commissions, he said.
"We want to settle a lot of litigations through mediation. However, the representatives of the insurance companies are bound by the restriction and not delegated proper powers to take a decision. We are requesting the companies to delegate powers to them so that cases are resolved expeditiously," he said.
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