Blog | True Funds & Insurance Marketing Private Limited. Contact Us | True Funds & Insurance Marketing Private Limited. Loans Against Property | True Funds & Insurance Marketing Private Limited. The loan against property is easy to avail from various banks and non-banking finance companies (NBFCs). The loan against property is not the same as property loan that you get as property mortgage. The loan against property is the loan that you get by pledging your existing property. The loan amount would be the certain percentage of the property value. The loan amount is offered at the 40% to 60% of the property value. The percentage of the loan will be decided by the lender. This is the best option when you don’t have any other option left for availing loan. Once you have selected the loan provider then you can apply online with us. What is Loans? | True Funds & Insurance Marketing Private Limited.
What is Loan? An arrangement in which a lender gives money or property to a borrower and the borrower agrees to return the property or repay the money, usually along with interest, at some future point(s) in time. Usually, there is a predetermined time for repaying a loan, and generally the lender has to bear the risk that the borrower may not repay a loan. There are Two Types of Loans?
Secured loans are loans which require the borrower to pledge an asset or security to avail the loan. Home loans and car loans are the most common examples of secured loans where the borrower will be required to pledge the vehicle or house to be purchased as collateral, which then become secured debt. In case the borrower defaults on their loan repayment, the lender has full right to take possession of the collateral/secured debt.
A secured loan is one of the best and assured sources of obtaining a high volume of funds. What are the types of secured loans, and the collateral required? What is Travel Insurance ? Type of Travel insurance | True Funds & Insurance Marketing Private Limited. Travel insurance can’t prevent travel trouble, but it can address the financial impacts of many common problems. Policies are sold for single trips or defined time-frames, typically one year, with the option to renew indefinitely. Like other forms of insurance, travel policies cover specific events up to predetermined coverage limits. Coverage limits determine policy premiums, which are paid upfront when the policy is purchased or on long-term policies’ renewal dates.
Covered risks and exclusions vary significantly by policy type, insurer prerogatives, and travel preferences, but typically include: Trip interruptions due to non-excluded eventsCancellations (entire trip or components thereof)Lost or delayed baggageCarrier or service provider failuresEmergency evacuations (due to physical perils and medical emergencies)Medical treatmentAccidental death (including transportation of remains)Accidental dismemberment (compensation for dismemberment caused by non-excluded incidents) Single vs. Financial Planning | True Funds & Insurance Marketing Private Limited. Financial Planning helps you in your Retirement | True Funds & Insurance Marketing Private Limited. Most people can expect more than 20 years of retirement nowadays. So how can you ensure that you’ll be able to make the most of this time, financially secure and able to enjoy life? What are the key things you should consider when planning your finances for retirement? Prepare to succeed.Write down how you are planning on investing for retirement.
This helps focus your mind on what you’re aiming to achieve and provides a roadmap for action. Our independent financial advisers can help you plan for retirement and get the most out of your investments. Pension Plans | True Funds & Insurance Marketing Private Limited. Retirement no more remains the time to retire from responsibilities and fun. People now opt to retire with grace and indulge in traveling and fun in their free time. The retirement period is considered to be the opportunity to indulge in all those activities which were not possible in corporate job routine. All this requires you to have enough money and hence proper savings is essential. You need to keep provision for retirement in such a way that you get pension equivalent to the salary even after retirement.
These pension plans must be availed at early age so that you can get better pension by paying lower premium. The pension plan is also available on payment of single premium. You can get the details of these pension plans from the official websites of the insurance companies. Balanced Funds | True Funds & Insurance Marketing Private Limited. What is a ‘Balanced Fund’ A balanced fund combines a stock component, a bond component and sometimes a money market component in a single portfolio. Generally, these hybrid funds stick to a relatively fixed mix of stocks and bonds that reflects either a moderate, or higher equity, component, or conservative, or higher fixed-income, component orientation. BREAKING DOWN ‘Balanced Fund’ Balanced funds are geared toward investors who are looking for a mixture of safety, income and modest capital appreciation.
The amounts this type of mutual fund invests into each asset class usually must remain within a set minimum and maximum. Although they are in the “asset allocation” family, balanced fund portfolios do not materially change their asset mix. Equities and Inflation Investors who have dual investment objectives favor balanced funds. Income Needs The bond component of a balanced fund serves two purposes: creating an income stream and tempering portfolio volatility. Business Loans | True Funds & Insurance Marketing Private Limited.
A business loan is similar to a personal loan, but is specifically designed for business use. With a business loan, you are lent a certain sum of money over a period of years, and the interest rate and monthly payments are fixed over the term. Some business loan providers offer access to short-term finance and may, for example, offer sums of up to £30,000 for up to a year. Others will allow you to borrow larger sums over a longer period. In addition, some providers specialise in small business loans, while others focus on start-up business loans for new businesses. What are the benefits of having a business loan? Business loans can help with cashflow, and help to tide you over when times are tough by offering access to short-term finance. Other loans can help you borrow over a longer period – if, for example, you need to pay for one-off business expenses, or to fund expansion plans.
With some lenders – known as “peer-to-peer” lenders, you can borrow from people, rather than from a bank. Equity Funds | True Funds & Insurance Marketing Private Limited. An equity fund is a type of mutual fund or private investment fund, such as a hedge fund, that buys ownership in businesses (hence the term "equity") most often in the form of publicly traded common stock. Other times, the ownership is the form of so-called private equity, which is when the equity fund invests in privately held companies that aren't traded on the stock market. Equity Funds Focused on Investing Style Private Equity Funds are those that invest in privately held companies that don't trade on the stock market. Cancer Plan | True Funds & Insurance Marketing Private Limited. Term Plans | True Funds & Insurance Marketing Private Limited. Term insurance is the cheapest insurance as compared to other life insurances.
This policy covers you for certain period of time or specified terms of the years at very low premium. You will get all benefits of any life insurance product for particular period. You have lot of options to choose proper policy as per your requirement and budget. Though premium is low with this policy, but it varies as per your age and period of the policy. Premium is less for younger age and more for old age as well as you have to pay more for short period as compared to long period.
You will get specific amount after maturity of the policy. If you will die during policy period your nominees will get fixed amount which is non-taxable. Term insurance is especially beneficial for young age people who have many dependants on them. Term insurance policy offers quick settlement in case of sudden death of owner of policy. Personal Accident | True Funds & Insurance Marketing Private Limited. Due to changing traffic scenario, the fear of accident is becoming very common for rider as well as the pedestrians.
In the event of accident person may lost his life or get injured very badly. Hence, accident insurance is must for every vehicle owner to cover injuries due to an accident. You will get cash cover for an accident and insurance company will pay for hospital as well as medical bills. If person dies due to an accident, his nominees or family members will get cash benefits. You will also get monthly payment when you are hospitalized. Accident insurance policy comes for all categories and professions such as individuals, group, team, self employed, professional and travel accidents. Accident insurance policy offers easy claim settlement process with minimum documentations. Critical Illness | True Funds & Insurance Marketing Private Limited. Critical illness insurance plan protects you against the risk of serious illness.
This type of insurance plan is specially design for very serious illnesses such as kidney failure, a major organ transplant or any other terminal illness that requires huge money for the treatment. This insurance policy covers you for all medical as well as surgical expenses including hospital expenses. If policy holder is diagnosed with any of listed illness in the policy, then he will get all expenses or sum assured as per policy terms.
All major insurance providers offer this policy with different options. List of covered illness varies from insurer to insurer. Critical illness insurance policy come with lot of benefits such as competitive premium rates as well as income tax exemption on premium paid. Critical illness insurance offers efficient and effective settlement process. Medi-Claim | True Funds & Insurance Marketing Private Limited. The medical treatments for any kind of illness, accident or even the health consultations are getting out of reach of common man these days. The unexpected illness or accident will create too much of financial burden on the common man. The cost of hospitalisation, surgical expenses, cost of medicines and the rent for the other medicalfacilities will turn out to be unaffordable in case of unforeseen illness.
The Health Insurance is therefore the ideal pick for everyone. The health insurance must be availed for the assured sum equal to the annual income of the applicant or up to Rs.5 lakhs whichever is lesser. The health insurance taken at the early age when there is no pre-existing disease will cover you against all type of diseases even in the later stage of your life. We will help you to get all the quotes at one place. Medi-Claim | True Funds & Insurance Marketing Private Limited. Home/Office Insurance | True Funds & Insurance Marketing Private Limited. Office insurance is quite popular insurance of today’s time. This insurance is often availed by the small and big offices to protect their interests against any type of future contingencies. The offices are covered comprehensively under this policy and no separate cover is required for each situation. The offices of real estate agents, travel agencies and many such offices are safely covered under this policy.
While taking office insurance policy, you have to read the terms and conditions mentioned in the policy. You have to also see what your policy covers as well as what it does not cover. Normally every insurance policy will provide cover in case of losses to the contents and for the building also. These losses include fire, lightening, strike, riot, cyclone, storm, terrorism and flood. However, the terms and conditions as well as the types of covers vary from company to company. Fire Insurance | True Funds & Insurance Marketing Private Limited. The fire insurance is required by all businesses as well as residents for mitigating risk in terms of loss occurring from fire accidents. Often fire insurance is part of property insurance, but it is not always true. One has to be careful in ensuring that the fire insurance is the part of property insurance. Fire insurance is very important in some properties where fire hazards are very prone, such as the industrial sectors dealing with petrochemicals.
Even paints are very prone for fire hazards, thus it become very important for property owner to ensure fire insurance for their property. The premium paid on the Fire insurance depends on many factors which include assured money, the environment in which property is located as well as operational safety precautions available with property. Almost all the insurancecompanies will provide cover against fire but the policy of every insurance company will be different.
Travel | True Funds & Insurance Marketing Private Limited. Have you ever thought of the problems that may come in your way while you are travelling out of your country or some other unknown place? It may happen that your baggage may get lost on the way. The theft of foreign currency may also cause a big blow on your touring plan. It may also happen that any of your family member or friend accompanying you on the trip may fall ill on the way. The medical expenses in the foreign country will take a toll on your pocket if you are not having sufficient cover. Thus, to meet all these unforeseen circumstances travel insurance is the right choice. The travel insurance will take care of all kind of problems that may arise due to man-made or natural calamities at the time of your travel. Car Insurance | True Funds & Insurance Marketing Private Limited. Two Wheeler Insurance | True Funds & Insurance Marketing Private Limited.
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