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	<title>Rupeetalk-Personal Finance Blog &#187; Insurance</title>
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	<link>http://www.rupeetalk.com/blog</link>
	<description>Personal Finance blog</description>
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			<item>
		<title>How cap on ULIP charges would affect the returns on Life Insurance Policy</title>
		<link>http://www.rupeetalk.com/blog/cap-ulip-charges-affect-returns-life-insurance-policy/</link>
		<comments>http://www.rupeetalk.com/blog/cap-ulip-charges-affect-returns-life-insurance-policy/#comments</comments>
		<pubDate>Mon, 03 May 2010 05:14:09 +0000</pubDate>
		<dc:creator>rosita</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[ULIP]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=1006</guid>
		<description><![CDATA[
			
				
			
		
IRDA has put a cap on charges assosiated with unit linked insurance plan which use to consume a large amount of the insurance premium.
Investor stand to benefit as reduction in expenses mean higher available corpus for investment. Here is an illustration which quantifies the benefit.
Old Method
Arun, 29 years, has bought an ULIP with tenure of [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/cap-ulip-charges-affect-returns-life-insurance-policy/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>LIC Jeevan Anand &#8211; Review</title>
		<link>http://www.rupeetalk.com/blog/lic-jeevan-anand-plan-review/</link>
		<comments>http://www.rupeetalk.com/blog/lic-jeevan-anand-plan-review/#comments</comments>
		<pubDate>Thu, 07 Jan 2010 11:26:26 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Fixed Income]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[Money management]]></category>
		<category><![CDATA[Monthly income plan]]></category>
		<category><![CDATA[Mutual Fund]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[additional accident cum disability benefit]]></category>
		<category><![CDATA[Endowment Assurance]]></category>
		<category><![CDATA[Endowment Plans]]></category>
		<category><![CDATA[Jeevan Anand]]></category>
		<category><![CDATA[LIC Jeevan Anand]]></category>
		<category><![CDATA[LIC Jeevan Anand Review]]></category>
		<category><![CDATA[Royal Sundaram Accident Shield]]></category>
		<category><![CDATA[SBI Life Shield]]></category>
		<category><![CDATA[Whole Life Plan]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=806</guid>
		<description><![CDATA[Endowment plans were the darling of insurance companies, before ULIPs came into the picture. Over the years they might have lost their top slot but are not out of demand; conservative investors still prefer them for their survival benefits, which are missing in term plans. ‘LIC Jeevan Anand’ is one such popular endowment assurance plan which also comes with whole life benefits. ]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/lic-jeevan-anand-plan-review/feed/</wfw:commentRss>
		<slash:comments>54</slash:comments>
		</item>
		<item>
		<title>Best of 2009 – ULIP Funds</title>
		<link>http://www.rupeetalk.com/blog/2009-ulip-funds/</link>
		<comments>http://www.rupeetalk.com/blog/2009-ulip-funds/#comments</comments>
		<pubDate>Tue, 29 Dec 2009 10:28:08 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[Money management]]></category>
		<category><![CDATA[Mutual Fund]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Best Insurance]]></category>
		<category><![CDATA[Best Ulip]]></category>
		<category><![CDATA[Best ULIPS]]></category>
		<category><![CDATA[Best ULIPS 2009]]></category>
		<category><![CDATA[Mutual Funds]]></category>
		<category><![CDATA[Top Performing Ulips]]></category>
		<category><![CDATA[Ulip Funds]]></category>
		<category><![CDATA[Ulips]]></category>
		<category><![CDATA[Unit Linked Insurance Products]]></category>
		<category><![CDATA[Unit Linked Plans]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=771</guid>
		<description><![CDATA[Year 2009 turned out to be a significant year for many reasons. The Indian investor ushered in the year with the country's economy still reeling under the effects of sub-prime crisis that engulfed global economies and led to the fall of giants like Lehman Brothers. At home front too the signs were not positive. Satyam fraud scandal shocked everyone, putting a question mark on the credibility of the country's tech services industry. But slowly and steadily, things changed for the better. The government along with the Reserve Bank of India helped with their monetary and fiscal policies. The faith in Satyam was somewhat restored by employing some tough measures, including a gradual leadership change. ]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/2009-ulip-funds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Birla SunLife Dream Plan – Review</title>
		<link>http://www.rupeetalk.com/blog/birla-sunlife-dream-plan-review/</link>
		<comments>http://www.rupeetalk.com/blog/birla-sunlife-dream-plan-review/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 11:03:35 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[Money management]]></category>
		<category><![CDATA[Mutual Fund]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[Birla Sunlife]]></category>
		<category><![CDATA[Birla Sunlife Dream Plan]]></category>
		<category><![CDATA[Birla Sunlife Dream Plan Review]]></category>
		<category><![CDATA[BSLI Dream Plan]]></category>
		<category><![CDATA[Dream Plan]]></category>
		<category><![CDATA[GMB]]></category>
		<category><![CDATA[GMO]]></category>
		<category><![CDATA[Guaranteed Maturity Benefits]]></category>
		<category><![CDATA[Guaranteed Maturity Options]]></category>
		<category><![CDATA[ULIP]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=725</guid>
		<description><![CDATA[
			
				
			
		
Birla SunLife Dream Plan is a unit-linked insurance plan (ULIP) that provides the double benefit of higher sum assured and guaranteed maturity benefit at a cost lower than the traditional term plan. In addition, it does not carry any premium allocation charges (PAC), probably the only plan in the market with a no-load structure, albeit [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/birla-sunlife-dream-plan-review/feed/</wfw:commentRss>
		<slash:comments>44</slash:comments>
		</item>
		<item>
		<title>LIC Jeevan Saral – Review</title>
		<link>http://www.rupeetalk.com/blog/lic-jeevan-saral-review/</link>
		<comments>http://www.rupeetalk.com/blog/lic-jeevan-saral-review/#comments</comments>
		<pubDate>Wed, 09 Dec 2009 11:23:09 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Fixed Income]]></category>
		<category><![CDATA[Income Tax]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[Monthly income plan]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[endowment assurance plan]]></category>
		<category><![CDATA[Equity Mutual Funds]]></category>
		<category><![CDATA[Golden Peacock Innovative Product/Service Award 2009]]></category>
		<category><![CDATA[Jeevan Saral]]></category>
		<category><![CDATA[jeevan saral review]]></category>
		<category><![CDATA[LIC Jeevan Saral]]></category>
		<category><![CDATA[lic jeevan saral illustration]]></category>
		<category><![CDATA[LIC Jeevan Saral policy]]></category>
		<category><![CDATA[LIC Jeevan Saral Review]]></category>
		<category><![CDATA[Maturity Sum Assured]]></category>
		<category><![CDATA[PPF]]></category>
		<category><![CDATA[Recurring Deposits]]></category>
		<category><![CDATA[SIP]]></category>
		<category><![CDATA[Systematic Investment Plan]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=713</guid>
		<description><![CDATA[Being a disciplined investor pays off in the long run. For example, those investing in equity mutual funds through Systematic Investment Plans (SIPs) or debt instruments such as post office or bank deposits through recurring plans reap richer benefits in the form of higher growth and returns. However, maturity benefits in these plans remain limited to the returns assumed and to the total instalments paid in case of the unfortunate event of death. ‘LIC Jeevan Saral’ – an innovative offering by Life Insurance Corporation of India – takes care of this point. The endowment assurance plan provides not only financial protection in terms of death benefit throughout the term but also long-term capital growth. One of the unique features of the scheme is it provides risk coverage to the extent of 250 times the monthly premium. No wonder, it helped LIC win the Golden Peacock Innovative Product/Service Award 2009.]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/lic-jeevan-saral-review/feed/</wfw:commentRss>
		<slash:comments>60</slash:comments>
		</item>
		<item>
		<title>12 basic finance principles a woman should know</title>
		<link>http://www.rupeetalk.com/blog/12-basic-finance-principles-woman/</link>
		<comments>http://www.rupeetalk.com/blog/12-basic-finance-principles-woman/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 12:07:43 +0000</pubDate>
		<dc:creator>Sushama Dwivekar</dc:creator>
				<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[Health insurance]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Personal Loan]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[general insurance]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[personal accident insurance]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=697</guid>
		<description><![CDATA[
			
				
			
		

Most women have come a long way. In the life that they lead, in the careers that they follow, in the responsibility they shoulder, in the roles that they play, both in the world, and as part of the family. But, when it comes to the basics of finance, women seem to be on a [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/12-basic-finance-principles-woman/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>ICICI Prudential Pinnacle Guaranteed NAV- Review</title>
		<link>http://www.rupeetalk.com/blog/icici-prudential-pinnacle-guaranteed-nav-review/</link>
		<comments>http://www.rupeetalk.com/blog/icici-prudential-pinnacle-guaranteed-nav-review/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 12:22:24 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[ELSS]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[Mutual Fund]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[Fixed Deposit]]></category>
		<category><![CDATA[Guaranteed NAV]]></category>
		<category><![CDATA[Guaranteed Return]]></category>
		<category><![CDATA[ICICI Pru Pinnacle]]></category>
		<category><![CDATA[ICICI Pru Pinnacle Review]]></category>
		<category><![CDATA[ICICI Prudential Pinnacle Fund]]></category>
		<category><![CDATA[ICICI Prudential Pinnacle Review]]></category>
		<category><![CDATA[Invest Assure]]></category>
		<category><![CDATA[NAV]]></category>
		<category><![CDATA[Pinnacle Fund]]></category>
		<category><![CDATA[Platinum Plus]]></category>
		<category><![CDATA[Smart ULIP]]></category>
		<category><![CDATA[ULIP]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=650</guid>
		<description><![CDATA[Guaranteed return products are undoubtedly very popular among us Indians. We use at least one of these products, say, bank deposits, NSC, KVP, PPF, REC Bonds, etc., to pick up a decent fixed return. For long, the market was dominated by the government-backed guaranteed return products, but now private players have entered the fray to give them a stiff competition. Sensing the money-making opportunity, private players have experimented with capital protection plans and market-linked guaranteed return plans. The latest offering is by ICICI Prudential which has introduced ICICI Pru Pinnacle, a guaranteed return unit-linked insurance plan (ULIP). But the question remains as whether this plan will succeed in attracting investors by offering something new or fall flat.]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/icici-prudential-pinnacle-guaranteed-nav-review/feed/</wfw:commentRss>
		<slash:comments>41</slash:comments>
		</item>
		<item>
		<title>7-point guide to find a good insurance agent</title>
		<link>http://www.rupeetalk.com/blog/seven-point-guide-to-find-a-good-insurance-agent/</link>
		<comments>http://www.rupeetalk.com/blog/seven-point-guide-to-find-a-good-insurance-agent/#comments</comments>
		<pubDate>Thu, 12 Nov 2009 08:52:29 +0000</pubDate>
		<dc:creator>Sushama Dwivekar</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Agent commission]]></category>
		<category><![CDATA[good insurance agent]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[Life Insurance agents]]></category>
		<category><![CDATA[Life insurance agents commision]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=631</guid>
		<description><![CDATA[
			
				
			
		

Insurance is an area where most mis-selling of products takes place in the country, and the root cause of this problem is the commission of insurance agents. Every year, insurance companies and insured persons lose a big chunk of their premium in paying distribution costs, including agents’ commission.
By selling single-premium products an agent earns a [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/seven-point-guide-to-find-a-good-insurance-agent/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>MetLife&#8217;s Monthly Income Plan &#8211; Review</title>
		<link>http://www.rupeetalk.com/blog/met-monthly-income-plan-worth-investing/</link>
		<comments>http://www.rupeetalk.com/blog/met-monthly-income-plan-worth-investing/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 10:59:35 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[Monthly income plan]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[LIC Jeevan Akshay VI]]></category>
		<category><![CDATA[MetLife]]></category>
		<category><![CDATA[metlife guaranteed monthly income plan review]]></category>
		<category><![CDATA[Metlife MIP]]></category>
		<category><![CDATA[MetLife Monthly Income Plan]]></category>
		<category><![CDATA[MIP]]></category>
		<category><![CDATA[Post Office Monthly income scheme]]></category>
		<category><![CDATA[product reviews]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=575</guid>
		<description><![CDATA[
			
				
			
		

Given the uncertainties caused by the volatile economic conditions, people look for a product that guarantees a regular monthly income for a longer period. Monthly Income Plans (MIPs) fit the bill. While some invest in MIPs for a regular income, others look at them from asset allocation perspective. The various agencies offering MIPs in India [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/met-monthly-income-plan-worth-investing/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>Swine flu: Do you have a health cover?</title>
		<link>http://www.rupeetalk.com/blog/swine-flu-health-cover/</link>
		<comments>http://www.rupeetalk.com/blog/swine-flu-health-cover/#comments</comments>
		<pubDate>Fri, 14 Aug 2009 12:14:12 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Health insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[swine flu]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=459</guid>
		<description><![CDATA[
			
				
			
		
Call it the irony of mankind’s interference with nature or the failure of science, the mistakes we committed in the past are back to haunt us in the form of dreadful diseases such as plague, rabies, anthrax, smallpox and the latest swine flu. The saying ‘It’s a small world’ seems relevant here as the airborne [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/swine-flu-health-cover/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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