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Investors should always keep in mind that the most important metric is not the returns achieved but the returns weighed against the risks incurred. Ultimately, nothing should be more important to investors than the ability to sleep soundly at night.

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Dilshad is by far, amongst the best investment consultant and advisor I have met. Extremely competent, well -informed, transparent and customer-need focussed, her interaction style makes all the difference.

Dilshad has the rare ability to assess the perfect mix of investment options depending on each individiuals requirement and vision, all with a professional yet friendly approach.

I would recommend Dilshad's services to anyone who is seeking sensible, well- informed investment advice while enjoying the benefits of being serviced by a super efficient and adaptive thinking investment consultan whose prime focus is in ensuring growth, stability and relevancy for your investment mix.

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5 Questions To Ask Your Life Insurance Advisor Before You Buy (BusinessWorld)

Has your Advisor evaluated the need for this particular policy in light of your existing policies? Be sure to check that your Advisor isn’t just ‘selling’ you a policy blindly.

If only we had a rupee for every time someone bought a Life Insurance policy without fully understanding its features, we’d surely be millionaires by now! The next time you decide to add to your Life Insurance portfolio, make sure you ask your Advisor these 5 questions before you sign above the dotted line.

Do I really need this insurance policy?
Has your Advisor evaluated the need for this particular policy in light of your existing policies? You might already be sufficiently covered – in which case you may be better off investing this money elsewhere. The best approach is to arrive at a “Human Life Value” for yourself, and build yourself up to that level of life cover. Be sure to check that your Advisor isn’t just ‘selling’ you a policy blindly.

Dilshad Billimoria CFP, Director at Bengaluru based Dilzer Consultants believes that the role of an Insurance Advisor extends well beyond just ‘selling’ policies. “A true financial advisor, who works in the fiduciary capacity of the client, will do an analysis of the existing policies that a client brings as baggage and provide advice on how to proceed, by doing calculations of the cost benefit analysis of keeping, making the policy paid up or withdrawing the policy”, she said.
In another scenario, you might just be part of the minority group of people who don’t need Life Insurance at all. Say, in case you are a non-earning person whose dependents will not be impacted financially due to an unfortunate loss of life, you really don’t need an insurance policy. Divert the money to higher yielding instruments instead.

 
What kind of policy is this – traditional, unit linked, or pure term?
Although no two policies look quite alike when you compare their brochures, they essentially will fall into one of the above categories once you look closely enough. You’d be surprised to know that most people buy life insurance without even knowing what kind of policy they are buying! Knowing might just influence your decision to buy the policy or not, so please ask your Advisor this question. Traditional policies tend to be safer, with a lower return. Unit linked policies tend to be higher risk (depending upon the fund mix chosen) and have lots of associated charges. Term plans give you nothing back in the end, but offer you the best bang for your buck when it comes to upping your life cover. All three solve fundamentally different needs.

Billimoria is of the opinion that many clients end up buying policies for the wrong reasons, and hence do not take out the requisite time and efforts to understand them fully. “For example, ‘my father’s boss is an LIC agent and I’m obliged’, or ‘my father thinks insurance is the best investment for me for the future’. Or ‘I did this insurance for tax savings under Sec 80 C or the LIC agent showed by a ULIP policy and told me my money will double in 3 years!’ All these are baseless promises and the brunt of mis-selling falls on the client. He/ she has no clue as to how to proceed and so simply keeps paying the premiums”, observes Billimoria.

What is the ‘death benefit’ associated with this policy?
This might sound like a no brainer, but remember that you’re buying the policy primarily so that your family doesn’t suffer financially in the event of your unfortunate death. Most Advisors will tend to avoid talking about the death benefit (when they’re selling you a traditional plan or ULIP), as it’s not exactly the brightest feature of that kind of policy! But if it’s not solving the problem that it’s meant to, why opt for it?

Billimoria agrees that the Death Benefit is the single most important criterion to be considered when considering the purchase of a Life Insurance policy. She says, “Death Benefit is the most important part of life insurance. It is the very purpose or objective of taking life insurance and the best way to cover oneself is through term plans where the cost to life cover benefit is the most economical and beneficial to the client.”

How many premiums do I need to pay, and what happens if I stop paying my premiums?
Some policies require you to pay a single premium, some require you to pay 5, and some require you to pay 15. Some policies can be re-instated easily when they lapse after you stop paying, and some cannot. Just ensure you know the nuts and bolts of the one you’re about to buy.

What is the likely “claim settlement ratio” for this insurer?
An important question if there ever was one! This essentially means – in case of your unfortunate death, what are the chances that the insurance company will actually pay up? 98%? Great! 67%? Reconsider your decision.

Billimoria is of the opinion that the ‘percentage way’ of calculation does not portray actually how many claims were rejected in absolute number terms. “For example, if the number of claims rejected in a year, are more; and the Claim Settlement ratio is high, it does not mean the company has a good claim settlement ratio, because the number of claims rejected are also high, with the base of more clients having joined”, she says. Therefore, one should aim to look at the holistic picture, when evaluating the claim settlement ratio of a particular Life Insurance company.

 

Article is published here http://goo.gl/jnePqU

 

 

 

 

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“I am yet to come across a more thorough professional thatn Dilshad....and her knowledge of the financial markets is exceptional. Her insights are valuable, and she makes sure that your money is treated the same way as she would treat hers....
It was nice meeting you today regarding the discussion we had. Your suggestions had helped us to see the things in a better way through all the clutter and has made it easier for us to take certain decisions. We really appreciate your approach of listening to your clients, guiding them towards thei...
I have known Dilshad since 1984 through his father who was not only professionally connected, but also we lived as neighbors.\n\nDilshad has been a brilliant person right from her school/college days. She has been carrying out the Financial Advisory Service assignment that she took after her studies i...
Dilshad is a through professional and a true leader in her field of financial consulting. I have been working with her last 5 years and truly impressed with her depth of knowledge both for mutual funds and investment market at a macro level. She meticulously works with her clients to help them move ...
\"Dilshad is a meticulous, diligent and highly efficient Financial Planner. She is extremely knowledgable about all financial aspects and developments. The service she has provided us has been consistently good and useful. It also helps that she is easily accessable for any query.\"...
“Trusting one\'s investments with a financial planner is always a tricky choice - My investment choices were haphazard - to say the least - till I met Dilshad. Over last 5+ years, I have received a candid advise from her She is mild mannered - but well read in her field of business. Very sensitive ...
Dilshad is an excellent financial planner - I appreciate the personalised attention, she\'s always available to assist and explain the finer points of planning that I often miss. I also appreciate the frequent information she gives us through mailers. Helps make informed choices.  Thanks Dilshad!...
We have used Dilshad\'s services over the last one year and have been very happy with the outcomes. I have found her to be very professional and thorough in her approach, she makes time to fully explain the details when ever I have had any questions or needed clarity on any of her recommendations. Sh...
\"Dilshad has been extremely watchful about my investment portfolio into MFs and has always been recommending necessary changes only if and when needed, in my best interest. Extremely dedicated and self driven to help safe-guard the interests of her clients. Very professional in her work.\"\nNovember 3...
I had done a few planning exercises in the past, where the consultant had taken my inputs on my goals and the timelines. This was the first time that the the data gathering exercise was so comprehensive. Just going through the process forced me to clear my thinking about my objectives, and also brou...
“I have been investing with Dilshad for well over 5 years now. My experience suggests that Dilshad is a very good financial advisor for people with long term investing aspirations and very little time to investigate Mutual Funds, track them & do other associated paperwork. Every fund recommend...
“Dilshad is a very knowledgeable and talented financial adviser. Dilshad offered wonderful personalized financial investment advise and assistance. She guided me whenever I called her with a financial problem. Shares, insurance, mutual funds, and whatever financial product it may be, she will be t...
“I know Dilshad professionally (my financial advisor ) for the past 6 years. I always trust her recommendations and instincts.”...
\"Dilshad is a sincere, hard working lady, who gives great importance to my queries, helps me out in my financial planning, thereby give good valuable advise in my finance managment\"...
\"I have been taking her support in Financial services in Mutual funds and Insurance for the last 13 years. She has responded very well to my needs and taken good care of the investments.She is so good that I continue to use her support.\"...
I would like to express my appreciation for the thoughtful financial guidance I received from you. As a military family pensioner, I was not sure how to allocate my pension fund for my needs. Your sound advice eased my anxiety by clarifying my financial position with regard to my savings, expenses a...
\"I know Dilshad for over 11 years and she is the one who is guiding me in all my financial investments. Her versatility about the market gives her that competitive edge... I would say she is very genuine...thinks in line with the client requirement…approaches the business in a very professional wa...
Dilshad is a committed professional who works with her clients to help them meet their goals. Her investment in improving her skill sets to service her clients better gives one the confidence of being in good and safe hands. She has her ears to the ground and provides sound and balanced advise to he...
\"Dilshad has always given great advice. she is very professional and on time. She always talks sense. would recommend her to anyone.\"\r\nService Category: Finacial Advisor\r\nYear first hired: 2005 (hired more than once)\r\nTop Qualities: Expert, Good Value, High Integrity...
\"Dilshad is an expert financial planner who has an eye for detail and is very personable. She take meticulous care of the requirements and is extremely competent in her financial planning skill. Having known her for the last ten years I have no hesitation in recommending her and her team at all.\"...
\"Dilshad has been our family financial advisor for several years now – and we have been satisfied clients\nHer detailed retirement planning has been valuable in understanding investing for long term.\nWe’ve also benefited from her advice on diversifying investments across various categories.\nDilsh...
\"I have known Dilshad since 1984 through his father who was not only professionally connected, but also we lived as neighbors. Dilshad has been a brilliant person right from her school/college days. She has been carrying out the Financial Advisory Service assignment that she took after her studies i...
Dilshad is a brilliant professional. Her promptness at expediting work issues is worth recommending. I would recommend her professionalism to whoever appreciates hard work with intelligent knowledge at financial planning.\r\n\r\nFebruary 20, 2013, Firdaus was Dilshad\'s client\r\n\r\nAircraft Maintenance Eng...
For over a decade now Dilshad has been my Investment Consultant guiding me on my investments, especially Mutual Funds. I have followed her sound advice and acted on her timely inputs provided thru regular updates, alerts and newsletters and watched my investments grow at a steady and healthy pace. S...
“Dilshad is by far, amongst the best investment consultant and advisor I have met. Extremely competent, well -informed, transparent and customer-need focussed, her interaction style makes all the difference. Dilshad has the rare ability to assess the perfect mix of investment options depending on ...
“Dilshad is intelligent,highly focused,to the point and always ahead of time in term of her financial advisory and makes your feel involved & comfortable to take decisions with her elegant charm & personality. She always stands by you & facilitates right decisions with her pulse of mar...
“Dilshad has a very proactive approach. Her calm and soft demeanor is definitely an asset. I would definitely recommend her for her business sense and other valuable attributes.”...
\"Dilshad has a good understanding of the markets, and her recommendations are pragmatic, reasonably safe, and I always get the feeling that they are what she would do herself. Her office has been extremely supportive of the follow-throughs with different Financial Institutions. I think at the end of...
“Dilshad is a thorough Professional. She has a good knowledge of the market. Advises suitably for one\'s financial investments. She has been a very good help in my Financial Planning.”...
\"I have known Dilshad for over 7 years and has been managing my investments and providing finacial advice to me. She is extremely thorough in her work and understands the clients requirement very well before giving advice. She is very well informed on her subject and provides service very appropriat...
\"Dilshad has been handling my financial planning for a few years now. I find that she brings in the right blend of professionalism, interest in my well-being and financial health to the job. She made it a point, over many discussion, to understand my goals, my status and requirements without being a...

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