Dilzer Consultants - Investments and Financial Planning

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Is it prudent to buy insurance for a spouse who does not earn?

Posted on: June 23rd, 2017

                Insurance and risk management is as old as trade and exchange of goods for money. Common sense dictates that when there is a risk it’s wise to distribute or transfer the risk to a wider community. Insurance dates back to the early ages of trade & finance.           Changing life scenarios- Of all the milestones in your life , you would definitely remember your first pay cheque!    It was a wonderful feeling of independence and ownership. At the age […]

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What are the data points in term insurance calculation

Posted on: June 16th, 2017

A  term plan gives the policy holder an opportunity to get the protection of life insurance cover for his family at minimal costs. However, if the insured person survives the policy term he would not be eligible to receive any amount. Estimating the Life Insurance Cover required while buying Term insurance is an important part of financial planning. Enlisted are the most important data points considered by insurance companies while calculating insurance : Present age of the insured in years […]

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How much Life Insurance do you need

Posted on: June 9th, 2017

 Estimating Life Insurance Requirement is an important part of financial planning. While buying life insurance, many people are unable to arrive at an adequate sum assured in sync with their requirement. Many people do not have life insurance at all, thereby risking the financial well-being of their families.  Are you adequately Insured ? – Being uninsured, under-insured, over-insured  An uninsured person exposes his/her family to the maximum financial risk because after death he is not leaving his dependents with adequate […]

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Is Company Provided Health Cover Sufficient?

Posted on: June 2nd, 2017

If you want value for what you pay , then do it at the right time. There are many young people these days who opt for  early health & life insurance. This is a smarter move as it comes cheap if started early. Each generation of employees are getting smarter than the previous . Industry experts say that companies get a group insurance cover only to cover their liabilities but not to cover your responsibilities. A report by ICICI Lombard […]

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What is the health corpus needed at Retirement

Posted on: May 26th, 2017

 “From the bitterness of disease man learns the sweetness of health ”  a Catalan proverb.                 Health is now a growing concern and matter of interest for all . Wellness is an industry and many young people opt for a balanced diet and regular exercise rather than lead a sedentary lifestyle . A fit body is no longer a matter or fashion or fame but a matter of lifestyle. Awareness among the younger generation is growing and this is a […]

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Health Insurance for Senior Citizens

Posted on: May 19th, 2017

Health insurance is a must for senior citizens, because health risks increase substantially with seniority. Increased health related risks and expenses associated with it, coupled with lower income during retirement, make health insurance one of the most necessary aspects of financial planning for senior citizens. Health insurance plans for senior citizens are basically for individuals who are above 60 years of age and are retired with no regular income. This type of health insurance can also be availed by senior citizens or by […]

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Which Health Insurance – Individual or Floater?

Posted on: May 12th, 2017

Healthcare costs are rising fast and a health insurance plan secures the family’s finances against medical emergencies. It is a must to have a health insurance plan in place to ensure that financial independence does not come in the way of treatment of any illness, however critical it is. A number of health insurance options are available in the market. Here we will discuss in detail about individual plan and family plan.  A brief understanding of Individual plan and a Family Floater […]

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How much health insurance does one need

Posted on: May 5th, 2017

 Health Insurance takes care of the financial backup needed in case of medical issues and emergencies. It helps to save money on various expenses incurred from hospitalization and other Out Patient Department expenses. It is a must to have a health insurance plan in place to ensure that financial independence does not come in the way of treatment of any illness, however critical it is. Table depicting the relevance of Family Floater and Individual Plan (Source :http://economictimes.indiatimes.com/wealth/insure/how-to-choose-the-best-health-insurance-policy/articleshow/49514375.cms)    How Much Health Insurance […]

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Best Health Insurance Policies

Posted on: April 28th, 2017

Health Insurance takes care of the financial backup needed in case of medical issues and emergencies. It helps to save money on various expenses incurred from hospitalization and other Out Patient Department expenses. It is a must to have a health insurance plan in place to ensure that financial independence does not come in the way of treatment of any illness, however critical it is. Opting for a medical insurance policy or critical illness insurance rider by way of paying a marginal amount as […]

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Retirement Homes- are they for you?

Posted on: April 21st, 2017

Previously, senior citizen care in India was confined to old age homes. More so these were meant for the poor and run on charity. But now with the majority of young educated people moving to the foreign countries, many parents from the middle-class and upper middle-class sections find themselves rather alone in their old age with no one to take care of them during a medical emergency. For this reason many aged people are moving to retirement homes, projects specifically […]

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