Preparing for the Uncertain with a Term Plan


We live in a world where life is very uncertain; we cannot possibly predict accidents, natural calamities or a sudden deterioration in health leading to death. Therefore concerns about how our family will survive without us rise up.

To ensure that our loved ones do not face hardships in their life without us, we should have a backup plan to ensure that they are financially secure in the future and that they do not have to ask for any help or take out a loan.

We are aware of life insurance, but let us explore what an online term plan life insurance has to offer:

  • A better edge in understanding
  • The time to choose the right option
  • The convenience of staying at home
  • Involving family members to make the right decision, because at the end they should also know you care for them

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Recently, a friend, who works in a financial consultancy services told me about a term plan by  Max Life Insurance, now the benefits of Max Life  Online Term Plan are many, the ones mentioned by him are:

  1. You get complete sum of amount during the term of the plan
  2. You get extra protection with Max Life Comprehensive Accident Benefit Rider*
  3. Waiver of all future premium, in case of dismemberment or diagnosis of critical illness or death** of policy holder through Max life waiver of premium plus rider
  4. Quick, easy and user friendly online application process, cutting down on paperwork
  5. Some extra benefits if you have a healthy lifestyle, they have low premium rates for Non Smokers
  6. You can choose between three options based on your family’s situation in life, death benefits can be shared:
  7. As a Lump Sun
  8. A lump sum with monthly payments
  9. A lump sum with increasing monthly payments

*For more details on the rider and the various terms and conditions, please refer to the rider brochure.

** Death only in case when policy holder and life insured are different.

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Sample Illustration of scenario if chosen death benefit options:

Suppose Mr. Gupta, aged 28 years, opts for an 80 Lac for 25 years under Max Life Online Term plan with an annual premium of Rs. 6,500.

Though Mr. Gupta has term insurance of 25 years, by after paying 8 premiums, unfortunately Mr. Gupta dies.

So if Mr. Gupta has chosen the death benefit option, then his nominee will get Rs.80 Lacs upon death and the policy will terminate.

Though I wish that we all live our full and complete lives, but we should also be thoughtful and plan for the unexpected, dealing with uncertainty with an online term plan is always a smarter choice. #MaxLifeTermPlan

Happiness Costs nothing


We are living in the 21st century and everything is cutting edge, high tech and it is just getting better day by day, this is making life simpler but in a sense more complicated for us, thou we are working our self’s towards future but a time has come when we can just manage everything all by our self’s, we don’t want a company and all we require is our mobiles, tablets, e-books, laptops to just fulfill our wishes in a click of a button and be our best company.
Well, so what does one do to be happy these days is really a very materialistic approach towards looking at things, and i think this is not the optimum happiness or satisfaction we always have urged for in the recent past centuries.
For me happiness has always been something which is lot to do in seeing someone happy and to be in that moment with the person, let me share a experience which really made me my day:
It was evening time and i was returning back from work to home, very tired and a bit dull, as it was late night around 10.30pm, i was struggling to find a taxi, from a few distance away from me was a lady who was also battling to find a taxi, in the meanwhile i manage to get the cab and sat and offered the lady if i could drop here somewhere, she was a bit unsure about it first, but after i urged that its late night and there wont be any cabs coming soon, she agreed to sit. To break the ice i started the conversation and asked her about where she exactly wanted to go so that i could first drop her, after having a brief conversation i asked her about what she does and where she works, it worked out that she was my friends friend and she was pleasantly surprised and contained to know that, it brought happiness to her face which really made my day in the sense that its such a small world and how people just connect, these deeds of helping someone in the time of need is really something that people in this world have forgotten, thou we live for our self’s, but these small gestures of kindness can also play a significant help in other peoples life.
Happiness is contagious and the more we spread it the more we make this world a better place to live, life is tough and days are challenging to what we are looking up-to, just a thought of happiness in this struggle also will lead to a smooth journey in this bumpy ride of life, where love and happiness battles  all odds and scores a WIN.

Together as Support


Rewinding back the memory lanes, sometimes you generally tend to get emotional about your past good or bad and those memories are what keeps you going, as a motivator to improve from your mistakes or a support that keeps you reminding that you must stay focus ahead with optimism, so on and forth, share a piece of Alan’s past which he still cherishes till today.

Alan was a hardworking individual working as a photographer at a leading magazine publication; his job was challenging and demanded him to go place and cover stories through his enchanting vision. Life was going good for Alan as he loved adventure and exploring the world, thou this was allowing him to explore the world but this also meant that he had to stay away from his family for long periods of time, which was the only regret Alan had, he was a family guy and living without them for such long periods was getting difficult for him, photography is all what he mastered in these many years and he could not afford to change profession as he was well settled.

Alan was finding it difficult to meet both ends, he didn’t want to compromise and wanted to give time and attention to both, for the first time Alan was not able to figure out a medium to this situation, thou he was a optimistic person but this situation demanded a decision and there was no one way he could think of considering both were close to his heart, Alan was broken from inside but didn’t express his feeling so that his family doesn’t come to know as it would make them week, finally Alan decided to share his difficulty with his photography mentor  for years and also a close friend James.

Alan explained James about his difficulties; it made him feel better that James was all ears to what he had to say, sipping a cup of dark coffee at  James open terrace flat, it was midnight and skies were glittering with stars, the cold wind made Alan week and he had tears in his eyes. James consoled him and said “Listen, Alan I know you are a mature individual and you have seen the world, I know it’s tough for you to manage this dilemma but I feel you are justifying both well, I don’t want to advice you anything but all I can say is see this as a dark stormy night and the other side of it as sunshine, you are earning for your family and ultimately you are keeping them happy, your non presence may be felt but you have to stay strong and never make them realize this.

Alan tried to gather himself from James optimistic advice, he appreciated James for understanding him and keeping him upright with optimism and help beating those blues, this conversation did wonders for Alan.

Life is always full of ups and downs, we always tend to adjust or welcome change, but sometimes we are not satisfied with things going on in our life and to beat the blues we look up to our family, friends relatives to have a conversation and talk it out, because together there is always solution.