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We are a leading Service Provider of Covid-19 Insurance, General Insurance, Life Insurance, Mutual Funds, All Type Of Insurance-Life/Health/Vehicle/Travel/Other Insurance and Travel Insurance from Mangaluru, India.

Covid-19 Insurance
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Covid-19 Insurance

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TypeCOVID 19 HEALTH INSURANCE
Usage/ApplicationONE TIME

This is a important info for your attention. All the insurance companies have launched corona Kavach Specific Lumpsum benefit cover policy today i.e 10/7/2020.
Pls Note all the Private & Government Insurance Companies have launched this Corona Kavach Product as per IRDAI direction however different companies have different Premium ratings for different age group. We have made a detailed analysis of all the companies products. As we have all the Insurers partnering, we would be able to guide you and offer the best suiting  your family & answer all your doubts regarding the same. Kindly contact our office or helpline to get the best protection for your family if you wish to secure health care related expenses for Covid - 19. Stay Safe & Take care.
Regards,
Vikas Rai Proprietor, VR creatorsInsurance & Investement Advisory

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General Insurance
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General Insurance

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General insurance includes personal insurance covering health, travel and accidents along with cover for other factors like for property against fire, burglary, theft; and liability insurance covering legal liabilities. This category of insurance virtually covers all forms of insurance except life. Other covers may include insurance against errors and omissions for professionals, credit insurance etc. Unlike life insurance policies, the tenure of general insurance policies is normally not that of a lifetime. The usual term lasts for the duration of a particular economic activity or for a given period of time. Most general insurance products are annual contracts. There are however, a few products which have a long term.

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Life Insurance
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Life Insurance

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There are no two ways about the fact the Life insurance is a must-have for just about everyone. So it’s important to make the right choice when it comes to buying life insurance. This calls for a keen understanding of the topic and the value a life insurance policy can add to your life and the lives of your loved ones.
The way to go about achieving this is by making sure that life insurance cover is adequate, generally we recommend to take a minimum risk cover of atleastto the extent of 10 times of your annual income. The life cover secures your loved ones future by paying a lump sum amount in case of an unfortunate event. Life insurance not only covers the risk arising due to an unfortunate event, but also gives you additional benefits like tax benefits, savings and wealth creation over a period of time
Types of Life Insurance Plans
The choice of buying Insurance Cover in India is left to individual, however people mostly buy insurance plan forgetting the main objective of optimum cover. If properly planned one can choose the right mix of products to match the life insurance requirements at different stages of life. Broadly, these are the basic types of life insurance plans:

  • Term insurance
    Term plans are the most basic form of life insurance. They provide life cover with no savings / profits component. They are the most affordable form of life insurance as premiums are cheaper compared to other life insurance plans.
  • Endowment plans
    Endowment plans differ from term plans in one important aspect i.e. maturity benefit. Unlike term plans which pay out the sum assured, along with profits, only in case of an eventuality over the policy term, endowment plans pay out the sum assured under both scenarios – death and survival.
  • Unit linked insurance plans (ULIP)
    ULIPs are a variant of the traditional endowment plan. They pay out the sum assured (or the investment portfolio if it’s higher) on death/maturity. Since ULIPs invest in stock markets they are well-suited for individuals with appetite for risk.
Further different benefits like whole life cover, money back , return of premium plans have been designed using the basic types of life insurance products.

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Mutual Funds

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The mutual fund industry has come a long way from 1993 when the first private sector mutual fund, Kothari Pioneer had come into existence and since then, the industry has scaled newer heights. The private sector mutual funds have shown remarkable growth in the Indian AUMs. It is definitely worth celebrating. The private sector has brought in diversity of product; they also brought in diversity to the customers to invest. This has helped them to grow at a rapid pace.
What are mutual funds?
A mutual fund collects money from investors and invests the money on their behalf.A mutual fund is an investment vehicle made up of a pool of money collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and other assets. A mutual fund’s portfolio is structured and maintained to match the investment objectives stated in its prospectus by professional fund managers.
Hence, Mutual funds are an ideal investment vehicle for regular investors who do not know much about investing. Investors can choose a mutual fund scheme based on their financial goal and start investing to achieve the goal.
Types of Mutual Funds in India: The Securities and Exchange Board of India has categorised mutual fund in India under four broad categories:
  • Equity Mutual Funds
  • Debt Mutual Funds
  • Hybrid Mutual Funds
  • Solution-oriented Mutual Funds

Equity mutual fund scheme: These schemes invest directly in stocks. These schemes can give superior returns but can be risky in the short-term as their fortunes depend on how the stock market performs. Investors should look for a longer investment horizon of at least five to 10 years to invest in these schemes. The Equity funds are further classified based on various factors like total capital of the stocks like large cap, mid cap ,small cap, multi cap etc and also based on sectors , theme etc.
Debt mutual fund schemes: These schemes invest in debt securities. Investors should opt for debt schemes to achieve their short-term goals that are below five years. These schemes are safer than equity schemes and provide modest returns. There are many sub-categories under the debt mutual fund category.
Hybrid mutual fund schemes: These schemes invest in a mix of equity and debt, and an investor must pick a scheme based on his risk appetite. Based on their allocation and investing style, hybrid schemes are categorised into various mutual fund types.
Solution-oriented schemes: These schemes are devised for particular solutions or goals like retirement and child’s education. These schemes have a mandatory lock-in period and are mostly close ended in nature.
How to invest in mutual Funds?
Mutual funds are operated by professional money managers, who allocate the fund’s investments and attempt to produce capital gains and/or income for the fund’s investors.Having said that with various categories of mutual funds the biggest challenge for the investors is choosing the right fund for wealth creation and goals with a balanced portfolio according to the investors risk appetite. Now it gets a little complex does it? Well let’s make it simple for you.
Imagine asking a travel agent, “How should I choose my mode of transport?” The first thing he or she will say is, “Depends on where you want to go.” If I were to travel to a distance of 5 kms, an auto rickshaw might be the best option, while for a journey from New Delhi to Kochi, a flight might be the best. A flight would not be available for a short distance and an auto rickshaw would be highly uncomfortable and slow for a long-distance journey.

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Travel Insurance

Travel Insurance

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