Happy Diwali

Dear Policy Holders,

Wish you all Happy Diwali and a rewarding new year like the past one. All of you must have been pleased to see your fund grow back to level which is best in the whole time since the policy inception.

Who have paid premiums regularly in past twelve months have had more to gain. The once who have actively switched funds have yet more to be pleased about. Now it is an established fact that the ULIPs are the best, in good times or bad. The proof is before you, the worst period in time (for the investors) has been seen and there has not been any damage rather there have been gains.

I once again tell you that the policy you have can absorb more by way of contribution, most of you can access your funds for your needs, in full as well in parts, the amounts paid as premium qualify for tax saving and what is most of all benefits is that the gains remain tax free and would remain tax free even when withdrawn.

So what are you waiting for, you must put all your savings in to the policy as top-up premium, leave it there for as long as you don't need funds and take out when you need it. Does it not defeat the Fix Deposit option in terms of convenience of liquidity without cost and does it not beat it also for attracting no tax while interest on FDs will be subjected to TDS.

Further more, you have also what a Mutual Fund offers but at lower to nil cost and have ultimate flexibility and freedom of switching. You can see your policy detail on line and do switching on line (just obtain the client I'd and pass word). You may contact me for any further guidance at khandelwal.kkinsurance@gmail.com or phone up at +91972431304.

The SIP (systematic investment plan) is so much talked about but you must know that this is inherent in ULIPs. I would appreciate if you discuss your financial goals and what plans you have. I think I would be able to give you some useful guidance about how you can plug leakages and grow money fast, how you would have necessary cover and have tax savings.

Wish you all best once again for Happy Diwali

Krishna Kumar Khandelwal