"Knowledge Plus for Wealth + " will give you the overview of the recent happenings in the financial market. Life Insurance is critical because your responsibilities as an income earner don’t end with you. You need to create safety net for your family which will help them to be financially secured in case of your absence. For this purpose, Life Insurance is the best financial tool. In this issue, we will cover: - Latest Happenings in the Financial Markets - Introduction To Life Insurance - Understanding Need of Life Insurance - Factors to consider for taking Adequate Cover - Types of Life Insurance - Conclusion Kindly Download the details from following Link: http://www.youtube.com/watch?v=lZkNcASkRx4&feature=youtu.be Kindly share your valuable feedback at info@valueplusinv.com to help us serve you better.

1. VALUE PLUS - The Family Office
KNOWLEDGE PLUS
For Wealth Plus+
From
Research Desk
02nd November 2013

2. Hot Topic Of The Week
Life Insurance –
Creating Safety Net for Your
Family
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3. Last week at the Financial Markets!!!
News
Impact
• Core industries, (which include coal, •
natural gas, refinery products and crude •
oil, with a weight of about 38% in the Index
of Industrial Production (IIP)) grew at a •
year high of 8% in September against 3.7%
growth in August 13.
• RBI announced
1)Hike Repo rate by 25 bps,
2)Reduce MSF rate and bank rate by 25 bps,
3)Increase short term liquidity for banks
•
•
Positive impact on IIP number
Sentiment may turn positive for economy
growth
Import of energy products may reduce.
Null impact on 10 year G-sec yield.
Short term cost of borrowing will decrease
Positive for banking sector.
•
•
•
SENSEX was up by 513 points (+2.48) and closed to 21196 at end of the
week.
(FIIs) remained net buyers in equity with net inflow of Rs. 5378.90 crore
and net sellers in debt segment with net outflow of Rs. 1919.1 crore.
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4. Last week at the Financial Markets!!!
Price Performance of Different Asset Class
Post event (RBI and FED
meeting) adjustment was
seen in financial market.
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5. Next Week in the Financial Markets...?
• HSBC Service PMI will be released on November 5th, 2013.
• Cement dispatch data number will be released in next week.
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6. Hot Topic Of The Week
Life Insurance –
Creating Safety Net for Your
Family
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7. Introduction
• Life Insurance is critical because your responsibilities as an income
earner don’t end with you.
• When your family members/dependants depend on you financially, it
is imperative for you to buy life insurance and ensure a financially
secure future for your dependants.
• Life Insurance is best instrument to provide same lifestyle to family by
providing eternal legacy.
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8. Why Life Insurance?
• As life insurance provides protection for uncertainties of life, it will
bring you and your family peace of mind.
• This also helps to add more financial security to your family as well as
leave an inheritance.
• It can assist in supplementing your retirement by making sure your
retirement savings lasts as long as you do.
• It can safeguard business from financial loss, liabilities or instability in
the case of the death of business partner/owner.
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9. Factors to be considered
• Insurance Cover must change with change in following
factors:
– Change in Income
– Change in Spending Habits/ Life style
– Changes in Liabilities like Housing Loan
– Changes in Goals like Child’s Education, Marriage
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10. Types of Life Insurance
• Term Insurance
– It is a pure risk cover policy that protects the insured for specific period
of time.
– In case the insured survives the specific period, the premium paid are
not returned back.
• Unit Linked Insurance Plans
– They are market linked insurance products that provide combination of
life cover and wealth creation options.
– It involves high cost due to various charges like premium allocation
charges, administration charges and fund management charges.
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11. Types of Life Insurance
• Endowment Plans
– It is combination of risk cover with financial savings.
– Policy holder benefits in two ways from a Pure Endowment Plan.
In case of death during the tenure, the beneficiary gets the sum assured.
If the individual survives the policy tenure, he gets back the premium
paid with other investment returns and benefits like bonuses.
– Other variant is Whole Life Policy in which cover is provided throughout
his life term.
– Other endowment plan is Money Back Policy where it gives periodic
payments during the term of policy. In other words, a portion of the sum
assured is paid out at regular intervals.
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12. Way Ahead
• In the next quarter, Insurance industry may come with unique
products and unique concepts.
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13. Conclusion
• Different plans are suitable for different people.
• The selection of the plan is to be done taking into consideration your
income, spending habits/lifestyle, liabilities, past investments and
such other factors.
• For this purpose, you need an unbiased advice of expert.
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14. THANK YOU
Research Desk
@
VALUE PLUS - The Family Office
Office:
(0265 -2324600,6629800)
Email:
info@valueplusinv.com
Website: www.valueplusinv.com
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