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LIFE AND MEDICAL INSURANCE

ONE may never get to regret taking a low life cover but your dependents will surely feel the impact of this mistake. An adequate life cover ensures that the family goals are not hampered due to the breadwinner's death. The insurance cover should be big enough to generate income that can take care of the expenses of the family till the policyholder's dependents are self-sufficient. One broad approximation is about 6-7 times the annual income of the individual. But this does not always re flect a person's insurance need. The cover must be big enough to settle loans as well.Apart from this, the insurance should also provide for crucial financial goals, such as a child's higher education and marriage.These are one-time expenses and their present cost should be taken into account while calculating the cover. Hemant Kumar (see picture) is the sole breadwinner and has a home loan of `25 lakh. He should not delay buying insurance because premiums shoot up after 40.

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Invest Rs 1,50,000 and Save Tax under Section 80C. Get Great Returns by Investing in Best Performing ELSS Mutual Funds

Top 10 Tax Saving Mutual Funds to invest in India for 2016

Best 10 ELSS Mutual Funds in india for 2016

1. BNP Paribas Long Term Equity Fund

2. Axis Tax Saver Fund

3. Franklin India TaxShield

4. ICICI Prudential Long Term Equity Fund

5. IDFC Tax Advantage (ELSS) Fund

6. Birla Sun Life Tax Relief 96

7. DSP BlackRock Tax Saver Fund

8. Reliance Tax Saver (ELSS) Fund

9. Religare Tax Plan

10. Birla Sun Life Tax Plan

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