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MICRO Blog
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4 questions which investors rarely ask before investing
If you observe these instances, the underlying motivation to invest is primarily because of FOMO (fear of missing out) or saving taxes or chasing returns through the influence of social media. Investors however fail to pause and rarely think about questions which actually matter. Considering the behavioral tendencies, check out the infographic above on the […]
Jun 231 min read
How the latest insurance reform by the government misses the big picture
The Indian Parliament passed the Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Bill, 2025 earlier this December. One of the key highlights of the legislation is the increase in the foreign direct investment (FDI) limit in Indian insurance companies to 100 per cent. While this move is expected to boost capital inflows and support […]
Dec 31, 20252 min read
Free look period – your window of early exit to avoid regret of buying the wrong insurance product
A large number of policyholders in India are often unaware of the exact type of life insurance they have purchased. Many struggle to distinguish whether their policy is an endowment plan, money-back policy, or whole-life cover. This lack of awareness makes them vulnerable to mis-selling. The fact that mis-selling happens in the insurance industry is […]
Sep 3, 20252 min read
Do you need life insurance beyond age 60 ?
The fundamental objective of buying a term insurance policy is financial protection of family members, the ones who are dependent on you – non-earning spouse, kids, senior citizen parents, etc. After age 60, life insurance is usually not required. This is true in most cases as adequate financial assets are accumulated for retirement, kids turn […]
Jul 24, 20251 min read
Insurers cannot promote ULIPS as a pure investment product
Mis-selling has been the bane of life insurance sector. Instead of protection cover, the emphasis has always been more on investment returns while promoting life cover products. In the past year, insurance companies and agents have started talking about terms associated with mutual funds while launching ULIPS – net asset value, index funds, etc. ULIPs […]
Jun 21, 20242 min read
Are you asking the right questions in personal finance?
Jim Walis rightly stated: If you are asking the wrong question, it doesn’t matter how good the answer is, you aren’t going to get where you want to go. In the context of personal finance, questions which focus more on the product rather than the solution have a myopic approach. This stems from the fact […]
Mar 31, 20241 min read
Who in the family requires life insurance?
Life Insurance is one of the most basic needs of an individual’s financial life. If he is earning and his parents, wife and children are dependant on him, he needs to buy Life Insurance. The dependants in the family do not need to buy life insurance cover for themselves. But what they need is life […]
Jul 6, 20221 min read
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