Build your financial awareness -

Build your financial awareness -

Knowledge Hub

Knowledge Hub

Knowledge Hub

Articles and guides to help you with financial awareness and planning.

Articles and guides to help you with financial awareness and planning.

Categories

Categories

All

All

Research

Research

Life & Health

Life & Health

Awareness

Awareness

Actuarial & Insurance Math

Actuarial & Insurance Math

IRDAI Circulars

IRDAI Circulars

Life Stage

Life Stage

News & Insights

News & Insights

Scams

Scams

Agent Corner

Agent Corner

Health Insurance Portability Mistakes, How Last-Minute Portability Can Lead to Claim Rejection

Health Insurance Portability Mistakes, How Last-Minute Portability Can Lead to Claim Rejection

Planning to switch your health insurance company? Learn the 90–60 day portability rule, common mistakes, underwriting process, grace period risks, and how to avoid claim rejection during health insurance portability in India.

ULIP vs Mutual Funds - A NAV Comparison Every Investor Should Know

ULIP vs Mutual Funds - A NAV Comparison Every Investor Should Know

Thinking of buying a ULIP? Discover a detailed comparison of ULIPs vs Mutual Funds using real NAV calculations, insurance charges, taxation rules, lock-in periods, liquidity, and long-term wealth creation.

Sending Your Child Abroad? Buy Term Insurance Before They Leave India

Sending Your Child Abroad? Buy Term Insurance Before They Leave India

Planning to send your child abroad for higher education? Learn why purchasing term insurance before leaving India can protect your family from education loan liabilities and understand insurer underwriting requirements.

Insurance Ombudsman Process

Insurance Ombudsman Process

Learn the complete Insurance Ombudsman complaint process in India. Know the timelines, documents, Bima Bharosa Portal, eligibility, and legal rights after claim rejection.

Is Your Life Insurance Maturity Amount Tax-Free? Most Policyholders Get This Wrong

Is Your Life Insurance Maturity Amount Tax-Free? Most Policyholders Get This Wrong

Not Every Life Insurance Payout Is Tax-Free. Here's What Every Policyholder Must Know.

Network vs Blacklisted Hospitals

Network vs Blacklisted Hospitals

ULIP charges explained

ULIP charges explained

HNI Doubts - Self Insurance vs Health Insurance

HNI Doubts - Self Insurance vs Health Insurance

Audit Your Insurance Portfolio

Audit Your Insurance Portfolio

The Insurance Ecosystem Part-3

The Insurance Ecosystem Part-3

The Insurance Ecosystem Part-1

The Insurance Ecosystem Part-1

Health Insurance Add-ons You Must Check Once

Health Insurance Add-ons You Must Check Once

Surrender Value Explained

Surrender Value Explained

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Convert Group Health Insurance to Individual Policy

Convert Group Health Insurance to Individual Policy

Credit Life Insurance vs Term Insurance - What's the Difference?

Credit Life Insurance vs Term Insurance - What's the Difference?

The Truth Insurance Ads Don't Tell You

The Truth Insurance Ads Don't Tell You

Your Life Insurance Claim Could Be Delayed Because of an Outdated Nominee

Your Life Insurance Claim Could Be Delayed Because of an Outdated Nominee

Infographic urging policyholders to update nominee details today, showing a life insurance policy form alongside complex legal documents like a succession certificate to illustrate the importance of keeping records current.

Forgot to Disclose an Existing Policy? Your Family's Claim Could Be at Risk

Forgot to Disclose an Existing Policy? Your Family's Claim Could Be at Risk

Evidence board infographic illustrating the life insurance disclosure rule in 6 steps. It outlines a scenario where an individual forgets to disclose a 2021 policy on a new application. It explains that if death occurs within 3 years, the old policy pays out, but the new policy is re-investigated and potentially repudiated for withholding material information. Pinned notes emphasize the importance of medical and financial underwriting.

Why Your Health Insurance May Not Pay the First Claim

Why Your Health Insurance May Not Pay the First Claim

Vintage ticket-styled infographic titled 'One Hell of a Show' explaining health insurance aggregate deductibles. It outlines two scenarios showing out-of-pocket costs versus insurer contributions with a ₹1 Lakh deductible, explains why buyers choose lower premiums, and lists key questions to ask before purchasing.

Which Insurance Distribution Channel Earns the Highest Commission? (FY 2025-26 Data Reveal)

Which Insurance Distribution Channel Earns the Highest Commission? (FY 2025-26 Data Reveal)

Which insurance distribution channel earns the highest commission? Analyze real public disclosure data from top Life, General, and Health insurers (FY 2025-26) and discover whether you should become an Agent, IMF, or Broker

Life Insurance Rider Guide - Critical Illness, Accidental Benefit, Premium Waiver & More

Life Insurance Rider Guide - Critical Illness, Accidental Benefit, Premium Waiver & More

Planning to buy life insurance? Learn how life insurance riders work, understand UIN numbers, claim conditions, hidden exclusions, terminal illness benefits, premium waiver, Flexi Pay and why reading the rider brochure is just as important as buying the policy.

How Life Insurance Premiums Are Calculated - Makeham's Law & Mortality Tables Explained

How Life Insurance Premiums Are Calculated - Makeham's Law & Mortality Tables Explained

Discover how insurance companies use actuarial mathematics, mortality tables, Gompertz-Makeham law, probability theory and survival models to calculate life insurance premiums. Learn the real science behind insurance pricing.

How to Choose the Best Health Insurance for Parents in India (2026 Complete Guide)

How to Choose the Best Health Insurance for Parents in India (2026 Complete Guide)

Buying Health Insurance for Parents? Read These 14 Critical Points Before You Decide.

The Hidden Cost of Monthly Insurance Premiums

The Hidden Cost of Monthly Insurance Premiums

Monthly Premiums Look Cheaper. Are They Actually Costing You More?

IRDAI Circular for Senior Citizens

IRDAI Circular for Senior Citizens

Your Health Insurance Premium Increased? Here's the Real Reason

Your Health Insurance Premium Increased? Here's the Real Reason

Health Insurance Pays the Hospital Bill. Critical Illness Insurance Pays Your Life Expenses

Health Insurance Pays the Hospital Bill. Critical Illness Insurance Pays Your Life Expenses

IRDAI List of Non-Payable Items

IRDAI List of Non-Payable Items

The Insurance Ecosystem Part-2

The Insurance Ecosystem Part-2

Housewife Term Insurance - Why Homemakers Need Financial Protection Too

Housewife Term Insurance - Why Homemakers Need Financial Protection Too

Health Insurance Add-ons You Can Ignore

Health Insurance Add-ons You Can Ignore

How Insurance Riders Can Strengthen Your Financial Protection

How Insurance Riders Can Strengthen Your Financial Protection

6 Things to Check Before Surrendering Your Life Insurance Policy

6 Things to Check Before Surrendering Your Life Insurance Policy

Your Employee Benefits Are Rented, Not Owned

Your Employee Benefits Are Rented, Not Owned

Why Millions of Insurance Policies Are Not Renewed

Why Millions of Insurance Policies Are Not Renewed

Before Buying Insurance, Follow the 15 Year Rule

Before Buying Insurance, Follow the 15 Year Rule

The 15 Years Insurance Rule' featuring a partially eaten, multi-layered chocolate cake on a plate. The accompanying text outlines why long-term financial commitments require reviewing an insurer's 15-year track record in claim settlement and grievance handling, rather than falling for the aggressive marketing of new insurers. A highlighted box at the bottom reads: 'Insurance is not tested during purchase. Insurance gets tested during claims.

Can Online insurance be Transferred To An Agent?

Can Online insurance be Transferred To An Agent?

Notebook-styled graphic featuring a laptop showing an online insurance purchase next to a mug reading 'Insured but supported?'. Handwritten notes contrast 'Option 1: Customer Care & Helpdesk,' which involves waiting and repeated follow-ups, with 'Option 2: A Dedicated Insurance Advisor,' who assists with claim documentation and escalations. The central question asks, 'Who will stand beside you when a claim happens?

What Qualifications Should You Look for in an Insurance Agent?

What Qualifications Should You Look for in an Insurance Agent?

Illustrated graphic featuring a professional man alongside the text 'Choose Qualifications, Not Just A License.' It lists key traits to look for in an insurance intermediary: Educational Qualifications, Expert Knowledge, Claim Expertise, and Professional Ethics. A stylized note compares the basic IC-38 license to a learner's permit, emphasizing that insurance is about securing your tomorrow, not just making a sale.

Health Insurance Portability Mistakes, How Last-Minute Portability Can Lead to Claim Rejection

Planning to switch your health insurance company? Learn the 90–60 day portability rule, common mistakes, underwriting process, grace period risks, and how to avoid claim rejection during health insurance portability in India.

Which Insurance Distribution Channel Earns the Highest Commission? (FY 2025-26 Data Reveal)

Which insurance distribution channel earns the highest commission? Analyze real public disclosure data from top Life, General, and Health insurers (FY 2025-26) and discover whether you should become an Agent, IMF, or Broker

ULIP vs Mutual Funds - A NAV Comparison Every Investor Should Know

Thinking of buying a ULIP? Discover a detailed comparison of ULIPs vs Mutual Funds using real NAV calculations, insurance charges, taxation rules, lock-in periods, liquidity, and long-term wealth creation.

Life Insurance Rider Guide - Critical Illness, Accidental Benefit, Premium Waiver & More

Planning to buy life insurance? Learn how life insurance riders work, understand UIN numbers, claim conditions, hidden exclusions, terminal illness benefits, premium waiver, Flexi Pay and why reading the rider brochure is just as important as buying the policy.

Sending Your Child Abroad? Buy Term Insurance Before They Leave India

Planning to send your child abroad for higher education? Learn why purchasing term insurance before leaving India can protect your family from education loan liabilities and understand insurer underwriting requirements.

How Life Insurance Premiums Are Calculated - Makeham's Law & Mortality Tables Explained

Discover how insurance companies use actuarial mathematics, mortality tables, Gompertz-Makeham law, probability theory and survival models to calculate life insurance premiums. Learn the real science behind insurance pricing.

Insurance Ombudsman Process

Learn the complete Insurance Ombudsman complaint process in India. Know the timelines, documents, Bima Bharosa Portal, eligibility, and legal rights after claim rejection.

How to Choose the Best Health Insurance for Parents in India (2026 Complete Guide)

Buying Health Insurance for Parents? Read These 14 Critical Points Before You Decide.

Is Your Life Insurance Maturity Amount Tax-Free? Most Policyholders Get This Wrong

Not Every Life Insurance Payout Is Tax-Free. Here's What Every Policyholder Must Know.

The Hidden Cost of Monthly Insurance Premiums

Monthly Premiums Look Cheaper. Are They Actually Costing You More?

Network vs Blacklisted Hospitals

IRDAI Circular for Senior Citizens

ULIP charges explained

Your Health Insurance Premium Increased? Here's the Real Reason

HNI Doubts - Self Insurance vs Health Insurance

Health Insurance Pays the Hospital Bill. Critical Illness Insurance Pays Your Life Expenses

Audit Your Insurance Portfolio

IRDAI List of Non-Payable Items

The Insurance Ecosystem Part-3

The Insurance Ecosystem Part-2

The Insurance Ecosystem Part-1

Housewife Term Insurance - Why Homemakers Need Financial Protection Too

Health Insurance Add-ons You Must Check Once

Health Insurance Add-ons You Can Ignore

Surrender Value Explained

How Insurance Riders Can Strengthen Your Financial Protection

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

6 Things to Check Before Surrendering Your Life Insurance Policy

Convert Group Health Insurance to Individual Policy

Your Employee Benefits Are Rented, Not Owned

Credit Life Insurance vs Term Insurance - What's the Difference?

Why Millions of Insurance Policies Are Not Renewed

The Truth Insurance Ads Don't Tell You

Before Buying Insurance, Follow the 15 Year Rule

The 15 Years Insurance Rule' featuring a partially eaten, multi-layered chocolate cake on a plate. The accompanying text outlines why long-term financial commitments require reviewing an insurer's 15-year track record in claim settlement and grievance handling, rather than falling for the aggressive marketing of new insurers. A highlighted box at the bottom reads: 'Insurance is not tested during purchase. Insurance gets tested during claims.

Your Life Insurance Claim Could Be Delayed Because of an Outdated Nominee

Infographic urging policyholders to update nominee details today, showing a life insurance policy form alongside complex legal documents like a succession certificate to illustrate the importance of keeping records current.

Can Online insurance be Transferred To An Agent?

Notebook-styled graphic featuring a laptop showing an online insurance purchase next to a mug reading 'Insured but supported?'. Handwritten notes contrast 'Option 1: Customer Care & Helpdesk,' which involves waiting and repeated follow-ups, with 'Option 2: A Dedicated Insurance Advisor,' who assists with claim documentation and escalations. The central question asks, 'Who will stand beside you when a claim happens?

Forgot to Disclose an Existing Policy? Your Family's Claim Could Be at Risk

Evidence board infographic illustrating the life insurance disclosure rule in 6 steps. It outlines a scenario where an individual forgets to disclose a 2021 policy on a new application. It explains that if death occurs within 3 years, the old policy pays out, but the new policy is re-investigated and potentially repudiated for withholding material information. Pinned notes emphasize the importance of medical and financial underwriting.

What Qualifications Should You Look for in an Insurance Agent?

Illustrated graphic featuring a professional man alongside the text 'Choose Qualifications, Not Just A License.' It lists key traits to look for in an insurance intermediary: Educational Qualifications, Expert Knowledge, Claim Expertise, and Professional Ethics. A stylized note compares the basic IC-38 license to a learner's permit, emphasizing that insurance is about securing your tomorrow, not just making a sale.

Why Your Health Insurance May Not Pay the First Claim

Vintage ticket-styled infographic titled 'One Hell of a Show' explaining health insurance aggregate deductibles. It outlines two scenarios showing out-of-pocket costs versus insurer contributions with a ₹1 Lakh deductible, explains why buyers choose lower premiums, and lists key questions to ask before purchasing.

Abhishek Capital

Insure - Invest - Protect

ABHISHEK CAPITAL | AMFI-Registered Mutual Fund Distributor

ARN: ARN-53302 | EUIN: E343159

IRDAI Licensed Insurance Agent

(Life Insurance Corporation of India – 0251489A | ICICI Lombard General Insurance Company – IM-536420)

Professional Designations: Fellowship-Qualified (III - FE152555) | Student Actuary Member (IAI - 46386)

Insurance Disclaimer:

Insurance is a subject matter of solicitation. The information provided on this website is for general informational purposes only as a service to the broader internet community and does not constitute insurance, legal, or financial advice. Mr. Abhishek Borkar is a licensed insurance agent registered with IRDAI. Prospective policyholders are advised to read all policy documents, terms, and conditions carefully before making a purchase decision. Commissions do not influence our independent product evaluations. Tax benefits are subject to changes in applicable tax laws. Premiums and benefits vary by insurer and plan chosen.

Insurance Disclaimer:

Insurance is a subject matter of solicitation. The information provided on this website is for general informational purposes only as a service to the broader internet community and does not constitute insurance, legal, or financial advice. Mr. Abhishek Borkar is a licensed insurance agent registered with IRDAI. Prospective policyholders are advised to read all policy documents, terms, and conditions carefully before making a purchase decision. Commissions do not influence our independent product evaluations. Tax benefits are subject to changes in applicable tax laws. Premiums and benefits vary by insurer and plan chosen.

Mutual Funds Distributor Disclaimer:

ABHISHEK CAPITAL is an AMFI-registered Mutual Fund Distributor. Mutual fund investments are subject to market risks. Please read the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM) carefully before investing. Past performance is not indicative of future returns. All schemes distributed are of Regular Plan, involving payment of distributor commission. ABHISHEK CAPITAL is not registered as a SEBI Registered Investment Advisor (RIA) and doesn't provide Portfolio Management Services (PMS). We do not provide regulated, fee-based investment advice or advisory services.

Mutual Funds Distributor Disclaimer:

ABHISHEK CAPITAL is an AMFI-registered Mutual Fund Distributor. Mutual fund investments are subject to market risks. Please read the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM) carefully before investing. Past performance is not indicative of future returns. All schemes distributed are of Regular Plan, involving payment of distributor commission. ABHISHEK CAPITAL is not registered as a SEBI Registered Investment Advisor (RIA) and doesn't provide Portfolio Management Services (PMS). We do not provide regulated, fee-based investment advice or advisory services.

Material Accuracy & Terms of Service:

The materials appearing on this website could include technical, typographical, or photographic errors. ABHISHEK CAPITAL does not warrant that any of the materials on its website are accurate, complete, or current. ABHISHEK CAPITAL may make changes to the materials contained on its website at any time without notice, but does not make any commitment to update the materials. By using this website, you are agreeing to be bound by the then-current version of these Terms of Service. ABHISHEK CAPITAL operates as an intermediary facilitating the distribution of insurance and financial products; we do not manufacture or underwrite any financial products.

Material Accuracy & Terms of Service:

The materials appearing on this website could include technical, typographical, or photographic errors. ABHISHEK CAPITAL does not warrant that any of the materials on its website are accurate, complete, or current. ABHISHEK CAPITAL may make changes to the materials contained on its website at any time without notice, but does not make any commitment to update the materials. By using this website, you are agreeing to be bound by the then-current version of these Terms of Service. ABHISHEK CAPITAL operates as an intermediary facilitating the distribution of insurance and financial products; we do not manufacture or underwrite any financial products.

Grievances, Contact & Support:

For grievances related to insurance products, you may contact IRDAI's Bima Bharosa helpline at 155255 or visit igms.irda.gov.in. For mutual fund grievances, contact AMFI at 1800-22-6868 or visit scores.sebi.gov.in. For any general service-related concerns, web inquiries, webinars or hiring queries, write to us directly at enquiry.abhishekcapital@gmail.com or abhishekcapital@gmail.com, or reach us via phone at +91-9163275793.

Grievances, Contact & Support:

For grievances related to insurance products, you may contact IRDAI's Bima Bharosa helpline at 155255 or visit igms.irda.gov.in. For mutual fund grievances, contact AMFI at 1800-22-6868 or visit scores.sebi.gov.in. For any general service-related concerns, web inquiries, webinars or hiring queries, write to us directly at enquiry.abhishekcapital@gmail.com or abhishekcapital@gmail.com, or reach us via phone at +91-9163275793.

Address - 301, JaiRam Smruti, Ujamba CHS, Hindu Friends Society Road, Jogeshwari East, Mumbai 400060.

Address - 301, JaiRam Smruti, Ujamba CHS, Hindu Friends Society Road, Jogeshwari East, Mumbai 400060.

Services

Calculators

SmartCompare

Knowledge Hub

Contact

Reach out to us on :