Which one do you prefer?

Submitted by liaoyu03 on Sat, 09/08/2007 - 18:13

Would you prefer just insurance or insurance plus investment? Today there are so many insurance that include investment in their portfolio. Which one do you prefer and why do you choose that?

Posted: 29 Jan 2009 09:49 Post Subject: Insurance

Insurance for me. Investments are risky. I'd rather just be covered. ^_^
Thank you for your post! God bless you! Good luck.

Posted: 30 Jan 2009 08:51 Post Subject:

Barbara, I think everyone likes to get little more than what they are getting right now, and when you can get investment benefits along with the coverage, why not take it.

Just my thought :)

Posted: 09 Feb 2009 02:15 Post Subject:

Consider insurance as an investment for your family. Choose the best option that can help your family to tide over the great loss in the event of your death at least financially.

Posted: 05 Apr 2009 03:04 Post Subject:

Investment is always risky. But if you want to take the risk then maybe you can try an insurance with investment. There will be always something good and not good in every option. If i were to choose i will go for the insurance with investment, its not just because i am willing to take the risk but i see it as an opportunity that i can have. Provided that the insurance company got good reputation, stabilize and well trusted. Its an investment, so before investing it would be wise if we do some information seeking.

Posted: 05 Apr 2009 03:51 Post Subject:

The OP's question above is so vague that it is impossible to give a true and informed answer. There are situations where you would want to have insurance with an "investment" side and situations where you wouldn't. Without the OP giving a few more details we would all be taking blind stabs at answering the question.

Posted: 05 Apr 2009 05:50 Post Subject:

Would you prefer just insurance or insurrance plus investment

i will prefer insurance only.will you repair your 4 wheeler car from any carpenter? No. so similarely primary object to seek service from the insurance company is to have insurance.

Although they do offer the schemes which are related to investments but never ever opt for the variable annuity schemes rather if you want to have a tax rebate on your income then you can use the fixed annuities of insurance company as investment.but only for tax purpose use this service.

Posted: 07 Apr 2009 06:58 Post Subject:

Would you prefer just insurance or insurance plus investment?

Insurance definitely has an insurance side to it, but it is certainly not a potential investment option. The returns are no where near to any SIP. To me mutual funds are safer than stocks and offer better returns than insurance schemes.

Posted: 09 Sep 2009 08:23 Post Subject: High Investment return Guaranted !


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[i.d removed as per forum rules]

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Posted: 07 Dec 2009 03:57 Post Subject:

Insurance with returns (investment benefits) is a good option for people those really don't have time or knowledge of financial markets, or both. However, in case you look at the net returns which Insurance companies offer are normally on the lower side. So, in case you have some understanding of financial markets than try doing it on your own, or through some MF and you will be surely better placed.

In view of the above I always consider them seperately by risk cover from Insurance Company, and investing for returns on my own in the market either directly (in select scripts) or through mutual funds.

Posted: 26 Mar 2010 11:17 Post Subject:

I 'll prefer only insurance. because investment can be risky

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