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In this episode of KwK, Kushal Lodha interviews Gajendra Kothari, a leading expert in financial planning and an advocate for strategic insurance management. With a Chartered Financial Analyst (CFA) qualification and two decades of experience, Gajendra has empowered countless individuals to navigate the complexities of personal finance. He is the Managing Director and CEO of Etica Wealth Management, a Mumbai-based firm specialising in holistic financial advisory services.

During the discussion, Gajendra highlights the crucial role insurance plays in creating a robust financial safety net. He emphasises that insurance is not just a product but a foundation for financial stability, protecting families from unforeseen risks like health emergencies or income loss. From term life policies to health and critical illness coverage, Gajendra explains how tailoring insurance to individual needs ensures financial resilience and peace of mind.

Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

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Timestamps

00:00 Introduction

03:17 Why should one buy Insurance?

06:18 What is Life Insurance?

08:56 Is Insurance an Investment?

09:39 What are Term Plans?

16:20 What is the premium required for 1 crore cover?

18:01 Gajendra's Term Plans

20:06 What is Claims Ratio?

22:23 How to calculate Benefits?

23:26 What if I miss a premium payment?

24:37 How to read Insurance T&Cs?

26:57 Which riders to buy in insurance?

28:55 How to choose Term Plan?

34:21 Insurance to handle Debt Obligations

41:02 Insurance vs Mutual Fund

45:51 3 Key Advice while buying insurance

48:58 How to avoid Mis-Selling?

50:35 What are Endowment Funds?

51:40 Don’t mix Insurance and Investment!

57:11 Busting Myths on insurance

1:02:51 Kushal’s Personal Experience

01:04:36 Changing Lifestyles

01:10:25 Medical Inflation

01:19:01 Avoid rejection of insurance claims by being honest

01:21:30 Reasons for Claim Rejection

01:26:20 Why the Increased Premiums

01:27:38 Top-up and Super Top-up plans

01:33:30 Critical Illness Cover

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