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life insurance
generally people have misconception about life insurance. but frankly speaking it is very useful and so evryone as early as possible should go for it. in my view life insurance can be useful in the following ways:

1.protection of financial loss in case bread earner of family is not there to support.atleast 10times of the income it should be taken including ADB which is very economical.

2.for child education or marriage long term plans should be taken for atleast 15 years.

3.for illness coverage or mediclaim , not very expensive.

4.retirement solutions as everyone may be afraid of living a long life. so to support it we all should have it. we should start early otherwise we have to pay a handsome premium in later stages.

5.for investment in long terms specially ULIPS they give you good returns.

6.last but not the least for tax benefits.

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