Moneylife IMPACT: Reliance Life refunds Rs3 lakh to an illiterate old widow

Reliance Life’s goodwill gesture of refunding Rs3 lakh to an illiterate widow, having a handicapped son, made a wonderful New Year gift. The fund value of her ULIP was only Rs1 lakh. The case which was taken to the insurer on humanitarian grounds was solved in a couple of days

Reliance Life has refunded Rs3 lakh to an illiterate 70-year old widow with totally handicapped son. She was mis-sold Reliance Super Market Return Plan (ULIP) in December 2009. Within a couple of days of Moneylife Foundation approaching Reliance Life with the humanitarian request, the policyholder has been offered a full refund of three years (Rs3 lakh) even though the fund value is a mere Rs1 lakh. The widow has been living on a meagre income along with her handicapped son. The refund has been completed, which is like a New Year’s gift to the old widow.
 

An insurance agent had approached the widow four years back and explained that if she pays one lakh premium annually, the policy will provide an insurance cover of Rs8.50 lakh. In case of her death, the handicapped son will get Rs8.50 lakh and he will not have a problem of livelihood. He also explained that if she pays for three years then she can withdraw all the money, however, coverage will continue for rest of her life. On this explanation, the poor widow took the insurance with the hope that her son will have a peaceful life after her death. She thought that she would get back Rs3 lakh after three years and the insurance cover will continue till her death.
 

It was a clear case of mis-selling. After four years, the fund value is Rs1.06 lakh due to hefty mortality charges, other charges and equity exposure. Would the old lady have known that in the last four years, Rs1.41 lakh went towards the risk cover? Does the agent who sold the policy even understand the risk cover charges at old age; why make promise of getting full money back after three years? Does illiterate person even understand what is meant by equity exposure let alone know anything about ULIP?

 

But, this is how ULIPs have been mis-sold by several life insurance companies. ULIPs sold before September 2010 had gigantic front-loaded charges, which made it lucrative for agents to make false promises to sell the product by hook or crook. It did not matter whether the buyer is getting a raw deal; getting big agent commission was the sole objective.
 

Recently, Reliance Life call centre told the old widow that if the fund value goes below one lakh then insurance policy would auto-surrender. She was asked to make fourth premium payment to keep the policy in-force. She and her son were shocked to hear that she can only get Rs1.06 lakh back in case of policy surrender. Moneylife Foundation Insurance Helpline was approached by one of her acquaintance as she was not in a position to write.
 

Moneylife Foundation is glad that Reliance Life took only couple of days to make offer for refund of full premium of Rs3 lakh. She has been given the full refund. A nice gesture from Reliance Life to the old widow will be remembered by her and son for a lifetime.

The year 2013 began with Reliance Life refunding Rs12 lakh investment along with Rs1.75 lakh interest, which is about 7.5% per annum to Arvind Injamuri. He was given justice after Moneylife Foundation fought for his case for nearly a year. Mr Injamuri, 65 years old, a standard 9th failed, retired railway employee living at Solapur, put his retirement kitty in insurance products. He was given false lure of TVS Scooty Pep which was part of agent “Fantastic Contest”.
 

All the nine policies had been issued in the names of his family members as Mr Injamuri did not qualify for highest NAV policies. He was seriously, and correctly, worried about inaccurate personal details, wrong or unidentifiable photos, PAN details of sister when she had never applied for one and forged signatures in the policy documents have rendered them worthless, since there are bound to be issues if and when a claim has to be made.
 

Read - Reliance Life ULIP mis-selling: Justice served

 

How you can get ripped off by the staff of insurance company themselves!

 

Moneylife Foundation’s Insurance Helpline was started in 2013. We have received and solved all the 24 cases of Reliance Life insurance policy sold with a bait of fraudulent “interest-free loans” of 10 times the premium from Reliance Capital. In 23 out of 24 cases, Reliance Life’s corporate agent AB Capital was involved. The total refund made by Reliance Life has been Rs12.74 lakh. Three more AB Capital fraud selling cases have been taken up last week and we are awaiting response for the same.

 

Read -Reliance Life’s corporate agent AB Capital offers to help victims of fraudulent “interest-free loan”

 

Is Reliance Life’s corporate agent AB Capital involved in fraudulent “interest-free loan” offers? Will Reliance or the regulators initiate action?
 

Is Reliance offering 10-year interest-free loan for buying insurance?

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    COMMENTS

    Ashish

    1 year ago

    Dear sir
    Two years ago I had first time bought an life insurance with money back plan. While selling policy the insurance advisor said that whenever I would terminate the policy, I would get full refund of premiums paid plus interest on paid premiums and he did not give me any information about surrender value that time.
    A booklet sent by insurance company after paying first premium in which surrender value was explained, but I could not correctly understood the meaning of surrender value that time. I thought it was a additional percentage of interest beside full amount of premiums refund on surrender as told by advisor while selling policy.
    Now I want to terminate/surrender the policy due to some economical problems; but when I contacted the insurance branch, they says that I will not get full refund of two premium amount that I had paid.
    When I contacted advisor he blame on me that I misunderstood what he said,while my parents also listen and understand the same thing.
    This is totally a fraud for me.
    Please help me what should I do so that I get full refund of my premiums.

    megha5262

    2 years ago

    Thanks to Money Life, illiteracy in insurance segment because of illiterate agent not insurer , for that IRDA should very strict on "Agency Terms" My request to Money Life please arrange camp for "Agent"

    Shirish Sadanand Shanbhag

    5 years ago

    It is a highly commendable service by Moneylife Foundation's Insurance Help Line, to help financially weak victims to get them their hard earned money invested in Insurance produces in
    mis-selling by greedy Insurance Advisors.
    There is no consumer awareness of Insurance in our country. Therefore, these insurance agents or advisors make quick business to get themselves a fat commission and incentives from Insurance Companies by mis-selling of insurance products.

    R P SHIVKUMAR

    6 years ago

    There have been persons claiming to be from IRDA who advises us to invest certain amounts in Reliance Life Insurance on a earlier policy which also was issued on a promise of a higher maturity amount on investment in some other company. When I made a complaint to the IRDA's mail giving specific phone details of the person, IRDA's reply was disappointing and only said that please do not attend such calls instead of taking action

    REPLY

    sreenath

    In Reply to R P SHIVKUMAR 6 years ago

    sathya cumaran
    operational head india
    singapore media and channel group

    All these insitutions such as IRDA SEBI NSE BSE who are all hand in glow with these companies because they have been regularly bribed these firms in form of monetarily or other kind of gift so these institution would never take any action the only thing we can do is to approach organisations like moneylife foundation or AAP or now lokayuta is coming up when it comes along with our allegations we can put forth our case and last resort would be expose the official corruption in media and channel like our organisation but this would back fire on the credibility of indian administration which would be disgrace for our country so we have to wait and watch but above all GOD is there he would be proctect our hard earned savings let us pray sincerely

    sreenath

    6 years ago

    sathya cumaran
    operational head india
    singapore media and channel roup
    Similar goodwill gesture good be made by Moneylife in case misuse of POA so that many investors like me and Airmashal Shri mohan raj could be benefitted we expct smt Sucheta Dalal to take up this case so that stock market could be revived this request is kept on behalf of our organisation please take care as i myself is an affected person in twwo firms one is India Infoline stock broking firm and other Reliance securities please help me

    Yerram Raju Behara

    6 years ago

    A highly commendable achievement for Moneylife Foundation and a graceful act of Reliance. Congratulations.

    R P SHIVKUMAR

    6 years ago

    I have made a complaint to Reliance Life Insurance for some malpractices in which my Rs 1.81 lakhs has been blocked. All policies of Rs 1.26 lakhs were applied for on the basis of a premium which was pd for 1 year and then refunded. This was done to remove the agent code in my ICICI Wealth policy. I was assured by the agents that all amounts would be refunded. Besides this, Rs 55000 was pd on the promise of higher bonus . But i have neither got policies of Rs 35000 nor the higher bonus of Rs 195000. A company is responsible for the action of its agents and cannot evade responsibilities. It has to recover the amount from the agents, if they make some false statements. I am hoping to recieve my money back as was in the case with Birla Sun Life Insurance where i got my money back.
    Else, i will be forwarding the mail to IRDA and moneylife
    R P Shivkumar
    [email protected]
    9820213945

    sathyacumaran

    6 years ago

    sathyacumaran
    operational head india
    singapore media and channel group
    since moneylife is doing many service as an fellow journalist and media personality we wish if they help me this an personal and selfish interest trusted on moneylife we trust moneylife would helpus its enough if the money life just sends an letter to India infoline and reliance securities about the problem faced by the client then authomatically it would be solved we request this help from moneylife foundation

    raj

    6 years ago

    Thank you all for nice feedback.

    sreenath

    6 years ago

    sathyacumran
    operational head
    singapore media and channel group
    thanks to mahesh jain mail vent that media is not attaching much importance but we are bound by our ethics and even when we want to express our idea the industry is threatened by goodas and afterall we are also human being having family but bold organisation like money life foundation where our madam sucheta dalal has bold enough to fight and try to get justice we as an journalsit should get boldness from such journalist hats offs its not the media is softpeddaling but they are threateneded and blackmailed and their advt other linked would affect our media and channel hence we have to soft peddal suhc is situation our position is walking in knife edge one side clients like mahesh jain who pin point we have not raised to occassion in not exposing the fact otherside we threat from the exposed houses you could have informed us we could have sorted this issue as such we are helpless please consider our position and help us thanks for your valuable suggesstion

    sreenath

    6 years ago

    sathyacumaran
    operational head india
    singapore media and channel group
    thanks for the maiden effort of money life the same kind of effort is need for the misuse of POA by the stock brokers when the time of opening of account without mentioning that it has POA which could be used for squaring up of your position without the clients knowledge is not initmated to client of investor even if they inform and if the client give an letter either hardcopy or softcopy the stockbroking firms never honors and they misuse the POA my case in both the broking houses one is india infoline stock broking firm and other Reliance securities in later case they denied that they have received any such letter but as an affected party i have solid proof for having issued the letter during the course of the trade i had chnaged the bank mandated for which i had signed the official form issued by the company alongwith the proof i have again attached the proof when the bank mandate had been correctly changed but the revocation of POA and removal from margin funding had not been incorporated which as an investors consider as unauthroised trade we humbly request Moneylife to go into the case and get justice for fellow journalist and media personality we can go to international platform but it would affect our stock market which is not warranted if only moneylife put forth this case to concern broking house the matter would be solved we need help from moneylife foundation we expect moneylife would help us

    mahesh jain

    6 years ago

    Goon corporates always ready to loot the people... most of he media dont want to attend such issues

    Prem Panjwani

    6 years ago

    if any one share this with the agent who have done this miselling, if he is able to read and realise what due to his misselling client have to suffer...It is the gesture from Reliance to refund with the help of Money life...Normally companies do not refund .....It is black dot on the agency professionals.....

    dv

    6 years ago

    Heart warming. Really outstanding effort. I know how difficult it is to get even a paisa out as a refund against revenue that was booked even as far back as ONE quarter. That too from Reliance.

    In my book, this is the sort of effort that should be recognised with a high ranking civilian award.

    Keep it going ML.

    Suiketu Shah

    6 years ago

    Full credit to moneylife congrats.I must say Mr Mukesh Ambani and Mr Anil Ambani's companies are quite different from that of other big industrialists.They donot argue and settle issues quickyl where there is a wrongdoing.Several other competitors of Reliance try to cover their wrongdoings everywhich way.Not so with Reliance which we have also recently seen in teh case where someone rom Reliance was involved in Peddar Rd car accident.

    Well done ml.

    LIC agents’ last hullabol for selling your “favourite” traditional products

    Fear-mongering works well in finance. LIC offices and their agents are making last ditch efforts to push sales with display boards stating that your “favourite” traditional products are getting over.

    You may have seen Life Insurance Corporation of India (LIC) agent offices putting up display boards stating that your “favourite” products like Jeevan Anand, Jeevan Tarang, Bima Bachat, etc are getting over and hence this is the time to make a buy. The limited time offers are always enticing for customers. LIC advertisements in print and TV are geared to ensure that customers bite the bait of buying the known than waiting for the unknown next year.
     

    It matters little that new traditional products from 2014 will be better than the existing products. The prior deadline of 30th September was fabulous business for LIC with three times the monthly business for individual single premium and two times for individual non-single premium business when compared to monthly figures for pre-September 2013.
     

    Read about the new changes in traditional products from January 2014 - LIC agents’ last hullabol for selling traditional products before service tax regime
     

    LIC September 2013 figures show Rs2,153 crore business for individual single premium and Rs3,603 crore for individual non-single premium. The pre-September 2013 monthly numbers were approximately Rs700 crore for individual single premium and Rs1,500 crore for individual non-single premium. It is clear that LIC benefitted with  Insurance Regulatory and Development Authority (IRDA) previous deadline of 30th September to make way for traditional products compliant with new guidelines. IRDA postponed the deadline to 31st December, which gives LIC another opportunity to make another last push. The sales pitch, with service tax to be levied separately, also helped with increased business and will continue till the end of December 2013.
     

    A sudden spike in life insurance sales would make one wonder if IRDA new guidelines for traditional products are good for customer or it is just agents’ mis-selling for own benefit. LIC advertisements actually undermine IRDA efforts to make traditional products better for consumers. ‘Make a quick sale’ seems to be the mantra as insurance companies belie the benefits that new guidelines for traditional products will offer.
     

    It is unfortunate that many single insurance products are mis-sold as the consumer is made to believe that the corpus at end of the policy term will be tax-free. These products offer low insurance cover of 1.25 times the single premium and hence tax-free corpus is out of question and even 80C benefits will be minimal.
     

    Insurance products give you deduction of up to Rs1,00,000 from taxable income under 80C, subject to the life cover being at least ten times the premium. If it is less than the minimum, the amount that can be claimed under Section 80C for tax savings reduces appropriately. For example, if you take a single premium insurance policy with life cover of 1.25 times, then the amount claimed under 80C will be only Rs12,500 for Rs100,000 premium paid. The tax benefit at the time of maturity is not applicable in this example.
     

    So, why are some investors putting lakhs in single premium products like LIC Bima Bachat? Are these investors under impression that they can just show the returns from the product as tax-free? So, people just don’t put the corpus as taxable? No TDS also helps as there is no tracking. Taxable corpus just flies below the radar of IT department as tax-free life insurance corpus?
     

    Usha Sangwan, first woman MD of LIC recently told Business Standard “Our blockbuster products that are launched every year had been closed-ended products. However, one particular policy - Bima Bachat - has been our evergreen blockbuster product with risk coverage and decent returns. So, we did not feel the need for any blockbuster product this year. We will be looking at launching a variant of this product.”
     

    “Our performance in September was excellent. Earlier rules had said the new product regime would be implemented from October onwards, and September was supposed to be the last month in the old regime. In September, we had 91% market share in number of policies. We had 100% increase in business, despite volatility in the market. We collected Rs6,000 crore of new business premia for September. With old products being phased out, we are expecting a huge rush in December too.”

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    User

    COMMENTS

    shivakumar A

    5 years ago

    What do you mean by Insurance Agents buy what they sell?
    Do you mean to say that we buy from Private companies???
    Please ask Top LIC Agents. As an Agent I applied for Rs. 1.20 Crore Life Insurance. But my proposal was postponed due to health conditions by LIC. I was having sugar problem, Kidney stone and Hypertension.

    I am one of the TOP LIC Agent from Bangalore. 4 Times MDRT qualifier and Branch Topper.
    But LIC postponed the proposals for 6 months.
    Rule is for everyone unlike others. I am waiting for 6 months to complete. I am not interested to go to any other company. I may get policy for less premium but i don't want my nominees to suffer.

    Dhaval Shahshikant Shah null

    6 years ago

    Article of monetife is Eye opener. Really good. I m IFA & A LIC AGENT.
    The author is written absolutEly factful & truthful.
    I agree that A big Term plan as pet ur capital need analysis + SIP OR RECURRING DEPENDS ON UR RISK TAKING ABILITY IS VERY GOOD SOLUTION FOR ANY ONE. I named as :TERM SIP. Now LIC also offer Online Term.plan shortly.
    SIP IN MUTUAL FUNDS OR RECURRING IN POST OR BANK OR GOOD CO LIKE HDFC IS VERY GOOD COMBO BUT SORRY TO SAY BUT PEOPLE IN INDIA ONLY 5 % WILL CONTINUE SIP OR RECURRING FOR LONG TERM.
    After 5 yr of Exp as IFA ; I CAN SAY still people not believe in Advisor but in Agents..So in.many cases v hav to follow the mass mania otherwise v hav to left our buisness & some other will catch ur cheese butter.

    Dhaval Shahshikant Shah null

    6 years ago

    Article of monetife is Eye opener. Really good. I m IFA & A LIC AGENT.
    The author is written absolutEly factful & truthful.
    I agree that A big Term plan as pet ur capital need analysis + SIP OR RECURRING DEPENDS ON UR RISK TAKING ABILITY IS VERY GOOD SOLUTION FOR ANY ONE. I named as :TERM SIP. Now LIC also offer Online Term.plan shortly.
    SIP IN MUTUAL FUNDS OR RECURRING IN POST OR BANK OR GOOD CO LIKE HDFC IS VERY GOOD COMBO BUT SORRY TO SAY BUT PEOPLE IN INDIA ONLY 5 % WILL CONTINUE SIP OR RECURRING FOR LONG TERM.
    After 5 yr of Exp as IFA ; I CAN SAY still people not believe in Advisor but in Agents..So in.many cases v hav to follow the mass mania otherwise v hav to left our buisness & some other will catch ur cheese butter.

    AJAY BIRENDRA SINGH

    6 years ago

    Agents of Life Insurance cos. it may be of any company is not promoting Term Insurance, especially LIC Agents never promote Term Insurance, thanks to private life insurance companies selling online term insurance, which is much cheaper than LIC.
    Term Insurance and SIP in the mutual fund is best for investmet.
    AJAY SINGH, NAGPUR

    divya

    6 years ago

    I will tell you why people trust LIC.
    1. they have seen how LIC behaves when presented with a claim on insurance.
    2. they do not trust so called financial experts who inspite of their so called knowledge could not stop share market to decline that fast. People have lost lots of money in mutual fund and shares in the past so you have lost credibility.

    I read an article that mutual funds have had worst year in returns this year even after markets doing well.
    now why do I trust you when you say ditch lic, fd and invest with you

    sivasankaran

    6 years ago

    WHAT IS IRDA DOING?CANNOT THE AUTHORITY STOP MIS-SELLING?IT APPEARS THAT THE AUTHORITY IS IN HAND IN GLOVE WITH THE INSURANCE COMPANIES IN LOOTING THE GULLIBLE COMMON MAN

    REPLY

    divya

    In Reply to sivasankaran 6 years ago

    both customers and agents are to be blamed for miselling. For example when you take a 15 year endowment policy always ask your agent to show it with a proof how much actual money would you have got had you invested in 1998

    raj

    In Reply to divya 6 years ago

    Past returns do not mean much for future earnings. LIC bonus rates have gone down, but agent will never tell you that. Moreover, endowment of 15+ years will have better bonus than 15 year endowment. Will the agent guide properly?

    Mahesh Krishnamurthy

    In Reply to raj 6 years ago

    I would always recommend/prefer a Term insurance to that of an endowment policy.
    Would you agree Mr.Raj?
    I have seen so many AGENTS not promoting Term Policy.

    Swaroop C H

    6 years ago

    Thank you Mr. Raj for this timely article!

    REPLY

    raj

    In Reply to Swaroop C H 6 years ago

    you are welcome!

    sunil bhagat

    6 years ago

    Another big selling point in Bima Bachat has been the instant loan facility of 63% of the premium paid. If u do so in 2nd yr it is 81%,and 93% if taken in the 3rd yr. The businessmen have taken to this as they can leverage the same in their businesses, besides getting money back every 4th yr beginning.
    Ofcourse the final return is a big question

    yogesh mahla

    6 years ago

    Frankly speaking i do not understand why people buy these policies which always give lesser returns than which can be achieved by shares/Mutual funds. I agree that everybody is not comfortable with equities but then there are other options like PPF/Recurring deposits. Insurance can be taken care by buying a term plan.

    I sometimes feel that government should make buying term plan( i emphasize "only term plan" ,no ULIP or other fancy schemes compulsory for every earning member of the family. If we can have vehicle insurance compulsory then why not term plan.

    Any enlightened member on this forum can clear my this doubt as i am not able to find a reason why it is not being implemented by government. Just imagine it can help so many poor families who face financial problems when somebody from there family who was the sole earning member is no more.

    REPLY

    divya

    In Reply to yogesh mahla 6 years ago

    It is not that simple , use rate function in excel to calculate for policies that are more than 20 year term. Remember all that amount is tax free and for a person in highest tax bracket it is a decent return.
    key is not to put all things in same basket so use lic polcy as one part of your debt instrument.

    raj

    In Reply to yogesh mahla 6 years ago

    Many people want something back if they don't die. Term plan is the best option, but is looked as waste of money if there is no death. Due to this, insurance cum investment is sold and bought even though the returns are low. Agent commission is important and hence insurance cum investment plans are sold heavily.

    divya

    In Reply to raj 6 years ago

    a person needs to be wise while selecting products they buy.

    you should not blindly trust any sales person.
    Mutual funds agents and banks earn almost the same money but public is just aware of commission by lic agent.
    most of them are actually poor lowly educated people. I had read this somewhere more than % lic agents do not even earn 50 thousand rupees per annum.

    raj

    In Reply to divya 6 years ago

    that's another reason for not selling the term plan, which is best suited for insurance cover. Agent commission matters more than customer benefit. Customers end up with low insurance cover and low returns from insurance products.

    DIPAK KESHAV DANDEKAR

    In Reply to yogesh mahla 6 years ago

    mr yogesh

    i agree what you said on term plan. but my personal experience is that when i go for selling term plan. when i talk about term plan client says no i want something in return from the policy. this is my personal experience. irda should do it about term plan mandatory.

    yogesh mahla

    In Reply to DIPAK KESHAV DANDEKAR 6 years ago

    Hello Mr Dipak,

    You are 100% correct regarding the returns expected by people for money they pay for insurance. But that is the whole point when people cannot decide what is better for themselves then it has to be forced upon them. I am amazed this point is never discussed and projected by insurance companies. If this becomes compulsory then it will be good for insurance companies also.

    sunil bhagat

    In Reply to yogesh mahla 6 years ago

    Dear Sir,
    LIC of India is not interested in selling term plans. this i am telling u from practical experience as an LIC agent. Policy completion takes a lot mroe time and in case of medical problems the premium is scaled up tremendously. Even if completed we do not get the document for a long period of time in some branches.LIC is happy to sell endowmwnt and moneyback plans. The basic agent does not understand the concept of term plans in light of financial planning for the customer.

    yogesh mahla

    In Reply to sunil bhagat 6 years ago

    Dear Mr Bhagat,

    I fully understand your point, but what i am saying is ..in order to provide some sort of financial security to the people term plans must be made compulsory. And when i say compulsory then it is not a matter of choice. Like in case of bank there is provision for "priority sector lending" where in banks have to lend money to SMEs, farmers etc..it doesn't matter whether banks like it or not they have to lend money to these people. Similarly ,it must be compulsory for people to remain insured at all points of time during there life. You will agree that term plans are the best form of insurance and maximum number of people should use them. insurance companies will also gain since volumes will increase.

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