Investment jargons made easy| InCred Premier

InCred Premier is a new-age, holistic investment platform launched under the esteemed InCred Group banner. Our mission is to help our customers achieve their financial aspirations by providing a comprehensive range of financial products and services, all within one easy-to-use application. InCred Premier (Mvalu Technology Services Private Limited) is an AMFI registered Mutual Fund Distributor (ARN: 275918). InCred Premier is also registered with APMI having registration no: APRN00175.

InCred Premier offers a wide range of products and services to cater to your financial needs. We provide investment products and services such as Market Linked Debentures, Mutual Funds, Portfolio Management Services(PMS), Alternate Investment Funds(AIF), Bonds, Unlisted Equities, NCDs & Corporate FDs. We also provide financial services in – Personal Loans, Education Loans, and Business Loans.
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To invest with InCred Premier, simply contact us through our website or get in touch with one of our dedicated relationship managers. They will guide you through the application process and help you set up your account.
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Contact us: contact.us@incredpremier.com

As an InCred Premier customer, you can expect personalized service, innovative technology, and fresh ideas to advance your financial journey. We offer a holistic experience tailored to your specific needs and priorities. Our team of experts provides knowledge, and solutions to help you achieve your financial aspirations.

Yes, InCred Premier prioritizes the security and privacy of your personal and financial information. You can trust us to protect your privacy and provide a secure platform for your financial management.

Insurance works by providing financial protection against specific risks in exchange for a premium. When you purchase an insurance policy, you agree to pay regular premiums to the insurer. In return, the insurer commits to compensating you for covered losses or events, as per the terms of the policy.

Insurance premiums are determined based on factors like the type of insurance, coverage amount, age, health, lifestyle, and claim history. Higher risks, such as poor health or high-value assets, result in higher premiums. Add-ons like critical illness cover can also increase the cost.

Yes, certain types of insurance can be transferred, depending on the policy terms: Life Insurance: Typically, life insurance policies are non-transferable as they are tied to the insured individual. Health Insurance: You can port your health insurance to another insurer without losing benefits like the no-claim bonus, provided the porting request is made before the renewal date. Motor Insurance: If you sell your vehicle, the insurance policy can be transferred to the new owner with the insurer's approval. Always check the specific terms of your policy for transfer eligibility and procedures.

A savings plan in insurance is a policy that combines life coverage with a savings component, helping you accumulate funds for future needs, such as retirement or education.

Creating a savings plan ensures financial stability, helps achieve goals, and provides a cushion for emergencies or unforeseen expenses.

A child insurance plan is a policy designed to secure a child’s future by providing financial support for education, marriage, or other life goals in case of the parent’s untimely death.

• Child Endowment Plans: This plan combines life insurance with savings for future goals.
• Child ULIPs (Unit Linked Insurance Plans): This plan offers investment options alongside life cover.

Child insurance plans usually end when the child reaches adulthood (18 Years) or when the policy term is completed.

A child insurance plan provides financial security for a child’s future. It typically
covers life insurance for the parent, ensuring the child receives a lump sum in case
of an untimely demise. It also includes benefits like maturity payouts, education
funding, partial withdrawals, and waiver of premium, ensuring financial goals are met
even if the parent is no longer around.

Retirement plans help secure your financial future by providing a steady income after you stop working. They include Pension Plans (which ensure systematic savings) and Annuity Plans (which provide regular income payouts).

• Immediate Annuity: Payouts start right after investing.
• Deferred Annuity: Funds accumulate over time before payouts begin.

•    Regular income post-retirement
•    Flexible contributions & payouts
•    Lifetime income assurance
•    Choice of annuity options

A non-linked, non-participating annuity plan offering guaranteed lifetime income with options like life annuity, return of premium, early return, and increasing annuity. Flexible payout frequencies are available.

A unit-linked pension plan that helps build a retirement corpus with benefits like loyalty additions, flexibility in vesting date, and life cover of 105% of total premiums paid.

Term life insurance offers high coverage at low premiums, providing financial security for your family. It’s easy to buy online, with add-ons like critical illness and accidental disability riders for extra protection. It offers flexibility in premium payments (monthly or annually) and tax benefits under Section 80C.

Term life insurance provides affordable coverage, protection for critical illnesses and disabilities, long-term coverage, and flexible payouts. It also offers tax savings and additional coverage options through riders, ensuring comprehensive financial protection.

Term life insurance is ideal for parents, young professionals, newly married couples, working women, home buyers, business owners, and more. It provides financial protection for families, secures home loan repayments, and covers critical illness and death-related expenses.

You enter an agreement with the insurer, fill out a proposal form, assess your coverage needs, and calculate premiums. The policy provides protection for a specified period, with flexible payment options. In case of the policyholder’s death, the nominee receives the sum assured.

Key features include affordable premiums, long-term protection (up to age 75), adjustable coverage, and easy online purchase. It also offers tax benefits under Sections 80C and 80D (for specific riders) under Income Tax Act 1961 and coverage for critical illnesses, disabilities, and debts.

A ULIP is a life insurance plan that combines insurance coverage with investment in market-linked funds like equity, debt, or balanced funds.

Your premium is split—one part provides life insurance, and the other is invested in funds of your choice, growing based on market performance.

ULIPs have a mandatory lock-in period of 5 years, after which you can make partial withdrawals if needed.

Yes, most ULIPs allow free fund switching between equity, debt, and balanced funds during the policy term.

No, ULIP returns depend on market performance, so they are not guaranteed. The policyholder assumes the investment risk.

ULIPs offer life insurance protection, market-linked investment growth, fund-switching flexibility, and tax benefits under applicable laws.

It provides financial protection to your family in case of your death, covering expenses like debts, living costs, and education. Ideally, you should take adequate insurance cover for your Human Life Value (HLV).

You pay premiums, and the insurer provides a sum assured to your beneficiaries
upon your death or after a set period.

Human Life Value (HLV) is a financial measure that calculates the economic worth of an individual based on their earning potential, expenses, liabilities, and future financial contributions. It helps in determining the right amount of life insurance coverage required to secure one’s family in case of an untimely demise.

HLV can be calculated using Income Replacement Method, which estimates
future earnings by deducting personal expenses and multiplying by the
remaining working years. Using an HLV calculator or consulting a financial
advisor can help determine the ideal coverage.

Insurance Premium is calculated basis multiple factors like age, health, occupation,
sex, policy type, and sum assured of the proposer.