MyFundbox Financial Services

🎬 Finance Paulified!
Client Call #31: Axis Max Life Smart VIBE Plan 📉
Policy Snapshot :
• ₹1.55 lakh yearly premium
• 10-year payment term
• Policy term: 15 years
• Future income for 10 years
• ₹17 lakh life cover + multiple riders
On paper, the policy looks loaded with benefits:
Income benefits, boosters, milestone payouts, riders, etc.
But the IRR came out to around 4.24%.
If returns are not beating inflation, your money is not truly growing.
That’s why insurance and investment should usually stay separate.
• Buy insurance for protection
• Invest separately for wealth creation
Boojhe?
(Finance Paulified, Axis Max Life, Insta Wealth Plan, Insurance Awareness, Client Call, Anuj Paul)

🎬 Finance Paulified!
Client Call #28: Tata AIA Fortune Guarantee 📄
Policy Snapshot :
• ₹80,000 yearly premium
• 12-year payment term
• 13-year policy term
• Maturity amount around ₹13.8 lakhs
One thing nobody tells while selling policies:
What is the actual return? 🤔
After separating insurance cost from investment part,
the IRR came out to around 5.07%. 📉
Now compare that with inflation.
If your investment is not beating inflation,
is your wealth really growing?
The biggest problem today is that people don’t even know what returns they are getting in these policies.
Always check the actual IRR before buying any policy.
Boojhe?
(Finance Paulified, Tata AIA Fortune Guarantee, Financial Planning, Client Call, Anuj Paul)

🎬 Finance Paulified!
Client Call #24: ICICI Prudential Gold Plan 🪙
Policy Snapshot :
• ₹5 lakh yearly premium for 10 years
• Policy term: 29 years
• Death cover: ₹67 lakhs
• Maturity benefit in 2053 with bonus additions
After evaluating the policy with generous bonus assumptions,
the IRR came out to around 5.39%. 📉
Now think about this:
Average inflation in India is around 6%.
That’s the difference between: Saving money vs Creating wealth
Before buying any plan, always ask:
• What is the actual IRR?
• Is it beating inflation?
• Am I investing or just saving?
(Finance Paulified, ICICI Prudential Gold Plan, Insurance Awareness, Personal Finance, Financial Planning, Client Call, Anuj Paul)

🎬 Finance Paulified!
Client Call #22: Bank Mis-selling ⚠️
Client went for an FD.
Bank sold insurance policies instead.
One year later, they discovered:
“FD nahi hui… policy kaat di gayi.”
Two policies. Huge premiums.
One even had a 41-year term for a 59-year-old person. 😳
Worst part?
Early surrender meant massive losses.
This is why blindly trusting “bank recommendations” can be dangerous.
Always read:
• Policy bond
• Product type
• Lock-in & surrender terms
• IRR / actual returns
If you feel mis-selling happened,Free Look Period can save you.
Never sign or share OTPs without understanding the product.
(Finance Paulified, Bank Mis-selling, Insurance Mis-selling, PNB MetLife, ULIP, Financial Awareness, Personal Finance, FD vs Insurance, Client Call, Anuj Paul)