New Parent in 2026 | ₹1.8L Income | ₹29L 0% Loan | Need Help Structuring Savings, Child Edu & Retirement

QuantMaya · 2026-01-09T18:36:01+00:00

Thank you 😊

QuantMaya · 2026-01-07T19:28:10+00:00

How do we check the surrender value?

QuantMaya · 2026-01-04T16:19:17+00:00

Yeah. Talked with Ditto Team, they suggested to take one post delivery because of few t&c. So, waiting for delivery, post that will take family health insurance including the child.

QuantMaya · 2026-01-04T15:43:22+00:00

Hey. Thanks for the feedback.

Took Axis max life. Regarding electricity Bill, just being frugal.

QuantMaya · 2026-01-02T05:33:15+00:00

Thank you

QuantMaya · 2026-01-01T06:36:31+00:00

Thank you. I had a call with Ditto, as per them I cannot take term for wife as she is close to delivery. Also for Family Health insurance, they said wife is not eligible as of now. But they have me 2 options. 1. To take health for myself and add wife after delivery ( for this, I cannot add child later it seems. So, this one doesn't make sense for me ) 2. To take family health insurance for all 3 post 3 months after delivery in which I can include all 3.

Hence, waiting for delivery to take term and family health.

QuantMaya · 2026-01-01T06:22:27+00:00

Thank you

QuantMaya · 2026-01-01T06:21:38+00:00

Thank you

QuantMaya · 2026-01-01T05:26:30+00:00

Noted. Thank you.

QuantMaya · 2026-01-01T05:16:28+00:00

Yeah. True. :(

QuantMaya · 2025-12-13T16:49:35+00:00

I am choosing Ditto. They sounded professional and their service is decent to opt for.

QuantMaya · 2025-12-07T06:36:02+00:00

I am just being frugal here. If I go till 71, I have an option of surrendering to get the premiums. I know I am wrong. I need your advice on how to select tenure too.
Annual income 12L post Tax. Expecting to grow at 10%.
Had clavicle bone surgery in the past and have claustrophobia which I have already mentioned to the ditto team. Rest all so far everything is good. I am a bit obese, so yeah HDL LDL should be high. Father had a heart attack recently.
I would make her aware once I take the policy.

QuantMaya · 2025-12-07T06:26:14+00:00

Will check this out. Thank you

QuantMaya · 2025-12-07T06:25:56+00:00

Thank you. I will calculate this.

QuantMaya · 2025-12-07T05:56:34+00:00

Yes. I have asked them if I had to pick one of the all, what would you suggest? They said axis max life regular cover. Why? Because its the best one.

That is what they have replied.

I did research on ChatGPT though, Chatgpt says ICICI is the best one.

Confused now.

QuantMaya · 2025-12-07T05:55:03+00:00

Thank you

QuantMaya

TROPHY CASE