5 Questions You Must Ask Yourself at the End of Each Day

Most of us are so tired by the time we get to bed that we fail to reflect upon the day that has passed us by. The benefits of a little self-introspection cannot be over-stated. Whether it is knowing how far behind you are from achieving your goals to simply being aware of your everyday life, taking time for yourself can benefit you in manifold ways. Start doing this exercise from today and ask yourself these questions every night to see the difference.

1. What did I do today?

Our lives are such a busy mess that trying to filter productive work from wasted time becomes an important point to ponder upon at the end of each day. Unless you know how exactly you spent your time today you will continue to work haphazardly through your days, eventually getting frustrated and adding stress to your life. Ask yourself what you did and you should be able to see your day flow in chronological order for you to make sense of it.

2. What did I learn today?

Unless you learnt something that you didn't know, consider your day wasted. There is so much to learn and know about in our lives that you should have at least one Eureka moment every day. If you don't have them regularly subscribe to informative videos on YouTube or read a helpful Wikipedia page or just catch up on your professional field to see what the latest news on the sector is. Knowledge will set you free and take you ahead in life.

3. What made me laugh?

If you had a few moments of laughter in your day today, then savour them once again by thinking about them. Try to figure how you can have such moments each day. Unless you can laugh at something or someone's jokes, your day will seem dull and boring. Ensure that you spend a few minutes laughing even if it means watching your favourite 'FRIENDS' episode one more time!

4. What was I grateful for?

Find happiness in little things. Be grateful for the cab driver who did not crib about you not having change. Be grateful for your commute allowing you to reach work on time. Be grateful for your partner's call reminding you how much they love you. There is more to be grateful for than to crib about in our lives. Being grateful will in turn lead you to have better relationships and less stress in life

5. Did I move closer to my goal?

First things first. If you don't have a goal in life then think hard about it and write it down. Think big like owning your house in South Mumbai or travelling the world. Now, every night, before you go to sleep, ask yourself honestly if you did anything to move closer to your dream. This is the best question you can ask yourself to stay motivated and work relentlessly towards your goals.

New Childran's Money Back Policy 2015 - LIC

LIC’s New Children Money Back – Plan Table No. 832 (Launched on 4th March 2015)

LIC’s New Children’s Money Back Plan is a non-linked, with-profit, regular premium payment money back plan specially designed to meet various financial needs of children through Survival Benefits. It provides for the risk cover on the life of child during the policy term and number of survival benefits on surviving to the end of the specified duration’s.

Basic Features of New Children’s Money Back Plan (Table No 832)

• Minimum Age at Entry: 0 Years (Last Birthday)
• Maximum Age at Entry: 12 Years (Last Birthday)
• Proposer’s age :
  • Minimum – 18 years
  • Maximum – 55 years
• Min Sum Assured : 1 Lac
• Max Sum Assured : No limit
• Sum Assured Rebate:
  • upto 1.90 L = Nil
  • 2 to 4.90 L = Rs 2/-
  • 5 L & above = Rs 3/-
• Mode : All modes
• Mode rebate :
  • YLY- 2%
  • HLY- 1%
• Policy Term : 25 minus age i.e. 25 – Age
  • eg. Child’s age is 4 years then Policy term will be 25-4=21 Years
• Premium Term : 18 minus age
  • eg. Child’s age is 4 years then Premium term will be 18-4=14 Years
• PWB available (Premium Waiver Benefit Rider)
• Maturity for below Child Age
  • At 18 = 20% of SA
  • At 20 = 20% of SA
  • At 22 = 20% of SA
  • At 25 = 40% of SA + Bonus+ Final Additional Bonus
• Date of commencement of risk under the plan: In case the age at entry of the Life Assured is less than 8 years, the risk under this plan will commence either one day before the completion of 2 years from the date commencement of policy or one day before the policy anniversary coinciding with or immediately following the completion of 8 years of age, whichever is earlier. For those aged 8 years or more, risk will commence immediately.
• Surrender Value: The policy can be surrendered at any time during the policy term provided premiums have been paid for full three years.
• Loan: Loan facility is available under this plan after the payment of premiums for at least three full years and after obtaining the declaration from the proposer to the effect that loan is raised for the benefit of the minor life assured.
• Suicide Clause: This policy shall be void
• 1. If the Life Assured (whether sane or insane) commits suicide at any time within 12 months from the date of commencement of risk, the Corporation will not entertain any claim under this policy except for 80% of the premiums paid excluding any taxes and extra premium, if any, provided the policy is in force. This clause shall not be applicable in case age at entry of the Life Assured is below 8 years.
• 2. If the Life Assured (whether sane or insane) commits suicide within 12 months from date of revival, an amount which is higher of 80% of the premiums paid till the date of death (excluding any taxes and extra premium, if any,) or the surrender value shall be payable. The Corporation will not entertain any other claim under this policy. This clause shall not be applicable:
  1. in case the age of the Life Assured is below 8 years at the time of revival; or
  2. for a policy lapsed without acquiring paid-up value and nothing shall be payable under such policies.
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