NRV for LTF infinia?

[athar_007]

What NRV with HDFC Bank could get me LTF INFINIA metal?

 

[shivamk]

Per year for 5 years

Too high and not sure it's ULIP, @SSV can confirm

 

[SSV]

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Per year for 5 years

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Just utter waste

 

[shivamk]

Just utter waste

Gold for BM

 

[SSV]

Gold for BM

May be even more than Gold in this case

 

[cc_dc_explorer]

Just utter waste

I don’t know what to do. I’m ok with paid Infinia as well without this policies. However, Without this policies they are not giving the cards.

One thing I don’t understand if I do not fulfill the one of the three Infinia criteria and I’m not eligible how does taking this kind of policy makes me eligible to get Infinia

 

[SSV]

I don’t know what to do. I’m ok with paid Infinia as well without this policies. However, Without this policies they are not giving the cards.

One thing I don’t understand if I do not fulfill the one of the three Infinia criteria and I’m not eligible how does taking this kind of policy makes me eligible to get Infinia

They will take waiver on those ineligible criteria based on ULIP and forward your upgrade request to the infinia team

 

[cc_dc_explorer]

May be even more than Gold in this case

@SSV @shivamk
Can you pls help me to get Infinia ? Paid is also fine but without these junks policies.

 

[SSV]

@SSV @shivamk
Can you pls help me to get Infinia ? Paid is also fine but without these junks policies.

Infinia metal isnonly given as FYF for everyone.
Total LTF Infinia Metal are less than 100 across India( my guess) so don't take the word of someone giving you infinia meralmltf based on any policies

 

[cc_dc_explorer]

@SSV @shivamk
Can you pls help me to get Infinia ? Paid is also fine but without these junks policies.

They have sent me this form to fill and send . How should I deny them now. . I’m bad at saying NO after saying YES

 

[cc_dc_explorer]

Infinia metal isnonly given as FYF for everyone.
Total LTF Infinia Metal are less than 100 across India( my guess) so don't take the word of someone giving you infinia meralmltf based on any policies

So to get this without policies what can I do?

 

[SSV]

They have sent me this form to fill and send . How should I deny them now. . I’m bad at saying NO after saying YES

Don't say anything.. that's it

 

[SSV]

So to get this without policies what can I do?

Fulfill all the criteria
or. someone within hdfc should take waiver on behalf of you

 

[cc_dc_explorer]

From my call with them, they told me that every month they have 15 slots which they can send for approval. Out of which 4-5 are based on who take these policies and the remaining based on fulfilling the eligibility.

Also from my previous relationship with diffferent bank I got to know that they get 25-50% commission on each policy first year premium amount

 

[vs4vijay]

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Do not take this shit, I had this ULIP from last 2 year, this year was 3rd year and I stopped making payment. better to invest in MF and Term Insurance separately.

 

[shivamk]

They have sent me this form to fill and send . How should I deny them now. . I’m bad at saying NO after saying YES

Dude it's your money. It's your decision to invest, it's yours to not, it's yours to retreat back. Why to be hesitant. The bank is doing no good for you in this case. They are only earning hefty commission out of your pocket.

Stay away!

 

[cc_dc_explorer]

Dude it's your money. It's your decision to invest, it's yours to not, it's yours to retreat back. Why to be hesitant. The bank is doing no good for you in this case. They are only earning hefty commission out of your pocket.

Stay away!

Thank you! I will tell them, I will not go for this savings plan. Also, for Renewal fees waiver, 10L spends is required. Does this 10L take into account total transaction or there is any exclusion like rent, insurance, wallet load, cash withdraw etc...will not be considered ?

 

[shivamk]

Thank you! I will tell them, I will not go for this savings plan. Also, for Renewal fees waiver, 10L spends is required. Does this 10L take into account total transaction or there is any exclusion like rent, insurance, wallet load, cash withdraw etc...will not be considered ?

Sorry but I am not sure about exclusions. @SSV please share in case you are aware of any exclusions.

 

[cc_dc_explorer]

Sorry but I am not sure about exclusions. @SSV please share in case you are aware of any exclusions.

Also , let’s say I want to fulfill the criteria for Infinia of 8L spends on my Diners club privilege, so total statement sum of last 6 month is considered or some exclusions are also here like rent, education etc?

 

[Kumar93196]

Also , let’s say I want to fulfill the criteria for Infinia of 8L spends on my Diners club privilege, so total statement sum of last 6 month is considered or some exclusions are also here like rent, education etc?

He's outstation RN. So both have to wait till he comes back

Sorry but I am not sure about exclusions. @SSV please share in case you are aware of any exclusions.

 

[shivamk]

Also , let’s say I want to fulfill the criteria for Infinia of 8L spends on my Diners club privilege, so total statement sum of last 6 month is considered or some exclusions are also here like rent, education etc?

Not sure again, don't want to give false information