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Insurance, Wealth and Tax Intelligence

Expert guides on Corporate Employee Benefits, Wealth and Investment Strategies, and Family Health and Life Protection written by IRDAI-registered advisors.

Corporate BenefitsSection 37(1)
Corporate Benefits6 min readPublished Sep 2026

Tax Benefits of Corporate Insurance Under Section 37(1) Explained

How 100% of Group Health (GMC), Personal Accident (GPA), and Keyman Insurance premiums qualify as fully deductible business expenses to optimize corporate balance sheets.

#Section 37(1)#Corporate Tax#Income Tax Act
By Corporate Taxation and Risk Advisory
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Investment and WealthSEBI Mutual Fund Categorization Framework
Investment and Wealth6 min readPublished Sep 2026

Corporate Treasury and Surplus Fund Management: Earning Superior Post-Tax Returns on Idle Cash

Why keeping surplus working capital in 0% interest current accounts burns cash, and how Indian MSMEs and startups earn 6.5% to 7.5% annualized returns using institutional liquid and arbitrage funds.

#Corporate Treasury#Surplus Funds#Liquid Funds
By Institutional Treasury and Corporate Advisory
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Individual ProtectionIRDAI Life Insurance Underwriting Guidelines
Individual Protection5 min readPublished Sep 2026

The 20x Rule: How to Accurately Calculate Your Term Life Insurance Sum Assured

A complete breakdown of Human Life Value (HLV), accounting for inflation, liabilities such as home loans, and children's higher education milestones to protect your family's future.

#Term Insurance#Human Life Value#20x Rule
By Life Underwriting and Personal Protection Team
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Individual ProtectionIRDAI Health Insurance Regulations
Individual Protection6 min readPublished Sep 2026

Why Your Employer Health Insurance (GMC) Is Never Enough: The Case for a Personal Mediclaim Policy

Explore the hidden vulnerabilities of relying solely on office health insurance: job transitions, layoff gaps, retirement cliff, strict room rent sub-limits, and losing out on young-age waiting period waivers.

#Health Insurance#Corporate GMC vs Retail#Mediclaim
By Senior Health Insurance Advisory
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