Budget 2026 could be a decisive moment for the insurance sector. Investment came after 100% FDI, but India’s protection gap of more than 70% is also a big challenge. The demand of the industry is clear – 18% GST should be reduced on health and term insurance, separate tax benefit should be given for life insurance under Section 80C, and more relief should be given on health cover of senior citizens. Insurance can become simple, transparent and affordable with digital reforms like composite licensing and Bima Sugam. If the scope of Ayushman Bharat also increases, then crores of middle-class families will get safety. Budget 2026 is not just numbers, but can make insurance the real safety shield of Aam Aadmi.

To secure the financial future of children, the government has issued new guidelines for NPS Vatsalya Scheme, which came out in the circular of PFRDA dated January 7, 2026. Under this scheme announced in the Union Budget 2024-25, parents and guardians can open pension accounts in the name of their minor children, so that retirement planning can start from an early age. It has the facility of investment with minimum annual contribution. Asset allocation is flexible, allowing up to 75% investment in equities, as well as options in government securities and corporate bonds. Limited partial withdrawal is possible for educational or medical needs. At the age of 18 years, the account can be converted into regular NPS or exit can be taken. Experts consider it a strong way of long-term disciplined savings.

If you want to secure your financial future, then this news is very important for you. Life Insurance Corporation of India (LIC) has taken two big steps in the beginning of the year 2026, which can make financial planning of you and your family easier. First, LIC Jeevan Utsav Single Premium Plan, which will be applicable from 12 January 2026. This is a non-par, non-linked, individual savings and whole life insurance plan, in which by paying a premium once, you can get insurance cover for a long time. However, its complete details are yet to be announced.

As soon as the new year starts, we take big resolutions to improve fitness, career and lifestyle, but if your financial life is not strong then everything else remains incomplete.

The wisest start to 2026 can be with financial discipline. In this video we will talk about those important financial resolutions that lead you towards a stress-free and secure life.

First of all, we will understand why it is important to make a monthly budget and how the 50-30-20 rule gives the right direction to your money.

After this you will know the importance of emergency fund, which becomes your biggest strength in case of job loss or medical emergency. We will also discuss control over impulse spending, protection from online shopping and credit card traps, SIP discipline, smart investment, loan management, insurance and tax planning. Remember, the new year is not only an opportunity to earn but also to manage it properly.

Do you want to invest your earnings in a place where the money is safe, there is no market risk and you get fixed pension every year after retirement? If yes, then this video is for you. In this we will understand in detail

About LIC New Jeevan Shanti Plan, which is a deferred annuity i.e. pension plan. In this plan you do not need to make monthly investment, rather you have to invest lump sum amount only once.

After the fixed deferment period, you start getting lifetime guaranteed pension. In the video, we will explain how this plan works, what are the single life and joint life options, how the pension amount is calculated and how much pension you can get through a real example.

If you want financial security and assured income after retirement, then this video can prove to be very useful for you.

Do you also want to create a strong education corpus for your child’s education? In today’s world, mere savings are not enough – it is very important to understand Education Inflation. The current education inflation in India is 11–12% and in some sectors it even reaches 15%. This is the reason why in 2010 the fee for MBA or Business School was only Rs 1 lakh per year, in 2024 it has increased to Rs 5 lakh and in the next 10 years this fee is expected to reach Rs 15 lakh. Similarly, there is a rapid increase in the fees of MBBS and Engineering also. Because seats are less and students are more, competition increases and expenses also increase. IITs and IIMs have also increased their fees by almost 300%. School education is also not untouched by this. The fees of private schools in metro cities, including those for age 3 to 17, today reach around Rs 30 lakh, and in the next 10 years it may increase to Rs 90 lakh. In such a situation, if you include the child’s school + college education, you will need a corpus of Rs 1.2 crore to Rs 2.5 crore. Therefore, start a SIP of Rs 30,000 today and create a fund of Rs 2 crore in 15 years with 15% expected returns.

What if your insurance changes itself according to your lifestyle? Sometimes it gives more protection, sometimes it increases the savings, and that too from India’s most trusted company LIC! In this video, we will talk about LIC’s two exciting new plans – Protection Plus and Bima Kavach – which have been designed keeping in mind your needs, your earnings and the security of your family. Protection Plus is a Linked Savings Plan, where you get the triple benefit of Life Cover + Market Growth + Savings. Facility to increase or decrease Sum Assured, Top-up Premium Option, Partial Withdrawal after 5 years and most importantly – Mortality Charges back on maturity! Whereas Bima Kavach is a Pure Risk Plan which is like a strong security cover for every family. It offers Fixed and Increasing Sum Assured, Coverage up to 100 years, Lump Sum or Installment option, Cover Increase on Marriage/Childbirth and Lower Premium for Women and Non-Smokers! If you want an insurance that will support you today and in the future too, then do not miss this video.

Do you know that your PPF account can be extended not just for 15 years but for lifetime? And if extension is done properly, your tax-free interest will also never stop! In this video, we will tell you the Extension Rules of PPF, the right method, and the mistake which can stop your earning. PPF account matures in 15 years and after that there are two ways to increase it: 1- Extension by Contributing (block of 5 years) If even after maturity you want to deposit money every year, then you will have to extend PPF in a block of 5 years by giving a written application. With this, both your 7.1% interest and tax benefits continue. 2- Auto Extension (without deposit) If you do not do anything after maturity, then PPF gets extended automatically. In this, you can withdraw money once every year, but if you do not make any deposit for a year, then you will never be able to make it a deposit account later. The most important thing – you can increase PPF unlimited times, in blocks of 5-5 years! Just remember to submit the Extension Form within 12 months of maturity.

Mutual fund units can now be gifted or transferred through a Will at a much lower cost, thanks to the latest changes in regulations. Earlier, investors had to sell their mutual fund units if they wanted to gift them, add a joint holder or transfer them in inheritance cases. Selling the units resulted in capital gains tax, which made the process unnecessarily expensive. For example, if an investor had a profit of ten lakh rupees, capital gains tax payable during such a transfer could go as high as one lakh twenty five thousand rupees. Under the new rules, both Demat units and Statement of Account units can be gifted or transferred easily without triggering a sale. This means transfers through a Will, inheritance situations or changes in joint holders can take place without the tax burden that existed earlier. The biggest barrier in passing on mutual fund investments within families has been removed, making the entire process significantly cheaper. With this change, if an investor has a ten lakh rupee gain and gifts the units to an adult child who has no income, the entire gain can remain tax free. Mutual funds have become an important financial asset for Indian households, and these updated rules modernize the gifting and inheritance framework that had remained outdated for years. This video explains how the new process works, who benefits, and why this reform matters for long-term family financial planning.

In today’s time, women are not only becoming financially strong, but they are also complete owners of their earnings, investments and property. In such a situation, it becomes very important for every woman to keep her property safe – especially for independent, working and widowed women. In this video we will talk about the important suggestion of the Supreme Court recently, in which the Court has asked Hindu women to make their Will. This case is related to Section 15(1)(b) of the Hindu Succession Act, 1956, under which if a Hindu woman dies without a will, without children and without a husband, then the husband’s heirs are considered to have more rights on her property than her parents. Because of this, many times disputes arise between the daughter’s parents and in-laws regarding her daughter’s property. Know in this video – Why should women make a Will? Right Time and Method of Making a Will (Online/Offline) How to Choose an Unbiased Executor? Why is it necessary to register a Will? What asset details should be included in the Will? If a will is made before marriage, is it necessary to update it after marriage? Why is Last Updated Will necessary? If you are an Independent or Widow woman, then this video is very important for your financial security.