Key Takeaways from This Episode: • Why elder care in India needs early life insurance-led planning, not last-minute crisis decisions • How caregiving for the elderly impacts emotional health, careers, and long-term financial planning • The role of a structured life insurance plan, term insurance, and savings plan in supporting caregivers • Why viewing insurance as an investment can enable wealth creation and long-term life goal planning for aging parents • Practical financial advice on avoiding financial abuse and choosing reliable financial products for the senior years We plan for our children’s future, homes, and lifestyles, but rarely with the same intent for our parents or our own old age. This episode from Canara HSBC Life Insurance’s series “Depend on Insurance, Depend on Us” brings that gap into sharp focus. Company Secretary Vatsala Sameer is joined by Neha Sinha, CEO of EPOC Eldercare, for a deep, honest conversation on elder care, caregiving, and the financial reality of a rapidly aging India. As the number of seniors rises, families are increasingly caught in the “sandwich generation” – working adults balancing children and parents. The discussion unpacks how caregivers often shoulder hidden costs: time, emotion, and unplanned spending. Here, a well-designed life insurance policy or life insurance plan becomes a crucial anchor, helping structure long-term support for parents’ health, safety, and independence. The episode highlights how robust financial planning and timely investment choices can transform the way families prepare for old age. From creating liquidity for long-term care to protecting against financial abuse, the conversation stresses using financial products like term insurance, retirement plans, and savings plans thoughtfully. The right life insurance premium paid consistently can build buffers for home care, assisted living, or medical support when it is needed most. By framing insurance as an investment, the dialogue shows how a strong life insurance benefit can go beyond a payout and support real wealth creation over time. It also underlines the importance of choosing the right insurance plan and how solutions from Canara HSBC Life Insurance, including the Canara HSBC term plan, can support both current responsibilities and future security. Through stories, data, and on-the-ground experience from Elder Care India, this video encourages viewers to see smart investment in life insurance not as an optional extra, but as a foundation for dignity in aging, stability for caregivers, and confidence for the entire family. In simple terms, this episode is a call to start structured planning early – for parents and for oneself – with thoughtful protection at the core. Video overview: 00:00:00 - 00:01:00 - Why We Must Plan for Our Parents’ Future 00:01:01 - 00:05:02 - Longevity, Guilt & Why We Don’t Plan for Old Age 00:05:03 - 00:07:42 - The Pressure on Today’s Adults Caring for Parents 00:07:41 - 00:11:22 - Do Elder Homes, Hospitals & Society Really Support Seniors? 00:11:23 - 00:19:27 - Protecting Parents, Planning Ahead & Tough Truths

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How to Start Financial Planning For Couples | Depend On Insurance S6 E3 Here are the five key takeaways from this episode: • Have a “Money Date”: Regularly discuss financial goals, debts, and savings to build transparency and shared responsibility in your relationship. • Talk Openly About Finances: Honest conversations about income, loans, and insurance policies help strengthen trust and prevent future stress. • Prioritize Life Insurance: Protect your family’s future with the right life insurance policy plan and guaranteed savings insurance plan to ensure long-term financial security. • Balance Life Goals: Plan for your child’s education and future, but remember, your retirement and life insurance investments must come first. • Be Financially Aware: Financial planning is not just for experts; understanding your life insurance benefits, savings plans, and investments empowers both partners to make smarter decisions.

In this insightful episode of Depend on Insurance, Rishi Mathur, Chief Marketing Officer at Canara HSBC Life Insurance, is joined by Mrin Agarwal, Founder of Finsafe and Womantra, to discuss how couples can achieve true financial security through shared awareness, smart investments, and the right insurance products. The conversation dives deep into the real-life financial challenges that couples face, ranging from income disparities to lack of communication, and how these can impact long-term wealth creation. Mrin highlights why financial honesty and collaboration are essential, and how setting clear goals, backed by a sound life insurance policy, can transform the way families plan for the future.

The episode emphasises the role of insurance as an investment, not just a safety net. With Canara HSBC Life Insurance’s savings insurance plans, couples can align their life goal planning with tailored financial products designed to protect and grow their wealth.

A guaranteed savings insurance plan offers both protection and assured returns, making it a smart way to balance risk and reward in your financial planning journey. Throughout the discussion, viewers learn why it’s vital to build an emergency fund, secure comprehensive life insurance coverage, and regularly review one’s life insurance premium and policy benefits. Whether it’s safeguarding your loved ones from unforeseen challenges or achieving long-term aspirations, the right life insurance investment forms the cornerstone of financial well-being. This episode serves as a reminder that managing money together is more than budgeting; it’s about partnership, awareness, and protection.

By combining financial advice with actionable insights, Canara HSBC Life Insurance continues to empower individuals and families to plan, protect, and prosper. Watch now to learn how a thoughtful life insurance policy plan can help you and your partner take confident steps toward a secure and stress-free financial future with Canara HSBC Life Insurance, Your Promises Ka Partner!

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Retirement Planning: Save Smart & Be Emotionally Ready | Depend on Insurance S6 E2

Here are the five key takeaways from this episode: ● Start saving for retirement early and leverage the power of compounding for long-term wealth creation. ● Understand the effect of inflation on your retirement corpus and plan pension investments accordingly. ● Diversify retirement plan investments using guaranteed income plans, savings plans, pension plans, and life insurance. ● Prioritize financial goals, balance current spending with future security, and prepare emotionally for retirement. ● Explore solutions for late retirement starters, including rationalizing expenses, leveraging property, and preserving capital through insurance products.

In this insightful episode of Depend on Insurance, Depend on Us, host Jyoti Vaswani, Chief Investment Officer at Canara HSBC Life Insurance, engages with Suresh Sadagopan, Founder of Ladder7 Financial Advisory, to discuss comprehensive retirement planning strategies, smart investment choices, and the critical role of life insurance in securing your long-term financial goals. Retirement planning is more than just saving money—it’s about creating a sustainable, secure, and meaningful financial future. In this conversation, Jyoti and Suresh explore how to balance current lifestyle needs with tomorrow’s financial security, addressing how to plan retirement investments strategically, leverage life insurance retirement plans, and utilize financial products like guaranteed income plans, guaranteed savings plans, and pension plans to build a strong retirement corpus. The episode highlights common pitfalls in retirement planning, such as delaying savings, underestimating inflation, misusing employee provident funds (EPF), and over-relying on pension plans alone. It underscores the importance of starting early, understanding the power of compounding, and building a diversified portfolio of retirement plan investments that include savings plans, term insurance, income plans, and pension plan benefits.

Listeners also gain insight into the emotional and practical dimensions of retirement. The discussion explores how a lack of purpose or identity beyond one’s career can impact post-retirement life, and how careful planning, goal prioritization, and emotional preparation can make retirement a fulfilling, secure, and purposeful stage of life. By aligning lifestyle choices with long-term financial planning, individuals can protect against unexpected medical expenses, outliving their retirement corpus, and other financial risks.

This episode also covers smart approaches for late starters in retirement planning, including optimizing current income, leveraging property, relocating to cost-effective cities, rationalizing spending, and maintaining capital protection. It emphasizes that strategic financial planning, disciplined saving, and investment in reliable insurance policies are crucial to ensure wealth creation, tax efficiency, and a secure retirement.

Whether you are starting early in your career, in the mid-phase of wealth accumulation, or approaching retirement, this conversation equips you with actionable financial advice to make informed decisions. It showcases how Canara HSBC Life Insurance and Canara HSBC Term Plan products can support your retirement planning objectives, combining financial products and insurance as an investment for long-term stability and peace of mind. By the end of this episode, you’ll understand why retirement should be treated as a structured goal, the importance of prioritizing savings, the impact of inflation on long-term finances, and how life insurance and guaranteed return plans can protect your lifestyle and family goals.

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Retirement Planning: Save Smart & Be Emotionally Ready

Here are the five key takeaways from this episode: ● Start saving for retirement early and leverage the power of compounding for long-term wealth creation. ● Understand the effect of inflation on your retirement corpus and plan pension investments accordingly. ● Diversify retirement plan investments using guaranteed income plans, savings plans, pension plans, and life insurance. ● Prioritize financial goals, balance current spending with future security, and prepare emotionally for retirement. ● Explore solutions for late retirement starters, including rationalizing expenses, leveraging property, and preserving capital through insurance products.

In this insightful episode of Depend on Insurance, Depend on Us, host Jyoti Vaswani, Chief Investment Officer at Canara HSBC Life Insurance, engages with Suresh Sadagopan, Founder of Ladder7 Financial Advisory, to discuss comprehensive retirement planning strategies, smart investment choices, and the critical role of life insurance in securing your long-term financial goals. Retirement planning is more than just saving money—it’s about creating a sustainable, secure, and meaningful financial future. In this conversation, Jyoti and Suresh explore how to balance current lifestyle needs with tomorrow’s financial security, addressing how to plan retirement investments strategically, leverage life insurance retirement plans, and utilize financial products like guaranteed income plans, guaranteed savings plans, and pension plans to build a strong retirement corpus. The episode highlights common pitfalls in retirement planning, such as delaying savings, underestimating inflation, misusing employee provident funds (EPF), and over-relying on pension plans alone. It underscores the importance of starting early, understanding the power of compounding, and building a diversified portfolio of retirement plan investments that include savings plans, term insurance, income plans, and pension plan benefits.

Listeners also gain insight into the emotional and practical dimensions of retirement. The discussion explores how a lack of purpose or identity beyond one’s career can impact post-retirement life, and how careful planning, goal prioritization, and emotional preparation can make retirement a fulfilling, secure, and purposeful stage of life. By aligning lifestyle choices with long-term financial planning, individuals can protect against unexpected medical expenses, outliving their retirement corpus, and other financial risks.

This episode also covers smart approaches for late starters in retirement planning, including optimizing current income, leveraging property, relocating to cost-effective cities, rationalizing spending, and maintaining capital protection. It emphasizes that strategic financial planning, disciplined saving, and investment in reliable insurance policies are crucial to ensure wealth creation, tax efficiency, and a secure retirement.

Whether you are starting early in your career, in the mid-phase of wealth accumulation, or approaching retirement, this conversation equips you with actionable financial advice to make informed decisions. It showcases how Canara HSBC Life Insurance and Canara HSBC Term Plan products can support your retirement planning objectives, combining financial products and insurance as an investment for long-term stability and peace of mind. By the end of this episode, you’ll understand why retirement should be treated as a structured goal, the importance of prioritizing savings, the impact of inflation on long-term finances, and how life insurance and guaranteed return plans can protect your lifestyle and family goals.

Smart Investment and Financial Planning for Overseas Education | Depend on Insurance Here are the five key takeaways from this episode: ● Overseas study is a costly life goal, so early life goal planning and disciplined saving are crucial. ● Treating insurance as an investment turns protection into growth—if parents’ income stops, the child’s dream continues. ● A guaranteed savings insurance plan combines assured returns with a safety net, shielding families from currency swings and tuition hikes. ● Guest Neha Agarwal shows how a structured savings plan, campus jobs and the right financial products cut parents’ out-of-pocket costs. ● Experts from Canara HSBC Life Insurance outline step-by-step financial planning that blends liquidity, flexibility and tax-efficient cover.

Every parent dreams of handing their child a passport to global knowledge, yet the price tag on that dream can feel overwhelming. In this episode of Depend on Insurance, Depend on Us, host Salil and Wise Up Communication founder Neha Agarwal turn a daunting bill into a clear-cut blueprint for life goal planning. The discussion opens with a sobering audit of hidden costs - visa fees, medical cover, airfare, and dorm deposits, showing why pure investment in stocks or funds can’t shoulder the risk alone. Neha’s journey at Nanyang Technological University proves the power of strategy: Singapore’s Service-Obligation Scheme halved her tuition, while campus jobs met 70-80 % of living costs. Her story is a masterclass in child education planning and disciplined savings plan execution.

Salil and Neha then unpack the modern life insurance policy plan. They advocate building wealth on three pillars: An emergency corpus for liquidity, market instruments for growth, and a guaranteed savings insurance plan at the core. This hybrid savings insurance plan compounds money while embedding a safety net. Should income stop, the life insurance benefits pay future fees, protecting the child’s dream without raid­ing long-term assets. Treating insurance as an investment converts premiums into assured returns, making each life insurance premium work double time. For families with younger kids, the panel spotlights a dedicated child plan from Canara HSBC Life Insurance. Premiums align with milestone years, SAT prep, undergrad, master’s, maturing exactly when funds are needed. That flexibility underscores why the right insurance policy is both shield and springboard.

Throughout the episode, licensed experts from Canara HSBC deliver practical financial advice: start SIPs when your child turns twelve, review cover every two years, and balance your portfolio with term cover plus a life insurance investment that offers partial withdrawals. Listeners learn to decode jargon, surrender value, and paid-up options so they can judge financial products on merit, not marketing. The takeaway is clear: thoughtful financial planning plus the right insurance transforms anxiety into confidence. Whether you’re just comparing universities or already budgeting for dorm beds, this deep dive shows why a structured savings plan anchored by a robust insurance policy is the ultimate smart investment.

Here are the five key takeaways from this episode: ● Why life insurance is critical for child education planning ● How to choose between undergraduate and postgraduate foreign education ● Importance of a guaranteed savings insurance plan for unforeseen events ● Planning savings in foreign currency via GIFT City investment options ● Busting myths around foreign education, affordability, and student return

In this enlightening episode of Depend on Insurance, Depend on Us, we dive deep into the financial and emotional aspects of sending your child abroad for higher education.

With foreign education becoming a prominent life goal for many Indian families, the discussion between host Salil and special guest Neha Agrawal, founder of WiseUp Communications, provides practical financial advice, emotional insights, and expert tips to help parents plan effectively. Neha shares her personal journey from Kolkata to NTU Singapore, how she built a community of over 20 million learners through her platform, and why she chose to return to India to help other students and parents navigate this complex decision-making process.

At the heart of this episode is the idea that life goal planning for your child’s future, especially if it includes foreign education, requires more than just saving. It requires smart investment, risk protection, and a thorough understanding of today’s evolving financial products. A central theme is the significance of life insurance as a tool for child education planning. Whether it’s the life insurance benefits during a medical emergency or the peace of mind a life insurance policy plan brings during uncertain global events (like COVID-19 or travel mishaps), this episode reinforces the role of insurance as an investment, not just an expense. Neha shares a compelling personal anecdote of how her husband was able to complete his studies after his father’s unexpected passing, thanks to a life insurance policy. This underscores the idea that insurance is not a backup; it’s a proactive step toward securing a child’s life goal. The episode also introduces the concept of savings insurance plans and guaranteed savings insurance plans, perfect for long-term goals like foreign education. These plans combine safety with growth, providing not just life insurance coverage but also assured returns. For those planning ahead, they can act as a disciplined savings plan while offering coverage against uncertainties. As global tuition and living costs rise, Neha and Salil discuss the smart move of investing through GIFT City, an initiative by the Government of India that allows Indians to invest in dollar-denominated policies. These plans, offered by Canara HSBC Life Insurance, help parents protect their funds from rupee depreciation, allowing them to save and invest in the same currency as they’ll be spending in. This is not just financial planning, it’s a smart investment. Whether you're just beginning to think about your child’s education or already budgeting for it, this episode offers a masterclass in financial planning. From leveraging a life insurance premium smartly to exploring a savings insurance plan, you’ll walk away better equipped to secure your child’s future.