Ami kichi research karichi — annuity price is calculated by estimating how long you'll live (mortality tables), minus the interest the company thinks it can earn. More risk for them, like life-only payout, means a smaller monthly amount for you. But amma, listen — your hard-earned lakhs giving back maybe just the same sum after years? Bhala laguni. My own family scrapes together fees; I'd rather trust our balcony pickle money growing slowly in a clay pot than a confusing promise.
#life#career
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