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Get your Free Quote for 5 Crore Term Plan

Get your Free Quote for 5 Crore Term Plan

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    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.

    5 Crore Term Insurance Plan

    • A 5 crore term insurance plan is a term insurance plan that provides an extensive life cover of ₹5 crore.
       

      Term insurance is an essential financial shield for your family. However, what many people fail to consider is the amount of coverage they should get for their term insurance. To keep the premiums as low as possible, you may end up settling for low coverage and may not consider adding riders^ to your policy. 
       

      But the good news is that even a 5 crore term insurance plan can have reasonable premiums if chosen wisely. 

      Here is a quick guide on what 5 crore term insurance is and how you can use it to your benefit with us!

    Family With Their Dog Enjoying Life After Buying Term Plan


    What is a 5 Crore Term Insurance?

    A 5 crore term insurance plan is a term insurance plan that has been designed to serve policyholders who need high term insurance coverage. In the event of any eventuality, a term plan ensures complete financial protection for your family members; a 5 crore term insurance ensures that your family will not have to seek out any other form of financial assistance, no matter what comes their way in your absence.

    As a high coverage term insurance policy, a 5 crore term insurance, like a regular term plan, starts with the purchase of the policy and the premium payments by the policyholder. In return for these timely premium payments, the insurance provider offers the policy coverage, which in turn offers the death benefits in case the policyholder passes away during the tenure of the policy.

    What Is A 5 Crore Term Insurance Plan?

     

    A 5 crore term insurance plan is a term insurance policy that provides a life cover of 5 crores to your nominee in the event of your unexpected demise during the policy term. It is offered in exchange for the timely premiums that you pay through the policy tenure.

    Your family can utilise the death benefit to clear off debts, plan their future financial commitments, and manage their routine lifestyle. 

    Furthermore, a 5 crore term plan can be purchased at an affordable premium and customised to individual financial needs by choosing the policy term, premium payment term, and including riders^

    Although a 5 crore term plan does not offer a maturity benefit, you can purchase the term insurance with the return of premium* benefit to receive a total of the premiums at the end of the policy tenure if you survive the policy period.

    Happy Family with Their Dog after Buying 5 Crore Term Insurance Plan
    Know More About Our Best Selling Term Insurance Plan – Tata AIA Life Insurance Sampoorna Raksha Supreme
    Family With Dog Secured by Tata AIA Sampoorna Raksha Supreme Plan

    A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V04)
     

    TATA AIA Life Insurance
     

    Sampoorna Raksha Supreme
     
    Key Features

    • Option to get your premium back*

    • Increase Life cover at Important milestones with Life Stage# option

    • Enhance your protection with optional riders^

    • Get tax benefits~ as per applicable tax laws

    Why Buy A 5 Crore Term Insurance Plan?

    For Extensive coverage at Affordable Premiums

    For Extensive coverage at Affordable Premiums

    A 5 crore term insurance plan is a pure life insurance plan without a savings or investment component. Therefore, you can purchase this extensive coverage at an affordable 5 crore term insurance premium. 

    For Loan Repayment

    For Loan Repayment

    No one would want to leave their family in a financial lurch! While you may be doing your best to repay your loans on time, an unfortunate eventuality may pass on the burden of these debts to your family. 

    To Support your Family

    5 Crore Term Plan to Secure your New Born Baby

    To Support your Family

    Even if you are living a perfectly happy life, your family’s security is always a concern at the back of your mind. In your absence, you would want to ensure that they do not have to worry about maintaining their standard of living or making alternate arrangements for their daily needs. 

    To Leave an Inheritance

    Mother and child smiling for a photo - 5 Crore Term Plan

    To Leave an Inheritance

    You are probably doing the best you can to provide the best of everything for your children. But in case of an unfortunate situation, your children should not have to give up on their dreams and their future aspirations. 

    To Save And Invest Better

    secure Your Home Loan With Term Insurance

    To Save And Invest Better

    When you have adequate coverage to secure your family, you can save or invest better to align your income with your future financial goals. It can help you plan for the long term and focus on achieving your investment goals timely.

    To Enhance Coverage

    To Enhance Coverage

    With a 5 crore term plan, you can enhance the coverage with add-on riders^ for additional financial benefits during specific scenarios. For example, a health-based rider^an provide the financial support required to pay for your medical expenses during the policy tenure in addition to the life cover. 

    To Save On Tax

    Tax benefits concept with magnifying glass on white background

    To Save On Tax

    Though it is advisable not to treat your term insurance plan only as a tax~-saving option, we know the tax~ deduction and exemption benefits on the term insurance premiums and the death benefit proceeds under Section 80 and Section 10(10D) of the Income Tax Act. 

    How Does 5 Crore Term Insurance Work?

    Let us understand how the 5 crore term insurance plan works with the following main aspects.

    • Lower Premium Rates for Women - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Policy term

      The 5 crore life cover is provided for the specific term as decided by the policyholder. 

    • Death Benefit Pay-out - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Premium payments

      To keep the term policy valid and for your family to be protected by the life cover, you, the policyholder, will have to make premium payments towards the policy, as predetermined, while purchasing the policy. 

      The premium amount will be calculated on the basis of factors like your age, gender, yearly income, lifestyle habits, etc. 

    • Flexibility to Choose Plan Option - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Premium payment term

      You can choose the premium payment term or the number of years during which you will pay the premiums. These payments can be made on a monthly, quarterly, semi-annual, or annual basis, as per your preference.

    • Option to get Income Pay-outs - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Death benefit

      In case of the policyholder’s death during the policy term, the life insurance provider will pay the ₹5 crore sum assured to the nominee or family members of the policyholder as named in the policy. 

    • Maturity Benefits - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Fixed premiums

      One of the salient features of the term plan is that you can lock in the premium amount once you purchase the policy. Hence, by buying a term plan at a younger age, you can benefit from locking in lower premium rates. You must continue paying the premiums as per the decided frequency to avoid the 5 crore term insurance cover from being terminated.

    • Top-Up Sum Assured - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme
      Maturity benefits

      A pure term plan will not offer any maturity benefits. In the event of your death within the policy term, once the benefits are paid out to your nominee, the policy is terminated, and no other benefits will be payable. However, suppose you have chosen the term insurance with the return of premium* benefit. In that case, you are entitled to receive a refund of the premium at the end of the policy term if you outlive the policy period.

    • Income Term and Payment Flexibility - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Rider^ benefits

      If you choose from various riders^, you can be protected against specific risks and events for an additional premium. However, the rider^ can only stay valid as long as the base policy is valid.

    Use our Online Term Calculator to find the Cover Amount to Secure your Family

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    A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V04)

    Benefits Of 5 Crore Term Insurance

    • Lower Premium Rates for Women - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Affordable Premiums

       

      One of the most well-known benefits of a 5 crore term life insurance policy is its affordability. When compared to other life insurance plans, you can avail of a high term insurance coverage with very affordable premium payments.

    • Death Benefit Pay-out - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Death Benefit

      Term life insurance offers death benefits in the form of the sum assured to the policyholder’s nominee in case of the untimely death of the policyholder due to any unforeseen circumstances during the policy tenure.

    • Flexibility to Choose Plan Option - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Flexible premium payment options 

      The 5 crore term insurance premium can be paid through a single premium payment, limited premium payment, or a regular premium payment option. 
       

      A single payment refers to a single, one-time payment. A limited premium payment refers to paying the premium for a limited term, while a regular premium payment refers to paying the premium regularly for the longer policy term.

    • Option to get Income Pay-outs - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Flexible payout options

      You can choose between the lump sum or the regular income payout option for the 5 crore term plan. For example, if you feel your family may not be able to handle a lump sum wisely, you can choose the regular income option. 

    • Maturity Benefits - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Return of Premiums

      Though pure term plans do not offer any maturity benefits, some term plan options come with a return of premium* benefit that is offered as a maturity benefit. In such a scenario, the insured will be able to claim this benefit if they outlive the term insurance policy tenure.

      The total premiums paid during the policy term are then returned to the policyholder. For example, Tata AIA Life Insurance Sampoorna Raksha Supreme (UIN: 110N160V04) offers 105% of the total premiums* paid as the maturity benefit under the Life Plus option.

    • Top-Up Sum Assured - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Add-ons/ Riders

      Term insurance not only provides the sum assured as a protective cover for your family but also has additional provisions for specific emergencies in the form of optional riders^. For example, suppose you purchase the rider^ for the waiver of premium benefit. In that case, your future premiums will be waived off if you are affected due to a total and permanent disability in an accident. 

    • Income Term and Payment Flexibility - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Online accessibility

      You can access 5 crore term plans online, compare their features, purchase, and raise claims online. It is simple, user-friendly, and less time-consuming.

    Factors That Affect The 5 Crore Term Insurance Premium?
     

    • 01

      Your Age

      The premium for your 5 crore term plan will increase with age owing to the increased risk factor due to medical complications that come with ageing. 
    • 02

      Your Health Conditions

      If you are suffering from certain health problems that could increase the risk of your life, it is quite likely that you will have to pay higher term insurance premiums to uphold your policy.
    • 03

      The Policy Term

      When you choose a higher policy term for your term plan, it is a given that your total premiums paid over the years will also be higher. However, the policy term should be decided based on how long you need the coverage to secure your family. 
    • 04

      Premium Payment Term

      The premium will be higher for a limited premium payment compared to a regular premium payment term. However, the PPT must be decided based on your requirements.
      For example, if you are nearing retirement, you can choose the limited premium payment term to complete paying the premiums before the retirement date rather than extending it further when you no longer earn.
    • 05

      Your Lifestyle Habits

      Some lifestyle habits, such as drinking and smoking, increase the risk of your life. Hence, it is natural that your premium payments will also be higher. 


    Who Should Opt For 5 Crore Term Insurance?
     

    A term insurance plan is for everyone since these policies are quite flexible as per one’s needs and can be easily purchased online. 

    However, here are some categories of individuals who should opt for a 5 crore term insurance plan.
     

    • Buy Term Insurance Plan Online At Younger Age

      Young professionals

      Young and healthy working professionals in their 20s or 30s can consider a 5 crore term insurance policy. Getting such a high sum assured policy can be easier and more affordable for such individuals as they are generally in good health and can start with low premium payments given their age and low risk.
      Buy Term Insurance Plan Online At Younger Age

      Young professionals

      Young and healthy working professionals in their 20s or 30s can consider a 5 crore term insurance policy. Getting such a high sum assured policy can be easier and more affordable for such individuals as they are generally in good health and can start with low premium payments given their age and low risk.
    • Newly married couples should buy Tata AIA Term Insurance Policy Online

      Family members

      Middle-aged people in the age group of 25-40 years should opt for it because they have greater financial responsibilities towards their families and children during the long term. 
      Newly married couples should buy Tata AIA Term Insurance Policy Online

      Family members

      Middle-aged people in the age group of 25-40 years should opt for it because they have greater financial responsibilities towards their families and children during the long term. 
    • Parents should Buy Tata AIA Term Insurance Policy Online

      Sole earning members

      Sole earning members in any family should consider getting a 5 crore term insurance plan since the family members are financially dependent on them. The term insurance acts as a safety net in the event of an unforeseen event so that one’s family can still be financially secure.
      Parents should Buy Tata AIA Term Insurance Policy Online

      Sole earning members

      Sole earning members in any family should consider getting a 5 crore term insurance plan since the family members are financially dependent on them. The term insurance acts as a safety net in the event of an unforeseen event so that one’s family can still be financially secure.
    • Investor need to pay regular monthly amounts of money towards your market linked investments

      Taxpayers

      If your annual income ranges between ₹30-50 lakhs, create a financial plan that includes a 5 crore term insurance so that you can add a beneficial investment to your portfolio that not only helps you save on taxes but also safeguards your family’s financial interests in times of need.
      Investor need to pay regular monthly amounts of money towards your market linked investments

      Taxpayers

      If your annual income ranges between ₹30-50 lakhs, create a financial plan that includes a 5 crore term insurance so that you can add a beneficial investment to your portfolio that not only helps you save on taxes but also safeguards your family’s financial interests in times of need.
    • Retired Individuals Should Buy a Term Insurance Plan Online

      Debtors

      Consider a 5 crore term insurance plan if you are burdened with many loans and liabilities. By doing this, you can ensure that in case there are unpaid loans or debts in your absence, your family will not have to be troubled by the stress of repaying these loans with their savings.
      Retired Individuals Should Buy a Term Insurance Plan Online

      Debtors

      Consider a 5 crore term insurance plan if you are burdened with many loans and liabilities. By doing this, you can ensure that in case there are unpaid loans or debts in your absence, your family will not have to be troubled by the stress of repaying these loans with their savings.


    How To Determine The Coverage For Your Term Plan?

    Is a ₹5 Crore term insurance policy enough for your family's financial future? or How much life insurance is enough?

    If you have to answer these questions and determine the right coverage for your term plan, you need to consider the following pointers.

    • Your Annual Income

      The general thumb rule to purchasing a term insurance plan is to consider the coverage as ten times that of your current annual income. It will take into consideration the inflation rates for income replacement that can help combat the price rise over the years. 
       

      As a result, if your family needs financial assistance in the future, they will not have to struggle with a meagre sum assured to make ends meet or dip into their savings in times of need.

    • Your Family and their Needs

      If you are the sole breadwinner of your family, you need to consider your current income, the expenses of your family, liabilities, and future financial commitments. 
       

      It will ensure the coverage is sufficient for them to lead a self-sufficient life while also planning for their future goals, such as education, marriage, etc. You can access our Tata AIA Life Insurance Human Life Value Calculator to determine this value.

    • Your Loans and Liabilities

      A term plan covers not only your family's needs but also any liabilities that you may have left behind in the form of loans and debts. When you determine the coverage for your term insurance plan, you need to consider the total loans and liabilities that need to be repaid. 
       

      With a 5 crore term policy, you can ensure that the burden of these debts does not bother your family if you have huge debts to be cleared off. 

    How To Find The Best Term Plan For 5 Crore?

    • Analyse your financial condition

      Analyse your financial condition to determine the policy term and the premium payment term. Also, determine the affordable premium that you can pay for the policy term.

    • Compare term plans

      Compare the different options for the 5 crore term insurance plans based on their features and benefits to decide on a suitable policy for your financial requirements considering the affordability. 

    • Understand rider^ options

      Check for the rider^ options offered for the 5 crore term insurance plans that can enhance the coverage for various scenarios such as the critical illness benefit, waiver of premium benefit, accidental death benefit, etc.

    • Claim settlement ratio

      Your life insurance provider’s claim settlement ratio is critical as it proves if they can settle your death claim effectively and honour the payout to your family, as predetermined, while offering the term policy. If their claim settlement ratio is high (above 90%), consider buying your term insurance policy from such a life insurance provider.

    • Solvency Ratio

      Your insurer’s solvency ratio is another important parameter to be considered because it directly indicates your insurer’s financial capacity to honour term insurance claims and helps you understand if they can meet their liabilities with the current cash flow. The solvency ratio, much like the claim settlement ratio, also should be high enough to prove the insurer’s credibility.

    Why Choose Tata AIA Life Insurance?

    72 Lakh plus Families Protected | Tata AIA Life Insurance

    72 Lakh+

    Families protected so far1

    Claim Settlement Ratio

    The Tata AIA Assurance

    99.01% Individual Death Claim Settlement Ratio2 in FY 2022-23

    400 + Branches in Major Cities of India

    Save Tax Up to Rs. 46,800++

    As per applicable Income Tax~ laws

    Why Choose Tata AIA Life Insurance? | Tata AIA Life Insurance

    400 + Branches across India

    Presence across major cities

    Claim Settlement

    Express Claim Settlement 

    Assured 4 hours of claim settlement3

    Flexibility to Choose Premium Payment

    Choice of Premium Payment Options

    Flexibility to choose premium payment mode as per convenience

    3T&C apply

     

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

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    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in

    Frequently Asked Questions

    What are the eligibility criteria for buying a 5 crore term insurance plan?

    While there are no specific criteria for purchasing a term insurance plan for 5 crores, for Tata AIA Life Insurance Sampoorna Raksha Supreme (UIN:110N160V04) the minimum age of the policy buyer should be 18 years. Also, considering that a 5 crore term plan offers greater coverage than other term insurance plans, ensure that you are able to pay the premiums for the coverage regularly without missing any payments.

    Can one avail of tax benefits on 5 crore term insurance?

    Yes, the tax benefits for a 5 crore term insurance are similar to that of a regular term plan. The premiums you pay for the term plan will be eligible for tax deductions under Section 80C of the Income Tax Act, while the proceeds paid out as a death benefit will be exempt from taxes under Section 10(10D) of the Income Tax Act. You can also save tax up to Rs 46,800++ when you buy a term insurance plan. 

    Do 5 crore term insurance plans come with a free-look period?

    Yes, like a regular term insurance plan, 5 crore term insurance plans also come with a free-look period of 15 days if the policy has been purchased online and 30 days in case it has been bought online or through the Distance Marketing modes from the date of receiving the policy document. During the free-look period, you can choose to give up the policy if you are not satisfied with the policy, subject to the terms and conditions of the insurance company.

    How should I choose a life insurance provider for term insurance with a high-sum assured?

    When selecting a life insurance provider to purchase your 5 crore term insurance from, be sure to check the insurer’s claim settlement ratio, online reviews and ratings, solvency ratio, range of products, online purchase, renewal processes, claim process, and customer service. If all of these parameters are as per your needs or exceed your expectations, you can go ahead and purchase your term insurance from such an insurer.

    Will my nominee be able to file a claim for my 5 crore term plan if they are abroad?

    Yes, if your nominee is outside of India and would like to file a claim, they will have to upload the attested copies of the required claim documents online or send them to us through email. However, if the nominee wants to file the claim offline, they will have to courier their claim documents to their representative in India, who can come to our office and file the claim on their behalf.

    How much term insurance will be enough for my family?

    This will depend on how many family members you would like to cover in your term policy and their financial needs in the future. A term plan will ensure that your loved ones are financially supported in the event of your demise; hence, it is important to consider their future goals and commitments while buying a term insurance plan.
     

    A 5 crore term insurance plan would be a good sum assured to support your family’s daily needs as well as any major events or medical emergencies that need financial backing, even after taking inflation rates into consid

    What are the main factors that affect the 5 crore term insurance premium?

    Your 5 crore term insurance premium can be affected by a number of factors such as your age, your medical history, your health, the number of individuals covered under the policy, the sum assured, your family’s medical history, and the nature of your occupation and so on.

    Is it safe to buy a 5 crore term insurance plan online?

    Most policy buyers may be apprehensive about selecting a high sum assured term plan online but in reality, purchasing a 5 crore term insurance plan online is quite safe and secure.
     

    Apart from being able to compare the premiums of different plan options and easily purchasing the policy, Tata AIA Life Insurance ensures that your personal and payment details, as well as your policy information, are secured.  
     

    Moreover, you can choose from different secure online payment modes to make your premium payments successfully without the fear of your financial details being stored or misused.

    How can I ensure affordable premiums for my 5 crore term plan?

    If you want to be able to pay affordable premiums for your 5 crore term plan, you can start by calculating and comparing the premiums for your term insurance with a term insurance premium calculator. Since term plans are known to be quite flexible, you can also choose a policy term and a premium payment term as per your needs. This lets you decide how you can pay your premiums in a way that they do not hinder your other financial commitments while you protect your family from future financial uncertainties. 

    Can a person in their late 20s afford a 5 crore term insurance?

    Being able to have a 5 crore term insurance will, to some extent, depend on your ability to pay the premiums on time. However, being a term insurance plan, the premiums of a high sum assured policy can be quite affordable. Therefore, if you are earning a stable salary that allows you to have a 5 crore term insurance plan in your late 20s, then you should go for it.

    Disclaimer

    • Tata AIA Life Insurance Sampoorna Raksha Supreme (UIN:110N160V04) - A Non-Linked Non-Participating Individual Life Insurance Plan
    • *Under Life Plus Option, an amount equal to the 105% of the Total Premiums Paid (excluding loading for modal premiums) shall be payable at the end of the Policy Term, provided the life assured survives till maturity and the policy is not terminated earlier
    • #Applicable for specific plan options. Please refer brochure for additional details.
    • ^Rider is not mandatory and is available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/ branch.
    • Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider, Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider,  Tata AIA Vitality Protect (A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02), Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02) are available under this plan.
    • ~Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
    • ++Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess, if any will be charged extra as per prevailing rates. The Tax Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
    • 172,34,092 families protected till 31st March 2023.
    • 2Individual Death Claim Settlement Ratio is 99.01% for FY 2022 - 23 as per the latest annual audited figures.
    • 3 pplicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of Rs. 50 lakhs. Applicable for branch walk in. Time limit to submit claim to Tata AIA Life Insurance is 2 pm on working days. Subject to submission of complete documents. Not applicable for ULIP policies and open title claims.
    • This plan offers pure risk premium option under Life Option and return of premium benefit under Life Plus Option along with other benefits. Please refer sales brochure for complete details.
    • This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance.
    • Insurance cover is available under this product. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
    • In case of sub-standard lives, extra premiums will be charged as per our underwriting guidelines.
    • Buying a Life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the Surrender Value payable may be less than the all the Premiums Paid.
    • This publication is for general circulation only. This document is for information and illustrative purposes only and does not purport to any financial or investment services and do not offer or form part of any offer or recommendation. This document is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.
    • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company and this document is not, and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.
    • L&C/Advt/2024/Jan/0168