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Stages of Grief

You may never be able to prepare for the grief that you will inevitably experience, but understanding that the journey is a long one and that you must take care of yourself along the way can help you coping with loss in general.

The grieving process is a complex cycle of emotions. Some experts have divided the process into stages of grief:

  • Denial. The initial sense of shock may cause you to doubt or refuse to believe that a loved one is actually gone. You may feel numb and may have physical side effects, such as insomnia, loss of appetite, and a racing heartbeat.
  • Anger. You may feel cheated or abandoned and take out your anger on your friends, family or those who cared for your loved one.
  • Depression. Often the longest and most difficult stage. Symptoms include feelings of sadness, despair and/or disorientation as well as other psychological and physical conditions.
  • Acceptance. You come to grips with the death and begin to move on with your life.

People don’t necessarily move through the grieving process in consecutive stages. You may go back and forth or be in more than one stage at a time and experience a wide range of emotions – guilt, fear, and sadness. The healing process is different for everyone and there is no timetable. Even after you have begun to come to terms with your loss, don’t be surprised if grief revisits you. Love for a person doesn’t end when they die.

If you find you are having suicidal thoughts or are relying on alcohol or drugs to numb your pain, seek professional help. If you are having problems working through your grief, share your thoughts and feelings with another person - it will help. You may want to join a support group or seek professional help. Local sources of help include hospitals, churches as well as health and social service agencies. There may also be employee assistance programs where you work.

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Thinking about good times shared with your loved one can sometimes be comforting. It’s also helpful to take extra good care of yourself at this time - get enough sleep, eat properly and exercise regularly. Remember that, at some time or another, everyone experiences similar feelings. There is nothing wrong with asking for help.

Funds Performance as on February 28, 2018

Funds Performances Returns on Funds Inception date of Funds
1 Month. 2 Months 3 Months 4 Months 5 Months 6 Months 9 Months 1 Year. 2 Years
Fund Performance 1 Month. 2 Months 3 Months 4 Months 5 Months 6 Months 9 Months 1 Year. 2 Years Inception date of Funds
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Here is why you should invest in ULIPs

  • ULIP allows you to customise your saving’s schedule by making use of its features such as withdrawals, multiple fund options, different premium payment options and modes.
  • By making monthly investments it inculcates the habit of investing. This also helps in averaging the costs of units. To pay any investible surplus available you can use the top up option. Not only do they reduce the overall cost for the policy holder but also increase the life cover.
  • You can estimate one’s insurance requirement by using the Human Life Value Calculator and then decide on an amount to fulfill your future financial needs,so that you can adjust them during inflation.
  • The premium paid is invested in one or more fund options in a ULIP post the applicable charges. These fund options have varying asset locations between equity and debt which ensures that a portion of your money is secure at all times.

A single ULIP if used well can take care of one’s future goals at different life stages. By investing in a single ULIP you can exempt yourself from the administrative costs incurred every time you buy a new ULIP. ULIPs offer flexibility and transparency which make them the perfect choice to invest in the market.