u/Lucky-Swim1250

Hi everyone,

I’m 25M, a teetotaller, earning ₹9 LPA. Planning to buy a ₹1 crore term insurance till age 60 with 10-year limited pay.

I’m confused about two things:

Should I buy through an independent agent or broker (Policybazaar/Ditto), or directly? My cousin told that in the event of unfortunate, agent will assist so it is better ti go with agents

Do agents/brokers really help during the claim process?

Which insurer would you recommend? All limited pay option for 10 years

1. ICICI Prudential – ₹16,700/year (99.3% CSR)

2. Axis Max Life insurance – ₹17,119/year (99.8% CSR)

3. Canara HSBC Life insurance – ₹12,141/year (99.5% CSR)

Is it worth paying more for ICICI/Max, or is Canara HSBC the better value?

Would love to hear your experiences, thanks

I initially shaded the wrong MCQ option, then put a big “X” mark over it (as the invilgator told me to) and shaded the correct option instead.
Has anyone experienced something similar in an ICMAI exam? Did the OMR scanner treat it as an invalid response, or were you still awarded marks for the correctly shaded answer?
I’d appreciate hearing from anyone with firsthand experience. Thanks!

Hey all, does anyone work with ICON PLC, I am getting interviewed for Financial Analyst role, and heard that its not a good company to work with. Does anyone or any friends of friends knows about the company?

Also hows the work culture, and how well the company with the WFH and flexible hours policy

Hey all, does anyone work with ICON PLC, I am getting interviewed for Financial Analyst role, and heard that its not a good company to work with. Does anyone or any friends of friends knows about the company?

Also hows the work culture, and how well the company with the WFH and flexible hours policy

Hey everyone,

We are 4 bachelor guys looking for a 2 BHK house in and around Porur, Iyyapanthangal, or Porur Gardens area.

If anyone knows of any available houses for bachelors, please feel free to DM.

We’re also open to sharing or renting in gated community apartments if available.

Any leads or contacts would be really helpful. Thanks in advance!

Hey everyone,

We are 4 bachelor guys looking for a 2 BHK house in and around Porur, Iyyapanthangal, or Porur Gardens area.

If anyone knows of any available houses for bachelors, please feel free to DM.

We’re also open to sharing or renting in gated community apartments if available.

Any leads or contacts would be really helpful. Thanks in advance!

Hi 25M here,

I’ve been single for a long time, and one of my close female friends (whom I had crush earlier and till date) is getting married soon. She’s genuinely a good person and we’ve always had a nice connection.

The thing is… I can’t fully move on from her emotionally. I know I can’t have her, and I’ve already created some distance to deal with it. I don’t talk to her as much anymore and I try to focus on my own life.

Most days I’m actually okay. I don’t think about her constantly or anything. But sometimes, like today, I just get this sudden wave of missing her out of nowhere. It hits pretty hard even though I know nothing is going to change.

It’s a weird place to be in—because I’m not completely stuck, but I’m also not fully over it.

I never really told her how I felt, so maybe part of it is that “what if” feeling too.

Has anyone else gone through something like this?
How do you deal with these random waves when they come?

Hi all,
I’m planning to do roofing work for my house in Chennai and wanted to get some practical insights from people who’ve already done this.
I’m looking for:
Different roofing options suitable for Chennai weather (heat + heavy rain)

Approx cost per sq.ft (including material + labour if possible)

Pros & cons of each type (heat resistance, durability, maintenance)

Any trusted contractors or contacts in Chennai based on your experience

Options I’m considering:
RCC concrete roof

Metal sheets (GI / colour coated)

Clay / Mangalore tiles

Polycarbonate or UPVC sheets

Terrace waterproofing solutions

Also, how do these hold up over time in Chennai conditions?
Would really appreciate honest feedback, pricing details, or contractor references. Thanks in advance 🙏