5 Insurance and Investment Lessons from Bollywood

Bollywood, Hindi Movies

Who says, Hindi movies are only about entertainment, entertainment, and entertainment!So if I say some Bollywood movies give true financial lessons, would you believe me?Today is the age of infotainment and believe me; one can learn a lot from Hindi films.Here is my list of films which give valuable financial gyaan.

Bollywood, Hindi Movies


Read to get ‘financially’ inspired from them.

  1. Baghban: The parents—Raj Malhotra (Amitabh Bachchan) and PoojaMalhotra (Hema Malini)— sacrificed everything to nurture the life of their four sons, only to be left uncared for during their old age. All children were leading a happy life because their parents spent all their income, including provident fund and gratuity, to financially secure their future. Even when ICICI Bank’s manager, where Amitabh was working, cautioned him to take care of his financial affairs, Raj did not listen and said, “Mujhe chinta karne ki jarurat nahi. Mene apne baccho mein investment kiya hain jo mere kaam aaygi retirement par.” But after retirement, none of the sons was ready to look after their parents.

Unfortunately, this is true in the era we live in. In your retirement, neither you may have windfall gains by penning down best-selling novels, just like Amitabh did in the film, nor you may have an adopted son like Salman Khan, who would consider you as God. In reality, retirement depends on how much savings you have made during earning years. It is essential to start your retirement planning during your earning years so that without burning a hole in your pocket, you accumulate a huge retirement corpus.

  1. 3 Idiots: Farhan (R.Madhavan) is one such character in the film which teaches us that passion comes first than desires. He was passionate about wildlife photography but pursued engineering to pacify his father. However, on the insistence of his friend Rancho, he got the courage to stand in front of his dad and said, “Kya hoga papa agar mein engineer nahi banatou? Kaam kam auga par khush tou rahuga.” In the end, his father understood and allowed Farhan to pursue his hobby as a career.

3 idiots

Image Credit: Wealthy

Successful parenting brings along its shares of responsibilities and happiness. A huge contributor to this success is proper financial planning for your child’s future. Child insurance plans let you build a lump sum amount for your child’s future so that in the case of your absence, their future should not be hampered. Further, if your child has some special talents, such as singing, dancing or instrument playing, you can nurture it by making partial withdrawals from the child plan.In the case of death of the parent, child insurance plans waive future premiums, but the benefits continue to be there.

  1. SattePeSatta: Ranjit Singh (Amjad Khan) was the guardian of Seema, but he wanted to inherit her property, and so he hired Babu (Amitabh Bacchan) to kill her. While showing Seema’s photo to Babu, Ranjitordered Babu, “Ye mere Bhai ki Beti hain. Isko jaan se maar na hain jisse iski saari jaydaad meri ho jaye.”

In the movie, Seema’s parents selected a wrong guardian for their daughter but make sure you don’t repeat the same mistake while choosing an appointee in a child insurance plan.While child insurance plans help to secure the future of your kid, it is vital to ensure that the appointee in a child plan should be someone who is a reliable and trustful person.

  1. Tathastu: The world of Ravi Rajput (Sanjay Dutt) and his wife Saru (Amisha Patel) revolved around their son Gaurav who wanted to become a cricketer. However, as the fate played its own game, Gaurav had to be hospitalised for heart transplantation, and the medical cost was Rs 15 lakhs. Ravi was helpless, but still, he consoled his son and said, “Tujhe kuch nahi hoga beta, mein tujhe kuch nahi hone dunga.” However, when all his efforts to get financial help from friends and his employer went futile, he resorted to criminal activities.

Life is uncertain, and proper planning is required to combat any such unforeseen circumstances. If Ravi had bought a smart wealth insurance plan, such as ICICI Pru Smart Life, he could have used it for the treatment of his child. Such plans allow partial withdrawals to fund any intermediate financial needs any time after the competition of five policy tenures. Further, partial withdrawals do not lower the protection level.

5.       Deewar: “Jao pehle us aadmi ka sign le ke  aao jisne mera baap ko chor kaha tha; pehle us aadmi ka sign le ke aao jisne meri maa ko gali deke naukri se nikal diya tha; pehle us aadmi ka sign le ke aao jisne mere haath pe ye leekh diya tha..ye. Uske BAAD, us ke baad, mere bhai, tum jahan kahoge main wahan sign kardoonga”.

This dialogue is enough to tell what Vijay (Amitabh Bachchan) and his brother Ravi (Shashi Kapoor) had to endure after the demise of their father. Even due to the shortage of funds, Vijay had to stop his education in the mid-way and in the process of fighting for the family’s rights, he became a smuggler.

If Vijay’s father had bought a term insurance plan, the life would have been in a better position. Term insurance pays death benefits upon the death of the policyholder so that the family continues to enjoy a life without any financial worries. Further, pure term insurance plans can be sweetened by additional riders at an extra cost. These variants may include, personal accident cover, waiver of premium, terminal illness cover, etc.


Indian cinema is now being used as a case study to learn new things which can be further put into practice to improve the lives and bring more quality to it. We all dance to Hindi songs and try to emulate styles of our favourite Bollywood star. As a hero protects his loved ones from a villain, you should also buy insurance to safeguard your family from life’s adversaries.



Author: admin

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