This is the time of the year when you start getting sales calls and unwanted advice on tax-saving products. Friendly souls from your bank would also pitch in. Mostly these calls and advice would be about hybrid products that mix insurance and investments. The sales pitch is very simple: you would get insurance, returns and tax benefits. However, it is in your interest to stay clear of these products.
"Sales representatives often pitch ULIP as a tax saving investment product simil ..
