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@jimkhong Transfer is done via EPFO member interface itself. It will ask you to choose which company should do attestation. You may choose X or Z, any one. After transfer claim/request is generated, contact the company you chose for attestation and notify them to approve the claim. After their...

@jimkhong First you need to put in a transfer request for funds in Company X to come in Company Z. Only afterwards you should put in a withdrawal request. We cannot selectively choose to withdraw from specific companies; it's always the latest one.

@tonych Sona sone patole yeah...

@judee Okay.. they might suggest you to get riders on your policy. It's fine to opt for critical illness and disability one. But they could also suggest you getting one where you get your premiums back on maturity, you can definitely avoid that one.

@judee Yes in my opinion, term insurance till one is 85 is way too long. Regardless of whether one will actually live that long, the reasoning behind getting a term insurance is to protect dependents (family, parents) against untimely death of someone who is earning. Typically, people retire at...