1. A GUIDEBOOK ON INSURABLE INTEREST
When do we think Insurance?
Engagement and Marriage
Birth in the Family
Promotion, change in life due to growth in Business or Rise in Salary
Major illness, Narrow escape from accidents
Death in the Family
Purchase of a House
Winning a valuable gift, Capital gain
Tax savings and more...
Insurance Benefits
Return adequate money to end financial sufferings
Return avoiding distress by sale of asset in financial emergency
Return support to the business progress towards its vision
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UNDERSTANDING THE NEED OF INSURANCE
INSURANCE TYPES AND HIGHLIGHTS
KNOWLEDGE ABOUT HLV AND HNWI
AGENT OF LIFE INSURANCE
MANAGE YOUR INSURANCE
MONEY HAPPINESS HEALTH PEACE
COMMENTS
E MAIL: sriramantvm@yahoo.co.in

2. A GUIDEBOOK ON INSURABLE INTEREST
Why do we need Insurance?
UNDERSTANDING THE NEED OF INSURANCE
Life is full of changes in order to increase the standard of living
Life demands to provide for future financial contingencies
Life Insurance contract is a binding mutual trust ensures a sense of relief being high
worth leading to self respect
The strategic secret of relationship is trust
Insurance is a bond wherein regular Premium, an appropriate price is to pay to get compensation in
lump sum as SI in the event of risk or at the end of the term period based on proposes` s life
A Life Insurance contract is given based on the Questionnaire of proposal form
Life Insurance is a Value based financial contract tailored or bundled to the specific needs of the
clients. Agent recommendations and Advice is worth to get conclusions and give consent for a
valuable pathiram, the Document.
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What is Insurance?
INSURANCE TYPES AND HIGHLIGHTS
Insurance is a contract. Insurance contract are agreements between insurer and insured
for the purpose of transferring from the insured to the insurer a part of the risk of loss
arising out of contingent contract
JEEVAN SARAL ---- FIXED PREMIUM FOR ALL AGES
JEEVAN TARANG----- WHOLE LIFE PLAN 6YR PPT
JEEVAN ANAND ----- WHOLE LIFE PLAN WITH PROFIT
JEEVAN CHAAYA----- CHILDREN PLAN WITH PROFIT
10 TH STD PLAN FOR 1YR BABY
NEW JANARAKSHA ---- PROFIT PLAN WITH NO LAPSE
NEW BHIMA GOLD ----- MONEY BACK
NEW BHIMA BACHAT ---- SP MONEY BACK
E MAIL: sriramantvm@yahoo.co.in

3. A GUIDEBOOK ON INSURABLE INTEREST
How to Determine Life Insurance?
KNOWLEDGE ABOUT HLV AND HNWI
Future Earning Span = X yrs
Average Monthly Income = Y rs
HLV = Present value of the future income earning potential HUMAN LIFE VALUE
i e HLV = X * Y = Approx S I
Every person is Unique. Have Unlimited interest in life. Sum Insured will be Approximate
Make tomorrow better than today
Maximum cover allowable as a multiple of average income is 12 times
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What do you know about agent of Life Insurance?
AGENT OF LIFE INSURANCE
Agent will draw a Presentation plan for client and this is his interest as a
assumption of the client interest. Agent is Referrer or Introducer to the
Insurance
உஙகள ல ஒரவன மனம த றநத ப சக பறன
One leads to another. Calculate your life. Ascertain based on Safety, Liquidity, Tax benefit, return
on savings and your future interest.
Willing to live happily, healthily and peacefully is our Birth rights.
Do I have to manage my Insurance Policies?
MANAGE YOUR INSURANCE
Knowledge about your insurance policies is must to make it live or in force.
Ask Insurance Agent about the details in the contract Document. File and keep the
records safely.
E MAIL: sriramantvm@yahoo.co.in