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• PRESENTED BY:
• MUNISH KUMAR (16M910)
DoMH,NIT HAMIRPUR
INSURANCE
• It is protection of economic value of an assets.
• Human life is asset for family.
• With insurance there transfer of risk.
• The concept of insurance comes in 1706.
• In India oriental life insurance company ltd ;1818
• 1938 –Insurance Act
• 1999 –Insurance Regulation Development Authority
• 2015–Insurance Regulation Development Authority of
India.
• Income tax deduction Sec 80c Investment tax benefit up to
1.5 lac
• Sec10(10D) of income tax act ,1961 on maturity no tax.
VISION
• To be the leading provider of wealth management, protection and
retirement solutions that meets the needs of our customers and
adds value to their lives.
MISSION
• To continually strive to enhance customer experience through
innovative product offerings, dedicated relationship management
and superior service delivery while striving to interact with our
customers in the most convenient and cost effective manner.
Introduction
• A joint venture agreement signed on November 2006 with
IDBI, Federal & Ageas.
• Federal Bank, one of India's leading private sector banks and
Ageas, a multinational insurance giant based out of Europe.
• Received license on December 2007 from IRDA & on March
2008 sold first policy & in August 2010 they did rebranding
(IDBI Fortis to IDBI Federal Life Insurance).
• First IDBI was called IDBI Limited , and loan provides for
industries only. Since 1964.
• After 1st October 2004, IDBI Bank started its banking
operations in house loans, account opening and saving
accounts. It is an Indian government company.
• Federal Bank started from 1934, it is a private Indian bank &
one of the oldest bank.
Erstwhile Development Financial Institution
 Headquartered in Mumbai
 Over 1700+ branches and 3000 ATMs as on 2014
 Instrumental in sponsoring the development of key institutions (NSE, NSDL etc.)
Erstwhile Travancore Federal Bank
 Headquartered at Aluva, Kerala
 Over 1,247 branches and 1,485 ATMs spread across India as on Feb’2014
 Pioneer in providing innovative technological solutions to its customers
 Serves over four million retail customers with a wide variety of financial products
A global insurance giant
 Headquartered in Brussels, Belgium
 Heritage spanning more than 180 years
 Ranked among the top 20 insurance companies in Europe
 Market leader in Belgium for individual life and employee benefits
 Fourth largest player in private insurance in UK
About IDBI Federal Life Insurance
5
48% 26%
26%
IDBI Federal Life Insurance is a joint venture between:
One of India’s growing life insurance companies
 Headquartered in Mumbai, India .
 Total employee strength of 1900+ & 10,000 agents as on June’15 .
 Ranks 11th in the list of Life Insurance companies in India for Individual New Business Premium
(Economic Times 29 NOV 2016)
6
YOU are part of a Company that …
Aims to deliver
world-class wealth
management,
protection and
retirement solutions
that provide value
and convenience to
the Indian customer.
Offers its services
through a vast
nationwide network
2, 964 bank
branches in addition
to a sizeable
network of advisors
and partners
Has issued nearly
10.29 lakh policies
with a sum assured
of over Rs. 58654
crore as on March
31, 2017
Source: http://www.idbifederal.com/AboutUs/Pages/Company-Profile.aspx
We Care for our customers
7
In order to offer best-in-class claims experience
to our customers, we have
We will settle claims in 8 days
or
We will pay 8% interest p.a. for each
day of delay*
MARKET SHARE (%)
LIFE INSURERS in India
1. LIC 76.07
2. ICICI Prudential 6.91
3. Bajaj Allianz 4.75
4. HDFC Standard 2.98
5. Birla Sun life 1.72
6. Tata AIG 1.66
7. SBI Life 1.46
8. Max New York 1.28
9. Aviva 1.08
10. Kotak Mahindra Old Mutual 0.71
11. ING Vysya 0.54
12. IDBI Federal 0.46
13. Met Life 0.37
14. Sahara Life 0.03
Private total 23.93
Public total 76.07
Grand total 100.00 SOURCE (IMS DEHRADUN)
UNIQUE SELLING PONT
Having commenced operations in 2008, IDBI
Federal achieved breakeven within just 5 years
Our Solvency ratio is sound at 507% against
minimum regulatory requirement of 150% for
FY14-15.
New Business
Premium growth of
53% over previous
FY(2013-14)
No interest paid to
claimants for delays
in the 8 day claim
guarantee(March 31,
2017)
Business of Rs.1558 crore.
It is increased by27% of
previous year(March 31,
2017)
10
UNIQUE SELLING PONT s…contd.
Support
• All Participants will be
trained by the experts
who have expertise in:
• Providing Financial
Solutions
• Convincing skills
• Need Analysis
• Customized Solution
SIP Structure
Module 1
• Module 1 is common for every
one
• It will consist basics and history
on financial products like
protection, saving and wealth
management
• Classroom training only
Module 2
• Module 2 will be based on your
expertise.
• It will consist content and activity
related to your core stream.
• Field Activity- Like lead generation
activity, customer connect,
engagement etc.
PRODUCT
TRADITIONAL
PLAN
e.g. Risk with
company or fixed rate
return
UNILINKED
INSURANCE PLAN
Risk with proposer
Returns are not fixed
Components of Premium
Premium
Expenses Mortality rate Investment
PURE ENDOWMENT
(REVERSE OF THE TERM
PLAN or INVESTMENT)
TERM PLAN(ONLY
DEATH CLAIMS,
BEST PLAN OF LIFE
INSURANCE)
ENDOWMENT PLAN
LIST OF PLANS
• IDBI FEDRAL LIFE INSURANCE LIFESURANCE
SAVING PLAN
• IDBI FEDRAL CHILDSURANCE SAVING PROTECTION
PLAN
• IDBI FEDRAL LIFE INSURANCE GUARANTEED
WEALTH PLAN
• IDBI FEDRAL SECURED INCOME INSURANCE PLAN
HUMAN LIFE VALUE
• ANNUAL INCOME BY HUMAN.
• H.L.V=FAIMLY INCOME/ROI
• FAIMLY INCOME IS ANNUAL INCOME BY EARNING
MEMBER –EXPENSES OF EARNING MEMBER.
• Annual income is Rs.1000000
• Expenses are of Rs.200000
• Family income would be Rs.800000
• If ROI is 5%
• Than H.L.V=800000*100/5 i.e.Rs.16000000
• Therefore sum assured of total insurance policy to this
person should not exceeded to H.L.V
How to make list of target customer.
2*
Money low, closure high.
1*
Closure high,
Paying capacity high.
3*
Closure low, money low
4*
Closure low, money high
MONEY
RELATION GRID
MONEY RELATION GRID
Check sheet
S.NO NAME OF TARGET CUSTOMER RELATION
RELATION GRID
NO. LOCATION
MODE OF
COMMUNICATION RESPONSE OCCUPATION
1MANOJ SINGH COUSIN 1SONIPAT TELEPHONIC ALEREADY OWNED
JUNIOR ENGINEER
PGCL
2RAJPAL UNCLE 1HAMIRPUR
PERSONALMEETIN
G ALEREADY OWNED GOVT.TEACHER
3BALDEV SINGH UNCLE 2NALAGARGH TELEPHONIC ALEREADY OWNED EX-SERVICE MAN
4SURJEET SINGH UNCLE 2NALAGARGH
PERSONALMEETIN
G NOT INTERSTED
ASSISTANT
MANAGER
5ASHISH MEHTA FRIEND 1KULLU TELEPHONIC WAITED SITE ENGINEER
6ANKUSH THAKUR FRIEND 1KANPUR TELEPHONIC WAITED AIRFORCE
7VIRENDER SINGH COUSIN 1CHANDIGARGH TELEPHONIC NOT INTERSTED PLANT MANAGER
8VISHAL KUMAR FRIEND 2KINNOUR TELEPHONIC NOT INTERSTED
JUNIOR ENGINEER
HP
9VIVEK FRIEND 2DELHI TELEPHONIC WAITED SITE ENGINEER
10ASHOK KUMAR COUSIN 1HAMIRPUR
PERSONALMEETIN
G WAITED
ASSISTANT
MANAGER
11SUKHJOT SINGH FRIEND 1GOBINDGARGH TELEPHONIC NOT INTERSTED QUALITY MANAGER
12HEENA THAKUR FRIEND 1BANGLORE TELEPHONIC WAITED PROGRAMER
13NIDHI CHUHAN FRIEND 1HAMIRPUR
PERSONALMEETIN
G WAITED GOVT LECTURER
14HARISH KUMAR FRIEND 1HAMIRPUR
PERSONALMEETIN
G WAITED GOVT LECTURER
15TAJESH SHARMA FRIEND 1DELHI TELEPHONIC NOT INTERSTED ENGINEER L&t
16SAMARTH SINGH PATIYAL FRIEND 1ANDRA PRADESH TELEPHONIC NOT INTERSTED
ASSISTANT
MANAGER
Check sheet
S.NO NAME OF TARGET CUSTOMER RELATION
RELATION GRID
NO. LOCATION
MODE OF
COMMUNICATIONRESPONSE OCCUPATION
17SANGEETA FRIEND 1CHANDIGARGH
PERSONALMEETIN
G WAITED OWN VENTURE
18KEYUR FRIEND 1DELHI TELEPHONIC ALEREADY OWNED ENGINEER L&t
19ASHOK KUMAR FRIEND 1HAMIRPUR
PERSONALMEETIN
G CONVERTED LAB TECH.
20Dr.VIVEK TIWARI TEACHER 1HAMIRPUR
PERSONALMEETIN
G WAITED
ASSISTANT
PROFESSOR
21Dr.VIKAS THAKUR TEACHER 1HAMIRPUR
PERSONALMEETIN
G NOT INTERSTED
ASSISTANT
PROFESSOR
22ANKITA SHARMA TEACHER 1HAMIRPUR
PERSONALMEETIN
G ALEREADY OWNED
ASSISTANT
PROFESSOR
23R.P.VERMA TEACHER 1HAMIRPUR
PERSONALMEETIN
G WAITED
ASSISTANT
PROFESSOR
24KAMLESH KUMAR UNCLE 1HAMIRPUR
PERSONALMEETIN
G ALEREADY OWNED BANK MANAGER
25RAMESH CHAND UNCLE 2HAMIRPUR
PERSONALMEETIN
G ALEREADY OWNED EX-SERVICE MAN
26RAKESH KUMAR COUSIN 2HAMIRPUR
PERSONALMEETIN
G ALEREADY OWNED OWN VENTURE
27YOGRAJ UNCLE 2HAMIRPUR
PERSONALMEETIN
G ALEREADY OWNED OWN VENTURE
28BABLI SINGH UNCLE 1HAMIRPUR
PERSONALMEETIN
G WAITED GOVT.TEACHER
29AJAY TANWAR 1GOBINDGARGH TELEPHONIC ALEREADY OWNED
GENERAL
MANAGER
30AJAY BAJAJ 1GOBINDGARGH TELEPHONIC ALEREADY OWNED
MARKETING
MANAGER
31HASSAN FRIEND 2MANDI TELEPHONIC WAITED OWN VENTURE
Work Experience
• Designation Wealthsurance Advisor of IDBI Federal Life
Insurance Co. Ltd.
• Target location : Hamirpur (H.P)
• Time Period 15 days.
• I have been interacted to 31 potential customers from P50
list.
• Getting feedback about life insurance, and IDBI Federal
Life Insurance Co. Ltd.
• I sold one IDBI FEDRAL CHILDSURANCE SAVING
PROTECTION PLAN of Rs.27000 only.
• Got the incentive of Rs.5900 only.
IDBI FEDRAL CHILDSURANCE SAVING
PROTECTION PLAN
• Minimum age of child is 1 month & Maximum is 17 years.
• Minimum Policy term is 11 years with 3 payouts(PT is up to
14years).
• Maximum is 25 years with 5 payouts(PT is more than 14
years)
• Maximum age of Insured person is 40 years.
• Minimum Premium is 25000 +4.05% Tax
DIFFERENCE B/WFD &CHILD PLAN
Quarries/Problems from Target
Customer.
• Why would they buy policy from IDBI Federal LICL?
• Security Issues?
• Crippling Stage of IDBI Federal LICL.
• Unawareness of Brand.
• We are not permanent Agents.(Relationship based
sales done in insurance Sector)
• Huge amount of investment .i.e. 25000 +4.05tax
• Annual payment of Premium.
Key Learnings
• Demonstrate effective use of written, verbal, and
non-verbal communication.
• Use industry terminology, interpret legal
documents related to the insurance industry
(including policy wording).
• Work as a professional through demonstration of
a strong work ethic, adherence to professional
standards, licensing requirements, and the Code
of Ethics.
Key Learnings
• Provide exceptional customer service through
confident demonstration.
• Analyzing and responding to customer needs, and
developing client-specific insurance solutions and
determining insurable value.
• Convincing & Negotiation skills.
Accessing the qualty of services diliverd to customer
Accessing the qualty of services diliverd to customer

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Accessing the qualty of services diliverd to customer

  • 1. • PRESENTED BY: • MUNISH KUMAR (16M910) DoMH,NIT HAMIRPUR
  • 2. INSURANCE • It is protection of economic value of an assets. • Human life is asset for family. • With insurance there transfer of risk. • The concept of insurance comes in 1706. • In India oriental life insurance company ltd ;1818 • 1938 –Insurance Act • 1999 –Insurance Regulation Development Authority • 2015–Insurance Regulation Development Authority of India. • Income tax deduction Sec 80c Investment tax benefit up to 1.5 lac • Sec10(10D) of income tax act ,1961 on maturity no tax.
  • 3. VISION • To be the leading provider of wealth management, protection and retirement solutions that meets the needs of our customers and adds value to their lives. MISSION • To continually strive to enhance customer experience through innovative product offerings, dedicated relationship management and superior service delivery while striving to interact with our customers in the most convenient and cost effective manner.
  • 4. Introduction • A joint venture agreement signed on November 2006 with IDBI, Federal & Ageas. • Federal Bank, one of India's leading private sector banks and Ageas, a multinational insurance giant based out of Europe. • Received license on December 2007 from IRDA & on March 2008 sold first policy & in August 2010 they did rebranding (IDBI Fortis to IDBI Federal Life Insurance). • First IDBI was called IDBI Limited , and loan provides for industries only. Since 1964. • After 1st October 2004, IDBI Bank started its banking operations in house loans, account opening and saving accounts. It is an Indian government company. • Federal Bank started from 1934, it is a private Indian bank & one of the oldest bank.
  • 5. Erstwhile Development Financial Institution  Headquartered in Mumbai  Over 1700+ branches and 3000 ATMs as on 2014  Instrumental in sponsoring the development of key institutions (NSE, NSDL etc.) Erstwhile Travancore Federal Bank  Headquartered at Aluva, Kerala  Over 1,247 branches and 1,485 ATMs spread across India as on Feb’2014  Pioneer in providing innovative technological solutions to its customers  Serves over four million retail customers with a wide variety of financial products A global insurance giant  Headquartered in Brussels, Belgium  Heritage spanning more than 180 years  Ranked among the top 20 insurance companies in Europe  Market leader in Belgium for individual life and employee benefits  Fourth largest player in private insurance in UK About IDBI Federal Life Insurance 5 48% 26% 26% IDBI Federal Life Insurance is a joint venture between: One of India’s growing life insurance companies  Headquartered in Mumbai, India .  Total employee strength of 1900+ & 10,000 agents as on June’15 .  Ranks 11th in the list of Life Insurance companies in India for Individual New Business Premium (Economic Times 29 NOV 2016)
  • 6. 6 YOU are part of a Company that … Aims to deliver world-class wealth management, protection and retirement solutions that provide value and convenience to the Indian customer. Offers its services through a vast nationwide network 2, 964 bank branches in addition to a sizeable network of advisors and partners Has issued nearly 10.29 lakh policies with a sum assured of over Rs. 58654 crore as on March 31, 2017 Source: http://www.idbifederal.com/AboutUs/Pages/Company-Profile.aspx
  • 7. We Care for our customers 7 In order to offer best-in-class claims experience to our customers, we have We will settle claims in 8 days or We will pay 8% interest p.a. for each day of delay*
  • 8. MARKET SHARE (%) LIFE INSURERS in India 1. LIC 76.07 2. ICICI Prudential 6.91 3. Bajaj Allianz 4.75 4. HDFC Standard 2.98 5. Birla Sun life 1.72 6. Tata AIG 1.66 7. SBI Life 1.46 8. Max New York 1.28 9. Aviva 1.08 10. Kotak Mahindra Old Mutual 0.71 11. ING Vysya 0.54 12. IDBI Federal 0.46 13. Met Life 0.37 14. Sahara Life 0.03 Private total 23.93 Public total 76.07 Grand total 100.00 SOURCE (IMS DEHRADUN)
  • 9. UNIQUE SELLING PONT Having commenced operations in 2008, IDBI Federal achieved breakeven within just 5 years Our Solvency ratio is sound at 507% against minimum regulatory requirement of 150% for FY14-15.
  • 10. New Business Premium growth of 53% over previous FY(2013-14) No interest paid to claimants for delays in the 8 day claim guarantee(March 31, 2017) Business of Rs.1558 crore. It is increased by27% of previous year(March 31, 2017) 10 UNIQUE SELLING PONT s…contd.
  • 11. Support • All Participants will be trained by the experts who have expertise in: • Providing Financial Solutions • Convincing skills • Need Analysis • Customized Solution
  • 12. SIP Structure Module 1 • Module 1 is common for every one • It will consist basics and history on financial products like protection, saving and wealth management • Classroom training only Module 2 • Module 2 will be based on your expertise. • It will consist content and activity related to your core stream. • Field Activity- Like lead generation activity, customer connect, engagement etc.
  • 13. PRODUCT TRADITIONAL PLAN e.g. Risk with company or fixed rate return UNILINKED INSURANCE PLAN Risk with proposer Returns are not fixed
  • 14. Components of Premium Premium Expenses Mortality rate Investment
  • 15. PURE ENDOWMENT (REVERSE OF THE TERM PLAN or INVESTMENT) TERM PLAN(ONLY DEATH CLAIMS, BEST PLAN OF LIFE INSURANCE) ENDOWMENT PLAN
  • 16. LIST OF PLANS • IDBI FEDRAL LIFE INSURANCE LIFESURANCE SAVING PLAN • IDBI FEDRAL CHILDSURANCE SAVING PROTECTION PLAN • IDBI FEDRAL LIFE INSURANCE GUARANTEED WEALTH PLAN • IDBI FEDRAL SECURED INCOME INSURANCE PLAN
  • 17. HUMAN LIFE VALUE • ANNUAL INCOME BY HUMAN. • H.L.V=FAIMLY INCOME/ROI • FAIMLY INCOME IS ANNUAL INCOME BY EARNING MEMBER –EXPENSES OF EARNING MEMBER. • Annual income is Rs.1000000 • Expenses are of Rs.200000 • Family income would be Rs.800000 • If ROI is 5% • Than H.L.V=800000*100/5 i.e.Rs.16000000 • Therefore sum assured of total insurance policy to this person should not exceeded to H.L.V
  • 18. How to make list of target customer. 2* Money low, closure high. 1* Closure high, Paying capacity high. 3* Closure low, money low 4* Closure low, money high MONEY RELATION GRID
  • 20. Check sheet S.NO NAME OF TARGET CUSTOMER RELATION RELATION GRID NO. LOCATION MODE OF COMMUNICATION RESPONSE OCCUPATION 1MANOJ SINGH COUSIN 1SONIPAT TELEPHONIC ALEREADY OWNED JUNIOR ENGINEER PGCL 2RAJPAL UNCLE 1HAMIRPUR PERSONALMEETIN G ALEREADY OWNED GOVT.TEACHER 3BALDEV SINGH UNCLE 2NALAGARGH TELEPHONIC ALEREADY OWNED EX-SERVICE MAN 4SURJEET SINGH UNCLE 2NALAGARGH PERSONALMEETIN G NOT INTERSTED ASSISTANT MANAGER 5ASHISH MEHTA FRIEND 1KULLU TELEPHONIC WAITED SITE ENGINEER 6ANKUSH THAKUR FRIEND 1KANPUR TELEPHONIC WAITED AIRFORCE 7VIRENDER SINGH COUSIN 1CHANDIGARGH TELEPHONIC NOT INTERSTED PLANT MANAGER 8VISHAL KUMAR FRIEND 2KINNOUR TELEPHONIC NOT INTERSTED JUNIOR ENGINEER HP 9VIVEK FRIEND 2DELHI TELEPHONIC WAITED SITE ENGINEER 10ASHOK KUMAR COUSIN 1HAMIRPUR PERSONALMEETIN G WAITED ASSISTANT MANAGER 11SUKHJOT SINGH FRIEND 1GOBINDGARGH TELEPHONIC NOT INTERSTED QUALITY MANAGER 12HEENA THAKUR FRIEND 1BANGLORE TELEPHONIC WAITED PROGRAMER 13NIDHI CHUHAN FRIEND 1HAMIRPUR PERSONALMEETIN G WAITED GOVT LECTURER 14HARISH KUMAR FRIEND 1HAMIRPUR PERSONALMEETIN G WAITED GOVT LECTURER 15TAJESH SHARMA FRIEND 1DELHI TELEPHONIC NOT INTERSTED ENGINEER L&t 16SAMARTH SINGH PATIYAL FRIEND 1ANDRA PRADESH TELEPHONIC NOT INTERSTED ASSISTANT MANAGER
  • 21. Check sheet S.NO NAME OF TARGET CUSTOMER RELATION RELATION GRID NO. LOCATION MODE OF COMMUNICATIONRESPONSE OCCUPATION 17SANGEETA FRIEND 1CHANDIGARGH PERSONALMEETIN G WAITED OWN VENTURE 18KEYUR FRIEND 1DELHI TELEPHONIC ALEREADY OWNED ENGINEER L&t 19ASHOK KUMAR FRIEND 1HAMIRPUR PERSONALMEETIN G CONVERTED LAB TECH. 20Dr.VIVEK TIWARI TEACHER 1HAMIRPUR PERSONALMEETIN G WAITED ASSISTANT PROFESSOR 21Dr.VIKAS THAKUR TEACHER 1HAMIRPUR PERSONALMEETIN G NOT INTERSTED ASSISTANT PROFESSOR 22ANKITA SHARMA TEACHER 1HAMIRPUR PERSONALMEETIN G ALEREADY OWNED ASSISTANT PROFESSOR 23R.P.VERMA TEACHER 1HAMIRPUR PERSONALMEETIN G WAITED ASSISTANT PROFESSOR 24KAMLESH KUMAR UNCLE 1HAMIRPUR PERSONALMEETIN G ALEREADY OWNED BANK MANAGER 25RAMESH CHAND UNCLE 2HAMIRPUR PERSONALMEETIN G ALEREADY OWNED EX-SERVICE MAN 26RAKESH KUMAR COUSIN 2HAMIRPUR PERSONALMEETIN G ALEREADY OWNED OWN VENTURE 27YOGRAJ UNCLE 2HAMIRPUR PERSONALMEETIN G ALEREADY OWNED OWN VENTURE 28BABLI SINGH UNCLE 1HAMIRPUR PERSONALMEETIN G WAITED GOVT.TEACHER 29AJAY TANWAR 1GOBINDGARGH TELEPHONIC ALEREADY OWNED GENERAL MANAGER 30AJAY BAJAJ 1GOBINDGARGH TELEPHONIC ALEREADY OWNED MARKETING MANAGER 31HASSAN FRIEND 2MANDI TELEPHONIC WAITED OWN VENTURE
  • 22. Work Experience • Designation Wealthsurance Advisor of IDBI Federal Life Insurance Co. Ltd. • Target location : Hamirpur (H.P) • Time Period 15 days. • I have been interacted to 31 potential customers from P50 list. • Getting feedback about life insurance, and IDBI Federal Life Insurance Co. Ltd. • I sold one IDBI FEDRAL CHILDSURANCE SAVING PROTECTION PLAN of Rs.27000 only. • Got the incentive of Rs.5900 only.
  • 23. IDBI FEDRAL CHILDSURANCE SAVING PROTECTION PLAN • Minimum age of child is 1 month & Maximum is 17 years. • Minimum Policy term is 11 years with 3 payouts(PT is up to 14years). • Maximum is 25 years with 5 payouts(PT is more than 14 years) • Maximum age of Insured person is 40 years. • Minimum Premium is 25000 +4.05% Tax
  • 25. Quarries/Problems from Target Customer. • Why would they buy policy from IDBI Federal LICL? • Security Issues? • Crippling Stage of IDBI Federal LICL. • Unawareness of Brand. • We are not permanent Agents.(Relationship based sales done in insurance Sector) • Huge amount of investment .i.e. 25000 +4.05tax • Annual payment of Premium.
  • 26. Key Learnings • Demonstrate effective use of written, verbal, and non-verbal communication. • Use industry terminology, interpret legal documents related to the insurance industry (including policy wording). • Work as a professional through demonstration of a strong work ethic, adherence to professional standards, licensing requirements, and the Code of Ethics.
  • 27. Key Learnings • Provide exceptional customer service through confident demonstration. • Analyzing and responding to customer needs, and developing client-specific insurance solutions and determining insurable value. • Convincing & Negotiation skills.

Editor's Notes

  1. erstwhile Development Financial Institution Headquartered in Mumbai Over 1700+ branches and 3000 ATMs instrumental in sponsoring the development of key institutions (NSE, NSDL etc.)
  2. To be checked