This presentation was given in 2014 in Various Customer Meet of life Insurance.

1. ight dvise
ariable
&
aluable
Innovative
R IA V

2. • VISUALIZE
• VERBALIZE
• EMOTIONALIZE
• PRAYERIZE
• ACTIONIZE
rravindrakumar@hotmail.com 2
YOU WANT YOUR DREAMS
COMES TRUE…………………..
Commanding The GIANT Within

4. DO YOU BELIVE IN THIS THING?
WHY?
ONLY & ONLY OUR BODY PROTECTION.
WHY OUR FAMILY IS NOT PROTECTED BY
LOVE IS COMPULSORY?

5. DREAMS Which Needs
Financial Planning
Dream Machine
Dream Home /bigger flat
DREAM
Business Consolidation
DREAM
Kids’ education/
Settlement of life
Dream Retirement life
Differentlife
stages
Job starters
Parents
Working Single
Married w/o kids
To achieve the goals,
it can be done through
Wealth Protection &
Wealth Maximization
Protection

6. WHAT IS INSURANCE..
• It is…..
• YOUR STATE OF MIND
• YOUR HAPPINESS
• YOUR HEALTH
• YOUR WEALTH
Ins to whom

7. WHY FINANCIAL PLANNING ??
GET IT FROM OUR SKILLED &
PROFESSIONAL
ADVISER
UN ORAGNIZEDORAGNIZED
NORMAL ADVISER

8. WHAT IS YOUR DREAM FOR YOUR CHILD FUTURE EDUCATION?
2013-14 5-40LAC 3-10LAC 2-5 LAC
2023-24 10-80LAC 6-20LAC 4-10LAC
2028-29 15-120LAC 9-30LAC 6-15LAC
2033-34 20-160LAC 12-40LAC 8-20LAC
DOCTOR ENGINEER M.B.A.
“AAP KUCH BHI SOCH LO ISKA
SAMNA LIFE ME EK*BAR APKO KARNA HI HE.”
1

9. CHILD EDUCATION PLAN
THIS PRIMIUM & MATURITY WILL BE CHANGE IT UR AGE ,TERM & BONUS
50MATURITY
17TH =65K
18TH=75K
19TH=85K
20TH=95K
21TH=105K
22TH=115K
S.A.= 3.7 LAC
A/C S.A.=7.5 LAC
40MATURITY
4 LAC
S.A.= 3 LAC
A/C S.A.=6 LAC
60MATURITY
4TH =60K
8TH=60K
12TH=60K
15TH=60K
20TH=2 LAC
S.A.=2.6LAC
A/C S.A.=5.2 LAC
ONLY SAVE 18 YEAR PER DAY RS.

10. CLOTHES
DAUGHTER MARRIAGE
“GOLD OR SILVER KITNA BHI MEHNGA
KYU NA HO JAYE FIR BHI LADKI KE BAP
KO JAROOR DENA PADTA HE.”
HALL BOOKING LUNCH/DINNERORNAMENTS
MISC.
2013-14 3-15LAC 3 -15LAC 1-5 LAC 2-10LAC 1-5LAC
2023-24 4-22LAC 4-22LAC 2-10LAC 4-15LAC 2-8LAC
2028-29 9-45LAC 9-45LAC 3-15LAC 6-30LAC 3-15LAC
2033-34 12-60LAC 12-60LAC 4-20LAC 8-40LAC 4-20LAC
2

11. Gold Trend 1995 to 2014 in $
1. What is the Return from 1995 to 2007 ?
2. What is the Return from 2011 to 2014 ?
3. What will be the Return in the coming Years ?
4. What have you earned from this asset allocation ?

12. Silver Trend 1995-2014
1. What is the Return from 1995 to 2007 ?
2. 2.What is the Return from 2011 to 2014 ?
3. What will be the Return in the coming Years ?
4. What have you earned from this asset allocation ?

13. DAUGHTER’S MARRIAGE PLAN
64ONLY MATURITY
(10 LAC)
+
N.S.A.=4.5 LAC
A/C S.A.=9 LAC
+
EVRY YEAR DAUGHTER
GET 22000 UP TO DEATH
+
4LAC DAUGHTER S.A.
55ONLY MATURITY
(9.4 LAC)
+
N.S.A=4.0 LAC
A/C.S.A.=8.0 LAC
76ON A/C DEATH
NOMINEE RECIVE
S.A.(6 LAC)
+
AGAIN MATURITY
S.A.+BONUS(12 LAC)
ON NATURAL DEATH
MATURITY BENEFIT(12 LAC)
THIS PRIMIUM & MATURITY WILL BE CHANGE IT UR AGE ,TERM & BONUS
ONLY SAVE 21 YEAR PER DAY RS.

14. FROM AGE
25 TO 55
YOU LIKE A
TIGER
AFTER 55
(RETIREMENT)
IF YOU HAVE NOT
PLANNED
YOU BECOME
SO TO ENJOY RETIREMENT LIFE ,
DO RETIREMENT PLANNIG

17. Comparison of EPS & LIC
If you put in Rs.
541/month EPS
for
EPS Pension Returns if
benefit for
27 years
Corpus @
8% Return
Annuity as
per LIC rate
Returns if
benefit for
27 Years
35 Years Rs. 3435 4.97% 12.41 lac 8242 7.62%
30 Years 2971 5.55% 8.06 lac 5384 7.58%
25 Years 2507 6.27% 5.15 lac 3400 7.48%
20 Years 1857 6.80% 3.19 lac 2090 7.35%
15 Years 1393 7.92% 1.87 lac 1183 7.02%
10 Years 928 9.53% 0.98 lac 656 7.12%

18. Benchmark Interest Rate 2000-14

19. Dollar & Rupee Investment.
1998 2003 2008 2013
$ 1 1 1 1
Rs. 41 46 43 65
Growth 6.45 2.43 -1.30 10.23

20. Inflation is the Big Risk.
1980 2014 2020
Tooth Paste 4 70 125
Gas 26 440 960
Petrol 8 72 300
Movie 5 200 350
Dhosa 1.5 90 275

21. What is the Future Basic Minimum
Financial Need ?
2014 2020 2025 2030
Per
Person
Need.
10000 17239 27136 42719
After Every 20 Year Add one Zero to Income Needed for Life.

22. Retirement Mistakes to Avoid
• Starting Late.
• Ignoring Health
Insurance.
• Not Opting for Pension
Schemes.
• Dipping into Retirement
Savings Prematurely.
• Concentrating on a
Single Option.
• Rushing into Retirement.

23. What type of Risk are there ?
Investments.
• Fixed Deposit.
• Real Estate.
• Forex.
• Equity.
• Corporate
Bonds.
• Govt.
• Mutual Funds.
• Gold & Silver.
Risk Associated
• Inflation & Re-investment.
• Legal & Recurring Income.
• International Risk.
• No Guarantee + Risk.
• High Risk + High Returns.
• High Guarantee + Moderate
Returns.
• Liquidity+ Mkt Risk+ Returns.
• Theft + Volatility + Global Risk.

24. Do You Know ?????
• Why LIC Employees,
• Bank Employees,
• Teachers
• & Other Employees Fight with the
Government.
• Do you Know – What Young Employees are
getting in Govt. Job new Scheme ?
• What is the position of people who took
VRS in Banks & Rushed into Retirement ?

25. Returns are the Price of Security.
Think Pension Think Jeevan
Akshaya, New Jeevan Nidhi,
Retire & Enjoy ETC.

26. Jeevan Akshay-VI-189.
Plan Features.
• Age 30-85.
• Annuity All Mode
• 7 Pension
Options.
• Make Tax Free
Pension.
• Benefit of 80 C +
80 C.
Whom to Target.
• Ladies without Pension.
• Couple with Single Girl
Child.
• Couple with children
abroad.
• NRI with Options.
• Single Shot Income
holders.
• Celebrities. ( Sport & TV
Stars )

27. Enjoy Retirement with Family.

28. Re – Tire & Don’t Enjoy.

29. Sholey Actors & Financial Planning

30. Analysis of Sholey Actors ?
1.Amjat Khan.
2.Sanjeev kumar.
3.Hema Malini.
4.Dharmendra.
5.Jaya Bachan.
6.A. K. Hungal.

31. Actor Died in Dire Poverty.

32. Have you planned your Rich
Retirement ?

33. ARE YOU A WRITER?
KYA AAP FUTURE ME WRITER BANKAR GOOD BOOK LIKH SAKTE HE?
KYA AAP AAPKI DHAMA PATNI SE BUDHAPE ME ALAG RAH SAKTE HE?
KYA AAP BU DHA PE 1 MAHINE CHASME KI FRAME BAGAR RAH SAKTE HE?
KYA AAP BUDHAPE ME NOKRI KAR SAKTE HE?
KYA AAP NE 1 BACCHA DATAK LI YA HE?
JO BHAVISHAY ME AAP KI SEVA KAR SAKE YA AARTHIK SAHYOG DE SAKE?

34. Plan for your Big Smile on
Retirement & through out life.

35. QUESTION IS NOT WHAT AGE I RETIRE?
BUT
QUESTION IS HOW MANY
INCOME I RETIRE?
RETIREMENT IN STYLE

36. INDIAN CENSUS 2011 REPORT SARVEY
AFTER 65 AGE
540 PEOPLE
DEPENDEND
360 DEATH 50 WORKING
40 PENSIONER 10 ROYAL LIFE
INDIAN AVERAGE AGE 78 YEARS

37. PENSION PLAN
30MATURITY (5 LAC)
OR
GET 40,000 PENSION
+
N.S.A=2.5 LAC
A/C.S.A.=5.0 LAC
100
THIS PRIMIUM & MATURITY WILL BE CHANGE IT UR AGE ,TERM & BONUS
ONLY SAVE 20 YEAR PER DAY RS.
60GET 50,000 PENSION
INCRESE AT 5%
EVRY YEAR
(10 LAC)
+
N.S.A.=5LAC
A/C S.A.=10 LAC
+
LIFE TIME RISK COVER
MATURITY (16 LAC)
OR
GET 1,20,000 P.A. PENSION
+
AFTER DEATH WIFE IS ALSO
GET 1,20,000 P.A. PENSION
N.S.A=7.5 LAC
A/C.S.A.=15 LAC

38. WHY HEALTH CARE?
MEDICLAIM BENEFIT?
MEDICAL IMEREGENCY BINA PLANNING
SE AATI HE
OR
USKA SOLUTION BHI BINA PLANNING
SE HI HOTA HE ……
TO ABHI….
TO GET MEDICLAIM ONLY 16 TO 40 RS. (H+W+C1+C2)
4

39. IF U HAVE 1 HEN .IT GIVES DAILY 1 GOLD EGG.
HEN CREATED
WHOM INSURANCE IS 1ST.?
HEN YA GOLD EGG?
CAR, HOME, BUSINESS EMPIRE ALLARE INSURED AT PRESENT VALUE &
WE?
WE CREATED

40. JO ITEMITEMITEMITEM JISKE LIYE BANI HE USKO USI KE LIYE
RAHNE DO TO
USKI KIMATKIMATKIMATKIMAT BHI RAHTI HE OR
USKA ANNADANNADANNADANNAD BHI……
≠
PRICE
≠
VALUE
≠
≠≠

41. REAL ESTATE GOLD JEWELLERS BUSINESS HOUSE
UR SON’S EDUCATION,DAUGHTER’S MARRIAGE,PERSONAL RETIREMNT
THEY DON’T guarantee
COVER ALL THIS THING WITH
BUT ONLY

42. SO
WHAT
DO YOU
THINK
???

44. NEEDNEEDNEEDNEED PlansPlansPlansPlans
ChildChildChildChild’ssss
FutureFutureFutureFuture
ProvisionProvisionProvisionProvision
SavingsSavingsSavingsSavings----
cumcumcumcum----RiskRiskRiskRisk
CoverCoverCoverCover
Regular CashRegular CashRegular CashRegular Cash
FlowFlowFlowFlow
TermTermTermTerm
AssuranceAssuranceAssuranceAssurance
Whole LifeWhole LifeWhole LifeWhole Life
For SuccessfulFor SuccessfulFor SuccessfulFor Successful
Men andMen andMen andMen and
WomenWomenWomenWomen
Provision forProvision forProvision forProvision for
Old AgeOld AgeOld AgeOld Age
CapitalCapitalCapitalCapital
MarketMarketMarketMarket
LinkedLinkedLinkedLinked
SpecialSpecialSpecialSpecial
Flexible PlanFlexible PlanFlexible PlanFlexible Plan
Special PlanSpecial PlanSpecial PlanSpecial Plan
For WomenFor WomenFor WomenFor Women
There are
several types of
life insurance
and
there are many
decisions you
will have to
make when
assessing your
life insurance
needs

46. Under Section 37 of the Life
Insurance Corporation of India
Act 1956: the sums assured by
all policies issued by the
Corporation including any
bonuses declared in respect
thereof shall be guaranteed as
to payment in cash by the
Central Government.
No other financial organisation in the India enjoys
such a Guarantee

47. Your Mentor?
•• Professional Manager with 30 + yearsProfessional Manager with 30 + years
Experience in Management of LifeExperience in Management of Life
Insurance Marketing and Operation.Insurance Marketing and Operation.
••Global Experience with People CapitalGlobal Experience with People Capital
••More then 200 Seminars on Mind Power.More then 200 Seminars on Mind Power.
••Mentored Messengers to ManagingMentored Messengers to Managing
Directors. Of Corporate World.Directors. Of Corporate World.
••More then 100 Web PublishMore then 100 Web Publish
••T.V PresenterT.V Presenter
•• NLP TrainerNLP Trainer
•• Motivational SpeakerMotivational Speaker
••Visited UK ,USA, New Zealand, Australia,Visited UK ,USA, New Zealand, Australia,
Canada & Other 11 countries by invitationCanada & Other 11 countries by invitation

48. HELP HIM TO HELP YOU
•ANY QUESTION ???

49. R. Ravindra KumarR. Ravindra Kumar

50. FORMULA OF SUCCESS…….
• SO IF YOU ARE LOOKING FOR A FORMULA NOW
I SUGGEST……….
• KNOWLEDGE +
• SELF WORTH +
• TRUST +
• ACTION =
» “SUCCESS”
Seeing is believing

51. 51
R.R.R.R.R.R.R.R. RavindraRavindraRavindraRavindraRavindraRavindraRavindraRavindra KumarKumarKumarKumarKumarKumarKumarKumar
Regional Manager
LIC OF INDIA
Gandhinagar
Just call on 0091 9726351246 Or
send TEXT ON +919427960310
Email ME@ r.ravindrakumar@licindia.com
rravindrakumar@hotmail.com
rravindrakumar@gmail.com
rravindrakumar@yahoo.com
rravindrakumar@rediffmail.com
Join me @
http://www.ca.linkedin.com/pub/r-ravindra-kumar-chief-mentor/0/670/107
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