Life Risk Management

Presentations RISK MANAGEMENT INSURANCE

Insurance Concept ,[object Object],[object Object],[object Object],[object Object],House Hold Expenses Future Needs ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Early Death Disability ? “ 0”

Personal Financial Planning ,[object Object],[object Object],[object Object],[object Object],House Hold Expenses Future Needs ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Insurance Company’s Managed Growth Fund Security Today Cash Tomorrow

Education Presentation ,[object Object],Education Fund Rs. 5.0 Million School Cost Rs. 5,000 p.m ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],15 Yrs. Premium: 60,000---------------------------- 1.30 million (7% inflation) In case of Payer’s early death: ,[object Object],[object Object],[object Object],In case of disability: ,[object Object],[object Object],Safe guarding your children’s educational future

Business Protection ,[object Object],Business Cash Flow Liabilities ,[object Object],[object Object],[object Object],[object Object],M o n e y – in – T r a n s a c t i o n A s s e t s ,[object Object],[object Object],[object Object],[object Object],Business Expenses House Hold Expenses Children’s Higher Education Daughter’s Wedding Loss of Income Medical Expenses Loss of credit Repayment of Loan An “Emergency Fund” is needed to “Repay Loans and to Protect Assets” Early Death Disability

Pension ,[object Object],Retirement Fund Rs. 1,500,000 Working Period Retirement Period ……………… Up to age 60-65 Pension: Annual Rs. 300,000 Monthly Rs. 25,000 Premium Pay: Rs. 67 a day Rs. 2,000 a month Rs. 25,000 a year Pay till 15 years……….375,000 OR One Time .. 150,000 In case of early death: ,[object Object],[object Object],In case of disability: ( Due to Accident) ,[object Object],[object Object]

Planning & Lack of Planning ,[object Object],A B First Saving and then spending Saving Rs. 200,000 Spending Rs. 500,000 10 Y E A R S Spending Rs. 500,000 First Spending and then Paying 10 Y E A R S Paying Rs.1,000,000 “ Both kind of people’s spending is same but the cost is different” “ A” has advantage of planning in advance and the “B” is suffering due to lack of planning.

Creating Real Estate ,[object Object],Rs. 100,000/ per annum 12 11 10 9 8 7 6 5 4 3 2 1 Total Payment in 12 yrs. Rs. 1,200,000 Premium 25 24 23 22 21 20 19 18 17 16 15 14 13 Benefits After 12 yrs. Payable Lump sum Rs.3,000,000 OR Partial withdrawl Rs. 400,000 for 13 yrs . Partial with drawls 5.0 M At 25 th year an other 10 M Total Payment Rs. 15 M ,[object Object],[object Object]

Life Risk Management

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