For this you need to focus on your personal and professional life, Habits, Ambitions, Future goals, Legal responsibilities as per common law, your Surroundings, Your family income, your responsibility towards your family and so on. Now you have to associate the risks attached to each area summarized. Alongside you, we will also help you identify the risk. Now you will have no. of risk listed it does not mean you have to ensure every risk.

It is a diagnosis. Once risks are identified the possibility of Occurrence and severity have to be ascertained. If the risk can be managed by you comfortably no need for Insurance. If the risk is too huge, it must be quantified, so that it is meaningful if the contingency. Like loss of life, occurs. Here, we will help you understand this process.

This is a scientific process which determines the size of the problem which a family will face should the death or disability occur and cause a stoppage of family income. Once risk analysis is done steps need to be taken to arrange for sufficient provision to tackle the risk. We will guide you to measure the value expose through our Human Life Value evaluation.

This is the process which shows a mirror image of the situation which might materialize if the risk becomes a reality. It calculates the money that will be needed to meet the expenses, month after month, year after year. If there are enough funds available, insurance is not needed. If not, it will suggest, how much insurance is needed to generate the needed money. There are several insurers in the marketplace. So are the sales professionals. And so are the divergent methods to distribute life insurance.

In our case, our team members are trained to carry out the exercise of insurance planning very systematically and scientifically. The goal is to provide financial solutions thru the life insurance policies when the risk comes to life and the need arises. Ideally, a life insurance policy should work as a guarantee for replacing the income which dies on death or disability of the family bread winner. Our sales professionals work towards this goal and suggest ideal plans.

Our sales team members work as professional financial planners and lifetime family friends of customers. They do an analysis of the cost and benefit of the plans and work within the cost parameters to maximize the benefits there within, as far as possible. Operating from the strength of professional competence, ability to earn customer trust and unflinching sincerity they are engaged in social service which is so much needed and so little understood.

As part of the Risk Analysis Process, our key feature would be Insurance Planning.

A Life Insurance policy is a financial plan document. And normally it is a long term affair.

It represents a solution which was considered ideal at the time of taking the policies. However, life situations undergo changes. Risks and responsibilities require a meaningful match with the provisions made years back. It is necessary therefore that a regular process of review of the life insurance portfolio of a family is carried out almost year after year. Our sales professionals are trained in the art and science of period review. It makes the planning process a genuine attempt to provide protection against life’s uncertainties of (i) living too long (ii) not living adequately long (iii) physical accidental disabilities and (iv) sicknesses.