Hi ,

In Great epic "Mahabharata", there is a story of Yaksha asking 5 questions to Yudhishthira which is quite relevant even today. The first one goes like this

"Kim Aaschariyam" means "What is surprising"

The answer Yudhishthira gave was a classic " Everybody sees people dying regularly around them and yet they live as if death will never visit them. This is the most surprising thing in the world".

Which of course was the right answer and then story follows where in the pandava brothers are revived.

This emphasis the need of Life insurance in "financial planning" and the objective of "financial preparedness"

Beyond doubt, we are always exposed to certain Risks which need to be managed prudently in this rapidly changing environment. Insurance helps an individual to recover the financial loss cause by accidental or fortuitous events. But the necessity of it is realized only after having bitter experience of loss.

Most people consider insurance to be expensive rather than necessity.

So here is an attempt to show the importance of insurance through some of best quotes about life insurance.-

What is Life Insurance.

• Life insurance is just one way to be certain that your life is worth more than your car
• Insurance products are like shocks on your car – they keep the drive smooth even if the road gets rough
• Life insurance is something you have to buy when you can get it and don’t need it
• Life insurance is part of a balanced financial diet, and everyone needs some
• Life insurance can be viewed as a sinking fund – that is guaranteed not to sink
• Life insurance is not an added obligation – it is the best means of meeting the obligations you already have
• Life insurance replaces the cash flow that the bread winner was bringing.

Why you should buy Life insurance.

• You don’t buy life insurance because you are going to die, but because those you love are going to live.
• Go for it. Life is not a dress rehearsal
• The future cannot be predicted. It can be prepared for
• While you live, it’s capital accumulation. When you die, it’s capital conservation
• If a child, a spouse and/or a parent depends on your income, you need life insurance.
• Will you enjoy your retirement or will you retire from enjoyment?
• Death is either a financial blessing or a financial curse. I chose to be a blessing. How about you?
• Take charge of your life, or it will take charge of you

How much of Life insurance should you buy.

• The present value of what you save today, compounded, will determine the quality of your life tomorrow.
• You need to identify your goals before we can plot a course of action.
• Thumb rule says at least 8/10 of gross annual salary Plus long term liabilities like home loan etc.
• Human life value says enough to meet family’s monthly expenses plus immediate needs at unfortunate death of the earning member adjusted for Inflation.
• Buy insurance while you are young to avoid the risk of not qualifying due to health, habits or hobbies.
• What percent of your income would you like to leave for your family?

Who are Life Insurance Advisors?

• We make our mark – not on wood, stone or paper — but on human lives
• We are the only advisors who bring in the funds – funds that will be there when needed most
• We help our clients to design and create their financial home
• Our competition is the possibility of dying too soon, living too long or becoming disabled, and we need to see the clients before the competition does.
• We are valuable. We are the ones who help people make the necessary transitions that will be required to survive and thrive in the 21st Century.
• Sales people solve problems with promises while financial people make sure promises don’t create problems. We are financial people.
• We ensure that everything you care about is adequately protected

TO CONCLUDE.

• Life insurance is a gift of love that protects families against the unexpected.
• Life insurance is pre-paid for future.
• When you lose a breadwinner, you can’t replace the winner but you can replace the bread.

IF YOU FEEL IF THIS MAKES SENSE, CALL US.

"Insurance is the greatest invention by mankind, it makes disasters tolerable" -- Albert Einstein.
"insurance plan dont make us rich. It prevents our family from becoming poor in our absence"