Insurance & Investment Advisor

Insurance & Investment Advisor Consult us as financial advisor before you make a choice for Life Insurance . Take an informed decision, especially when this revolves around your life.

31/12/2017

साल के आखिर में चंद लाइने पुरे ग्रुप के लिए…..

जिंदगी से हर पल, एक मौज़ मिली,
कभी कभी नहीं, हर रोज मिली,

एक अच्छा दोस्त मांगा था,
जिन्दगी से,
पर मुझे तो यहाँ, पूरी विद्वानों की फौज मिली,

हमारा ग्रुप कोई वाशिंग पाउडर नहीं है, जो,
पहले इस्तेमाल करें, फिर विश्वास करे,

हमारा ग्रुप तो जीवन बीमा है,

"जिंदगी के साथ भी, जिंदगी के बाद भी"

मुझे नही पता, कि, मैं एक बेहतरीन ग्रुप मेंबर हूँ, या नही,
लेकिन मैं जिस ग्रुप में हूँ, उसके सारे मेंबर बहुत बेहतरीन हैं।

22/11/2017

Kotak Life Insurance
Product Presentation - AV's

22/11/2017

Product Presentation
AV's - Kotak Life Insurance

21/11/2017

Six Months
JATIN VISHWANATH PATIL·TUESDAY, NOVEMBER 21, 2017

As somebody who’s spent a great deal of time being unemployed, underemployed, or an aimless student, I have felt the pangs of boredom and feeling like I’m spinning my tires in the mud and doing nothing with my life. And of course, with every aimless day running into each other, it’s incredible how fast the days turn into weeks which turn into months and eventually, years.
I’ve seen people accept it and just do nothing, and time gets away from you. You can spend your entire life saying that “Oh it’s too hard, I’m not going to do it,” or, “I’ll start tomorrow.”
After all, people want to see instantaneous results, which aren’t going to happen.
But the good news is, six months is enough to turn an incredible amount of stuff in your life around for the better if you want to. And if you’ve ever been unemployed or had a lot of spare, aimless time, you know how quickly six months can feel so why not make something out of it?
This year, I spoke to an ex collegue who gave the IRDA exam and got his Insurance Advisor license . I thought I should follow suit . I asked him, hoping that he would say something to affirm my feelings, something like, “yeah man that sucks you should totally quit”. But instead he said something like, “Well either you can sulk about it or you can get it done.”
I took the exam and within no time I was a Life Insurance Advisor and a health Planner with two renowned companies and ready to start a zero investment business for my self.
This isn’t just about work experience, though. You’re fat and want to lose weight? Lots of people don’t see results right away so they give up. Think about if you keep on and getting better, eating better, exercising more, cutting out more junk, how much you’ll progress in six months. I’m just over two weeks into cutting out junk, exercising vigorously, and not drinking. I have lost ten pounds and feel incredible. But it’s just the beginning.
Want to quit smoking? Imagine if you start today, how much healthier you will be in six months.
Bottom line is this – no it won’t be overnight. No, it won’t be easy. But six months isn’t THAT long. But it’s long enough to make some incredible changes to your health, to your work experience, to your life in a positive, meaningful way. You can change SO much.

20/11/2017

Some very important financial tips that everyone should know ....

1. Avoid buying property on loans as it eats most of your earnings unless you have a clear plan for its repayment. It's important to monitor cash flow. Though, the house will be your asset, your liability will be much more.

2. Start a SIP at a very young age. Try to save atleast 15–25 % of your earnings.

3. Avoid buying a car unless you use it everyday.
4. Do not let this sentence scare you. “ULIP investment are subject to market risk. Please read the offer documents carefully before investing”. Most people avoid investing in ULIP funds just because of this one warning. Yes, there is a market risk, but look at the history and growth.

5. Try having a simple wedding.

6. Atleast 20% of your wealth should be liquid so you can utilize it when necessary.

7. Considering inflation, you are actually losing money if it is in savings bank account. Do not keep huge money in savings bank account.

8. If you invest in stocks, pay due attention.

9. If you invest in stocks have a separate account for delivery investment and Intraday investment. It is easy to monitor this way and also makes tax calculation easy

10. Do not have a belief that property and car make you rich. Its what you save and invest, that is important.

11.Invest in insurance for returns. Insurance is not an just death option.

12. Never use credit cards for lavish spending. Use credit cards intelligently and for needs not for wants.

13. Cancel all credit cards before you die. Or inform family about all your accounts, credit cards, loans and saving now itself. Even a small residue will cost your family much.

14. Invest on yourself and then on other investments.

15. Always try to balance your earnings with your savings first, then on spending and loans. Never take unnecessary loans. Always have reserve and utilise them and unless no other go never take loan.

16. Always have a plan for future events on your career, life, spending and finance.

17. Always have a reserve on your savings for contingency and urgent situations.

18. Your personal life and health are the most important investment. Do have a regular health check and do healthy workout every day. Stay healthy and live happily.

17/11/2017

▶Why health insurance is very important for every one even if they are financially strong??

Ans:

☑People are saving money for their future goal

☑Savings do not happen in a day or in a month . It takes many years.

☑Life is very uncertain and disease are the part of that uncertainty.

☑When disease/ hospitalization comes it spoils all Future planning because it costs high especially critical illness.

☑Cancer: 5lac and more
✅Heart ailment : 3 to 8 lac or more
☑Kidney issues: 5 lac to 15lac or more
✅Liver failure: 5lac to 15lac or more

These diseases are dangerously on the increase in India.

☑Most Middle Class People are not that much financially strong to spend 5 to 15lacs easily.

☑ Mostly during illness people are forced to sell their assets like property , Gold and other valuables

☑People borrow money from others (sometimes) lose their self respect and come under debts.

☑Health insurance helps to save hard earned money with reasonable premium.

☑Buy health insurance... Stay confident. Health insurance will protect your wealth..
🙂🙂🙂🙂
Religare health insurance partner -

10/11/2017

"INSURANCE in INDIA "

Dear Friends,

Read the message, understand the value of insurance , enlighten yourself and enlighten others.

1. We buy gold for our children's education and marriage, but we don't buy a child plan.

2. We get fear on seeing an insurance agent, rather than getting a feeling of protection.

3. Only "20 crore" Indians have got insurance policy out of "130 crores" population.

4. We buy a screen guard to protect our mobile worth 10k, but we don't insure our life which is worth more than 10 Crores.

5. We get our daughter married to an unknown person. But we think a lot when a known person advices us about taking an insurance policy.

6. We fight among ourselves on Bhagavath Githa and Khuran, but we don't realise death is "FATE"

7. We place our chappal very carefully in a stand paying Rs.5/-. But we don't feel like paying Rs. 50/- a day to insure our life.

8. We believe Babas who do "magic" but we don't believe insurance agent who guides us with "Logic".

9. We envy Govt employees for their pension facility. But we don't like saving some amount every month in a Pension policy and get pension for life time.

10. As per world census, more than 10k people everyday , do not wake up from sleep on their alarm set previous night.
Please remember only " FIRE ENGINE" comes with alarm, but "DEATH ENGINE" does not ...

11. We buy invertor to have light in our home during power off.
But you are the light to your family. Insurance policy is the invertor for your family to have light even when you are not there.

12. When we die, it's LAST PAY only for us. But for family, it's just another day. They continue to live next day too.. Protect THEIR life with insuring YOUR life.

13. You know the balance in your mobile card, you know the balance in your Debit card .... Do you know ... what is the balace in your life card?

RECHARGE" your life card with LIFE insurance..,,,

Religare Health Insurance Company Limited is a standalone health insurance provider which comprise three entities: Relig...
07/11/2017

Religare Health Insurance Company Limited is a standalone health insurance provider which comprise three entities: Religare Enterprises Limited, a leading diversified financial services group based out of India, Union Bank of India & Corporation Bank. Religare Health Insurance offers health insurance and other products.

Health insurance has become a necessity with the rising costs of healthcare services and lifestyle diseases. Religare Health Insurance Company Limited, considered to be one of the top health insurance providers in India provides a wide range of health insurance products. From healthcare delivery to preventive health solutions, the insurer has a unique business presence in the health insurance market due to its robust distribution channels. Religare Enterprises Ltd, Union Bank of India, and Corporation Bank are the shareholders of Religare Health Insurance Company Limited.

20/10/2017

I wish..

Number of times you and your family brush a year, equally you have *Colgate* in your Demat.

Day cares from *HUL* would give you freshly bath.

*Tata Global* would please your daily morning.

A *Titan* on your wrist should tell your time as well.

Peter Van or Louis would suit on you like *ABFRL* in your Demat.

*Bata* would shine on your feet.

Your *Maruti* or *Tata Motors*'s Jaguar would be ahead of times.

*BPCL* and *HPCL* will support your empty tank.

You enjoy your lunch at BBQ nation by *Sayaji Hotels*

Nescafe of *Nestle* will cherish your afternoon.

Your festive bonus would come into your *Kotak Bank* A/c and you should plan your holidays with *THOMAS COOK*.

Your wife would eager to enjoy your bonus with shopping at *Dmart* or Westside of *Trent* or that of *TBZ*.

Enjoy your drink of *Mcdowell-n* before *Daawat* on your dining.

No tensions you would face about hospitalization as you have sufficiently insured through *KOTAK LIFE* .

Regular medicines from *Sunpharma* or *Lupin* should protect your family from viral infections.

Sleep well in *Voltas*
A.C. under a strong roof built with *AMBUJACEM* by *KOLTEPATIL*.

All these blessings should come soon over you from the Almighty.

17/10/2017

On this Diwali, some tips for wealth creation. Me and my family wish You A Very Happy Diwali and loads of wealth in the coming days:

Thumb Rules of Financial planning.

1. 30 % of your income must be used for monthly living expenses.

2. 30% of your income must be used for Liabilities repayments, if any..

3. 30% of your income must be SAVED and INVESTED for your future LIVING.

4. 10% of your income must be spared for entertainments, vacations

5. 6 months expenses must be available for emergency fund (should be invested in LIQUID FUND, FD Etc)

6. Home loan must be registered and apply on both husband and wife name. (Both can get benefits on Home loan Tax benefits)

7. Buying second house for investment is not advisable ( Survey reports - it will fetch you only around 3% return)

8. After 45 years of age, not supposed to enter into any BIG LIABILITIES (Higher education of children and wedding of children will happen around 45 to 50 only, so plan now for the same.)

9. Have joint account @ Bank savings account.

10. Property must be registered on both Husband and wife name. (As per legal act – after husband first legal heir is wife, after wife it will go to children only)

11. Regular check on Nominations at all financial instruments. if not nominated, do it now..

12. Only in insurance policy, Claims payable to Nominee. In other financial instruments legal heirs certificate is must to get back the settlement

13. Must have Term Insurance to financially secure future of your dependants..

14. Don’t take any financial investment decisions EMOTIONALLY, and also Avoid last minute tax saving investment decisions, plan well in advance..

15. MEDICLAIM is must (in spite of Group mediclaim coverage given at office) (After retirement there is no mediclaim coverage, after 50-55 years of age, it's very tough and costly to enter into mediclaim)

16. For your jewelry LOCKER, Only one lakh is payable by bank, if theft or fire happen at bank. Provided insurance done.

17. Like same way Government guaranteed only one lakh for your FD also. (Fixed deposits with Banks upto Rs. 1 lakh only are backed by deposit insurance)

18. Must know all Tax implications. You cannot avoid paying tax. But you can minimize by way of tax planning and investments..

19. All financial documents must be kept safely and keep family members informed of the same..

20. Financial investments must be followed through personal financial advisor..

21. Review your portfolio at every six month..

These are general suggestions,

Personal Finance and investment decisions depends upon case to case.

Have A Health, Wealth and fun filled Diwali!!

13/10/2017

LIFE POLICY

Dear policyholder,

I am your Life Policy.

You and I have similar Ideals and purposes in this world.

Right now, you are doing your job......providing food, clothing and shelter for your loved ones. More than these, you are also providing for their education, health and welfare. You do all these-and more-while I sleep in your strong box, conserving my strength and gaining in value year by year.

I have faith and confidence in you. It is out of your earning, I may appear worthless to you-like a trifling lifeboat in a pleasure cruise. But some day, (and who knows when) you and
I may have to change places.

When you are laid to rest, I will awaken with a leap and a bound... to continue and complete the work you had begun. I will provide for the food, clothing and shelter that your loved ones will continue to need. I will provide for the education that you would have wished to complete for your loved ones. The health and welfare that you are providing for your wife even now will not stop abruptly when she needs it the most. When your work and toil are done, mine will just begin to sprout. Through me your hands will carry on; and through me, your love will endure.

Whenever you feel that the price you are paying for my upkeep is burdensome, just remember that I will do more for you and your family than you can ever do for me.

If you do your part, I will do mine.......

Yours very sincerely,

Life Policy

(from the book "Power Closing" - Life Insurance Selling by Asia's Top Life Insurance Agent Dr. Rizal Naidu Abdullah, Phd, PJK)

Address

Navi Mumbai
410206

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+919167259910

Website

Alerts

Be the first to know and let us send you an email when Insurance & Investment Advisor posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Insurance & Investment Advisor:

Shortcuts

Share

Category