Retirement is not THE END! It's just the beginning!

Yes, Mr Srinivasan from Chennai has started his career in insurance after retirement, that is what his profile states on www.ApnaAdvisor.com. He is a real example of a person who may be in 60's but still young enough to start a new career. At the same time, without doubt he seems to be quite dedicated to his profession. He has been using his knowledge about the equity market to suggest the best fund suitable in ULIP plans to his clients.

Age should never be a factor to judge whether the person will be able to deliver or not. Everything is all about confidence, dedication and will power. One just needs to be motivated enough to try new things. One who tries never fails.

To be frank, when i started this website, i thought this website is going to attract only young people. I was also thinking, as this website is based on a new concept, so experienced people from LIC will hardly accept this website.

But, i can happily say that i was wrong.

Most of the insurance professionals who have registered their profile on this website are having many years of experience. Many are MDRT and there are few COT and TOT also.

It is good to see that experienced and dedicated insurance professionals are joining ApnaAdvisor.

Thanks to all of you who have registered here.

Insurance of Leg!

Michael Ryan Flatley (born 16 July 1958) is an American-Irish step dancer, choreographer, musician and occasional television presenter. He became internationally known for creating Irish dance shows Riverdance, Lord of the Dance, Feet of Flames, and Celtic Tiger.

The dancer also received Guinness Book recognition in both 1999 and 2000 for being the highest paid dancer, earning $1,600,000 per week and for having the highest insurance premium placed on a dancer's legs at $40,000,000.

Chat - useful for 1st time visitor of ApnaAdvisor.com who is selling insurance

Guest has joined.
me: hi
Guest: hello
me: welcome to ApnaAdvisor
any query?
Guest: i'm an insuanc agnt
me: Manish here from www.ApnaAdvisor.com
ok
which city?
Guest: bth lf as ell as general
me: may i know ur name and email id?
ok
Guest: mayank luthra
licofindiaXXX@gmail.com (email changed for the privacy of the owner)
gurgaon
me: So, u r welcome to register your profile here, so that we can generate leads for you
thanks for information
Guest: how much would a lead cost to me?
me: pls go through "why join" section
we don't sell leads
we don't charge for leads
we have developed this site
which acts as a common platform for buyers and sellers
we will display ur profile here
so that buyers who visit this site can give an appointment to you
we only charge for keeping your profile on this site dedicated to insurance sector
which is just Rs 600 /year
Sent at 10:55 AM on Friday
me: any other query?
pls ask
Sent at 10:56 AM on Friday
me: Yes Mayank sir
Guest: thank s for the information
me: thanks
have a nice day
Guest has left.

Term Life Insurance

Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments and/or conditions. If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the most inexpensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis.

Term life insurance is the original form of life insurance and can be contrasted to permanent life insurance such as whole life, universal life and variable universal life, which guarantee coverage at fixed premiums for the lifetime of the covered individual. Many permanent life insurance products also build a predetermined cash value over the life of the contract, available for later withdrawal by the client under specific conditions. However, on most cash value policies like Whole Life insurance, the only way to receive the "savings" is to cash out the policy. The beneficiaries receive the face value of the insurance but NEVER the cash value with Whole Life policies. Financial advisers generally advise buying term life insurance and investing the difference elsewhere.

Titanic - The Financial Loss

SO great was the interest in the tragedy and so profound the grief at the tremendous loss of life that for a time the financial loss was not considered. It was, however, the biggest ever suffered by marine insurance brokers.

The value of the policy covering the vessel against all ordinary risks was $5,000,000, but the whole of this amount was not insured, because British and Continental markets were not big enough to swallow it. The actual amount of insurance was $3,700,000, of which the owners themselves held $750,000.

1st Pet Insurance

The first pet insurance policy was written in 1890 by Claes Virgin. Virgin was the founder of Länsförsäkrings Alliance, at that time he focused on horses and livestock. In 1947 the first pet insurance policy was sold in Britain. As of 2009, Britain has the second-highest level of pet insurance in the world (23%), behind only Sweden.

Pet insurance pays the veterinary costs if one's pet becomes ill or is injured in an accident. Some policies will also pay out when the pet dies, or if it's lost or stolen.

The purpose of pet insurance is to mitigate the risk of incurring significant expense to treat ill or injured pets. As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pets' health care and standard of living than previously, the market for pet insurance has increased.

Life of Insurance Agent will nevere be the same again!

It is quite clear that the way IRDA is daily coming up with new rules and regulations , it is going to have a profound impact on the life of insurance agent in the near future.

First, there was issue regarding high commission paid to insurance agents. Then there was debate related to regulation of ULIP, started by SEBI who wanted some stake in the way ULIPs are sold in the market as the money is invested in the stock market. The outcome is that there will be lesser entry load on ULIPs. So, there will be less commission for agent/advisor.

Before these things were over, now there is a new rule being thought about by IRDA which proposes to cancel the license of Insurance Agents whose average annual persist-ency ratio is less than 50%. This is to reduce mis-selling. It will be interesting, if implemented, as there will be severe reduction in number of licensed insurance agents in the country.

Obviously all these issues are helping the cause of investors.

But, IRDA should also take some steps which work for the benefit of insurance advisors. Insurance Agents/Advisors are the backbone of insurance industry.

Register @ Rs600/year

Anyone who is selling insurance can register his/her profile on www.ApnaAdvisor.com by paying the Registration Charge which in now just Rs 600 for 1 year.

New benefits of getting registered now are

- FREE Leads (there is no charge except Registration Charge)
- Enjoy 50% Discount which is for limited time
- Get a Special Surprise Gift on your birthday
- 100% Money Back Offer (if you don't get 12 leads in first 6 months)

What more do you wish?

So, if you have not registered, Register Now!

Those who have already registered or subscribed will get a unique benefit where they don't need to pay any amount for next 5 years, starting from today.

Out of Hibernation!

Yes! We admit, ApnaAdvisor.com went into hibernation or sleep mode for around 4 months. But, it was not what we wanted. It was forced upon due to uncomfortable circumstances. Any new venture has to go through it. So, we too were not spared.
We thank God as we are back into action and there are various changes going to come. Instead of explaining them, we just want to have an air of curiosity around ApnaAdvisor.com
We will add more value to our service and our style will be fresh.
Some more services will be added and visitors are going to enjoy going through the site.
Just have patience, and we all will reap the reward.