The Bharat Bond ETF has been oversubscribed. Many of the analysts would have investors believe that the Bharat Bond is perfectly safe and can be sold as an alternative to fixed deposits of banks. In terms of investment risks they are both fundamentally different. Read more to know why
When one does a course in Marketing Management at a management institute, one of the things students are thought is product positioning. Product positioning is knowing where your category of product stands amongst all other competing products. It also gives an idea of the market segment where one should market one’s products and the strengths… Continue reading Explained: The Market for Traditional Endowment and ULIPs
The world is going digital. Are you? We are used to the old methods of prospecting, which have their strengths. After all, the older methods brought you to where you are – a successful life insurance agent. But the business environment is changing. Just as many things are changing very fast in the world around… Continue reading Digital Prospecting
In a sales interview, the interview goes through a process and in life insurance selling, the process is usually stretched over to more than one meeting. The stages in an interview can be classified as Stages in a Sales Interview The hand-shake Building professional trust Building emotional trust Conduct of a needs analysis Financial Planning… Continue reading Basics of Objection Handling – 5
We have so far read 2 articles on the Basics of Objection Handling – Basics of Objection Handling – 1 and Basics of Objection Handling – 2. We are approaching the subject of Objection Handling by first constructing the conceptual framework. The conceptual framework will give us the answers to all the objections we face.… Continue reading Basics of Objection Handling – 3
In my previous article I had mentioned the basic reasons why customers raise objections (https://www.helpindiainsure.iistpune.in/2019/04/24/basics-of-objection-handling-1/ ). In this article we will study some more basics. The reason we are going through the basics is that it gives a framework in which we approach the subject of objection handling. It is like first trying to learn… Continue reading Basics of Objection Handling – 2
The Fact – Indians prefer low risk investments Savings data compiled by Central Statistical Office (CSO), Government of India, and published by the Reserve Bank of India in its Handbook of Statistics, shows that without exception since the time they started publishing the data from 1970 till date (48 years, now), Indians have always put… Continue reading This is a FACT not an Opinion
One of the most repeated lines in the media is that traditional life insurance endowment is low return and that if one wants life insurance it is better to buy term insurance and with the balance of money (saved by not buying traditional insurance) buy mutual funds. This is one of the most unscientific statements… Continue reading Term Insurance and Mutual Fund Combo
Earlier I had written that debt funds are not as safe as they are made to seem by those selling mutual funds. Read the article https://www.helpindiainsure.iistpune.in/2017/09/28/look-where-debt-fund-money-is-invested-by-mutual-funds-and-they-say-debt-funds-are-not-risky/. Many of my mutual fund friends got in touch with me to tell me I am wrong. They insisted that debt funds are safe. Why then are debt funds showing… Continue reading The Proof is Here on Debt Funds
Recently there was an article in the newspaper titled Mixing Life Insurance with Investment is a Common Mistake. It was published in a column titled “OOPS! Mistakes Investors Make” in Business Standard 2 August 2018. the article written by Kayezad Adajana explains the view point of Maher Dhamodiwala, who we are told is the founder… Continue reading No Fraud Here
