Surely when somebody approached Mr. Dinanath Shinde and Mr. Afzal Maknejia for buying life insurance, they must have said:
a. I do not need life insurance or b. At my level I cannot afford life insurance.
Agents hear this day in and day out. Little did they realize that a drunk Nooriya Haveliwala would spring from somewhere and pluck their lives at Marine Drive. Drunk or not drunk, at 120 km /hr. in a Honda SUV killing is almost inevitable..
As this is a high profile case there is some chance that both these families MAY get some compensation from somewhere (there should be a law that the victim pays 5 times the annual salary of the victim to LIC which converts that into a pension for the families till the victim would have turned 65). However whatever they get will be like a ‘favor’ and not as a RIGHT. However if they had just taken a simple term insurance from LIC, Hdfc, Icici, Kotak, Religare, TATA aig, Birla sunlife, Max new york life, Metlife,….ANYBODY these families would have got compensation as a RIGHT. There is a big difference.
Another unrelated death was that of a priest from a Mumbai temple (Garodia Nagar, Ghatkopar East, Mumbai) in a motorcycle accident about a fortnight back. Died young (32) leaving behind a widow and a small kid. His sisters marriage has been fixed…and of course he was supposed to pay….Now a few senior citizens (sad, but only they go to temples) are collecting money to pay his family something.
Agents, well wishers, friends, relationship managers, clients, readers of this blogs, ….let us all go out and preach about term life insurance. Whether there is death by accident or a heart attack…life goes on for the survivors. Life insurance is about the survivors, not about the dead. Children have to go to school, mothers have to look after children, sisters have to be married off, parents have to be looked after.
So if a temple asks you for a donation, offer to pay for GROUP medical and GROUP term insurance for its priests and other employees – or at least offer to give a one hour talk on the importance of planning. Vidhya dhan is a good dhan after all. And it is free.
My the soul of PSI Shinde and Afzal rest in peace. Hopefully they would have had some life insurance……I sincerely hope.
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