X: Mr. Subra may I take half an hour of your time?
X: Sir I represent life insurance company….and would like to talk about my products. The one perfectly suitable for you is a personal pension plan.
Subra: Why do you think I need a pension plan?
X: Sir when you retire you will need a pension…the ONLY way to get a pension is to buy a pension plan.
S: Ok, tell me the details…
X: Sir you will have to pay a premium of Rs. 100,000 per month for 18 years and you will then get a pension of about Rs. 18,000 p.m. for the rest of your life.
S: This looks very poor, does it not? by the way is it guaranteed?
X: Yes sir, this is a ULIP and the pension is fixed. #
S: Just imagine if i kept Rs. 12L * 18 = 216L Rs. – even assume that it DOUBLEs to say 4 crores…that will be the corpus. If i were to keep it in YOUR OWN BANK I should be able to get Rs. 40 lakhs a year. This is far superior to Rs. 18000 a month – which is less than Rs. 216,000 a year that you are offering.
X: Sir this is the minimum that we will pay as a pension – it could be more. #
S: Oh is it an indexed pension?
X: No sir it DOES not invest in equities *
S: How will the pension increase if it does not invest in equities?
X: Sir the debt investments are likely to go up in value as time goes by….&
S: If I do not buy a pension plan now, can I not buy a plan when I wish to retire? say 10 years from now?
X: No sir it makes sense to grow the plan right from now – as soon as possible. &
S: No….frankly what you are saying makes no sense to me…
X: Sir 5 people in your office have already taken this plan and it is our largest selling plan…..
S: boss mujhe kuch nahi lena hai….bye, thanks.
Lies, lack of knowledge, sales pressure: &, * # ——-lol
Post Footer automatically generated by Add Post Footer Plugin for wordpress.