Life insurance to the educated and the upper class should mean only term insurance. However term insurance does not make enough money for companies which are used to a PE of 30 and a growth of 30% quarter on quarter..for 30 years.
So what to do? create more remunerative products and a fantastic suited booted scented sales force to sell it.
However they cannot get good numbers…so what?
Create boiler room sales men who will go and get you your sales. Daily. 10,000 of them in 30 cities. Then 500 cities and towns.
Bingo! You are ready for an IPO.
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