I have done this post many times in the past…here is one more attempt. When you require a PERSONAL FINANCIAL ADVISOR, you are looking for a fee only personal finance advisor. Let us see who are NOT  pfas: 1. Your bank relationship manager: He is a paid employee who has sales target. Remember, I have […]

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This is a zillionth time I am saying this. Let me repeat it. Again and Again. If you have a family dependent on you – parents, wife, children, in-laws, ……..please remember YOU are not invincible. You could die. Sorry I refuse to mince words like a typical life insurance agent. He says ..”in case something […]

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What are the signals of knowing an adviser is good or bad? Sadly even though one can write many points to know who is a good adviser…the need is for spotting the WRONG guy which is more important! If he says the following things, keep your antenna up and please pick up the signals: 1. […]

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Today (Saturday 12 May) 3.30pm and 8pm(repeat telecast) and Sunday 1pm and 9pm in case you decide to watch Cnbc Awaaz…you can see a program called Pehredar…Priyanka Sambhav hosts the show…. today it is a case of ‘mis-selling’ by Met Life Insurance agent. My views…I will do a story a little later on… Post Footer […]

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  You are a common man and wish to buy term insurance. You read subramoney and decided R company’s premium is the lowest and so you decided to buy from company R. Now comes the fun. You meet a person who charges you for advise (so you know you are paying him), but unknown to […]

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The IRDA has come out with a new law which says the life insurance sales guys should ask a lot of questions BEFORE a customer fills up or BUYS a life insurance policy. For some of us in the life insurance business it was quite obvious that these questions should be asked. I must say […]

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When I wrote in 2006 ‘you should take a term life insurance of Rs. 1 crore’ many people wrote to me saying: – he must be a life insurance agent – this is not for the middle class…how can we pay thousands of rupees premium? – if we put all our INVESTMENTS in life insurance, […]

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