Preparing for the Uncertain with a Term Plan


We live in a world where life is very uncertain; we cannot possibly predict accidents, natural calamities or a sudden deterioration in health leading to death. Therefore concerns about how our family will survive without us rise up.

To ensure that our loved ones do not face hardships in their life without us, we should have a backup plan to ensure that they are financially secure in the future and that they do not have to ask for any help or take out a loan.

We are aware of life insurance and how to get a guaranteed life coverage, but let us explore what an online term plan life insurance has to offer:

  • A better edge in understanding
  • The time to choose the right option
  • The convenience of staying at home
  • Involving family members to make the right decision, because at the end they should also know you care for them

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Recently, a friend, who works in a financial consultancy services told me about a term plan by  Max Life Insurance, now the benefits of Max Life  Online Term Plan are many, the ones mentioned by him are:

  1. You get complete sum of amount during the term of the plan
  2. You get extra protection with Max Life Comprehensive Accident Benefit Rider*
  3. Waiver of all future premium, in case of dismemberment or diagnosis of critical illness or death** of policy holder through Max life waiver of premium plus rider
  4. Quick, easy and user friendly online application process, cutting down on paperwork
  5. Some extra benefits if you have a healthy lifestyle, they have low premium rates for Non Smokers
  6. You can choose between three options based on your family’s situation in life, death benefits can be shared:
  7. As a Lump Sun
  8. A lump sum with monthly payments
  9. A lump sum with increasing monthly payments

*For more details on the rider and the various terms and conditions, please refer to the rider brochure.

** Death only in case when policy holder and life insured are different.

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Sample Illustration of scenario if chosen death benefit options:

Suppose Mr. Gupta, aged 28 years, opts for an 80 Lac for 25 years under Max Life Online Term plan with an annual premium of Rs. 6,500.

Though Mr. Gupta has term insurance of 25 years, by after paying 8 premiums, unfortunately Mr. Gupta dies.

So if Mr. Gupta has chosen the death benefit option, then his nominee will get Rs.80 Lacs upon death and the policy will terminate.

Though I wish that we all live our full and complete lives, but we should also be thoughtful and plan for the unexpected, dealing with uncertainty with an online term plan is always a smarter choice. #MaxLifeTermPlan

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Digital Marketers Award – India by IAMAI and moneycontrol.com


It was a special occasion and why not, the Marketing head of brands were being recognized for their vision and excellence in creating successful campaigns and spearheading the sales of the brand with innovative ideas that truly change market trends and creates a standard for others to reach.

It’s rare that brand marketers are recognized at such a big scale and it was made possible by IAMAI (Internet and Mobile Association of India) in association with moneycontrol.com and IMRB and supported by BLOGMINT.COM (blogging partner) and 24 Frames Digital.

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Ashish Bhasin, chairman and CEO South Asia, Dentsu Aegis Network-One of the the Jury started the Awards night with a recall stating “It was time that digital got a bit confident about itself (during a brief discussion with Mr. Sundar Pachia CEO, Google)”

We as digital marketers’ still have to convince ourselves and others that Digital marketing does work which is a little frustrating at times. We have to build confidence in ourselves and leave out those who still don’t agree that digital works.

Talking about the growth rates in these 3 years for digital marketing considering the data from (CAGR reports) it has taken an upward turn of 35%. A projection that everything will be digital come 2020 and companies (in India) are adapting to this culture that will ensures more efficiency and a better growth opportunity. Taking the speech forward Mr. Asish highlighted the importance of MOBILE marketing which is the next step forward and is yet to be penetrated, agencies and marketers’ are still on the learning curve in this aspect.

Considering all the parameters the JURY had a tough time choosing from the nominees in different categories.

A quite significant point mentioned being in Digital space by Mr. Asish was that we Indian specially do much better work at the backend but are not able package our work well enough, the presentation lacks thou overall it was a great experience judging and knowing the potential of growth seeing their work and entries.

Next on stage was with a brief speech was Mr. Rohit Bansal, Group Head Communication at Network 18, he shared his views on Relience Gio (4g Network) launch and how Reliance Network is offering the value of 4G to the customers by the launch of its new Service which is lined up soon.

This was followed by an amazing stand up gig by Angad Singh Ranya, great sense of humour and timing made things lighten up and the stage was all set to host its 1st Digital Marketers Award by IAMAI.

After the stand up gig, Rubeina Singh, COO at moneycontrol.com gave a brief welcome speech and shared moneycontrol.com association with IAMAI for digital marketing discussions and a recent music ad campaign of moneycontrol.com app, which as mentioned by her was a offbeat route to showcase it to the digital youth.

Jury Members were facilitated by Ms. Rubeina Singh starting from Mr. Asish Basin -chairman and CEO South Asia, Dentsu Aegis Network, Tushar Vyas – Chief Stretegic officer Group M, Mr. Hitesh Oberoi – MD & CEO InfoEdge, Ms. Deepali Naair, Mr. Amardeep Singh– Co-founder and CEO of Interactive Avenues, Mr. Rahul Bhagat -Adviser,Vodafone India, Mr. Aditya Rath – Partner KPMG, Ms. Alpana Parida– President Dyworks, Mr. Santosh Desai – MD & CEO of Futurebrands India Ltd, Mr. Samir Bangara – Co-Founder & Managing Director, Qyuki Digital Media.

The Jury members one by one shared the names of the winners and congratulated the winners for their efforts, sharing the list of winners which are as follows:

Automobile
VIRAT KHULLAR
Renault

Bank / Insurance
KARTHI MARSHAN
Kotak

eCommerce / Online Classified
NAVEEN KUKREJA
PolicyBazaar

FMCG / Consumer Durable
BEDRAJ TRIPATHY
Godrej Interio

Healthcare
AMIT TIWARI
Philips

IT / ITES
APARNA LAL
Microsoft

Mobile Network / Hardware
KARAN SARIN
One Plus

Mutual Fund / Broking
GAURAV SURI
UTI Mutual Fund

Real Estate
REEMA KUNDNANI
Oberoi Realty

Travel / Hospitality
MANMEET VOHRA
Starbucks

Refine to achieve


The world goes round in a circular motion
without any second thought
trusting the gravity
with utmost precision

Likewise, falling apart seems to be easy
but the thing that holds you back
is your destiny !

Destiny plays its part,
to make us understand what we have not achieved
making us refined in every stage
till we are refined to understand its meaning !

If there is a thought which needs refining
we listen our inner soul after consulting !
But when that refined thought needs consulting
that is what i call creating !!

The journey to create something new never ends
it starts when refinements are precised redesigned
to overcome all aspects of doubts
and have a functional excellence like no else !

No distance too far


Whenever I think of technology and mobile technology, it never fails to amaze me that for a period of time and decades there has been such swift advancement.

It’s been a wonder back then when the world knew about the invention of the telephone, people could connect from different parts of the world and talk. After that it was time for pagers, which was quite handy for professional such as doctors, engineers, managers.

Then finally mobile phones arrived. When mobiles were introduced, it took communication to another level and people could take it to places and connect, that was history.

But then more advancement and breakthrough invention came and an era of smart phones surfaced to be discovered. Now people could not only communicate but do multiple tasks and handle their business on the go, which was pretty cool and amazing too.

But then with all those facilities one more added to the innovation that made it easier for people to not only connect but interact with each other, share photos, videos, voice chat and do many things at once, this awesome tool which literally made distance a thing of the past was named “WECHAT”.

I consider myself lucky to be in this era in which communication is under our fingertip and there is a rich history supporting it.

Today I am sharing a post which is in association with indiblogger and support of WECHAT, a contest which  allows me to choose 5 or more people in a WeChat group – asking who would they be, and why? What would i talk about?

There is a saying that:

Nothing makes the earth seem as spacious as to have friends at a distance; they make the latitudes and longitudes
By Henry David Thoreau

If given a chance to speak with a group of people on Wechat, I would like to converse with the following:

American

African

Arab

Chinese

Australian

Discuss on issues from a citizen point of view, the pro’s and con’s of living there, place to travel  in their country, culture, political stability, corruption,  infrastructure, cultural harmony, economy and much more.

Why would I like to add them in the group because it would intersect the information to all the other nations.

However the Chat didn’t started the way it should be, lets check out !!

Me: Hi my foreign natives, I welcome you all to this group.

American: Hi there, thanks for of inviting me..

Arab: Yes, my American brother  .. I am happy to have you in this conversation

Chinese: Hello people, I am humbled that I was invited, I have a business proposal for you all if you would like to know, that is!

African: Well, I don’t have a business plan, I have a “WILL” to give you all, which was left by your ancestors, please let me know who all are interested, I shall explain you  in personal chat.

Australian: Stop it mate, we are here not to discuss all this, we are fedup of corruption and scams, we know all the tricks of trade mate, so cut it.

American: Hey mate, I agree with you… we have our own intelligence agencies covering and busting internet scams ! so please buzz off..

African: My American and Austrian Brother, I was also not kidding, but if you are not interested, its fine.. just don’t create a scene ..

Chinese: Hey guys would like to inform you that I have many different opportunities and businesses .. if anyone interested please let me know ..

Me: I am not..

African: Well, I think we are not here to discuss this..

American: Hey dude, just keep your proposals for those Arabs .. they get fooled into your venture

Arab: If we get fooled in those ventures, we make sure there is no existence after that .. I hope you got it …

American: Hey, you know what? I got scared !! lol

Arab: Voice Chat (Arabic abuse)

Me: cut it guys

Chinese: Yes, be in harmony, we here for opportunities not fight my friends..

Australian: Yes mate, agree with you ..

Me: My friends let discuss on the issue from a citizen point of view, the pro’s and con’s of living in your country, place to travel, culture, political stability, corruption,  infrastructure, cultural harmony, economy and other noticeable issues

The chat continues …….

This was my post on Wechat contest in association with Indiblogger. Thanks for reading..

Blogger Bliss


Before I started blogging, I always thought blogging is for all those  intellectual and information sharing geeks, but after taking up blogging and after lot of thought I realized that it’s not all about the intellectual and pass the information kinds, it’s also about your personal experiences, thoughts, views, society and well being.

The commercial / branding aspect blog:

My TOP 10 take on what a blogger needs:

  1. Readers
  2. Likes
  3. Subscription to his/her blog
  4. Unique Readers from across the world
  5. Links to his/her blog
  6. Comments
  7. Recognition
  8. Page Rank
  9. Alexa Rank
  10. Bookmarks

How does a blogger obtain all the above? It’s a time consuming task indeed! Here is the list:

  1. Blogs on topics which are in trend for readers to indulge…
  2. Involves reader into the article with a touch a panache
  3. Convince the reader indirectly with some juicy internal links
  4. Broaden the topics of post for foreigner to indulge
  5. Sweet links to the home page as blog roll means reciprocate please!
  6. Trying to make the article as user friendly as possible and try to generate a “what is your take” segment indirectly for some comments and thoughts.
  7. Recognition is the fruit of the blog post which deserves an ovation! You can only work on the article rest is up to the readers to judge it!
  8. Page rank – it’s a big deal in the blogging arena, Google always tries to scrutinize the blog in terms of content, links and not to forget hits and accordingly generates a page rank!
  9. More readers means good alexa rank and that can be obtain if you have loads and loads of daily readers and that can be possible if your blog has that sort of information, content which indulges readers to be on the hook all the while.
  10. Bookmarks, sort of recognition for the blog, is also a link bank for blog which can be beneficial for back links and Google rankingJ.

There are a host of information in the net on how to improve ranks and generate traffic to your blog, but I personally feel that taking small steps will go long way.

After I joined INDIBLOGGER I actually feel connected to my readers which was not the case before in my 4 years of blogging. So kudos to INDIBLOGGER for creating a blogger community and uniting all fellow INDIAN blogger at a single platform.