About Me

My photo
Trichy, Tamil Nadu, India
Working as an Assistant in LIC of India, Rockfort BO, Trichy, TN. Having a strong belief that LIC's welfare is our welfare and always trying to work towards that. Also functioning as an office bearer of AIIEA Thanjavur Division.

Monday, November 30, 2009

Attractive new presentation for Jeevan Nischay


Dear friends,
It is a new, attractive, different presentation for Jeevan Nischay, created by me. (The earlier presentations were created by some marketing officials.)

I felt that,
It should not be a ppt version of our pamphlet.
I feel that the presentation should speak.
It should prepare the mindset of the customer to buy the policy.
There is no fit for all presentation.
After preparing his/her mindset, you must pose the features relevant to that customer
and finish the sale.
So,
I tried to supply you such a presentation for Jeevan Nischay!

Download it here!

I am awaiting your feedbacks, suggestions, experiences, etc.!
(Write them @ 'What's your opinion? Say here...' link below this post)

Saturday, November 28, 2009

Good Morning 28/11/2009

If
U have started
u can
improve urself
on the way
to
ur target

If
u wait
to improve & start
U can never win

Start now
123 Days 33.69% more

Stock Market

27/11/09
BSE
Sensex -222.92
Midcap -86.27
NSE
Nifty -63.80
Midcap -29.05
These are not direct indicators of NAV
-Arivukkadal

Friday, November 27, 2009

NAV

26/11/09NAV
B 50.72
FU 21.20
J 19.77
MY 11.11
MK 13.95
FO 10.92
P 10.77
H 11.22
MY1 12.95
MK1 12.87
CF 14.02
HP 10.61
JS 10.66
-Arivukkadal

Good Morning 27/11/2009

No one
can
go back
&
change
a bad beginning!

But
anyone
can
start
anything
anytime
&
create
a successful ending!
For it U have
124 Days
33.97%

Thursday, November 26, 2009

Stock Market

26/11/09
BSE
Sensex -344.02
Midcap -94.13
NSE
Nifty -102.60
Midcap -49.05
These are not direct indicators of NAV
-Arivukkadal

NAV

25/11/09NAV
B 50.72
FU 21.44
J 19.99
MY 11.24
MK 14.11
FO 11.04
PR 10.89
H 11.26
MY1 13.04
MK1 13.03
CF 14.13
HP 10.63
JS 10.77
-Arivukkadal

Good Morning 26/11/2009

Success
is
directly proportioanate
to
ur efforts!

To
get
maximum success
put
maximum efforts!

Maximise ur efforts
&
succeed in
124 days(34.24%)

LIC pays Agents; Pvt pay Banks!

In 2008-09, private insurers forked out Rs 205.42 crore as
commission for banassurance, while the payout by LIC for this
distribution model was only Rs 0.12 crore.
The commission payout by private insurers for business written
through bancassurance in 2007-08 was Rs 202.22 crore as against Rs
0.16 crore by LIC. The insurance sector was thrown open for private
participation in 2000.
LIC continues to heavily bet on its individual agents (not corporate
agency) for selling its products. The life insurance major’s
commission payout to individual agents during 2008-09 stood at Rs
10,029 crore, higher than the payout level of Rs 9,552.68 crore in
2007-08, the Lok Sabha was informed.
On the other hand, private insurers’ commission payout to individual
agents declined to Rs 2,649.85 crore in 2008-09 as against Rs
2,725.80 crore in the previous year. Private insurers’ commission
payout for corporate agency was Rs 1,768.64 crore in 2008-09 as
against Rs 1,536.94 crore in the previous year.
LIC’s commission payout under corporate agency stood at Rs 2.86
crore in 2008-09 as against Rs 12.22 crore in previous year.
-Businessline, 25.11.2009


Wednesday, November 25, 2009

Sensex & Nifty MINUS; LIC's NAVs PLUS!

Yesterday
24/11/09
Sensex -49.10
Nifty -13.00
But
NAV of
Fu+
J+
are
GROWN
MY+
FO+
H+
CF
are
STABLE
That is LIC
Convey to everyone!

Stock Market

25/11/09
BSE
Sensex +67.87
Midcap -7.48
NSE
Nifty +17.60
Midcap -9.05
These are not direct indicators of NAV
-Arivukkadal

NAV

24/11/09NAV
B 50.72
FU 21.40
J 19.94
MY 11.22
MK 14.07
FO 11.03
PR 10.86
H 11.25
MY1 13.01
MK1 13.00
CF 14.12
HP 10.61
JS 10.74
-Arivukkadal

Good Morning 25/11/2009

Defeat
is
not bad

Not to have tried
is
true failure!

Real success
is
in trying
to ur best!!

Try,try
until U succeed
126 days(34.52%)more

Tuesday, November 24, 2009

Govt not to discontinue insurance agents commission

24 Nov 2009, 1455 hrs IST, PTI
NEW DELHI: The government is not considering doing away with the commission
for insurance agents, the Rajya Sabha was informed on Tuesday.
Minister of State for Finance Namo Narain Meena said "No" in a written reply to the
Rajya Sabha when asked whether the government is considering any proposal to
discontinue insurance agents' commission.
A government-appointed committee headed by D Swarup had proposed phased
elimination of upfront commission paid to insurance agents by April 2011 in its
discussion paper.
However, the committee has not yet submitted its report to the government.
The country's largest insurer, Life Insurance Corporation, had paid Rs 10,029.72
crore commission to agents in the last fiscal compared to Rs 9,552.68 crore in
2007-08.
In the financial year 2006-07, the agents' commission amounted to Rs 9,153.13
crore by LIC.
On the other hand, private insurers paid Rs 2,649.85 crore commission to agents in
the last fiscal compared to Rs 2,725.80 crore in 2007-08.
In 2006-07, the commission paid to agents stood at Rs 1,848.26 crore.

LIC hikes stake in Bank of Maharashtra to 7.27 pc

LIC has purchased 89,80,398 shares of the state-owned Bank of Maharashtra, representing 2.08 per cent stake,
worth Rs 39.70 crore, Bank of Maharashtra said in a disclosure to the Bombay
Stock Exchange.
LIC held 5.19 per cent stake in the bank initially, now it holds 7.27 per cent stake or
3,13,33,967 shares of Bank of Maharashtra.

Stock Market

24/11/09
BSE
Sensex -49.10
Midcap +14.83
NSE
Nifty -13.00
Midcap +12.20
These are not direct indicators of NAV
-Arivukkadal

NAV

23/11/09NAV
B 50.29
FU 21.35
J 19.93
MY 11.22
MK 14.08
FO 11.03
PR 10.87
H 11.25
MY1 13.02
MK1 13.01
CF 14.12
HP 10.62
JS 10.75
-Arivukkadal

Good Morning 24/11/2009

All
talented people
are not
successful;

Only
who do
a lot of hard work
are
successful.

Wish your success
in rem 127 days(34.79%)
Gud Mrng.

Another presentation for Jeevan Nischay

A new, better presentation for Jeevan Nischay!
Get it here!

Dear Friends,
You can comment about every post.
Your feedback will help me to understand
the difference between
what you need and
what I post.
I will try to match your expectations!
Sincerely
Arivukkadal

Stock Market

23/11/09
BSE
Sensex +158.33
Midcap +20.20
NSE
Nifty +51.10
Midcap +6.25
These are not direct indicators of NAV
-Arivukkadal

Monday, November 23, 2009

NAV

21/11/09NAV
B 50.29
FU 21.24
J 19.84
MY 11.15
MK 14.00
FO 10.98
PR 10.81
H 11.23
MY1 12.97
MK1 12.94
CF 14.08
HP 10.60
JS 10.70
-Arivukkadal

Good Morning 23/11/2009

If
You
bridge

the gap
between

what
You do
&
what
You are capable of doing

You will definitely succeed
in remaining
128 days(35.06%)

Saturday, November 21, 2009

NAV

20/11/09NAV
B 50.29
FU 21.24
J 19.82
MY 11.15
MK 13.99
FO 10.97
PR 10.81
H 11.21
MY1 12.96
MK1 12.94
CF 14.07
HP 10.57
JS 10.70
-Arivukkadal

Good Morning 21/11/2009

Success
&
Excuses
can't stay together

If U find Excuses
Forget Success
&
If U want SUCCESS
never find Excuses!
Gud Mrng
130 Days
35.61% More

Friday, November 20, 2009

Stock Market

20/11/09
BSE
Sensex +236.20
Midcap +69.02
NSE
Nifty +63.45
Midcap +30.05
These are not direct indicators of NAV
-Arivukkadal

NAV

19/11/09NAV
B 50.22
FU 21.04
J 19.64
MY 11.04
MK 13.86
FO 10.87
P 10.71
H 11.17
MY1 12.88
MK1 12.83
CF 13.99
HP 10.53
JS 10.64
-Arivukkadal

Good Mroning 20/11/2009

Efforts
may not
always
bring
success;
But
there is
no success
without
efforts!
Continue
ur efforts till
U reach success!
131days-35.89% more

Stock Market

19/11/09
BSE
Sensex -213.13
Midcap -108.44
NSE
Nifty -65.70
Midcap -52.20
These are not direct indicators of NAV
-Arivukkadal

Thursday, November 19, 2009

Where are WE?

LIC Upto 15/11/09
New Pols 1,77,98,851
(Last yr 1,50,63,286)
Growth 18.16%
New Prem Rs.16,939 Cr
(Last Yr Rs.13,633 Cr)
Growth 25.25%

Sensex is minus; But LIC NAVs are PLUS!

Yesterday
18/11/09
Sensex -51.87
Nifty -7.55
But
NAV of
Fu+
J+
H+
HP+
JS+
are
GROWN
FO+
MK+
MY+
are
STABLE
That is LIC
Convey to everyone!

NAV

18/11/09NAV
B 50.22
FU 21.22
J 19.81
MY 11.14
MK 13.98
FO 10.97
P 10.80
H 11.20
MY1 12.95
MK1 12.95
CF 14.07
HP 10.48
JS 10.72
-Arivukkadal

Good Morning 19/11/2009

U can
complain
as
roses have thorns
or
U can
rejoice
as
thorns have roses
that's
ATTITUDE
Tune ur attitude &
succeed in
rem 132 Days(32.16%)

Stock Market

18/11/09
BSE
Sensex -51.87
Midcap +18.57
NSE
Nifty -7.55
Midcap +6.85
These are not direct indicators of NAV
-Arivukkadal

NAV

17/11/09NAV
B 50..22
FU 21.18
J 19.79
MY 11.14
MK 13.98
FO 10.97
P 10.82
H 11.19
MY1 12.97
MK1 12.96
CF 14.08
HP 10.46
JS 10.70
-Arivukkadal

Wednesday, November 18, 2009

Good Morning 18/11/2009

Difference between
Ordinary & Extraordinary
is
that little "Extra"
Take some EXTRA efforts
than others &
Be a WINNER
in rem 133 days(36.43%)

Tuesday, November 17, 2009

NAV

16/11/09NAV
B 49.60
FU 21.19
J 19.78
MY 11.15
MK 13.99
FO 10.98
PR 10.82
H 11.19
MY1 12.97
MK1 12.96
CF 14.09
HP 10.46
JS 10.69
-Arivukkadal

Stock Market

17/11/09
BSE
Sensex +18.14
Midcap -5.34
NSE
Nifty +4.20
Midcap -0.35
These are not direct indicators of NAV
-Arivukkadal

Good Morning 17/11/2009

Good Morning
134 days(36.71%)more
Real failure
is
when
you don't realise
how close
you were
to success
when
you
gave up!
NEVER
EVER
GIVE UP!

Monday, November 16, 2009

Stock Market

16/11/09
BSE
Sensex +183.68
Midcap +73.15
NSE
Nifty +59.10
Midcap +25.50
These are not direct indicators of NAV
-Arivukkadal

NAV

14/11/09NAV
B 49.60
FU 21.06
J 19.64
MY 11.06
MK 13.88
FO 10.89
PR 10.73
H 11.15
MY1 12.90
MK1 12.85
CF 14.02
HP 10.43
JS 10.58
-Arivukkadal

Good Morning 16/11/2009

If
we try,
we may not
always win;
But
if
we don't try,
we will
surely lose!
So
try
again & again
in these
135 days(36.98%)
Surely U will win!

Saturday, November 14, 2009

NAV

13/11/09NAV
B 49.60
FU 21.05
J 19.63
MY 11.06
MK 13.88
FO 10.89
P 10.73
H 11.14
MY1 12.90
MK1 12.85
CF 14.02
HP 10.43
JS 10.58
-Arivukkadal

Good Morning 14/11/2009

Only those
who
dare
to fail greatly
can
ever
achieve greatly!

137 Days(37.53%) more!
Good Morning!

Friday, November 13, 2009

Stock Market

13/11/09
BSE
Sensex +152.80
Midcap +1.52
NSE
Nifty +46.30
Midcap +9.90
These are not direct indicators of NAV
-Arivukkadal

Toppers @ 31/10/2009

31/10Top
Ag
Chetankumar,M3-17623 Pols
Anshuman,Smblpr-23.99Cr
BO
Hajipur,Muzaffarpur 34810 Pols
Janpat,Delhi1-41.07Cr
Y cant
U?
V?
us?

NAV

12/11/09NAV
B 49.04
FU 20.94
J 19.54
MY 11.01
MK 13.82
FO 10.85
P 10.68
H 11.12
MY1 12.86
MK1 12.80
CF 13.98
HP 10.42
JS 10.54
-Arivukkadal

Good Morning 13/11/2009

U
can't change
the direction
of the wind!
But
U
can adjust
ur sails
to reach
ur destination!

Change & succeed
in remaining
138 Days(37.80%)

Stock Market

12/11/09
BSE
Sensex -153.57
Midcap -60.48
NSE
Nifty -51.30
Midcap -36.40
These are not direct indicators of NAV
-Arivukkadal

Thursday, November 12, 2009

NAV

11/11/09NAV
B 49.04
FU 21.05
J 19.65
MY 11.09
MK 13.90
FO 10.93
P 10.76
H 11.15
MY1 12.93
MK1 12.91
CF 14.06
HP 10.43
JS 10.61
-Arivukkadal

LIC picks 0.67% stake in Ruchi Soya

Shares of Ruchi Soya Industries gained on Wednesday(11.11.2009)
after Life Insurance Corporation acquired 0.67% stake
in the company on Tuesday for Rs.112.16 million.
It bought 1.46 million shares of the company
at Rs 77 a share at the National Stock
Exchange (NSE).

Good Morning 12/11/2009

So many
of our dreams
at first
seem impossible
then
they seem improbable
& then
when
we summon
the will
they soon become inevitable!

Summon your WILL
make your target
which seemed
impossible & then
improbable
into
inevitable
in the remaining
139 Days(38.08%)
Good Morning!

Wednesday, November 11, 2009

NAV of LIC is Growing even when stock market is not!

The Stock Market is very volatile and people are often asking us about the growth of the money in LIC policies. We should remember that whenever a crash of stock market occurs, it is LIC that supports. Hence LIC buys shares mostly for throwaway price and LIC never sell shares in urgency!
So, obviously, our NAVs must be stronger than others! See the table:



We must always feel happy whenever stock market goes down as it brings opportunity for LIC to get more for lowest prices and ultimately our NAVs grow faster when market recovers!

So have it in mind
Remit all your ULIP premiums - New or Old - during stock market falls!
Submit all your withdrawals (surrenders) during stock market rises!!
Even though you couldn't explain it to your customer, practice it without telling him,
it will give more returns!

In the table, of the three plans compared, Bond, Secured and Balanced Funds of Profit Plus Grown more than others!!!

Now,
Why shouldn't we try to qualify in the Profit Plus policies competition?
(40 policies during 1/4/09 to 30/11/09 of which 15 during 1/10/09 to 30/11/09 Rs.2000 Cash Award
Rs.450 for every additional 3 policies above the said level, during 1/10/09 to 30/10/09, Max-15)

Stock Market

11/11/09
BSE
Sensex +409.04
Midcap +127.67
NSE
Nifty +122.25
Midcap +69.70
These are not direct indicators of NAV
-Arivukkadal

NAV

10/11/09NAV
B 49.04
FU 20.74
J 19.39
MY 10.93
MK 13.69
FO 10.78
P 10.61
H 11.08
MY1 12.81
MK1 12.72
CF 13.94
HP 10.39
JS 10.44
-Arivukkadal

Good Morning 11/11/2009

The
only
honest
measure
of your success
is
what
you are doing
compared
to
your
true potential!
Verify
Rectify &
succeed
in
140 days(38.35%)!

Tuesday, November 10, 2009

Stock Markets

10/11/09
BSE
Sensex -58.16
Midcap -27.42
NSE
Nifty -16.705
Midcap -12.00
These are not direct indicators of NAV
-Arivukkadal

LIC ULIPs Growth Fund

09/11/09NAV
B 48.28
FU 20.76
J 19.43
MY 10.95
MK 13.72
FO 10.79
P 10.63
H 11.09
MY1 12.83
MK1 12.72
CF 13.95
HP 10.39
JS 10.48
-Arivukkadal

Good Morning 10/11/2009

Good Morning

141 Days(38.63%) more

Always try to be a first place Winner
Because the second place winner
is the FIRST LOSER!

Aim, & work!

Stock Markets

09/11/09
BSE
Sensex +340.44
Midcap +123.00
NSE
Nifty +102.25
Midcap +58.70
These are not direct indicators of NAV
-Arivukkadal

LIC ULIPs Growth Fund

07/11/09NAV
B 48.28
FU 20.54
J 19.19
MY 10.79
MK 13.53
FO 10.63
P 10.48
H 11.02
MY1 12.70
MK1 12.53
CF 14.09
HP 10.36
JS 10.36
-Arivukkadal

Saturday, November 7, 2009

LIC ULIPs Growth Fund

06/11/09NAV
B 48.28
FU 20.53
J 19.18
MY 10.81
MK 13.54
FO 10.63
P 10.50
H 11.02
MY1 12.69
MK1 12.55
CF 14.09
HP 10.35
JS 10.36
-Arivukkadal

Good Morning 07/11/2009

Good Morning
144 days(39.45%)more
What U are &
Where U are
because of ur
efforts!
Not because of
what U are having!
U only can change it!

Friday, November 6, 2009

Stock Market

06/11/09
BSE
Sensex +94.38
Midcap +138.92
NSE
Nifty +30.60
Midcap +42.20
These are not direct indicators of NAV
-Arivukkadal

LIC ULIPs Growth Fund

05/11/09NAV
B 46.23
FU 20.44
J 19.08
MY 10.72
MK 13.46
FO 10.54
P 10.40
H 10.96
MY1 12.65
MK1 12.42
CF 13.75
HP 10.33
JS 10.27
-Arivukkadal

Good Morning 06/11/2009

Good Morning
145 Days(39.72%)more
Winners are not
those
who never had failures
But
Those
who had failures
again and again
but
never give up

Thursday, November 5, 2009

Stock Market

05/11/09
BSE
Sensex +151.77
Midcap +121.04
NSE
Nifty +54.75
Midcap +50.10
These are not direct indicators of NAV
-Arivukkadal

LIC ULIPs Growth Fund

04/11/09NAV
B 46.23
FU 20.30
J 18.93
MY 10.62
MK 13.33
FO 10.45
P 10.30
H 10.90
MY1 12.55
MK1 12.30
CF 13.66
HP 10.31
JS 10.15
-Arivukkadal

Good Morning 05/11/2009

Good Morning
Replace
can't with can
won't with will
and
if with when
You can do wonders in the
remaining 146days(40.00%)
My best wishes!

Stock Market

04/11/09
BSE
Sensex +507.19
Midcap +204.91
NSE
Nifty +146.90
Midcap +79.15
These are not direct indicators of NAV
-Arivukkadal

Wednesday, November 4, 2009

DINNER WITH CHARIMAN

Chairman Shri T.S. Vijayan
will be addressing
the High Performing CLIAs
over dinner
at Mumbai
in December, 2009.

CLIAs who have a minimum of
5 Supervised Agents
as on 30.11.2009
and
who bring in an FPI of atleast
Rs.30 lakhs or 250 policies during November, 2009
will qualify for the said meeting.
The CLIAs who cross
One crore FPI or 1000 Policies by 30.11.2009
will be specially honoured.

LIC till 31/10/2009

Number of Ploicies
Current Year 1,67,93,672
Last Year 1,40,70,092
Growth 19.36%

First Premium Income
Current Year Rs. 15,809 Crores
Last Year Rs.12,764 Crores
Growth 23.86%

Business During October 2009
Number of Policies 27,28,994
First Premium Income Rs.3,070 Crores

By 30.11.2009 we can easily cross
2 Crore Policies
and
Rs.20,000 Crore FPI
provided
we do our share!
It is in our hands!
Can’t we do it?

LIC ULIPs Growth Fund

03/11/09NAV
B 46.23
FU 19.92
J 18.61
MY 10.44
MK 13.09
FO 10.27
P 10.14
H 10.83
MY1 12.41
MK1 12.08
CF 13.52
HP 10.05
JS 09.99
-Arivukkadal

Tuesday, November 3, 2009

Stock Market

03/11/09
BSE
Sensex -491.34
Midcap -224.81
NSE
Nifty -147.80
Midcap -79.90
These are not direct indicators of NAV
-Arivukkadal

Normally people get frightened to ULIPs
whenever stock market slides
Utilise it!
Concentrate on Nischay!
Find an opportunity in every hurdle!

iPhone or 16 Gm Gold

South Zone again offers iPhone
or 16 gm GOLD

Already iPhone was offered to Agents completing a portion of Chalo Jaipur qualifying condition, i.e. Rs.10 Lacs qualifying FPI before 31.10.2009. (Qualifying FPI : Single Premiun 10%, Non-Single 100%)

Now another offer is given!
Period : 1/11/2009 to 15/11/2009

Offer I : Late Bloomers
For Agents missed the iPhone
Conditions are same as for last month’s early bird (Rs.10 Lacs eligible FPI)
to be done between 1/11/2009 and 15/11/2009.

Offer II : For Agents qualified for early bird and got iPhone
80% of the earlier competition (Rs.8 Lacs eligible FPI)
to be done between 1/11/2009 and 15/11/2009.

Hurry!
Opportunities are bright!
Utilise them now!
Do more! Get more and more!!

Good Morning 03/11/2009

Good Morning
148 Days(40.54%)more
Opportunities are like sunrises
If you wait too long
you will miss them
Start early to catch opportunities

LIC raises stake in Tata Tea to 16%

The Life Insurance Corporation of India has raised its stake in Tata Tea to 16.03 per cent after buying shares worth Rs 113.10 crore through open market transactions.

The LIC has bought 12,95,212 shares, representing a 2.09 per cent stake in Tata Tea.

Prior to the purchase, the LIC held 13.93 per cent in the Tata firm.

Monday, November 2, 2009

LIC ULIPs Growth Fund

31/10/09NAV
B 47.26
FU 20.40
J 18.87
MY 10.63
MK 13.34
FO 10.45
P 10.32
H 10.91
MY1 12.56
MK1 12.33
CF 13.70
HP 10.31
JS 10.18
-Arivukkadal

Good Morning 02/11/2009

Good Morning
149 Days (40.82%)more

Effective people are not problem minded!
They are opportunity minded!

Nischay is a great opportunity!

Last yr we felt
If min prem for Astha is 10K?
If Astha available till March?
Now
Min prem for Nischay is 10K!
Nischay available till March!

What for should we wait more?
Dont wait till March!
Start now!
Exploit all opportunities!
Otherwise someone else
will take it before you!

Sunday, November 1, 2009

Spreadsheet(excel) Calculator for Jeevan Nischay

This is an Excel calculator to calculate the maturity value in Jeevan Nischay.
All you need to key in are the Date of Birth and Amount of Premium being paid only.
The file generates maturity Sum Assured, increased Maturity Sum Assured and the resulting yield (excluding loyalty addition)!
You can give the policyholder a colourful quotation with his name!

Download now
Jeevan Nischay Calculator


With best wishes to surpass all your past records,
Arivukkadal

Percentage of Death Claims Paid, Repudiated and Pending 2007-08




2008-09 figures are yet to be releases by IRDA.

LIC ULIPs Growth Fund

30/10/09NAV
B 47.26
FU 20.40
J 18.88
MY 10.64
MK 13.34
FO 10.45
P 10.32
H 10.91
MY1 12.57
MK1 12.33
CF 13.70
HP 10.31
JS 10.18
-Arivukkadal