Author: N Ashok Kumar

I have been working in the field of finance and life insurance for 38 years. Twenty of those years were in finance and the balance in life insurance. this combination helps me to see through the financial advice offered in various forums and pin point how innocent investors are being taken for a ride in the media, in financial advising and in promoting financial products. The Blog Help India Insure is my contribution to life insurance salespersons to meet the unethical aggression of mutual fund and share agents and advisors.
Finance for Life Insurance · Financial Education for Marketing · Investments · Life insurance

People preferring a particular risk category will not expect the returns of another risk category

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This my fifth article on the nuanced concepts of investment risk for life insurance salespersons. (You can read all my previous articles and more in my Blog www.helpindiainsure.iistpune.in. The articles on investment risks are a available on this page link in the Blog https://www.helpindiainsure.iistpune.in/category/finance-for-life-insurance/). Life insurance salespersons will sell ethically and correctly, if the concepts… Continue reading People preferring a particular risk category will not expect the returns of another risk category

Agency Recruitment

Why Recruitment Activities Must Be Conducted Daily

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This article is part of the Recruitment Ki SHAKTI Series of articles. This is my third article. You will find all articles on agency recruitment in my blog https://www.helpindiainsure.iistpune.in/ There is a prevailing belief and practice amongst many development officers and unit managers that the task of agency recruitment should be undertaken in the months… Continue reading Why Recruitment Activities Must Be Conducted Daily

Finance for Life Insurance · Financial Education for Marketing · Financial planning · Life insurance

People fear risks more than they want high returns

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You may have met customers who want to invest in the higher risk investments, believing they will get higher returns. Whether they actually get it or not is a matter of luck. You may have also met customers who do not want high risk investments and are quite happy with bank deposits and traditional life… Continue reading People fear risks more than they want high returns

Agency Recruitment · Life insurance

Recruitment Ki SHAKTI Series – What are Recruitment Activities?

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In my previous article I mentioned that recruitment is a process (Click on this link for the article https://www.helpindiainsure.iistpune.in/2025/10/23/super-sellers/). Every process consists of stages, with each stage having its own set of activities. In the recruitment of agents, the work of a unit manager/ development officer is to manage the activities. When the activities are… Continue reading Recruitment Ki SHAKTI Series – What are Recruitment Activities?

Finance for Life Insurance · Financial Education for Marketing

Getting high returns year-after-year

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Continuing our articles on investment risks today we turn our attention to the promises made for high returns in mutual fund investments. Much of the argument for investing in mutual funds rests on Getting high returns, and, Getting high returns year-after-year for many years Let us take point (b) today. The momentum effect In the… Continue reading Getting high returns year-after-year

Sales Process

Why Integration of Life Insurance into Portfolio Theory is Problematic

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Introduction In recent times there has been an almost complete unanimity in the popular media (financial newspapers and financial TV channels), that the purchase of a life insurance policy is compatible with financial investment theory. Comparisons are made between the IRR on life insurance products with that of other financial products and we are told… Continue reading Why Integration of Life Insurance into Portfolio Theory is Problematic