Welcome to Thiink Welcome to Thiink

Edit Profile

Full Name
Mobile No.
Designation
Enter Company Name
Enter City
 

Edit Testimony

Testimony Message:
call us +91 - 9821434512 Mail us reachus@thiink.in
NSE / NMF

Blogs

MUST HAVE INSURANCE

11 08 2015

On a casual Sunday drive, bumped into my schoolmate after 25 years. I guess its always destined to happen when friends depart to find ones own way only to meet again in a most mysterious and yet magical way. Catching up on 25 years of memories wasn’t too easy, that too at the behest of our folks waiting at home. This was one moment in life, I wasn’t going to miss in the world. After all 25 years isn’t a small time being away from my memories, isn’t it?
Conversations flowed in our typical slang, catching up with the news of our friends who’s who list, our conversations went in all the possible tangents. Until we spoke about ourselves. While Deepika is working at a senior position in an Advertisement agency, having handled several prestigious and award winning campaigns for various brands, was to me a bit intimidating till she asked with poise about my profession. Not sounding too much like a sales and marketing guy, simply sounded her of being a financial planner. Suddenly the conversation went into the various campaigns she had headed for few insurance and finance companies and retorted, “I am happy I have taken care of my family, my absence will never be felt, atleast in the financial terms” she said with raised sly eyebrows.
As a planner and acting like an investigating officer, wanted to know more to check on the correctness of the things she had sought solutions from. After all helping a friend isn’t sales any which ways, I told myself.
5 minutes is what I need from you, I told Deepika, watching the next round of filter coffee being plonked on our marble table top. 1 minute for each insurance and she said endowment, money back, child plan, that’s it! But it’s good enough, she said with a grin.
No term life plan? No health insurance? Personal Accident? Vehicle? Home? Bang bang bang, I shot her with bullets which whizzed past her, bringing a sense of dead errie silence between us.
I have my vehicle Insured, Deepika jumped with joy. Thats mandatory I told her, for the sake of not paying hefty fines. That’s 1/5, what next? Covered under group Health insurance? Voila yup so that’s 2/5, which precisely was my point of contention, she had to protect herself and her family from medical cost escalations, isn’t it also a form of wealth preservation plan, I asked? Only Rs 5 lacs for a Director, accounts, this wasn’t acceptable and to top it all, an insurance which would cease to insure her post her leaving the company? Isn’t that unfair for a loyal employee? She kept mum, probably questioning her sensibilities. Isn’t that the norm being followed by most corporates under the pretext of austerity drives and cost cutting, alas, one has to fend for self, I quipped.
And what about your personal accident? I am a very safe driver, she said. Personal Accident policies aren’t for driving safe, wasn’t it meant for protecting our income in case of accidents, I could slip and dislodge my hip on our way out of this place! What if I were bitten by the stray barking everyday near my apartment or by a snake during my green monsoon treks? Did she never know that she could have her salaries paid through PA insurance in case of her long abstainance from work due to accidents?
The scoreline still remained at 1/5.
I was pretty sure she had her home secured, obviously I was positive since we are exposed to so many short circuit fires, burglaries and thefts being on the rise. It sounds so predictive like a soap serial to find these news as headlines. The LED displays and the various swarovski crystals that adorn our places, this one was surely heading towards 2/5, unfortunately it wasn’t to be. I was desperately wanting to get the score up, after all it isn’t a feel good factor to see your friend score so measly.
Sounding confident I knew she would be insured through a term plan, I know for sure staying in one’s own apartment at plush Prabhadevi wouldn’t have come without its share of EMI and loans. I was determined to push up the score. Knowing she would have insured her liabilities (loans) through a term plan. I fell flat on my face when she said the life agent advised her “term plans were kharche waala policies” and hence not recommended.
It’s not easy when one sees your friend score so badly. Here I was bumping into a friend after 25 years and finding out things aren’t as good as it should be, “K.O.ed” yet with a determined face, booked myself a date. A planned date with Deepika, a date to change scoreline 5/5 and an opportunity to change her destiny.
The phone rings sounded louder with each call, reminding us of our family commitments. We had to depart, to meet again. This time it was with loads of memories and a one point agenda, agenda to meet again and do a HIGH FIVE!
See you soon Deepika.

13

11 2016

It’s Childs Play!

Whenever there has been a birth in the family, the talks that did the rounds were around the child’s future. A Child born in a Doctors family is bound to be a Doctor and ...

09

11 2016

Withdrawal of Old Currency notes.

Sharing with you on the backdrop of the decisive move taken to withdraw old currency notes, rather than sounding partisan or biased let me go directly into the specifics. ...

24

09 2016

Moulded Mâché

On a lazy Friday morning, with sleepy eyes and droopy legs barely touching the ground, I trudged towards spotting my app cab. Holding my multifold umbrella and raindrops sp...

27

08 2016

Reality Bites!

EK MACHHAR AADMI KO *#@&! BANA DETA HAI, says a popular bollywood movie dialogue. While it may not be true to its words, there’s much more than what one sees through ...

11

08 2016

Holiday or Hole-in-a-day?

It’s August this month! I overheard my neighbour informing her spouse. More of a taunt tone than mere information, dished out in her typical Southie tone. For a moment...

22

07 2016

InvestmentGO

Walking past the college road, I suddenly stumbled upon youngsters curiously wandering in different directions. Inquisitive to know, I called my son via facetime, who could...

18

10 2015

The way to a man’s heart is through his stomach! Really?

Having told my wife to be left alone was more to rediscover myself than to show my displeasure over trivial nothings. Trudging myself over the stone pavement, looking ba...

25

07 2015

Ignorance is bliss.

If you felt this adage is true in today’s time, THiiNK again. I met Mr Sinha, NRI (name changed) living in a distant suburb of Mumbai about a fortnight back. What I hea...

11

11 2016

Maine aapka “namak” khaaya hai sarkar!

Having being invited for a weekend dinner event is always so much fun. And all the more when it’s at a five star property. All I had to do is to slip into my best attire....

31

10 2016

#ThoughtfulDiwali

It’s festivities everywhere. Bright colours and fervour, with pleasantries exchanging hands and friendly hugs warming up the air. Its the biggest festival, Diwali is ...

05

09 2016

Teachers Teachings!

Turning over the nostalgic leaves, remembering the antics we played during our young days. Flipping over the pages of mimicry and jokes that we so easily passed on our teac...

17

08 2016

PROUDONOVA !

A billion people cheered that night by burning the midnight oil to watch Dipa Karmakar’s routine at the Olympics. She may have missed winning a medal by a whisker, but sh...

06

08 2016

Olympicks

Welcome to the biggest and most extravagant spectacle of today’s world. It’s the OLYMPICS. While most of us would be picking up our favourite sport and rooting for our ...

08

07 2016

This is why " Retirement Planning" is important

One of the eldest surviving Indian in the Guiness book of World Record, Mr. Mahashta Murasi born on 6th January, 1835. Mr. Murasi at his age 180 is retired since the last ...

14

08 2015

Destiny

“Haathon ki lakiron pe mat ja re “Ghalib” naseeb unke bhi hote hai jinke haath nahi hotey” (palm lines aren’t indicative of one’s destiny, coz destiny belongs t...

10

11 2016

Will you marry me?

Gifts in blessings and kind only! Gone are those days where one took pride in not accepting gifts and cash in return during Indian weddings. With the costs spiralling sk...

11

10 2016

Knock Knock, I am your relationship manager.

I was at my bank the other day to update my KYC (Know your customer) documents and share my Aadhaar Card credentials. Little did I know, this outing of simple updating turn...

01

09 2016

Use your Head, wear One!

Vroom vroom vroom. I can still hear the deafening rpm sounds fresh in my ears. It wasn’t that long in time, hearing the sound and suddenly, time stood still and everyone ...

14

08 2016

Indiapendence

It’s all over the place. It’s contagious and it’s harmful. And its increasing its tribe. Don’t have to tax your brains to #THiiNK so much. That dreaded word is “n...

28

07 2016

Searching Eyes!

I became a good boy today. I decided to use public transport instead of my vehicle. With grey overcast conditions, there was a stormy build up to the evening. With the i...

23

06 2016

Who wins following a herd?

"My friend invested and so did I", is the answer that most might give on the investment done. While most do invest trusting the friend's advice, one often doesn't understa...

03

08 2015

MEN ARE BETTER DRIVERS THAN WOMEN

Men are better at driving vehicles than women! What a sexist remark, you may retort. While there will always be exceptions to every rule, its time to decipher it different...