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While most financial experts consider term plans to be the most important of all life insurance plans, the insurance agents are not very keen to  o-ring Suppliers even talk about it. The agents may have sufficient knowledge of sales and marketing, but the knowledge of different insurance products remains inadequate. A large number of people in India do not want an insurance plan that offers no maturity benefits. So, it is always better to think twice before trusting someone with your wealth and rely only on agents that are interested in creating money and safety for you, then themselves!— by Santosh Agarwal, Head of Life Insurance, PolicyBazaar. Once an agent tells them that there are no returns in a term plan, they stop showing interest in buying the plan. Such expensive insurance products earn them higher commissions. Hence, the insurance agents are not keen to sell term plans as they cannot make good money out of it.Now, you must be thinking, if term insurance plan is so important, why do the insurance agents do not want to suggest them to you? Here are a few reasons why they do not sell term plans. They have this perception that they will have to die to get the benefits of a term plan and this is the reason why most of them are unwilling to buy it. But in most cases, what the agents do is suggest a plan that they consider is “the best in the market”.

While most financial experts consider term plans to be the most important of all life insurance plans, the insurance agents are not very keen to even talk about it. This is simply because term plans offer only death benefits. The agents themselves hardly make any effort to learn about different insurance products. If you find that your agent is avoiding talking about that plan and is hard selling certain life insurance plans that are above your financial capacity and doesn’t provide adequate future safety, you should move away from them. Unfortunately, the customers believe them blindly and end up buying a very expensive plan only to regret it later.

As it is quite difficult to make them understand the benefits of buying a term plan, the agents do not take great pains to do something that does not fetch them much profit. What they do is focus mainly on investment plans the premiums of which are expensive. Published: Nov 18, 2016, 11:03 am IST Updated: Oct 27, 2018, 10:01 am IST Unfortunately, customers believe them blindly, end up buying very expensive plans only to regret it later.What should you do?Next time when you talk to an agent, ask them for a term plan. Therefore, if you do not have a life insurance plan yet, the agent should ideally recommend you a term plan.

Now, the commission that the insurance agents receive, from the insurance company, is a percentage of the premium. Therefore, term plans offer comprehensive life cover at nominal غير مجاز مي باشدts. Most insurance companies, these days, offer online life insurance plans, be it endowment, low-غير مجاز مي باشدt unit linked or term insurance plans, that you can buy on your own without the help of any insurance agents.Most agents are not adequately trained to sell life insuranceThough term insurance plans are quite profitable for life insurance companies, little or no training is provided to the agents after contracting them for selling products. The work of a life insurance agent is to understand your financial requirements first and then suggest a plan depending on your needs.

Since the premiums are low in a term plan, the commissions are low as well. Moreover, there are a number of insurance comparison portals that allow you to do it yourself (DIY), compare among similar insurance products and choose one depending on your requirement. It often becomes difficult for the agents to make them understand that term plans cover only the death risk and the coverage amount is quite large in comparison with other life insurance plans.Low premiums means lower commissionA term insurance plan is less expensive than any other life insurance policy available in the market. So, the agents hardly care about selling term insurance plans to the customers. Since term plans are not investment plans, they offer no returns.com.A life insurance plan without any returns does not interest the customersWhy blame only the agents when customers are also not interested in buying term plans? This is true. If you have dependents in your family, term insurance plan is what you must have to secure their future financially when you are not around. 

Bhambri won the first set in 47 minutes after trailing 1-3 and then won four games in a row to lead 5-3, the decisive break coming in the seventh game.The Kiwi was more error-prone and frittered away the early advantage with some loose play.And then when the Indian was serving for the set at 5-4 his rival frittered away two break points before Bhambri went up to set point with a service winner down the T and then clinched the set for a 2-0 lead when Tearney, undone by another net-cord return, hit his back-hand into the tape of the net.

And he came up with another excellent return of serve followed by a forehand down-the-line winner to clinch the match.Ramkumar Ramanathan will now clash with Jose Statham in the second singles. Although Tearney held serve to stay in the set, the Indian served out the 10th game at with a forehand winner to pocket the opening set.It was a crucial break as he won both his service games while Tearney held his serve in the seventh and then served to stay alive in the first rubber when trailing 3-5.The 24-year-old Delhi lad, ranked 368, trailed in the first two sets but made amends to take a 6-4, 6-4, 6-3 win in two hours and 10 minutes against his 26-year-old rival from Wellington who is ranked 414.Yuki Bhambri was far from his best but still managed a straight-set victory over Finn Tearney in the first singles to hand India a 1-0 lead against New Zealand in the Asia/Oceania Group I round tie here today. Yuki Bhambri returns the ball to Finn Tearney.Later in the set he started serving well and also China Automobile Tubing Manufacturers hit some excellent returns of serve to put pressure on his rival.

Bhambri took full advantage with some excellent, deep ground shots with his strong suit, the forehand.With order restored, Bhambri broke his rival’s serve in the fifth game when Tearney double faulted and then held serve to take a handy 4-2 lead. The Kiwi was down 0-40 and then fought back to hold serve by winning the next five points but after Bhambri held his serve he could not prevent the Indian from going 3-2 up with a service break.The Indian started brilliantly with a service break but then dropped serve twice, after lapsing into errors, to lag behind Tearney and then got control of his play, albeit with mistakes at times.Bhambri served a timely first ace followed by a forehand winner deep into the rival’s court to hold serve for a 5-3 lead and then, after Tearney managed to stay alive in the set he could not stop the Indian from racing away to the opening set backed by some notable serves.Bhambri played superbly in this game by using the drop shot from the baseline, an inside-out forehand winner and then a good approach shot to the net followed by a high volley to break serve for a 3-2 lead.

Bhambri, not to lose the advantage, put pressure on his rival’s serve immediately and had a match-point when the New Zealander mishit a forehand.Bhambri was down 0-2 in the second set but recovered quickly to take a 2-0 lead before dominating the third set and winning it with one break of serve as his rival's game went to pieces on the hard court at the Shiv Chhattrapati sports complex in Balewadi. Bhambri, with a 10-5 win-loss record in Davis Cup singles as compared to his rival's 2-0, broke his rival’s first service game of the match with a forehand winner but then played loose and fell behind 1-3.Yuki Bhambri won the opening singles game to put India in front against New Zealand in their Davis Cup clash in Pune.Tearney had to fight tooth and nail to hold his serve and prevent Bhambri from taking a commanding 5-2 lead after deuce was called four times.By now the Indian seemed distinctly on top and it proved in the third set too as he was all over his rival in the third game on Tearney’s serve.Tearney lapsed into errors and was quickly down 15-40 on his serve in the seventh game and was broken when he hit a forehand beyond the baseline to help Bhambri take the lead at 4-3.The Indian then started on the wrong foot by dropping his serve early to trail 0-2 but like in the first set fought back immediately to restore parity by breaking his rival?s serve in the third when the Kiwi buried his backhand into the net

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After the announcement from Toyota of price hike across its models, we were wondering which automaker would follow and it turned out to be Tata Motors. This announcement comes at a time when not only the popularity of the Tiago is growing but the Tata's premium SUV, the Hexa is also scheduled for launch next month.

Tata is going to hike the prices of cars across its line-up in the range of Rs 5,000-25,000 from January 2017. This announcement comes at a time when not only the popularity of the Tiago is growing but the Tata&rubber seal strip Suppliers39;s premium SUV, the Hexa is also scheduled for launch next month.This is what the president of passenger vehicle business at Tata Motors, Mayank Pareek, had to say about the price hike: "The increase in prices of raw material commodities like steel, aluminium, copper and rubber over a period of time has put a lot of pressure on us and, as a result, we are forced to hike prices of our passenger vehicles."It is tough to predict by how much the price of cars like the Tiago and the Hexa will go up.

IST Tata is going to hike the prices of cars across its line-up in the range of Rs 5,000-25,000 from January 2017. Considering that these two are young products in Tata's line-up, the automaker may increase their prices by Rs 10,000 to 15,000. Also, since the Nano has been a huge failure and return on investment on the car has not been high, Tata might increase the prices of the Nano the most.com. We are seeing good demand for our cars and have witnessed month-on-month growth owing to the Tiago. For more news, stay tuned to ZigWheels. Do you think Tata Motors hiking the prices of its cars is worth it? Which automaker will hike the prices of its cars next? Please feel free to sound your opinion in the comments below. However, that is just us speculating and nothing more.Source: ZigWheels