From HDFC Bank News Letter

A company in a western city conducted a survey on the employees who had been with the company for five years or more. Two questions were asked to all the employees and their replies summed to unanimous answers.
First question: What is your greatest hope in life?The answers were: To be financially secure To have happiness and security To be carefree in old age To be sure that my family will be secureTo retain my health and my job To have the respect of my family and friends To sum it up- the greatest hope in life is the hope for security.
Second question: What is your greatest fear in life? The answers were: Fear of financial insecurity Not being able to support for self and family.Sickness and unemployment DeathDependence in old age To sum it up – the greatest fear in life is – insecurity
Life insurance is the most efficient way of furnishing security and for many people it is the only way that can provide security. It offers people methods of achieving economic security.
Family Protection The very thought of protecting family, to shield them against the hazards of being financially unsecured in the event of death of the bread winner, leads to only one conclusion of purchasing a life insurance policy by paying small amounts periodically. The life insurer assures to the family in the event of death a much lager sum of money fulfilling the family needs.
Wealth Creation And Transfer Life insurance is also recognized as an effective financial tool for wealth creation. One can pay a fixed amount at regular intervals and build a corpus. Unit linked life insurance plans also give you the flexibility of adding more in case of any cash- flows over and above the regular premiums. A unique feature of life insurance is that, the wealth in the form of the corpus is transferable to anyone by assigning beneficiaries in the policy. Beneficiaries could be wife, children or both. When policy matures or even in case of any eventuality the entire corpus accumulated in the policy is given only to the beneficiaries.
Security With Dignity And Freedom Security for an individual can be defined as dignity. Not knowing how long you will live makes it extremely difficult to determine how much money it will take to live in the fashion to which we are accustomed. Life insurance not only insures life, it insures way of life. A life insurance pension contract assures life income every year during old age. This income gives the freedom to live life comfortably and proudly.
Life insurance is the only instrument that offers security against threats of death, disability and old age. Just a signature on the application form creates an immediate asset for you and your family


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