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Make sure you leave behind happy memories, not unwanted expenses….

you leave expenses….

What is Life Insurance?• It's a straightforward and affordable way of helping make sure that

your family and loved ones are financially secure in the event of your death.

A Life Insurance plan pays out a cash lump sum if the person(s) insured dies during the term of the plan. The lump sum can be used to provide financial support to your family and loved ones, who might otherwise struggle to pay the mortgage, bills and other living expenses without your income.

Having the right level of Life Insurance in place gives you peace of mind and your family a financial safety net if they ever need it. There are different types of life insurance, so it's important to pick the right type for you.

The foundation of life insurance is the recognition of the value of a human life and the possibility of indemnification for the loss of that

value.

Who needs life insurance?

• If someone depends on you financially, you probably need life insurance. If you're a breadwinner, life insurance can provide critical financial support to your loved ones if you die prematurely. Permanent life insurance can also help you establish a fund you can access for planned life events like college or retirement, or for emergencies and opportunities. Later in life, it can help you transfer your wealth to the next generation.

WHY LIFE INSURANCE ?

• SECURITY OF LIFEINVESTMENT, SECURITY FOR OUR FUTUREGROWTH OF OUR MONEY LIQUIDITYTAX BENEFITTRANSFER OF WEALTH

Why Life Insurance necessary ?• There is no guaranty about out life, because our life is uncertain. We can’t say any thing about

our future. Our future is covered with Uncertainty. What will happen in coming few seconds no body knows? We also can’t say about our self,

Whether we are seating in front of a computer, we can get an electric shock,

Or our building can collapse,

Or any car or truck can destroy our building,

Or any terror attack,

Or earth quake,

Or any natural disaster,

Or public destruction,

Or etc... etc... many reasons.

Need for Life Insurance

• Today, there is no shortage of investment options for a person to choose from. Modern day investments include gold, property, fixed income instruments, mutual funds and of course, life insurance. Given the plethora of choices, it becomes imperative to make the right choice when investing your hard-earned money. Life insurance is a unique investment that helps you to meet your dual needs - saving for life's important goals, and protecting your assets.

Why do we need Insurance?

• There may be scenario's where the loss that we would incur due to some event would be extensive and we would not be in a position to incur the losses. Say for e.g., the only earning member in the family meets with an accident and is incapacitated from going to work for 6 months, what would the family do for their survival? These are the cases where Insurance comes in handy. The insured person can claim an amount corresponding to his disability, losses and use the money to sustain his family until he is fit to resume his job.

Why is Insurance so Important?

• Insurance is important because if you could not work because of an accident or injury or damaged something you couldn’t replace, had an accident in your car or had something stolen, insurance is there to help you pay for it, replace it or help to keep you monthly payments paid. Insurance is that extra security if anything were to go wrong so you get the help you need, when you need it.

Insurance. It takes the emotion out of life and death

• Death, employment, disaster, inheritance, illness, retirement, education. Emotional topics: the stuff of dreams and nightmares. And the stuff of insurance. Insurance promotes our dreams and protects us against our nightmares

• Contd.

.• People don't die at the right time. What makes you

think it will be different for you?• Would you agree that the only person who can take

care of the older person you will someday be - is the younger person you are now?

• You can borrow money to pay a premium - but you can't borrow health to pass an Insurance medical test.

• Life Insurance is the same as a parachute in an airplane. If you ever want it and haven't got it, you'll never need it again, to have it when you want it, you have to buy it when you don't.

• Life Insurance offers a man the only way where he can make his will before he makes his money.

.• Nothing can replace your health or your life.

What insurance cover can do is ease the financial burden and take care of you and your loved ones.

You insure your car and your home. But nothing is more important than your life and your ability to make a living. Why not insure your greatest asset – you?

Do you feel lucky today? The concept of risk

• We all face risk--the possibility of injury, illness, death, or property destruction--each day. Although you can never eliminate risk, you can guard against financial loss by shifting part of your financial risk to a larger entity (your insurance company) that's in the business of dealing with that risk. In return for your payment of premiums, your insurance company agrees to pay you (and/or others) a certain amount of money for a specified loss. This loss may or may not occur, so both sides gamble.

Why Buy Insurance?

• When you drop a quarter into a slot machine, you know that your chances of winning are pretty slim. But risking a quarter (or perhaps much more than a quarter) may be worth it to you if the potential payoff is great enough. Insurance is a lot like that. You pay premiums not because you expect to die today, get into a car accident next week, or lose your home in a fire next month, but because the peace of mind it offers and the financial protection it could provide are worth it. You don't have to bear the risk of financial loss alone. Insurance is all about risk and financial protection.

Life without Life Insurance

• What if you were no longer here to provide for your family and loved ones? What if you couldn't watch your children grow, graduate from college, and begin their own families? What if your spouse couldn't afford the home, car, college tuition, or unanticipated medical expenses, all because you hadn't planned for the unexpected? Life is full of "what ifs," and we don't always have the answers to every question. That's why it's important to put a plan in place that will protect your family if you're not here. Life insurance can be an essential part of that plan.

Life Insurance: The most misunderstood financial tool

• Life insurance is one of the most overlooked and misunderstood portions of a financial plan. Some folks swear by it. Some swear at it. Some folks get religious over it. In other words, reason goes out the window and they either bless it or curse it without examining the facts.

In our view, life insurance is simply a tool. Whether it’s good or bad depends on how it’s used in a specific situation

Using life insurance to reach financial goals

• Individuals are increasingly looking at their long-term financial situation as one part building savings and assets, and one part protecting those savings and assets. The interesting point about life insurance, in particular, is that it stands alone in its flexibility to both address critical risks and help meet long-term financial goals

Life stage profiler

Life stage profiler

• All through your life, several significant events the birth of your child, moving to a larger home, his or her education and wedding, buying a new car, retiring from work will occur at various stages and demand your financial commitment. If you plan in advance for these events, you will quite naturally be prepared when they occur.

Life insurance is an effective tool that assists you to plan for your future such that you are financially equipped to meet all your goals.

• Life insurance is the only investment option that offers specific products tailormade for different life stages. It thus ensures that the benefits offered to the customer reflect the needs of the customer at that particular life stage, and hence ensures that the financial goals of that life stage are met.

Goal based savings

• Each of us has some goals in life for which we need to save. For a young, newly married couple, it could be buying a house. Once, they decide to start a family, the goal changes to planning for the education or marriage of their children. As one grows older, planning for one's retirement will begin to take precedence.

Clearly, as your life stage and therefore your financial goals change, the instrument in which you invest should offer corresponding benefits pertinent to the new life stage.

Asset Protection• From an investor's point of view, an investment can play two roles -

asset appreciation or asset protection. While most financial instruments have the underlying benefit of asset appreciation, life insurance is unique in that it gives the customer the reassurance of asset protection, along with a strong element of asset appreciation.

The core benefit of life insurance is that the financial interests of one’s family remain protected from circumstances such as loss of income due to critical illness or death of the policyholder. Simultaneously, insurance products also have a strong inbuilt wealth creation proposition. The customer therefore benefits on two counts and life insurance occupies a unique space in the landscape of investment options available to a customer.

Health insurance and protection

• We know it's important to find a provider you can trust when you're getting health insurance quotes. Aviva's health insurance policies offer you prompt access to high quality diagnosis and private medical treatment. Using our expertise, we've created health insurance policies that offer you choices about the levels of cover you'd like, and help you learn more about your health and well being.

• Critical Illness• Adult surgery costs• Hospitalization

PensionsInvesting for retirement

• It's so important to save for your retirement. Putting as much as you can invest into a pension plan as soon as you can gives you a much better chance of having the retirement you want.

It's never too soon to start investing.• Professional income stops when practice stops• Brain x Time = Earning power• 2 days income to protect your income in future• 3% as premium to protect your income

Life Insurance

• Helping you choose the right coverLife insurance doesn't have to be complicated, and there are lots of ways we can help you make the right choice.

How do I know how much life insurance I need?

• You can start by identifying what you want your life insurance to do. For example, if you're a breadwinner, you probably want your life insurance to replace your income for a certain number of years in case something happens to you. Most experts say you should consider life insurance coverage worth five years of your current income.

Life insurance can also help ensure funds are there for college tuition, final expenses and to cover outstanding debt.

Needs Analysis

Needs survey

• Planning ahead to ensure that you have the money to give your children a great EDUCATION

• Planning ahead to ensure that you have enough money for a comfortable RETIREMENT

• Receiving money in the event of a long stay in HOSPITAL• Looking after your family in the event of your DEATH• Planning ahead to ensure that you have the money to give your

children a great WEDDiNG• Planning ahead to ensure that you have the money to buy a

HOME• Reciving money on the diagnosis of a CRITICAL ILLNESS• Looking after yourself and family in the event of your DISABILTY

I am too late ……….

• http://www.youtube.com/watch?v=TG4Bc1Hm3qQ&feature=youtube

• Dont wait for the perfect moment to come.. take the moment and make it perfect, then you are a winner...

Aviva• Aviva provides around 43 million customers with insurance, savings and

investment products. We are the UK's largest insurer* and one of Europe's leading providers of life and general insurance.

• We combine strong life insurance, general insurance and asset management businesses under one powerful brand. We are committed to serving our customers well in order to build a stronger, sustainable business, which makes a positive contribution to society, and for which our people are proud to work.

• At a glance - our key statistics:• One global brand• 43 million customers• £33 billion paid in claims and benefits to customers in 2011• 36,600 employees• A top six life insurer in all our European markets• Over 300 years of heritage

NDB• OUR VISION: A World-class SriLankan bank• OUR MISSION To be dominant in the financial services sector, creating

superior long-term shareholder value and contributing to economic development in Sri Lanka by exploiting regional opportunities and delivering innovative solutions with 'best in industry' service excellence through an inspired team

• OUR VALUES Integrity We believe in truth, justice and fairplay, above all else. Care We will never lose the human touch. We will care for our colleagues, our customers, our community and our environment. Passion We will embrace challenges with passion and aggressively pursue our goals Teamwork We will work together as a team, supporting each other, respecting every individual and drawing strength from our diversity. Service We will always strive for excellence in serving our internal and external customers, through professionalism, innovation and creativity