I recently received a sales call, but I was on the receiving end this time, and it was a powerful reminder of why my approach to financial advising is so different. The salesperson was sharp and articulate, and they knew their product inside and out. They could rattle off policy details and compare dozens of options with impressive speed. But their entire approach was flawed from the start. The moment they learned my salary, they settled on a single solution: a ₹1 crore term plan. There was no effort to understand my unique situation—my liabilities, my savings, or my family’s financial goals. They didn’t even consider the financial security of my wife, assuming perhaps that a female spouse’s coverage is an afterthought. Their goal wasn’t to understand my needs; it was to push a product that’s an easy sell. The call wasn’t about me; it was about a transaction. This experience solidified my belief that true financial guidance isn’t about selling a product; it’s about solving a problem. I don’t just sell term insurance; I help clients understand why they need it and what amount is truly right for them. We start the conversation with their life, not a policy. We talk about their family’s dreams, their long-term goals, and what “peace of mind” truly means for them. A good advisor doesn’t just sell a policy; they help you build a secure foundation for your family’s future. It’s about leading with empathy and a deeper understanding of a client’s life, not just their income bracket. My job isn’t to be a salesperson; it’s to be a genuine problem-solver and a trusted partner. Read more on LinkedIn f you’re ready for a conversation that starts with your life, not a policy, reach out for a consultation to find the right solution for you
The ICICI Pru iProtect Smart is a popular and comprehensive term insurance plan offered by ICICI Prudential Life Insurance. It’s designed to provide financial security to your family in your absence.insurance plan that offers a good range of customisable features and benefits , like life stage benefits, add on riders , multiple payment terms , multiple mode of payments, discounts etc, making it a comprehensive plan to look for when if you are looking for the an term plan. Here in this blog we have detailed the policy ,with its all features and benefits , all the terms conditions , which you can go through to understand the policy in detail. If you do not want to read through the policy you can watch our video Short Video Describing the Policy : Long Video Discussing Policy in Detail : Let Us Look At the Plan. Built In Rider Coverage against death terminal illness – in the opinion of two independent medical practitioners’ specialising in treatment of such illness, is highly likely to lead to death within 6 months – The terminal illness must be diagnosed and confirmed by medical practitioners’ registered with the Indian Medical Association and approved by the Company. – The Company reserves the right for independent assessment. – The Medical Practitioner should neither be the insured person(s) himself nor related to the insured person(s) by blood or marriage nor share the same residence as the Life Assured. Waiver of premium on disability – On diagnosis of Permanent Disability (PD) due to an accident, the future premiums under your policy for all benefits are waived – In the event of PD of the Life Assured after 180 days of the occurrence of the accident, the Company shall not be liable to pay this benefit. What is disability if person is not able to perform 3 out of 6 activities • Mobility: The ability to walk a distance of 200 meters on flat ground. • Bending: The ability to bend or kneel to touch the floor and straighten up again and the ability to get into a standard saloon car, and out again. • Climbing: The ability to climb up a flight of 12 stairs and down again, using the handrail if needed. • Lifting: The ability to pick up an object weighing 2kg at table height and hold for 60 seconds before replacing the object on the table. • Writing: The manual dexterity to write legibly using a pen or pencil, or type using a desktop personal computer keyboard. • Blindness – permanent and irreversible – Permanent and irreversible loss of sight to the extent that even when tested with the use of visual aids, vision is measured at 3/60 or worse in the better eye using a Snellen eye chart. T & C – The disability should have lasted for at least 180 days without interruption from the date of disability and must be deemed permanent by a Company empanelled medical practitioner T & C -Attempted suicide or self-inflicted injuries while sane or insane, or -whilst the Life Assured is under the influence of any narcotic substance or – drug or intoxicating liquor except under the direction of a medical practitioner; – Engaging in aerial flights (including parachuting and skydiving) other than as a fare paying passenger or crew on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route – The Life Assured with criminal intent, committing any breach of law – Due to war, whether declared or not or civil commotion – Engaging in hazardous sports or pastimes, e.g. taking part in(or practicing for) boxing, caving, climbing, horse racing, jet skiing, martial arts, mountaineering, off site skiing, pot holing, power boat racing, underwater diving, yacht racing or any race, trial or timed motor sport. – PD due to accident must be caused by violent, external and visible means – No benefit is paid if the Life Assured’s death occurs 180 days after the accident. Optional Rider Accidental Death Benefit – An case of death due to an accident within Accidental Death Benefit term, we will pay your nominee/legal heir AD Benefit as lump sum. – It can be added anytime during policy except in last 5 years – There must not have been any claim in the policy till the time of opting of AD Benefit – The AD Benefit starts from the next policy anniversary and continues for the remaining policy term or until age 80, whichever is sooner. – Life Assureds then age must be less than or equal to 55 years – once added cannot be removed – For the Accidental Death Benefit to apply, injuries from the accident must directly cause the Life Assured’s death within 180 days and before coverage ends. – No benefit is paid if the Life Assured’s death occurs 180 days after the accident. SI Min 1L Max is 3 times of Sum Assured , subject to maximum Board approval T & C -Attempted suicide or self-inflicted injuries while sane or insane, or -whilst the Life Assured is under the influence of any narcotic substance or – drug or intoxicating liquor except under the direction of a medical practitioner; – Engaging in aerial flights (including parachuting and skydiving) other than as a fare paying passenger or crew on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route – The Life Assured with criminal intent, committing any breach of law – Due to war, whether declared or not or civil commotion – Engaging in hazardous sports or pastimes ,e.g. taking part in(or practicing for) boxing, caving, climbing, horse racing, jet skiing, martial arts, mountaineering, off site skiing, pot holing, power boat racing, underwater diving, yacht racing or any race, trial or timed motor sport. – PD due to accident must be caused by violent, external and visible means Accelerated Critical Illness Benefit -The ACI Benefit offers you coverage against 34 critical illnesses -This benefit is payable, on first occurrence of any of the