----LIC's NAV'S AS ON DATE 23.02.2008----

LIC's NAV'S AS ON DATE 23.02.2008 EFFECTIVE FOR 23.02.2008

• BASIC UNIT VALUE
• NAV AS ON DATE
• REPURCHASE VALUE
• SALE VALUE

LIC's MARKET PLUS (181)
DATE OF LAUNCH 05.07.2006
BOND FUND
10
11.7575
11.7575
11.7575
SECURED FUND
10
11.8787
11.8787
11.8787
BALANCED FUND
10
11.9471
11.9471
11.9471
GROWTH FUND
10
12.5744
12.5744
12.5744

Testing Interview-1 (Questions & Answers)

• What is Latent Bug?

A bug that has been unobserved in two or more releases.

• What is the purpose of Performence Testing?

Testing conducted to evaluate the compliance of a system or component with specific performance requirements.

• Define Test Log?

A chronological record of all relevant details about the execution of a test.

• What is the difference between Alpha Testing and Beta Testing?

Alpha Testing:Testing of a software product or system conducted at the developer's site by the customer.
Beta Testing:Testing conducted at one or more customer sites by the end-user of a delivered software product or system.

• What are the different levels in CMM LEVEL 5?

Level-1 Initial

Level-2 Repeatable

Level-3 Defined

Level-4 Managed

Level-5 Optimizing

• What is the Traceability matrix ? What is its use?

Traceability matrix is a document that provides cross-reference between requirements with testcases executed in the system-testing.It also provides a reference to the specific requirement with reference to a perticular bug.

INSURANCE OMBUDSMAN (Press Note )

• The institution of Insurance Ombudsman was created by the Government of India vide its notification dated 11th November, 1998 to handle complaints of aggrieved insured persons.
• Claimants who could not get their complaints redressed by insurers may get in touch with the Ombudsman relevant to their states.
• Details of Ombudsmen can be obtained from IRDA’s website www.irdaindia.org or from any insurer’s office.

(C. S Rao) Date:11th February, 2005 .

Chairman,IRDA

How do I send my application for Information under Right to Information Act,2005 ?

• As per the Right to Information (Regulation of Fee and Cost) Rules, 2005 prescribed by the Government of India: a request for obtaining information under Section 6(1) of RIA needs to be accompanied by an application fee of Rs.10 by way of cash against proper receipt or by DD or bankers’ cheque.

Making an Application under the Right to Information Act, 2005

• Citizens of India will have to make the request for information in writing, clearly specifying the information sought under the Right to Information Act, 2005.
• The application for request should give the contact details (postal address, telephone number, fax number, email address) so that the applicants can be contacted for clarifications or for further information.
• As per the Act, information can be furnished only to citizens of India but not to others.

Right to Information Act, 2005

• The Government of India has enacted the Right to Information Act, 2005 which has come into effect from October 13, 2005.
• The Right to Information under this Act is meant to give to the citizens of India access to information under control of public authorities to promote transparency and accountability in these organisations.
• The Act, under Sections 8 and 9, provides for certain categories of information to be exempt from disclosure.
• The Act also provides for appointment of a Chief Public Information Officer to deal with requests for information.

CUSTOMER PROTECTION (Ombudsman):

• Insurance Industry has Ombudsmen in 12 cities.
• Each Ombudsman is empowered to redress customer grievances in respect of insurance contracts on personal lines where the insured amount is less than Rs. 20 lakhs, in accordance with the Ombudsman Scheme.
• Addresses can be obtained from the offices of LIC and other insurers.

----Popular Products in Life Insurance----

• Endowment Assurance, and Money Back.
• More than 80% of the life insurance business is from these products.

INSURANCE BUSINEES in INDIA

Insurance business is divided into four classes :

• Life Insurance
• Fire Insurance
• Marine Insurance
• Miscellaneous Insurance.

Life Insurers transact life insurance business; General Insurers transact the rest.
No composites are permitted as per law.

----Insurance(Life & General)History----

INDIAN INSURANCE INDUSTRY: InsurersInsurance industry, as on 1.4.2000, comprised mainly two players: the state insurers: Life Insurers:
Life Insurance Corporation of India (LIC) General Insurers:
General Insurance Corporation of India (GIC) (with effect from Dec'2000, a National Reinsurer) GIC had four subsidary companies, namely ( with effect from Dec'2000, these subsidaries have been de-linked from the parent company and made as independent insurance companies.
The Oriental Insurance Company Limited
The New India Assurance Company Limited,
National Insurance Company Limited
United India Insurance Company Limited. Yr: 2000-2001 : ( From 2nd April '2000 to 31st December'2001)Insurance Industry in the year 2000-2001 had 16 new entrants, namely:Life Insurers:
S.No.
RegistrationNumber
Date of Reg.
Name of the Company
1
101
23.10.2000
HDFC Standard Life Insurance Company Ltd.
2
104
15.11.2000
Max New York Life Insurance Co. Ltd.
3
105
24.11.2000
ICICI Prudential Life Insurance Company Ltd.
4
107
10.01.2001
Kotak Mahindra Old Mutual Life Insurance Limited
5
109
31.01.2001
Birla Sun Life Insurance Company Ltd.
6
110
12.02.2001
Tata AIG Life Insurance Company Ltd.
7
111
30.03.2001
SBI Life Insurance Company Limited .
8
114
02.08.2001
ING Vysya Life Insurance Company Private Limited
9
116
03.08.2001
Bajaj Allianz Life Insurance Company Limited
10
117
06.08.2001
Metlife India Insurance Company Ltd.
11
133
04.09.2007
Future Generali India Life Insurance Company Limited
12
135
19.12.2007
IDBI Fortis Life Insurance Company Ltd. General Insurers :
S.No.
Registration Number
Date of Registration
Name of the Company
1
102
23.10.2000
Royal Sundaram Alliance Insurance Company Limited
2
103
23.10.2000
Reliance General Insurance Company Limited.
3
106
04.12.2000
IFFCO Tokio General Insurance Co. Ltd
4
108
22.01.2001
TATA AIG General Insurance Company Ltd.
5
113
02.05.2001
Bajaj Allianz General Insurance Company Limited
6
115
03.08.2001
ICICI Lombard General Insurance Company Limited.
7
131
03-08-2007
Apollo DKV Insurance Company Limited
8
132
04-09-2007
Future Generali India Insurance Company Limited
9
134
16-11-2007
Universal Sompo General Insurance Company Ltd. Yr: 2001-2002 : ( From 1st Jan 2001 to Dec. 2002)Insurance Industry in this year, so far has 5new entrants; namelyLife Insurers:
S.No.
RegistrationNumber
Date of Reg.
Name of the Company
1
121
03.01.2002
AMP Sanmar Life Insurance Company Limited.
2
122
14.05.2002
Aviva Life Insurance Co. India Pvt. Ltd.
General Insurers :
S.No.
Registration Number
Date of Registration
Name of the Company
1
123
15.07.2002
Cholamandalam General Insurance Company Ltd.
2.
124
27.08.2002
Export Credit Guarantee Corporation Ltd.
3.
125
27.08.2002
HDFC-Chubb General Insurance Co. Ltd.
Yr: 2003-2004 : ( From 1st Jan 2003 till Date)Insurance Industry in this year, so far has 1new entrants; namelyLife Insurers:
S.No.
RegistrationNumber
Date of Reg.
Name of the Company
1
127
06.02.2004
Sahara India Insurance Company Ltd.
Yr: 2004-2005 : Insurance Industry in this year, so far has 1new entrants; namelyLife Insurers:
S.No.
RegistrationNumber
Date of Reg.
Name of the Company
1
128
17.11.2005
Shriram Life Insurance Company Ltd.

----IRDA Guide Lines to Public----

• For every product/rider, there is a UIN (Unique Identification Number) alloted by IRDA.
• For every product/rider offered for sale, there should be corresponding UIN provided in autherised website.
• Public is advised to check UIN before purchase, using autheriesd website.
• Any discrepancy observed in this regard may be reported to IRDA.

----List of Life Insurers in India----

S.No. Name of the Company
1
Bajaj Allianz Life Insurance Company Limited
2
Birla Sun Life Insurance Co. Ltd
3
HDFC Standard Life Insurance Co. Ltd
4
ICICI Prudential Life Insurance Co. Ltd.
5
ING Vysya Life Insurance Company Ltd.
6
Life Insurance Corporation of India.
7
Max New York Life Insurance Co. Ltd
8
Met Life India Insurance Company Pvt. Ltd.
9
Kotak Mahindra Old Mutual Life Insurance Limited
10
SBI Life Insurance Co. Ltd
11
Tata AIG Life Insurance Company Limited
12
Reliance Life Insurance Company Limited.
13
Aviva Life Insurance Co. India Pvt. Ltd.
14
Sahara India Life Insurance Co, Ltd.
15
Shriram Life Insurance Co, Ltd.
16
Bharti AXA Life Insurance Company Ltd.
17
Future Generali Life Insurance Company Ltd.

----Jeevan Amrit----

• This plan is a combination of Endowment Assurance and Whole Life plans.
• It provides financial protection against death throughout the lifetime of the life assured with the provision of payment of a lump sum at the end of the selected term in case of his survival.

----Jeevan Tarang----

• This is a with-profits whole of life plan which provides for annual survival benefit at a rate of 5½ % (5.5%) of the Sum Assured after the chosen Accumulation Period.
• The vested bonuses in a lump sum are payable on survival to the end of the Accumulation Period or on earlier death.
• Further, the Sum Assured, along with Loyalty Additions, if any, is payable on survival to age 100 years or on earlier death.

----Jeevan Anand----

• This plan is a combination of Endowment Assurance and Whole Life plans.
• It provides financial protection against death throughout the lifetime of the life assured with the provision of payment of a lump sum at the end of the selected term in case of his survival.

----Childrens Plans----

• Childrens Plans are specially designed to meet the increasing educational, marriage and other needs of growing children.
• It provides the risk cover on the life of child not only during the policy term but also during the extended term (i.e. 7 years after the expiry of policy term).
• A number of Survival benefits are payable on surviving by the life assured to the end of the specified durations.

----New Bima Gold----

• It is a special plan.
• It is a plan where premiums paid over the term of plan are paid back during the policy term in installments and life insurance cover is available not only during the term but also during the extended term of the plan.

-------Market Plus-------

• This is a unit linked deferred pension plan.
• You can take the plan with or without risk cover.
• You can also choose the level of cover within the limits, which will depend on whether the policy is a Single premium or Regular premium contract and on the level of premium you agree to pay.

-------Fortune Plus-------

• It is a unit linked assurance plan where premium payment term (PPT) is 5 years and the premium payable in the first year will be 50% of total premium payable under the policy.
• The level of cover will depend on the level of premium you agree to pay.

----------Profit Plus----------

• It is a unit linked Endowment plan where the premium payment term (PPT) is limited to single lump sum, or uniformly over 3, 4 or 5 years.
• You can choose the level of cover within the limits, which will depend on whether the policy is a Single premium or Limited premium contract, term chosen and on the level of premium you agree to pay.

-------FAQs_01_Premium Collections_Through Net-Banking-------

FAQs About Premium Collections Received Through Net-Banking.

• What are the benefits of paying your LIC premiums through net-banking/phone-banking?You as our policyholder:
• Can decide and authorize payments 24hrs a day * 7days a week because of anywhere & anytime access to internet.
• Can issue payment instruction within the comforts of your home or office, and avoid personal visit to LIC branch
• Will save time by not waiting in queues for making the payment.
• Can avail the free service from LIC, as you don’t have to pay any charges to LIC or its authorized agencies for this additional benefit.
• Can choose the bank account you want to pay from, any or all of your bank accounts can be registered with the service provider.
• Can decide in advance the date on which you want your account to be debited.
• Can choose to modify your instructions during the intervening time.
• Will get reminders and alerts by email from the banks and service providers about the premium dues.
• Can avoid expenses of postage/courier in sending the remittance to LIC.
• Can avoid demand draft/pay order charges for outstation policy premiums.
• Can also view your premium dues and other policy details
• Which policies are eligible for payment of premiums thru this facility?
• Policies which are being serviced in networked branches, or those policies which can be accessed through our MAN (Metro Area Network) or WAN (Wide Area Network).
• Policies which are of ordinary mode of payment ie. Yearly (Yly), Half-yearly (Yly) or Quarterly (Qly).
• Policies with mode of payments such as single premium, ordinary monthly (Mly) and Salary savings scheme (SSS) are not available for this facility.
• Policies should reflect in-force policy status. Lapsed policies or policies due for revival are not valid.
• What are the charges to be paid for availing this facility?
• This facility is absolutely free for the policyholders of LIC.
• LIC has agreements with the authorized banks/service providers wherein LIC will pay a mutually agreed charge per transaction on monthly basis. Customer will not be charged for availing this payment facility.
• Which organisations are authorised to collect LIC premiums thru their net-banking/phone-banking facility?
• Authorised Banks:
  HDFC Bank, ICICI Bank, Bank of Punjab, UTI Bank, Global Trust Bank, Federal Bank, Corporation Bank, and Citibank
• Authorised Service Providers (available only in select cities) :
  BillJunction.com, Timesofmoney.com, and BillDesk.com.
• Who can register with the authorised banks?
  You as our policyholder having a bank account with any of the above-mentioned authorized banks in any of its branches in India.
• You should have opted for the net-banking facility with the respective bank. Details of the same can be obtained from the respective bank thru its web-site. Downloadable forms are also available for new customers.
• You should be able to access the net-banking account with the login & password provided by the bank.
  NOTE:For more details about net-banking, you may log on to the respective bank’s website.
• Who can register with the authorised service providers ?
  You as our policyholder having a bank account in any bank in the select cities where the above-mentioned service providers have their operations.
  On being approached, the service provider obtains a written mandate from you, authorising him to realise the billed amount directly from your bank account. You may have to give the bank account details and other requisite details as required by the service provider.
• In which cities do the authorised service providers operate from ?
  BillJunction.com has its operations in Mumbai, Delhi, Kolkata, Chennai, Bangalore, Hyderabad, Ahmedabad & Pune.
  TimesofMoney.com has its operations in Mumbai, Delhi, & Bangalore.
  BillDesk.com has its operations in Mumbai, Delhi, Kolkata, Chennai, Bangalore, Ahmedabad, Pune, Baroda & Surat. They also have tie-ups with their partner banks viz. Bank of Baroda, IDBI Bank, ABN-AMRO Bank.
• How to add the policy details at the authorised bank/service provider’s web-site?
• Using the login & password provided by the bank/service provider, you can log on to your account page at the bank/service provider’s website
• You have to add LIC as biller with the policy details and other requisite information. In general, you would have to enter the policy number, the instalment premium, email-id and any other information. This is a one-time process for each policy.
• Some of the service providers/banks’ web-sites have a demo page showing the process of adding the billers.
• How does LIC acknowledge the registered policy details?
• The bank/service provider sends these details to LIC for validation & confirmation of the registration data at pre-determined intervals.
• LIC validates the registration data and informs the bank/service provider about the registration status. Since LIC’s database is de-centralized, generally it takes a week’s time for confirmation of registration data.
• A consolidated database of registered policies is maintained by LIC. This database is updated at regular intervals on the basis of changes received from the original servicing branches.
• LIC also sends auto-mailers to the registered policyholders informing the registration status.
• When can I pay the insurance premiums?
• On confirmation of the registration, LIC will regularly send the bills/invoices mentioning the due dates, premium amount, late fees, validity date, etc to the service provider/bank.
  As and when premium becomes payable under the registered policy, LIC sends the bills to the bank/service provider, and the information will be displayed by the bank/service provider in your net-banking account page.
• How to pay the insurance premiums through the banks/service providers?
• You have to log on to the bank/service provider’s website.
  On the web page, you have to signify the date on which you want your account to be debited and click the consent for the payment. You may even specify a particular account in case of multiple bank accounts.
• The authorized Bank will debit your bank account, consolidate the payments and send the consolidated amount to LIC in form of bankers’ cheque / payorder.
• The authorized service provider will send the instructions to the bank branch (as mentioned in your mandate form) through the RBI’s Electronic Clearance System and the bank will debit your account and credit the same to the service provider’s bank account, who’ll then remit the amount to LIC.
• Some service providers have autopay facility (where you can issue standing instructions to the service provider to debit your account as when the bill becomes payable), or phone-banking facility (where the you can issue telephonic payment instructions)
• How will the payment get accounted under the policy?
• All consolidated payments from the Banks/Service providers are received at LIC, Branch 883 (under Mumbai Divisional Office – I), Yogakshema (West Wing), Ground Floor, Nariman Point, Mumbai-400 021.
• Through batch processing in Internet module, premium transactions & renewal premium receipts are generated for each policy number.
• Renewal premium receipts for the same are printed and dispatched by ordinary post.
  Premium transactions pertaining to branches other than Branch 883 are sent to the respective servicing branch through the present network programs.
• All unadjusted premium collections are refunded to the Service provider/bank. Emails will be sent to the registered policyholders’ email-ids informing the status of the registrations/payments.
• What are the important points to be noted for availing this payment facility?
• Once registered for Premiums payments thru Net-Banking/Phone-Banking, you should avoid paying at cash counters, because there are many instances where payment for the same due-month is received twice.
  Since renewal premium receipts are dispatched to the postal address as per your policy records, please ensure that your policy records are updated with your current address.
  In case you have not received the renewal premium receipt, you may collect the premium paid certificate from the servicing branch of your policy. Duplicate receipts cannot be printed in any case.
• Since we have de-centralized database structure, the collections are not adjusted online, the transaction has to reach the destination servicing branch of your policy for updation of the policy status. Hence there is short time-lag between the date of debit in your bank account and the date when the policy reflects the updated status.

LIC's Premium Payment through Alternative Channels

• To pay your premiums through Internet, choose among any of the following service providers:

Authorised Banks:-
HDFC Bank
ICICI Bank
Bank of Punjab
UTI Bank
Federal Bank
Corporation Bank
Citibank

• Authorised Service Providers (available only in select cities) :-
  BillJunction.com
  BillDesk.com
  Premium Payment through Electronic Clearing Service (ECS)Electronic Clearance Service of Reserve Bank of India is a well established, quick, reliable and economic processing for periodic bill payments. LIC is happy to offer this facility to its valued customer totally FREE for payment of premiums. Presently, this system of premium payment is provided at Mumbai , Chennai, Delhi , Kolkata, Bangalore, Kanpur, Vijaywada, Patna, Jaipur, Chandigarh, Thiruvananthapuram and Hyderabad ECS only. The policyholders having accounts in the banks in these cites , which are members of clearing house can avail of this facility for all policies irrespective of the LIC branch to which these policies are attached for servicing. This would be gradually extended to other ECS centers and the information would be made available on our web site.
• I) Benefits to the policyholders :
  This is a free service to our policyholders.
  This will save their time in visiting LIC Office to pay the premiums.
  This will save their cost and effort in sending across the premium payments to LIC through postal/courier service/ through their representatives.
  This easy and automatic method of premium payment will keep the insurance protection intact and the chances of lapse of the policy will be eliminated.
  The one time standing instructions in the form of a Mandate is sufficient to pay the future premiums as and when they fall due.
  This facility of easy premium payment can be availed of not only in respect of the policies of self but also on the policies effected on the lives of the close relatives like spouse and dependent children (i.e.) the relatives on whom policies the policyholder can claim I.T. relief for the payment of premiums.

• II) The procedure for availing of the service and the processes involved :
  In order to avail of this service, the policyholders should have their Bank Account in an ECS Centre and the Bank should be member of the Clearing House.
  Policyholder should fill up the ECS Mandate Form and get it verified and certified by the Bank where the Bank Account is maintained.
  The Mandate Form should be sent to the nearest LIC Branch Office or to the Manager (CRM) of the Divisional Office with a photocopy or a cancelled leaf of the MICR cheque for further processing.
• As and when the premium becomes due, LIC will raise a debit to the Account of the policyholder through the ECS process and collect the proceeds.
  The debit will be raised on the date indicated by the policyholder which should be between one month in advance of and the grace period allowed for in paying the due premium.
• It is understood that on the due date of debit, the specified Bank Account will have sufficient balance to cover the premium dues, otherwise it will be treated as a case of cheque dishonour and the policyholder would be informed accordingly.
• The first transaction after the authorisation may take one month time in getting through the process commenced.
  LIC will send the policyholders its official receipt by post after realising the premium amount from the respective Bank A/c.
  Policyholders desirous of availing of this service may download the ECS Mandate Form given below.
• Click here to download ECS Mandate Forms (PDF format) Claim forms are in PDF format. Adobe® Acrobat® Reader® is a free software that lets you view and print Adobe Portable Document Format(PDF) files.
• Click here to download Adobe® Acrobat® Reader®

-----LIC’s Online Premium Payment Procedure-----

• Online Payment Gateway is LIC’s initiative to provide you with on demand service within a few clicks! You can now have many of the functionalities that were available only at a branch office, online at your fingertips.
• The payment gateway (PG) initiative is an important component of the offer. It provides for real-time payment of renewal premium-dues through the portal. This functionality is available only to registered customers who have enrolled their policies.
• You can pay LIC premiums using Net Banking accounts with any of the following banks:
  Bank of India
  Union Bank of India
  Punjab National Bank
  State Bank of India
  State Bank of Indore
  HDFC Bank
  ICICI Bank
  Axis Bank
  Citibank
  IDBI Bank
  Centurion Bank of Punjab (erstwhile Centurion Bank)
  Centurion Bank of Punjab (erstwhile Bank of Punjab)
  IndusInd Bank
  ABN AMRO Bank
  Kotak Bank
  Bank of Baroda
  Bank of Baroda - Retail NetBanking
  Bank of Baroda - Corporate NetBanking
  State Bank of Patiala
  State Bank of Bikaner & Jaipur
  State Bank of Travancore
• This facility is available for all non-ULIP policies.Credit card payments are not accepted under this payment facility.
• Here’s a simple step-by-step guide on how you can go about using this facility:
  Once you have enrolled your policy(s), you can click on the link ‘Pay Premium Online’ to see a list of policies whose premium is due.
• You have a choice to select the policies for which you want to pay premium.
• You will be directed to a page where you can choose from multiple banks for payment and will be directed to the login page of the selected bank. It is essential that you have a net banking account with at least one of these banks.
• At the bank site you will need to login with your net banking username/password. On successful login, the total amount to be paid by you towards LIC will be displayed.
  Please verify your balance (displayed) and confirm the transaction to the bank. Simultaneously successful/unsuccessful transaction message will be flashed.
• On successful transaction, a digitally signed e-receipt will be generated and e-mailed to you. In case of an unsuccessful transaction you will be informed and the reason thereof.
  For detailed documentation on how to verify the digital signature on the e-receipt,
  Benefits
• There is no further registration involved at the service provider end.
• There is no time lag from the date of payment to obtaining receipts.
• It is also a secure arrangement, as the policy data is not shared between LIC and Banks over net as only the amount to be paid is encrypted and transported. The login ID at both the sites (LIC and Bank) is known only to you.
• Above all there is no charge for you to avail this service.

LIC's New health_plus

Hi
Here is the link for LIC's New health_plus
http://www.licindia.com/images/health_plus_brochure.pdf
For Processing:
Please Call:09849212164
Venkatram

-----Some benifits of Sales career-----

• Unlimited earning potential
• A clear career path
• All round support through exclusive advertising
• Your own in-house consultant
• World-class training

--Some Requirements of good Salesmen--

• You are outgoing and like meeting people
• You are ambitious to own a business
• You only want your clients to be your bosses
• You want to decide your working hours

---Some Of the Qualities of good salesman----

• Self-motivation
• A master communicator
• A go-getter
• A graduate

----A beautiful story----

Let Go - The Ego

• There was once a learned scientist after a lot of practice and efforts developed a formula and learned the art of reproducing himself. He did it so perfectly that it was impossible to tell the reproduction from the original. Thus was successsful in his formula.
• One day while doing his research realized that the Angel of Death was searching for him. In order to remain immortal he reproduced a dozen copies of himself. The reproduction was so meticulous that all of them looked exactly like him. Now when this Angel of death came down, he was at a loss to know which of the thirteen before him was the original scientist, and confused, he left them all alone and returned back to heaven.
• But, not for long, for being an expert in human nature, the Angel came up with a clever idea. He said to the scientist addressing all thirteen of them, “Sir, you must be a genius to have succeeded in making such perfect reproduction formula of yourself. However, I have discovered a flaw in your work, just one tiny little flaw.”
• The scientist immediately jumped out and shouted, “Impossible! Where is the flaw?” “Right here” said the Angel, as he picked up the scientist from among the reproductions and carried him off.
• The whole purpose of the scientist and his formula of reproduction failed as he could not control his pride and lost his life.

----> So check out friends, while your Knowledge and Skills takes you to the top of the ladder and make you successful, but the three letter word “EGO” will pull you down immediately. Let go your Ego.
Now, Let us ponder on some of our Ego too?
Do I have it?
What is it about?
Why do I have it?
What purpose does it solve?
Whom does or will it affect?
What consequence can it have within your organization/ team/colleagues?
What consequence can it have within your family and its members?
How will your relationship get affected because of it?
Do I know people or situations or events where people have fallen because of their ego? What can I learn from it?
How can I overcome it?
What do I need to do to “Let go – The Ego”?

----Health-Plus_brochure----

Hi

Here is the link for LIC's New health_plus

http://www.licindia.com/images/health_plus_brochure.pdf

For Processing:

Please Call:

09849212164

Venkatram

Venkateswara Reddy's Marriage invitation

Hi..
(Kindly treat this is as a personal invitation)
With blessings of God and along with the Good wishes of my family and friends...I cordially invite you to make my moments of happiness memorable with your gracious presence on the occasion of my wedding with..
...........LAKSHMI BALAJI............
on Feb 28th, 2008 at 08.16 PM
Occasions are occasional but your presence will be special during my wedding.
No excuses..No reasons... Request your presence and blessings at the ceremony on this auspicious occasion.

Venue :

Vasavi Kanyaka Parameswari Kalyana Mandapam,

Vidyadhara Puram ,

Vijayawada.

Warm Regards
Venkateswara Reddy .B
9866543260
08673-259467 (My Village)

health_plus_brochure

Hi
This is the link for LIC's New health_plus

http://www.licindia.com/images/health_plus_brochure.pdf

For Processing:
Please Call:09849212164
Venkatram

Registration for Customer Services of LIC of India

Link for Customer Services Registration

http://www.licindia.com/registration.htm

-------Updated NAV---------

NAV'S AS ON DATE01.02.2008
EFFECTIVE FOR01.02.2008

BASIC UNIT VALUE
NAV AS ON DATE
REPURCHASE VALUE
SALE VALUE


BIMA PLUS (140)
DATE OF LAUNCH12.02.2001

SECURED FUND
10
24.2614
23.0483
24.2614
BALANCED FUND
10
31.0001
29.4501
31.0001
RISK FUND
10
43.1187
40.9628
43.1187


FUTURE PLUS (172)
DATE OF LAUNCH04.03.2005

BOND FUND
10
11.6896
11.6896
11.6896
INCOME FUND
10
13.8021
13.8021
13.8021
BALANCED FUND
10
14.4389
14.4389
14.4389
GROWTH FUND
10
18.0101
18.0101
18.0101





JEEVAN PLUS (173)
DATE OF LAUNCH18.10.2005
BOND FUND
10
10.8651
10.8651
10.8651
SECURED FUND
10
12.2571
12.2571
12.2571
BALANCED FUND
10
12.5430
12.5430
12.5430
GROWTH FUND
10
17.1658
17.1658
17.1658


MONEY PLUS (180)
DATE OF LAUNCH20.12.2006

BOND FUND
10
10.8558
10.8558
10.8558
SECURED FUND
10
11.2332
11.2332
11.2332
BALANCED FUND
10
11.0208
11.0208
11.0208
GROWTH FUND
10
11.1350
11.1350
11.1350


MARKET PLUS (181)
DATE OF LAUNCH05.07.2006

BOND FUND
10
11.7247
11.7247
11.7247
SECURED FUND
10
11.9090
11.9090
11.9090
BALANCED FUND
10
12.1473
12.1473
12.1473
GROWTH FUND
10
12.8072
12.8072
12.8072

FORTUNE PLUS (187)
DATE OF LAUNCH23.08.2007
BOND FUND
10
10.3789
10.3789
10.3789
SECURED FUND
10
10.4060
10.4060
10.4060
BALANCED FUND
10
10.3000
10.3000
10.3000
GROWTH FUND
10
10.2740
10.2740
10.2740


PROFIT PLUS (188)
DATE OF LAUNCH23.08.2007
BOND FUND
10
10.4240
10.4240
10.4240
SECURED FUND
10
9.7555
9.7555
9.7555
BALANCED FUND
10
9.9847
9.9847
9.9847
GROWTH FUND
10
10.2375
10.2375
10.2375

GRATUITY PLUS
DATE OF LAUNCH22.06.2006
BOND FUND
10
10.8275
10.8275
10.8275
SECURED FUND
10
11.4387
11.4387
11.4387
BALANCED FUND
10
11.1969
11.1969
11.1969
GROWTH FUND
10
11.1620
11.1620
11.1620
# Subject to Market risk ; Not guaranteed
# Past performance may not indicate future performance

Time Table for Licentiate Exam :

Subject Code
Subject
Branch
Exam Date
Exam Time

01
Principles of Insurance
Life, Non-Life
04-May-2008
9:30 AM-12:30 PM

02
Practice of Life Assurance
Life
04-May-2008
2:00 PM-05:00 PM

11
Practice of General Insurance
Non Life
04-May-2008
2:00 PM - 5:00 PM

12
Insurance Business Environment
Life, Non Life
11-May-2008
9:30 AM - 12:30 PM