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1 OF / FOR / BY INSURANCE FIELD WORKERS, TIRUNELVELI DIVISION (For private Circulation only) March 2011 úr Vl ùtôõfùnvxô[ u ùyt±l ùtúªrøm úyl Y LôhPÛm AuTôokR úrôzolú[, LPkR X LôXUôL, ϱlTôL LPkR BßUôR LôXj p SUÕ ØLYoLs, Y[of A Lô Ls, Tô RôWoLs Utßm Gp.I. «u SXuLû[l TôÕLôdL úr Vd áhpûul GÓjÕYÚm ØVt Lû[Ùm, SPj YÚm útôwôhpelû[ùm Sôm AûPkR ùyt±lû[ùm CfùNn CRr êxuôll T okõùlôsy p ªdL U rf AûP ú\u. BÙs LôlÀhÓj Õû\ûV JhÓùUôjRUôL Tô dld á V TX SPY dûllû[ Uj V AWÑ GÓjÕs[Õ. CuãWuv NhPm 1938, I.Bo..H. NhPm, Gp.I.. NhPm 1956 B V NhPeL p ÚjRm úutùlôs[ AWÑ ØVt ùnnõ YÚ \Õ. Sôm TX TôWôÞUu\ Eßl ]olþdï A jr UàdLs êxuôlüm, TX UhPeL p ùrôpokr AÝjReLs Utßm WfNôWeLs êxm SpX TXû] AûPkÕsú[ôm. Gp.I.. NhPj ÚjRjûR BnÜ ùnnõ TôWôÞUu\ ûxd ÏÝ Gp.I.. Tô RôWÚdÏ AWÑ YZeÏm Ej WYôRjûRj ùrôpwüm, Gp.I..ûV ùtôõjõû\ ßY]UôLl TôÕLôdLÜm, Gp.I.. êxr]jûr 5 úlô «ÚkÕ 100 úlô VôL EVojÕm ùnxûy AWúN Htßd ùlôs[ úyióm G]Üm T kõûw ùnnõs[õ. CuãWuv NhPeLs ( ÚjRm) UúNôRô 2008 m TôWôÞUu\ ûxdïý u NôWûQ«p Es[Õ. CdÏÝ u AûZlûT Htß 2010 SYmTo 1m úr úr Vl ùtôõfùnvxô[úm p CÚl f ùnvxô[úm CdÏÝ Øu B_Wô SUÕ LÚjÕdLû[j ùr jõsú[ôm. CÕ Ï±jR TWeLs ûxdïý Ru NôWûQûV Ø jrüpu ùy «PlTÓm. "Ù l' NmTkRUôL "ùn ' AûUl dïm I.Bo..H.ÜdÏm CûP«p SPkR ÙjRjûR AWÑ JÚ AYNWf NhPj u êxm Ø ÜdÏ ùlôió YkÕs[Õ. "Ù l' Øû\Lû[ I.Bo..H. LÓûUVôd Ùs[Õ. CÕ "Ù l' ùrôpotô] úr Vd áhpûul u LÚjÕdLÞdÏ YÛf únoltrôl Es[Õ. CûRj ùrôpokõ Gp.I.. oyôlm Variable Insurance Product (VIP) G] A±VlTÓm ÕYûLl Tô Lû[ (ÀUô AdLÜih) A±ØLm ùnnõs[õ. úuûm Y[of A Lô LÞdLô] Credit Id Ïû\dÏm TôûR«p ùrôpokõ ùnp \Õ. Sôm NôRôWQUô], YZdLUô] Tô Lû[ ØÝ credit EPu A±ØLlTÓjRd úlhód ùlôiúp«úd ú\ôm. úrôzolú[, vyìl Lªh Utßm CuãWuv NhPj ÚjR BTjÕLs SmûU hó XL pûx. Sôm ùrôpokõ AWÑ A Lô LÞPàm, TôWôÞUu\ Eßl ]olþpàm ùrôpo p Esú[ôm. ØLYoLÞdLô] "BuûXu' úroüls ϱjÕm, R²Vôo ßY] ØLYoLs Gp.I.. ØLYWôL YÚYRtÏ Es[ dlplû[d Lû[YÕ Ï±jÕm I.Bo..H. ÜPu ùrôpokõ útôwô YÚ ú\ôm. ØLYoLs Ïû\kRThNm 20 Tô Ls Utßm 1,50,000 ªVm ùlôióyw úyióm Gu\

2 Øû\ûV SUÕ G olûtj ùrôpokõ I.Bo..H. ûl h Úd \Õ. G²àm RtúTôûRV 'Persistency' Øû\ ØLYo SXuLÞdÏ G Wô]ûYVôL Es[]. Gp.I. «u ØLYoL u, Y[of A Lô L u SXuLÞdÏ G WôL CÚdÏm Cq Øû\Lû[ G ojõl útôwôp úyi Ùs[Õ. CuãWuv ßY]eLs ReLs T Lû[ ùy lt VôdLm (Outsourcing) ùnnyõ ùrôpotô] Øû\Lû[ I.Bo..H. A± jõs[õ. CÕ NmTkRUô] SUÕ Ñt\±dûLûVl T j ÚlÀoLs Guß Sm ú\u. JÚ CuãWuv ßY]j u T Lû[ A Ød VUô]ûY (Core activities), A L Ød VjÕYªpXôRûY (Non-Core activities) G] jõ Øû\Ls YÏdLlThÓs[]. ØLYoLs, F VoLs Utßm Ae L lthp ßY]eLs êxuôl ªVm Yãp ùnnyrtï Øû\Ls YÏdLlThÓs[]. Cq Øû\L[ôp ØLYoLÞdLô] 'Premium Point' Utßm 'SBA' AÛYXL ªVm Yãp B VûY Tô dlltóm. ØLYoLs ReLs Tô dlô] ªVm Utßm ØLYo CpXôR B]ôp ϱl hp Tô LÞdLô] ªVm UhÓúU Yã dl Ø Ùm. ùy lt VôdL SPY dûll p F VoLs DÓTPdáPôÕ Gu\ Øû\ SBAdLû[ Tô ltõpu, úr Vd áhpûul u CÕ ùrôpotô] ûxltôh û] VôVlTÓj, YÛlTÓj Ùs[Õ. Gp.I.. ÅhÓYN ßY] FZp Utßm A Lô Ls ûlõ SUdÏ L[j p ªLlùT V únôrû]vôïm. Gp.I.. Cl Wf û]l[ôp L[eLlTPôÕ G] Sm úyôm. Gp.I.. ûvd L[eLlTÓjÕúYôo GYWô«àm LÓûUVôLj Ri dlltp úyióm Gu\ SUÕ ûxltôh û] ÁiÓm JÚØû\ Eß ùnnúyôm. goô] à «Xô] RuûU CpXôR, YûWØû\Vt\ ÕY Ll útôh Ls FZÛdÏ Y YÏdÏm G] ÁiÓm JÚØû\ GfN d ú\ôm _øûx 19 ØRp 22 YûW oyôljõpu SûPùTt\ útfñyôojûrl p Sôm 16 úto TeúLtú\ôm. SUÕ úlô dûl NôN]jûR (Charter of Demands) Y Ùßj LÓûUVôL útôwô ú]ôm. Cß VôL AdúPôTo 8m úr F V EVoÜ 2007 BLvh 1 ØRp G] ØuúR «hó AUpTÓjRlThPÕ. F V EVo p Sôm AûPk ÚdÏm TXuLû[d LQd hpôp SUÕ úlô dûl NôN]j p Sôm ØuûYjR 40% F V EVoÜdÏ ªL AÚ p YÚ \Õ. F V EVoÜ U rf ûvj Rk Úd \Õ GuTÕ EeLs SPY dûll ÚkÕ ùr YôLl \Õ. SpX A[ Xô] UôR F Vm SUdÏ Ød VUô]Õ. SUÕ TôÕLôlûT, Knî VjûR Eß ùnn \Õ GuT p Sôm Eß VôL Esú[ôm. YWXôtßf \l YônkR F V EVo òpôl X Ød V WfNû]Lû[Ùm Ø ÜdÏd ùlôióykõsú[ôm. CI. II AkRv tïj RÏ Vô] F V Rm, PLLI (Cost Free), UÚjÕYl T (Cost, Bill Tax CpXôUp) Meal Coupon (Cost tax free) G] Ød Vl Wf û]lþdïj ¾oÜLû[ Gh Ùsú[ôm. G²àm Arrearsp 100% Cost free (RtúTôÕ 50%) Gu\ SUÕ úlô dûl ùrôpo \Õ. Meal CoupondÏ Log-in, Tô L u Gi dûl útôu\yt±p SUÕ Wf û] ùrôpo \Õ. Stagnation increment L u Gi dûl EVojRlThÓs[Õ. LTC, ÅhÓ YN d LPu, ÏÝ LôlÀÓ, Gratuity ùrôûl EVojRlThÓs[Õ. FCA EVojRlThÓs[Õ G²àm SUdÏj Úl LWUô] A[ÜdÏ CpûX. SUÕ úlô dûl 200 hpo ùthúwôp GuTÕ ùrôpo \Õ. CfNôRû]Lû[ ùyuù\ódlüm, ÁRØs[ úlô dûllû[ ùyt±lwuôl Ø dlüm EßÕûQVôL Es[ SUÕ Eßl ]ols Utßm Aû]jÕ UhPeL ÛØs[ RûXYoLû[l TôWôhÓ ú\u. Aû]jÕ ùrô tneld áhódïýüm SUÕ JtßûUÙm SpX F V EVoûYl ùttßjrkõs[õ. úrûyvt\ YRk Lû[l TWl Rp, vrôt] Ø ÜLs, Y LôhÓRpLÞdÏd LhÓlTPôûU, oyôlj u jrôþm ãrf, p ØmûT NúXô p Lôh V JtßûUûV ÏûXdÏm oyôlj u ØVt Ls G]d LÓûUVô] únôrû]lû[f Nk jõ áhpûul Ái Úd \Õ. YônûUúV GlùTôÝÕm ùypûm _øûx 21m úr Uj V AÛYXLj p Gp.I.. RûXYo Ú T.S. _Vu, Gm.., D.., (UôodùLh e) Utßm ùnvxô[o (UôodùLh e) B úvôúpu útfñ SPj ú]ôm. Y[of A Lô Ls Gp.I. dï YZeÏm JjÕûZl tï RûXYo Su± ùr jrôo. AúR úswj p CuùNu q útô]v Ïû\dLlTP úyióm Gußm á±]ôo. ""Y Lm EVÚmúTôÕ IB «u A[Üm EVWúYiÓm Guß G otôodldápôõ. A L Y Lm ùnnõ AúR A[Ü IB ûv RdLûYjÕdùLôs[ ØVt ùnnv úyióm'' Gu\ôo. CÕRôu oyôlj tïm SUdÏm Es[ 2

3 LÚjÕ úyßtôó. Y Lj u A[ÜdÏ IB EVW pûx Gu\ôÛm áp, A L Y Lm ùnnv HtTÓm A L ùnxüls DÓLhPlTP úyióm GuTúR SUÕ ûx. úuûm ùnx ]elû[ ùnx ]els Y Yj úxúv DÓLhP úyióm GuTÕ SUÕ CWiPôYÕ úlô dûl. Utù\ôÚ LÚjÕ Ã Vô] úyßtôó Gu]ùY²p A L LôXm B] ØLYoLÞdÏ Y[of A Lô L u ER úrûy«pûx GuTÕ oyôlj u YôRm. B]ôp Sôm AkR útô dlújûr "AXôhùUih NoÏXo' êxuôl EûPj Úd ú\ôm. GOIB UßT ºXû] ϱjÕ oyôlm SÝYXôLúY CÚkÕ YÚ \Õ. Lªh AûUdLlThÓs[Õ A±dûL Cu]Øm YW pûx G] ùr dllthós[õ. Sôm GOIB- 2007u TôRLUô] AmNeLû[ ALt\d úlhïmútôõ, oyôlm AúR hpjûr AlT úv JÚ YÚPj tï h j Úd \Õ. Sôm NôRLUô] IB hpjûr ûwkõ Ø jõ Øu úr «hó YZeLd úlhósú[ôm. CÕ ùsúdl RWô hpôp oyôlm U VôÕ GuTRtÏ UtßùUôÚ GÓjÕdLôhÓ. AWÑ, Gm..dLs, ùrô tnelm êxm ùrôpof VôL ùsúdl ùlôódlúyi Ùs[Õ. Uôtß ttû] Øû\Lû[ (Alternate Channels) ßY LÓûUVôL ØVuß YÚm oyôlm AÕYûW SmªPm TNl LôXm LPjR ØVt d \Õ. B]ôp Y[of A Lô Lû[j R ojõ PÜm oyôljrôp Ø V pûx. "Ù l' Tô L u Årf Y[of A Lô L u úrûyûv ÁiÓùUôÚØû\ Eß ltój Ùs[Õ. Graded Credit Utßm 'Growth' úrûy Gu u\ Lû[ Uôt\d úlh ÚkúRôm. YôdL j ÚkR oyôlm úuôn ùnnõ h Úd \Õ. B]ôp SUÕ úlô dûllþdï YÛf únoltrtlôl úr Vd áhpûul u úlô dûllû[ û[ / úlôhp / UiPX úuxô[ol Pm Y ÙßjÕeLs. úuûm Uj V AÛYXL A Lô Ls úlôhpelþdï YÚmúTôÕ Nk jrôúxô, áhpel p Nk jrôúxô, EûWVôPp TWeLû[ DùU«p êxm úr Vl ùtôõfùnvxô[údïj ùr VlTÓjÕeLs. SUÕ ûxltôólû[ Eß ltój dùlôs[ CÕ ERÜm. Ut\T A X Ck V WfNû]Ls ϱjÕ Uj V AÛYXLm, UiPX úuxô[o, úlôhp úuxô[o útôuú\ôúdï EeLs ùnôkrd LÚjÕdLû[ GÝRô¾oLs _]Y 18m úr Gm. Ú..úL. ùuyúwôjwôûyf Nk júrôm. Special Rules , GOIB, MBG, CA A L jrp, ULIP Xôlv L jrp, Big Leap útôh T ÑLs, ÛûY«Ûs[ EOLLs, YûLùRôûLVt\ recruitment Aû]jÕ Tô LÞdÏm 100% credit útôu\ûy Yô dllthp]. úuûm Y[of A Lô Ls Portal ºWûUl, Tôvª ùuuùtôús, ØLYo ûlúvó útôu\ûyùm úyiplthp]. ØLYo A áhpj tlô] ùnxüútôp ØLYo VU]f ùnxülû[ DÓLhPÜm úlô dûl ûyjõsú[ôm. Y[of A Lô LÞdLô] YôL]d LPu Ñt\±dûL RVô l p Es[Õ. SBA NmTkRUôL, 'General Consent' úyióm Gu\ TkRû]ûV oyôlm ûl ÓYRôL CpûX. úuûm ùnx ]elû[ ùnx ]el[ôl DÓLhPÜm RVô pûx. G]úY ARu RtúTôûRV Y Yj p SUdÏ Ht pûx Gu\ Ø Ü ùrôpo \Õ. RtúTôÕ I.Bo..H. ùy «h ÚdÏm Outsourcing Øû\LÞm SBA ϱjR SUÕ ûxdï YÛf únod \Õ. EVo Y Lm ùnn u\, T l j RÏ ùlôip ØLYoLû[ úsw VôL ABM (S) BL T VUojÕYÕ Ï±jÕ oyôlm SmªPm LÚjÕ úlhpõ. ØÕ ûx ThPmùTt\ C[m Y[of A Lô Lû[ T WkRWm ùnnrüpu ABM (S) BL T EVoÜ ùlôódl Sôm BúXôNû] á±ú]ôm. NÁTj p úrokùródllthp 5000 ADOdL p 3800 úto UhÓúU T «p únokõs[]o. Y[of A Lô LÞdÏ úrûyvô] LhPûUl YN Lû[ Eß ùnnvüm, SSOdLû[ ØÝ û[l[ôl Uôt\Üm úlô Ùsú[ôm. CLIA hpjûr J dld úlhódùlôiósú[ôm. Cj hpm LôWQUôL TX ùyt±lwuô] ØLYoLû[ CZkÕsú[ôm. CLIA Spouse Agency ARoUUô]Õ UhÓUpX, Gp.I..«u YÚUô]jÕdÏ EûX ûydldá VÕUôÏm. CLIA ùrôpotôl Gp.I.. RûXYo, I.Bo..H. Utßm AWÑPu ùrôpo p Esú[ôm. hpj u ¾ûULs ϱjÕ ØLYoL ûpúv WfNôWm ùnnùels. I.Bo..H. Øû\ 8.5 SUÕ ûxdï BRWYôL Es[Õ. CLIA Cj hpjûr J ltrtï Aû]jÕ UhPeL Ûm ØVt Ls úutùlôsúyôm. Alternate Channels ùnnùm Øû\úLÓLû[ Sôm LÓûUVôL G od ú\ôm. ßY] ØLYoLs (Corporate Agents) MLM Tô «p Y Lm ùnn u\]o. CYoLÞdÏ G WôL I.Bo..H. SPY dûl GÓjÕYÚ \Õ. 3

4 Alternate Channels dïl T XôLd ùlôióywlthp SME úrôp ûvj RÝ Ùs[Õ. 95% Y Lm Y[of A Lô Ls ØLYoLs êxm YkRôÛm, Alternate Channels ûv oyôlm FdÏ jõ YÚ \Õ. Direct Marketing Øû\dÏ ùtúm [mtwøm BRWÜm YZeLlTÓ \Õ. IB NmTkRUô] útfñyôojûrl p Graded Credit- ûv J dlüm V BúXôNû]L[ôL ØLYo áhpelþdlô] ùnxüls, ØLYo VU]j p HtTÓm ùnxüls, ØLYo T«t ùnxüls, YôL] TWôU l, TÝÕTôojRp, úrnuô]m Utßm útôdïywjõdlô] ET ùnx ]els G] YÚUô] Y jrm YWôRYûL«p ùnx ]elû[ DÓLhPd úlhósú[ôm. Meal Coupon Log-in Utßm CCA Ød V WfNû]L[ôÏm. Meal Coupon `Vj p UôodùLh e Õû\ SUdÏ NôRLUôLÜm, P & IR SUdÏ G WôLÜm Es[Õ. Y[of A Lô Ls SLol \ ùrô pøû\ ØLYoLû[ VªdL AàU dlltp úyióm GuTÕ SUÕ ip Sôs úlô dûlvôïm. CCA hpm êxm AûR HtßdùLôiP oyôlm Credit 50% Guß á±ùs[õpu, ARtÏ Sôm NmURm Gu\ôp ùr dl úyióm Gußm TkRû] d \Õ. AûR Sôm Htßd ùlôió 50% credit dï NmURm Gu\ôp Graded Credit- p SUÕ YôRm TV]tßl útôn Óm. úuûm 50% Ut\ TX TÏ LÞdÏm ÜTÓjRlTÓm BTjÕm Es[Õ. G]úY SUÕ ûxvô] 50% dï NmURm ùlôóltõ ápôõ'' GuT p Uôt\ªpûX. úlôhpm Y[of A Lô LÞdÏ \kõ PlThÓs[Õ. A p Es[ WfNû]Lû[Ùm Lû[Vd úlhósú[ôm. FCA A L dllthós[õ. B]ôp FCA ûy Cost p CÚkÕ dl úyióm G] oyôlm SmØPu 2000m Bi p útôhp JlTkRjûR û\úyt\d úlhód ùlôi Úd ú\ôm. lwy 2011p ØLYo áhpj tï ER V ùnvûx YWúYt ú\ôm. B]ôp AkR Ñt\±dûL«u TX YôojûRLû[ G ojõsú[ôm. oyôlm Wf û]ls HÕm YWôUp TôojÕd ùlôsyrôl YônùUô EjRWYôRm RkÕs[Õ. ØuùUô ÜLÞdÏ J SLp ùlôódl úyióm Gu\ I.Bo..H. dï G WôL Sôm Uu\j p CûPdLôXj RûP EjRWÜ Yôe «ÚkúRôm. AkR YZdÏ ûw p NôWûQdÏ YW Es[Õ. CkRj RûP EjRW u êxm Gp.I. dï TX úlô ìtôn ªfNUô]Õ. B]ôp RtúTôÕ oyôlm I.Bo..H. ûy BR jõ Tp A j ÚlTRôLj ùr \Õ. úrôzolú[, 2004 ØRp Sôm TpúYß WfNû]Lû[f Nk jõ YÚ ú\ôm. TX Uôt\eLû[ HtTÓj Ùsú[ôm. Eß Vô] Eßl ]ol[ôxô] SUÕ NeLjûR ùtôú[ôrôw à VôLÜm YÛYô]RôL BdL úyi Ùs[Õ. G olôx NYôpLû[f Nk dl Sôm NeLjûRÙm Eßl ]olû[ùm RVôo TÓjR úyióm. YÛYô] ùtôú[ôrôw A jr[jûr EÚYôdL úyióm. Ïû\kRThNm 25 úlô ìtôn SUdÏ ûyl «p CÚdLúYiÓm. YÚeLôXj p SUÕ útôwôhpel u RuûU UôßThPRôL CÚdÏm. G]úY "F V EVoÜ ùx ' Aû]YÚm YZeLd úlhód ùlôs ú\u. úrôzolú[, áhpûul dï G Wô] WfNôWeLû[, RY\ô] RLYpLû[, YRk Lû[ LÓûUVôLd Li ÙeLs. áhpûul ÚkÕ YÚm A LôWléoYUô] RLYpLû[ UhÓúU Sm els, uttßels. úr Vd áhpûul u áhpel p UhÓúU GkRl Wf û]ûvùm GÝl els; ¾oÜ LôÔeLs. JqùYôÚ Eßl ]Úm ùtôßltô] RûXYWôLf ùnvptóels. EeLs Rôn vrôt]jûr ÅrjR ØVt dïm oyôlj u ãrf dïj ÕûQúTôLô¾oLs. Aû]YÚm JußThÓ áhpûul û]ùm. Gp.I.. ûvùm Y[of A Lô Ls SXuLû[Ùm TôÕLôlúTôm. Sôm TX ÙjReLû[ SPj Ùsú[ôm, TX L[eL p ùyt±yôûl ã Ùsú[ôm. QdÏLû[ KÕd ûyjõ Øuú]t\l TôûR«p A ùvójõ WLôNUô] ùyt±dï T dltls BúYôm. SUÕ útôwôhp dlôl, TôÕLôl tlôl, Li Vj tlôl, U VôûRdLôL... YÛYôL, Eß VôL, ûr VUôL SûP útôóúyôm. ùyt± SUúR! úr Vd áhpûul KeÏL! "If you win, you need not have to explain... If you lose, you should not be there to explain"...adolf Hitler. Bo. ù_vl WLôx úr V ùtôõfùnvxô[o. ùtôuùuô Ls ùrôïl - Com.P. ÑÏUôo, çjõdï û[ 4

5 A. ÀhPo CÚRV Wôw, úlôhp ÕûQj RûXYo NFIFWI BojÕ GÝm BolTôhPeLÞdÏ Øu APdÏØû\Ls A L Sôs RôdÏ dlôõ GuTÕ Cuß úst\px, U²R ÏX YWXôt±p Gußm ûxjõ CÚdÏm Uô\ôR úlôhtôpôïm. úlô d ûlls únokõ hpôp úlô dûlls û\úyßm GuTÕ YWXôt±u ÑYÓL ÚkÕ U²RoLs kõ ùlôsþm EiûU. CÕ útôu\ JÚ N j Wj u ùrôpo TdLeL[ôn Cuß SUÕ áhpûul m ARu Eßl ]ol[ôn SôØm CÚlTÕ UôùTÚm \l d Ï VÕ. AkR N j WjûR EeLú[ôÓ T okõ ùlôsyõ GuTûR CkR LôXj u LhPôVUôL ùlôs ú\u. Sôm LPkÕ YkR TôûRûV \ltôl ùr kõ ùlôsyõ Sôû[V SUÕ jr TVQj ÕdÏ ùy fnm RÚY RôL CÚdÏm. Ck V UdL u ùtôú[ôrôwjûrùm YôrYôRôWjûRÙm ÑWi dùlôi ÚkR 250 R²Vôo CuxëWuv ßY]eLû[ úrn EPûU Bd V Sôs 18 _]Y ARu F VoLû[ Gq Rm ûlvô[ útô \ôols GuTÕ Ï±jÕ Uôi ªÏ Uj V AûUfNo úrxød AYoLs YWXôtß \l ªdL R]Õ EûW«p CqYôß áß \ôo. "I hereby assure the staff both Office and Field, that they would be absorbed in the Nationalized industry and will be treated fairly and squarely" B]ôp Aû]jÕ ûxlt Vô[ÚdÏm CkRl útß YôndL pûx. 19-m úr «ÚkÕ R]Õ T ûv ÕYd V CRtLô] \l ÏÝ 31 BLvh 1956 YûW GpXô ßY]eLû[Ùm Ju±ûQjÕ ùnlpmto 1-m úr Ck V BÙs LôlÀhÓ LZLjûR EÚYôd VÕ. BLvh UôRm Aû]jÕ R²Vôo ßY] T Vô[oLû[Ùm AkRkR TÏ AÛYXLeL p B_o BLf ùnôu]õ. A p áp LûP VôLj Rôu L[lT Vô[oLû[ ùrôpo ùlôip]o. A Ûm ªLlùT V únôlm TX T ûxl p T Vôt±V L[lT Vô[oLs 'Field Inspectors' Gu\ JúW TR «p T VUojRlThP]o. B]ôp oyôl T Vô[oLú[ô AYoLs Y jõ YkR T dï CûQVôL T VUojRlThP]o. ÑUôo 5300 L[lT Vô[oLs TpúYß R²Vôo ßY]eL ÚkÕ YkÕ T VUokR ãr ûx«p Gp.I.. oyôlm Aû]YÚdÏm JúW Uô Vô] NmT[ Rm oq«dl UßjRÕ. CYo LÞdùLuß R²úV 'Classification Formula' A± jrõ. CÕúY L[lT Vô[oLÞdÏ G WôL H Pl ThP ØRp BÙRm. 01/09/1956 ØRp 30/ 09/1957 Gu\ LôX LhPm oq«jõ Y LØm oq«d LlThPÕ. Y L XYWjÕdÏ HtT 125/10/175/15/250/20/350/25/ 500 Gu\ Th V p NmT[m ùt\ YûL ùnnvlthpõ. JÚ L[lT Vô[o JÚ Ï±l hp A[Ü Y Lm N VôL ùnnõ Ø jrôp ì 125 A ltûp NmT[m. áórp ùnnryúdï úutt NmT[l Th V p Es[ HRôYÕ JÚ A L ûx«p NmT[m ùt\ YûL HtTÓm. HúRô LôWQjRôp Y Lm û\ü ùnnv RY±]ôp T dlm ùnnvüm ùnnrôols. CÕúY R²Vôo ßY]eL ÚkÕ Gp.I. dï YkR L[lT Vô[oL u ûx. LmlëhPoLú[ô, N Vô] LQdÏ YZdÏLú[ô CpXôR ãr ûxùm Gp.I..«u A Lô Ls L[lT Vô[oLû[ ReL[Õ ÑV ÚlTjÕdÏ CQeL T WkRWm ApXÕ A L NmT[m ApXÕ úyûx CZl G] GûRÙm ùnnv RûXlTÓm ãr ûxùm X VÕ. ùr VôR Y L CXdÏ, L ]Uô] úyûxf ãzp, 3 UôR úsôh¼v êxm úyûx CZdÏm ATôVm. 5

6 R²Vôo LmùT²Ls L[lT Vô[oLû[ ùtô Lôû[Lû[l útôp TVuTÓj YkR]o. U]m útô] útôd p BhLû[ T dlm ùnnùm útôdûl LûP jr]o. UôRô UôRm NmT[m ùtßyõ áp fnvªpxôr ûx CÚkÕ YkRÕ. JqùYôÚ UôRØm JqùYôÚ LmùT² Gu\ fnvut\ ãzp. CkR ûx«p úr VUVUôdLp ReLÞdÏ ªL ùt V ûyj RÚm Guß L[lT Vô[oLs G otôojrõ CVtûLVô]Õ. G otôol LÞPàm Sm dûlùpàm YkR L[lT Vô[oLÞdÏ ªg VÕ HUôt\m Rôu. CkR ú]ôr ãr ûx L[lT Vô[oLs Juß W[ úyi V LhPôVj û] HtTÓj ùlôójrõ. ùtelðú: L[lT Vô[oLs Juß WiPÕ ØR p CeÏRôu. SLWl TÏ «ÚkÕ 200 útúm FWLl TÏ «ÚkÕ 50 útúm G] 250 úto ùlôip Eßl ]olú[ ØR p ùtelðú, LlTu Tôod TÏ «p ùrôpokõ Nk jõd ùlôip]o. CÕúY Life Insurance Salaried Field Workers Association Gu\ AûUl EÚYôL LôWQUôn AûUkRÕ. TX úrôzols RûXûUúVt\]o. TX Wf û]lþdï oyôljõpu út ¾oÜ LiP]o. TX UàdLs ÏlûT áûplþdï ùnpyõ ùr kõm ØVt ûv ûl PôUp útôwô V Rm Eßl ]olþdï UôùTÚm VXôn AûUkRÕPu Sm dûlùm Fh VÕ. CÕúTôu\ LrÜLs A X Ck Vô Ûm TWY ÕYe V CkR úswj p A X Ck V A[ p áhpûulût Ju±ûQdÏm ULjRô] T ûv ùtelðú úrôzols BWm jr]o. 17 _]Y 1957 : U²R ÏX YWXôt±p TX SôhLs TXÚdÏm U\dL Ø VôR SôhL[ôn CÚdLXôm. X SôsLs N j Wj p CPm j ÚdLXôm. AÕ útôu\ùrôú ÚSôs CkSôs. Ck Vô u TX TÏ L ÚkÕm, útôdïywjõm, ùrôûx ùrôpo m Y[ok WôR AkR ãz Ûm, úrôzols Juß á National Federation of Insurance Field Workers of India Gu \ CkR AûUlûT SUdLôL, L[lT Vô[oLÞdLôL EÚYôd V ùtôu]ôs. 17, 18, 19 _]Y 1957-p á V CkR UôSôhûP ÕYd ûyjryo Auû\V ûuão AW u AûUfNWôL TR Y jr Ú. T. Uô VlTô. SUÕ RûXYo úrôzo S.W. Lôp h EhTP TX úrôzols LXkÕùLôi ÚkR]o. ûarwôtôj : CkR SL p Rôu ØRp úrorp SûPùTt\Õm, ØRp úr V ùnvtïý EÚYô]Õm. ØRp ùtôßltô[ols ÏÝ : RûXYo : Ú. G.S. ûyx. A X Ck V ùtôõfùnvxô[o úrôzo Ú. W ùnu. û^ëpv, TôTiQô, Wôú_k Wu, A]kR ÚxQô B úvôo ùtelðú W Ls. RûXûU ARu u SUÕ oyôljõpàm X RÚQeL p Ck V AWÑPàm, Øu]ôs TôWR WRUo _YaoXôp úsúüpàm áp TVàs[ útfñ YôojûRLû[ SPj VÕ. ú] : CkR SLWj p 1962 Bm BiÓ áhpj p Rôu úrôzo Õ[ útôpô AYoLs úr V RûXYWôLÜm úrôzo S.V. Lôp h AYoLs úr V ùtôõ ùnvxô[wôlüm úrokùródllthp]o. A ÚkÕ oyôljõpu útfñl u êxøm útôwôhpel u êxøm TX Wf û]lþdï ¾oÜ LôQlThPÕ. RûXYoL u Ru]XUt\ T HWô[m L[lT Vô[oLû[ NeL T «p DÓTP ùnnrõ BLUE ORDER: R]Õ JÚ YÚP AàTYj u êxm HtL]úY ùnnõ ûyj ÚkR Classification Formula êxm L[lT Vô[ u T ûxlû[ (Service Condition) YûWVßjÕ Gp.I.. oyôlm 30/12/1957 Auß AWÑ CR p (Gazette) ùy «hpõ. ARu AfÑ YiQm Xm. B]ôp ARu Es[PdLúUô oyôlj u LÚl Es[jûRd LôhÓYRôL CÚkRÕ. AÕ êuß Ød V NWjÕdLû[ ùlôi ÚkRÕ. 1. GpXô F VoLÞdÏm YZeLlTÓm YÚPôkRW F V EVoÜ (Increment) L[lT Vô[ÚdÏ UhÓm TkRû]dÏ EhTÓjRlThPÕ. 2. Ïû\kR ThN Y Lm (ARôYÕ úuxô[o U] p û]jr Y Lm) V RYßm ThNj p, NmT[m Ïû\l ApXÕ ùyßm Show cause notice UhÓúU YZe T dlm ùnnv YûL ùnnyõ. 3. JÚ L[lT Vô[ûW T dlm ùnnv GkR LôWQØúU úrûy CpûX. RûXYo (Chairman) û]jrôp 3 UôR A± l p VôûW úyióuô]ôûm T dlm ùnnv YûL ùnnyõ. CkR JÚ NWjúR útôõm oyôlj u úlôw ØLjûR AûPVô[m LiÓ ùlôs[. CÕúY A X Ck V A[ p L[lT Vô[oLû[ JußTÓj V ØRp ùsúl. GjRû] ùuô út ]ôûm, GkR Uô XjRYWô«àm oyôlj u úlôw ØLm Cuàm Uô\ôRRôp AkR ùsúl m AûQV pûx. (útôwôhp YWXôß ùrôpúm...) " If you judge people, you have no time to love them. "...Mother Teresa 6

7 CuãWuv NhPj ÚjR UúNôRô, 2008 TôWôÞUu\ Lªh NôWûQ«p CÚdÏm CmUúNôRôûY ªL ûw p û\úyt\ CÚlTRôLj R]Õ Thù_h EûW«p VûUfNo Ú WQôl ØLo ùr jõs[ôo. CmUúNôRô ϱjR LÚjÕdLû[ YZeÏYRtÏ úr Vd áhpûulûtùm TôWôÞUu\d Lªh AûZj ÚkRÕ. SUÕ Nôo p SUÕ úrºvf ùnvxô[o Ú Bo. ù_vl WLôx Utßm p CÚl f ùnvxô[o B úvôo Lªh Øu B_Wô UúNôRô NmTkRUô] SUÕ LÚjÕdLû[j ùr jõs[]o. úuûm CuãWuv NhPm, 1938dÏ úwôruôl AfNhPm RûP ùnnõs[ " Vô' Øû\ûV Gp I AUpTÓj YÚYRtÏ G WôLl LôÚm ùr jõs[]o. CkR CuãWuv NhPj ÚjR UúNôRô u L[lT Vô[ûW, Tô RôWûWl Tô dïm X AmNeLs r YÚUôß: l CuãWuv Õû\«p úsw Au²V ØRÄÓ 26% ÚkÕ 49% BL EVoÜ l CuãWuv ØLYoLÞdLô] RÏ Lû[Ùm T l j RÏ Lû[Ùm (Eligibility and Qualifications) oq«dl I Bo ÜdÏ A LôWm A dlltó \Õ. l "Early Claim" LôXm 5 BiÓL[ôL EVo \Õ. l XiP²u "Xô«hv' ßY]m Ck Vô p LôlÀÓ Utßm UßLôlÀhÓj Õû\L p ÖûZV Y YÏd \Õ. l CuãWuv ßY]eLs V èr] Y L p êxr]m WhP AàU YZeLlTÓ \Õ. l ""CuãWuv CûPVô Ls'' (Insurance Intermediaries) Gu\ p CuãWuv ØLYoLû[Ùm Es[PdÏ \Õ. l "Assignment". 'Nomination' ÜL p Uôt\m YÚ \Õ. Sôª² Collector Sôª²', Beneficial Sôª²' G] CWiÓ YûLL[ôLl dlltó \Õ. l "Chief Agent", "Principal Agent", "Special Agent" Øû\ ÁiÓm EÚYô \Õ. l CuãWuv ßY]eLs 'Rural and Social Sector'p ϱl hp Y Lm ùnn ÚdL úyióm Gu\ Øû\ R²Vôo ßY]eLÞdÏ NôRLUôL 'Rural or Social Soctor' G] Uôt\lTÓ \Õ. l ØLYoLÞdLô] Lª`û]j ¾oUô²dÏm E ûu I Bo H ùtß \Õ. RtúTôÕ Lª`u ReLû[ CuãuWv NhPm, 1938 YûWVßd \Õ. l \l l ùtôú[ôrôw UiPXeLÞdÏ CuãWuv NhPeLs ùtôúkrôõ. l Tô RôWo TQjûR CuãWuv ßY]eLs ØRÄÓ ùnnyrtlô] Øû\Ls R[ojRlTÓ u\]. l CuãWuv ßY]eLs LhPûUl j Õû\L p (Infrastructure) ØRÄÓ ùnnv úyióm Gu\ Øû\Ls R[ojRlTÓ u\]. B]ôp CuãWuv Õû\«p R²VôûW AàU dl Auû\V VûUfNo Ú VxYkj uaô á±v LôWQeL p Juß LhPûUl j Õû\dÏ A L ØRÄÓ úrûyltó \Õ. AÕ CuãWuv ßY]eL PªÚkÕ ûpdïm GuTRôÏm. ÑÚdLUôLf ùnôpyrô]ôp, CfNhPm û\úyßmthnj p 1956dÏ Øu X V CuãWuv úr VUVUôdLlTP úyi V ãzp ÁiÓm YW A L LôXm úrûyltpôõ. Ïh dlûr úru JÚSôs ùrnyj Pm ùnôu]õ: ""EXLj úxúv ªLÜm C²ûUVô]Yu SôuRôu!'' ùrnym ùnôu]õ: ""Ntßl ùtôß... CkR Gv.Gm.Gvû^ Yô lty u C²ûUûV CÕYûW ùr VôRRôpRôu ClT f ùnôp \ôn...!'' : 'ùrnyøm XúYû[ ú_ôdl ltõ EiÓ.' þ úrôzo. AÚs Rm ú_ôuv, RdLûX û[ 7

8 Tô RdLûYlTRtLô] ùs±øû\ls Persistency Guidelines Tô Ls TX²ZlTûRj RÓlTÕ Gu\ ùtv p I Bo H X Øû\Lû[ A± jõs[õ. AYt±p Ød VUô]Ytû\ úz LôQXôm ØRp YûW«Xô] LôXLhPj p JÚ ØLYo ùnnr ùuôjr Y Lj p Tô Gi dûl Utßm ªVj p 50 % SPl p CÚdL úyióm. RYßm ThNj p ØLY u ûxnuv Õl dlltp UôhPÕ. Jtû\l ªVm Tô R W Ut\ Tô L u Lª`²p JÚ Ï±l hp ùrôûl jrm ùnnvlthó JÚ Ï±l hp LôXj tïl u AlTô SPl p CÚkRôp UhÓúU YZeLlTP úyióm. ØLYo CpXôR 'Orphan' Tô Lû[ CÚdÏm ØLYo YNm EP] VôL YZeLúYiÓm. CmØLYÚdÏ AlTô «u Lª`u ùrôûl«u 50% YZeLlTP úyióm. CuãWuv ßY] F VoL u E\ ]ols (LQYu/ Uû], NúLôRW NúLôR Ls, ùttú\ôo, UdLs, UÚUdLs útôuú\ôo) Ak ßY]j p ØLYWôLl T Vôt\j RûP. Aû]jÕ CuãWuv ßY]eLÞm ØLYoLÞdÏ Ïû\kRThN Y L CXdÏ oq«dl úyióm. ØLYoLs Ïû\kRThN Y Lm 20 Tô Ls Utßm ì 1,50,000 ØRt ªVm Ø j ÚkRôp UhÓúU ûxùnuv Õl dlltóm Gu\ Øû\ Es hp TX Øû\Ls úr Vd áhpûul u LÓm G olût AÓjÕ ûl PlThÓs[] GuTÕ Ï±l PjRdLÕ. úutt Øû\Ls Aû]jÕ CuãWuv ßY]eLÞdÏm ùtôúkõm G] A± j ÚkRôÛm, YZdLmúTôp Gp I UhÓúU, SUÕ ØLYoLs UhÓúU ªL A LUôL Tô dlltóyo. JÚ Tô SPl p CpXôUp TX²ZkÕ útôyrtï ØLYo UhÓúU ùtôßl Gu\ LiúQôhPj u A ltûp«p, SûPØû\ VRôojRm Tt±V GkRd LYûXÙm CpXôUp A± dllth ÚdÏm CkR Øû\Ls L[lT Vô[Wôp LÓûUVôL G odlltp úyióm. V A[ÜúLôp (ϱl : úl. WNôj, NFIFWI, úlôhpjrûxyo) T u Øû\ GuTÕ A[ PÛdÏ TVuTÓm T u UPeÏL[ôÏm. CkR Øû\ ØRuØR p Wôuv Sôh p 1791 ØRp SûPØû\l TÓjRlThPÕ. T lt VôL EX u \ SôÓL Ûm CkR Øû\ TVuTôh tï YkRÕ. Ck Vô p 1956 ØRp CkR Øû\ AUpTÓjRlThPÕ. ßjRp, ØLjRp, hpp Guß GpXô YûL A[ûYLÞm ùuh d Øû\dÏ T lt VôL Uôt\m ùnnvlthp]. V ùuh d A[ûY (Ck Vô p) 100 úlô - 1 G ëwltô 100 G ëwltô - 1 ùwh 100 ùwh - 1 Wô Vô 100 Wô Vô - 1 LpUô 100 LpUô - 1 WôNô (AÕRôu B... B...) 100 WôNô - 1 TYôo 100 TYôo - 1 LÚQô 100 LÚQô - 1 únô²vô (Su± : "CÕ ùt V GÝjÕ' UôRCRr) Never break four things in our life : Trust, Relation, Promise and Heart ; because when they break, they don't make noise but pains a lot!...charles Dickens 8

9 ùtôõfùnvxô[ u Sôhϱl Ø kr EC «ÚkÕ YÚm EC YûW Easy ApX SUÕ T... (Au j úrôzolú[, û]ülû[ AûN útôóyrtï SUdÏ úswm CpûX... AkR A[ÜdÏ úyûxltþ - LôX ùsúdl. G]úY SUÕ ùrô tnell ùtôßltô[ols JqùYôÚ û[ A[ Ûm, JqùYôÚ Eßl ]ÚdLôLÜm, ùnx hp EûZl m, ùnvttój V úrûylþm GlúTôÕm û]üdï YÚY pûx. "ùrô tnelj RûXûU Gu] ùnn \Õ?' Gu\ úls ûvf NLhÓúU²dÏ Vôo úyióuô]ôûm [ltxôm. X RûXYoLs ReL[Õ EûZlûTÙm, ùnpyjûrùm ÑVSXm TôWôUp VôL U]lTôuûUúVôÓ ùnx ÓYR]ôpRôu Hû]V Eßl ]ols mu VôL úyûx TôodL Ø \Õ Gu\ EiûUûV U\kÕ PdáPôÕ. G]úYRôu Nô jr ùnvplû[ùm, Nô dl úyi VYtû\Ùm BYQlTÓjR ØVt úutùlôs[lthós[õ. - CRr B Vo) The last Divisional Executiuve Committee meeting was held on 5th December 2010 hosted by Ambasamudrum and Cheranmadevi Branches. After our Divisional Executive Committee meeting the entire Divisional office bearers met the Divisional management on , , and Competition prize and Laptop to Com. A. Ashok Kumar, Tiruchendur settled. Stagnation Increment to Com. C. Henry Antony, Kuzhithurai and Com. R. Venkatakrishnan Ambasamudram has been released. We met the ADO's at training centre. As per the request Smt. S. Supriya, ADO shifted to Pondicherry, Vellore Division. Morethan 40 Agencies were reinstated. Number of 5th year (Zonal Level) Agencies were reinstated. As per our request 3 Chairman club membership to Vallioor has been released and the Divisional Managers Club membership to Cheranmahadevi released. A special Development officers Convention was held on at Hotel Seaview, Kanyakumari. The famous writer and Journalist Sri. S. Gnani was the chief guest. Passport NOC to Com. P. Sethuramalingam, Cheranmahadevi and Com. A.P. Vivekanandan, Kuzhithurai were issued. Allotment of Agents has been finalised at many Branches Our president and Vice President attended the ZEC meeting held on 11th and 12th December 2010 at Pondicherry. Our President and the General secretary attended the NEC Meeting held on 24th and 25th February 2011 at Chennai. Audit Query Lodging Bill paid to 3 comrades of Tirunelveli - I for attending the Development officrs convention held at Courtallam on was found by audit team and FCA paid an amount of Rs /- to Com. S. Nanjil Selvan, Tirunelveli - I were found and informed to repay the amount. We took up the above issues with Senior Divisional Manager. After two rounds of discussions the above issues were amicably settled in favour of our members. Branch Visit We had visited the CAB, Cheranmahadevi, Ambasamutram and Tenkasi on

10 The Senior Branch Manager of Ambasamudram Branch has been harassing the ADO's. The Federation would solve all their problems./ Kudos to new ADO's for their Solidarity. ""Ad ²d ÏgùNôuß LiúPu - AûR AeùLôÚ Lôh úxôo ùtôk ûp ûyjúru; ùykõ R krõ LôÓ - RZp ÅWj p ÏgùNußm êlùtußm EiúPô?'' - TôW Kindly clear all the pending dues at thee earliest. Kindly deposit the Benovalent Fund amount to NFIFWI Benovolent fund, S.B.A/c , Code No. 77i, Indian Overseas Bank, Kovilpatti and inform to cell No National federation - Zindabad Development Officers Unity - Longlive úrôzûuùpu, ú_.lôoj d Wô_ô ùtôõfùnvxô[o, úr Vd LôlÀhÓ L[lT Vô[oLs NmúU[]m, ÚùSpúY úlôhpm ÏßgùNn êxm EÚYôÏm YWXôß December ) ADO's training started on today ADO's under training --- our EC meeting on 5th dec--- ZEC meeting on 11 & 12th Dec at Pondichery --- jkr ) Touring days D.A. bill increased to Rs. 350 (old Rs. 250) per day from Rs. 450 for B class --- jkr ) My previous sms correction --- Rs. 300, Rs. 375 and Rs sorry for the wrong sms ---- jkr / 05) For Age 51 to 55, Non medical upto suc I lakh for std AP & NSAP I for single prem pols, for 56 to 60, Nonmedical upto suc 50000; w.e.f jkr ) JCC meeting will be held on at Tirunelveli ---- jkr ) Kindly sms the Reinstatement cases names with code numbers ---- jkr ) Yesterday's JCC Meeting 01)Allotment circular issued 02)Immediate settlement of increased FCA circular isued, 03)Place of posting of ADO's finalised 04)One day training at Kanyakumari under discussion, 05)Stag-inc. to com. Henry released --- detail by circular ---- jkr ) ABM(S) promotion notification circular issed --- jkr ) Regarding reiinstatement more than 20 cases cleared ---- jkr JANUARY ) Dear comrades, Today the New ADO's are Joining the branches, kindly introduce them to the members and call them to the branch unit meeting --- jkr ) Market plus competition prize gift vouchers have been sent to all branches --- jkr

11 03) Today we met SDM and we discussed all the pending issues 01)D.M.S. club to Cherai - the agent will be called Interview again tomorrow 02) All D.O.'s training on at Kanyakumari 04) Reinstatement, HRC, Licence expiry, meal coupon table & chair to TTN, Allotment, Stag. inc all are under process --- jkr ) Dear comrades, management has called NFIFWI for discussions on matters concerning marketing dept-on 18th Jan President com. G. Nagesh, VP com. K.P. singl Jt. Sec Com. Tarinimohapatra Res. Sec com. Madhav Shinde and SG.R. Jay Prakash will attend the discussions. Regards. JP, SG/fwd anand ZS--- jkr ) Dear comrades AIIEA has arranged the signature campaign to protect LIC on by 5 p.m. infront of Divsl off -- comrades of Tvl -- 1,2 and CAB and the members who are present at TVL are requested to participate --- jkr ) GOIB 2007 EXTENDED FOR ONE MORE YEAR without any change circular No. Mktg/ZD/58/2010 DATED 18th Jan Signed by ED MARKETING--- jkr ) Dear comrades, Today (18th) as informed discussions were held with mktg dept. We discussed on review of IB scheme and all issues concerning DO's. The GOIB 2007 is extended for one year vide mktg/zd/58/2010 dtd we have strongly protested against the circular and demanded that to be favorably modified. IB scheme has to be effective w.e.f Kindly await detailed letter. Regards. JP-SG--jkr ) Today evening the Resident Secretary, Treasurer and GS will meet SDM to follow up the pending issues --- jkr ) Dear comrade, Greetings and Red salutes to you on the occassion of the foundation day of our great organisation NFIFWI. Our salutes to all veteran comrades & leaders who created & developed NFIFWI. Let us rededicate ourselves to this great movement be united & defeat the divisive forces to ensure the welfare of LIC Industry, policy holders & DO's NFIFWI ZINDABAD, Regards. JP, SG/NF (SZ) extends foundation day Greeting & best wishes to all members of SZ-anand Z--jkr ) All Do's Meeting will be held on Tuesday from 10 Am to 1 Pm at Hotel Sea View, Kanyakumari. Guest speaker sri. Gnani, writer, chennai --- jkr ) Regarding ABM(S) promo---4 Applications received Ambai, Kuzhithurai, Tiruchendur and Tirunelveli unit-2 each one respectively --- jkr ) 01)Trade union workshop is postponed 02) Vehicle advance may be 15%, 10%, 3% and Rs. 5 lacs, 10 lacs and 15 lacs respectively wait for the circular --- jkr FEBRUARY ) Dear comrades, kindly go thru the circular on conduct of unit meetings. Some of the conditions and directions are objectionable. Kindly give ur feedback, Regards JP, SG--jkr ) Com.P. Ganesan's (Tenkasi) mother expired today at R. Pudukottai, 4kms west from Koviloor, 25 kms from Dindigul (Dindigul-Kujiliam parai route) Funeral on around 3 pm at R. Pudukottai ---- jkr ) Dear comrades, we strongly protest the clarification circular on attendance marking by Personnel dept. The circular is anti-marketing, harassing DO's unreasonable, impratical bureaucratic without understanding grassroot realities in a competitive market. Mangement of a marketing organisation is suspicious of its productive field force and believes in ensuring presence in office protest on multiple & unreasonable conditions & demand immediate soulution our grievances. Register your strong protest at Branch, Division & Zone and talk only about attendance (which the management wants) while you gear up for a stronger protest start following the circular under written protest "Stating that this circular is creating hurdle & affecting my productivity" Keep marching strongly NFIFWI Zindabad - Regards JP, SG -- jkr ) Dear Comrades, we have lodged our protest & placed our grievances regarding the unit meeting circular. Protest letter to management being sent on mail to all members. Management has agreed to redress the grievances. We are awaiting for clarity. Kindly wait for further instructions - Regards JP, SG... jkr

12 05) Dear Comrades, with regard to the unit meetings of agents, the central office has clarified to the zonal managers that unit meetings has to be conducted in consultation with DOS and taking care of conveniences, payment has to made practically for ordered numbers inclusive of BM, ABM, Do and guest-practical aspects necessary for motivation should be acceptable in flexible manner. All comrades are requested to conduct unit mettings taking into account the above aspects and take maximum advantage of the provision to motivate the agency force. If any impractical situation is felt kindly report. Regards J.P. SG/fwd anand ZS--- jkr ) Next NEC meeting on 24 & 25th Feb at chennai -- Next Divisional Exe Com meeting on 5th March at Tirunelveli hosting by kovilpatti branch --- jkr ) Meeting with SDM by 10 a.m. on Branch visit on a.m. CAB TVL a.m. Cherai /30 Ambai p.m. Tenkasi-- Kindly inform the members and to ADO's ) Dear Comrades, we are very sorry to inform you our Manager (Sales) Sri. Gnanam PP.Rayen expired today morning at chennai. other matters follows --- jkr ) As per SDM's information Manager (Sales) body will arrive to Veerapandiapattanam late night or 15th early morning --- Funeral on 16th around 9.am at Veerapandiapattanam --- jkr ) As we are going to Veerapandiyapattanam on 15th (10am from Tirunelveli) the branch visit is Postponed -- Fresh date will be informed -- jkr ) Programme on meeting with SDM 10.a.m. Branch visit CAB a.m. Cherai a.m. Ambai p.m. Tenkasi 4 pm Kindly inform to all members and ADO's --- jkr ) Dear Com. pl. send articles. Family achievements and news extracts for News Bulletin immediatedly jkr ) Dear Comarade, NFIFWI sorrowfully informs you the sad demise of our veteran leader com. Uma Shankar Singh, our former CS member & Zonal President of NCZ and beloved father of com. Vivek Singh, Zonal. Sec. NCZ. He was suffering from illness for some time. We share the grief & sorrow of the family and pray to Almighty God to rest the soul in peace & give courage to the family to bear the loss. We play our respects and tributes to com. U.S. Singh. He will live in our hearts forever. His contributions to NFIFWI and Comradeship will be ever cherished. com Umashankar Singji amar rahe. In grief JP.SG. -- jkr Rª p ûlùvýjõ útôhpôp Be Xm ùr VôÕ Guß AojRUô? Gp.I.. ÁÕ Rªr BoYXoLs ùlô l. Ck Vô p BÙs LôlÀhÓ YojRLj p Øu] VôL LrYÕ Gp.I.. ßY]m BÏm. Uj V AWN ßY]m GuTRôp R²Vôo LôlÀhÓ ßY]eLû[ P Gp.I. «p Tô GÓlTRtúL ùtúm TôXôú]ôo A Lm ÚlTlTÓ \ôols... Be Xm ùr VôR Tô RôWo Gu\ôp Gq R Wf û]ùm CpûX. B]ôp Be Xm ùr kõ Rª p ûlùvýjõm útôpdá VYWôL CÚkRôp AeÏRôu Wf û] GÝ \Õ. Be Xm ùr kr AYÚdÏ iqltj p Es[ RLYpLs SuÏ [d dá\lthpõ Guß JÚYo Eß ùuô ûlùvýj P úyióm. CpXô hpôp LPu iqltm T º dlltpôõ. Rª p ûlùvýjõ útôh ÚkRôúX AYÚdÏ Be Xm ùr VôÕ Guß Gp.I. Øû\ LÚÕ \Õ. ùnuû]ûv únokr JÚYo LPu YôeÏYRtLôL CeÏs[ JÚ Gp.I.. AÛYXL û[dï ùnu±úkrôo. Be X CXd Vj p ThPm ùtt\ AYo Rª p ûlùvýjõútôóm TZdLm EûPVYo ARuT LPu iqltj p Rª p ûlùvýjõ útôhó ùlôójõs[ôo. ûlùvýjõ Rª p CÚlTûR TôojR F VoLs, ""Nôo els CkR Eß ùuô T Yj p Gp.I.. Hù_iÓ JÚY Pm ûlùvýjõ Yôe YôÚeLs. AlúTôÕRôu EeLs iqltjûr T º lútôm'' Guß á± hp]o. AkR Eß ùuô T Yj p Be Xj p ϱl PlTh ÚkR YWeLû[l TôojRÕm AkR STo, Be X ThPRô Vô] R]dÏ YWeLs GÓjÕûWdLlThPÕ Guß á± JÚY Pm ûlùvýjõ ùt\ úyi Ùs[úR Guß ùsôkõ ùlôipôo. CÚkRôÛm LPu úyióúu, úyß Y «pxôup ûlùvýjõ Yôe ùlôójrôo. Rª p ûlùvýjõ útôhpôp Be Xm ùr VôÕ Guß RY\ôL LÚÕm Gp.I.. ûv TôojÕ Rªr BoYXoLs ùlô jõ útôn Es[]o. (- ]jrk ) 12

13 úr Vl ùtôõf ùnvxô[ u LôlÀÓ NhP UúNôRô ( ÚjRlThPÕ) Tt±V L Rm ReL[Õ AdúPôTo 15 úr «hp No. 18/1/1/2010/FC L Rm ûpdll ùttú\ôm. TôWôÞUu\j u Tt±V ûxdïý u ùnvxlj ÚkÕ YkR AdL Rj u ùtôúhó Su± ùr jõd ùlôs ú\ôm. SôeLs 2010 SYmTo 1m úr SPdL ÚdÏm " Tt±V TôWôÞUu\ ûxdïý' u Øu B_WôLj RVôWôL Esú[ôm. TôWôÞUu\j p RôdLp ùnnvlthós[ ""LôlÀÓ NhP ÚjR UúNôRô ( ÚjRlThPÕ.) 2008'' êxm ØuùUô Vl ThP LôlÀÓ NhPj p E V ÚjReLs ùnnyru Ød VjÕYjûR GÓjÕûWd ú\ôm. CÕ Ï±jÕ Uôof 5,2008Cp SPkR ""TôWôÞ Uu\l útw '' «u útôõ Uà A j Úd ú\ôm. ØkûRV ( ) ûxdïýüdïm Uà A j Úd ú\ôm. AYtú\ôÓ únojõ LY]j p ùlôs[ CkR UàûYÙm RôrûUÙPu NUol d ú\ôm. I. Yôd Vm 3 Ü 2 LôlÀÓ NhPm 1938 Y ô d V m CûPfùNÚLp ""JÚ ùy SôhÓ ßY]m R²júRô, RuàûPV û[ ßY]eLs ApXÕ Yô ÑLs êxúuô ûyj ÚdÏm ùuôjr TeÏLs, (áhó ûyjõs[) Ck V ßY]j u TeÏL p 49 NRÅRjÕdÏ A LUôL CÚdL ápôõ''. 1) LôlÀÓjÕû\ûV \kõ hó 10 YÚPeLs B] \Ïm Ak V úsw ØRÄhûP 26% Guß YûWVßj ÚkRRtLô] LôWQeLs Cuû\dÏm AlT úv CÚd \Õ. NÁTj p LrkR EXL[ô V úrdlj uútôõ EX u ùt V LôlÀhÓ ßY]eLs GpXôm ùsô kõ útôn ÅrkR]. CÕ GUÕ RodLjûR VôVlTÓjÕ YúRôÓ ùsô kõ útô] ßY]eL u TiTôhÓj RuûUûVÙm Ñh d LôhÓ \Õ. CjRûLV Ko ATôV AàTYjûR Ck Vf NkûRdÏs JÚúTôÕm AàU dld ápôõ. 2) JÚ BÙs LôlÀhÓ ßY]jÕdÏ êxr]m (Capital) GÕÜm úrûy CpûX. ùnvptóm êxr]m (Working Capital) UhÓm útôõuô]õ. EXLm ØÝYÕm TX BÙs LôlÀhÓ ßY]eLs TWvTWm (Mutuals) G]lTÓm ùnvptóm êxr]jûrd ùlôió CVeÏ u\]. 3. ùy SôhÓ ßY]m êxr]jûr WkRW A[ p êxr]uôl ûyj ÚdL oqvm HÕªpûX. G]úY BûNlTÓmúTôÕ AYoLs êxr]jûr ÚmTl ùttßd ùlôs[xôm. G]úY LôlÀÓ ßY]eL p êxr] FhPm ùnûjrp GuTÕ ùtôú[t\õ. 4. ØuùUô Vl ThÓs[ ÚjRm ""ùy SôhÓ ßY]m R²júRô ApXÕ û[ ßY]eLs êxuôlúyô ûyj ÚdÏm ùuôjr TeÏLs'' Guß YÚ \Õ. RtúTôÕ û[ ßY]e L p ØRÄÓ ùnnvl Th ÚlTÕ Ï±júRô Utßm TeÏL u ùrôûl ϱjúRô T únôrû] ùnnv Y «pûx. CÕ GkR A[ÜdÏ úyióuô]ôûm ùnpxxôm. LôXlúTôd p CÕ ùy SôhÓ ßY]eL u B dljõdïm, (Ck V ßY]jûR) YôeÏm ûxdïm ChÓf ùnpxxôm. 5. Ck Vl ùtôõudls únªjr TQjûR CXôTm Gu\ ùtv p AYoL[Õ SôhÓdÏd ùlôió ùnpxxôm. 6. Ak V úsw ØRÄhûP EVojÕYÕ U Yô] útôh Lû[ EÚYôdÏm. CR]ôp A L XôTm ùtßm ùtôúhó A L CPo û\kr ØRÄÓLû[j úroü ùnnyo. X YÚm EXL[ô V ùsúdl dï CÕRôu LôWQm. 7. EXLm ØÝYÕm jõû\«p AW u RûXÂÓm, LhÓlTôÓLÞm A L jõ YÚm úyû[«p Ck V AWNôeLm ARtÏ 13

14 úsùw Wô] ûny «p ùnpyõ BfN VUôL Es[Õ. Ck Vô EXL[ô V ùsúdl «ÚkÕm LôlÀÓ Utßm jõû\ CWôhNoLs ÅrkR ÚkÕm TôPm LtßdùLôs[ úyióm. Ak V êxr]j p EVoÜ GuTÕ JÝdLªuûU«]ôÛm, úyß SôÓL p Es[ û[ ßY]eL p HtTÓ u\ WfNû] L ]ôûm Ck V UdLs Tô dlltó u\ ãzûxúv EÚYôdÏm. Ut\ SôÓL p Es[ ØRÄÓm ATôVØm Tt± SUdÏj ùr VôÕ. AúR úyû[«p AeúL SPd u\ LrÜLs Ck Vô Ûm ùsúdl AûXûV EÚYôdÏm. Sôm ùtúm ßY]eLÞdÏ LXkRônÜ ùnn u\ ßY]eLÞm (Consultancy) R dûl ùnn u\ ßY]eLÞm (Audit firms) ÅrYûRd LiáPôLl TôojúRôm. 8. Ak V ØRÄÓ A L dïmútôõ ßY]eL p ØRÄhÓ Øû\«p Uôt\m YÚY ]ôp FL ØRÄÓLÞdÏ Yônl HtTÓm. R²Vôo ßY]eLs ùy SôhÓd áhópu Ck Vô p A ùvójõ ûyjr útôõ ë l-l Ûm, TeÏ NkûR«Ûm A L ØRÄÓ ùnnùm BoYjûR EÚYôd ]ôols GuTÕ EiûU. ARu û[yôl RtúTôÕ NêL TôÕLôl m CpûX. únªl dï EjRWYôRØm CpûX. LôlÀhÓjÕû\ ë ll u B dlj p Es[ ]ôp ßY]eLÞdÏjRôu A L CXôTm. LôlÀÓ GuTRtÏl T XôL FLØRÄÓLÞdÏ FdLm A dlltó \Õ. ûxûu Cuàm úuônuôlxôm. 9. RôWô[UVUôdLjÕdÏ \Ï LôlÀhÓjÕû\«u ùnvptôólû[ ÁsTôoûY ùnnõ, LôlÀhÓjÕû\ûV R²VôoUVUôdÏ YRtÏ LôWQUô] CXh VeLs DúP± CÚd \Rô Guß LiP±V úyióm. TpúYß Jl dùlôs[lthpd LPûULû[ û\úyt\ Ø VôUp R²Vôo LôlÀhÓ ßY]eLs TXØû\ ATWôRm ùnûj CÚlTúR ûxûuûv ùyhp ùy fnuôdïm. R²Vôo ßY]eLs ØÝdL ØÝdL ë lls ÁÕ UhÓúU LY]m ùnûjõ u\]. ë lls TeÏfNkûRúVôÓ ùrôpo ûpv] GuTÕ UhÓUpX - ØÝ CPûWÙm Tô RôW u RûXúUp ÑUj PÜm Ø \Õ. ßY]eLÞdÏ CPoLôlÀÓ Tt± GkRd LYûXÙm CpûX. II. Yôd Vm 3- Ü 2, LôlÀhÓ NhPm Yôd Vm 7(A) Utßm 8(A)-p ùnnvltp ÚdÏm ÚjRm BÙs LôlÀhÓd LZLjÕdÏ ¾eÏ û[ ltõ. 1. "Ck V LôlÀhÓ ßY]jûR' YûWVû\ ùnnyõ ϱjÕ AfNm XÜ \Õ. BÙs LôlÀhÓd LZLjûR JÚ ßY]UôL (Company) Uôt± Gp.I. «u TeÏLû[j R²VôÚdÏ RôûWYôodÏm hpjõdï A L AÝjRm A dlltó \Õ. CRú]ôÓ ùrôpo ûpv Yôd VeLû[ Ck V BÙs LôlÀhÓd LZLf NhPm p Eh Ïj ÚjReLs úutùlôs[ ØVt SPd \Õ. 2. Aû]jÕ LôlÀhÓ ßY]eLÞm ì 100 úlô êxr]jõpu T ÜùNnVlTP úyióm GuTÕ BÙsLôlÀhÓd LZLj u SXàdÏ G Wô]Õ. Gp.I.. GuTÕ AW u ùtôõjõû\ ßY]m. AÕ Ck Vô p BÙs LôlÀhûP Y[ojùRÓjÕs[Õ. CkRf NhPj ÚkÕ Gp.I..dÏ XdÏ YZeL úyióm. Hù]²p LôlÀhÓj Õû\ûV \kõ ÓmúTôÕ Gp.I.. UhÓúU JúW BÙs LôlÀhÓ ßY]UôL CÚkRÕ. Gp.I. dï ùtúm ùnôjõ A jr[uôl Es[Õ. ARàûPV L[eLªpXô LXôfNôWj ]ôprôu Ck Vô p LôlÀhÓjÕû\ ûxïûxvôup Es[Õ. 3. RôL ùlôió YWlTP CÚd \ LôlÀhÓf NhPeL ÚkÕ Gp.I. dï XdÏ A dl úyióm. Hù]²p Gp.I.. TôWôÞUu\j p ùlôióywlthp NhPm êxm ßYlThPRôÏm. Yôd VeLs 7(A) Utßm 8(A) «p ÚjRm ùnnùmútôõ Gp.I. dï XdÏ A dl úyióm. III. Yôd Vm 3 Ü, 2 LôlÀhÓ NhPm Yôd Vm 9p ÚjRm LôlÀhPô[o Gu\ôp 1.CeúL Gp.I.. Ck VôûY R²VôL ϱl hpôl úyióm 2. ØuùUô VlThÓs[ 9(C) ûv YôTv ùt\ úyióm. (JÚ LôlÀhÓ áhó\ü NeLjûR LôlÀhPô[WôL AàU dld ápôõ. áhó\üf NeLeL u R dûlùm, SmTLjRuûUÙm úyß -TeÏfNkûR FZ p Uôh Ùs[ áhó\ü NeLeL u ùnvptôúp RdL GÓjÕdLôhÓ) 3. ØuùUô VlThÓs[ 9(d) ùy SôhÓ UßLôlÀÓ ßY]j u (Reinsurance) û[ûv Ck Vô p JÚ ßY]UôL T Ü ùnnv Y ÙßjR úyióm. 14

15 IV. Yôd Vm 28 Ü 27, 27A, 27B, 27C Utßm 27D, LôlÀhÓfNhPm, 1938 útô V ÚjReLs êxm EsLhPûUl Ûm, NêLSXjÕû\«Ûm LôlÀhÓ ßY]eLs ØRÄÓ ùnnv úyióm GuTRû] Y ÙßjR úyióm. CRu êxm LôlÀhPô[oLs iplôx ØRÄÓL p RUÕ VôRôWjûR ØRÄÓ ùnnyru êxm TôÕLôlTô] ØRÄÓ AûUVÜm, Sôh u Y[of dï ERYÜm Ø Ùm. V. Yôd Vm 37 - Ü 32B BÙs LôlÀhÓf NhPm " WôUl \m Utßm NêLSXjÕû\Lû[ JÝeÏTÓjÕm Øû\L ut ϱl PlTÓm' Guß ØuùUô VlThÓs[ ùnôtlû[ " WôUl \m Utßm NêL SXjÕû\Lû[ AWÑ ùl_h p A± l ùnn dïm YûL«p ϱl P úyióm.' Guß Uôt± AûUdL úyióm. VI. Yôd Vm 3 Utßm 53- Ü 2, LôlÀhÓf NhPm Yôd Vm (5A) Ü 2p Es[ Yôd Vm (5A) ûv dld úlô Ùm, Ü 42A, 42B Utßm 42C ûv dld úlô Ùm ØuùUô VlThÓs[Õ. CkR Ls Gp.I..«Ûm,.I. «Ûm Es[ Y Ll TûPûV ºWôd Es[Õ. Ü 42 A«p 2002-p ùnnvlthp ÚjRm JÝdLdúLPô] TuR[ ttû]ûv (Multilevel Marketing) RûP ùnnõs[õ. Ü 42A-«u CkRl TÏ ûv AlT úv ûyj ÚdL úyióm Gu\ôpRôu TXRW ttû] êxøm, A\j tï JqYôR Y L Ûm Y Lm YûR RÓjÕ ßjR Ø Ùm. LôlÀhÓ ØLYôiûU BÙs LôlÀhÓ Y LjûR Y[WÜm, jrljúrôó ùrô p VÜm UhÓúU úumtójrlthós[õ. CkR \l Yôd Vm CpûX Gu\ôp ØRuûU ØLYoLû[Ùm, RûXûU ØLYoLû[Ùm \l ØLYoLû[Ùm VU]m ùnnyûr RûP ùnnv Ø VôÕ. CRu êxm ØLYoLs ÑWiPlTÓYúRôÓ úsoûuvt\ Y Lm SûPùT\Üm Yônl EiÓ. ( ßY]m ØLYoLs ÁÕ T ûvl útôhó hó útnôup CÚkÕ Óm). Gp.I. «Ûm R²Vôo LôlÀhÓ ßY]eL Ûm Ü 42A SPl p CÚdÏm útôúr Uû\ØLUô] ùtvol Ûm, hpel u êxuôlüm ØRuûU ØLYo / RûXûU ØLYo/ \l ØLYo B úvôo VªdLlTÓ u\]o. CkR Lû[ d hpôp LôlÀhPô[oLs LhÓlTô u± BhPm útôóyôols. TôYlThP Tô RôWoLÞm, ØLYoLÞmRôu T LPô BYôoLs. ØRuûU BÙs LôlÀhÓ BúXôNLo (CLIA) hpm GuTÕ ClT VôL CuãWuv NhPj u Ü 42A «û] Á± UôßúYPj p ùlôió YWlThÓs[Õ. CkR hpj u êxm ØLYoLs ReLs Uû] ûvùm, ÏZkûRLû[Ùm, ØLYWôL VU]m ùnnõ A L Lª`u ùtß \ôols. ØRuûU BÙs LôlÀhÓ BúXôNLo 2008 hpm Sôh u NhPjÕdúL \mtô]õ. LôlÀhÓf (1938) NhPj p 2002-m BiÓ ùlôióywlthp ÚjRjÕdÏ G Wô]Õ. VII. Yôd Vm 52- Ü 42, LôlÀhÓf NhPm 1938 LôlÀhPô[o ØLYûW, úsw VôL VU]m ùnnv ØuùUô VlThÓs[Õ. CÕ RôßUô\ô] VU]eLs SûPùT\ Y YÏdÏm. G]úY RtúTôÕ X «ÚdÏm "LôlÀhÓ ØLYoLÞdÏ BûQVm Y VôLf Nôu±Rr YZe Óm' Øû\úV ùrôpw úyióm. CpûXùVu\ôp Nôu±Rr YZeLlTÓm Øû\ ojõ útôn LôoL u Gi dûl ùtúïm. 15

16 CûR LÚj p ùlôió Yôd Vm (10) Uôt\m ùnnvltpôup AlT úv ùrôpw úyióm. AR²p Ü 42A ùnnvlth ÚdÏm CûPÂûPÙm dl úyióm. VIII. Yôd Vm 57 Ü 44, LôlÀhÓfNhPm 1938 CkRl ûy dïyõ G] ØuùUô VlThÓs[Õ. CRû] dïyr]ôp ØLYoLs L ] EûZl u êxm Dh V Lª`û] ùt\ Ø VôUp útôlxôm. CRuêXm ßY]eLs ùtôdûlvô] LôWQeLû[d á± ØLYoLû[ T dlm ùnnõ Lª`u YZeÏYûR ßj PXôm. úr VUVUôdLjÕdÏ Øu]o ßY]eL p SPjûR ClT jrôu CÚkRÕ. CÕ EûZdÏm YodLjûR ÑWiÓ \ ùnvxôïm. LôlÀhPô[ u SuûUûVd LÚj p ùlôió, JÚ ØLYo úyù\ôú ßY]j p únokrôp AYWÕ ùrôpo (Renewal) Lª`û] ßjÕmT T kõûw ùnnvxôm. IX. Yôd Vm 58 - Ü 45, LôlÀhÓfNhPm 1938 LôXYûWdÏ Øk ] úlh Um (early claim) Utßm úlh ûu UßjRp (Repudiation of claims) 1. Tô RôWÚdÏ G Wô] CkRj ÚjRjûR SôeLs LÓûUVôL G od ú\ôm. CÕ Tô RôWoL u VôVUô] úlh UeLû[ R²Vôo ßY]eLs WôL ltrtï Y YÏdÏm. G]úY RtúTôÕ X ÚdÏm 2 YÚPeLs GuTûR ûx ßjR úyióm. úuôn Tt±V RLYp CÚkRôp UhÓúU 2 YÚPeLÞdÏs úlh Um ùtß u\ Tô Ls ϱjÕ NôWûQ SPjR úyióm. 2. LôlÀhPô[oLs úrûyvô] A[ÜdÏ Y LôhÓRûXÙm, TôÕLôlûTÙm Tô YZeÏm Øu]o SûPØû\lTÓjR úyióm. úlh UeLû[ YZeÏm útôõ NôWûQ SPj d ùlôi ÚdL ápôõ. 3. CRu êxm RWm Ïû\kR BÙsLÞdÏ Tô YZeÏYÕm u]o úlh Um YÚmúTôÕ Rh dl ltõm RûYLû[Ùm ÏZkûRLû[Ùm Õu ßjÕYRôL AûUÙm. 4. CÕ BÙs LôlÀh u úsôdljûrúv úrôtl jõ Óm. 5. LôlÀhÓjÕû\ûVj \kõ ÓmúTôÕ Tô RôWÚdÏ YZeÏm únûy ùufnltóm. G ûuvôdlltóm Guù\pXôm Eß ùuô á±]ôols. B]ôp ARtÏ úsouô\ôl Lû[ LÓûUVôdÏYÕRôu SPd \Õ. X. LôlÀhPô[oLÞm BûQVØm (IRDA) ùrô tnelelû[ Li ltôl Ae L dl NhPj p CPm ùlôódl úyióm. BÙs LôlÀÓ Utßm ùtôõdlôlàó LZLeLÞdÏ úrûyvô] A LôWm YZeLÜm úyióm. XI. Yôd Vm 97- Ü 109, LôlÀhÓfNhPm 1938 LôlÀhÓf NhPj u T SPY dûl GÓdL Uu\jÕdÏ WUm HtTÓjÕ \ YûL«p BûQVj u (IRDA) ùnvptôó AûUVdáPôÕ. XII. Yôd Vm 107- Ü 10 GuTûR ùtôõdlôlàó Y Lf NhPj p (1972) ÏjRdáPôÕ. XIII. Yôd Vm Ü 2 I.Bo..G. NhPm 1999 Eh Ü 1 Yôd Vm (f) ""LôlÀÓ ØLYoLs, êu\ôyõ Lh oyô Ls (TPA) '' GuTûRÙm Eh ÏjR úyióm G] ØuùUô VlThÓs[Õ. LôlÀhÓ ØLYo GuTYo JÚ RWLo ApX. LôlÀhÓ ØLYo GuTYo SûPØû\«p Es[ ØLYÚdLô] YûWVû\lT úv AûZdLlTP úyióm. LôlÀhÓ ØLYo JúW JÚ LôlÀhPô[ Pm UhÓúU CûQdLlThÓ, AkRd LôlÀhPô[ Pm UhÓúU Y Lm \ôo. G]úY ""LôlÀhÓ ØLYoLs'' Gu\ ùnôtlû[ Ü -2 Eh Ü 1 Yôd Vm (f) p ÏjRúY ápôõ. GUÕ LÚjÕdLû[ LY]j p ùlôió RôeLs RûVáokÕ SûPØû\«p Es[ LôlÀhÓf NhPeL p ÚjReLs ùlôió YWôUp CÚdL BY] ùnnùmt úlhód ùlôs ú\ôm. ReLs EiûUÙs[ R.ù_Vl WLôx ( ûw p TôWôÞUu\j p YôRj tï YW CÚdÏm Cu` Wuv NhP UúNôRô Tt± úr Vd áhpûul TôWôÞUu\ ûxdïý u NUol jõs[ ùtôús ªdL ÚjReLÞm, [dlelþm ßTÏ elxôl RªZôdLm ùnnvlthós[õ). I will not say I failed 1000 times, I will say that I discovered 1000 ways that can cause failure....thomas Alva Edison. 16

17 TERM PLANS SCORE OVER ULIPS AGAIN Term insurance products are back in favour with insurers. The cost of term plans NEWS has come down by percent over the past year.a year before, a term plan insurance for a cover of Rs 50 lakh for a person aged years attracted a premium of Rs 12,000. The average cost of such a plan is now Rs 6,500-7,000. A term insurance policy provides a stated benefit only upon the holder's death, provided the death occurs within the policy period. There will be no stated benefits if the policy holder out lives the policy period. With the Insurance Regulatory and Development Authority cracking a whip on the sale of unit-linked insurance plans, almost all major life insurere have launched a number of new term plans in recent months, to boost their sales and diversity the product portfolio. Examples are aviva life Shield Platinum, ICICI Prudential iprotect, Kotake- Term, Kotake- Preferred Term plan, Met Suraksha Plus, SBI Life Smart Shield and HDFC Term Insurance. Aviva recently introduced three term plans. Term plans constitute 16 percent of its overall portfolio and 40 percent of the traditional protfolio. Another reason for the lower cost is improvement in mortality rates, enabling insurers to issue term policies with longer ternures. "Mortality rates have improved by percent over the past few years. This is helping insurers to underwrite policies with higher tenure. Second, due to the same reason, reinsurance rates have also dropped by percent over the past one year, which is pushing the cost down," said G.N.Agarwal, Chief Actuary, Future Genereli Life Insurance Co. However, some industry experts believe an overdose of term plans is not ideal, as these address only a part of the risk. According to statistics, only four of 1,000 policy holders dies during the policy period. There are other risks, apart from the life risks, which a term plan fails to cover. One needs a systemic savings plan and, ideally, term plans should be bundled with other hybrid products," said P Nandagopal, MD&CEO, India First Life Insurance. - BUSINESS STANDARD BANCASSURANCE LIMITS LIFE INSURERS NßdÏm útelxëwuv... All such firms plan mass expansion of agent base, finding no good alternative to attract new business Bank-Promoted life insurance companies are diversifying into agency route as the bancassurance model has turned out to be not as effective as envisaged, especially for unit-linked plans. Amid changing regulations, where the Insurance Regulatory Development Authority (Irda) has expressed its concerns on mis-selling of products and called for h;gher protection of the policy holders, these insurers are finding it difficult to push insurance products through executives in the bank branches. New private life insurance players such as Star Union Daiichi, IDBI Federal Life and India First Life is planning to double agent base over the next 12 months to broad-base their out reach and tap more customers. "Bancassurance channel is the most cost-effective channel for selling insurance products. Though this channel is effective to build up initial capacities, in the long run, agency distribution is a must to generate new business," said an industry expert. According to industry estimates, more than 50 per cent of the industry's business comes through agency channel, bancassurance route accounts for nearly per cent of the business, while corporate agents, brokers and direct marketing accounts for around 20 per cent of the premiums collected. Bank of India (BoI) and Union Bank of India promoted Start Union Daiichi is recruiting 5,000 agents across 20 centres in the country to diversify its distribution channel. "We need alternate channels outside bancassurance route, so we are planning to build a very strong agency net-work going forward. We have already started this on pilot basis in Bihar and Assam, over the next one year we will recruit 5,000 agents across the country to diversify its distribution channel.'' said K Sahay, MD&CEO Star Union Daiichi Life. "The move to increase the number of agents is in line with our strategy to develop multichannel distribution system. Bancassuranceh has its own advantages, but agency route is most efficient when it comes to reaching the people in rural areas," said P Nandagopal, MD&CEO, India First Life. Players such as SBI Life, ICICI Prudential, HDFC Standard Life, which had a backing of large banks to start with, had slowly build up a strong agency route to sustain the growth in premiums. For instance, SBI Life, the largest private life insurer in the country, have nearly 80,000 agents and agency channel accounts for around 37 per cent of the business. For ICICI Prudential, 50 per cent of the premiums collected comes through agency route and has more than 100,000 agents. (Courtesy : Business Standard, ) "In a day, when you don't come across any problems, you can be sure that you are travelling in a wrong path"....swami Vivekananda 17

18 úrôzo A.P. úylô]kru Ï jõû\ û[ ""AYu ùnôu]ôu CYu ùnôu]ôu Guß GûRÙm SmTôúR. GYu ùnôu] ùnôpxô]ôûm AûR E]Õ ÑVU Vôp Hu GRtÏ Guß k jõl Tôo'' U²RàdÏ GÕ L ]Uô] úyûx? GYùWvh útôu\ EVokR T² UûXL p HßYRô? Y\iP TôûXY]j p RôeL Ø VôR RûXfÑûUúVôÓ ùyhp ùy «p SPlTRô? ùt V úlôpô Vôp UWjûR ùyh f NônlTRô? ùlô V útôodl[j p E«ûW TQVUôL ûyjõ Øuú]±f ùnpyrô? CûYLs VôÜm L ]Uô] úyûxvô? CpûX. CpûX. CpXúY CpûX! Smªp AúSLÚdÏ CûYLs VôûYÙm P ªLd L ]UôL úyûx Juß EiÓ AÕRôu k ltõ! U²Ru ùnnvdá V úyûxl p ªL EVoYô]Õ GÕ? GjRûLV u]v NôRû]Ls CÚd u\úrô, AjRû]Ùm P EVoYô]Õ GÕ? k ltõ! Bm AÕúYRôu. Ï ûwûvl útôx KP Ø ÙUô? T\ûYûVl útôx T\dL Ø ÙUô? Vôû]ûVl útôx UWeLû[ NôndL Ø ÙUô? eljûrl útôu\ ùt V TtLs SmªPm Es[Rô? Eß Vô] ùlôm Ls Es[Rô? ip Õ dûl Es[Rô? CpûXúV!! SmUôp JÚ SôûVdáP ApXÕ TômûTdáP ùyßm Lô ]ôúxô ûl«]ôúxô A jõ P Ø ÙUô? ARtÏdáP JÚ R «u ÕûQ úyióúu! U²R EPp GjRû] ùuuûuvô]õ. SPkÕ ùnpx úyióuô]ôûm áp JÚ LôX «u ÕûQ úrûyltó \Õ AYàdÏ. CjRû] TXÅ]Uô] EPûXd ùlôió U²Ru GlT Yôr \ôu? GlT EX p Es[ AjRû] E«]eLû[ PÜm EVokÕ t \ôu? CkR U²R²u TXm GÕ? AÕRôu U²R²u krû]«u TXm! AÕRôu B\ôYÕ A±Ü! LôXm LôXUôL GjRû]úVô krû]vô[ols ReL u krû]vôp V V Y Lû[Ùm, V V LÚ Lû[Ùm LiÓ jõ EXLjûR Øuú]t± CÚd \ôols. B]ôp Smªp AúSLo SUdÏ ùlôódllthp CkR B\ôYÕ A±Yô] U²R²u ªLf \kr TXUô] CkR A±ûY TVuTÓjÕ ú\ôuô? CkR A±Ü úrûy CpûX Guß êhûp Lh TW p útôhó hpyols AúSLo. AúSLo RôeLs útôïm CPj tï CkR êû[ûv GÓjÕf ùnpyúr CpûX. GpXô U²RoLÞdÏm RûX CÚd \Õ. B]ôp RûX RûXVôL CpûX, Gu] BfÑ? RûX YôXôL Uô± hpõ! GÕ BÓ \úrô AÕ Yôp! GÕ k d \úrô AÕ RûX Smªp AúSLo \o ùnôpûx BúUô dl RûXVôhÓYRtÏ UhÓúU RûXûV TVuTÓjÕ \ôols. k ltrtï ApX. AlúTôÕ AÕ YôpRôú]?! UßlTÕ Hu? Hu Sôm k dl Ußd ú\ôm. Hu k dl RVeÏ ú\ôm. AlT JÚ TZdLm CpÄeL! AÕ SUdÏ úrûy CpÄeL! vd GÓdL ÚmTÄeL! SPdÏRô, CÕ útôõmpô Nôª, GÕdÏ CkR úyipôr úyûx. êû[dï úyûx ùlôójrôp mu ùlhól útôïõeúlô. útô \ útôdûl Uôt\, V Y LôQ AúSLÚdÏ JÚ RVdLm. BßLs áp Rôu útôïm Y ûv Uôt\Xôm. B]ôp CkR NôRô U²RoLs VôÚm Ru útôdûl Uôt\ Úm Y pûx. UôßThÓ k dl, úyßthó ùnvptp, JÚ Õ Ü úyi «Úd \Õ. JÚ R AfN EQoÜ, SmûU UôßThÓ k dl, SUÕ áhpjûr Rôi YW AàU lt pûx. B]ôp k dlôr U²RoLs ùnmu±vôhó áhpels. JÚ ûl Yi «p û\v ùth Ls CÚdLXôm. B]ôp AjRû] ùth Lû[Ùm CÝjÕf ùnpûm Cg u JúW JÚ ùth «prôu CÚd \Õ. AÕ útôxúy CkR EXûL CÝjÕf ùnptyols. CkR EXûL Uôt±VûUlTYoLs, CkR EXûL 18

19 EÚYôdÏTYoLs k dïm X U²RoLú[! AYoLs B«Wj p Juß CÚlTÕ TÓ AéoYmRôu. ClT k ltyols A± Vp A±OoL[ôLÜm BuÁL A±OoL[ôLÜm, AW V p ùt V RûXYoL[ôLÜm, \l tß [eï \ôols. CkR EXLm Gu\ Uô ûlûv LhÓm Eu]R t Ls CYoLú[! úlôto²dúlô, L úvô, ëhpu, Iuv¼u, Pôo u, G Nu CYoLs A± Vp Wh ùnnryols. YôpúPo, ìú^ô, Uôodv CYoLs AW Vp Wh dï j hpyols, jro, HÑ, S, Lôk útôu\ BuÁL krû]vô[ols EXûL Wh l útôhp EjRUoLs. GÕ krû]? Smªp AúSLÚdÏ GÕ krû] Guß ùr Y pûx. U] p CûPV\ôÕ K d ùlôi ÚdÏm GiQeLú[ krû] G] RY\ôL û]jõd ùlôi Úd \ôols. XÚdÏ JÚ WfNû] YkÕ hpôp AûR U] p CûPV\ôÕ û]jõ û]jõ LYûXlThÓd ùlôi ÚlTôoLs. CûR krû] G] RY\ôL û]d \ôols. CÕ útôxúy Cuàm Xo C² SPdLlúTô \ JÚ SpX Lrf, U]ÕdÏ jr LrÜ CûYLû[ û]jõ B]kRd LtTû]«p CÚlTôoLs. CÕÜm krû] CpûX! L Rj tï ûplôq ØVÛmúTôÕ, o LQdÏLÞdÏ ûp úrómútôõ, Sôm EiûU«úXúV k d ú\ôm. BLúYRôu k dl ÚmTôR AúSLÚdÏ LQdÏ Gu\ôp QdÏ BLj ùr \Õ. WfNû]Lû[ AX BWônRp, LQd Pp, hpªpp, V Y LôQp CûYLú[ krû] G]lTÓm. JqùYôÚ WfNû]Ùm JqùYôÚ dlûm, SUÕ krû]dï úyûx ùlôódl YkR AÚûUVô] RÚQeLs. EQoÜLû[ JÕd ûyjõ hó k dl TZL úyióm. CÕ útôuß Sôm k dl Øû]ÙmúTôÕ U]m AeÏm CeÏUôL AûXTôÙm. RPm Uô±l útôïm. BLúY ùr YôL k dl Úm ]ôp, JÚ út]ô, ùlôgnm êû[ CûYLû[ GÓjÕdùLôiÓ JÚ CPj p AUokÕ ùnvpthpôp GlT lthp dlplþdïm ¾oÜ LiÓ PXôm Gu \ôo ùtgnªu WôeL u Gu\ AùU dl A± Vp, AW Vp A±Oo. Vôo A±Yô? û\v èplû[ T jryols A±Yô L[ô? CÕ N Vô? û\v EQÜLû[ EiTYoLs VôYÚm TXNô L[ô? GYo SpX EQÜLû[Ùm EiÓ, L ]Uô] EPp EûZl ùnn \ôolú[ô ApXÕ L ] EPtT«t úutùlôs \ôolú[ô AYoLú[ TXNô L[ôL CÚdL Ø Ùm. ùyßuú] EQûY UhÓm EiTRôp EPp TXm YkÕ PôÕ. AÕ útôxúy û\v Yô jrôp A±Yô Ls B P Ø VôÕ. úvô dl úyióm. û\v T jryol Pm û\v RLYpLs CÚdLXôm. B]ôp A±Yô Ls BL Ø ÙUô? T l SpX RLYpLû[Ùm SUÕ krû]ûv çipüm ERÜm. AlúTôÕm k dlô hpôp Gu] TXu?. T jrõ Hu û] p CÚlT pûx. JÚ UWdLhûPúUp CÚm ÕiûP útôhpôp AkR CÚm j çs UWdLhûP«p JhÓUô? JÚ LôkRj Õi u AÚúL CÚm jçs útôn Jh dùlôs \Õ. GY Pm úrórp û\v CÚd \úrô, GeúL krû] CÚd úrô, AYo T ltõ AY Pm CVpTôL Jh d ùlôs \Õ úrórp CpXôÕ BoYm CpXôÕ T ltyols T dïm T l Ls AYoL Pm JhPôUp R²VôL t u\]. ùn Uô]m BLôR EQÜ EP p JhPôUp ùy úv ùnpyõ útôx krû] CpXôUp T dïm T l j «p JhÓY pûx. ùrôh «p CÚdÏm ûw ÏPj p ùuôió AiPô p ùlôió Ft±V u AkRd ÏPj p o CÚlT pûx ApXYô! AúSL u T l ClT jrôu LôQlTÓ \Õ. jrljûr T jõ úro p ùlôh hó úroü Ø krõm U\kÕ Ó ú\ôm. AúSL UôQYoL u Cuû\V T l ClT jrôu JhPôUp CÚd \Õ. Cuß CkR Lô ÏPm útôxúy Lô VôL CÚd \Õ AúSL u êû[. If someone feels that they had never made a mistake in their life, then it means they had never tried a new thing in their life....albert Einstein 19