30 years ago: Helpless and frustrated citizens, depressed youth wondering how to get a job and earn a living. Information was scarce and formal education was nearly useless to the common man.
India, today: Easy access to information has empowered citizens and there is a growing awareness of their legal rights. Youngsters are confident they can be successful in life even in new and emerging fields with the strength of education and knowledge. Even the very poor want their children to get an education. This is the Knowledge Transformation

The view that marketing or selling is misrepresentation is a widespread one. It is a burden that the profession has to bear and its members have to overcome before they meet with success.
However, the customer has rights. The law has to guarantee and protect them. And the Government has to help uphold them.
In fact, only if this entire system works to the satisfaction of the customer will it be sustainable. And only then can the seller, sell, says K Nitya Kalyani in this instalment of the Sales Skills series.

Many critical outcomes depend on successful and sustained insurance selling. From financial security of a society to investments for business and for public infrastructure, they all depend on the ‘yes’ that some insurance agent, somewhere in the country, manages to get from his customer after much effort. What does this success depend on asks K Nitya Kalyani.

Passion, knowledge, manners and appearance, perseverance, relationship-building … the list is endless and fascinating. Premium completes 4 years and we wanted to find out what people thought were the 4 pillars of the selling profession, especially insurance selling. Here are the thought provoking answers drawn from the experiences of a few leading members of this [...]

The financial advisory profession and the financial services
industry in India have changed enormously in the last 10 to 15
years. To keep pace with these changes the agent has to take
the lead for his own professional development.
In this mini-series, Agent to Advisor, we explore what makes
an individual change for the better and how he can do it.
Education and training, acquiring a mentor, reading, learning
and polishing up social behaviour and communication skills
are all part of changes from outside that help in this
transformation.

Agent to Advisor: Change from Within Change is a fact of life. Change takes away what we have, what we are comfortable with, and gives us new things to deal with. Making this new set of circumstances work in our favour depends on us. In this mini-series, Agent to Advisor, we explore what makes an individual change for
the better and how he can do it.

Agent to Advisor The Initial Spark K Nitya Kalyani In every professional’s life there is a moment of awakening when the realisation hits home that there is much more that he can achieve, if only. If only he were better equipped with knowledge, better organised, better informed and better skilled. The response to that inner [...]

The debate centres on this. In India, do we have insurance agents? Or do we have insurance advisors?
It is not the wordings or technical definitions, but the basic nature of the work they do and the value they provide, that is in question.

Insurance agents provide answers to their customers’ challenges and needs. The first step to this is to understand the need or the problem and get to the heart of the matter by asking great questions! In this article experts say genuine questioning and an interest in the subject provides solutions.

The challenge of writing and writing well can be faced if the first draft is written from the heart. This means putting down all you want to say. And then write the second draft from the head. This means rewriting it to address your audience and the purpose in writing to them.