PJ & Associates- Wealth Management, Family welfare Consultant, Investment Portfolio Advisor Estate Planning, Tax Filing, Life/ Health/ Asset Insurance, Risk & Liabilities Strategist

Call (+91) 9971486715 … Referral Code : ADCA22562 … Inspiration Joint – Launch Your Presence ……………. Orange Cub – Prevention of Cruelty Against Animals …… "Powered By Ideas, Ideals & Idealism" – A Blog By Prerna Jain !!

Enrolled Candidates /Referrals/ Payouts- MIS Report – Sep- Oct 2018


 
 
Schemes–
 
DO YOU KNOW ?
you can even invest under following schemes/ concepts :-
MWPA (married woman property act) ,
HUF (hindu undivided family),
keyman policy,
employer employee policy,
partnership policy
 
 
We offer-
11 Rs /day term plan, 
500 Rs /pm cashless mediclaim, 
15 Rs/day accident cover, 
8000 Rs /pm ulip, 
Rs 500/pm sip, 2000 Rs pm guaranteed Savings, 
80% discount on vehicle insurance
 
How to become crorepati–
 
Pay   Rs 83k pm for 5 yr   get 1 cr on 15yr
 
Pay   Rs 41k pm for 10 yr   get 1 cr on 17yr
 
 
Pay   Rs 62k pm for 5 yr   get 1 cr on 20yr
 
 
Pay   Rs 48k  pm for 7 yr   get 1 cr on 20 yr
 
 
Pay   Rs 32k  pm for 11 yr   get 1 cr on 20 yr
 
Pay   Rs 30k pm for 15 yr   get 1 cr on 21 yr
 
 
 
 
 

Intro –

Motor, Life, General/Health Insurance, residential/ commercial property, MF,IPO, NCD, NFO,loan, ITR filing/ GST- online comparison platform/web integrator – POLICY BAZAAR SALES POINT, SMC, cover fox, Renew buy   etc

Ticket booking – bus/flight/ IRCTC train, tour and travel, hotel booking, money transfer, mobile recharge, Bollywood tour booking, Adhaar card enabled payment booking – Multi Link -Business in a box

Website designing, graphic designing, brochure /pamphlet design, newsletter, Emailer, social media optimization, search engine optimization, web hosting and domain – email/server/site , content writing, blogging, logo making etc

Catering, Crockery , Event Management, Anchoring, Podcast, Customised Merchandise distribution etc

If you are animal lover and have money constraints join us to resolve the issue.

If you are an entrepreneur or from financial background like CA, AMFI, etc, retired person, teacher, housewife etc u r most welcome to join us we would love to do value addition in your success.

To,                                                                                                                                                                                                          Date: xxx x

Business Associate (BA) Name :      xxx                                              BA Code :      xxx                          BA Ph. No :        xxx

Date of Joining :   xxx

Paytm Wallet No.:         xxx

Bank Name:       xxx        Bank Account no. : xxx                   IFSC code: xxx                   MICR code: xxx

Mentor Name:                   xxxxxxxx                                                Mentor Code :                                     xxxxxxxx

Relationship Manager (RM): PJ & Associates (Prerna Jain/ N C Jain)

 

 

 

Subj: Empanelment as Direct Partner Code xxx

 

Dear Associate, 

We thank you for your interest in associating with us and extend our warm welcome in joining our growing family of channel partners.

We are pleased to allot code to you which has to be used by you for doing business. 

Your login details for accessing software has been sent to your registered email Id and mobile number. 

If you have any further query please feel free to contact your RM. 

Assuring our best services at all times. 

Regards

Prerna Jain

Managing Partner

 PJ & Associates

 

Subj: Empanelment as Direct Partner Code xxxx

 

Dear Associate, 

We thank you for your interest in associating with us and extend our warm welcome in joining our growing family of channel partners. We are pleased to allot code to you which has to be used by you for doing business. 

Backed by our proprietary technology, we are India’s premier online insurance comparison platform and web integrator.

We are Life and  Non Life Insurance Specialists.

With us, you can deal In all types of  Financial & Investment Products through Single Code

You can qualify FY Contest for all products & achieve respective contest slab as per your convenience – monthly / quarterly/ annually.

Online transaction facility Is available through portal.

Your login details for accessing software Sales Point Online Policy Bazaar has been sent to your registered e-mail id / mobile number. 

We are looking for Brand Ambassadors.

We assume you want to achieve something great in life and have  passion & compassion by helping people in realizing their dreams & plan their life goals better financially 

Comply T&C by Govt of India, State Govts, UTS, SEBI, AMFI , RBI, NHB, IRDA, RERA and other authorities.

Provide copy of AMFI, NISM, EUIN, IRDA, RERA and other relevant certificates if applicable.

If you have any further query please feel free to contact your relationship manager. 

Assuring our best services at all times. 

Regards

For Team Distribution 

Sales Point Online (SPO),  Policy Bazaar 

Note : This is a computer generated letter and does not need any signature 

 

Terms & Conditions:-

  • As you are aware, before being engaged in selling and marketing of financial products, you are required to submit certain examination passing certificates and regulatory registration certificates with us for activation of particular segments. If yet these are not submitted by you, please submit the same or acquire and apply through us
  • For selling MF related products, pass mutual fund distributor module exam of NCFM / Series V-A exam of NISM and submit EUIN/ ARN certificate with us
  • For selling insurance related products (life/ health/ general), pass IRDAI and submit license certificate with us (marks to obtain 18/ 50)
  • We can help in acquiring IRDAI license. The parent company which will help us in certification, requires min business login of Rs 21,000 to validate license for 3 years from the date of issue
  • In case we help you acquire IRDAI license, the non fulfillment of min business guaranteed (MBG) will lead to min performance standard (MPS) which will lead to code block or commission on hold. To unblock code or to release the commission, min business login of Rs 21,000 is required
  • Cost of exam to be incurred by the candidate
  • Mock tests, study material, tutorials are available online. Please contact your RM for the same
  • After fee submission, examination  will be held in allotted test center across length and breadth of the country as per convenience of the candidate in his/her  preferred language (Grace marks 17/ 50 to pass)
  • Absenteeism in examination will result in resubmission of exam fee.
  • After submission of fee, Upto 2 free attempts are allowed to appear in exam in case of fail (marks < 17 /50)
  • Free Look cancellation period is 15 days for health insurance and 30 days for life insurance
  • Payments are processed on 7-11th of every month for the business achieved 30 days from the  date of issuance
  • Other Commission release Payout cycles are 14-18th, 25-30th   of every month for the business achieved 30 days from the  date of issuance
  • In case of negative business ( Cheque bounce recovery cases , reject status, lapsed/ terminated status, Return to sales- RTS, Persistency/ Renewal , Moral Hazard Report – MHR , negative retention recovery, premium/plan difference recovery, Proposal Stage Calling – PSC ) , the same will be adjusted from total slab of a particular business cycle
  • For renewal payout, Agency/ Parent/Team Leader/ Nominator/ Mentor/ Master / Referral Data Provider needs to be active in system with  min 12 policies, otherwise Nominator  gets 5% of the commission earned by the agent under him/ her (for 1st 6 months only).  Thereafter deal directly with sub-agent . Extension can be given based on performance and persistency with due approval from authority
  • For renewal payout, Family Welfare Consultant (FWC)/ Financial Planning Advisor (FPA)/ Child Affiliate/ Sub broker/Advisor / Channel Partner/ Distributor/ Agent/ Business Associate (BA)/Point of Sale (POS)/ Mentee needs to be active in system with  min 12 policies. Extension can be given based on performance and persistency with due approval from authority
  • Percentage of Payouts can be increased as per achievement slab of FY contest or commission structure
  • Eligible for 4 International and Domestic Tours (1 in each quarter)
  • One can opt for Special Deals . In such a case, a fixed percentage of brokerage/ commission is disbursed along with exclusion from FY contest. Contact your RM
  • Some products are offline and certain products are available online. While login, contact your relationship manager. Offline cases are mapped to your code after raising requisite ticket
  • Adding family members/ relatives    including siblings,  parents, step parents, spouse, son, daughter, step-son, step-daughter, son-in-law, daughter-in-law, father-in-law, mother-in- law   etc  under your team tree will lead to compliance and non eligibility of reference bonus. 
  • Any business not fulfilling guidelines of the Regulators like SEBI/ AMFI/ RBI/ NHB etc will be excluded. Kindly follow Code of Conduct of Regulators while selling schemes
  • Contest achievements under the program are neither transferable nor assignable
  • The benefits if not availed during the FY of applicability /delivery shall not be carried forward and shall hence lapse
  • The decision of company in computation of the achievements shall be final and binding and no correspondence of dispute/ challenge will be entertained

  • The agent has represented to the Company that:

(a)He/she does not suffer from any of the disqualifications specified under the appointment of Insurance Agents Regulations 2016 issued by the IRDAI on 15th April, 2016, as amended from time to time (“Regulations”), and has undergone 25 hours of insurance training and has the requisite insurance knowledge to appear for insurance agency examination that is necessary to solicit and procure life insurance business.

(b)There are no disputes, litigations, adverse judgments, orders, injunctions, claims, prosecutions pending/threatened/passed against the Agent, which may have an adverse effect or impede in any manner, the performance of his/her obligations as an Agent of the Company;

(c)He/she is not included in the centralized list of blacklisted agents as published by IRDAI from time to time;

(d) He/she has read and understood all applicable laws and regulations including the Regulations and undertakes to comply with the same at all times;

  • On appointment as an Agent during the Term (as defined hereinafter) the Agent shall carry out the following activities: (a) solicit and procure the Products offered by the Company;

(b) ensure that any use and/or distribution of any advertising material in respect of the Company or the Products is in accordance with the procedure intimated by the Company from time to time and all applicable laws and regulations;

(c) endeavor to conserve the insurance business already secured by the Company;

(d) collect the first premium from the customers in accordance with the provisions of applicable law, including Section 64VB of the Insurance Act 1938, as amended from time to time and deposit such premiums immediately with the concerned branch office of the Company in accordance with the provisions of applicable law, including Section 64VB of the Insurance Act 1938, as amended from time to time;

(e) undertake all such activities as may be required by the Company from time to time in relation to solicitation and procurement of the Products

  • The Agent shall, with a view to conserving the insurance business already secured for the Company, maintain contact with all persons who have become policyholders of the Company through him/her, and shall: (a) give oral and written notice to the policyholder to ensure that every installment of insurance premium is paid by the policyholder to the Company within the specified time frame for such payment; and

(b) endeavor to prevent the lapsing/cancellation of a policy.  

  • During the Term of his/her engagement by the Company the Agent shall: (a) undergo, from time to time, such training and pass such tests as may be specified by the Company and/or as prescribed under the provisions of applicable law, including the Regulations and any other regulations which are issued by the IRDAI or any competent authority from time to time;

(b) comply with all provisions of applicable law including, the provisions of the Insurance Act 1938, the Regulations;

(c) conduct business with prospective customers and policyholders with the highest standards of honesty and integrity and shall always act in accordance with the ‘Code of Conduct’ set out in Section 8 of the Regulations read with Schedule I.;

(d) maintain good insurance knowledge of general and special policy conditions of all the Products as per the standards required by the Company;

(e) comply with the performance standards, benchmarks, targets, instructions and rules in relation to the conduct, performance and activities of the Agent contained herein or as prescribed by the Company from time to time;

(f) ensure that the contents of the proposal form are read out and fully explained to the proposer/policyholder and the proposal forms do not carry any over-writings, unwarranted or incorrect additions or deletions;

(g) comply with all Operating Procedures’ of the Company;

(h) convey to policyholders that benefits under the Products is subject to the applicable terms and conditions of the Product and is not guaranteed in all circumstances;

(i) use only the authorized methods of advertising, promotion and other written materials provided or authorized by the Company in accordance with applicable law;

(j) assist all customers in exercising options and in any general communication that they may have with the Company;

(k) maintain books, accounts and records required by the Company and at all times keep them open for inspection by the Company and/or IRDAI;

(l) participate in trainings as may be organized by the Company from time to time; and

 (m) immediately inform the Company about any change in his/her personal data, including change in address, contact details, name and surname etc bank account details.

  • During the term of his/her engagement by the Company, the Agent shall not: (a) interfere with any proposal introduced by any other agent of the Company;

(b) carry out activities detrimental to the business of the Company;

(c) decide on acceptance or refusal of any proposal of a prospective customer;

(d) enter into and/or sign any policy or contract of any kind on behalf of the Company;

(e) provide a cover note or make any other promise binding the Company;

(f) solicit or procure insurance business without holding a valid Identity Card issued by the Company in accordance with Company policies, all applicable laws and regulations;

(g) offer to rebate all or part of his/her commissions in order to obtain new business;

(h) provide the policyholder with any scheme for deferment of premium payment or change in any manner relating to payment of premiums, the amount, frequency of installments or any other change which is not offered by the Company;

(i) duplicate the Company’s materials or use them in any way other than as authorized by the Company;

(j) accept premium in cash from the customer in excess of the limits specified by the Company or accept any premiums in his/her own name;

(k) assist in or personally take away, replicate or misappropriate any policyholder/customer or Company’s data, either physically or electronically;

(l) engage in the marketing of products over any distance marketing modes; or

(m) tie or bundle insurance compulsorily with any other product or service or

(n) resort to multilevel marketing for soliciting and procuring insurance policies and/or induct any prospect/policyholder into a multilevel level marketing scheme; or

(o) induce the prospect to submit wrong information in the proposal form or documents submitted to the insurer for acceptance of the proposal; or

(p) induce the prospect to omit any material information in the proposal form

  • The Agent shall ensure that Products solicited and procured by him/her have been solicited and procured in compliance with the provisions of applicable laws and regulations.
  • The Agent undertakes that he/she shall not indulge in mis selling at any time.
  • Mis selling shall include any advice, statement, act, omission or practice of, given or made in connection with soliciting and procuring the Products, provided, offered or sold by the Company that:

(a) are in breach of or in contravention of the applicable laws or regulation; or

(b) are in breach of the obligations of the Agent as set out herein and under the Regulations;

  • (c) give rise to any other form of legal liability for the Company, which relates to: (i) the disclosure of the nature of the Products as policies of insurance; (ii) Product projections and illustrations; (iii) deceptive acts or practices or fraud relating to the sales and marketing of insurance or annuities; or (iv) the disclosure, filing and other requirements with respect to any variation in premiums or other charges resulting from the time at which such premiums or charges are paid.
  • In the event of Mis-selling, the Company reserves the right to recover the following from the Agent: (a) damages as mentioned in clause below including any premium refunded to the customer (in case of a Unit Linked Product) adjusted from the fund value payable to him/her along with any compensation or damages paid to the customer.
  • damages as mentioned in clause below  including any premium refunded to the customer (in case of a Non Unit Linked Product) and with along with compensation or damages paid to the customer
  • The company shall provide instructions and training to the Agent, from time to time and acquaint the Agent with all the requirements
  • The Company shall provide the Agent without undue delay, all necessary information relating to the general and special conditions governing the Products and the types of insurance policies offered by the Company. Notwithstanding anything contained herein, the Company has a right to modify or withdraw existing Products or introduce new Products at its sole and absolute discretion.
  • The Company shall provide the Agent with application forms, provisional receipts of first premium, promotional material and any other written materials, that the Company, solely at its discretion, considers necessary and desirable at a charge determined by the Company.
  • As compensation for the discharge of all his/her functions as per the terms and conditions, the Agent shall receive a commission for the insurance policies and renewal commission for renewal of the insurance policies procured by the Agent from the Company at the specified rates and on terms specified in accordance with the Board approved policy of the Company, as amended from time to time.
  • The Company shall specify the rate at which the commission and renewal commission shall be paid by the Company, including the other benefits, if applicable, as per the board approved policy of the Company. The commission rates will be available on inquiry at the Company’s office during the working hours and are subject to change basis the Company’s sole discretion by providing fifteen (15) days prior written notice to the Agent. The Company in its own discretion may intimate the change by way of display of notices at the branches, Company’s website, through email, the web portal to which the Agent has access or written notice through courier or ordinary post. Intimation by the Company through the above mentioned mode shall tantamount to notice to the Agent by the Company.
  • Agent shall become entitled to receive a commission if a policy contract between the Company and any customer, whose policy has been solicited by the Agent, is executed and the policyholder is issued a policy contact and first premium paid by the customer/prospect is credited into Company’s bank account and subject to the expiry of free look period.
  • The Agent shall not become entitled to a commission if any policy contract is concluded without the Agent’s assistance and where the Agent fails to assist the Company.
  • In the event the Company refunds the premium amount, or any part thereof, to a policyholder, in respect of the insurance policy sold to him by the Agent, for any reason whatsoever, the Agent shall be liable to refund to the Company the proportionate amount of the commission paid to him/her for such insurance policy.
  • The Agent shall repay to the Company the commission received by the Agent in respect of an insurance policy sold by the Agent, proportionately, if the insurance policy is lapsed or cancelled before the entire premium payable for the first (1st) year of the insurance policy is received by the Company. For avoidance of doubt, it is clarified that the commission paid to the Agent on the first (1st) year premium shall be deemed to have accrued to the Agent only once the policyholder has paid the entire premium for the first (1st) year else a proportionate amount of the commission paid to the Agent for premium received by the Company during the first (1st) year shall be refunded by the Agent to the Company.

  • The commission refundable by the Agent to the Company under clause  above may be adjusted and, or, set off against the commission or any other amounts payable by the Company to the Agent.
  • The Company has a right to collect non-refundable fee including any other charges by whatsoever name called from the Agent, as decided by the Company from time to time, in respect of the expenses incurred by the Company to enable you to become and act as an Agent of the Company, as may be specified by the Company and/or as prescribed under the IRDAI regulations / guidelines applicable to insurance agents from time to time. The fee / charges plus applicable tax may be collected from the Agent along with the application for appointment. The Agent shall not be entitled to seek refund of the fee / charges from the Company for any reason whatsoever.
  • The Company reserves the right to recover damages for the losses suffered by the Company due to any act of the Agent which is detrimental to the reputation or business of the Company including but not limited to damages, costs, claims, demands, prosecutions, proceedings and expenses (including reasonable attorney’s fees) resulting from, relating to, or arising out of the misuse or alleged misuse of any information provided or made available or falling accessible to the Agent by virtue of this Agreement or arising out of the breach, fraud, negligence, default or non performance of the activities and responsibilities as mentioned under this Agreement . This clause shall survive the expiry/termination Term.
  • Where the Agent has sourced a policy on his own life, he shall be entitled to receive the commission on such policy subject to him complying with the following conditions:

(i) He must have sourced policies on at least six (06) different lives (excluding his own); and

(ii) he must have been an insurance agent continuously from the time of sourcing the first policy on each of such 6 lives or proposing for the policy on his own life till the time of issuance of policies on those 6 lives and his own.

  • The payment of the commission by the Company to the Agent shall be subject to deduction of applicable taxes under the Income Tax Act, 1961 and other applicable laws. The commission payable by the Company under these terms and condition shall be inclusive of all cost, expenses, charges, taxes and levies, including Service Tax, Goods and service Tax (GST) and other applicable taxes, at present or levied by the Authorities, from time to time which might be incurred or paid by the Agent during and with regard to the performance of the functions and obligations of the Agent. The Company shall pay the commission net of Service taxes to the agent and the Company shall be responsible for depositing the tax with the Revenue Authorities in accordance with the applicable laws.
  • The Company may, at its sole and absolute discretion pay incentives to the Agent as per the board approved policy and in the manner and at the rate as may be determined by the Company from time to time as per applicable laws and upon the Agent fulfilling the criteria for receiving such payments as may be prescribed by the Company. For the avoidance of doubt, the Agent understand and agrees that he/she shall not be entitled as a matter of right any incentives at any time during the continuance of the relationship between the Agent and the Company which shall be paid by the Company at its sole and absolute discretion.
  • The Company may, at its sole and absolute discretion, provide the Agent with access to other benefits in accordance with the Company’s schemes/programs notified from time to time and subject to the Agent fulfilling the criteria for availing the benefit.
  • The Company may from time to time introduce initiatives to reward or benefit the Agent and may in its discretion define and prescribe eligibility and maintenance criteria for the same. The Agent agrees to accept and abide by policy directives with respect to any rewards or benefits issued by the Company from time to time and terms and conditions prescribed therein.
  • The terms and conditions for hereditary commissions shall be in line with the Company’s Board approved policy as amended from time to time. The Agent is required to be abreast with the same at all times.
  • The Agent acknowledges and understands that the Company will be making substantial investment in relation to his training and other related activities.
  • All property, monies, documents, papers received by the Agent for and/or on behalf of the Company shall be received by the Agent in a fiduciary capacity, on trust for the Company, and the Agent shall have no right or lien over the same including no right to set-off the same towards his commission or any other payment due and payable by the Company. Any moneys shall be accounted for promptly and separately from any other moneys including personal moneys of the Agent and shall not be used for any personal or any other purpose whatsoever but shall be immediately, without delay, made over to the Company.
  • The Agent undertakes to adhere to and always be compliant with all applicable laws and regulations, including the Know Your Customer and Anti-Money Laundering guidelines prescribed by the IRDAI or any other governmental or regulatory authority from time to time.
  • Any tax liability arising on account of the benefits/ privileges shall be borne entirely by business associate
  • The company reserves the right to insert/alter/add/modify/withdraw/suspend (fully or partially) any clause of the contest or the contest itself of the said program including the benefits/privileges and T &C without any prior notice. In such an event post facto notification would be sent to levels at or above RM from R&R Dept
  • The weighted premium/ WRP/ PC/ APE will be considered net of all applicable taxes. GST will not be taken into consideration while calculating weighted PC in contest
  • FLC period is to be considered for 40 days, post the last date of contest. Any FLC during the contest period will be deducted from WRP achievement
  • The Agent acknowledges and agrees that the Company has relied on the information and documentation submitted by the Agent to the Company along with the application form and the representations, warranties, declarations and undertakings provided by the Agent.
  • The Agent has represented and warranted to the Company that all the information and documentation submitted to the Company in and along with the application of the Agent is true, complete and accurate.
  • There shall be no consideration for CAMS delay/ RTS/ in transit cases
  • Any policy that has been given credit in previous contest shall not be given credit in the running contest
  • Qualifiers may be disqualified if they have been issued a show cause notice or have any pending investigation against them
  • FPA qualification will also depend on FPA’s performance on Quality Parameters
  • Company reserves the right to claw-back the given reward

(a) in case of cancellation of any policy considered in the contest

 (b) in case of terminated advisors

  • Eligible Schemes: MF Lump-sum & MF SIP: All Equity & Hybrid schemes (excluding Index Funds & Arbitrage Funds), GI: only HI, LI: only Edw & MB 15 Yrs+
  • Equity SIP Qualification Criteria: SIPs Book means the Monthly Throughput value of all SIPs registered under an ARN Code, SIPs of minimum 84 months tenure with minimum amount of Rs.2000/- (for monthly contest Rs.1000/-) will be considered & Weightage of all SIPs of an individual is capped at Rs.10000/-per individual (PER PAN) i.e. SIPs of an individual with monthly Input value of more than Rs.10000 will be treated as of Rs.10000/- input value
  • MF Lump-sum & SIP Qualification applicable only for schemes of DSP / TATA / KOTAK / IDBI / AXIS / SUNDARAM / PRINCIPAL / BIRLA / MIRAE / ICICI PRU / FRANKLIN / L&T / IDFC / SBI / RELIANCE / HDFC / CANRA / UTI /INVESCO mutual funds.
  • Fixed Deposits Qualification applicable only for schemes of HDFC / DHFL/ PNB Housing / STFC / Bajaj Fin / Mahindra Fin / OMAXE
  • Net Business ( MF Lump-sum/MF SIP/FD/LI/GI) value = Value of Business successfully registered during the contest period – minus (Less) value of any Business redeemed or withdrawn from MF/FD/LI/GI / etc. or SIP & RD cancellation during the contest period.
  • Company shall be entitled to recover the cost of contest if winner was not eligible for the contest.
  • In case company incurs exam cost, company shall be entitled to recover the cost of exam if candidate’s performance is not upto the mark as per evaluation form
  • Contest is applicable for card rates business only if any additional payout is approved that business will be excluded.
  • Contest slabs and terms and conditions may change any time due to change in receivable brokerage structure and change in regulatory body norms
  • Above mentioned contest slabs and terms and conditions have been changed /modified after SEBI Circular Dated 22-10-2018.
  • Premium collected is the first premium collected at the time of proposal login. This however does not include 2nd month premium collected for monthly mode policies
  • Active FPA refers to any FPA getting active with min. weighted PC of INR 50,000 (the min. required PC can be achieved with multiple policies) during a calendar month
  • Training convention seats cannot be redeemed for cash/ other modes of payouts
  • Brokerage is transferred in agent’s Paytm wallet. Commission to be earned is Rs 50,000 for brokerage to be received in agent’s bank account
  • For Mentor, Team Training & Development Fee/ Reference Bonus: Mentor will be eligible for 5% of the commission earned by the agent under him/ her on completion of recruitment and activation process as defined by the company from time to time.  (Applicable for LI/ HI/ GI only) (Not applicable for loan and MF category)
  • For Mentor, Agent Recruitment Fee : Mentor will be eligible for a specified amount per agent for one time fee payable on monthly basis for referring prospective agents to us and assisting us in recruitment of high quality agents on monthly basis. The fee is payable on completion of recruitment and activation process as defined by the company from time to time.  (Applicable for LI/ HI/ GI only) (min Premium Collected  for LI Rs 50,000 Per Annum  / min PC for HI Rs 50,000 PA/ min PC for GI Rs 1,00,000 PA) (T&C Apply). Contact your RM
  • For Mentor, New Agent Development Fee : Mentor will be eligible for a specified amount per agent for one time slab based fees on  monthly basis development and activation (as per the modules prescribed by the Company) of the agents within 0+3 months of being appointed.  (Applicable for LI/ HI/ GI only)
  • For Mentor, Team Support Allowance : Mentor will be eligible for a specified amount per agent for  one time slab based   monthly allowance basis the no. of existing agents being developed by mentor and raising performance level of the team as defined by the Company. (Applicable for LI/ HI/ GI only)
  • For Mentor, Mentorship Level/ Club Available: Bronze, Silver, Gold, Diamond, Platinum
  • For Mentor, Annual Grade Achievement Bonus available as per mentorship level
  • Agent Idol/ Club Membership : Agent is eligible for Certificate of Appreciation, Branded Customized Pen, Branded Planner, Sales Kit, Personalized Visiting Cards, Bag, Surprise Gift, Trophy, Medal, Plaque, Cash payouts, Extra Credit for Monthly Contest on activation as per slab basis
  • Agent Champion League: Agent is eligible for National and international convention for interaction with leadership Team, Life cover Rs 30 Lac, Health Check up voucher, Extra payouts over and above commission, Accidental Cover of Rs 1 Cr, Stationary, Gift Vouchers, AUM based payouts, Consistency and Performance payouts, Servicing Support, Priority Query Resolution, Travel Reimbursement on activation as per slab basis

 

 

 

 

 

 

  • Career Path – Benefits and Compensation :  As a Concept, Career and as  Brand   (a) Entrepreneurship Pathway  (Explorer/ Builder/ Practitioner) – Increasing Income (b) Management Pathway  (AM/ BM/ RM) – Bigger Responsibilities (c) Consultant Trainer
  • The Company shall have a first lien on all monies payable to the Agent or his/her legal heirs pursuant to his appointment to secure any debt/loan/advance of any nature whatsoever extended by the Company to the Agent and the Company may, at its sole and absolute discretion, apply such monies towards the settlement of such debt/loan/advance. The Company shall be entitled to set-off, adjust or otherwise withhold the commission payable to the Agent in accordance with the terms of his appointment against any debt/loan/advance extended by the Company to the Agent. 
  • The Company shall have a lien on all documents, including cheques (given along with proposal forms in favour of the Company and supporting documents) and statements and records of the Agent maintained in relation to the Products and shall be entitled to recover the same at anytime during the Term or after the termination/expiry of this agency contract.
  • Nothing herein shall be construed as constituting an employer-employee, partnership or joint venture relationship between the Company and the Agent.
  • All notices shall be deemed to be served on the Agent on the third day following the dispatch by courier/mail or where such notice is delivered by hand, at the time it is handed over to the Agent or on the same day of transmission, if sent by email and no delivery failure message has been received. Notices shall be sent to  the Agent at his/her last known address available under records.
  • The Agent hereby authorizes the Company and/or any of the Company’s authorized representatives or third party service providers to collect or obtain or retain any information from the past/present employers/business associates of the Agent.
  • The Agent consents to the transfer of his/her sensitive information or personal data by the Company to any other body corporate, third party vendors or other person in India or outside, for a lawful purpose connected with a function or activity of the Company including but not limited to trainers, data processors, auditors etc.
  • All the rights and obligations of the Agent are non- assignable.
  • All information and documentation provided by the Company to the Agent, Including but not limited to, all information in relation to the products, training modules, policyholder/prospect data etc, shall be and remains the sole property of the Company and shall be of a strictly private and confidential nature and shall be treated as confidential by the Agent.
  • The Agent shall not in any way make use of the information, documentation or any information relating to the Products provided by Company, otherwise than in accordance with the terms of his appointment, or divulge such information or any part thereof to anyone unless such information has been publicly released or becomes generally known to the public from other sources or is otherwise required to be disclosed under applicable law or pursuant to an order of any governmental or regulatory authority.  The provisions of this clause shall survive the termination/expiry of this agency contract
  • Any disputes or claims arising out of or in connection with the appointment letter of the Agent and its subject matter shall be governed exclusively and construed in accordance with Indian Laws and the courts at New Delhi shall have exclusive jurisdiction in respect of all matters and disputes arising there of or related thereto.  The provisions of this clause shall survive the termination and expiry of this agency contract.
  • Any failure of the Company in any instance, to cancel or suspend the agency appointment of the Agent when cause for such cancellation or suspension exists, or to insist upon compliance with any of the limitations, terms, provisions and conditions of his appointment, shall not be construed as a waiver of any of the Company’s rights or of any such limitations, terms, provisions and conditions, or of the right of the Company to thereafter enforce its rights and/or insist upon such compliance. The provisions of this clause shall survive the cancellation or suspension of appointment of the Agent.
  • If any provision of the Agent’s appointment letter shall be determined to be invalid or unenforceable under Indian law, such provision shall be deemed severed from the appointment letter and a valid provision to be mutually agreed upon shall be substituted. The remaining provisions of the appointment letter shall remain in full force and effect, and shall be construed and interpreted in a manner that corresponds as far as possible with the intentions of the parties as expressed in the appointment letter.

Term and Termination –

  • These Terms and Conditions shall be effective for a period of three years commencing from the date of your appointment as an Agent unless terminated earlier in accordance with the provisions of this clause 7 and the provisions of applicable law (‘Term’). Unless terminated by the Company, the Term shall automatically stand renewed for a period of three (3) years each, subject to the Agent complying with the renewal requirements laid down by the Company
  • The Company has the right to terminate the relationship with the Agent immediately if any of the following events happen:
  • If the Agent violates the provisions of the Regulations, Insurance Act 1938 or rules or any guidelines, made there under as amended from time to time; or

(b) If the Agent fails to comply with the code of conduct as set out in Schedule I and the directions issued by the IRDAI from time to time;

(c) If the Agent violates the terms of this appointment ; or

(d) If the Agent fails to furnish any information relating to his/her activities as an agent as required by the Company or the IRDAI; or

(e) If the Agent fails to comply with the directions issued by the IRDAI from time to time; or

(f) If the Agent furnishes wrong or false information or conceals or fails to disclose material facts in the application submitted for appointment of the Agent or during the Term; or

(g) If the Agent does not submit periodical returns as required by the Company or the IRDAI; or

(h) If the Agent does not co-operate with any inspection or enquiry conducted by the IRDAI or by the Company; or

(i) If the Agent fails to resolve the complaints of the policyholders or fails to give a satisfactory reply to the IRDAI or the Company in this behalf; or

(j) If the Agent fails/neglects to discharge his functions and duties to the satisfaction of the Company; or

(k) If the Agent acts in a manner prejudicial to the interest of the Company or to the interest of its policyholders or commits any fraud, negligence or misconduct or if it comes to the knowledge of the Company that the Agent has furnished false/fabricated information of the Company in respect of any proposal; or

(l) If the Agent is found to have committed theft, misuse or misappropriation of the data of the Company or the consumers; or

(m) If the Agent fails to undergo from time to time, specified trainings or to pass the specified tests, as required by the Company and/or as prescribed under applicable laws and guidelines, including the Regulations; or

(n) If the Agent suffers from any of the disqualification listed under Section 42 of the Insurance Act 1938; or

(o) If the Agent is in default of any instruction given by the Company from time to time; or

(p) If the Agent is in breach of the Regulations; or

(q) If the Agent fails to bring the minimum business of one insurance policy and insurance premium amounting to Rs.10, 000/-annually or as may be determined by the Company from time to time.

  • The appointment of the Agent shall stand terminated on the death of the Agent.
  • Notwithstanding anything contained herein the Company may terminate the relationship for any reason whatsoever upon providing a prior written notice of thirty (30) days to the Agent. During such notice period the Agent shall not represent himself/herself to be a representative or agent of the Company to any person.
  • In all cases, prior to termination of the appointment of the Agent in accordance with the provisions of this clause 7, the Agent will be provided a prior notice and a reasonable opportunity of being heard. In addition, the appointment of the Agent shall not be terminated until an enquiry is conducted in accordance with the Regulations.
  • The Company shall appoint an enquiry officer for conducting the enquiry in relation to termination of the appointment of the Agent in accordance with the procedure specified in the Regulations. The enquiry officer shall make all the necessary efforts to complete the enquiry process at the earliest and in no case in more than forty five (45) days from the date of commencement of the enquiry. After taking into account all the relevant facts and submissions made by the Agent, the enquiry officer shall furnish a report stating his recommendations to the officer designated by the Company (“Designated Officer”). The Designated Officer shall pass a final order in writing and state the reasons for the termination in such order, which shall be communicated to the Agent. The Agent shall cease to act as an insurance agent of the Company from the date of the final order.
  • In the event that the Agent is aggrieved by the order of termination passed by the Designated Officer the Agent can appeal to the Company within three (03) months from the date of the receipt of theorder. In such event, the appointed appellate officer of the Company shall examine the appeal and give his decision in the matter in writing within thirty (30) days of the receipt of the appeal.
  • The Agent shall surrender the insurance agency granted to him by the Company by surrendering his/her appointment letter and his/her identity card to the Designated Officer. The Company shall issue a cessation certificate to the Agent in accordance with the Regulations within 15 days from the date of resignation or surrender of appointment
  • Upon the expiry of the Term or early termination of the relationship with the Company in accordance with the provisions of this clause 7, the Agent shall forthwith return to the Company his/her identity card issued by the Company, the copy of his appointment letter in his/her possession and shall, without any delay or demur return and deliver to the Company all records, correspondence, forms, cheques, drafts, monies, documents and other effects or property belonging to the Company and/or relating to its business.
  • The Company may consider re-appointing the Agent only after a period of five (5) years has elapsed from the date of cancellation of his/her appointment

Restrictions after Termination –

  • After termination of the relationship with the Company, the Agent shall not carry out activities that could result in bringing an end or declining to conclude, any policy contract between the Company and a prospective customer. Further, after termination of the relationship with the Company the Agent shall not carry out any activities with a customer of the Company or with any person whose name and address the Agent becomes aware of on account of the performance of activities in accordance with the terms and conditions of his/her appointment with the Company.
  • After termination of the relationship, the Agent shall not share any data or information relating to the Company, or its existing or prospective customers with any person.
  • After termination of the relationship with the Company, the Agent shall not encourage any other Agent of the Company to terminate his/her agency or assist in his/her agency or assist in termination of his/her agency with the Company.
  • After termination of the relationship with the Company, the Agent undertakes that he/she shall not approach any policyholder with a view to offering him/her an insurance policy/product of any other insurer which has the consequence of resulting in the termination, lapse, withdrawal or replacement of the Products issued by the Company and held by such policyholder.
  • If the Agent is found to be indulging in any of the activities prohibited under the terms and conditions of his appointment or any activity which causes loss to the business or reputation of the Company, the Company reserves the right to initiate appropriate legal proceedings against him and /or recover damages. This clause shall survive the termination of the appointment of the Agent.

 

 Rights and Obligations following Termination –

  • No renewal commission shall be payable on any Products sourced after the cancellation or suspension of the Agent’s appointment unless such payment becomes due in accordance with the provisions of his appointment.
  • The Agent shall forthwith return to the Company all materials, proposal form, documents, stationary, client lists and other documentation regarding his activities as an insurance agent of the Company without retention of any copies thereof.
  • The Agent shall continue to maintain the confidentiality of personally identifiable data eg medical records of the prospect/policyholder etc, as well as any other information relating to the customers/prospect and policyholder with whom the Agent has interacted in relation to the performance of his obligations, including any trade secrets relating to the business activities of the Company.
  • After termination of the relationship between the Company and the Agent, the Agent undertakes that he/she shall return to the Company his/her identity card, all records, correspondence, forms, cheques, drafts, monies, documents and other effects or property belonging to the Company or relating to its business.
  • After termination of the relationship between the Company and the Agent, the Agent undertakes that he/she shall cease to use the intellectual property of the Company and return to the Company all advertising material and other unused promotional stocks and policyholders material and associated documents or destroy the same, as instructed by the Company.

Indemnity –

  • The Agent agrees and undertakes to keep and hold the Company indemnified and harmless against all damages, costs, losses, expenses, claims, liabilities, demands, proceedings (including, without prejudice to the generality of the foregoing, all costs and expenses which the Company may incur in defending any proceedings) which may be caused to or suffered by the Company due to:

(a) any breach, default or non performance of the terms and conditions of his/her appointment as the Agent;

(b) any non compliance with any statutory or legal requirements by the Agent;

(c) any unauthorized/improper/negligent act or omission, fraud by the Agent;

(d) any misuse or alleged misuse of any information provided or made available or falling accessible to the Agent by virtue of his appointment as an Agent of the Company;

(e) any loss incurred by the Company due to any unethical sales practices/ violation of the code of conduct by the Agent described under the Regulation; or

(f) misappropriation of premium money by the Agent.

  • The provisions of this clause shall survive the termination/expiry of the agency contract of the Agent.

Illegal Gratification, Bribery and Corruption

  • The Agent hereby represents that he/she shall not give or promise to give any money or gift to any employee/official of the Company to influence his/her decisions regarding the relationship, nor shall he/she exert or utilize any unlawful influence to solicit or secure this relationship through a promise to pay a commission, percentage, brokerage or contingent fee. Further, the Agent warrants that he/she shall not give or promise any money or gift, or exert or utilize any unlawful influence during the existence of this relationship or to secure or solicit any extension thereof.
  • It is agreed that breach of this representation and warranty clause shall be sufficient grounds for the Company to terminate the insurance agency of the Agent without prejudice to any other rights that the Company or any of its officers or representatives’ may have under applicable laws. Breach of this clause shall also be a sufficient ground for the Company to withhold any and all payments which may be due to the Agent and for the Company to initiate legal action against the Agent as it may deem necessary in its sole and absolute discretion.
  • The Agent hereby undertakes that he/she shall not make or promise to make any unlawful payment to:

(a) A public official; or

(b) A political candidate, party or party official; or

(c) Any private sector employee (including a person who directs or works for a private sector enterprise in any capacity)

to perform or expedite his/ her performance of the duties he/she is already bound to perform under law or to obtain, retain, direct business or to secure any other advantage in the conduct of business in any manner whatsoever.

Criteria to be a Master/ Nominator –

  • Performance Benchmark: Min 10 POS  to be empanelled and 2 new Active POS every month for next 12 month from Master Status
  • 50 % POS need to be active through any product line in a business cycle
  • Direct business will be taken under consideration of Team revenue

 

Exception can be given based on performance and persistency with due approval from authority

MIS Report-

The MIS report shared at the end of each month containing

  1.      Working data for the respective month/year / Payout Released
  2.      Not process cases / Free look cases/ Reject Cases / Cheque Bounce cases etc
  3.      Payout structure/ Commission Chart
  4.      Celebrity agents
  5.      FY Contest
  6.      Mutual fund/ ELSS performance Sheet (Subject To Market Risk ), NFO , NCD, IPO etc
  7.      Eligibility of Reference bonus for Nominator- earned as 5 % on commission earned by your team for 1st  six months

           only if criteria not met (Refer T&C)

  1.      Team information/ referrals
  2.       Study material and Video Tutorial

MIS report can also be downloaded from Bookings section on your Dashboard Home Page

TEAM REFERRAL FORM

Nominator –

Business Associate Name :                                                           BA Code :                                             BA Ph. No :

To

The Relationship Manager

Sales Point, Policy Bazaar

Dear Sir/ Madam,
This is to inform you that  following candidate(s) is/are  referred by me, therefore referral  amount as per company contract should be paid to me–

  • Name of candidate :                                                      BA code:                              BA Ph. No. :

 

I am hereby submitting my Monthly Plan :

  • of Recruitments:
  • Exam applied for license (if any):
  • Activation of existing team:
  • Activation of new team:
  • Case size:
  • Case rate:
  • On Self Sourced Business, FYC earned :
  • Reference bonus earned through Team :
  • For Self Sourced Business, Contest Prize / Cash payout earned : 
  • Nominations of Self/ Team for International/ Domestic Award Ceremonies :

Nominator will be eligible for 5% of the commission earned by the agent under him/ her on completion of recruitment and activation process as defined by the company from time to time.  Eligibility of referral bonus is for 1st 6 months only.  Thereafter deal directly with sub-agent .

 Extension can be given based on performance and persistency with due approval from authority

I hereby confirm that I have read all T&C .

(Sign of Nominator along with Date)                                                              (Sign of RM along with Date)

Evaluation FORM

Nominator –

Business Associate Name :                                                           BA Code :                                             BA Ph. No :

To

The Relationship Manager

Sales Point, Policy Bazaar

Dear Sir/ Madam,
This is to inform you that I read all T&C of the company. Following candidate(s) was/were  referred by me,

  • Name of candidate :                                                      BA code:                              BA Ph. No. :

 

I submitted  my Monthly Plan at time of nomination :

 Particulars

Commitment

Performance

No. of  Recruitments:

Exam applied for license (if any):

Activation of existing team:

Activation of new team:

Case size:

Case rate:

On Self Sourced Business, FYC  earned :

Reference bonus earned through Team :

For Self Sourced Business, Contest Prize / Cash payout earned : 

Nominations of Self/ Team for International/ Domestic Award Ceremonies :

Extension Status :

(Sign of Nominator along with Date)                                                              (Sign of RM along with Date)

Excellence Awards

 

Business Associate Name :                                                           BA Code :                                             BA Ph. No :

Individual / Team Category :

  • Exemplar of the Month/Quarter – Max No. of Policy (NOP)
  • Bright Spark of the Month/ Quarter – Highest Premium
  • Fly High of the Month/ Quarter – Max Activation
  • Torchbearers of the Month/ Quarter – Max Recruitment
  • Tadka of the Month/ Quarter – Max Referrals
  • Value Leader – Groom his/ her Team
  • Path Breaker – On the Spot Category for best performer (Special Mentions)
  • Noble Deeds – Customer Focus
  • Wisemind – Understanding of Concepts
  • Brand Ambassador – Qualified National / International Trip

Nominations can be made by

  1. Mentor
  2. Business Associate
  3. As per MIS Report

Location : Anywhere across India

Criteria for reward for an Individual that has :

  • Understanding of the business and work environment
    • Performance
    • Taking initiative
    • Imbibing the culture and values of the organization
    • Displaying team and inter-personal effectiveness
    • Displaying customer focus
  • Have suggested a way or means of reducing/eliminating significant cost.

Criteria for reward for a  team that has:

  • Contributed significantly towards the achievement of the organization’s stated goals and objectives
  • Made a significant impact on:
  • Increasing topline and profitability,
  • Institutionalizing best in class processes and practices
  • Achieving customer (internal/external) delight
  • Built capability among it’s team members
  • Devised innovative solutions for resolving the problems at hand

Process Flow :  

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One comment on “Enrolled Candidates /Referrals/ Payouts- MIS Report – Sep- Oct 2018

  1. Pingback: Point of Sales Person (POS) | PJ & Associates- Wealth Management, Family welfare Consultant, Investment Portfolio Advisor Estate Planning, Tax Filing, Life/ Health/ Asset Insurance, Risk & Liabilities Strategist

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PJ & ASSOCIATES @ COVERFOX/RENEWBUY/ SMC/SALESPOINT POLICYBAZAAR/MINTPRO/GIRNAR/MULTILINK/SECURENOW/policyx/paynearby/iassure velocity/easy policy -WEB INTEGRATORS 71 companies.400 products-ONE PLATFORM Call +91-9971486715 , prernaji89.wordpress.com twitter.com/devil743 , facebook.com/er.prerna.jain , youtube.com/channel/UC-vO0dQrLqE8G1pRRvThrFA/videos , Instagram.com/devil743_orangecub_prernajain/ , linkedin.com/in/prernajain26 , Motor/Life/ Travel/ Marine/ Health/Property (Office/ Home)/ Pet/ Liability/ Fire- Burglary/Cancer Insurance, ULIP,  Personal Accident /Critical Illness /Business/ Corporate  Insurance .Keyman, Employer Employee. Married Woman Property Act.Partnership, HUF, Professional Indemnity, Workmen Compensation, Erection/Construction- All Risk, Contractor’s Plant & Machinery, Group Policy, Retirement- Pension/Annuity,Gratuity,Leave Encashment, Child –Education/ Marriage, NRI / High Net Worth Plan,  Handicap Dependent/ Child with  Special Needs, Pure Term/ Term with Return of Premium » Income Tax Return Filing. Accounts Writing/GST »Equity/Commodity, Securities, Stock Broking, DEMAT & Trading, Derivatives/Currency, Mutual Funds SIP/ Equity Linked  Savings Scheme , IPO /  Debentures, NFO /Portfolio Management Services .Fixed Deposit / Bonds For Collaboration, ph: ( +91)9971486715 INSPIRATION JOINT 》 Emcee Anchor Speaker Event manager Orator Trainer Radio / video jockey Presenter Voiceover artist Host Ventriloquist Launch your presence- blog content writing SEO/SMO ORANGE CUB if u cant adopt -foster if u cant foster - sponsor if u cant sponsor - volunteer if u cant volunteer- donate if u cant donate -educate/ network/cross post/ feed/ help EVERYONE CAN DO SOMETHING TO SAVE A Life. Help voiceless/ it's service to GoD Drive slow, stop for animal. Someone is waiting at home for u in your family & animal's too.. #gettyimages #metgala #fashion #commission #anchor #host #emcee #radiojockey #videojockey #voiceoverartist #ventriloquist #presenter #trainer #orator #loan #speaker #insurance #doggo #blogger #germanshephard #newsreader #journalist #mutualfunds #lifeinsurance #healthinsurance #coverfox #brokers #policybazaar #renewbuy
PJ & ASSOCIATES @ COVERFOX/RENEWBUY/ SMC/SALESPOINT POLICYBAZAAR/MINTPRO/GIRNAR/MULTILINK/SECURENOW/policyx/paynearby/iassure velocity/easy policy -WEB INTEGRATORS 71 companies.400 products-ONE PLATFORM Call +91-9971486715 , prernaji89.wordpress.com twitter.com/devil743 , facebook.com/er.prerna.jain , youtube.com/channel/UC-vO0dQrLqE8G1pRRvThrFA/videos , Instagram.com/devil743_orangecub_prernajain/ , linkedin.com/in/prernajain26 , Motor/Life/ Travel/ Marine/ Health/Property (Office/ Home)/ Pet/ Liability/ Fire- Burglary/Cancer Insurance, ULIP,  Personal Accident /Critical Illness /Business/ Corporate  Insurance .Keyman, Employer Employee. Married Woman Property Act.Partnership, HUF, Professional Indemnity, Workmen Compensation, Erection/Construction- All Risk, Contractor’s Plant & Machinery, Group Policy, Retirement- Pension/Annuity,Gratuity,Leave Encashment, Child –Education/ Marriage, NRI / High Net Worth Plan,  Handicap Dependent/ Child with  Special Needs, Pure Term/ Term with Return of Premium » Income Tax Return Filing. Accounts Writing/GST »Equity/Commodity, Securities, Stock Broking, DEMAT & Trading, Derivatives/Currency, Mutual Funds SIP/ Equity Linked  Savings Scheme , IPO /  Debentures, NFO /Portfolio Management Services .Fixed Deposit / Bonds For Collaboration, ph: ( +91)9971486715 INSPIRATION JOINT 》 Emcee Anchor Speaker Event manager Orator Trainer Radio / video jockey Presenter Voiceover artist Host Ventriloquist Launch your presence- blog content writing SEO/SMO ORANGE CUB if u cant adopt -foster if u cant foster - sponsor if u cant sponsor - volunteer if u cant volunteer- donate if u cnt donate -educate/ network/cross post/ feed/ help EVERYONE CAN DO SOMETHING TO SAVE A Life. Help voiceless/ it's service to GoD Drive slow, stop for animal. Someone is waiting at home for you in ur family & animal's too. #gettyimages #metgala #fashion #commission #anchor #host #emcee #radiojockey #videojockey #voiceoverartist #ventriloquist #presenter #trainer #orator #loan #speaker #insurance #doggo #blogger #germanshephard #newsreader #journalist #mutualfunds #lifeinsurance #healthinsurance #coverfox #brokers #policybazaar #renewbuy
PJ & ASSOCIATES @ COVERFOX/RENEWBUY/ SMC/SALESPOINT POLICYBAZAAR/MINTPRO/GIRNAR/MULTILINK/SECURENOW/policyx/paynearby/iassure velocity/easy policy -WEB INTEGRATORS 71 companies.400 products-ONE PLATFORM Call +91-9971486715 , prernaji89.wordpress.com twitter.com/devil743 , facebook.com/er.prerna.jain , youtube.com/channel/UC-vO0dQrLqE8G1pRRvThrFA/videos , Instagram.com/devil743_orangecub_prernajain/ , linkedin.com/in/prernajain26 , Motor/Life/ Travel/ Marine/ Health/Property (Office/ Home)/ Pet/ Liability/ Fire- Burglary/Cancer Insurance, ULIP,  Personal Accident /Critical Illness /Business/ Corporate  Insurance .Keyman, Employer Employee. Married Woman Property Act.Partnership, HUF, Professional Indemnity, Workmen Compensation, Erection/Construction- All Risk, Contractor’s Plant & Machinery, Group Policy, Retirement- Pension/Annuity,Gratuity,Leave Encashment, Child –Education/ Marriage, NRI / High Net Worth Plan,  Handicap Dependent/ Child with  Special Needs, Pure Term/ Term with Return of Premium » Income Tax Return Filing. Accounts Writing/GST »Equity/Commodity, Securities, Stock Broking, DEMAT & Trading, Derivatives/Currency, Mutual Funds SIP/ Equity Linked  Savings Scheme , IPO /  Debentures, NFO /Portfolio Management Services .Fixed Deposit / Bonds For Collaboration, ph: ( +91)9971486715 INSPIRATION JOINT 》 Emcee Anchor Speaker Event manager Orator Trainer Radio / video jockey Presenter Voiceover artist Host Ventriloquist Launch your presence- blog content writing SEO/SMO ORANGE CUB if u cant adopt -foster if u cant foster - sponsor if u cant sponsor - volunteer if u cant volunteer- donate if u cant donate -educate/ network/cross post/ feed/ help EVERYONE CAN DO SOMETHING TO SAVE A Life. Help voiceless/ it's service to GoD Drive slow, stop for animal. Someone is waiting at home for u in your family & animal's too.. #gettyimages #metgala #fashion #commission #anchor #host #emcee #radiojockey #videojockey #voiceoverartist #ventriloquist #presenter #trainer #orator #loan #speaker #insurance #doggo #blogger #germanshephard #newsreader #journalist #mutualfunds #lifeinsurance #healthinsurance #coverfox #brokers #policybazaar #renewbuy
PJ & ASSOCIATES @ COVERFOX/RENEWBUY/ SMC/SALESPOINT POLICYBAZAAR/MINTPRO/GIRNAR/MULTILINK/SECURENOW/policyx/paynearby/iassure velocity/easy policy -WEB INTEGRATORS 71 companies.400 products-ONE PLATFORM Call +91-9971486715 , prernaji89.wordpress.com twitter.com/devil743 , facebook.com/er.prerna.jain , youtube.com/channel/UC-vO0dQrLqE8G1pRRvThrFA/videos , Instagram.com/devil743_orangecub_prernajain/ , linkedin.com/in/prernajain26 , Motor/Life/ Travel/ Marine/ Health/Property (Office/ Home)/ Pet/ Liability/ Fire- Burglary/Cancer Insurance, ULIP,  Personal Accident /Critical Illness /Business/ Corporate  Insurance .Keyman, Employer Employee. Married Woman Property Act.Partnership, HUF, Professional Indemnity, Workmen Compensation, Erection/Construction- All Risk, Contractor’s Plant & Machinery, Group Policy, Retirement- Pension/Annuity,Gratuity,Leave Encashment, Child –Education/ Marriage, NRI / High Net Worth Plan,  Handicap Dependent/ Child with  Special Needs, Pure Term/ Term with Return of Premium » Income Tax Return Filing. Accounts Writing/GST »Equity/Commodity, Securities, Stock Broking, DEMAT & Trading, Derivatives/Currency, Mutual Funds SIP/ Equity Linked  Savings Scheme , IPO /  Debentures, NFO /Portfolio Management Services .Fixed Deposit / Bonds For Collaboration, ph: ( +91)9971486715 INSPIRATION JOINT 》 Emcee Anchor Speaker Event manager Orator Trainer Radio / video jockey Presenter Voiceover artist Host Ventriloquist Launch your presence- blog content writing SEO/SMO ORANGE CUB if u cant adopt -foster if u cant foster - sponsor if u cant sponsor - volunteer if u cant volunteer- donate if u cant donate -educate/ network/cross post/ feed/ help EVERY1 CAN DO SOMETHING TO SAVE A Life. Help voiceless/ it's service to GoD Drive slow, stop for animal. Someone is waiting at home for you in your family & animal's too. #gettyimages #metgala #fashion #commission #anchor #host #emcee #radiojockey #videojockey #voiceoverartist #ventriloquist #presenter #trainer #orator #loan #speaker #insurance #doggo #blogger #germanshephard #newsreader #journalist #mutualfunds #lifeinsurance #healthinsurance #coverfox #brokers #policybazaar #renewbuy
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