About Me
Manish Gupta
My name is Manish Gupta, and I represent A D Insurance & Investment Broking Services. I have been serving as an advisor in the insurance and investment market since June 2014. Through my experience, I have come to deeply appreciate the significance of insurance and investment in both our personal and business lives. In the market, I observed a proliferation of platforms that facilitate the sale of insurance and investment products without a true understanding of the unique needs of clients. Unfortunately, this often results in a lack of post-sales support for claims.
As an advisor, I take a different approach. I provide detailed information to our customers based on their specific requirements. This empowers them to select products that offer the highest benefits at the most reasonable cost among similar offerings. Additionally, we extend our services beyond the initial sale. This includes managing bonds, sending timely renewal reminders with updated options, and assisting with matters related to maturity and claims – all from a single, convenient platform.
The advantages of our service are manifold. Our customers save valuable time by dealing with a single, trusted source. They benefit from lower premiums, avail themselves of maximum discounts, and avoid falling prey to fraudulent sales tactics. Furthermore, their data is secure, and they have the peace of mind that comes from knowing they need only connect with one person for any claim or maturity-related matters.
Benefit purchase from single point
- Buying both insurance and investment products from a single agent can have several potential benefits:
- Comprehensive Financial Planning:
- Synchronized Coverage:
- Convenience and Efficiency:
- Tailored Solutions:
- Consistent Communication:
- Potential Cost Savings
- Holistic Risk Management:
- Long-term Relationship:
- Expertise and Knowledge:
An agent, often referred to as a Financial Advisor or Insurance Agent, plays a crucial role in helping you and your family manage your financial life.
Here is how an agent can assist you in maintaining financial needs, handling emergencies, achieving future goals, and building good investment habits:
🎯 Achieving Financial Needs and Future Goals
An agent acts as a financial guide to create a clear roadmap for your life goals.
| How the Agent Helps | Description |
| Needs Analysis | They conduct a thorough assessment of your financial situation, including your income, expenses, debts, and dependents. |
| Goal Quantification | They help you quantify your future goals (e.g., how much money will be needed for your child’s education or retirement, adjusting for inflation). |
| Product Recommendation | Based on your goals and risk tolerance, they recommend the right mix of insurance and investment products (like Term Plans, ULIPs, Mutual Funds, Pension Plans) to help you build the required corpus. |
| Customized Planning | They don’t offer a one-size-fits-all plan. They customize the insurance coverage and investment duration to match your specific timeline and requirements. |
🛡️ Managing Financial Emergency
The agent ensures your family is protected against sudden, unforeseen financial shocks.
| How the Agent Helps | Description |
| Risk Mitigation | They prioritize risk management by recommending adequate Health Insurance and Term Life Insurance. This ensures that medical costs or loss of income due to an untimely event do not derail your family’s finances. |
| Emergency Fund Guidance | They often advise on the importance of an emergency fund (liquid savings for 3-6 months’ expenses) and where to park that money safely. |
| Claim Support | In a genuine emergency (like a health claim or death claim), the agent is the single point of contact who helps your family navigate the complex claims process, providing crucial support during a difficult time. |
| Debt Protection | They can suggest insurance covers that specifically aim to clear outstanding loans (like home loans) in your absence, protecting your family from the burden of debt. |
📈 Building Investment Habits
An agent provides the necessary discipline and accountability to ensure you stay on track.
| How the Agent Helps | Description |
| Enforcing Discipline | By setting up products that require regular premium payments or SIPs (Systematic Investment Plans), they create an automatic and disciplined savings/investment habit. |
| Periodic Review | They conduct annual or periodic reviews of your financial plan to check if you are on track. If your income has grown or goals have changed, they suggest necessary adjustments. |
| Behavioral Coaching | They act as a behavioral coach, preventing you from making impulsive or emotional decisions (like stopping an SIP during a market dip) and keeping you focused on your long-term goals. |
| Simplifying Finance | They simplify complex financial and insurance jargon, making it easier for you to understand the product and stay committed to your plan. |
In essence, a financial agent provides expertise, discipline, and support, which are often the missing links in achieving personal financial success.