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Sharath Kotian Development Officer, Life Insurance Corporation Of India
 
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(rate this)
they should bother as it is connected to their self esteem :: 
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 they should not :: human psyche ::
taranath joshi  |  Argues in support of  "they should bother as it is connected to their self esteem ::"  |  3 years ago
When you post certain article, you have an anxiety whether it is liked by the reader or not. If thumbs up is there, your article is appealed. If thumbs down is there, I propose, there should be a reason. Some of my readers have given this to me....
Sharath Kotian  |  Argues in support of  |  3 years ago
Just keep on writing.  Whether you like the the thumbs up or down is immaterial. What you write is most important.  And thats what people read and like to read. We cant live without critics in this world.  The world is full of them.
Makrand Bhave  |  Argues in support of  "they should bother as it is connected to their self esteem ::"  |  3 years ago
Thumbs Down is a direct ATTCK on your thought that you have penned for people to read. On a platform like this its a very voluntary action when you write you seek approval. A thumbs Up can boost a persons morle and make the person pursue to learn...
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Debate: "Should the members of Toostep bother too much about thumbs up / down ?? or they should carry on writing ::" deleted from your view.
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(rate this)
1 Educate them on Insurance
2 Having Products that satisfies needs wants and demands
Ramachandran Mahadevan  |  Supported idea  "Educate them on Insurance "  |  2 years ago
Continuous education-awareness, learning for literates and illeterates-- is a necessity
Sharath Kotian  |  Added idea  |  3 years ago
Deeper penetration into their territories, understanding their requirements, are some of the vital points to be remembered while entering into the rural sector for Insurance.  While, in my opinion, even the urban people need better education regarding...
 
 
Ideate: "How to make Insurance relevant for masses??" deleted from your view.
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(rate this)
1 Create more certainity in the Environment
2 Lack of reach and low commission
Nikhil  |  Supported idea  "Lack of Education & Awareness among people regarding Gen Insurance"  |  2 years ago
  General Insurance covers following 1) Motor 2) Property 3) Miscellaneous 4) Marine 5) Fire 6) Liability 7) Ommissions etc There are various othere insurances also which I cannto cover here but these are justa few which we need to educate the...
Sharath Kotian  |  Added idea  |  3 years ago
Our state owned GIC and its 4 subsidiaries are competent enough to deal with the situation but only if the management changes its attitudes towards its field staff. Like Niranjan Meena says, and I agree that there is very poor commission structure and...
Alok Routray  |  Supported idea  "Create more certainity in the Environment"  |  3 years ago
Dear Mathew Its a great peace of infomation for me. I appreciate your efforts in taking toostep to the new heights of discussion.
 
 
Ideate: "India ranks very low in General insurance business - How to improve it?" deleted from your view.
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(rate this)
1 Online Consultancy
2 You gotcha be kidding!
Viktor Stephen  |  Supported idea  "You gotcha be kidding!"  |  3 years ago
"it would be great if you could prepare a blueprint on the three points as underlined by you in consultation with TOOSTEP Management." ~ Ajay Ziz What has Toostep Management got to do with this? I thought the idea was for the members to setup a...
Sharath Kotian  |  Added idea  |  3 years ago
I think toostep should start its own placement services.  In my opinion this would become immensely popular instantly.
Khalil Qureshi  |  Supported idea  "Online Consultancy"  |  3 years ago
I agree with Shaju, but we need to ensure that the business model is user friendly and competent enough so that it doesnt fall flat, as mentioned by one of our colleague.
 
 
Ideate: "IT'S TIME For TOOSTEP FOLKS to Diversify Now ?" deleted from your view.
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(rate this)
1 Educate them on Insurance
2 Having Products that satisfies needs wants and demands
Ramachandran Mahadevan  |  Supported idea  "Educate them on Insurance "  |  2 years ago
Continuous education-awareness, learning for literates and illeterates-- is a necessity
Sharath Kotian  |  Added idea  |  3 years ago
Deeper penetration into their territories, understanding their requirements, are some of the vital points to be remembered while entering into the rural sector for Insurance.  While, in my opinion, even the urban people need better education regarding...
 
 
Ideate: "How to make Insurance relevant for masses??" deleted from your view.
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(rate this)
1 Use Secure Portals
2 Exercise Caution
Sharath Kotian  |  Supported idea  "Use Secure Portals"  |  3 years ago
I think we should all use secure payment portals like paypal.com  or else we could be compromising on our credit details and we could easily fall into a soup
Bhushan Patil  |  Supported idea  "Use only net-safe cards for online transactions"  |  3 years ago
In Addition to what Mr.Tehmul said I would say that follow the below points to prevent an online fraud: 1)  Don't open e-mails from senders you don't know. 2)  Never access a website from a link in an e-mail, especially a website that asks for...
Umesh Kumar Pandey  |  Supported idea  "Use Secure Portals"  |  4 years ago
Just for an example- A typing error while entering the website address may lead you to a fraudulent website specifically created to capitalize on such errors — which is why you need to make sure the website address is correct before you initiate...
 
 
Ideate: "How to prevent online fraud?" deleted from your view.
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(rate this)
1 educate the public
2 Need Analysis
Srinivasan  |  Supported idea  "educate the public"  |  3 years ago
Rightly said........Educating Public about Insurance will create a different perception as another investment option. Offer options to chose from.
Sharath Kotian  |  Added idea  |  3 years ago
Insurance and Investment are two totally different things and should never be compared with each other. Therefore, all of us from the insurance industry should come to terms with this and stop comparing insurance with investment.
Niranjan Meena  |  Supported idea  "educate the public"  |  3 years ago
I agree to Nishant and John, education is the best way out to change the perception of people. Education will make them aware of the benefits and need for insurance..
 
 
Ideate: "How to change the perception of customers from insurance to investment..??" deleted from your view.
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(rate this)
1 Insurance should be sold as Insurance only and not as Investment
2 Too much charges on customer..
Mathew Cherian  |  Added idea  "Premiums to sum assured is analomos"  |  2 years ago
Suppose if the sum assured is 100000 and the insurance company feels they have 80% chance of pocketing 100000 without needing to pay and 20% chance of pocketng 50000 before risk ensues, then they will price it at 90000 for the life of the...
Sharath Kotian  |  Added idea  |  3 years ago
With the advent of the private Insurance companies came the concept of ULIP and the Investment cum Insurance idea in the Insurance market.  This brought in an unnecessary shift in the very idea of selling and buying life Insurance in India. Prior to...
Kaushal  |  Supported idea  "Insurance should be sold as Insurance only and not as Investment"  |  3 years ago
Agree with this. Insurance is the only structured product available today which covers following financial planning 1) Risk Management : Risk against uncertainty like Death, Accident, Sickness 2) Estate Planning : inbuild facility of assignment...
 
 
Ideate: "Why people don't opt for insurance ?" deleted from your view.
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(rate this)
1 Own and take responsibility of one tree by every one Indian
2 Green India - Corporate Advantage + Societal Benefit (Must for everyone)
anup bagla  |  Supported idea  "Form a group & implement these wonderful ideas!"  |  2 years ago
Let us popularize use of Bicycles on Sundays and holidays and Government declare holiday for petrol pumps on Sundays/holidays   Let all the schools hold Nature and Environment retreat for 2 weeks in Nature park and students given assignment on...
Sharath Kotian  |  Supported idea  |  3 years ago
Kudos to Mr Vijayasaravanan,  I think you have an excellent idea.  Rules should be made and implemented for planting trees and water harvesting.  Just 3 days back there was an article in the Mumbai Mirror that billions of litres of rain water flows...
Rashmi koul  |  Supported idea  "Own and take responsibility of one tree by every one Indian"  |  3 years ago
If every human being will take responsibilty of green india by planting trees,India will be pollution free soon.
 
 
Ideate: "How can we implement "Green India"?" deleted from your view.
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(rate this)
1 Power saved is Power generated.
2 Reduce all losses, necessity of energy saving by all users
Vineet Prakash  |  Supported idea  "Power saved is Power generated."  |  3 years ago
Mr. Ravishankar, I appreciate your comment. In order to reduce the power crisis, we need to increase power production as much as possible or else we have to depend on the stored power.
Sharath Kotian  |  Added idea  |  3 years ago
In my opinion the immediate solution for the power crisis is only load shedding which we are facing presently in Maharashtra.  The long term solution is power generation through alternative means.  What comes to my mind here immediately is Wind...
 
 
Ideate: "What could be the immediate solution for the current power crisis?" deleted from your view.
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