Life insurance planner

A Life Insurance Planner is a professional who helps individuals and businesses plan, choose, and manage life insurance solutions based on their financial goals and risk profile.🔹 What does a Life Insurance Planner do?1️⃣

Understand Client Needs

* Age, income, liabilities, family responsibilities* Goals: protection, tax saving, wealth creation, retirement, children’s education. 2️⃣

Risk Analysis

* Human Life Value (HLV) calculation* Income replacement needs* Business risk (partners, key persons)3️⃣

Product Planning

Recommends suitable plans such as:* Term Insurance (pure protection)* Savings / Endowment plans* ULIPs* Child plans* Pension / Retirement plans* Business insurance (Keyman, Partner insurance)4️⃣

Tax Planning Support

* Section 80C – Premium deduction* Section 10(10D) – Maturity benefit (as applicable)* Section 37(1) – Business insurance (for firms/companies)🔹

Career as a Life Insurance Planner

✔ Flexible working hours✔ Unlimited income potential✔ Long-term renewal income✔ Can work part-time or full-time✔ Suitable for **MBA, CA students/finalists, working professionals