Kathmandu. An agent came to the branch and hurriedly said, ‘Sir! I have to give you about 20 insurance proposal forms. Now Dashain has arrived in the house and courtyard.’ The friends from the operations department at the branch asked, ‘Why so many proposal forms? Did you go home on Dashain to make the lives of the people of the village safe by getting insurance?’ And the agent replied with a laugh, ‘Dashain is coming, this time when I go to bless them, I have decided to take them a life insurance gift of at least 5 lakhs as a gift.’
‘Many people go with fruits, sweets and clothes. All those things are temporary gifts. We should rise up in time as a little intelligence, the agent said, ‘If we can provide insurance to our relatives according to their financial capacity, they will also buy life insurance according to their capacity and this gift will also be an exemplary work in the society as a long-term gift.
Life insurance is not only insurance for a person, it is also insurance for the income of a family. If we look at it from the perspective of Nepal, generally more than 80 percent of families have one main income source. The entire household runs on the income of one person. If something happens to the main income earner, the entire family’s source of income also stops.
Therefore, life insurance is necessary for financial stability and for establishing a prosperous family. Therefore, it is essential to have ‘One Home, One Life Insurance’ to ensure financial stability for your family, relatives, friends, and loved ones, and to ensure family happiness and peace.
We seek blessings of longevity, happiness, peace, and prosperity during Dashain. In the process, if we take insurance as a long-term investment, gold will be fragrant.
In Nepal, life insurance companies have increased their services and facilities, dispelling the misconception that insurance is only available when a person dies. Today, insurance provides facilities to facilitate household expenses in the form of medical expenses in case of fatal diseases, monthly disability allowance for those who are completely disabled due to accidents.
Nepali insurance companies have been providing many facilities such as providing immediate medical expenses in case of personal accidents.
Human life is precious. Life insurance has become indispensable to make that precious life more valuable. Nowadays, life insurance has become the main necessity of people after food, shelter, and clothing. Therefore, instead of considering it as an expense, it should be managed as a daily consumer item and life insurance should be taken according to the ability of your family.
Life insurance carries financial risks along with savings. In addition, it collects the scattered issues and invests in the development of the country. Which creates employment in the country as well as takes the country towards progress.
Therefore, the great festival of Nepali Vijayadashami has entered our homes. There is a tradition of considering this festival as a special importance as a way of respecting each other and exchanging blessings among relatives. Similarly, there is a tradition of blessing one family and another to establish mutual tolerance and brotherhood. In the process of blessing one family and another, it is a tradition that has been going on among us for a long time. Maintaining this tradition and culture, it is necessary to start new thinking and ideas today, as it can be given as a long-term gift, useful for life, life insurance as a gift, which will always establish family financial stability, financial risk bearing, and family peace.
Author: Santosh Acharya is the Head of the Regional Office, Biratnagar, Himalayan Life Insurance Limited.
