Kathmandu. Early in the morning, the courtyard was plastered with cow dung. Next to the urn, the jamara that had grown with nine days of patience stood yellow-green. Ramesh’s grandfather, whom everyone in the house respectfully called “Babaji”, was carrying a plate of tika with both hands. <\/p>\n
The courtyard of that village of Dhanusha was full. Aunts and aunts and sisters-in-law (aunts, aunts and sisters-in-law) were laughing and arguing about the taste of puwa and kheer. Brothers, nephews and nephews who had come from Kathmandu and Malaysia were sitting in a row with their foreheads on their foreheads. Seventeen-year-old daughter Anjali was sitting in front of her with a notebook in her lap. Even on the day of Dashain, her chemistry test was near. <\/p>\n
Even when the auspicious time for the tika was approaching, when Ramesh did not come home, Babaji consoled everyone and came somewhere in the market. Don’t delay in getting the tika of the auspicious time. And he smiled at the youngest granddaughter and said, “Children first”, and gradually it was everyone’s turn. <\/p>\n
Ramesh, too, took curd, rice and abir from the market, exchanging greetings with the neighbors, smiling and smiling as if it would not be enough for the big family. But from his small agri-goods shop in Janakpur Bazaar, something came with him to the house, and he did not leave. Last month, a man from a neighboring village collapsed on the edge of the field. He was only forty-one years old. A week before Dashain, at a condolence meeting in the village square, Ramesh had seen his wife counting money from the envelope of help given to her by the chairman of the cooperative. But the amount was very small. <\/p>\n
Returning home that night, Ramesh calculated his own house. His family’s food was run by a shop and farm. His wife took care of the house and used to educate the children of the neighborhood in the evenings. The cooperative’s loan was still to be repaid for eleven years. Anjali dreamed of studying medicine, and everyone said she could. Who would stand behind that dream when she was not there? <\/p>\n
He did not tell this to anyone. During Dashain, when the whole house was praying for good luck to Goddess Durga, it seemed that it would sound ominous. <\/p>\n
“Ramesh!” (Babaji’s voice was heard in the background) <\/p>\n
Seeing the expression on his face, Babaji realized that the eldest grandson was in some kind of contemplation. Holding the plate of tika, he blessed Ramesh with mantras and gave him a tika. But today Ramesh’s face was still not open. Old Babaji’s trembling hand came to Ramesh’s shoulder and stopped. <\/p>\n
“You haven’t been here since morning,” Babaji said in a soft voice. “What’s the matter, even on the day of the festival, your face doesn’t look bright. “<\/p>\n
Babaji signaled Ramesh to walk under the peepal tree on the east side of the courtyard and went ahead of him. Before Baba could sit on a wooden bed woven with coconut mats under the tree, Ramesh also sat on the side. <\/p>\n
The rest of the family could be heard in the distance, enjoying the festive delicacies. <\/p>\n
When he realized that Baba’s eyes were searching for answers to some unanswered questions, Ramesh said in a low voice, “There is nothing like that, Babaji. One thing was playing in my mind since morning. “<\/p>\n
“What’s the matter?” he asked. <\/p>\n
Ramesh tried to say “shop”, but he couldn’t. “Anjali’s thing. Debt. What if something happens to me?” The words came out of his mouth in a small voice. <\/p>\n
He had expected to hear a reprimand or “don’t say that” from Babaji. But Babaji slowly shook his head, as if Ramesh had spoken wisely. <\/p>\n
“After your father passed away,” Babaji said, “I raised both of you brothers with great difficulty. That was all I had. But in today’s age of inflation, the blessings of the elderly are just words, akshata, and a touch on the forehead. It does not pay the expenses of the house, it does not pay the school fees. <\/p>\n
Ramesh remained silent. <\/p>\n
On the other side of the courtyard, Anjali was laughing with her sister-in-law. <\/p>\n
“My blessings will go with me,” Babaji said with a little seriousness. “But your blessings should not end with you for the sake of this family. “<\/p>\n
That evening, after the guests left, Ramesh told his wife in the kitchen about the burden he was carrying. She didn’t say anything in between. After hearing everything, she held Ramesh’s hand, and both of them were silent, looking at each other for a long time. They try to exchange feelings through the expression in their eyes. <\/p>\n
After Dashain was over, Ramesh returned to Janakpur the next week and closed the shop early and went to meet an insurance consultant. He asked a simple question. How much security does a family like his really need? What will be the impact on the loan, Anjali’s education and his wife’s future? The agent explained every question of Ramesh in simple words. During the consultation that lasted for half an hour while drinking matka tea, he got all the information he needed about insurance. Before parting, Ramesh took the proposal form from the agent and carried it in a bag and headed home. <\/p>\n
When he reached home, he did even more difficult work. He kept the family together and asked him what life insurance is, how much money he was going to insure. He explained to him how he would get the insurance money if something happened. He told him that he would get money from life insurance even if he had nothing. He explained it in simple words. He did not make things scary. While Ramesh was informing, his daughter Anjali asked every single information about insurance like a future doctor asks a patient. <\/p>\n
On the Dashami of the following year, Babaji put a red tika on Ramesh’s forehead and held his hand for a little while than usual. Ramesh narrated the occasion of Dashain last year and told Babaji about life insurance. Seeing the intelligence of his grandson, Khushi showed his father’s teeth and laughed very happily. <\/p>\n
Blessing saves the heart. Planning saves the future. <\/em> <\/p>\n Is there a plan behind your family’s blessings<\/strong>? <\/strong> <\/p>\n Dashain is a festival of blessings. Take ten minutes this week to see who depends on your income, how much debt is left. If you have life insurance, who is the person you want, whether TAG_CLOSE_strong_56 TAG_OPEN_strong_56 your customer identification and other documents are up to date. <\/p>\n [<\/strong>\u0906\u092b\u094d\u0928\u094b \u092a\u0930\u093f\u0935\u093e\u0930\u0915\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0905\u0928\u094d\u0924\u0930 \u091c\u093e\u0901\u091a\u094d\u0928\u0941\u0939\u094b\u0938\u094d] <\/strong> \u00b7 [<\/strong>\u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930\u0938\u0901\u0917 \u0915\u0941\u0930\u093e \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d] <\/strong> <\/p>\n The benefits of insurance are different from the company and the insurance plan. Please read the terms <\/em>TAG_OPEN_em_59 TAG_CLOSE_em_60 and the limitations and exceptions carefully or consult only with licensed insurance agents. <\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Kathmandu. Early in the morning, the courtyard was plastered with cow dung. Next to the urn, the jamara that had grown with nine days of patience stood yellow-green. Ramesh’s grandfather, whom everyone in the house respectfully called “Babaji”, was carrying a plate of tika with both hands. The courtyard of that village of Dhanusha was […]<\/p>\n","protected":false},"author":5,"featured_media":320300,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[45031,45075,45067],"tags":[],"class_list":["post-320502","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banner-news-en","category-insurance-education-en","category-important-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/posts\/320502","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/comments?post=320502"}],"version-history":[{"count":1,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/posts\/320502\/revisions"}],"predecessor-version":[{"id":320503,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/posts\/320502\/revisions\/320503"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/media\/320300"}],"wp:attachment":[{"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/media?parent=320502"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/categories?post=320502"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/tags?post=320502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}