Unit-linked insurance policies are staging a comeback. And how! Read about the latest market trend in the Roadmaps column in the February issue of Premium. And Jim Ruta, our global expert, lets you in on more marketing secrets, this time on how to get over your reluctance to call up prospects. In Legal Angle, G Balasubramanian discusses suspect provisions in a Will and R Gopinath explains the need to “stand  out” in a crowd…. Also read about how Warren Buffet made his huge pile from stock markets and of course all those regular features that make Premium itself stand out from the run!

Great opportunities for sales are just a door knock or phone call away, as the Strategy column by K Nitya Kalyani explains in this edition of Premium. But you MUST pick these low-hanging fruits before others do! Meanwhile, our global expert Jim Ruta is at what he knows and does best – advising you, this time on how to earn your client’s loyalty and warning you against running after new ones at the drop of a hat. There is more by way of ideas to help you learn from crises in our books column. Plus wisdom from hindsight! … and of course all the regular features  that have made Premium a must-read for insurance and financial advisers!

In only its 2nd instalment, the Strategy column by K Nitya Kalyani really hits the ground running, telling you how to fire up your sales ambitions in the just-begun festival season. And she cites real-life examples and methods of agents to earn their client’s trust. As Dr R Radhakrishnan culls case studies of insurance ombudsman’s various awards to help you get a hang of how this watchbody acts, R Gopinath gives you the dope on how to share the corporate cat’s cream! … all that and the regular features in the August issue that have made Premium the magazine of choice for financial advisers!

On the occasion of its 8th birthday, Premium launches Strategies, a new series by its Editor, which is all about, well, strategies to win over your clients! And Jim Ruta tells you why honesty is not just the best policy but THE only policy that works these days! R Radhakrishnan meantime throws more light on how best to work in a customer-first regulatory regime while R Gopinath shows you why corporate clients could be your best bet… all that and more in the July issue, which also tells you why by going digital the magazine has become even more, not less, reader-friendly!

In the June 2013 issue, Premium shows you a simple but huge opportunity that insurance advisors have largely ignored: the simple fact that Home is where the action begins, and so Home insurance is a place you should focus! Read this month how the ever-inventive Jim Ruta shows why and how many of you let the slump defeat you. He lists one compelling reason after another for your failure and how to fix each one of them. Dr R Radhakrishnan in his column “Impact” demystifies the new IRDA guidelines to help you abide by the regulations!

Feel hemmed in by the negative vibes from the market? Don’t Quit, says our Roadmaps column simply because quitters have no place in insurance! Also learn to be positive from Jim Ruta who offers 12 ways to make your problems into solutions! How to quiz your client about his risk profile is what R Radhakrishnan tells you this time even as G Balasubramanian gives you the lowdown on digital dangers looming over your clients.  Meantime R Gopinath wants you to keep a ‘hotline’ with your customers and tells you how to do it… all that and more in Premium, always and ever your friend in need!

Two dismal years for insurance sellers and no light at the end of the tunnel? Wait, we’ve got news for you in the April issue even as global expert Jim Ruta cites 5 critical reasons why you shouldn’t – and needn’t – stay just a salesman! Dr R Radhakrishnan talks about how best to advise your clients, even the most daring ones, on market risks while R Gopinath explains why you can’t afford to be a shrinking violet if you want to be a brand yourself... Also read about taking the first, often the most decisive, step in reaching your marketing goals!
Further, help yourself to all the Premium featu

Premium, a monthly magazine, is a success tool for insurance sales professionals. It has been the ‘go-to’ magazine for six years now for thousands of agents and other financial advisors. 
Premium is edited by Ms K Nitya Kalyani, who has worked with the insurance industry, the regulator and with the national business media over the past 25 years. 
An array of leading experts, Indian and foreign, write for Premium regularly. They cover an entire range of subjects that are of critical interest to the profession. The content empowers the agency force to not just cope with challenges in the profess

Premium, a monthly magazine, is a success tool for insurance sales professionals. It has been the ‘go-to’ magazine for six years now for thousands of agents and other financial advisors. 
Premium is edited by Ms K Nitya Kalyani, who has worked with the insurance industry, the regulator and with the national business media over the past 25 years. 
An array of leading experts, Indian and foreign, write for Premium regularly. They cover an entire range of subjects that are of critical interest to the profession.

With pension policies set to be all the rage soon enough, don’t miss the “express train when it arrives,” as K Nitya Kalyani alerts readers in the December cover story. And Jim Ruta reveals the secret of peak selling performance while Dr R Radhakrishnan cautions against treating ULIPs as pariahs. G Balasubramanian explains why Financial Planners are more relevant than ever in a world ruled by the Greed-is-Good creed, and R Gopinath talks about how Life insurance monies are ‘guaranteed’ to women against the most fickle husbands! …plus other regular features that make Premium the magazine that i

Premium, a monthly magazine, is a success tool for insurance sales professionals. It has been the ‘go-to’ magazine for six years now for thousands of agents and other financial advisors. 
Premium is edited by Ms K Nitya Kalyani, who has worked with the insurance industry, the regulator and with the national business media over the past 25 years. 
An array of leading experts, Indian and foreign, write for Premium regularly. They cover an entire range of subjects that are of critical interest to the profession

The phrase mass market takes on a new meaning, with millions of India's poor promising to become 'hot' with Health insurers, says K Nitya Kalyani, drawing upon the findings of two global experts, in the September 2012 issue. While Jim Ruta guides you over the 10 steps to marketing greatness, G Balasubramanian tells you why tax planning is too important NOT to be left to the Financial Planners. And pull the rabbit out of the hat for your clients, as R Gopinath shows how to, and learn the secret of converting insight into foresight from Gopi Santhanam…A new series, Impact, enlightens agents

Which segment of the insurance market can grow 20 times its present size? K Nitya Kalyani tells you all about it in the August 2012 issue of Premium. While Jim Ruta wades through statistical probabilities of your being successful and more, G Balasubramanian gives you the lowdown on foolproofing your client from vagaries of the marketplace. R Gopinath writes about helping your client every step of the way to success while Gopi Santhanam explains why taking customers for granted can be your undoing…Read all that plus our regular features, including Read to Succeed, Stats and Showcase.

The MDRT experience is a professional peak every insurance agent would want to scale and in the sixth anniversary issue (July 2012), we bring ‘live’ to the reader the Annual Meet held at Anaheim, US. And, as always, other live topics – Jim Ruta's exclusive on how to be a 'guardian angel' to your clients……G Balasubramanian's insights into how to plan for their financial future….R Gopinath’s illuminating series on Target Marketing which deals with ensuring value for customer's money… Rana JK’s take on online purchase of insurance…plus our regular features, including Statistics and Showcase.

As agents face ever-new challenges, the June 2012 issue digs deep on areas where they need to (and can) do much better. Road Maps,, for starters, revisits Term Insurance and finds it still has lots to be said for it! And for those who think price advantage or product superiority is your best bet, Jim Ruta has news! In Financial Planning, G Balasubramanian tells you how to draw up a savings plan for your clients, while Gopi Santhanam lets you in on subtler aspects of selling. And as R Gopinath offers more tips for you on Target Marketing, we have the latest on the online sales front. And more…

Power to the Seller!

May 2012: Cover story series, Road Maps, on why the tremendous growth of Motor insurance is risky. 
Plan to Prosper: Mr G Balasubramanian explains why you can ‘run but not hide’ from Financial Planning. 
Ways to Win: Mr Jim Ruta, our US-based global consultant’s exclusive column offers simple ways to beat the market blues while Mr R Gopinath in Marketing Management and Mr Gopi Santhanam in Value Add Marketing advise you on best ways to service your client! 
Plus all our regular features! As enlightening and empowering as every issue of Premium!

The Magazine for Insurance Sales Professionals.

The Magazine for Insurance Sales Professionals. 
Trends in insurance and in insurance sales, exclusive columns on selling and marketing. Latest policies and statistics.

Trends in Indian insurance industry especially sales and marketing of insurance, exclusive columns on selling and marketing insurance, new policies and statistics. Don\'t miss this issue!

Issues in bancassurance, CEO interview, Insurance industry statistics, Top 3 selling skills and all the usual features

SEPTEMBER 2013

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June 2013

MAY 2013

April 2013

March 2013

February 2013

January 2013

December 2012

NOVEMBER 2012

October 2012

September 2012

AUGUST 2012

JULY 2012

JUNE 2012

In the June 2013 issue, Premium tells you about a simple but huge opportunity that insurance advisors have largely ignored: the simple fact that Home is where the action begins, and so Home insurance is a place you should focus! Read this month how the ever-inventive Jim Ruta shows why and how many of you let the slump defeat you. He lists one compelling reason after another for your failure and how to fix each one of them. Dr R Radhakrishnan in his column “Impact” demystifies the new IRDA guidelines to help you abide by the regulations!  And R Gopinath goes to the basics of  making yourself most visible where it counts most… all that and more in Premium, which has your best interests at heart!

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