Srikanth Shankar Matrubai's article published in SWAKULA CHETANA magazine 9th issue
Recently, a women came to my office. She had been
widowed just about 2 months back. She was a young lady in her late 20s. She had
a 3yr old kid and was also 5 months pregnant now.
In
the one where his mother was the nominee, I helped her in completing the
tedious legal formality and establish her right and helped her receive the
claim.
I
keep seeing these types of stories where the Breadwinners pass away without
putting the right nominee, etc and putting their dependents in a financial
mess.
The
whole purpose of buying insurance is to ensure that your loved ones face the
minimum possible hardship if something happens to you. Therefore, the purpose
of buying a policy is defeated if you provide wrong or incomplete information.
The
moment you have some financial asset, you should nominate. It could be a bank
account, a mutual fund, a bond, insurance or shares.
As
far as possible, an investor must nominate in a way that the chances of dispute
are low. This would primarily be in favour of his wife, children and parents.
He can make multiple nominations and specify the percentage that each nominee
would be entitled to. If he is nominating his minor children, he also has to
specify the guardian. It may require a little work in terms of estimating the
sum that he would like each dependant to have and the associated paperwork, but
it would ensure that the benefit of his investment reaches the people that it
is intended for.
To
avoid any confusion, better nominate the right person in each of your
insurance/investments.
But
don’t worry, if you have nominated a wrong person. You can change the
nomination anytime!
If
you are a husband, father, son, wife, mother, daughter, please show your
financial love. It is far, far better than all the red roses, birthday cards,
Valentine's Day cards and gifts that you can shower.
Do
not turn their grief into anger. Grief they can overcome, anger they burn. I
have seen three cases of young deaths, where the grief is gone, the anger is
still there!
The
way out: either hold it jointly or if you can't do that, nominate someone.
Regards,
Srikanth
Matrubai
ನಿಮ್ಮ ಕುಟುಂಬ ಉತ್ತಮ ಉಡುಗೊರೆ ನೀಡಿ
ಇತ್ತೀಚೆಗೆ, ಒಂದು ಮಹಿಳೆಯರು ನನ್ನ ಕಛೇರಿಗೆ ಬಂದು. ಅವಳು ಮತ್ತೆ ಕೇವಲ 2 ತಿಂಗಳ ವಿಧವೆಯಾದ ಎಂದು. ತನ್ನ 20 ರ ವಯಸ್ಸಿನ ಕೊನೆಯಲ್ಲಿ ಯುವ ಮಹಿಳೆ ಆಗಿತ್ತು. ಅವಳು 3yr
ಹಳೆಯ ಮಗು ಮತ್ತು ಈಗ 5 ತಿಂಗಳ ಗರ್ಭಿಣಿ.
ಆಕೆಯ ಪತಿ ನಿಧನದ ನಂತರ, ಎದುರಿಸಿದ ಆರ್ಥಿಕ ಸಮಸ್ಯೆಗಳನ್ನು ಬಗ್ಗೆ ಹೇಳಿದ್ದಾರೆ. ಅವಳ ಪತಿ 3 ವಿಮೆ ಹೊಂದಿದ್ದರು ....
ದುಃಖಕರವೆಂದರೆ. 1
ತಪ್ಪಿಹೋದ ಆದರೆ, ಮತ್ತೊಂದು 1 ಸರದಿಯಲ್ಲಿ ಈಗಾಗಲೇ ಕೆಲವು ವರ್ಷಗಳ ಹಿಂದೆ ಜಾರಿಗೆ ಮತ್ತು ತನ್ನ ಸ್ಥಾನವನ್ನು ಇತರರು ಪುನರ್ನಾಮಕರಣ ಮಾಡು ವಿಫಲವಾಯಿತು ಮಾಡಿದ ಅಭ್ಯರ್ಥಿಗಳನ್ನು ತನ್ನ ತಾಯಿಯ. ಮತ್ತು 3 ನೇ ಒಂದು ಪಕ್ಷದಿಂದ ನೇಮಕಾತಿ ತನ್ನ ಸಹೋದರಿ ಇದ್ದಳು!
ಮತ್ತು ಸಹೋದರಿ ವಿಧವೆ ಆರ್ಥಿಕ ಸ್ಥಿತಿಯ ವಿಮೆ ಹಣ inspite ಆಫ್ ಲೆಟ್ ಗೋ ಇಷ್ಟವಿರಲಿಲ್ಲ.
ಮತ್ತು ಸಹೋದರಿ ವಿಧವೆ ಆರ್ಥಿಕ ಸ್ಥಿತಿಯ ವಿಮೆ ಹಣ inspite ಆಫ್ ಲೆಟ್ ಗೋ ಇಷ್ಟವಿರಲಿಲ್ಲ.
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