INTRODUCTION :-

Everyone is exposed to various risks. Future is very uncertain, but there is way to
protectone’s family and make one’s children’s future safe. Life Insurance companies help us
to ensure that our family’s future is not just secure but also prosperous .Life Insurance is
particularly important if you are the sole breadwinner for your family .The loss of you and
your income could devastate your family. Life insurance will ensure that if anything happens
to you, your loved ones will be able to manage financially .This study titled “Study of
Consumers Perception about Life Insurance Policies” enablesthe Life Insurance Companies
to understand how consumer’s perception differs from person to person. How a consumer
selects, organizes and interprets the service qualityand the product quality of different Life
Insurance Policies, offered by various Life Insurance Companies

Insurance is a tool by which fatalities of a small number are compensated out of funds
(premium payment) collected from plenteous. Insurance companies pay back for financial
losses arising out of occurrence of insured events e.g. in personal accident policy death due to
accident, in fire policy the insured events are fire and other allied perils like riot and strike,
explosion etc. hence insurance safeguard against uncertainties.It provides financial
recompense for losses suffered due to incident of unanticipatedevents, insured with in policy
of insurance. Moreover, through a number of acts of parliament, specific types of insurance
are legally enforced in our country e.g. third partyinsurance under motor vehicles Act, public
liability insurance for handlers of hazardous
 Company Profile

ASTUTE Consultancy Services is one of largest financial services organizations, offering

One Window and tailor Made wide range of financial services that encompass every sphere
of life. Loans, Investment & Insurance diverse financial needs of individuals and corporate
sector. We assure the safety and privacy of the Customer's personal details.
The journey began on January 19, 2010. On this day, ASTUTE set out mission to create
value for your Money, and its stated business objective was to enable access Your Needs and
afford the Financial Product as per Your Needs.
ASTUTE has encouraged hundreds of thousands of people to make that upward journey by
simplifying financial access for them. By providing these individuals with the privilege of
home loan products, insurance services and investment Service tailor made to suit their
needs.
Loans
In finance, a loan is the lending of money from one individual, organization or entity to
another individual, organization or entity. A loan is a debt provided by an entity (organization
or individual) to another entity at an interest rate, and evidenced by a promissory note which
specifies, among other things, the principal amount of money borrowed, the interest rate the
lender is charging, and date of repayment. A loan entails the reallocation of the subject
asset(s) for a period of time, between the lender and the borrower.
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Astute Dream Home -- Buying A House

Ensure your loved ones will always have a roof over their heads Home ownership is about
security, comfort, and fulfilling one's dream of having a place to call YOUR OWN. The
sense of community that comes with putting down roots in a place of your own, the security
of having a roof over your head, the opportunity for financial growth -- all these come about
because of one's decision to become a homeowner.
Buying a home may also be the single largest investment many people will ever make in their
lives. Hence, before you decide on buying that dream home, you need to plan your finances
carefully.

Commercial Property Purchase (Shop , Office & Factory)

Presenting Commercial Property Purchase Loans for purchase of ready/ under construction commercial property

We offer two variants under Purchase of Commercial Property

1. Loan to purchase Ready Commercial Property

2. Loan to purchase Under-construction Commercial Property

Loan Against Property – Residential/ Commercial

MORTGAGE YOUR EXISTING PROPERTY TO LEVERAGE YOUR FINANCIAL
NEEDS
Seizing opportunity at the right time is the essence of any business. Expansion,
modernization, diversification, great order, opportune raw material price, critical expenditure
etc. can come to you planned or unplanned, for your long term growth that you don’t want to
miss.
Our Business Expansion Loans are formulated to help you unlock such opportunities through
host of right in time solutions providing short, medium & long term financing solutions either
in form of term loans or working capital demand loans to help grow your business.
The capital value of your property increases with time and appreciation. As a self owned
asset, you can unlock this value at any time you desire when in need of funds - it could be a
medical emergency, a marriage in your family or a need to invest in your business.

Freeze all your Loans

Debt Consolidation is a concept that will allow you to regain the confidence by minimizing
the monthly outflow & maximizing the savings for future even without increasing the
income.
The replacement of multiple loans with a single loan, often with a lower monthly payment
and a longer repayment period.
The recession hit many people extremely hard and many people began to fall behind on their
repayments. In the long run it caused many people’s credit scores to tumble even though most
were trying their best to stay on top of it all. So now that the recession is firmly behind most
of us but still to avoid same situation in future what can we do to be on track for all the
payment.
Debt consolidation can be done by two ways as below...

1. Apply to existing bank for top up and close the short team loan & high interest loan.
2. Transfer the loan to other bank & take top up.
Business Loans
lase Rent Discounting
(LRD) is a term loan offered against rental receipts derived from lease contracts with corporate tenants and
provided to the lesser based on the discounted value of the rentals and the underlying property value

Business Loans – Over Draft

Manage your fund requirements for business needs with the Drop-line Overdraft Against Property and pay only
for what you use. Drop-line Overdraft Against Property is an overdraft facility against property as collateral for
self-employed customers.
Business Loans for Retailers- Unsecured
This loan is for special for retailer, this help for short time liquidity without fix monthly obligation. Repayment
done
SME Receivable Finance
Assured cash flow or receivables from the contracts you have signed with either customers or vendors or you
have a very strong model to back repayments of the loan, our offerings will help grow your business and grab
that opportunity to scale the business.
We have designed a few niche products for selected industries after in-depth research and understanding of the
segment. Currently, we have selected residential construction and education as our focus areas and weaved our
product specifically catering to these segments.

SME Equipment Finance

Equipment loans are designed for special industries and segment that offer revenue generating opportunity
through the acquired asset to start as a professional or expand based on skills & expertise you have gained, to
scale up your operations further.
Equipment financing helps you to acquire new/used equipment in healthcare, construction, printing,
packaging,plastics,manufacturing/ processing tools & other approved industry segments. We take a realistic
approach along with your business credentials beyond financial parameters to determine the extent of funding.
Insurance
Insurance is a means of protection from financial loss. It is a form of risk management
primarily used to hedge against the risk of a contingent, uncertain loss.
An entity which provides insurance is known as an insurer, insurance company, or insurance
carrier. A person or entity who buys insurance is known as an insured or policyholder. The
insurance transaction involves the insured assuming a guaranteed and known relatively small
loss in the form of payment to the insurer in exchange for the insurer's promise to compensate
the insured in the event of a covered loss. The loss may or may not be financial, but it must
be reducible to financial terms, and must involve something in which the insured has an
insurable interest established by ownership, possession, or pre-existing relationship.
 Life Insurance

To build a foundation of financial security for you and your family with the help
of LIFE INSURNACE.
Life insurance has become very important in everyone’s life. Life insurance is the scheme in
which you can PROTECT YOUR LOVED ONES by letting them to access the money saved
by you for providing finance to them in case of your death.
The importance of insurance cannot be ignored in today's life. These days, insurance has
become a very form of security and protection in perhaps everyone's life. It provides
protection and compensation upon the occurrence or non-occurrence of a particular event.
These days, we can observe the influence of insurance on many fields ranging from life,
health, business, automobile, travel, savings and investment, etc. There are range of these
products which include life insurance, health insurance, auto insurance, travel insurance,
savings and investment through ULIPs, children plans, pension plans, etc.
Life insurance policy is designed to take provide financial safety and security when the policy
holder passes away suddenly. Some of the major sub-types in life insurance include term
insurance and whole life insurance. Whole life insurance is further divided into ULIPs and
savings based insurance.
Children plans are those kinds of plans which have been designed to act as a saving and
investment schemes which accumulate wealth over a period of time that is helpful for
education, career and wedding expenditure for your children in the future.
Pension plans are another type of savings insurance, which is similar to children plans, but
the only difference is that this policy is not for children but for senior citizens in the future.
Pension plans act as saving and investment plans which will accumulate wealth and give out
return on the investment in the future as pension or retirement income. Many term insurance
plans are easily available online.
Life insurance gives you tax benefits under section 80(C).
 Health Insurance
What is Health Insurance?
Cover medical treatment in case of illness and accidents. Get good medical care without
worrying about expensive treatment. Health insurance covers diseases, injuries, surgery or
any Medicare that is needed by an individual or family. Health insurance also includes
hospitalization coverage if you are hospitalized for more than 24 hours. Health Insurance also
pays you for your regular check up and consultation fees.

Why health insurance?

Medical expenses have increased. Common man has to stretch to uncomfortable financial
limits to get proper treatment for himself and his family. Health insurance is important for
you as well as your loved ones so, that they do not compromise on good medical treatment in
times of Medical emergencies.
Hospitalization charges are skyrocketing these days and to admit in the best hospital in your
city for best of medical facilities you have to give all your savings. To save your money and
provide good medical facilities in best of hospitals everyone needs health insurance.
Tax benefits can also be availed with health insurance under section 80(D). Health insurance
comes with dual benefits where you can save on tax as well as protection for health.

Types of health Insurance

Individual Health Insurance
This is the policy where policyholder himself is covered in times of health problems.

Family Floater
This is the policy where sponsor owns the policy and the people covered under it are called
its members. You can protect your full family under this mediclaim policy.

Senior Citizen Health Insurance

Senior citizen health insurance is a necessity especially when you are planning to retire and
live on pension or interest income from savings. A sudden medical emergency can result in a
financial crisis. To avoid this, it is prudent to take a comprehensive senior citizen mediclaim
policy.
Health Insurance is the best solution to make sure that you and your family
members are never underprivileged of the best Medicare.
Highlights of Health Insurance -

1. Procect your Savings from Skyrocketing Medical Expenses.

2. Provide Good Medical Facilities in best of Hospitals.
3. Tax benifits can also be availed with health insurance under section 80(D).
4. Start at early age and enjoy the benifits.
Tax benefits can also be availed with health insurance under section 80(D). Health insurance
comes with dual benefits where you can save on tax as well as protection for health.
Investment
An investment is an asset or item that is purchased with the hope that it will generate income
or will appreciate in the future. In an economic sense, an investment is the purchase of goods
that are not consumed today but are used in the future to create wealth. In finance, an
investment is a monetary asset purchased with the idea that the asset will provide income in
the future or will be sold at a higher price for a profit.
The term "investment" can be used to refer to any mechanism used for the purpose of
generating future income. In the financial sense, this includes the purchase of bonds, stocks
or real estate property. Additionally, the constructed building or other facility used to produce
goods can be seen as an investment. The production of goods required to produce other goods
may also be seen as investing.

Reach your financial goals with MUTUAL FUNDS.

A mutual fund is just the connecting bridge or a financial intermediary that allows a group of
investors to pool their money together with a predetermined investment objective. The
mutual fund will have a fund manager who is responsible for investing the gathered money
into specific securities (stocks or bonds). When you invest in a mutual fund, you are buying
units or portions of the mutual fund and thus on investing becomes a shareholder or unit
holder of the fund.
Mutual funds are considered as one of the best available investments as compare to others
they are very cost efficient and also easy to invest in, thus by pooling money together in a
mutual fund, investors can purchase stocks or bonds with much lower trading costs than if
they tried to do it on their own. But the biggest advantage to mutual funds is diversification,
by minimizing risk & maximizing returns.
Mutual funds are considered as one of the best available investments as compare to others
they are very cost efficient and also easy to invest in, thus by pooling money together in a
mutual fund, investors can purchase stocks or bonds with much lower trading costs than if
they tried to do it on their own. But the biggest advantage to mutual funds is diversification,
by minimizing risk & maximizing returns.
You want to save for retirement. And for your child's education. You also need to save tax.
Then there is this long-cherished dream of owning a house. And your plan to upgrade to a
bigger car. That's quite a mix of long-term, medium-term and short-term financial goals.
 3 Types Of Investment
Ownership Investment
Ownership investments are what comes to mind for most people when the word "investment"
is batted around. Ownership investments are the most volatile and profitable class of
investment. The following are examples of ownership investments.
Stock, Business, Real Estate, Gold
Lending Investment
Lending investments allow you to be the bank. They tend to be lower risk than ownership
investments and return less as a result. A bond issued by a company will pay a set amount
over a certain period, while during the same period the stock of a company can double or
triple in value, paying far more than a bond - or it can lose heavily and go bankrupt, in which
case bond holders usually still get their money and the stockholder often gets nothing.
Saving Account., Fixed Deposit ., Recurring Deposit., Govt. Bonds

Cash Equivalent
These are investments that are "as good as cash," which means they're easy to convert back
into cash.
JUST AS INDIVIDUALS HAVE DIFFERENT GOALS, THERE ARE
MUTUAL FUNDS TO HELP ACHIVE THESE OBJECTIVES
You could be looking at long-term wealth creation, or a place to park funds in the short term.
You may want to diversify into gold or increase your exposure to a certain sector. There is
something for both aggressive and conservative investors, short- and long-term goals, all
wallet sizes and all age groups.
Choosing the right type of fund is therefore the first step in achieving your financial goals.
The choice should be defined by the tenure of the investment, your willingness to take risks,
and the liquidity offered by the option. A debt fund, for instance, won't be a good way to save
for retirement when you are in your 30s. An equity fund, on the other hand, won't help if you
want to save to buy a car next year.
The type of investor you are also plays an important role. If you are easily unnerved by stock
market ups and downs, it won't do any good to take on a large equity exposure. But if you can
stomach risks, an equity fund can help you reach your financial goal faster. It all depends on
how comfortable you are with the risk.
Once you have chosen the category, you can then compare the performance record of the
funds within that category to pick out potential winners that can help you achieve your
financial goals.
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Previous
Questionnaires:-
1. Life insurance policies are helpful or not?
2. Life insurance policies help to protect life from some problems or not?
3. Consumers are interested in buying a policies?
4. How the policies are help to protect the future?
5. Policies are helpful in protection of future? Yes or no?
6. Life insurance policies can useful for small child?
7. Life insurance policies can give safety to our future?