CASE STUDIES

Case 1: Single, just started working

Prospect name	:	Ms Kirti Zinta
Age	:	25
Occupation	:	Corporate
Professional Income (personal)	:	Rs. 7,00,000 per annum
Disposable income	:	Rs. 70,000 per annum
Assets	:	Nil
Obligations	:	Car Loan Rs. 3, 50,000
Family Members	:	Mother, aged 50 home maker; father is a professional working with a leading FMCG company; brother is an IT professional.
Risk Profile	:	High.
Needs	:	Kirti’s primary need is wealth creation (with huge flexibilities). She is also looking for a debt cover.

Suggested solutions:

Kirti is single and currently does not have any dependants. To address her needs, she should invest in a Unit Linked Insurance Plan (with a bulk of the money invested in equities) and term plan to the extent of the loan outstanding.