CASE STUDIES

Case 3: Just married

Prospect	:	Mrs. Aishwarya Chopra
Age	:	28
Occupation	:	Software developer
Income (Personal)	:	Rs. 5,00,000 per annum
Disposable income	:	Rs. 1,00,000 per annum
Assets	:	Car (On loan)
Obligations	:	Household Expenses - Rs. 22, 000 per month
Family Members	:	Husband, working in a Private Sector Bank and earning Rs. 12,00,000 per year. No dependents
Needs identified	:	Savings with a flair of capital market returns, Health protection specially critical illness, Protection (to cover car loan)
Risk Profile	:	Low

Suggested solution:

As Aishwarya is young and earning well, she is advised to buy a Unit Linked Insurance Plan possibly a health cover, & a term cover to the extent of the car loan.