As economies the world over start to integrate and merge, corporate employers push their employees harder and harder to keep the business enterprise head and shoulders above the competition.

As work schedules push employees to constantly out-perform their peers, the chances of them being subjected to stress and burn-out also increase proportionately. Besides, modern lifestyles are too hectic to allow any time for rest or recreation.

All of this adds up into a highly volatile situation and the risks to human life are furthermore abetted instead of being reduced. Supposing you were to be affected by a serious illness or were victimised owing to an accident?

Perhaps its high time you invested a portion of your earnings in a Mediclaim Insurance policy. You should consider your plans for your future since life can dish some really unexpected contingencies.

Haven't you ever spent a sleepless night wondering who would care and protect your family if you met with an accident while commuting and lost your life? You should always prepare for the worst even if you like to expect the best from life. Why not have a look at a few Life Insurance policies, perhaps?

Even if you lead a fancy-free and fast lifestyle, you must remember that nothing lasts forever and after a while in the leisure years of your life, maintaining a set standard of living without a fixed income can be hard. Your pension and provident funds will need to be supplemented by additional resources.

Why don't you consider a few Annuity plans, perhaps? Remember, your future is in your hands and if you don't plan for it, then you have no one to blame except yourself.

Come to think of it, your pay cheque is also subject to cuts and taxes. The funds normally accumulate in a gratuity or pension fund. Why not consider asking your employer to invest part of his liabilities towards you in a Group Insurance or Group Gratuity policy for you and your colleagues?

The tax benefits are competitive and the goodwill generated will only serve to decrease the attrition rate for the organisation. ESOPs and fringe benefits are only temporary attractions whereas Group Gratuities and Insurance serve and protect you and your employer's mutual interests.

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