Hate Bajaj Allianz Life Insurance .. Review

I am a middle class salaried employee.I invested in Bajaj Allianz Life Insurance to save tax in 80 CC and to get life coverage.

• Agent told me the plan which i invested is very good and it can give returns more than bank fixed deposit.
• I started investing Rs 4000 every quarter into a Plan called 'Bajaj Allianz New UnitGain Plus' with 'Partial Permanent Disability ' and 'Accidental death benefit' riders and fund is 'Equity Growth Fund'
• Starting from the first month my investment started decreasing , it gave me -ve returns
• Bajaj Allianz has so many conditions for address change etc also.
• I was awaiting for 3 years lock in period to complete so that i can withdraw my money.
• i paid around Rs 64000 and they paid me finally around Rs.49000 which is around 24% loss to my principal.
• Most interesting part is i submitted my Policy surrender document on 31st March 2012 which was on a holiday.They told me that they would consider next working day 2nd April 2012 Nav
• I recieved my ECS payment on 12th April 2012 considering the NAV value of 9th April which got me around Rs 400 loss.
• When i called to the call center they gave a reply saving that as i submitted on 31st march 2012 which was year end and their systems are designed such that will not take next working day automatically because of year end activity.
• I had to do a couple of follow ups to get my Rs 400 back in check.
• I only lost few hundrend rupees but their might be people losing thousands so my advice is be carefull when you surender or never invest with Bajaj Allianz.

Please write your mail id in comment section to get poilcy details to verify if any one needs.

NAV on 2nd April 2012 : 16.9029
NAV on 9th April 2012 : 16.75
Service request No raised to get my Rs 400 : 17135447

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Ra.One --- My review

I went to Ra.one movie in Talkie Town near miyapur.

I had many expectations from the movie but the movie let it down.The movie didnt reach to my expectations at any point of time.

Some points which make me let it down

1. Death of Shah Rukh Khan
2. Fights between SRK and villan
3. Train adventure
4. Comedy track misses
5. Songs

SRK should have done more home work.'ROBO' picture from Rajnikanth was far better that 'RA.One'.

This is second movie which became hit because over hype after 'Dukudu'

This a good managment lesson.






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Management Review

THE SAGA OF MANAGEMENT REVIEW OF WRITING STYLE







Question: How many feet do mice have?






Original reply: Mice have four feet.


Mgmt. Comment: Elaborate!






Revision 1: Mice have five appendages, and four of them are feet.


Mgmt. Comment: No discussion of fifth appendage!






Revision 2: Mice have five appendages; four of them are feet and one is a tail.


Mgmt. Comment: What? Feet with no legs?






Revision 3: Mice have four legs, four feet and one tail per unit-mouse.


Mgmt. Comment: Confusing -- is that a total of 9 appendages?






Revision 4: Mice have four leg-foot assemblies and one tail assembly per body.


Mgmt. Comment: Does not fully discuss the issue!






Revision 5: Each mouse comes equipped with four legs and a tail. Each leg is equipped with a foot at the end opposite the body; the tail is not equipped with a foot.


Mgmt. Comment: Descriptive? Yes. Forceful? NO!






Revision 6: Allotment appendages for mice will be: Four leg-foot assemblies, one tail. Deviation from this policy is not permitted as it would constitute misapportionment of scarce appendage assets.


Mgmt. Comment: Too authoritative; stifles creativity!






Revision 7: Mice have four feet; each foot is attached to a small leg joined integrally with the overall mouse structural sub-system. Also attached to the mouse sub-system is a thin tail, non-functional and ornamental in nature.


Mgmt. Comment: Too verbose/scientific. Answer the question!






FINAL REVISION APPROVED BY MANAGEMENT: Mice have four feet.