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THE INSURANCE TIMESThe Insurance Times, which will be completing glorious 42nd year of successful and regular publication in 2022, is the most authentic information source on insurance in India.The Insurance Industry under the new regulatory setup is moving forward aggressively. Every month, the journal covers informative articles and features on both general insurance and life insurance. Besides regular columns for Insurance Regulators, Brokers, Bancassurance, legal, surveyor, agents, students

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Rain lashed against my dorm window as I stared at the textbook, numbers swimming like inkblots in the fluorescent glare. Three hours into integral calculus, my brain felt like over-chewed gum. Desperate, I grabbed my phone - not for distraction, but for a last-ditch lifeline called On Luyen. What happened next wasn't studying; it felt like mind-reading.

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The chaos started with a shattered coffee mug. As brown liquid spread across client printouts, my phone buzzed violently - three simultaneous notifications about missed follow-ups. My fingers trembled while wiping the mess, sticky sugar grains clinging to skin like the guilt of failing my team. We'd just lost our biggest account because Sarah couldn't locate renewal documents buried in email threads. That humid July morning, our makeshift CRM - a Frankenstein monster of spreadsheets, sticky note

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