My Session at LIC foundation day - 1st Sept 2025

Friends, best wishes to all of you. Many companies are not able to complete their 69th anniversary in six years. This company which was started by merging 245 companies. Today this company has become 69 years young. And all because of you. All because of you. It is doing fantastic. We got 5 crores when we started. And today it manages 50 lakh crores on its own. Wow. Outstanding journey. Right? We got 5 crores from the government when we started. Today LIC has 50 lakh crores of assets under management. It is an amazing and outstanding right. So I will share something with you. And I will also give you a request to share. Yes. So let me share my presentation with you again. You are very welcome. Best wishes to LIC on its anniversary. Friends, LIC is not just a name of lic, an insurance company. It is an emotion for every India. For every Indian. It is a name of trust. Let me quickly tell you about myself. Right now you are listening to Ahmad G who is my partner. I started my career in 99 as LIC agent. Rural area. My uncle was a development officer in Licorice. My journey started from there. And the journey was quite turbulent. But life gave me a lot of opportunities. To not eat almonds. To face hardships. And because of the hardships today I am in front of you and I am saying this from this platform. This is a big achievement for me. In 2005 I became an agency leader, a trainer. Learned a lot of things. Did a lot of things. Was the branch head of the agency. Was the national head of the agency. But when Covid came, just like many people suffered losses in Covid, I also suffered a lot. Then we started Digital Gyani. Digital Gyani Academy along with Ahmad G. And our mission is that we want to give the right financial planning to 1 crore Indians. Now it is obvious that neither I can reach 1 crore alone nor Amit G can. Through you people we can give correct financial planning to 1 crore people. Your mission should also be to give correct financial planning to at least 5,000 families. How will this happen? This will happen when the insurance agents will upgrade. And they will become financial doctors. They will not sell policies at discounted rates like chemists. They will upgrade. Their knowledge will be good. Their marketing will be good. Their trust factor will be good. And they will become financial doctors. We are on this mission. If you support us, we will complete it. This is not possible without agency leaders. So all our CLIA friends, you people work double hard. I salute you people. You people have shown LIC and the world That a freelance leader can also do very good work. Can do very good work. Whether it is Shrinivas Ji in Down South, Veer Srinivasu or Gajendra G in Down South. All our leaders. Whether it is Akshay sir in East. My friends. I salute everyone that this is happening because of you. Thank you so much. Our academy has 10,000 plus students right now. You can also download our app. There is no problem. There are many free courses in it. You can start on LIC's anniversary today. We have a gift for you people. Digital Gyani Academy. You can download it by going to play store. Okay. Thank you. Let's go. The journey of LIC has been very unique. If you see the journey of any company, see it got 5 crores. Today it manages 50 lakh crores. The biggest IPO of India has come from LIC. It is a record breaking IPO of 21,000 crores. LIC's name is in the Guinness Book of Records. Twice. Once by Mr. Thakrar and once by Ritunanda. These nine people have created a world record of issuing 32,000 policies together in a day. And LIC has always stood by during crises. Be it the crisis of 1960-70 when industrial development had become very weak. India did not have money. LIC came. LIC invested the money. UTI crisis occurred in 2001. LIC infused funds and protected the investors. In 2008, when the market fell, LIC stood up immediately. LIC handled the market. Friends, in 2020, as you were listening to Gajendra Buy. Also that in 2020 when the COVID crisis occurred, LIC again helped you people and invested 100 crore rupees in equities to prevent the market from falling. Not only this, LIC has done a lot more during crises. So while saluting lic, today's contribution is a hundredfold. Salute to lic. And all this has happened because of people like you who convince people in villages, cities to invest online offline. Okay. So thank you so much, lic. Thank you so much to all of you today. Whether it is a farmer from UP and Bihar, a businessman from Mumbai or an IT guy from the city. Everyone has lic. And everybody knows lic. This has happened because of all of you. And if you people keep doing this, it will continue in the future as well. Now friends, the time that is coming is a little different. About which many people have talked to you today. It is not just that if we are not offline or we are not present online. Our work will Go on. Even if our customer is from a village, I have observed that today every customer, even after our meeting starts getting ads on their mobile asking if they are looking for an insurance policy. Are they looking for an investment? So this mobile is a boon for us as well as a competition for us. Because the artificial intelligence that has come inside it will compete with you on many things. Now we have two options. Either we make it our charioteer or tell it to crush us. So we are not among those who are crushed. We are combative people. We are those people who turn the customers no into yes. So friends, the time that is coming is going to be a lot more digital and a lot more digital. I was doing research and I came to know that in every five minutes in India, not five minutes of the day but five minutes of the night, 25 term insurances are sold online. Every five minutes, 25 term plans, term plan, health plan are sold online. Friends, today we are talking about life insurance. But in general insurance, 13% business has already been done online. 23% of every customer gets two or three online advertisements on social media in a day. Of what? Of right investment, right financial planning. Social media means Facebook, Instagram, WhatsApp, Linden. Every third customer searches for comparison after our meeting. That is after the meeting with the customer. The customer goes on his mobile and searches for comparison of that product. The customer also has the right to compare. In India, where we buy even shoes and slippers through comparison, the customer also has the right to compare. But now comparison has become very easy. I will show you a live now. The next three years are changing very fast. It is changing very fast. It is changing even at this time. And a huge movement is happening regarding online, digital and AI. AI is going to be seen everywhere in the next two years. Let me show you a sample of it. There is a simple AI tool called ChatGPT. Okay. There is a simple AI tool called Chat GPT. It is very simple. Many things are free in it. I am taking this paid version. If you go to it and say simple, I am looking for a term plan along with Ulip. Can you compare and give me my plan? Age? Dadia 40 years gold. To collect maturity pay 1 crore required after 15 years. Okay. If you type even this much, it will give you with a proper comparison. This is Chat GPT. It is a simple AI tool which will reach every mobile in the next 5 to 6 months. It already has 50 crore users in India. 50 crores is simply telling you which plan will be best for you. How much money should be Invested, you see at 8% CAGR, you have to invest 38,000 rupees. At 12% you have to invest 9,000 rupees. Think if we also use such a tool rather than considering it as competition then how easy it is for the client and how easy it is for us too. If you agree then write digital in the chat box. If you agree that yes you, if we also use such tools then it is very easy for us too. It is very easy for the customer too. So write AI. AI means artificial intelligence and these are the tools. There are many such tools which we have to learn. We have to learn this and learning this is not a big deal. You can easily teach and learn it in the weekend. Because now if you think that oh brother, I am in some village, my customer does not know all this. But the customer may not know. We know that the customer has had a meeting with you regarding LIC's policy. Our ad can reach there and that is what I am telling you. That these digital bots, these ICE as you are seeing, compare very well. Now if you write the name of the company in it, it will also tell the company give me top companies. And this is what I want to tell you that you also have to use AI and digital gradually. See, LIC's tech plan has been told. It told about HDFC Life's ICCs. So in this way you also think that it is very important for you also to go digital. Is it important? If it is important, then write it important. So in the next three years either we will remain in the market or the business will reduce a lot. It is not that our business will become zero but in the next three years we can increase our business in the market 10 times by going digital. If you are ready then say pio. Bring it on, bring it on. Because the solution of the framework on which I teach is called knowledge, attitude, skills, habits, system and guidance. Because I think that a person whose intentions are right, whose intentions are right, whose mission is right, who does not want to sell huge policies by force but who really wants the benefit of the customer. Customer is the king, right? And he should be real just for the sake of speaking, right? If his knowledge is better than others, if his attitude is better than others, if his skills are better than others, his habits are better than others, his system is better than others and if he has guidance better than others, then he can move ahead. And the same thing happens in digital as well. Now what knowledge is needed? Knowledge is needed. Financial planning, products, digital tools. There should be attitude, service Mindset. I am adaptable. I am a learner. Are you a learner? You are a learner, that is why you are sitting here. Very good. Digital marketing, video selling, online. Trust building. Online is very good in trust building habits. What is my daily learning? What content am I putting daily? How am I following up? And what is my system? Do I have any CRM? Do I have any bulk automation of WhatsApp app? Have I created a system to nurture leads? Every one of us here wants to be a crop. Addy or if he is on crores, he wants to earn 10 crores. Am I right? Is it right or wrong? Am I right? Type. Yes and type crore. 90% of Indians do not earn this much money. So if we have to be better than 90% then we have to be better than 90% in our knowledge, in our attitude, in our skills. Gajendra bhai also talked about attitude, in our habits, in the system. Ahmad G also talked about your knowledge, talked about skills. If you are like 90% agents then how will you get a different result? Then you will not get a different result. If you are a leader and behave like 90% leaders then your result will not be different. So friends, what do you have to do in the next three years? Can I tell you what you have to do in the next three years? Are you ready for this? Type in the chat box. If you are ready now, I can tell you very little in such a short training. Are you ready? Then type ready. Ready. Ready. Ready. Thank you. Thank you so much. Thank you so much. In the next three years, start your digital slowly. From today, start making videos. Start understanding Facebook, Instagram. Build your brand online. Trust is also built online. I will also show you how it is built. You can also deal with your clients online. See, our business is very simple. Leads, meeting, sales. What is our business? LMS leads, meeting, sales. Leads can come online. I can conduct very good meetings online. And for sales, trust is required. Good need analysis is also possible online. And it is not necessary that everything will be online. There will be face to face and human connection. There will always be face to face and human connection. But digital will become your charioteer and will help you. We have many challenges, right? But the answer to those challenges is digital. Because we have made these three mistakes. I have seen that the biggest problem of the agents who leave this business is that they do not have regular leads. Secondly, they do not have a system. They depend more on motivation. Motivation is momentary. It is there today, it is gone tomorrow. And thirdly, they do not upgrade their Skills and knowledge. As I said earlier, we have two choices. Either we upgrade or keep struggling like this. Now I tell you, the power of social media. Social media is so powerful. There are more than 60 crore Facebook users. In fact I had coined this then. Now it must have become 70 crore. More than 30 crores. Actually it has become 50, 50 crores. You are Instagram users too. You use WhatsApp, Instagram, Facebook. These people are doing business of 20,000 crores annually through Instagram Facebook. And Facebook gives more than 1 lakh crores business to people by giving them leads. This is India's. You can go and Google it. This is just Facebook's business. I have not even talked about YouTube and Google in this. If you learn only Facebook and start working only on Facebook then you can get your dream customer. You can get the customer you are looking for whether he is in a village or in a city. Because it is not known whether roads have reached every place or not. But Internet and mobile and touchphone and smartphone have reached. Yes and no. India has made very good progress in this and take advantage of it. Friends, you can get these leads online. Now what does lead mean? Not data. Everyone has data. Lead means the one who is your dream customer. Who is the dream customer or dream agent. Look at it this way, understand it carefully. Online you can properly put which customer lead you want. You will get it with consistency. Not immediately that you want a male lead, a female lead, which age group you want, which profession, people you want. What problem are you solving for that? And you can put the location. If you are in Chopra then put the location of Chopra. If you are in Ararat then put Aurangabads. I am speaking from Gurgon. Put Gurgons. I can run an ad in NOGPR from Gurgon. You will not believe it. Our LIC's biggest tycoon is in Nogber. Yes or no, LIC's biggest agents are in Nogpr. I have run an ad in Nogber from Gurgon and have taken customers from Nogber because people there are aware. These agents have done a very good job. I also capitalized on that sitting here. I have explained to the people of NAGPR and Seoul policies. Do you want to learn this? It is possible. It is possible. Now you will say how does it happen? Do leads come? There is a complete process for this which I cannot teach right now. But obviously as Ahmad G said, you will download digital Gyani Academy app or you will find a link of a group above. Then you can learn. You just need a mobile phone and Internet. That's it. You can learn everything else. Mobile phone comes with Internet. That is why you are sitting here. Yes. Friends, we ourselves invest a lot of our money online and get leads ourselves. I am giving you an example. These are leads. You can see this on our system. Yogendra Malik, Amit Sharma. We invest our own money. We get our own leads. What kind of leads do we get on? Concept lottery system. Ads do not work. Concept works. We do retirement Kanyadan Concept recruitment. If you do recruitment insurance, I am giving you an example. Look, Manoj Savaria G is an agent of LIC from Bulwara, Rajasthan. He has done a business of 21 lakhs. 21 lakhs from one month online? Yes. It took him some time to reach here. But is a business of 21 lakhs a small business? Is it a small business? Is it a big business? Yes. Think about it. When we were starting this also we said no, it will not happen. It will happen due to doubt. But you can move ahead even with doubt. Friends, the magic has already started. And the online party is going on 24 hours. Because the online party goes on for 24 hours. Even if you are sleeping your customers will be seeing your videos. Think, even when you are sleeping, prospecting is going on here. We say that. Friend, I am not able to do prospecting while awake. Leave the excuses. Businessman. See now whatever qualification you had to take is done. You must have spent 12 to 15 years on your education. This education will not take you more than a year. If you learn systematically from a good teacher then you can also learn this magic. See, I am giving you an example. From where are some people sitting and running ads? Village people. Not even from the city. Village people? Yes, sir. Tell me about yourself. My name is sir, Ram Kumar Meena. I am from Bharatpur district of Rajasthan. And sir, since I have joined digital Gyani, I have become excited. Sir, otherwise I did not know anything about digital. Right now. Sir. Yes, sir. Should I tell you, sir, I mean I did two policies from Bihar. Whereas sir, when you had placed that ad. You had told me to place an ad once. Then when I did two policies from Bihar. I did two policies from Bihar. You are sitting here in Bharatpur. There are many such examples. I am not showing you this video right now. There are many examples. Now many people say that. Sir, we are from rural market. We don't know digital. We don't even know English. We have mobile phone. Our intention is. Do you want to do business or just listen to speeches if you want to do business. I am a business coach. I work on business. I have classes every day. Okay. If you are from rural then your business will run in rural as well. Online. Because you don't need to know English everywhere. You don't need to know technology. What do you want? You need your intention and a businessman like character. Then the face of your business will change. Okay. Your intention should be clear. You should have a businessman like character. That is you should have attitude. And then the face of your business will change. We have many brothers sitting here who do mdrt Katat. I did not do it in lic. But I have also done it in private companies. But I want to tell you friends that this is a panacea for you in my community also. 60 to 65% students are from LIC and 80% of them come from rural. If you search online you will see. This is a person who is from a very rural area of Orissa. He cracked the code within 1520 days of joining from this very rural area. Today he does such a good business. I cannot tell you. This is the video of the time when I joined 15 days ago. Hello, sir. Hello. Hello, sir. First of all tell me where do you belong to and since when do you work for which company? Since when have you been doing this? Sir, I am from Orissa, a small town from Bhuvaneshwar. I am talking about Nagar. 30 km away from Nagar. I belong to a jungle area which is called jungle area. So there are more mountains here for us. Okay. So I am associated with LI since January 2019. Sir, it has been just 15 days since your training. So these 15 days. Yes, yes. Yes. Tell me. Sir, in 15 days we have got six leads. Sir, my six leads became three policies. So the premium of all three was ours. 60,000 last night in 15 days only. Got this correct. I am not saying that you will learn in 15 days only. It may take some time for you. But please understand. All this is possible if you come digitally. Then you will come digitally. So write Digital. Friends, LIC is the backbone of India. And I want you to become the backbone of licorice. Even today 62% of LIC's business is done through agents. And in that 62% business 50% business is done through CLIA channel. That means we are at the right place. Our leaders are serving us selflessly. They are trying to teach us. Then they are bringing people like us saying teach, Teach, Teach. Yes. The future of both LIC and you is digital. Our Future is also digital. The question is will I change my behavior so that my business changes? Today you have to take the lead online. You have to create the trust factor online. Now see for trust factor. If you search on Google you will find out. Let's search for Digital Gyani from lets on Google. On Google you will find out their rating. How is this company running? What rating have people given them? Look here you got to know the rating of Digital Gyani. Education. You see this friends this is what I want to tell you for your trust also if I search you online will you be available as insurance agent? In let's indoor will your name come first? It is Tarune G's name that is coming. Your name is not coming. So I want to say that for this also you should go here I will put financial advisor. Friends, this is what I am trying to explain to you. That you can create your trust, your everything here. You can create it here online. And online means digital will save you time as well as money. And you can measure the whole thing. What all can you do? I repeat it again. I introduce myself again. Hello, my name is Yogendra. Welcome again to those who have just joined. I am Digital Gyani and co founder of Digital Gyani Academy. With Amit Sharmaji I have been in insurance for the last 26 years. I am an LIC agent since 1999 and have done a lot of work. Worked at many places in India. And I want to tell you that friends, there is a lot of scope in this India. India's population is good. GDP is growing. People's income is growing. What do we have to do? What we have to do is that we have to create our digital presence. We have to make our knowledge better than 90% of people. We have to make our attitude better than 90% of people. We have to make our skills better than 90% of people. Our habits and our system. Because system works, people fail. The system works, people fail. Build a system. And there are many organizations like us and Digital Gyani to learn about digital. You can learn from us. You can learn from any other organization. There is no problem. The problem is only in how you make an action plan. Now a new month has started. Today is the first date when you will be making your goal. That I want to earn this much income right behind it. That how many leads do I need with this much income? And how many meetings do I need? Now I have a minute. So before leaving I want to tell you that please when you do any planning, monthly sales Planning. Please do proper planning. Like I teach that if you want an income of 500 and you will get an average commission of 15%. If you pick up a check of average 20,000 then you will have to do around 17 meetings. For those 17 meetings you need 42 meetings. You will have to do 17 closures. You need 42 meetings. Here I have taken the meeting to closure ratio as 40%. And if you need 208 leads you will get 208 leads. Then according to 20% you will get 42 meetings and do proper planning like this. Then after that plan which campaign to run. Which campaign will bring you leads. I will also teach you campaigns here. Friends, I want to tell you that I want your well being and I want your well being. Because whatever I am today is with the help of blessings of people like you and seniors like you. So thank you so much. I will see you soon. I think I have another session at 10 o' clock so don't miss it. Thank you Akshay sir. Thank you Jagdish sir. Thank you CW Association. Thank you LIC for this platform. Thank you very much. Thank you Yogendra G. Thank you very much. Today I shared with you the knowledge of how to become digitally knowledgeable and how we will be able to move forward. How will we contribute in taking the insurance industry forward? You will definitely be joining the next session. You are heartily welcome. Right now our next speaker has joined us.