In this post, we explore how it is nearly impossible for insurance companies to directly present their plans to the public. Therefore, they appoint a group of agents as their representatives, train them on how to approach people, provide detailed knowledge about the available plans, and teach them the importance of patience when engaging with clients. This post delves into the process of preparing these agents to effectively connect with the public.
This story also highlights how these well-trained agents must exhibit patience when approaching people, comparing their patience to that of Mother Teresa. One such person who carried the ornament of patience with grace was a woman named Nalini. Now, let us delve into her story.
This story also provides insights into how people’s attitudes toward insurance agents, who represent the company, have evolved over time. In earlier days, many considered insurance to be a bad omen. However, with the advancement of knowledge, people now proactively invest in insurance companies during their healthy and youthful years as a form of savings. This foresight allows them to enjoy a substantial pension during their retirement, reflecting their matured understanding in the present day.
Nalini’s Joyful Family.
A beautiful baby girl is born to a couple who married against their parents’ wishes. The father names the child Nalini in memory of his mother. He believed his mother had lovingly raised him but had been hurt and estranged when he expressed his desire to marry this woman. When his daughter was born during this period of emotional turmoil, he felt as though his mother had returned to him as his daughter. With a firm belief that, just like his mother, this child would care for him one day, he gave her that name. However, unable to bring himself to call her by his mother’s name, he lovingly addressed her as “Amma” and raised her with great affection.
Nalini’s father worked as an accountant in a private company. Living frugally on his income, her mother carefully saved money bit by bit, anticipating the day their daughter would get married. She wanted to ensure that they would not have to seek help from anyone during her wedding. With great prudence, her mother set aside a few thousand rupees for jewelry and wedding expenses over time.
Both of them lived entirely focused on Nalini, without thinking about themselves or securing any form of financial stability for their own lives. Because of this, they never contributed even a small amount toward health insurance or pension plans, neglecting their own future needs in the process.
During Nalini’s final year of college, her mother began experiencing unbearable abdominal pain. With the help of a neighbor, she visited the doctor, only to receive shocking news. Disturbed by the diagnosis, she decided urgently that her daughter’s marriage must be arranged without delay.
At the same time, Nalini’s mother made the neighbor who accompanied her to the hospital swear not to reveal her condition to anyone. The doctor had informed her that she had a tumor in her abdomen, which could turn dangerous at any moment. There was also a warning that it might be a cancerous tumor. Despite the serious nature of the diagnosis, Nalini’s mother requested only painkillers from the doctor, refusing any further treatment. The doctor, while prescribing the medication, cautioned her that it was not a permanent solution.
Arranging Nalini’s Marriage.
Nalini, who had been eagerly waiting to finish her studies and start working, was a bit taken aback when her mother expressed a strong desire to get her married immediately. However, understanding her mother’s insistence on arranging the marriage quickly, her father also agreed. Around the same time, a good proposal came their way, and they finalized it without delay.
Nalini’s Married Life.
Nalini’s married life was filled with happiness. During this time, her home received its first telephone connection. She shared the phone number with her mother’s landlord, instructing them to contact her at this number in case of any emergency.
The very next day, she received a call from there, leaving her shocked. The news was that her mother had passed away in her sleep. Nalini rushed to her mother’s house with her husband, only to learn for the first time about the serious health condition her mother had been hiding from her.
Taking Her Father Along with Her.
Nalini decided not to leave her father alone and brought him along to stay with her. Her husband helped her father secure a job as an accountant in a shop. Life began to settle well for them. Her father, in turn, handed over all the income he earned from the job to his daughter.
After some time, Nalini’s father collapsed at his workplace due to high blood pressure. He was admitted to the hospital, and she was informed about the situation. When she went to see him, she learned from the doctor that her father had suffered a stroke, leaving him unable to walk or speak anymore.
Life with Her Father for Nalini.
With her father no longer having an income and the challenges of caring for him while staying there, life became difficult for Nalini. Her husband began speaking harsh words to her, and eventually, he expressed his displeasure about her father staying with them. Hurt by his words, Nalini decided to leave that very afternoon with her father. She rented a room from the landlord of her parents’ old house and moved in with her father.
Nalini Goes to Work.
Near her home, Nalini easily secured a job at a private company, thanks to her B.Com degree. With the help of her manager, she managed to come home during lunch breaks to feed her father before returning to work. After a few months, she saved a few thousand rupees and eventually resigned from the job.
Nalini’s Divorce.
After some time, Nalini’s husband came to take her back home. However, she expressed her desire to dedicate her life solely to taking care of her father, whom she lovingly referred to as her child, and that she was willing to give up her married life for this purpose. Hearing this, her husband suggested that they proceed with a divorce and asked her to sign the divorce papers. Nalini agreed and signed them. Later, she went to court and obtained a legal divorce, officially ending their marriage.
Nalini Becomes an Insurance Agent.
Nalini vividly remembered how her family, lacking medical insurance and a pension plan, had struggled. Her mother had neglected her own health and avoided seeking medical treatment because she did not want to spend the money saved for her daughter. This eventually led to her untimely demise. Similarly, her father suffered in his old age without a steady income to support himself. These memories deeply impacted Nalini and motivated her to become an insurance agent. She wanted to ensure that others would not face the same hardships her family endured.
Nalini began sharing her own life experiences as an example when speaking with people. She used her story to illustrate the importance of insurance and patiently convinced them, step by step, to understand its value. Gradually, she encouraged individuals to enroll in these insurance plans, helping them secure their future.
Nalini focused her service primarily on small business owners and artisans. Additionally, she made it a point to include families with a mother, father, and one child, as well as couples without children, in these insurance plans. With determination, she implemented her plans and successfully helped these families secure their futures through insurance.
Nalini’s Innovative Approach in Her Service.
People who relied on daily business for their income often expressed that they couldn’t afford to set aside a lump sum to join an insurance plan. To address this, Nalini came up with an innovative idea. She encouraged a nearby family to give her a small amount of money daily, which she would save in a bank account. After a year, the accumulated amount would be used to enroll them in an insurance plan. She shared this approach with others as well, and they readily agreed, trusting her method.
Every morning, Nalini would visit people, collect a small amount of money from them, and allocate specific pages for each individual in a notebook to keep track of their contributions. She continued this practice for a year, and by the end of it, each person had saved a few thousand rupees. Nalini then used their savings to enroll them in pension plans with the insurance company, based on their preferences.
Seeing the few thousand rupees they had saved, the people became motivated and began saving larger amounts each year. Their enthusiasm for saving grew, as did their interest in enrolling in the insurance company’s plans. With the confidence that these pension plans would allow them to live peacefully in their old age, each individual willingly joined the pension schemes offered by the insurance company.
The commission Nalini received from the insurance company gradually improved her livelihood. She also enrolled herself in a pension plan, as she firmly believed that she would need to live independently in the future and wanted to secure her own financial stability.
Nalini decided that the amount she would receive from her pension plan after her time should go to an orphanage near her home. She informed the authorities at the orphanage about this decision and handed them a copy of the insurance policy document to ensure the funds would reach them as intended.
Nalini’s Father Starts Walking Again.
One day, Nalini’s father, who had been bedridden, surprised her by sitting up on his own. Overjoyed and astonished, Nalini slowly helped him stand and even encouraged him to take a few steps. To her delight, he also began to speak again.
The first words her father spoke were, “What has happened to your life?” To this, Nalini replied with confidence, “For men who believe a woman can achieve nothing, my life stands as a slap in their face. I have boldly given up my life’s comforts to take care of my child—you.”
The People Benefited by Nalini Express Their Gratitude.
The people who followed Nalini’s advice and invested in pension plans experienced immense joy when they began receiving their pensions. Their happiness knew no bounds, and they showered Nalini with heartfelt gratitude and blessings for transforming their lives.
Nalini’s journey continued with unwavering dedication. In her life, the thought of being “a lone tree” never crossed her mind, as all the people who benefited from her efforts felt like family to her. Her life turned out to be truly remarkable and fulfilling.
The Karmas of This Story.
Since Nalini was born under the Pooram star, her karmic record was determined by Mars Karma. If a child is born in a family under the stars Karthigai, Pooram, Moolam, or Revathi—either as their zodiac star, ascendant star, or the star of the ascendant lord—it signifies that they are born with Mars Karma as their karmic record.
Furthermore, if the ascendant lord is positioned in the eleventh house, or if the lord of the eleventh house is positioned in the ascendant, it indicates that they are also born with Mars Karma as their karmic record. Additionally, if the ascendant lord is placed in the seventh house, they too are considered to carry Mars Karma.
Nalini had expressed her desire to work and not get married, but the marriage happened due to her mother’s insistence.
Nalini’s father had Mercury Karma as his karmic record. In a family, if children are born under the stars Rohini, Uthiram, or Pooradam—either as their zodiac star, ascendant star, or the star of the ascendant lord—it signifies that they are born with Mercury Karma as their karmic record.
Furthermore, if the ascendant lord is positioned in the fourth house, or if the lord of the fourth house is positioned in the ascendant, it indicates that they are also born with Mercury Karma as their karmic record. It was due to the positive vibrations of this karma that Nalini’s father worked as an accountant.
Due to the negative influence of Mercury Karma’s planetary vibrations, her father suffered a stroke. At the same time, the adverse effects of Mercury Karma’s vibrations also led to Nalini’s life ending in divorce.
After Nalini began her service as an agent, she approached people, shared positive insights with them, and encouraged them to join the insurance plans. This brought about a positive vibration of Mercury Karma in that space. As a result, her father recovered from being bedridden and started walking again.
Due to the negative vibrations of Venus Karma affecting Nalini, she was unable to find happiness in her life and faced rejection from her husband. It was because her husband did not support her that she ultimately chose to leave the house.
In that family, due to the negative vibrations of Saturn Karma, Nalini’s mother passed away before reaching the age of forty. However, the positive vibrations of Saturn Karma granted her father a long life. It was also due to the positive vibrations of Saturn Karma that Nalini was able to continue her life as an insurance agent.
Furthermore, Nalini’s mother was born with Rahu Karma as her karmic record. In a family, if children are born under the stars Pusam, Visakam, or Sadhayam—either as their zodiac star, ascendant star, or the star of the ascendant lord—it signifies that they are born with Rahu Karma as their karmic record.
Furthermore, if the ascendant lord is positioned in the ninth house or if the lord of the ninth house is positioned in the ascendant, or if someone is born under Sagittarius as their zodiac sign or ascendant, they too are considered to have Rahu Karma as their karmic record.
Due to the negative vibrations of Rahu Karma, Nalini’s mother suffered from an abdominal tumor. At the same time, the positive vibrations of Rahu Karma enabled Nalini to travel on her bicycle, approach people, and successfully enroll them in the insurance plans.
Due to the positive vibrations of Moon Karma, Nalini lovingly cared for her father. Additionally, her gentle, kind, and affectionate approach while speaking to people helped her successfully enroll them in insurance plans.
Due to the positive vibrations of Jupiter Karma, Nalini’s livelihood improved through the commission she earned. At the same time, she ensured that her insurance benefits would go to the children in an orphanage after her lifetime.
Even if agents like Nalini are not available to guide us, each of us should, with our matured understanding, take the initiative to approach an agent and enroll in a pension plan offered by an insurance company. By doing so, we can ensure that our final years are peaceful, secure, and filled with happiness.
Om Sri Ganeshaarpanam.
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