Bamjan who have Extend Insurance Network Between 90 Persons

 Kathmandu; No one knows what will happen at which stage of life. Ram Bamjan, teacher of Sankhuwasabha and agent of Citizen Life, he is an example of continuous struggle to achieve the success. Bamjan has succeeded in establishing himself as an exemplary and successful insurance agent by spreading a huge network with 90 peoples in the life insurance business within a short period of time.

The corona epidemic were not only made some people without family but also made them homeless. After the corona epidemic, the story of many people’s lives changed. Similarly, Ram Bamjan of Citizen Life has succeeded in becoming one of the people who changed the story of his life after the Corona epidemic.

The corona epidemic has badly affected the lives of many people. Between election and opportunity, Ram Bamjan, the agent of Citizen Life Insurance, has won the election and turned it into an opportunity. Between struggle and opportunity, Ram Bamjan, the agent of Citizen Life Insurance, has won the struggle turned it into an opportunity. Bamjan is currently a social teacher at a remote village school in Sankhuwasabha District. He is currently not limited to the teaching profession, but is busy as a social activist and as a agent of citizen life insurance. In the uplifting downing who came into his life was not identify himself only as a teacher facing various problems He also introduced himself as an insurance agent of Citizen Life Insurance.He became a cooperative owner around 2064 to raise the lives of village farmers and to make the low-income earners. Corona epidemic and the people of villager were taking loans. But he said that he was worried that the debt being increased the interest rate. And while looking way of solution, he saw insurance as a solution.

He went to Itahari to attend to personally organizing local meeting by the cooperative organization. And, the training was given by Ram Bahadur Khatri, Area Branch Manager of Citizen Life, who participated as an insurance trainer in the meeting, he attracted him. During the training, after training the insurance agent education he got way solution through the transfer the risk of loan and that the borrower’s loan can be insured as well,As he said, “Where there is a will, there is a solution.” The problem of issues was always worry about the villager’s debt. He started providing loan insurance (term insurance) to the debtors who joined his cooperative. At that time, he said that he used to run to the branch office of Citizen Life every day to get insurance for savers.

After attending the branch office on a daily basis, the head of the branch suggested him to work as an insurance agent. At that time, the corona epidemic was increasing. Corona epidemic was killing people. At that time, many people were getting insurance for their families rather than for themselves.

Schools were closed due to the Corona epidemic. Since he was a teacher, he had to go to school all the time. If people show desire and interest in anything, it is not too late. It is as if it leaves after completion. The same thing happened in the life of the agents Bamjan. He said that after the closure of the school due to the corona epidemic, he also took insurance related training through various online channels.Three years ago today, he formally entered the insurance business with Citizen Life’s agent license. “At that time, I didn’t even know about the company’s insurance policy and there was a lack of public awareness about insurance among the people in the village, due to lack of difficult to get insurance,” he expressed his experience.

Initially, he sold three life insurance policies of Citizen Life, and he was staying silent. After a long time, Amrit Rai, the manager of the Khandbari branch of Citizen Life Insurance Sankhuwasabha, advised him to sell insurance policies continuously and insure the local residents. Since then, he has been involved in the insurance business and till to continue is working as an insurance agent.

It is a big struggle to convince the general public to get insurance. Since I am a teacher and also the owner of a cooperative, it was not that difficult for me to get insurance and convince. Bamjan believes that as important as parents are for children, property is equally important. Bamjan has so far insured the lives of many peoples.

The company has always organized various refreshment programs to encourage agents and employees. However, he said that, he also shared the experience, organizing a program to encourage the insured to get insurance. “After organizing the program, the insured people get calls saying that they are encouraged to renew their insurance and get new insurance,” he said.

Because of the rural community has good relations everywhere and he is also involved in the teaching profession, He said that, the local people trust him quickly. People call me not only from my village, but also from far away to get insurance. Bamjan told them to receive also take to my contact number and asked them to get insurance.

Since I have been involved in the financial sector through cooperatives for the past 15 years, when insuring with me, the insured did not have doubts about the insurance. However, I came to know that they ask many questions to the agents of other companies without trusting them. In the past, I had to struggle a lot to get insurance due to geographical difficulties. He says that only going to renew the insurance and collect the insurance fee, It takes expenditure around 2000 rupees transportation fare, he said.

He said, the reason of company arranged the firms in the online system them become very easier. The company has arranged that the form can be downloaded and insured from online. After downloading the form and insuring a lot of people, I went to the office and expressed my happiness to the insurance post.

Stating that the ease of running for hours has come to an end with the development of information technology, he said that the expansion of online services has made it possible to work even in the village. And he says he is very happy because of the development of internet and online technology. “There is now a group of under the 90 people insurer under my leadership. And, 10 agents are very active in the group,” he said. He also shared his experience that no matter how many educated people are in the society, they will not proceed to get insurance unless they are responsible.

He said that in order to find ways to reduce the risk in the future, insurance is the only good way, encouraging the neighbors in the village society to get insurance and raising public awareness of the need to get insurance in schools and other professions. He said that the insurance business will also be continued as the teaching profession and the insurance business are also means of working close to the society.