DIVAKARAN K A
Life Insurance, Health Insurance & Retirement Income Guidance
Life Insurance, Health Insurance & Retirement Income Guidance
Personal guidance on selected PNB MetLife life insurance and retirement income plans, and Aditya Birla Health Insurance options for you and your family.
My mission is to help 10,000 families take informed steps towards financial security.
About Divakaran
Having spent 33 years in Bahrain and served as a Chief Financial Officer, I understand the financial responsibilities of working families and returning NRIs. I help you understand your insurance needs, explore selected PNB MetLife options and review a personalised insurer illustration before making a decision.
Professional Recognition
PNB MetLife Award of Honor — recognition for outstanding performance, May 2024.
Pick what fits you best — the questionnaire will start with that in mind.
Two selected products for personal discussions. Product information is provided by the insurer — always review the official brochure and your personalised benefit illustration before deciding.
UIN: 117N129V04
Individual, non-linked, participating savings life insurance.
Guaranteed benefits and non-guaranteed bonuses are different. Future bonuses depend on declaration. Review the personalised benefit illustration for details.
UIN: 117N134V09
Individual, non-linked, non-participating deferred annuity.
Your annuity depends on age, payment terms, deferment period and the option selected.
About the Insurer & Claims Record
Official external source
Official Annual Reports
Official external source
Review the most recent published claims figures and their reporting period in the insurer’s official information.
Review the reporting year and how the insurer defines its claims figures. Individual claims remain subject to policy terms, coverage and assessment.
Official PNB MetLife campaign. Benefits vary by plan and option and remain subject to the insurer’s qualifications and policy terms; campaign figures are not a universal return promise. Review the official campaign and qualifications ↗
Health insurance
Divakaran K A
Health Insurance Advisor
Advisor Code: ABH11206771
Understand health insurance options for yourself and your family, with personal assistance in requesting and reviewing an insurer-generated quote.
Review the most recent published claims figures and their reporting period in the insurer’s official information.
Review the reporting year and how the insurer defines its claims figures. Individual claims remain subject to policy terms, coverage and assessment.
1
Answer a few simple questions
A short screening questionnaire so the discussion starts with what matters to you.
2
Request a personal discussion
Share your preferred contact time and channel — Divakaran confirms availability with you.
3
Review before deciding
Understand your needs and a personalised insurer illustration before you make any decision.
Completing the questionnaire is an enquiry, not an insurance application or a recommendation.
One question at a time. No contact details are needed until the end, and nothing is sent until you submit.
Step 1 of about 9
Yes. Many visitors already hold policies and want to check whether their existing cover is sufficient, or simply want to understand what they own. The questionnaire has a specific option for this.
That is completely fine. Select "I don't remember" and we can review your policy documents together later. Not knowing the exact figures does not block a discussion.
No. The Century Plan includes guaranteed benefits and non-guaranteed bonuses, and the two are different. Future bonuses depend on declaration by the insurer. Your personalised benefit illustration will show what is guaranteed and what is not for your chosen option.
The income begins after the deferment period you choose when the policy starts. The amount depends on your age, the payment terms, the deferment period and the option selected. Because this is a long-term commitment, remember that a fixed income may be affected by inflation over time.
Yes, you are welcome to submit an enquiry from abroad. Whether a policy can be issued to you, and the requirements (residency, documentation, payment arrangements), depend on insurer rules and your individual circumstances. This will be discussed before anything proceeds.
Choose "Need help deciding". The budget ranges in the questionnaire are discussion ranges only — they are not minimum eligibility rules or recommendations.
Divakaran reviews your enquiry and contacts you to arrange the discussion. Your preferred time is a request; availability will be confirmed with you. Completing the questionnaire is an enquiry, not an insurance application or a recommendation.
Life insurance is a long-term commitment with ongoing premiums. Stopping premiums or surrendering early can have significant financial implications and limited liquidity, especially in the early years. Please review the policy terms and your benefit illustration carefully before deciding, and discuss any concerns with us first.
DIVAKARAN K A
Life Insurance, Health Insurance & Retirement Income Guidance
Health Insurance Advisor — Aditya Birla Health Insurance Co. Limited
Advisor Code: ABH11206771
WhatsApp: +91 773 668 9162
Email: divamet.lim@gmail.com
This is Divakaran K A's personal insurance enquiry page, hosted on the Pravasi Academy website. It is not the official website of PNB MetLife or Aditya Birla Health Insurance Co. Limited.
Policy issuance is subject to insurer eligibility and underwriting. Benefits are subject to the selected product, option and policy terms. Please read the insurer's sales brochure and personalised benefit illustration before deciding.