dont have to keep worrying every year you can buy a policy with a tenure of 510 years slowly people have started warming up to the ideabut why diseasespecific coversa critical illness policy covers around 20 ailments most which you will not contract but two to three are killer diseases our research shows heart cancer and renal diseases are the major killers so we decided to price them separatelythe regulator wants products to be simpler how are you doing thatwe have created an architecture where all products are simple our objective is to make sure that everyone you me and the person on the street understand the products for example in our cancer product we say if you are diagnosed with stage 1 cancer take 30 of the sum assured at stage 2 or 4 you are entitled to say 70 nobody has to remember too many things we are also not restricting products to geographies or income levels when you do that the product design gets complicatedwhat about riders has the awareness increasedunfortunately people have not used riders in a big waywhat steps have you taken to check misselling the industry has done a good job over the last few years the trust has come back misselling is a function of a number of things how do you recruit distributors how do you measure their performance purely on the basis of sales logged or how much profit they bring in we measure the relationship quotient at each branch we rate them on the basis of sales they make and misselling recorded compensation is based on quality not just quantity technology throws up which product is suitable for you when you do all these things misselling will not happenhow do you measure satisfaction an external agencys study shows we have moved from rank 12 to three this year on customer loyalty our net promoter score nps has improved three times more people are recommending us around three and a half years back our 13th month persistency was in the late 50s now its at 75 during the same period last year it was at 71 so every year persistency is increasing more people are coming back to us