“I Have Enough Money. I Don’t Need Insurance.” The One Sentence I Hear from the Clients Who Actually Need It Most. A few weeks ago I was sitting with a very successful businessman. Seven-figure turnover, multiple properties, kids in top schools, the full package He looked me in the eye and said: “I think I have enough money. And honestly, I don’t believe in insurance.” I smiled and told him: “That’s exactly why we need to talk.” Because here’s the truth nobody wants to say out loud: The richer and more capable you are… the more dangerous it is to die without a Plan B . You are not just a person. You are the goose that lays the golden eggs for your entire family. You know how to turn ₹10 crore into ₹50 crore. Your wife probably doesn’t. Your children definitely don’t — not yet. And statistics are brutal: 87% of family businesses die with the founder. Not because the family is lazy or stupid. Because nobody can replace YOU. Your vision. Your relationships. Your ability to make ...
About the Series: Stories of Service India’s civil services have long been shaped by individuals whose integrity, courage, and commitment have stood firm against the tides of pressure and politics. Behind every administrative decision lies a story — of conviction, of ethical dilemmas , and of leadership that often goes unnoticed. This series, “ Stories of Service ,” brings to light real accounts and lesser-known moments from the lives of Indian Administrative Service officers . Each story offers lessons in governance, resilience, and purpose — not just for those in public service, but for anyone who believes that integrity is the cornerstone of meaningful work. Through these narratives, the series seeks to inspire reflection on what it truly means to serve — with honesty, with humility, and with heart . In the corridors of administration, integrity often walks a tightrope between political expectations and professional duty. One such story from Gujarat in 2002 stands out — that...