Combining ups and downs


Combining the ups and downs in a thread.

Making the way for moving ahead.

Met all the barks in day and night.

Waiting for the closure of fight.

New world and new beginning has arrived.

Now it’s time to suppress all the lonely fight.

Weather changes so do I.

Don’t ask me why.

Making space for a new position.

I am taking a startling decision.

Combining the ups and downs in a thread.

Making the way for moving ahead.

Ashish Kumar

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Insurance Terminologies – I


I have decided to start a new series of post containing various terminologies related to insurance which one can come across in dealing with insurance related matters. This is the first installment of this series. I will keep things simple and straightforward so that any one reading the post can understand. I will not cover too much terminology in one post. Each post will contain three to five terminologies. This may also be helpful to those pursuing or willing to pursue their study in insurance. So let’s start.

  • Insured: Insured is the person who has taken the insurance policy. The other word which is synonymous to this is the policyholder. Both are synonymous to each other. Suppose, if you have taken a life insurance policy, then you are the insured or the policyholder.
  • Insurer: This is the insurance company which provides you the insurance. The company providing life insurance is known as life insurer and the company providing non-life insurance is known as non-life or general insurer. Some of the insurers in India are LIC of India, ICICI Lombard, SBI Life Insurance, SBI General Insurance, HDFC Ergo General Insurance, Bajaj Allianz General Insurance, PNB Metlife etc.
  • Beneficiary: This is the individual who will receive payment due to annuity, life insurance policy etc. Nominee is an example of beneficiary who receives the payment on the event of insured death.

Ashish Kumar

The presence of diamond…


The thing which rests with you while you often ignore.
The people whom you often neglect while you explore.
The shower blessed by someone from his wishes.
And the thorny path turned into flowers from his wishes.
During the course of the journey one often forgets the importance of a gem.
Making the course slowly and reaching no end.
It is the ultimate truth which is often neglected.
As the presence of diamond is felt when it gets separated.

When you walk in the path which is smooth.
Prepared by someone with whom you were often rude.
Motivating you at each and every step.
At the end, he was not able to make his own step.
You enjoyed every moment and success  from the front end.
Ultimately leaving the one who was responsible from the back end.
It is the ultimate truth which is often neglected.
As the presence of diamond is felt when it gets separated.

Remember the journey of zero to hero.
Leaving the one alone as he became zero.
Can’t convey his pain when you were in disguise.
Sacrficing everything in order to make you rise.
Pushing you forward every time for your sake.
Making him lonely forever.
Wondered whether your presence was fake?
It is the ultimate truth which is often neglected.
As the presence of diamond is felt when it gets separated.

Ashish Kumar

Unable to listen sound…


Tuning in to other way round.
Unable to listen my own sound.
Just go and leave is the desire left.
All the valuables gone to theft.
Heart attacked and soul dismantled.
Life left me in a path scattered.
During the course of day and night.
Often I had a bloody fight.
Welcoming the challenges with open heart.
Never realized of broken heart.
The present scenario is not so good.
I need to convert bad to good.
But whenever…
I tune in to other way round.
I am unable to listen my own sound.
Unable to listen my own sound.

Ashish Kumar

Complaints about life…


In the crowd of millions.
It’s difficult to find the right one.
During the good and bad times.
It’s not easy to manage the time.
Life gave a lot of experience.
It is better to gain the real sense.
Startling situation came often in life.
I don’t have any complaints about life.

The world is full of fake faces.
It is difficult to find the right face.
Having no tragedy is a tragedy.
Better to face the tragedy.
Going in the dark side.
I often had the bad side.
Finding a shoulder to cry.
I used to smile followed by cry.
Done a lot to keep things intact.
Rather than blocking the contact.
Sometimes eyes were red and face became dark.
As I have to listen to people’s bark.
No issues as this is life.
Startling situation often came in life.
I don’t have any complaints about life.
Don’t have any complaints about life.

Ashish Kumar