M.R.C.F. Thomas - Thomas Group, We help in guiding customers to the right plan at the right time. We also provide follow ups, for the premium which are due, even though appropriate provider also provide the same. Give further guidance to the customer, to switch to the appropriate plans, at times, when the market fluctuates badly.You may be aware the requirements of insurance as well as the importance of investments in mutual funds. Both are stock market oriented. Simultaneously you have the option for converting ULIPS to Debt bonds which will help the customers for retaining the gains they have taken from stock market. It may be noted that the Debt market bonds yield regularly. Once the stock market shows the signs of crash, please switch to debt market bonds. Similarly when the stock crashes to the bottom, invest in share market which will yield more units that can be purchased at lower levels. Contact us for more details.