Mr. P.J. Cheriyan is an independent, dynamic & visionary insurance, risk and wealth manager offering investment services to high net worth individuals, professionals, joint families and business tycoons.

Mr. Cheriyan is a professionally qualified person possessing MBA in the field of Finance from one of the renowned universities of India viz. Devi Ahilya Vishwavidyalay (Indore University), Indore and is a licentiate member of the large body of illustrious Insurance Agencies / Companies & Mutual Fund Companies such as Life Insurance Corporation of India, Insurance Regulatory and Development Authority (IRDA), National Insurance Company Ltd., Apollo Munich Apollo Munich Health Insurance Company Limited, Religare Health Insurance Company Limited, Birla Sunlife, Sundaram Finance, SBI Mutual Fund, LIC Mutual Fund etc. etc.

Mr. Cheriyan is having over 35 years of vast experience in the insurance & investments sectors and is currently a recognized and respected member of the Association of Certified Insurance Agents.

Having the atmosphere of booming economy, rising stock prices, manifold increase in salaries, spending power and living standards, have turned the spotlight of risk investments and wealth management. With the aim to bring more and more individuals under the umbrella of insurance, risk and investments the Insurance and Investment Agencies / Companies made their Herculean efforts to motivate the individuals, professionals, families, business tycoons to their fold by providing suitable products according to their goal/need/requirements.

Entering this arena and carving a niche for the investors, Mr. Cheriyan provided his services as a distinguished professional advisor and offered full range of insurance services, investment advice, portfolio management, tax saving advice etc. etc.

A committed insurance professional Mr. Cheriyan has been handling a range of insurance & financial products from term insurance, equity linked insurance to pure risk management & investment products from the insurance and Investment Companies in his long, illustrious and outstanding career.

Beginning on 29/11/1983 with Life Insurance Corporation of India, as a part time Agent in Indore, he moved from position to position as a full time Agent in 1992 as a member of the Branch Manager's club in 1995-96 and was awarded Membership of the pivotal clubs like Divisional Manager's Club in 1996-97, Zonal Manager Club in 1997-98 and ultimately the membership of the exalted CHAIRMAN'S CLUB MEMBER OF LIC in 1998-99 due to the exemplary service provided by Mr. Cheriyan.

Having contributed significantly in the field of mutual fund products of LIC, Mr. Cheriyan has also been awarded membership to the AREA MANAGER'S CLUB OF LIC MUTUAL FUND.

He has also attended following exclusive conventions as a mark of his excellent services in the insurance field :

• Individual Financial Advisors Conference at Bangkok (Thailand) in 2004-05
• Individual Financial Advisors Conference at Kulalampur (Malaysia) in 2007
• Individual Financial Advisors Conference at Singapore in 2008
• Individual Financial Advisors Conference at Macau in 2009
• Million Dollar Round Table Conference at Vancouver (Canada) in 2013
• Million Dollar Round Table Conference at Los Angeles (US) in 2014
• Million Dollar Round Table Conference at Toronto (Canada) in 2015
• Million Dollar Round Table Conference at Orlando (US) in 2016
• Individual Financial Advisors Meet at Hongkong in 2017

Having shared responsibility for managing multiple insurance and Mutual Fund product lines, Mr. Cheriyan's voluminous and quality of work has seen him not only working and travelling across the length and breadth of the county but also a number of foreign destinations. He has thus served and won the appreciation of not only Indian but many global clients for advisory services across a span of investment and insurance products including life insurance & mutual funds.

Insurance and wealth management is not only for the wealthy but it is a need of the hour and inevitable for every person of all the strata to protect their family against the unforseen events and wealth assets as well, which must last the family for the next few decades. All these come within the scope of risk and wealth management services.

Today people want to maintain the status earned during their peak to continue. Each person earns the maximum during his/her "peak" during which every rupee earned must be saved carefully. Appropriate planning can ensure that even as we age, we can do so gracefully with our investing and insurance taking care of our evolving financial needs. For planning all these, one has to approach an efficient insurance, risk and wealth manager and here is the trust worthy man who can help you indeed in all your needs, whose name is Mr. P.J. Cheriyan.

Basically, the service most Agents offer is transaction oriented. Most of them offer some tax saving and some equity linked insurance advise. But someone who has to manage his life risk as well as returns on money equations does not want this. People want somebody who can work with them over a period of time continuously to understand them, their family, their taxation issues, succession issues etc. There is a value addition when you deal with people over a period. So I can suggest more ideas and we can exchange notes on how to go ahead about risk and returns management.

Mr. Cheriyan works with the client over a period - six months to a year - in order to understand them, assess and gain confidence in his services. His effort is always to look at the specific needs of each individual client. It requires commitment, involvement and effort for properly servicing the clients. By offering one-to-one service, like a relationship manager Mr. Cheriyan provides for the element of exclusivity.

Having a customer - centric model, Mr. Cheriyan works with customers and offers them a range of services - investment advisory - in insurance products linked to debt, equity, mutual funds, derivatives, besides tax saving advisory, insurance (risk management), etc. to preserve and Grow Capital through Value Investing and a conservative investment strategy.

If you have fund to invest, a stock portfolio to manage, a family's life and health insurance needs to be fulfilled or just want to get some advice on how to invest your money then please feel free to contact us now.

Mr. Cheriyan will work with you to help you understand the insurance and investment Process and ascertain your risk profile. He shall then match this risk profile with a variety of assets available for inclusion in your portfolio. He shall make you invest for the short term & long term with variety of investment fashions. His equity / mutual fund linked insurance investing approach is driven by value. This involves the completion of fundamental analysis on all investing options considered for inclusion in your insurance / mutual fund portfolio.

Moreover you can trust Mr. Cheriyan as a friend and will help you out whenever you need in a very indeed & candid way.