When we meet the customers we firstly check out for their requirements and needs Accordingly we also ask them about their existing policies We try to give them something that is different from their existing policies and also that is sufficient as per his income family responsibility and other factors. It is very necessary to check out their previous data before giving them anything new We also have tie ups with many companies that help us give a wide range of options to our customers which they can decide as per their budget and other policies.