1st September L I C Birth day!

Yes FIRST SEPTEMBER is the birth day of the mighty Life Insurance
Corporation of India =as I normally say and write-in my exuberance
my Alma mater where I learnt the ART and SCIENCE of LIFE and LIVING!

LIFE INSURANCE is and its history  in India is more than a century fit!

I just recollect- absolutely happy recollections- ! I joined in 1961 and retired from services in 2001. Kindly go to the archives of this Blog ENVIUS THOUGHTS in https://nvsr.wordpress.com and the first post was my  TRYST WITH LIC”! I am sure my esteemed viewers  will enjoy it though for some it may be a repetition.

Let us all wish LIC  a happy birth day and many many happy returns of the day!


Coronavirus impact: LIC declares extension of premium payments deadline up to April 15- The New Indian Express






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LIC Central Office building YOGAKSHEMA in Mumbai.

Come September First great thoughts of Insurance Industry
Comes to mind! Concept India had practiced heftily
From time immemorial-Joint family system
Symbolized great practice! life insurance!

Came the current practice years hundred and forty eight ago
With the British Insurance companies in Eighteen seventy!
More than two hundred and forty companies Indian and foreign
Offering life Insurance protection to the selected citizens!

Came Independence and great leaders with Nehruji at the helm
Deshmuk as Finance Minister thought of nationalization
Born the great Life Insurance Corporation this day first September
sixty two years ago in Nineteen Fifty Six! Happy birth day to you LIC!

The above is what I wrote on this day a  year ago!
My esteemed viewers would have noticed that I always refer to LIC of India as my Alma mater! My Alma mater can be only Sri Meenakshi Sundareswarar High School, Karaikudi or Alagappa College, Karaikudi where I had my school and collegiate education upto 1961!
Websters Dictionary would say “ALMA MATER” is the college or school which one has graduated.
But I do deem the great premier Public Sector Organization LIFE INSURANCE CORPORATION OF INDIA which I served for more than FOUR DECADES as Alma mAter because it is here that I learnt the ART AND SCIENCE OF LIFE AND LIVING!
Joining LIC in 1961 in Thanjavur, gradually rose to the level of Deputy Zonal Manager on the date of retirement in March 2001- after having faced 12 transfers and served in Thanjavur, Coimbatore, Ooty, Madras, Madurai,Erode, Bikaner, Salem and Kadapa.
As I referred above LIC was my Alma Mater where I learnt the art and science of Life and Living- moving with and dealing with men and matters- happy policy holders, irate policy holders, intelligent agency force, good,bad and indifferent colleagues, prospects, union members and leaders of different hues- all taught me the art and science of life and living = -at the cost of repetition!
Even today after , 19 years of retirement, I pleasantly and happily recollect my vast experience in the life insurance industry.
Normally any employee will be availing the so called LPR-Leave Preparatory to Retirement- SIX months ,Sick Leave etc. usually. I always used to feel that this leave is not to be availed as a matter of routine unless one is really sick and needs it. So I went on with my routine till 28th February.

Came 28th February last working day to be in my career- yes it was only officially! In the farewell party, ZM told “Though Mr. Subbaraman is officially retiring today, I have made a request and he has also accepted that he will help me till the books are closed for the year. I expect all your continued cooperation to Mr. Subbaraman.”

After the party, an interesting dialogue with my ZM. Me: “Sir, you know well that I will be in the office at 9.00 am sharp every day and leave by 6.00pm. Now that no car allowances, no running expenses to be met by LIC, poor retired employee, I cannot afford to come by my car. At that part of the day buses will be heavily crowded and hence I will leave my home after 9.30 in the morning and come to the office by 11.00 am and similarly leave the office by 4.00pm and reach home by the time the buses get crowded.”

ZM: “Subbaraman! Do you think that I am that heartless? I will send the office car to pick you up and drop daily.”

My response (with a loud laughter): Sir, Subbaraman can afford to come in his own car for any number of days at his own expense. Don’t worry; I will be in the office as usual”.

Yes; I did like that all through the next 69 days; no salary, no allowances, no leave, no right or authority to pass a voucher for 10 paise, no right to initial a paper, no signature in any letter or note! Divisions were reporting to me as in the past 2 years and 10 months while in service. 31st March 2001 came. Cash- closing on 4th April, NB closing on 14th April, Claims closing and Accounts closing by the month end. Year was over and on 8th May the ZM called for a conference of Sr. /DMs in the Zonal Office Conference Hall, the then Chairman was also invited and that was the real last working Day for me and I was given a touching FAREWELL!

Sometime in the middle of April, I sought LEAVE for a couple of days to attend the Sr. DM’s daughter’s marriage in Coimbatore. The LEAVE was GRANTED with a request that I may hand over some papers of great importance to the Divisions- in — Charge of Vellore, Salem on my train route,  Coimbatore and Thanjavur which I did meticulously!!!!!”

An unforgettable CLAIM SETTLEMENT


One important event which I used to quote, wherever the opportunity arose in the Conferences at various levels, the meetings etc. goes like this. That always stands fresh in memory. One morning I was late in getting up as I felt a little tired; I could get up only at 5.00 AM. To some extent I thought of taking a day off. There was one Tamil news paper of high standard which normally carries a good number of obituary references. One important person of the town-wife of a well known industrialist- chartered President of Rotary Club- passed away on the previous day. As a person known well, notwithstanding my tiresomeness, I decided to go to their house, not very far away from mine, to condole the death. Funeral was planned for 3.00 pm in the day. Having seen the dead body, as is the custom I had my bath and having started the day, I thought of attending the office without any field visits. On the way to the office, it struck me that the deceased lady had a few life insurance policies with our Branch on which loan was availed not far back. I phoned up to a marketing official to trace the numbers. It was strongly working in my mind as to how the death claim can be settled on their return from the cremation ground. The numbers were traced, with the cooperation of the department concerned, necessary Intimation letter was prepared, Claim forms were prepared, and Discharge form was prepared including the cheque in favor of the nominee- the husband of the deceased!. After ascertaining the return of the family members after the rituals, I went along with the representatives of the Claims department, officers and the marketing wing to the policy holder’s house got the required forms filled up and letters signed and handed over the cheque- all within TWENTY FOUR HOURS from the time of death- an action that never was done in the corporation — I don’t think ever after that, a death claim was settled within 24 hours of death. That bigwig gentleman talked about the LIC’s settlement of the death claim so expeditiously to all those big people of Erode including the District Collector who came to condole the death! At the end of the day all the requirements for settlement of the claim were in the file except the Death Certificate from the competent authority which was also subsequently submitted within a week. People inimical to such activities in a derisive tone asked me whether I will settle all death claims so expeditiously; I told them “yes- sure” if it is exactly like the one that we had settled! But I did not come across any such case till my Branch experience came to an end!

In that very year there was another sensational tragic death of a local Doctor and the claim was settled in record time and both these two death claim settlements fetched an additional TWO CRORES of New business that year taking the Branch to the top in the Division!

Yet another Death claim related experience! At the instance of the Divisional office, I wanted to get the requirements for settlement of a death claim in respect of an Erode resident on behalf of another Branch. After having helped in complying with all the requirements and receiving the same, when I was about to leave the house, the claimant came behind me as if to see me off and in a hushed voice he asked me how much he has to pay me for the extra services rendered! I was indeed angry at his request; but posed as if I was so furious that I threw all the papers in his face, asked him to take care of the case himself and shouted at him that LIC is not such an organization and its officers will never succumb to such demeaning offers. Shocked client apologized profusely and I took all the papers from him and left!


Organized in Bikaner Division!

Never in the history of the Corporation till then was a publicity campaign organized; when I suggested a novel program with the caption “JEEVAN JYOTI YATRA” to cover 42 centers in the Division- where we had  Headquarters of our 42 Development Officers over a period of 21 days in the Divisional Management Committee Meeting, it was received with skepticism. But as I was a little persistent, we called the representatives of all the classes of employees and some leading agents, the idea was well received very enthusiastically and in the course of a fortnight decisions were taken, planning was done, all infrastructure were devised for the success of the yathra. Issue of the ‘on the spot policy’ and ‘claim cheque presentation’ in each of the centers was a part of the yathra program.

Though immediate procuration of new business was not the objective, the Division could get more than a crore of new business during the yathra. Talk of the Divisional area was LIC’s innovative Publicity programme! It provoked the society to the extent of two of the news papers writing editorials- one criticizing the LIC and the other greatly appreciating the novel campaign!


I took charge and made certain changes in some of the then existing practices which was endearing to all.

I started well and the year 1995–96 saw the KADAPA Division occupying NUMBER I position at the all India level in one count, NUMBER III in another count and NUMBER VII in a third count! In the first BMs’ conference of the year, the reasons for the success were analyzed and some ran thus: (1) I never asked the BMs for New Business! (2) Full freedom was given to the HOBs to move about and take care of marketing activities without prejudice to the administrative responsibilities. (3) For the first time Division in its history had a TELUGU speaking Senior Divisional Manager!!!!!!!! (4) All out support was flowing from the Divisional office to the Branches. (5) Cooperation and support from all sections of the employees.

One important episode remains green. In the Induction Programme for Sr. Divisional Managers at Management Development Center, Mumbai one of the visiting Faculty members made a complaint about the servicing in the LIC- normally it is done probably to provoke the participants! Immediately after the Session is over the Faculty will spend some time with the Principal in his cabin. I followed them and requested the honorable visiting Faculty his grievance, telling him all out efforts will be made to redress the same. He told that he is not having the details readily and it pertained to the non receipt of the policy document from Calcutta. He promised to give the details once he gets back to his office. Accordingly in an hour’s time the details were passed on to me. I took up the matter with my counterpart in Kolkatta and could get the problem solved in a fortnight! Mistake was partly on the policy holder- not keeping the office his change of address and partly with the LIC.

Normally after every training Session/workshop I attended, I used to give a feed back to the concerned under copy to my higher offices and the then RM (P&IR), Hyderabad acknowledged and appreciated the service rendered.

A few things remain green in mind after seventeen years of my leaving the Division- in 1998.

One was the honor that I got at the hands of the Zone- in- charge as the “EMPLOYEES’ SENIOR DIVISIONAL MANAGER” in a Conference of SDMs. Yes; this was my response: “If the ZM chose to honor me like this on the basis of the fact, that I diverted the budget that was allotted for Painting the DO premises, to painting the Staff Quarters in Kadapa, I will gladly accept the honor! Painting is done not for the sake of employees; but to strengthen the buildings that remained unpainted for quite a few years whereas the DO building had it recently and kept in a good state of repairs and look”.

Another episode that stands green in my mind is this: One of our Branch Managers attended a session in the National Insurance Academy, Pune. One of the important sessions was on “ROLE MODEL”. When the participants were asked to give a note on the Role Model according to the individual and whether he/she has come across one and if so the details. It would appear that he expressed that his Senior Divisional Manager was his role model and justified in the discussions his statement. Don’t be shocked; I was that SDM!?!?!? I know for sure that I can’t be, yet………………………..! This I came to know when I went to NIA for some Session and the Director told me and other participants about this and asked me the secret of my success. I simply told that the Manager had so much of love and affection, respect and regard which I may not deserve. What else it is?

As usual, Insurance Week –week of EIGHT days was celebrated all the three years when I was there with the cooperation of all sections. “RUN FOR LIFE INSURANCE” was a special feature with the volunteers donning special Tshirt, procured from Tiruppur, Tamilnadu for the occasion.

Campus- a big campus with DO building, Staff quarters, Community Hall, Guest House and SDM’s quarters with a well found Residents’ Association having a lot of activities-observing Ugadhi, Vinayaka Chathurthi, Christmas, New Year Day and so on with all sincerity and solemnity.

All LIC sports activities were carried out with genuine concern and interest.

I vividly have in mind the case of the termination order issued for a sub-staff member in one of the Branches. Convinced that it was too severe a punishment for the offence committed, the matter was taken up with higher authorities and the order was rescinded. Probably this was also a cause for my honor of being called ‘Employees’ SDM’!!!

‘Kavi sammelan’ organized was well received as an incentive to the high producers among the marketing team.

Perfect liaison and rapport with the public, with district administration, other organizations all added to the glory and popularity of LIC and those connected with the great Institution.

Three year stint was drawing nearer and I was to retire in 2009 February as per the retirement age 58. Unusually, for the first time in my career, I was asked to choose Hyderabad or Chennai for my final transfer. For obvious reasons, I chose Chennai and joined the Southern Zonal Office, Chennai.

In spite of several private life insurance companies having come into being and operating in full throttle,consequent on denationalization, GIGANTIC L I C maintains its greatness and top position both in sales and service. Retired or serving, all connected are legitimately proud of the tremendous progress LIC is making year after year!

This Blog I started with my first post titled “MY TRYST WITH LIFE INSURANCE CORPORATION OF INDIA” one thousand six hundred and seventy days ago!The Blog today has a total views of nearly 2,10,000 from more than 210 countries. I am proud LIC – my Alma Mater- is taking care of me even at this age of 78 plus!
Let me close this Sunday story with this and we shall continue tomorrow as usual. Till then and later all our lives may God be with us! Thanks.


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LIC Building on Mount Road, Chennai-Southern Zonal Office


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Blogger N V Subbaraman  addressing Rotary Club Members in 1986  at Erode!

Aao pyare saath hamare
Janseva hith sanj sahare!

Samyak sanchay aur nivesan
Jan man kaa hi hith samvardhan
Nigam neeti kaa uchcha lakshya hai
Vyakti aur parivaar thaan!

Lok hithaishi seva dhiksha
Jan man prerith sathath suraksha
“Yogakshema” hi paramadhyeya hai
Nigam hamara priya samsthaan!

Uto nigam ke sachche sevak
Abhikarta jan aur prabandhak
Bula rahe hai, kaarya lokahith
Thum par nirbhar jan kalyaN.!

Aao pyare saath hamare
Janseva hith sanj sahare!



JBN Silver Jubilee Celebration program

One of the leading premier Public Sector Organizations of India that is Bharath our holy Motherland is LIFE INSURANCE CORPORATION OF INDIA which was my Alma mater for more than four decades where I learnt the Art and Science of Life and Living! I make my bread and butter even today at past 78!
I have served this great Institution in different parts of the country-Tamilnadu, Andhra Pradesh, Rajasthan- and as a part of our Central Office in Maharashtra.  I have travelled far and wide India for my official duties!
Corporation has developed housing in a very gigantic manner for its employees in some places and for its POLICY HOLDERS in many centers.
Housing for its policy holders is done and in many centers called JEEVAN BIMA NAGAR. In that way we have Jeevan Bima Nagars in places like Mumbai, Bangalore, Kolkatta, Delhi, Chennai etc.
Since my last transfer in service in 1998 from Kadapa, Andhra Pradesh to Chennai I have been a resident of JEEVAN BIMA NAGER, CHENNAI where I own a two bedroom flat which I purchased in 1995 when I was in Salem at a total cost of Rs.5, 75,000 including registration charges. A beautiful Nagar by itself one of the biggest in Chennai 944 Flats, Community Hall, Kids World, Youth World, Women’s World etc   within a compound wall and has FIVE  gates in a vast  area under  Ambattur Municipality. –

A quarter century is gone since the colony- a mini BAARATHA NIVAS was born-citizens from North and South, East and West and center – a mini township well taken care of by the office bearers of the JEEVAN BIMA NAGAR FLAT OWNERS WELFARE ASSOCIATION – a Registered Body duly constituted and having a well drafted constitution and bye laws approved by the Government authority right from 1994. Office bearers since inception have been giving their best for the development of the colony and the welfare of the residents. In fact one can confidently say that this JEEVAN BIMA NAGAR IS A MODEL COLONY in Chennai as of now.


President: Mr. C. Sundararajan.
Secretary: Mr. P. Boominathan
Treasurer: Mr. Radhakrishnan

Here is my Tamil poem presented on a happy occasion which talks about the greatness of this Jeevan Bima Nagar:. .

ஒற்றுமை ஓங்கவே!

ஒற்றுமை ஒற்றுமை ஒற்றுமை
வேற்றுமையிலும் ஒற்றுமை
ஓங்கவேண்டும் ஒற்றுமை
நாடும் வீடும் ஓங்கிட
வேண்டும் நாட்டில் ஒற்றுமை
வேண்டும் உலகில் ஒற்றுமை!

ஜீவன் பீமா நகரிது
பாரத விலாச நகரிது!                                 8
வடக்கும் தெற்கும்
கிழக்கும் மேற்கும்
கூடி வாழும் நகரிது!

கோலம் கூட ஒற்றுமை
காட்டிக் கொடுத்த நகரிது!
முதற் பரிசும் இரண்டாம் பரிசும்
பெற்றதந்த கோலமே!
ஜீவன் தந்த நகரிது                                   16
பீமா செய்த நகரிது  !
ஜீவன் பீமா நகரிது
நாட்டுக்கே எடுத்துக் காட்டும்
நமது வலிவு மிக்க ஒற்றுமை!

நல்ல சங்கம் நமது சங்கம்
நல்ல வழி காட்டும் சங்கம்
வாழ்க நகரம் வாழ்க சங்கம்
வாழ்க மக்கள் அனைவரும்!                           24

அமைதியும் ஒற்றுமையும்
கைகோர்த்து நடக்கட்டும்!
மகிழ்ச்சியும் மானுடமும்
பெருமையோடு பறக்கட்டும்!
நாடும் நாமும் ஒன்றெனப்
பாடுவோம் இந்நாளிலே
ஏடெடுத்து எழுதுவோம்
என்றும் நின்று நிலைக்கவே!`                              32.

சேலத்தில் இருக்கையிலே செய்தி வந்தது
சேலத்து மாம்பழமாய் இனிமை தந்தது
ஜீவன் பீமா நகர் பிறக்க வழி வகுத்தனர்
ல்லமுறையில் நாமும் வாழப் பாதை தெரிந்தது!

என்ன இந்த இடத்தில் நமது வீடா
என்ற ஐயம்  பிடுங்கித் தின்றது!
வந்து விட்டேன் ஆறு லட்ச விலைகொடுத்தே!
அந்த நாள் முதல் இந்த நாள் வரை                              40
வந்த நண்பர்கள் வளர்ந்து வந்தனர்!

நல்ல சங்கம் அமைத்து நம்மை
நன்றாய் பேணிக் காத்தனர்!
என்னவெல்லாம் செய்ய வேண்டும் என்று
எண்ணிப்பார்த்தனர் அனைவரையும் ஒன்றாக
அணைத்துச் சென்றனர்! அன்றிருந்த நிலைமைதனை
நினைத்துப் பார்க்கிறேன்!

மேடு பள்ளம் அத்தனையும் நேராக்கினர்                         48
பாடுபட்டு மரங்கள் வைத்துப் பசுமையாக்கினர்
எத்தனையோ வளர்ச்சி என்று
வியந்து நிற்கிறேன்!சிரம் தாழ்த்தி நன்றிதனை
சொல்லி மகிழ்கிறேன்! அவர்கள் பட்ட பாட்டினையே
எண்ணிப் பார்க்கிறேன்! காலை மாலை இரவு என்று
தண்ணீராய் கடமை புரிந்தனர்!காலனியை மேம்படுத்தி மகிழ்ச்சி கொண்டனர்!
என் வீட்டை நான் காப்பது எனது கடமை
என்பதனை என்றும் எண்ணி நடந்து செல்கிறேன்!
கால் நூற்றாண்டை நாமும் கடந்திருக்கிறோம்
மேலும் பல்லாண்டு காலம் மகிழ இருக்கிறோம்1

வாழ்க நகர், வாழ்க சங்கம், வாழ்க மக்கள் என்று கூறி
முரசம் கொட்டுவோம்! இதய கீதம் பாடுவோம்!                  61


Unity , unity,unity
Unity in diversity
To flourish is unity
Home and nation to prosper
Need is national unity
Need is universal unity
Jeevan Bima Nagar is this
Baratha vilas township is this
North and South!                                    8
East and Wes
Unitedly live heret
Even the drawings in front of homes
Displayed sense of unity in colony!
First and second prizes
Annexed by these two drawings!
Jeevan given town is this
Bhīma made town is this                            16
Jeevan Bhīma Nagar is this  !
Model to the whole Nation
Is our unity, strong unity!
Good Association is our Association
Good guidance giving Association
Hail the Nagar hail the Association
Long live all the people!                 24
Peace and unity
Walk with hand in hand
Happiness and humanism
Let fly with pride!
Nation and we are one
Let us sing on this day
Write in our golden books
To last forever!`                                                 32.
News came when I was in Salem
Sweet like Salem Mango it was
Way was laid for the birth
Jeevan Bima Nagar in mirth
Road was seen for our happy life!
IS this the place where we have our house
Doubt began to nag our mind!
Came here purchasing for six lakhs!
From that day to this day
Friendship with many developed
Good association was formed and
Take care of us sound!
What all to be done
Was their constant thought
Took all of us as one together! Think I                                48
The condition that prevailed then
Ups and downs in the roads were leveled
Planting sapplings they made colony go green
So much of development delighted I am
Bowing my heads I gratefully thank them
Morn day and night- never an issue
Did their duties as the water does
Found joy and happiness at the developed Nagar
My duty it is to maintain my flat nice
Conscious I am and do take care
Quarter century we have walked together
Very many more years we are to enjoy
Hail to thee our Nagar, our Association, our people
Let us trumpet aloud and sing the song of joy!                           62

!Here is an English acrostic poem by Miss. S. Nivetha of 12th Block – National Book of Records for Children holder for having been the youngest Poet Delegate in the International Multi Lingual Poets Meet held at Vijayawada in 20016 when she was in her 12th standard and presented her poem.


12/2045, JBN, Chennai

Long live our great Jeevan Bima Nagar
Outstanding services to the residents
New and innovative steps are taken
God bless the Association and members!

Living is pleasant in the colony
I have so many good friends here nice
Very many worlds’ here-kids to women
Enjoyable for all the residents!

Jeevan Bima Nagar creation of LIC
Better than any other private promoters’
Nice indeed is so much of vacant pace
Functions of all celebrated very nice
Owners and rented families in peace
Welfare of all taken care of sure
All will live in unity and harmony pure!

(This is an acrostics poem where reading of the first letter of each line gives the title of the poem

We about 900 families,  residents of JEEVAN BHIMA NAGAR numbering around 4000 enjoy our lives- with the schools, shops, markets, temples, churches and mosques, buses and bus stops nearby.

Silver jubilee celebrations are on with great enthusiasm and happiness! Golden Jubilee celebrations are just another twenty five years near!!!!

JBN Chennai Community Hall.


Normally no-but as a special case, I asked -here is the hero of the day whose views on ENVIUS THOUGHTS I am presenting to my esteemed viewers!
I am M.Ravindranath Reddy, born on 18.11.1964, a regular follower of the blog. I am presently working as Administrative officer in CRM department in Kadapa Divisional Office of mighty Organization LIC of India.

I have worked in various capacities in Kadapa Division From Sep, 1984 to Oct, 2001 and presently since June,2012. In between Oct, 2001 and June, 2012, I worked in Audit(Hyderabad), Wanaparthy, NagarKurnool and Ballary. I joined the corporation with Intermediate qualification. Subsequently, I completed my post graduation in `Public Administration’ and I am an Associate of Insurance Institute of India.

Good morning Sir. I am really in a pleasant surprise. I never thought that my responses will be one of your posts, because of my normal English. Really it’s an honor for me. I am blessed and overjoyed. When I viewed my responses in this post, I was thinking whether all this was written by me. I want to write so much but unable to express my feelings. Wishing you a sumptuous Sunday Sir

Congratulations Sir. Tremendous pace. Just 4 posts. Wishing to cross 158000 with 1290th post.

Good morning Sir. We had a nice read about South African anti apartheid revolutionary, philanthropist and political leader Nelson Mandela. It is very apt to remember him on his birth day, born exactly 100 years ago. His quotes are very popular throughout the world. “If you talk to a man in a language he understands, that goes to his head if you talk to him in his language that goes to his heart”.

Good morning Sir. Today’s post has taken me back to my childhood movie watching days. In some old Telugu movies, people are shown going to Burma for livelihood and the hero is hailed as returned from Rangoon, the earlier Capital. In fact there is a movie titled” Rangoon Rowdy”. If my memory goes right, Burma is famous for its rubber industry.

Good morning Sir. Please check 10 th line of 1st para. For will it is typed as ill. Please correct it. I will be back Sir. Going for a walk with my wife.

Sir, Had a nice read. Happy to hear that your mother tongue is ‘ Telugu’ and also you are graduated in mathematics. I too have flair for Mathematics(Arithmetic). ” I know no God ….

Be kind, be friendly”.
All this shows your true self. You are a perfect humanist. I too believe in humanism. No God for me. Whether you like it or not, I am an atheist. I want to share with you. Long back (30 yrs back) some homam was performed in Kadapa. Everybody gave donations . After this incident during that time only, floods created havoc in Kavali. Donations are raised by our union. Most were reluctant to donate citing one reason or other. For homam — readily came forward, For helping—– reluctant. After going through the post, I say that you are everything- a poet, a humanist, a mathematician. You are in a single word
” what not”. I will not further bore you. .

Good morning Sir. Congratulations on a mention about your blog-post on 06.07.18,health is wealth by EricMWalk. We LICians will treasure you as our wealth.
Good morning Sir. Today is 28 th and not 29 th. Please change today as tomorrow
Sir, finished walking etc. By seeing the post,I recollected story on tigers by Jim Corbett- British author. In the beginning, he hunted large number of man-eating tigers in India. He wrote many books recollecting his hunts & experiences. Later in life he spoke out for the need to protect India’s wildlife and was instrumental in creating National reserve park for the endangered Bengal tiger, named Jim Corbett National Park in his honor.

Congratulations Sir . The paper cuttings posted now and then are not clear Sir. We could read the information with some difficulty. Congratulations once again Sir on going to receive the award at the hands of Union minister


Good morning Sir. Congratulations Sir on crossing 160000 views.

Good morning Sir. Thank you for making me know about the great festival of Nagaland. Unlike most of the festivals where roads and streets are made garbage after the festivals, this festival is committed towards cleaning; repairing and clearing .A leaf might have been taken from this festival towards Swatch Bharat

Good morning Sir. No post yet

Good morning Sir. What a ghastly day! Hiroshima was chosen as a target because of its military importance.
Congratulations Sir on crossing 162000 views

Good morning Sir. Best wishes to this great senior citizen who teaches and makes us know many things. When someone asks me whether my parents are with me, I proudly say that I am with them. My wife is not a daughter-in-law, she is a daughter to them. She takes Care of them better than me. Sorry Sir, I could not resist praising my wife even at slightest opportunity.
Good morning Sir. Today somehow you have sent wrong link. In press, ‘p’ is replaced by symbol ‘[‘. Hence site could not be reached. Viewed today’s post through link sent by you yesterday. I am resending the WhatsApp message for your ready reference.

Good morning Sir. Youth is the biggest asset of any country. It is for any country to utilize this asset in a proper way.

Yes Sir, the team would have been a formidable one. The other way round, who knows we might not have seen Gavaskar, Miandad, Sachin

Good morning Sir. True, Mahatma Gandhiji has shown the world the power of truth and non violence.
Good morning Sir. Congratulations Sir on crossing 165000 views. My eldest son Rohan was born on this Parsi newyear day

Good morning sir. Yes Sir, We are struggling. They got immune to all. How to overcome the mosquito menace?

Good morning sir. Had a nice read. People in Namakkal are lucky enough to experience this day.
Sir, small typographical error in line 5. Please correct ans as and( Sun and moon)

Good morning sir. Had a nice read. You are never a toothless person. Just a small aberration for just 1 month- 9 days+21 days. Wishing a perfect denture Sir and sumptuous Sunday

Good morning sir. Our tributes to the great legend Dhyan chand. There is no better person to get this honor.
Sir, correction in first line. Hocky to Hockey.
Good morning sir. Passionate people like you made LIC more purposeful. Wishing you sir happy LIC formation day and great weekend

Good morning sir. Wishing you happy Krishnashtami. Please check Sir. The post is repeated twice.{(total 3 posts).

Good morning sir. We treat you as a teacher as we are learning & knowing many things from you. Wishing you happy teachers’ day. Congratulations Sir on crossing 169000 views
Good morning sir. Had a nice read. You made me remember that today is my wife’s birthday. Age is catching up with me also. I love 9.May be I was born on 18th( 1+8=9). My younger sons were born on 27th(2+7=9).My eldest son just missed the bus.
Born on 17 th. Thank you once again Sir. It is time to wish my wife. Presently out of station( Hyderabad).

Good morning sir. Wishing you happy Vinayaka chavithi

Good evening Sir. Congratulations Sir on crossing 174000 views. Awaiting semi magical figure of 175000

Sir, With respect & regards in abundance towards you, I am bringing to your notice the minor spelling mistakes. It’s embarrassing to hear the word sorry from you. You can just say thanks and no sorry.
Sir, I have forgotten. Age is catching up with me also. What about the new beautiful teeth? Hope you had them.

ood morning sir. It’s nice to know that a day is earmarked for Animals. Those people leading a stressful life should have these pet animals as they are the real stress busters

Good morning sir. Definitely we will Pay our respects. One is in my home, my father, a retired lecturer.
Good morning sir. No surprise that you are the only person to present poems in 3 languages. You have presented the translation/ transliteration of ” Geyaniki Rekkalu” in English/ Tamil .It would have been better had the original in Telugu is also posted. Please check Sir, the entire post is repeated (duplication).
Good morning sir. Wastage of food is nothing but snatching of food of others. This is more in marriages, unnecessary parties, dinners etc. I read somewhere that in China for any functions/ meetings there shouldn’t be gathering of more than 100.Me on my part avoid parties arranged for no genuine reason.
Good morning sir. Great reminisces of 58 yrs back. Wishing you Sir a wonderful Wednesday

Why Sir no post till now

Good morning sir. Wishing you a sumptuous Sunday. Please make my wish with your new ornament
Good morning sir. Nice post Sir. I like people who have financial discipline and also encourage people to have financial discipline.
May we expect a second post today on the inauguration is Statue of Unity.
I can comment(in a negative sense) only on spelling mistakes but not on content. For that matter you will not give any scope to comment.
Really Sir, it is a very nice post. It has everything on Unity. It is not at all a matter for you even it is an urgent presentation.
Sorry Sir, I have stolen my office time. I couldn’t resist.

Good morning Sir. Had a nice read. Small correction sir. Not in content.
“Vegans, f it is eel issue of ethics and health.”
eel missing from feel .Get eel after f and remove eel after it is.
Wishing you a great day Sir

Good morning sir. Congratulations on crossing 180000 views. Wishing you Sir a great weekend


Good morning sir. Yes Sir it will be very demanding on mind to blog day in and day out. Your passion should not affect your health.
Please check the figures posted (days/posts). Discrepancies observed. Starting line- 1400 th post on 1279 th day on 4.11.18.But it is shown as 1298 th day on 19.9.18. Also in the links sent by you, discrepancies observed. Being sent as screen shots. Please check. After all I am your ardent fan though I am a novice in literature

10.11.1 8
Good morning sir.
At least on this day we should follow with real and true spirit.
11. 11.18
Good morning sir. While going through the post, I was thinking that I had a point to inform you but you have not given me a chance to do so as it
It has appeared under point no.6.Yes sir, I am talking about play grounds in schools which have now become a rarity.
I take pride and feel my profession as very Noble. Yogakshemam Vahamyaham.
Good morning sir. Now a days, kindness is fast disappearing. To some extent, technology is killing our inner qualities. Addicted to smart phones! When some untoward incident occurs, instead of taking a rescue act, many people are engrossed in taking videos of the incident.
In this context, whether apt or not,I would like to share the Kevin Carter incident.
Carter shot in Sudan a photograph of a little girl starved and hunger stuck lying on ground while a vulture lurked on the nearby ground. A few minutes later he left the place. The photograph won Pulitzer prize. When he was basking in glory someone commented that there was another vulture at that place, that is Carter himself as he hasn’t cared about the girl. Carter could not withstand his act and committed suicide at young age of 33 in 1994.

Image result for Images of N V Subbaraman

The Blogger in his Kadapa LIC office cabin where Mr. Ravindranath was a colleague.


Image result for Images for world savings day 2018

“Look at the ants and learn the habit of saving for the rainy day”
The nice and great advice we have been hearing since our childhood days!
Rainy days are inevitable for every one in life-old
Age bound to come and we do need wherewithal to live life of gold!

Several ways of savings-the days were there when the people of olden
Days used to keep all their savings money or gold kept in vessels and
Keep it under the grounds in the corner of their dwelling- never used
Treasures we find here and there and supposed to be given to the Government!

Savings to be done -not putting every thing on one plate- skill
Of savings to be developed through training and experience-still

Sixth sense helps a lot! October 31st today WORLD SAVING DAY

Let us start savings and teach our young ones also -to have a nice future!

Image result for Images for  savings through LIC


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LIC Central Office building YOGAKSHEMA in Mumbai.

Come September First great thoughts of Insurance Industry
Comes to mind! Concept India had practiced heftily
From time immemorial-Joint family system
Symbolized great practice! life insurance!

Came the current practice years hundred and forty eight ago
With the British Insurance companies in Eighteen seventy!
More than two hundred and forty companies Indian and foreign
Offering life Insurance protection to the selected citizens!

Came Independence and great leaders with Nehruji at the helm
Deshmuk as Finance Minister thought of nationalization
Born the great Life Insurance Corporation this day first September
sixty two years ago in Nineteen Fifty Six! Happy birth day to you LIC!

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LIC Building on Mount Road, Chennai-Southern Zonal Office


insurance awareness day 2018 க்கான பட முடிவு

Insurance-a great concept from the days of yore
Joint family system practiced by our ancestors
Indeed great! But collapsed – social revolution!
Insurance for economic problems great solution!

Lack of awareness keeps all away from insurance
Despite a big team is ready for assistance!
Excuses readily offered for not going in
Insurance is a concept purchase-invisible!

On this day let us all review our insurance needs
Take concrete decisions for the benefit of all
Life or general a must for the family sure
waste not time to go in for safety it is pure!

insurance awareness day 2018 க்கான பட முடிவு


“We look before and after,
And pine for what is not;
Our sincerest laughter
With some pain is fraught;
Our sweetest songs are those that tell
Of saddest thought.”

is one of the quotable quotes of the great poet P B Shelly which I love very much. Many a time our sweetest songs are those tell of HAPPIEST THOUGHTS!

That way I have many many sweetest songs ringing in my memory. One such forms this week’s Sunday Story. I am sure my esteemed readers will enjoy the same.

I am ever grateful to the Lord Almighty-the Omnipotent, Omniscient, Omnipresent- who directs me in all my activities and in particular who guided me to Word Press and with HIS grace I picked up, launched my Blog ENVIUS THOUGHTS in https://nvsr.wordpress.com, on 25/2/2015, gradually built up the viewership and I am indeed proud of my esteemed viewers from more than 210 countries. As of now total views have exceeded 1, 29,000. This indeed has fetched me a place of honor in the INDIA BOOK OF RECORDS!

When I was camping in Trivandrum for the International Writers’ Festival held on 27/28th December 2014 I happened to meet one of my  former colleagues in the great Life Insurance Corporation of India of which I was a part and parcel for more than four decades. In fact LIC continues to be our HOME. He is one Shri Hari Krishan Chaudhary from Chandigarh.

Though it was the first time that we met with each other face to face, we felt as if we were known  for decades!

As train fellow travelers, we were together for a couple of days and we parted to our respective homes. But those happy moments and thoughts still linger in my memory.

After returning home, Mr. Chaudhary wrote the following and the same was published in the prestigious house magazine of LIC of India “YOGAKSHEMA” which I reproduce below:


As I got up early in the morning, he was sitting in the drawing room of the LIC guest house at Thiruvananthapuram.  He greeted me and introduced as an executive who retired from my organization fourteen years ago. He was too agile for his age of 74 years. He narrated his tenure in LIC as a Marketing Manager and later Deputy Zonal Manager deliberately ignoring his other accomplishments. Only when I asked him the purpose of his visit to Thiruvananthapuram , he said that  he had come to attend an International Writers’ Festival where he was to present his paper.

A Tamilian, he told me casually that he was an author of 27 books, the majority of them on poetry and some translations of great works of literature. I had goose bumps sitting with such an accomplished person.

He gave me his book of poetry in English. I glanced through one of his poems. The ten liner titled “The Retreat” was excellent. It was about a dog chasing him and he just pretending to pick up a stone to scare it away and the dog retreated fast. According to him the same strategy was to be followed in dealing with the life’s problems chasing you. They can be scared away with patience and courage. He narrated one of the works of a great writer of Tamilnadu, Saint Thiruvalluvar. His work “Thirukkural” has been translated into more than 90 languages of the world next only to the Holy Bible and the Holy Quran. He  has translated 500 couplets of the Thirukkural in Haiku format (5-7-5 syllables). I didn’t tell him that I had never heard about Saint Thiruvalluvar but I resolved to read the Thirukkural at the first opportunity.

He was filled with pride narrating his published work-the Tamil translation of Tagore’s ‘Gitanjali’ and Subramaniya Bharathi’s ‘KUYIL PAATTU” – the cuckoo’s song- into English. His recent article in ‘THE HINDU’ newspaper titled ‘ Onion is not Oxygen’ exhorting people to shun expensive onions was widely appreciated. He narrated how he receives calls from his three sons, one from Canada, the other from journalist in Bangalore and from the third one local- when he is in office. As he is talking his mobile rings and without seeing his mobile screen he knows that his son is calling from Chennai . Before conveying his well being, he narrates his meeting with me to his son repeating my name and his voice is filled with respect.

He said he feels relaxed with the calls even when he is travelling and inconvenienced. I regretted my question of his not travelling with his wife for he almost choked with emotion narrating that his wife passed away recently and how 2014 was a tough year for him. Responding to my queries, he said that he earns very little royalty from his books but he gets some complimentary books from publishers which he lovingly distributes among his friends. The occasional meager royalty goes  to Chennai Sevalaya, a charity.

I quoted Avtaar Singh Paash’s Punjabi poem: “Sabh ton khatarnaak hunda hai murda Shanti naal bhar jaana, ghar to nikalna kaam te, te kaam ton ghar jaana, sab tonkhatarnaak hunda hai saade supneya da mar jaana” ( It is very dangerous to be filled with corpse-like peace, going daily to work and coming back. It is very dangerous to see your dreams die before you). As I translated for him, he was delighted. Pressing my hands, he bowed with respect for the great poem. I could see on his face the universality of the poets’ fraternity. He took my address  for sending me his selected works and blessed me and my wife with a parting Namaskar and giving me a copy of paper that he was going to present  and a poem he was to recite there.

I owed him and “God’s own country” some precious and memorable moments.

P.S. The article is about Shri N V Subbaraman, Retired Dy. Zonal Manager, LIC, Chennai who retired in the year 2001.

Hari Krishan Chaudhary

Secretary, (Office of the Insurance Ombudsman}

Chandigarh, NZ.

I do hope that our esteemed viewers would have enjoyed this “ENCOUNTER” in this Sunday Story. We shall meet tomorrow morning as usual. Have a fabulous and fantastic February.




ENVIUS THOUGHTS crosses 1,29,000  views.

I am glad to share with you that with the 95th  view at 13.30 hours yesterday viz Saturday  the 3rd February  2018, total views of ENVIUS THOUGHTS  crossed ONE LAKH  AND TWENTY NINE THOUSAND (1,29,000) from more than 210 countries  around the world on the 1072nd day and 1120th post, thanks to your support and encouragement. Kindly continue. Thanks aplenty



In Coimbatore,while N V Subbaraman is addressing Shri C. Ramanathan Marketing Manager is observing seated SECOND from the left.


Eighty to Hundred you will be jumping in years twenty
Imbibed all qualities noble from thy parents in plenty
Garnering the support and cooperation of all in life
High echelons you could progress with hard and great work in file
Total dedication to your work infusing in others too
You were a role model EMEM for me in my career!

Towards friends and relatives you were nice and kind-madam ably
Outstandingly helping in all your life- daughters brought up lovely!

Honors came on your way on their own-not going for it yourself
Utmost devotion lased with honesty and humor making ourselves
Never letting us down but encouraging to give our best
Dear and loving all your colleagues Copimbatore to Chandigarh
Respected by all fortunate to serve with you the great ELAISEE
Ever ready to help, ever loving and never hurting any
Dear C R sir! EIGHTY TO HUNDRED bring you all the best on earth!


Reading the first letter of each line :”EIGHTY TO HUNDRED”

P,S: Shri C. Ramanathan former Executive Director of LIC is having his Sadhabishekam on 26th January 2018. The above is the humble tribute by one of his erstwhile colleagues named N V SUBBARAMAN


Yes having served the great Life Insurance Corporation of India for more than four decades in different positions and places, I have adopted LIC as my Alma Mater where I learnt the art and Science of Life and Living! Still continue learning!
Though out of the Organization for more than sixteen years, I deem it a great pride and privilege to keep track of the happenings in my Alma Mater. In that way any policy holder known or unknown approaches me for any of his requirements, I ensure that I contact the concerned office of the Corporation and get his problems sorted out-LIC is such a great sensitive, responsive and responsible organization that I am able to be of help to those who approach me. I happily recollect the response of LIC Housing Finance Limited Chennai and Bangalore I Divisional Office to help my unseen friends from India now in US and Canada!
I have posted in this Blog ENVIUS THOUGHTS several on my Alma Mater-poems and Sunday stories. In fact the first post of my Blog on 28th February 2015 was on LIC-captioned “MY TRYST WITH LIC”!

It was on first September I posted MY SWEETEST SONG –recollecting all my sweetest songs of Insurance Week Celebrations.

God’s ways are wonderful! On sixth September morning I had a pleasant call from my former Erode colleague three decades ago, who is at present in charge of Alandur Branch in Chennai as Chief Manager. After discussing my availability, he invited me to launch the newly introduced product called “LIC’s JEEVAN UTKARSH” in his office, on the sixth day event of the Insurance Week Celebrations 2017. It is a few years since I stepped into any LIC office and I was too happy to avail the opportunity and I had been to Alandhur Branch for the first time!. In a beautifully organized function well attended by the policyholders, field force and all employees, it was indeed quite heartwarming and I enjoyed every minute of my stay there.

Second from the right is the Blogger and the first is Mr. VN Murugesan, Chief Manager.

Here is a general description of the new product. For detailed discussion any one can approach the dynamic members of the marketing force anywhere in the country and very sensitive and responsive offices of the Corporation. .
LIC’s JEEVAN UTKARSH is a close ended scheme for 270days from 6th September 2017.
General features:
It is a non-linked, with profits, saving –cum- Protection plan.
This is a SINGLE PREMIUM plan
Limited period offer.
10 times life insurance cover of the invested amount.
Period of 5/10/15 years available.
Assignment/nomination facility available.
Income Tax benefit under section 80-c and 10 (10-D)of Income Tax Act allowed.
Maturity benefit: Basic Sum Assured and Loyalty Addition.
Risk cover Benefits:
First Five years: Sum Assured on death (9equal to 10 times of the tabular Single Premium.
After 5 years: Sum Assured on Death along with Loyalty addition.
Minor Life:
Accident Death and Disability benefits available.
Loan can be availed after three months upto 90 % of the Surrender value.
Surrender value is calculated as 70% of premium in the first year and 90% thereafter.
One can join the scheme on completion of six years and before the completion of 47 years.
It is a single premium policy and the minimum is fixed at Rs75000 and there is no maximum limit.

For greater clarifications or details, the Corporation may be contacted.

Any Insurance Company anywhere in the world periodically introduce new products and the LIC is cannot be an exemption! For reference a plan number is allotted and it is 846 for this plan!

My intention of this post is just to say some details of the new product and by no means it is exhaustive or comprehensive.

Thus this year in a way I participated in the Insurance Week Celebrations which will be yet another sweetest song that I will be relishing in the rest of my life!


N V Subbaraman addressing the gathering


The EDitor Siddharth informs:

Your submission has been posted in our latest issue, twitter and Facebook page. Check links below.





Editor, Indian Periodical

Kindly click the CONTENTS link 2 bove, select “GONE, CAN’T BE RETRIEVED” read and make your remarks just below the article where space is provided for the benefit of other readers. Thanks.
N V Subbaraman