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Most people begin their insurance journey with quotes, discounts, comparisons, and compliance checklists. And that’s exactly where confusion begins. In the first four episodes of InsureTalk, we explored insurance products, structures, and management. But Episode 5 pivots to something far more fundamental, risk itself. Because real protection doesn’t start with a policy. It starts with understanding exposure. In Episode 5, The Risk Lens, Sanjeet Sir and Sanjay Sir break down: Why starting with premiums instead of risk leads to poor decisions The difference between frequency and severity of risks Why ignored risks often become the most expensive lessons How structured thinking brings clarity to protection planning The role of trust and long-term advisory in India’s insurance ecosystem This episode reframes how individuals, business owners, HR leaders, and finance teams should approach insurance, not as a product purchase, but as a protection strategy. If you’re a: Young professional building financial foundations Business owner evaluating keyman or employee protection CFO, HR leader, or decision-maker handling organisational risk Anyone tired of policy comparisons without clarity This conversation will change how you look at insurance. Because insurance isn’t where protection begins. Risk understanding is. Get a global risk review with Beacon before you move. 📩 Email: enquiry@beacon.co.in 🎧 Missed the previous InsureTalk episodes? Catch them here: / @beaconinsurancebrokers 🔗 Follow us on LinkedIn for regular insurance insights and updates: / beacon-insurance-brokers-pvt.-ltd 🌐 To know more about Beacon: https://beacon.co.in/ If this episode added value, don’t forget to Like, Share, and Subscribe, because the right knowledge at the right time can truly change lives. . . . #InsureTalk #RiskManagement #InsuranceStrategy #RiskAssessment #CorporateInsurance #LifeInsurancePlanning #BusinessProtection #InsuranceAdvisory #FinancialPlanning #BeaconInsights [Risk management explained, How to choose the right insurance, Insurance strategy for businesses, Life insurance planning India, Term insurance vs endowment, Human Life Value calculation, Business risk protection, Keyman insurance India, Insurance advisory insights, Insurance podcast India]