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Get best health and term insurance advice from Ditto Insurance : https://ditto.sh/gq6ib1 For Job Opportunities / For Hiring : https://joinditto.freshteam.com/jobs/... Ft. Bhanu Harish Gurram–Co-founder Ditto Insurance. To continue the research, do check this sheet: https://docs.google.com/spreadsheets/... In this Telugu podcast episode, we bring you a financial literacy masterclass, decoding everything about money, insurance, sales, and smart financial decisions that most people get wrong. From how insurance is sold in India to the hidden psychology behind why people invest or avoid it, this episode breaks down the real picture. We discuss how mis-selling happens, why insurance frauds and hospital scams exist, and what ethical selling truly looks like. We decoded how Indians understand insurance and how it can be done right through mindset training, not forceful sales. You’ll learn about term insurance, health insurance, maternity coverage, and how to choose the right policy without falling for unnecessary add-ons. We also dive into claim rejections, nominee disputes, dependency planning, and the concept of “justice delayed is money denied” in insurance. From why young earners should start early, how to calculate the ideal coverage, and the truth about “rich people taking loans,” to how to protect your family with the right nominee and Will, this episode is packed with practical insights. We even explore behavioral finance topics like the Marshmallow Test, instant gratification, and the psychology of trust and money in Indian households. Whether you’re someone just starting your financial journey, a working professional, or a parent planning your family’s future, this podcast is your complete guide to understanding money, trust, and insurance in India. Tune in, this can help you change the way you think about financial planning, term insurance, and smart investing. This one’s a must-watch for anyone who wants to build long-term financial security. . Disclaimer: This video is for educational purposes only. The opinions expressed by the guests are their personal views and do not reflect our stance. We have no intention of defaming or harming any individual, brand, product, country, or profession mentioned in this video. Our aim is to provide information to help the audience make informed decisions. ~ 00:00:00 Start 00:03:52 Sales Misunderstood & Mis-Selling 00:13:16 Weirdest Calls, Insurance Frauds 00:14:23 Consumer Behavior & Patterns 00:17:33 Instant insurance coverage! 00:18:12 Generations & Money Mindset 00:19:18 Marshmello test 00:23:18 Indian hall vs Abroad Bedroom 00:24:45 Marriage Industry in India 00:26:26 Who to trust? 00:29:34 Finshots story, Nikhil Kamath, Investment 00:34:03 Nikhil Kamath: the Best Investor ! 00:37:26 Zerodha success story 00:40:08 What is ditto? 00:41:41 Strange culture 00:42:17 Claim rejections 00:44:21 Be clear about these!! 00:46:35 Before buying Insurance-Term & Health 01:00:03 This should your coverage 01:04:05 Beneficiary of Term insurance, Death 01:08:17 Will; anybody can create 01:12:24 Smoking, Fake death, Road accidents, Suicide cases 01:16:00 Wife, Husband & Insurance 01:19:18 Declare your health & habits clearly 01:20:52 Medical insurance 01:22:26 Weirdest case 01:24:30 Buy from an Expert 01:26:58 Don’t get fooled 01:27:51 Minimum coverage, firm change 01:33:03 We said No to 25 lakhs 01:35:08 Sales crash vs Ethics 01:37:35 Variable Rewards concept-scratch cards 01:39:17 Planning maternity insurance 01:41:26 Rich vs poor; Loans 01:42:50 Car Loan 01:44:00 Finance hacks; Advice ~ Our filming gear- Camera 1 - https://amzn.to/4gS3IGv Camera 2 - https://amzn.to/4gN6Kf1 Wireless collor mic -https://amzn.to/4k4dEPX Dynamic microphone - https://amzn.to/3QqWBdd Audio mixer - https://amzn.to/4hHByiD Lens 1 - https://amzn.to/4lrR9F6 Lens 2 - https://amzn.to/44mFxx3 Lens 3 - https://amzn.to/44nlz5o ~ About This Podcast - #telugupodcast #businesspodcast #rawtalks #vamshikurapati #rawtalkswithvk #podcastintelugu #vkpodcast #besttelugupodcast Raw Talks with VK is the 1st Telugu podcast channel dedicated to Building an Intellectual Telugu community. Our goal through these podcasts is to give a deeper understanding and exposure to various topics that can be beneficial to everyone. Through Raw Talks, I intend to bring conversations on business, marketing, finance, psychology, and more. I aim to empower Telugu audiences with the same level of information as global communities. . Join Our Community Instagram: / thevamshikurapati Website: https://rawtalks.in/ Email: [email protected] Spotify: https://spotify.openinapp.co/tm53c Whatsapp Channel - https://wa.openinapp.link/i6dfx