MAM
‘Name and shame delinquent channels’
MUMBAI: Media buying and planning (advertising) agencies and brands reacted strongly or cautiously when it came to commenting on famous yet delinquent television channels suspected of wrongdoing by India’s only TV ratings points (TRP) body. Broadcast Audience Research Council (BARC), the only television audience measurement body in India, temporarily suspended the review of viewership of three news channels. BARC had communicated to all the broadcasters that ratings for India News, TV9 Telegu and V6 News were suspended for four weeks owing to suspected mala fide practices.
This decision may have had a bearing on advertising on the channels in question. Some industry experts were direct and forthcoming in their reactions, others were cautious, while some chose not to comment on the issue.
Requesting anonymity, a senior media planner told Indiantelevision.com that the decision could have a mixed impact on the advertising revenue of the channels. There would be companies who believe in a particular channel since a long time. They may not get swayed by this temporary phenomenon. Companies who might want to launch a national campaign may take a channel’s current ratings into account before making their decision. Then, there are regional advertisers who want to see the effect of advertising on the ground — they may not take the BARC review into account at all. There would be some advertisers who would want to wait and watch for a while — 2-3 weeks before taking any decision.
Dentsu Aegis chairman Ashish Bhasin lauded the BARC decision not to review certain errant channels for a period of time. “It is a bold step taken by BARC to name and shame the mischievous entities.” It sends out a warning message to the channels to behave, and will act as a deterrent for other possible mischief-mongers that could spoil the purity of the currency for a Rs 20000 crore annual TV advertising business in India, Bhasin said.
About the impact on advertising, Bhasin said that the reputation of the errant channels would be affected owing to the suspension of review. “Although I am unaware of which channels were involved in what kind of wrongdoing, the channels would be disadvantaged due to the BARC action. In the medium to long term, the action would prove to be detrimental to the channels vis-a-vis advertising because the client decides to put his money on the basis of clear feedback and seeks value for every pie invested,” Bhasin added.
Some experts were rather vocal about change in their approach. “I will certainly not recommend these channels for my clients,” an Initiative Media (formerly Lintas Media) business director told Indiantelevision.com.
The business director said she would rather advise other substitute (surrogate) channels so that her clients do not suffer. She agreed that the BARC India decision may not directly impact regional and local brands, but, she said, media planners who would draw up annual national strategies for their respective clients would certainly keep the BARC India’s suspension decision in mind.
However, some client-companies were rather cautious. HDFC Life senior executive vice-president, marketing, analytics, digital & e-commerce Sanjay Tripathy said: “The channels concerned are denying any wrong-doing at this point. However, if the channels are found guilty of any wrongdoing as suggested in media reports, it is only fair then that they face the consequences. Prima facie, we believe before taking such a stance, due process would have been followed by the authorities by BARC (India) and should wait to this matter to be clarified before taking any hasty decisions.”
For the sake of an independent and unbiased article, IPG Mediabrands CEO Shashi Sinha chose not to comment since he chaired the technical committee of BARC India.
“Advertisers who do not utilise the services of media buying agencies may continue to advertise on the errant channels,” said Madison World chairman Sam Balsara. “But, advertisers who take the help of agencies that use scientific methods of calculating GRPs (gross rating point) would over a period of time keep away from such channels,” he added. To a question whether advertisers would mind the temporary suspension, Sam said, “They would and they should.”
Also Read :
BARC India suspends three errant channels’ review
If you are actively investing to grow your money month after month, you already understand the value of planning ahead. SIPs, long-term portfolios, retirement planning and goal-based investing all point to one thing. You are building a future with intent.
What often gets missed in this process is one foundational question. How well is the income that funds all these plans protected?
Term life insurance fits naturally into this stage of financial planning. It does not compete with investments. It supports them by protecting the income that makes long-term growth possible.
Why Income Protection Is a Core Part of Financial Planning
Every financial plan begins with income. Before money is invested or saved, it is earned.
Over time, this income is allocated across multiple needs:
● monthly household expenses
● EMIs and long-term loans
● savings and emergency funds
● investments aimed at future goals
As responsibilities increase, financial planning becomes layered. Each layer assumes income continuity. Term life insurance exists to ensure that this structure does not become fragile due to overdependence on a single income source.
It adds stability to plans already in motion rather than introducing a new objective.
What does term life insurance do?
Term life insurance provides a fixed payout to your nominee if you pass away during the policy term. The purpose of this payout is practical and clearly defined.
It is intended to:
● replace lost income for a defined period
● help manage outstanding liabilities
● support ongoing household and goal-based expenses
There is no investment or savings component. This keeps the product focused and cost-efficient, allowing individuals to opt for meaningful coverage without diverting funds meant for growth-oriented investments.
Why Term Life Insurance Complements Investing?
Investments and insurance play different roles in a financial plan.
Investments are designed to:
● grow wealth over time
● compound with consistency
● be adjusted as goals and risk appetite change
Term life insurance is designed to:
● provide financial continuity
● protect existing plans from disruption
● remain stable once put in place
Keeping these roles separate improves clarity. Investments are allowed to perform without being forced to double up as protection, while insurance quietly supports the overall structure.
Who Should Consider Term Life Insurance?
Term life insurance becomes relevant when financial planning extends beyond individual needs. This typically includes:
a) Working professionals
When income supports shared expenses or long-term plans, protection becomes essential.
b) Individuals with long-term liabilities
Home loans, education loans and other EMIs often extend over decades. Term insurance ensures these obligations remain manageable.
c) Parents planning future milestones
Education, healthcare and lifestyle goals require continuity over many years.
d) Early planners with rising incomes
Starting earlier allows coverage to align smoothly with career progression and evolving responsibilities.
How Much Coverage Should Be Considered?
Coverage should be guided by financial reality rather than affordability alone.
A well-rounded evaluation typically considers:
● number of years income needs to be replaced
● existing and future liabilities
● long-term goals already planned
● inflation and rising living costs
Many insurance companies offer options starting from 50 lakhs, 1 crore term insurance and higher. It allows individuals to choose coverage based on their income, liabilities and future plans.
How Term Life Insurance Fits Into a Long-Term Plan
Once set up, term life insurance does not demand frequent attention.
It does not require active monitoring, market tracking or performance reviews. Its role is structural rather than dynamic.
By ensuring financial continuity, it allows families to:
● stay aligned with long-term plans
● avoid rushed financial decisions
● focus on execution rather than damage control
When aligned correctly, term insurance strengthens the foundation on which investments, savings and retirement plans are built.
Choose the Right Insurance Partner
Once the need, coverage amount and role of term life insurance are clear, the final and most important step is choosing the right partner.
This decision should be based on:
● clarity and transparency in policy terms
● a strong claim settlement track record
● consistency in servicing and communication
● the ability to support long-term financial planning rather than just selling a product
Term life insurance is a long-term commitment. The partner you choose today will be the one your family relies on years down the line.
When protection is aligned with purpose and backed by a dependable insurer, term life insurance becomes a quiet but powerful part of a well-built financial plan.
