MAM
Mindshare appoints John Thangaraj as head – strategy (North)
MUMBAI: Mindshare has appointed John Thangaraj as the head of strategy for the Northern region. In his new role, John will be responsible for the Mindshare strategy product across Delhi clients.
Commenting on what he hopes to achieve at Mindshare John said, “First and foremost, I hope to future proof myself. I have a strong belief in the fact that ‘advertising‘ as is currently practiced in India does not have a shelf life of more than a decade (at the very most).”
Announcing the appointment, leader – strategy (South Asia) Alok Sinha said, “We are glad to welcome John to Mindshare and the extended GroupM family. He’s got category and industry experience, and is a great team leader. I am confident he will be able to lead the strategy division to even greater heights.”
 |
|---|
|
John will be responsible for the Mindshare strategy product across Delhi clients
|
Mindshare leader South Asia Ravi Rao said, “I am pleased to welcome John. He has the combination between being imaginative, strategic and entrepreneurial that our strategy community and clients need. Consumption of information and entertainment is rapidly moving screens and I feel that Mindshare is on the cutting edge of optimizing and leveraging this. ‘Digital‘ has become a buzz word we all love to throw around, and I am looking to Mindshare to help me make the journey from ‘thinking about digital‘ to ‘thinking digitally‘. Perhaps most of all, Mindshare represents a new journey for me- new skills to acquire, new people to meet and new challenges to deal with. Which is what excites me the most about it.”
John has over 12 years of work experience spanning a marketing role at Adidas, a research role at Quantum and as head of strategic planning for Redifffusion Y&R. In his last role John was vice president – strategic planning at Lowe, where he was responsible for the product planning on a cluster of brands that included Wills Lifestyle, Nestle Confectionary, Hindustan Times, Dabur Real, Shine.com, Woodland, Expedia.co.in and OLX.in.
John is extremely proud of the Effie’s and Cannes that he has worked hard to win over the years. These include – Effie 2010 for Hindustan Times‘ ‘It Is Time‘ brand campaign, Effie 2012 for Hindustan Times‘ ‘You Read, They Learn‘ campaign, and Media Lion at Cannes 2013for Best Use of Print for Hindustan Times‘ ‘You Read, They Learn‘.
He is also very proud of the work that he did when he led a global strategic project for LG Korea in 2009 on understanding the super affluent consumers in India.
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.
