MAM
JWT strengthens digital and creative team
MUMBAI: Prasanna Kulkarni and Nitin Pradhan have joined JWT as executive creative directors. This is a part of the agency‘s plan to invest in talent and build up its digital and creative capabilities.
Kulkarni has over 14 years of experience in advertising, brand strategy, and digital media. He comes in from OgilvyOne Worldwide where he led a creative team at for over five years. He has worked for clients like Orange, IBM, Diageo, Cadbury, Lenovo, HSBC, Hindustan Unilever Ltd and British Airways.
At JWT, Kulkarni will partner with Sushobhan Chowdhury (head of digital strategy) and Rahul Kaul (technology/UX head) to lead and mentor digital-specific core teams in New Delhi and Mumbai.
JWT India digital head Max Hegerman said, “We are very excited about the addition of someone of Prasanna‘s calibre. As a digital native, he brings in an abundance of hands-on digital experience – and a passion for the space. Prasanna will have an immediate impact on our digital creative capabilities. I am excited to have Prasanna as a part of the core leadership team at JWT Digital.”
Pradhan moves in from McCann Erickson. His experience in the field spans over 12 years during which he has worked with some of the leading brands across agencies like KBC, Tata Sky, Nescafe and Close-up.
Pradhan will work closely with JWT chief creative officer Bobby Pawa on special projects, besides handling some of the key brands at JWT Delhi.
JWT Delhi managing partner Sanjeev Bhargava said, “I am delighted to have Nitin Pradhan joining the JWT family. Over the long discussions I have had with Nitin, I have found him to belong to the brand of creative people who do not sacrifice diligence, perseverance and detailing on the altar of creative vehemence. The correct mix of all these wonderful traits is what Nitin brings to the table and I am looking forward to working closely with him.”
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.
