Friends, We all want to have wealthier life, Happy present times and secured future. So we buy Properties, Invest in Equity, Accumulate Gold and so on. With Changing Times, Traditional means of Investments like Saving Accounts, Public Provident Fund and Fixed Deposits are diminishing the significance they used to hold 10 Tears back. With changing dynamics of Economy, it has become vital to protect your hard earned Money from Inflation and Recession. A common man often does not realise that he needs to shield his earning capacity as well. What if Unemployment, Disease or accident, say hello to you some day and your income stops.