I KNOW S.V SHAM LAST 12 YEARS
He is a very good & honest gentlement .he is trustworthy person deealing with him for lic details he was stranger to me when i met him first time in an lic office .chennai worthy and i can testifly this i treat him as my brother and a nice person

i am not boasting abount him.that is the fact he is good at what he does and i have actually benefited from the serive he has provide .

i have taken many policies like retirement plan etc-he will always suggest policies that is beneficial to the inurance agents will recommend policies wich will get theam high commission :but sham is not among those people 

if he has recmmended any policy to you ,i suggest you to go ahead as insurance is the need of this hour my career is in savings and i would also Recommend that my finacial support is very important decision in my life for any indidual which many people do not Realize it 

wish you good luck & best wihes

thanks regards 

NAVIN KUMAR GUPTA

stanandard chartered bank -doha qatar

 Im working US  SOFTWARE ENGINEER if you thinking of insurance or financial servie i would higly recommend my insurance advice mr. Sham for his great financial service he is well trined professional in this future planning financial service mr. Sham thanks for your great support keep up the great my enter financial service thank you

DEAR MR.SHAM