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U Jawaharlal (b 1954), is an Associate of Insurance Institute of India, Mumbai. He holds a B.Sc. degree from Osmania University and is a CAIIB from Indian Institute of Bankers, Mumbai. He also holds an MBA in Finance and a Diploma in Industrial Relations and Personnel Management. He has an experience of over seven years in LIC of India and over 20 years in Indian Bank. During his tenure in Indian Bank, he had exposure in vital areas like international finance, credit management, MIS, branch management etc. Presently, he is a faculty member in the ICFAI University, and also teaches at ICFAI Business School. He is also the Consulting Editor of Insurance Chronicle, a monthly magazine from ICFAI University Press. He has written several articles in the domain of insurance and some of his articles have been published in reputed international magzines. He has participated in several national and international seminars/conferences and has delivered lectures in various forums.