He advises people ‘be insured’, so that they won’t have to run for money in case of emergency or if the treatment becomes expensive. But he himself found helpless when he learnt that his 8 yr old daughter can never be able to hear and speak unless she undergoes a surgery, affording which is beyond his reach. This is the story of an LIC Agent with modest income from Srikakulam District, father of Baby Roshini (8) who is diagnosed with profound sensorineural hearing loss. He fell short of Rs. 50,000/- out of Rs.8 lakhs.