Storyboard/ Theme: with the advent of non participating insurance based products,
                   i.e. products that offer or leverage on insurance ...for returns.

                   deriving from ULIP ....exchange traded funds , options trading,
                   banking products       

Opporutnity: Innovative tradable units of products ...that can leverage on insurance, masses
             ...life-insurance ...various other forms on insurance ...underwriting...key being returns ...speculation
             on performance.
                     
       

Note: The above problem statement having been encountered in various scenarios
      and detailed in various 'Proof of concepts' as mentioned in 
      
       http://uk.geocities.com/ravivenkatus/projects.pdf
       http://ravishankarkv.tripod.com/projects.pdf
        ....apply appropriate
      'use-case' modeling, rationalize and arrive at a workable and feasible 
       solution both commercially and techinically viable.
                     