Niraj has been with Time Vision Financial Services Ltd for the last 15 years and is vastly experienced in the field of risk insurance. In recent times, he has also qualified for a number of International Academy Awards which have taken him on overseas study tours to Australia, San Francisco and Hong Kong. He has also received several Sovereign Apex Awards and qualified as a Member of MDRT (Million Dollar Round Table) several times.Niraj became an Authorized Financial Adviser (AFA) after attaining the Level 5 National Certificate in Financial Services (specializing in Risk Insurance & Mortgage advice) in 2011, and is fully compliant in the 6 step advice process. He is also a member of the Institute of Financial Advisers (IFA) and Professional Advisers Association (PAA).