2. One of your clients wants to apply for a Home Loan in the next 12 to 18 months. Few months back the client had lost his job during the COVID-19 pandemic and delayed his credit card payments. The client is worried that this may impact his credit score maintained by Credit Bureaus. Suggest a roadmap to your client to improve his credit (10 Marks) score. 3. You are a Financial Planner. Your client Ankur Desai (age 36 years) works with an FMCG company earning Rs. 15 lakhs per annum. His wife Preeti (age 32 years) is a homemaker. They have one daughter Asha (age 3 years). The couple requires your help to make few financial decisions. (You can make any assumptions to further build up your case.) a. Ankur wants to buy a Pure Risk life insurance cover of Rs 1.5 crore. He is confused whether he should buy a ULIP, Endowment or a Term Plan. Recommend the product best suited for his requirement. (5 Marks) b. Ankur has expressed his desire to retire by the age of 60. Design a retirement plan for him