The insurance companies have to ensure quality products at a competitive price. Companies can
lower the price of the product by reducing the cost. Their survival depends upon their policy-holders. The
policy-holders become confident of not losing much when an accident or uncertainty takes place. On the
report of the insured about an accident the company officials send surveyors to assess the loss caused to
the policy-holders. However, as several of the insurance providers are international companies having
made their presence felt in several countries, the service provided by them is a reflection of the experience
gained by them across the globe, and in that sense, the findings may be generalised to a great extent.
The Policyholders' Preference And Satisfaction Towards Life Insurance Corpora...inventionjournals
: Gradually, the market share of private insurers went up and till financial year 2012-2013 reached
as high as 42%. The market share of LIC decreased after the entry of private insurers but it doesn’t mean that
the growth of LIC got down. LIC continues its growth even after a cut throat competition from the private
players. On the demand side, growth is being fuelled by the growing population base, rising purchasing power,
increased insurance awareness, increased domestic savings and rising financial literacy. The suppliers are
correspondingly playing a market making role as competition intensifies and differentiation become necessary
for profitable growth. Life Insurance Corporation of India offer innovative products to attract further business
from both existing and new policyholders. In this regard the researcher is interested to undertake a study on the
policyholders’ preference and satisfaction with regard to Life Insurance Corporation of India’s policies.
A STUDY ON POLICY - HOLDERS SATISFACTION OF LIFE INSURANCE CORPORATION OF IND...IAEME Publication
Life insurance has become one of the necessities of human life. It offers financial security to the policyholder and/or his/her dependents in the event of his premature death or untoward disablement arising out of accidents. As death of the bread earner creates severe financial problem for the dependents and as the permanent physical or mental disablement also create even more severe financial problems for them adequate financial provision in the form of different life policies is essential. One life policy may not be suitable for all individuals therefore out of different life insurance policies an individual takes out a suitable combination of policies depending up on his financial and family needs.
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
The Policyholders' Preference And Satisfaction Towards Life Insurance Corpora...inventionjournals
: Gradually, the market share of private insurers went up and till financial year 2012-2013 reached
as high as 42%. The market share of LIC decreased after the entry of private insurers but it doesn’t mean that
the growth of LIC got down. LIC continues its growth even after a cut throat competition from the private
players. On the demand side, growth is being fuelled by the growing population base, rising purchasing power,
increased insurance awareness, increased domestic savings and rising financial literacy. The suppliers are
correspondingly playing a market making role as competition intensifies and differentiation become necessary
for profitable growth. Life Insurance Corporation of India offer innovative products to attract further business
from both existing and new policyholders. In this regard the researcher is interested to undertake a study on the
policyholders’ preference and satisfaction with regard to Life Insurance Corporation of India’s policies.
A STUDY ON POLICY - HOLDERS SATISFACTION OF LIFE INSURANCE CORPORATION OF IND...IAEME Publication
Life insurance has become one of the necessities of human life. It offers financial security to the policyholder and/or his/her dependents in the event of his premature death or untoward disablement arising out of accidents. As death of the bread earner creates severe financial problem for the dependents and as the permanent physical or mental disablement also create even more severe financial problems for them adequate financial provision in the form of different life policies is essential. One life policy may not be suitable for all individuals therefore out of different life insurance policies an individual takes out a suitable combination of policies depending up on his financial and family needs.
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
briefly decsription on insurance sector and customers perception towards insurance and exide life insurance in odisha...
it will help in marketing as well as finance student those who comes from BBA,MBA, and also management studies...
Policyholders Satisfaction of Life Insurance Products with Reference to Coimb...inventionjournals
The insurance sector opened up and new players entered the space before 15 years. At present the industry has 24 life insurance companies, 28 general insurance companies and 1 reinsurance company. Satisfaction is an important milestone in insurance products, especially at a time when the industry's reputation has been spoiled by mis-selling and improper disclosures of returns by agents. In that LIC holds majority market share in life insurance industry. The objective of the study is to understand the policyholder’s satisfaction and the various factors contributing to the satisfaction level. The primary data was collected by using the structured questionnaire and secondary data was collected by using journals, newspapers and the internet. The study area was limited to Coimbatore District. The reason to conduct the study in Coimbatore district is previously no researcher had done the satisfaction study in life insurance and IRDAI regulatory body had insisted all the insurance companied to disclose the lapsation of the policies. The population is not clear and it is infinite. Hence the sample size selected is 300 for the study.
The present book is a great step in forward direction of Indian Insurance sector ; and I have no doubt that after studying this book in detail and getting through the examination successfully, the insurance agent will gain substantially in accomplishing the tasks that are assigned to him or her. I would keenly look forward to its huge success in the Indian insurance domain in the days to come.
Micro Insurance Portfolio of public and private sector insurance companiesRaja Ram
Insurance is one of the emerging and growing sectors in India. The micro-insurance portfolio has made steady progress. More life insurers have commenced their micro-insurance operations and many new products are being introduced every year. Micro-insurance business was procured largely under the group portfolio. Life Insurance Corporation of India contributed the most both in terms of policies sold and number of micro-insurance agents. Insurance companies are now offering already approved products as micro-insurance products with the approval of the authority, if the sum assured for the product is within the range prescribed for micro-insurance. With this aspect the present paper made an attempt to discuss about micro insurance portfolio of individual as well as group by public and private sectors insurance companies.
Project on CREDIT INSURANCE by Akshat MahendraAKSHAT MAHENDRA
Project Report on CREDIT INSURANCE
Project on CREDIT
BBI SEM 6 Project
Project Report on CREDIT
Semester VI BBI Blackbook Project 100 Marks
Project Report on INSURANCE
Semester 6 BBI Blackbook Project 100 Marks
Project on INSURANCE
Project on Finance
Project on Finance BBI
B.Com (BANKING and INSURANCE)
Project for BBI
Project on Finance BANKING INSURANCE
BANKING & INSURANCE
Semester 6 B.Com BANKING and INSURANCE Blackbook Project 100 Marks
BANKING and INSURANCE
Semester 6 BANKING and INSURANCE Blackbook Project 100 Marks
B.Com BANKING and INSURANCE
Alfred Binet fue el creador de los primeros estudios y pruebas de inteligencia. posteriormente Howard Gardner ha trabajado desde hace mucho sobre la Inteligencia considerando que cada una se activa con determinado tipo de información, así como también maneja determinados símbolos y códigos.
Nowadays, in this liberalized world, in order to sustain good performance, the insurance companies have to ensure products at a competitive price. Companies can lower the price of the product by reducing the cost. Their survival depends upon their policyholders’ performance with regard to policy selection and satisfaction level. So, there is a need to evaluate how these companies are performing in the study area. Though much has been studied about the functioning of these public sector and private general insurance companies, a detailed analysis on the comparative study of the opinion on the performance of public sector and private sector insurance has not been made so far.
This study will help analyze the Recitation of the two types of insurance companies
and to take remedial measures in the sphere of their insurance products. Today, in this
liberalized world, in order to sustain good Recitation, the insurance companies have to ensure
quality products at a competitive price. Companies can lower the price of the product by
reducing the cost. Their survival depends upon their policyholder policyholder’s recitation of
public and private sector general insurance industry in Structural Equation Model (SEM)
approach in the chosen study area. The study has to evaluate the policyholder’s perception
towards non-life insurance industry.
The study has yielded a metrics to evaluate the policyholder’s opinion
towards reason of taking non-life insurance policy. The metrics is validated and tested
in an environment where several national and international non-life insurance
companies are vying to capture the small scale industries non-life insurance market, to
the non-life insurance company and the policyholders. Though much has been studied
about the functioning of these non-life insurance companies, a detailed analysis on the
comparative study of the opinion on the performance of public sector and private
sector insurance has not been made so far.
briefly decsription on insurance sector and customers perception towards insurance and exide life insurance in odisha...
it will help in marketing as well as finance student those who comes from BBA,MBA, and also management studies...
Policyholders Satisfaction of Life Insurance Products with Reference to Coimb...inventionjournals
The insurance sector opened up and new players entered the space before 15 years. At present the industry has 24 life insurance companies, 28 general insurance companies and 1 reinsurance company. Satisfaction is an important milestone in insurance products, especially at a time when the industry's reputation has been spoiled by mis-selling and improper disclosures of returns by agents. In that LIC holds majority market share in life insurance industry. The objective of the study is to understand the policyholder’s satisfaction and the various factors contributing to the satisfaction level. The primary data was collected by using the structured questionnaire and secondary data was collected by using journals, newspapers and the internet. The study area was limited to Coimbatore District. The reason to conduct the study in Coimbatore district is previously no researcher had done the satisfaction study in life insurance and IRDAI regulatory body had insisted all the insurance companied to disclose the lapsation of the policies. The population is not clear and it is infinite. Hence the sample size selected is 300 for the study.
The present book is a great step in forward direction of Indian Insurance sector ; and I have no doubt that after studying this book in detail and getting through the examination successfully, the insurance agent will gain substantially in accomplishing the tasks that are assigned to him or her. I would keenly look forward to its huge success in the Indian insurance domain in the days to come.
Micro Insurance Portfolio of public and private sector insurance companiesRaja Ram
Insurance is one of the emerging and growing sectors in India. The micro-insurance portfolio has made steady progress. More life insurers have commenced their micro-insurance operations and many new products are being introduced every year. Micro-insurance business was procured largely under the group portfolio. Life Insurance Corporation of India contributed the most both in terms of policies sold and number of micro-insurance agents. Insurance companies are now offering already approved products as micro-insurance products with the approval of the authority, if the sum assured for the product is within the range prescribed for micro-insurance. With this aspect the present paper made an attempt to discuss about micro insurance portfolio of individual as well as group by public and private sectors insurance companies.
Project on CREDIT INSURANCE by Akshat MahendraAKSHAT MAHENDRA
Project Report on CREDIT INSURANCE
Project on CREDIT
BBI SEM 6 Project
Project Report on CREDIT
Semester VI BBI Blackbook Project 100 Marks
Project Report on INSURANCE
Semester 6 BBI Blackbook Project 100 Marks
Project on INSURANCE
Project on Finance
Project on Finance BBI
B.Com (BANKING and INSURANCE)
Project for BBI
Project on Finance BANKING INSURANCE
BANKING & INSURANCE
Semester 6 B.Com BANKING and INSURANCE Blackbook Project 100 Marks
BANKING and INSURANCE
Semester 6 BANKING and INSURANCE Blackbook Project 100 Marks
B.Com BANKING and INSURANCE
Alfred Binet fue el creador de los primeros estudios y pruebas de inteligencia. posteriormente Howard Gardner ha trabajado desde hace mucho sobre la Inteligencia considerando que cada una se activa con determinado tipo de información, así como también maneja determinados símbolos y códigos.
Nowadays, in this liberalized world, in order to sustain good performance, the insurance companies have to ensure products at a competitive price. Companies can lower the price of the product by reducing the cost. Their survival depends upon their policyholders’ performance with regard to policy selection and satisfaction level. So, there is a need to evaluate how these companies are performing in the study area. Though much has been studied about the functioning of these public sector and private general insurance companies, a detailed analysis on the comparative study of the opinion on the performance of public sector and private sector insurance has not been made so far.
This study will help analyze the Recitation of the two types of insurance companies
and to take remedial measures in the sphere of their insurance products. Today, in this
liberalized world, in order to sustain good Recitation, the insurance companies have to ensure
quality products at a competitive price. Companies can lower the price of the product by
reducing the cost. Their survival depends upon their policyholder policyholder’s recitation of
public and private sector general insurance industry in Structural Equation Model (SEM)
approach in the chosen study area. The study has to evaluate the policyholder’s perception
towards non-life insurance industry.
The study has yielded a metrics to evaluate the policyholder’s opinion
towards reason of taking non-life insurance policy. The metrics is validated and tested
in an environment where several national and international non-life insurance
companies are vying to capture the small scale industries non-life insurance market, to
the non-life insurance company and the policyholders. Though much has been studied
about the functioning of these non-life insurance companies, a detailed analysis on the
comparative study of the opinion on the performance of public sector and private
sector insurance has not been made so far.
The primary function of financial institution’s to lend funds as loans to various sectors such as agriculture, industry, personal loans, housing loans etc., in recent times the institutions have become very cautious in extending loans. The reason being mounting non-performing assets (NPAs). An NPA is defined as a loan asset, which has ceased to generate any income for a bank whether in the form of interest or principal repayment. In order to study the menace of NPA, Kerala Financial Corporation (KFC) the premier institution which provides long term finance for industrial enterprises and assistance to the sick units for the rehabilitation purpose has been selected. NPA is a serious problem faced by KFC. Non- performance in a loan asset is the bane of the financial institutions in India. It is the universal problem and can cripple the economy of any nation. Mounting non-performing assets in a banking sector was the main reason for the financial crisis in the South East Asian countries. The Net NPA of KFC as per the records shows a declining trend. There is a tendency among the beneficiaries of the corporation to delay repayment of the loans and some percentage of these payments also turns into bad debts. The NPA and loans and advances are negatively correlated. It shows that while the amount of loan increases over the years, NPA shows a declining trend. The total amount of loan increased year by year, because corporation introduces variety of new loan schemes.
The difficulty in getting the right type of finance at the right time and in the right quantity continues to haunt the small entrepreneurs and still ranks first among the major problems faced by the small sector. This being the situation, it has become relevant to conduct a study aimed at evaluating. the role and performance of the SFCs. A detailed study on the role of the KFC in the industrialisation of Kerala is highly worthwhile especially in the period of global recession. . Various provisions of the SFCs Act enjoin on the KFC to undertake the stupendous task of industrial development in the State concerned by providing long-term credit to the MSME segment. The study based on secondary data. Secondary data were collected from various official records and reports. The KFC still functions as a Government undertaking. The majority of its shares in value are held by the Government of Kerala (97.06 per cent). Its capital structure consists of both own capital and borrowed capital. It gives more weightage to debt capital. Capital to Risk - weighted Assets Ratio (CRAR) was at 21.57 % during the year 2013-14, as against the minimum of 9% prescribed. , Corporation could make significant improvement in its performance in all major operational areas, viz, Sanction, (AAG 44.51)Disbursement(AAG38.16) and Recovery(AAG12.22). Schemes of financial assistance of the Corporation cover a series of activities ranging from manufacture to marketing of goods and services. Regarding the trend of loan operations, the role of the KFC in the process of industrialisation is found to be increasing year by year as the total amount disbursed
Study of Investors’ Preference for the Selection of an Insurance ProductDr. Amarjeet Singh
Human Being’s life is the most significant asset and life-insurance is the most significant sort of insurance which gives financial protection to theindividualhimself/herself and to his family at the hour of dubious dangers or harm. Life insurance gives both safety and protection to people and furthermore encourages investment funds among individuals. The present exploratory based investigation was chosen with a target to analyze those factors which impact client’s strategy purchasing choice and furthermore examine the inclinations of clients while making decision about insurance policy investment. Different insurance-related factors have been examined in the paper. Also, the said study has been conducted to know the satisfaction level of the clients and also to know the benefit they have been receiving from the company (if any). The information for the research has been gathered from primary data. The study zone is restricted to Maharashtra state and the test sample is 30 investors. The hypotheses have been based on the basis of demographic and the factors related to the insurance-based preference.factors and tested the same with the help of statistical tool T-test. The analyzed data had been produced in the form of a tables and graphs/charts. Insurance agencies should spread more awareness about life insurance, a decrease in the premium amount, and giving more attention to need-based innovative products are a portion of the recommendations which I would suggest. The paper closes with the segment that factors of the individuals play a significant and essential role in choosing the purchase of insurance policies.
This study will help analyze the Recitation of the two types of insurance companies
and to take remedial measures in the sphere of their insurance products. Today, in this
liberalized world, in order to sustain good Recitation, the insurance companies have to ensure
quality products at a competitive price. Companies can lower the price of the product by
reducing the cost. Their survival depends upon their policyholder policyholder’s recitation of
public and private sector general insurance industry in Structural Equation Model (SEM)
approach in the chosen study area. The study has to evaluate the policyholder’s perception
towards non-life insurance industry.
Impact on Employee Outreach and People Processes | EY IndiaEYIndia1
GoDigit has taken a number of
initiatives to make sure that pace of
work in the organization continues
smoothly. They address knowledge
gaps of employees through product
trainings which employees can access
from home.
Visit-file:///C:/Users/SCH/Downloads/work-from-home-in-the-insurance-industry-adapting-to-the-new-normal.pdf
https://www.ey.com/en_in
A Study on Factors Influencing Customers to Prefer the Policies of Life Insur...Dr. Amarjeet Singh
The policyholders once when they become a part of
the LIC feel free about the safety of their wards since it takes
care of fixed financial benefits based on the premium and the
type of the policy the opted for . The families of the nonpolicyholders meet out uncertainty in many cases. So, there is
an attraction towards life insurance and concern and
awareness about the industry is also improving. People who
care much about them and their families hold life insurance.
The tastes and preferences of policyholders not the same. The
LIC of India has been introducing variety of policies based on
the preferences of the policyholders. It is observed that many
policyholders have taken more than one policy based on their
job nature and family members interest. It is a clear
indication that they are very much interested in utilizing
maximum benefits from Insurance companies. Some people
give due importance to money value and high returns on their
investments. But greater risks are inherent advantages
expected from LIC products. The present study emphasis the
factors influencing customers to prefer the policies of life
insurance of India in Palakkad District.
The social status of the women is the reliable indicator of the economic development of a society. Tagore has rightly said “Women is the builder of the nation’s ‘destiny’, they seek integration into the national main streams of equal partners in program and development”. Even after five and a half decades of planned development, Indian women, except a privileged minority, have not achieved expected success in the main stream of life.
Apple is one of the most popular fruits grown throughout the country all the year round." An apple a day keeps the doctor away" is a well known saying Apples vary from a fairly good to a very good source of vitamin C , as there are significant differences between the verities.
The industrialization and information age has made the telecommunication industry expanded into diversified
functionality to support the growth of technological advancement for better services demanded by any
particular nation. In India, telecommunication industry is now considered to be prominent due to its contribution as a tool of
technological support for the national development in line with the national aspirations. These progresses are not a dream
that encapsulates with unreal events and nightmares, but they are the vision that will bring the nation to stand on his or her
feet as tall as the other nations around the world. There is no doubt that telecommunication sector will be expanded farther
and further after the government of Indian has agreed to focus more attention on the Industry. In conclusion, Indian has not
make a mistake when they invest more money in the telecommunication industry that will definitely uplift the nation into a
new culture of civilization in the world and such measures are contributing to another culture of excellent.
The International Financial Reporting Standards (IFRS) aims to make International Financial
Reporting Comparisons as easy as possible because each country has its set of accounting rules,
over the years the use of IFRS has emerged as widely used and accepted standards in the world
with more than 12000 companies and over 100 Countries accepting and mandating its
implementation. At presents India aim to be joining IFRS club from the financial year 2011 to
include, all listed companies, all banking companies, all financial institutions, all scheduled
commercial banks, all insurance companies and all NBFC.
The Indane gas company reforms have deregulated the market to a great
extent. It has become necessary to design and execute the best customer
oriented practices and to internalize them for providing enhanced
satisfaction to the customer through the employees. Customers’ service is
not merely the compliance with the government’s policies or the mechanical
adherence to the time frame of services. It is a philosophy and an attitude of
professional commitment, which believes in the ultimate satisfaction or each
customer ‘wants’.
The foreign banks are functioning only in few metropolitan and big cities, they can afford to be luxurious but Indian banks have to tread with caution as they are beckoned to do social banking on a very large scale without commensurate returns. Indian banks are open to every citizen of the country, irrespective of social and financial strata to which he belongs where as only elite are welcome to foreign banks.
It is a unsecured loan as no securities are taken while availing the loan. Other form of loan like home loan, loan against shares/
securities demands collateral security while availing it. The personal loan is completely free from all the conditions and can
be availed with ease. Even though a few financial institutions may ask for a guarantor based on their comfort level of the
applicant's profile, it is a hassle free form loan.
Driven by challenges arising from rising customer expectations and shrinking margins, banks have been using technology to reduce cost. Technology intensive delivery channels like Internet Banking, Tele Banking, Mobile banking and Automated Teller Machines (ATMs) etc have created multiple conveniences to users of banks. The banking business is becoming more and more complex with the change; emanating from liberalization and globalization. For a new bank, customer creation is important, but for an established bank it is retention that is much more important.
People complaint that fat in milk increases the content of cholesterol in their body in their body in their causing some disease. To get rid of this complaint people can go for skimmed milk. Previously the availability of cattle farm was more and the population was less. To carry out all the day-to-day life activities. Energy is needed. Food gives energy. Hence, it is imitable for any human being to intake food. One of the important factors that must be considered in food is its nutritious value.
People complaint that fat in milk increases the content of cholesterol in their body in their body in their causing some disease. To get rid of this complaint people can go for skimmed milk. Previously the availability of cattle farm was more and the population was less. To carry out all the day-to-day life activities. Energy is needed. Food gives energy. Hence, it is imitable for any human being to intake food. One of the important factors that must be considered in food is its nutritious value.
Driven by challenges on competition, rising customer expectation and shrinking
margins, banks have been using technology to reduce cost. Apart from competitive
environment, there has been deregulation as to rate of interest, technology intensive
delivery channel like Internet Banking, Tele Banking, Mobile banking and Automated
Teller Machines (ATMs) etc have created a multiple choice to user of the bank. The
banking business is becoming more and more complex with the changes emanating from
the liberalization and globalization. For a new bank, customer creation is important, but
an established bank it is the retention is much more efficient and cost effective
mechanism.
The insurance companies have to ensure quality products at a competitive price. Companies can
lower the price of the product by reducing the cost. Their survival depends upon their policy-holders. The
policy-holders become confident of not losing much when an accident or uncertainty takes place. On the
report of the insured about an accident the company officials send surveyors to assess the loss caused to
the policy-holders. However, as several of the insurance providers are international companies having
made their presence felt in several countries, the service provided by them is a reflection of the experience
gained by them across the globe, and in that sense, the findings may be generalised to a great extent.
The primary function of financial institution’s to lend funds as loans to various sectors such as agriculture, industry, personal loans, housing loans etc., in recent times the institutions have become very cautious in extending loans. The reason being mounting non-performing assets (NPAs). An NPA is defined as a loan asset, which has ceased to generate any income for a bank whether in the form of interest or principal repayment. In order to study the menace of NPA, Kerala Financial Corporation (KFC) the premier institution which provides long term finance for industrial enterprises and assistance to the sick units for the rehabilitation purpose has been selected. NPA is a serious problem faced by KFC. Non- performance in a loan asset is the bane of the financial institutions in India. It is the universal problem and can cripple the economy of any nation. Mounting non-performing assets in a banking sector was the main reason for the financial crisis in the South East Asian countries. The Net NPA of KFC as per the records shows a declining trend. There is a tendency among the beneficiaries of the corporation to delay repayment of the loans and some percentage of these payments also turns into bad debts. The NPA and loans and advances are negatively correlated. It shows that while the amount of loan increases over the years, NPA shows a declining trend. The total amount of loan increased year by year, because corporation introduces variety of new loan schemes.
The difficulty in getting the right type of finance at the right time and in the right quantity continues to haunt the small entrepreneurs and still ranks first among the major problems faced by the small sector. This being the situation, it has become relevant to conduct a study aimed at evaluating. the role and performance of the SFCs. A detailed study on the role of the KFC in the industrialisation of Kerala is highly worthwhile especially in the period of global recession. . Various provisions of the SFCs Act enjoin on the KFC to undertake the stupendous task of industrial development in the State concerned by providing long-term credit to the MSME segment. The study based on secondary data. Secondary data were collected from various official records and reports. The KFC still functions as a Government undertaking. The majority of its shares in value are held by the Government of Kerala (97.06 per cent). Its capital structure consists of both own capital and borrowed capital. It gives more weightage to debt capital. Capital to Risk - weighted Assets Ratio (CRAR) was at 21.57 % during the year 2013-14, as against the minimum of 9% prescribed. , Corporation could make significant improvement in its performance in all major operational areas, viz, Sanction, (AAG 44.51)Disbursement(AAG38.16) and Recovery(AAG12.22). Schemes of financial assistance of the Corporation cover a series of activities ranging from manufacture to marketing of goods and services. Regarding the trend of loan operations, the role of the KFC in the process of industrialisation is found to be increasing year by year as the total amount disbursed
More from Vivekanandha College of arts and Science for Women (Autonomous) (14)
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
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Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
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What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
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• Four (4) workplace discipline methods you should consider
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1. Volume 43
Number 2
June 2016
SedmeSmall Enterprises Development,
Management & Extension
Journal
(An ISO 9001-2008 organisation)
2. EDITORIAL BOARD
Chief Editor
Associate Editors
Reviewers
Journal Coordinators
Mr. M. Chandrasekar Reddy
Dr. Dibyendu Choudhury
Dr. Girija Bai Gattu
Dr. Neeta Baporikar
Dr. Rachita Rana
Dr. A. Srihari Krishna
Dr. Sarita Kumari
Dr. Brajaballav Kar
Dr. Soumendra Kumar Patra
Dr. K. Sudarsan
Ms. P. Anjali Prasanna
Mr. B. Sharath Babu
Director General, ni-msme, Hyderabad, India
Faculty Member, ni-msme, Hyderabad, India
Professor & Director (Business Management), Namibia University of Science and
Technology, Namibia, Africa
Professor & Director, Institute of Information Technology and Management, Janakpuri,
New Delhi, India
Director, Siddhartha Educational Academy Group of Institutions, Tirupati, Andhra
Pradesh, India
Professor (HRM & Managerial Economics), SIES College of Management Studies, Navi
Mumbai, Maharashtra, India
AssociateProfessor,KalingaInstituteofIndustrialTechnology,Bhubaneswar,Odisha,India
Associate Professor (OM & Decision Science), Institute of Management & Information
Science, Bhubaneswar, Odisha, India
Assistant Professor, Sreenivasa Institute of Technology and Management Studies,
Chittoor, Andhra Pradesh, India
3. AN EMPRICAL NOTE ON
GENERAL INSURANCE PRODUCTS
C. Sankar *
ABSTRACT
June 2016
The insurance companies have to ensure quality products at a competitive price. Companies can
lower the price of the product by reducing the cost. Their survival depends upon their policy-holders. The
policy-holders become confident of not losing much when an accident or uncertainty takes place. On the
report of the insured about an accident the company officials send surveyors to assess the loss caused to
the policy-holders. However, as several of the insurance providers are international companies having
made their presence felt in several countries, the service provided by them is a reflection of the experience
gainedbythemacrosstheglobe,andinthatsense,thefindingsmaybegeneralisedtoagreatextent.
Keywords: Factors,service,products,company,price
Introduction
Insurance is a form of risk management first and foremost, used to hedge against the
risk of a needy loss. Insurance is defined as the rational transfer of the risk of a loss, from
one individual to another, in swap for a premium, and it can be thought of as a certain
small loss to prevent a large, possibly devastating loss.An insurer is a company selling
the insurance; an insured is the person or entity buying the insurance.The insurance rate
isafactorusedtomakeadecisionabouttheamounttobechargedforacertainamountof
insurance exposure called the premium. Risk management, the practice of appraising
andschemingrisk,hasevolvedasaseparatefieldofstudyandsocarriedout.
* Dr. C. Sankar is Assistant Professor, Department of Commerce, Karpagam University,
Coimbatore-641021,Tamil Nadu; e-mail:sankarzee.c@gmail.com.mobile:9566997631;
4. Reviewof literature
Govind Johri (2009) in his article discussed customer satisfaction with regard to
General insurance industry. This new trust and innovativeness is the key to
competitiveness. The survey has clearly revealed perception gaps in the area of: (i)
visual appeal of document and office, (ii) product knowledge and adherence to
promises, (iii) responsiveness and dependability, (iv) error-free records and empathy.
Kavitha, Latha, and Jamuna (2012) in their articles on General insurance companies,
part of financial sector, remarked that they were expected to show profits though they
were service-oriented organisations. The premium income under these two schemes
namely, personal accident, and Mediclaim schemes constituted more than 85 per cent
of the total premium income for all the four schemes namely, Personal Accident,
HealthInsurance,Workmen’s CompensationandMediclaimschemes. Manisha Rani
(2012) in her research article focused on a survey of insurance companies in India.
From 49 members of the Indian association in the directory (2011) published by the
association 30 companies were selected at random to find out how customer
relationship could become more effective with the aid of information technology and
to see if Customer Relationship Management (CRM), when properly carried out
using appropriate information technology, could yield optimal results for the
organisation. Manjit Singh and Rohit Kumar (2009) in their article revealed emerging
trends in the growth, financial performance, and strategies for improving the
performance of General insurance companies in India. It was highlighted that public
sector insurance companies were suffering from loss when it came to their core
insurance business, but still managed to get good net earnings, which was mainly
ascribed to the investmentincome.RajeevAhuja and Indranil De (2004) in their paper
empirically confirmed that demand for insurance was limited where supply of health
care services was weak. In particular, inter-state variation in demand for universal
health insurance schemes for the poor in India is explained by inter-state variation in
health care infrastructure and the proportion of the poor for whom the scheme is
designed.
Sandhu and Neetu Bala (2011) conducted a study on Life Insurance Corporations’
customers located in the major cities namely, Amritsar, Jalandhar, and Ludhiana in
Punjab, a progressive state of India. They considered a sample of 450 customers who
were approached personally at their work places and residences. Managerial
implication and directions for further research had also been discussed. Selvakumar
and Vijayakumar (2013) undertook an empirical study based on the survey method.A
policy-holder has freedom to take up a particular policy from any one of the insurance
SEDME 43.2
2/ Sankar
5. An Emprical Note on.../3
companies. Therefore, the study was undertaken with reference to Madurai region.
Shreedevi and Manimegalai (2013) in their study attempted to compare the
performance of public and private General insurance companies in terms of certain
parameters. The growth rate was 55.36 per cent in 2004-05 and the highest growth
rate of 61.24 per cent was recorded in 2006-07, which decreased to 24.67 per cent in
2010-11.
Insurance has come to play a major role in the life of humanity. Slowly people
started to realise the need for insurance, which continues as long as life exists. In fact
insurance is not restricted to any category of society in terms of caste, ages or life-
styles. Also, many people have a notion that insurance is a good form of an
investment, which is not right. The life insurance industry has become increasingly
competitiveinrecentyears.
Modeof operation
The policy-holders become confident of not losing much when an accident or
uncertainty takes place. On the report of the insured about an accident, the company
officials send surveyors to assess the loss caused to the policy-holders. The surveyor
submits a report to the insurance company as to the particulars of damage like the
quantum of goods or machinery lost and their value. The company, after studying the
report of the surveyor, takes necessary steps to settle the claim.The claim made by the
policy-holder is not always fully admitted. The insurance company takes into
consideration the age of the machinery/ contraction/ installation of the asset. In case
of goods, their current worth is noted. The claim of the policy-holder is settled as per
theestablishedguidelinesobtainablewiththeinsurancecompanyconcerned.
Significanceof thestudy
The insurance companies have to ensure quality products at a competitive price.
Companies can lower the price of the product by reducing the cost. Their survival
depends upon their policy-holders, the factor that influences the selection of general
insurance products.The study attempts to evaluate the factors influencing in selection
of general insurance products. Today, only one business, which affects all walks of
business, is insurance. That’s why insurance industry occupies a very significant
place among financial services functioning in the world. Due to growing complexity
of life, trade and commerce, individual as well as business firms are turning to
manage various risks. Hence, a proper knowledge of what insurance is and what
purpose does it serve to individual or an organization is consequently necessary.
June 2016
6. Companies must ensure that their marketing mix suits all segments of people and
should beformulatedbasedon thepreferenceof customers.
Objectivesof thestudy
I. To evaluate the factors influencing the selection of the products and the services of
Generalinsurancecompanies
ii. To offer suitable suggestions and recommendations for further improvement of the
performanceof Generalinsurancecompanies
Methods ofdata collection
The study is based on both primary and secondary data. The primary data were
collected from the policy-holders who had taken General insurance policies such as
motor insurance policy, fire insurance policy, and health insurance policy from any
branch of both public and private sector insurance companies. The General insurance
companies in Salem district selected for the study were New India, United India, ICICI
Lombard, Bajaj Allianz, IFFCO Tokio. For the purpose of collecting primary data, a
structured interview schedule was used for policy-holders. The secondary data were
collected from the annual reports of IRDAand GIC, annual reports of selected General
insurancecompanies,magazines,variousjournalsrelatedtoinsurance,technicalbooks,
edited volumes, other articles from General insurance companies and other records
published by the Salem district regional office and divisional offices of General
insurancecompaniessituatedinSalemdistrict,TamilNadu.
Sampling method
About 500 policy-holders were approached to collect the required data for the
study. The researcher could not receive information from 50 respondents. The
researcher had no option other than to fix the sample at 450. Of them 301 policy-
holders were taken from public sector General insurance and 149 policy-holders were
taken from private sector General insurance. The policy-holders were selected on the
basis of non-random sampling by following convenience sampling method. The
selected respondents belonged to different fields and hence the study covered a cross-
section of society such as teachers, lawyers, doctors, engineers, businessmen, and
farmersinSalemdistrict,TamilNadu.
Statisticaltechniques foranalysis
The collected data were analysed with reference to each of the objectives of the
study. Descriptive analyses were employed.Analysis and interpretation were done by
using SPSS -21.0 andAmos-2.10 softwarepackages.
SEDME 43.2
4/ Sankar
7. Limitationsof thestudy
I. Theresponses for thestudy weresolicitedfromtheSalemdistrictonly.
ii. Thesamplecollectedhas beenrestrictedto450.
Levelofsatisfaction
Factors influencing the policy-holders to take policies in General insurance have
been identified, and individual factors were analysed by the simple percentage
analysis. Policy selection was a part of performance. It was based on highly
favourable attitudes towards the policy and conscious commitment each time the
customer purchases a policy in this category. Table -1 describes the distribution of
respondents based on the level of satisfaction that customers had with their policy
selection.
From table-1 it can be clearly inferred that the respondents were highly satisfied
with factors like product price, reminder for renewal of policy, office appearance,
motivation given by the officials to buy the policy, guidance/help at the time of
purchasing the policy, promptness in issuing the policy, contacts by the development
officers/agents after issuing the policy, Development officer’s attitude in helping the
policy holders at the time of making claims, amount settled by the company (relative
worth of the amount), and bonus for next premium payment having percentages 42.4,
52.4, 38.9, 38.4, 35.3, 44.4, 45.1, 57.3, 42.4, and 52.4 correspondingly. The
respondents were satisfied with the factors of courtesy of staff, officers/agents being
easily accessible, response in time, attitude of surveyor, agent’s attitude in guiding the
claim settlement, company’s attitude in settling claims, moral support, convenient
service, covering more services having percentages 49.1, 42.4, 53.3, 34.4, 42.4,
49.3,42.4, 52.3 and 34.4 respectively. The respondents were neutral towards factors
like speed in claim settlement, knowledge of the person dealing with you, type of the
product, and transparency of the policies, claim settlement percentage, benefits
associated with the policy having percentages 32.7, 44.7, 48.2, 32.7, 44.7, and 48.2
correspondingly. It was found from the analysis that a majority of 57.3 per cent of
respondents were highly satisfied with the development officer’s attitude in helping
the policy-holders at the time of making claim in General insurance policy. From the
foregoing it can be inferred that the above stated satisfying factors induce the policy-
holders to purchase the policies in General insurance. Thus, the above factors were
takenas thosecoveredintheselectionof Generalinsurancepolicies.
An Emprical Note on.../5
8. TABLE-1
Factors influencing towards Level of Satisfaction
Sl.No. Factors HS S N DS HDS
1. Courtesy of staff 81 221
(18.0) (49.1) (17.1) (13.8) (2.0)
2. Product price 191 170 57 30 2
(42.4) (37.8) (12.7) (6.7) (0.4)
3. Officers/agents are easily accessible 171 191 81 3 4
(38.0) (42.4) (18.0) (0.7) (0.9)
4. Reminder for renewal of policy 236 175 31 4 4
(52.4) (38.9) (6.9) (0.9) (0.9)
5. Response in time 146 240 47 8 9
(32.4) (53.3) (10.4) (1.8) (2.0)
6. Speed in claim settlement 144 129 147 21 9
(32.0) (28.7) (32.7) (4.7) (2.0)
7. Knowledge of the person dealing with you 71 138 201 31 9
(15.8) (30.7) (44.7) (6.9) (2.0)
8. Type of the product 80 115 217 20 18
(17.8) (25.6) (48.2) (94.4) (4.0)
9. Attitude of surveyor 149 155 85 48 13
(33.1) (34.4) (18.9) (10.7) (2.9)
10. Office appearance 175 136 84 38 17
(38.9) (30.2) (18.7) (8.4) (3.8)
11. Motivation given by the 173 99 89 46 43
officials to buy the policy (38.4) (22.0) (19.8) (10.2) (9.6)
12. Guidance/help at the time 159 137 83 35 36
of purchasing the policy (35.3) (30.4) (18.4) (7.8) (8.0)
13. Promptness in issuing the policy 200 164 80 2 4
(44.4) (36.4) (17.8) (0.4) (0.9)
14. Contacts by the development officers/ 203 145 63 25 14
agents after issuing the policy (45.1) (32.2) (14.0) (5.6) (3.1)
15. Development officer’s attitude in helping 258 119 47 21 5
the policy holders at the time of making claims (57.3) (26.4) (10.4) (4.7) (1.1)
the time of making claims
16. Agent’s attitude in guiding the 181 191 64 Nil 14
claim settlement (40.2) (42.4) (14.2) (3.1)
17. Company’s attitude in settling claims 81 222 76 62 9
(18.0) (49.3) (16.9) (13.8) (2.0)
77 62 9
June 2016
6/ Sankar
9. Source: Primary data. * Figures in brackets indicate percentage.
Sl.No. Factors HS S N DS HDS
18. Amount settled by the company (relative worth 191 171 56 30 2
of the amount) (42.4) (38.0) (12.4) (6.7) (0.4)
19. Moral support 172 191 80 3 4
(38.2) (42.4) 917.8) (0.7) (0.9)
20. Bonus for next premium payment 236 176 30 4 4
(52.4) (39.1) (6.7) (0.9) (0.9)
21. Convenient service 146 240 48 7 9
(32.4) (52.3) (10.7) (1.6) (2.0)
22. Transparency of the policies 144 130 147 20 9
(32.0) (28.9) (32.7) (4.4) (2.0)
23. Claim settlement percentage 71 139 201 30 9
(15.8) (30.9) (44.7) (6.7) (2.0)
24. Benefits associated with policy 81 115 217 19 18
(18.0) (25.6) (48.2) (4.2) (4.0)
25. Covering more services 149 115 85 48 13
(33.1) (34.4) (18.9) (10.7) (2.9)
HS:Highlysatisfied;S :Satisfied;N : Neutral;DS :Dissatisfied; HDS: Highly
dissatisfied
Suggestions and recommendations
i. The insurance companies have customer service sections and grievance redress
officers. It seems that these sections were created mainly as a formality rather than
for enhancing their performance and efficiency, complied as per the guidelines of
Government of India. These sections need to be rejuvenated and given due
importance.
ii. The respondents were given detailed information of the General insurance through
their advertisement and company agents/ officers. Therefore, it is suggested that
the General insurance companies may give a wide range of services to the
customers and project the attractive advertisement through television (local
channel), wall painting and radio (F.M). By doing so, more number of people may
becomeawareoftheservicesandutilisetheserviceofGeneralinsurance.
iii.General insurance companies have to think up the strategies to increase the
premium growth rate over the target growth rate in case of personal accident and
workman’s compensationschemes,sincetheactualgrowth was notsignificant.
SEDME 43.2
An Emprical Note on.../7
10. iv. People are aware about the presence of insurance companies but awareness about
the importance of insurance as risk avoidance tool is low. Companies advertise
benefits, risk coverage, etc. IRDA would make efforts to create awareness about
thesocialsignificanceofGeneralinsuranceamongthemasses.
Conclusion
The study has to evaluate the comparative performance of public and private
sector General insurance companies. The metrics is validated and tested in an
environment where several national and international General insurance companies
are vying to capture the small scale industries General insurance market. The study
has revealed the pitfalls in the performance general insurance policyholders etc., This
requires immediate consideration, as it is against the recommended, practices of
providing service. Social responsibility is also a dimension which needs to be
strengthened by the insurance providers. However, as several of the insurance
providers are multi-national companies having made their presence felt in several
countries, the service provided by them is a reflection of the experience gained by
them across the globe, and in that sense, the findings may be generalized to a great
extent.
REFERENCES
Ahuja R., and Indranil De, (2004). Health Insurance for the Poor-Need to Strengthen Healthcare
Provision, Economicand PoliticalWeekly,4491-4493.
Asmarubiya Begam, A., and Mohamed Nasardeen, S.M., Empirical Study on Factors Influencing
Consumer Choice of Life Products, Journal of Management and Science, Special
Issue2.
Gopalkrishna,B. Rodrigues, Lewlyn L.R., Varambally, K.V.M., (2008) Service Quality in General
InsuranceSector:An EmpiricalStudy, IndianJournalofIndustrialRelations,44(1).
Govind Johri, (2009). Customer Satisfaction in General Insurance Industry-A Step toward
Competitiveness.AJournalofRiskand Insurance Pravartak,4 (3).
Kavitha Tnr., LathaA., & Jamuna S. (2012). Customers’Attitude towards General Insurance-AFactor
AnalysisApproach,IOSR JournalofBusiness and Management,3(1), 31-36.
Rani M., (2012). CRM in Insurance Services, International Journal of Innovations in Engineering and
Technology, 1(1), 51-58.
Sandhu, H.S., & Neetu Bala, (2011). Customers’Perception towards Service Quality of Life Insurance
Corporation of India: A Factor Analytic Approach, International Journal of Business
and SocialScience,2(18), 219-230.
June 2016
8/ Sankar
11. Sankar.C (2016). Empirical Study on Policyholder’s Opinion towards Reason of Taking General
InsurancePolicy,InternationalJournalofAcademicResearch,4(1), 88-92.
Sankar.C (2016). Recital of Non-Life Insurance Industry, LAP LAMBERT Academic Publishing,
Germany.
Selvakumar K., & Vijayakumar S., (2013). Attitude of Policyholders towards Administration of
General Insurance Companies with Reference to Madurai Region, SUMEDHAJournal
ofManagement,2(2), 93-116.
Shreedevi D., & Manimegalai D., (2013). A Comparative Study of Public and Private non- life
Insurance Companies in India, International Journal of Financial Management
(IJFM),2(1), 13-19.
Singh M. & Kumar R., (2009). Emerging trends in financial Performance of General Insurance
Industry inIndia.IndianManagementStudiesJournal,13,31-44.
VinayagamoorthyA& Sankar C (2012).AComparative Study on Service Quality Perception of Public
General Insurance and Private General Insurance Companies in Salem City,
ACUMEN-MarianJournalofCommerceandManagement,5 (2), 71-72.
VinayagamoorthyA& Sankar.C (2012). Policyholders’Awareness towards General Insurance Policy-
ComparativeAnalysis, JournalofDevelopmentResearch,7(1), 73-85.
Web References
http://www.lonsdalebrokers.com/en/knowledge-centre/100.aspx
https://en.wikipedia.org/wiki/Insurance
SEDME 43.2
An Emprical Note on.../9
12. v
v
v
v
v
v
v
v
v
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13. About Sedme
Sedme breathed its first in 1974, when the academic community of
nimsme (formerly nisiet) felt a need for a forum through which they could
express and exchange their thoughts and opinions on small enterprise
related policies, programmes, etc. Since then, it has evolved into a healthy
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attracting contributors and users not only from every corner of the country
butalsofromotherdevelopingas wellas developednations.
Sedme has been bringing out exclusive themes covering on e.g.:
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the researchers, practitioners, and promotional bodies concerned with small
enterprisesinonewayortheother.
The editorial team of Sedme takes pride in stating that during the last
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dedicated to Micro, Small & Medium Enterprises (MSME), and continues
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ISSN. 0970-8464 (Print)
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Reg. No. 25330/74