The document provides a brief history of insurance, beginning with ancient Greek and Roman guilds that cared for deceased members' families. It discusses how guilds in the Middle Ages and "friendly societies" in England served similar purposes. The earliest known insurance contract was created in 1347 in Genoa between European maritime nations. The document also summarizes the concept of life insurance and identifies Elizur Wright as the "father of life insurance". Finally, it outlines Panamanian insurance law and the responsibilities of Panama's Insurance Superintendent.
Helps customer find the best policy according to their suitable needs
Features,pros,cons and suitability of various policies are given :-
1. Term Policy
2. Whole Life Policy
3. Unit Linked Insurance Policy (ULIP)
4. Money Back Policy
5. Endowment Policy
Helps customer find the best policy according to their suitable needs
Features,pros,cons and suitability of various policies are given :-
1. Term Policy
2. Whole Life Policy
3. Unit Linked Insurance Policy (ULIP)
4. Money Back Policy
5. Endowment Policy
Life Insurance Basics provides an overview of most of the types of life insurance products available today and reviews the basics of policies, contracts, beneficiaries and how to buy life insurance. Part of the continuing series of presentations in the Financial Services Industry Training. Contact us if you need training developed for your organization.
Life insurance can be an important part of your financial strategies, helping to ensure a more secure financial future for your loved ones when you're gone
Life Insurance Basics provides an overview of most of the types of life insurance products available today and reviews the basics of policies, contracts, beneficiaries and how to buy life insurance. Part of the continuing series of presentations in the Financial Services Industry Training. Contact us if you need training developed for your organization.
Life insurance can be an important part of your financial strategies, helping to ensure a more secure financial future for your loved ones when you're gone
This presentation includes facts and figures assembled by Gen Re for the U.S. Life insurance industry. The information has been assembled in honor of the Life Foundation's Life Insurance Awareness Month campaign (September 2014).
Privatisation of life insurance sector in indiaiicecollege
This project is related to life insurance business in India. This study is mainly related to privatization of life insurance sector. LIC was monopoly in insurance sector till 2000.
The decision by IRDA to grant licences to private pledgers in life and non-life sector is expected to increase the insurance business in India. This is bound to board to force existing player to become more competitive thus the buyer can now expect better deals form its insurance agents.
Rural Insurance plays a vita role in the economic progression. India being an agricultural backbone requires efforts to boost agrarian activities. The push and pull factors enable to go for insurance coverage that may comprise of Cattle Insurance, Crop Insurance, Vehicle Insurance, Theft, Burglary or Fire Insurance etc.
Insurance is the largest sector for meeting not only the unforeseen events but also provides proximity and morale to encounter the dangers, risks and perils associated with the business activity.
A protection against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
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.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
2. A brief history
According to some authors, The Greeks and Romans
introduced the origins of health and life insurance c. 600
BCE when they created guilds called "benevolent societies"
which cared for the families of deceased members, as well
as paying funeral expenses of members.
Guilds in the Middle Ages served a similar purpose.
The Talmud deals with several aspects of insuring goods.
Before insurance was established in the late 17th century,
"friendly societies" existed in England, in which people
donated amounts of money to a general sum that could be
used for emergencies.
3. Brief history
As European civilization progressed, its social
institutions and welfare practices also got more and
more refined.
With the discovery of new lands, sea routes and the
consequent growth in trade, Medieval guilds took it
upon themselves to protect their member traders from
loss on account of fire, shipwrecks and the like
4. Brief history
Since most of the trade took place by sea, there was
also the fear of pirates. So these guilds even offered
ransom for members held captive by pirates. Burial
expenses and support in times of sickness and poverty
were other services offered. Essentially, all these
revolved around the concept of insurance or risk
coverage. That's how old these concepts are, really.
In 1347, in Genoa, European maritime nations entered
into the earliest known insurance contract and
decided to accept marine insurance as a practice.
5. Concept of life insurance
Life insurance is a contract between the insurer and
the policy owner. The insurer promises to pay a lump
sum of money on the death of the insured person or
persons. Or pay him the amount in case of critical or
terminal illness. In return the policy owner pays a
premium at regular intervals, such as monthly,
quarterly, half yearly or annually.
This premium is different with different insurance
companies and the period of payment of the
premiums may vary and this is decided at the time of
buying the insurance.
6. The father of life insurance
Elizur Wright is considered the father of life
insurance. (12 February 1804–22 November 1885) was
an American mathematician and abolicionist who was
born in 1804 and died in 1885.
He has been considered the "father of life insurance"
for his pioneering work on actuarial tables.
He is also sometimes called the "father of insurance
regulation", as he campaigned that life insurance
companies must keep reserves, and served as
Massachusetts Insurance Commissioner.
7. Reasons for buying life insurance
To safe our family in the event of any unforeseen happenings.
It is important for us to save our family in the event of any unforeseen
happenings such as death. We have to ask ourselves some questions
concerning our family: If I were to die, would they be able to continue
to live in the same house, and still be able to make the rent or mortgage
payment? How can I be sure that I can provide for my family even after
I’ve left this world?
Life insurance serves many practical purposes. Obviously paying off
debts so your family is not overburdened in your absence is very
important. However, life insurance is equally important for your family
members in order to allow them grieving time, and provide them with
a little time to heal.
8. Reasons for buying life insurance
To replace the income that is lost due to the policy
holder´s death
Funeral expenditure nowadays is costly. Paying for the
services, at a time when we are still numb and reeling
from the sudden loss of a loved one can be hard, to say
the least. In such cases, a life insurance policy can
come to our aid, by taking care of the funeral expenses.
9. Reasons for buying life insurance
To pay off the mortgage
When we purchase a term life insurance policy, we take
into account all the money our family will need in case we
are not around to help out. This includes our mortgage
payments.
To plan our children´s education
Children are always asked what they want to be when they
grow up. Doctor, Lawyer, Astronaut. And as a parent, you
want to make sure nothing stands in their way, especially
something like finances. The cost of education is
increasing at a rapid pace across all levels. In order to
ensure that you can pay for your children’s educations we
need to buy life insurance.
10. Reasons for buying life insurance
To pay for the burial expenses of the policy holder
Death is a constant and no one can escape it. After a
person dies it is important to get solved the problem of
the payment for the burial expenses of the late. Life
insurance covers those expenses. Without life
insurance, the family will have to find way to settle the
death expenses such as burial, coffin, etc.
11. Panamanian law concerning
insurance
In 1996, the Republic of Panama adopted Law 59 (July 20, 1996)
Law 60 (July 29, 1996) and Law 63 (September 19, 1996) which
regulate Insurance Companies and the Professional of Insurance
Brokers & Producers, Captive Insurance Companies and
Reinsurance Activities respectively.
Under this legislation, all companies or enterprises who
undertake insurance activities, of any nature including bond
bailiffs, are regulated by the Superintendent of Insurance. This
also includes insurance brokers, adjusters and any person who is
involved in insurance brokerage. Furthermore, this legislation
covers any entity who promotes health, pension or retirement
funds, and investment or saving schemes which issue policies or
contracts (other than those covered by other special legislation,
such as the securities legislation or special creations of law).
12. The Insurance Superintendent's
responsibilities
Strengthen the growth of the insurance industry;
Inspect and investigate the commercial operations and
professional practices of the persons regulated by the
law;
Review, process and investigate the applications made
for licenses of any nature under the insurance laws;
and
Enforce the insurance legislation.