Life Insurance Riders
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Life insurance riders provide additional benefits to a basic life insurance policy for a small extra premium payment. Common riders include permanent/partial disability riders that pay a percentage of the sum assured if disabled, waiver of premium riders that waive premium payments if disabled, critical illness riders that pay a lump sum if diagnosed with a critical illness, and accidental death riders that pay an extra amount on accidental death. Riders do not change the basic policy benefits and provide additional coverage depending on an individual's needs and other existing policies. Riders may qualify for some tax benefits under Indian law. Customers should evaluate if riders are truly needed based on their personal situation and consult an advisor.
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insurance
This document provides an introduction and overview of insurance. It discusses that insurance helps spread risk over many individuals and helps people recover from losses. Insurance is important for businesses to manage risks to property, equipment, inventory and more.
The document then defines insurance as a social device that provides financial compensation for losses through accumulated contributions of participants. It explains key insurance terms like insurer, insured, policy, and premium. It distinguishes assurance which guarantees payment of a sum, from insurance which covers risks that may or may not occur.
Finally, the document outlines principles of insurance like utmost good faith between parties, the requirement of insurable interest, the principle of indemnity where payment covers actual loss, and other principles like
Chapter 1: Introduction to Insurance
Insurance is a social device for spreading the chance of financial loss among
a large number of people. Insurance protects against pure risk.
Risk is the possibility of losing economic security.
Risk can be of two kinds: speculative or pure And only pure risks are insurable
Pure risk involves only two possible outcomes:
loss or no loss, with no possibility of gain or profit
Speculative Risk
involves three possible outcomes: loss, no loss or profit
The Law of Large Numbers:
The average of the results obtained from a large number of trials should
be close to the expected value.
Underwriting:
The process of selecting certain types of risks that have historically
produced a profit.
Peril:
A potential cause of loss. Accident, fire, and theft are common perils.
Hazard:
Anything that increases the seriousness of a loss or increases
the likelihood that a loss will occur.
Adverse Selection:
Is the tendency of person with a higher than average chance
of loss to seek insurance at the average state, which if not
Controlled by underwriting, result in higher than expected
Loss levels.
Insurance is not same as gambling. Gambling is creat a new
speculative risk and socially is unproductive but insurance
Deals with pure risk and socially is productive.
Insurance is not same as hedging. Insurance involves the
Transfer of pure risk and reduce objective risk but hedging
Involves just the transfer of speculative risk not risk
Reduduction.
Types of Insurance:
Private insurance, consist of health insurance, property and
liabilty insurance.
Government Insurance, cnosist of social insurance and other
Government insurance programs.
How does insurance work?
You pay a fee called a premium, and in exchange,
the insurance company agrees to pay you a certain
amount of money
-Basic Characteristics Of Insurance
Pooling of losses
Payment of fortuitous losses
Risk transfer
Indemnification
-Pooling of losses
Spreading of losses incurred by the few over the entire group.
• Key mechanism is “law of large number”.
• Future losses are predicted based on law of large number.
Note
• Pooling of loss is the spreading of losses incurred by the few over the
entire group so that in the process average loss is substituted for actual loss.
• The primary purpose of pooling is to reduce the variation in possible
Outcomes , which reduces risk.
-Payment of fortuitous losses
A fortuitous loss is one that is unforeseen and
unexpected and occurs as a result of chance.
Insurance policies do not cover intentional losses
-Risk Transfer
Risk transfer means that a pure risk is transferred from
the insured to the insurer,who typically is in a stronger
Financial position to pay the loss than the insured.
-Indemnification
Means that the insured is restored to his or her approximate
financial position prior to the occurrence of the loss.
- Insurable Risk
Insurer normally insure only pure risk.
TYPES OF LIFE INSURANCE POLICIES IN INDIA
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
Principles of insurance
Insurance involves the equitable transfer of risk, where an insurer agrees to compensate an insured for a potential loss in exchange for a premium payment. The key parties are the insurer (the company), the insured (the policyholder), and the premium (the amount charged). Insurance is governed by acts and involves a contract between the insurer and insured regarding a specific insurable risk, with defined terms and conditions. For a risk to be insurable, it must be measurable, accidental in nature, and not catastrophic. Common types of insurance include life, property, liability, and guarantee policies.
Cost of capital
detailed explanation on cost of capital - useful the students of undergraduate, post graduate and professional course students pursuing finance
Principles of insurance
Hi guys! I have uploaded the power point presentation for Principles of Insurance, If any one has queries in regards to this topic, you can comment below,
Thanks!
Sanmeet.
General insurance
Fire insurance protects people from financial losses caused by fires. It involves sharing fire-related losses incurred by some through contributions to a common fund by all who are exposed to fire risk. Fire insurance pays for losses that are unexpected and occur due to chance. It aims to restore the insured's financial position prior to the loss through the principle of indemnity.
4. Insurance - Non-Life Insurance
Listing the various types of non-life insurance and their meanings. http://www.koffeefinancial.com/Static/Learn.aspx
Recommended
insurance
This document provides an introduction and overview of insurance. It discusses that insurance helps spread risk over many individuals and helps people recover from losses. Insurance is important for businesses to manage risks to property, equipment, inventory and more.
The document then defines insurance as a social device that provides financial compensation for losses through accumulated contributions of participants. It explains key insurance terms like insurer, insured, policy, and premium. It distinguishes assurance which guarantees payment of a sum, from insurance which covers risks that may or may not occur.
Finally, the document outlines principles of insurance like utmost good faith between parties, the requirement of insurable interest, the principle of indemnity where payment covers actual loss, and other principles like
Chapter 1: Introduction to Insurance
Insurance is a social device for spreading the chance of financial loss among
a large number of people. Insurance protects against pure risk.
Risk is the possibility of losing economic security.
Risk can be of two kinds: speculative or pure And only pure risks are insurable
Pure risk involves only two possible outcomes:
loss or no loss, with no possibility of gain or profit
Speculative Risk
involves three possible outcomes: loss, no loss or profit
The Law of Large Numbers:
The average of the results obtained from a large number of trials should
be close to the expected value.
Underwriting:
The process of selecting certain types of risks that have historically
produced a profit.
Peril:
A potential cause of loss. Accident, fire, and theft are common perils.
Hazard:
Anything that increases the seriousness of a loss or increases
the likelihood that a loss will occur.
Adverse Selection:
Is the tendency of person with a higher than average chance
of loss to seek insurance at the average state, which if not
Controlled by underwriting, result in higher than expected
Loss levels.
Insurance is not same as gambling. Gambling is creat a new
speculative risk and socially is unproductive but insurance
Deals with pure risk and socially is productive.
Insurance is not same as hedging. Insurance involves the
Transfer of pure risk and reduce objective risk but hedging
Involves just the transfer of speculative risk not risk
Reduduction.
Types of Insurance:
Private insurance, consist of health insurance, property and
liabilty insurance.
Government Insurance, cnosist of social insurance and other
Government insurance programs.
How does insurance work?
You pay a fee called a premium, and in exchange,
the insurance company agrees to pay you a certain
amount of money
-Basic Characteristics Of Insurance
Pooling of losses
Payment of fortuitous losses
Risk transfer
Indemnification
-Pooling of losses
Spreading of losses incurred by the few over the entire group.
• Key mechanism is “law of large number”.
• Future losses are predicted based on law of large number.
Note
• Pooling of loss is the spreading of losses incurred by the few over the
entire group so that in the process average loss is substituted for actual loss.
• The primary purpose of pooling is to reduce the variation in possible
Outcomes , which reduces risk.
-Payment of fortuitous losses
A fortuitous loss is one that is unforeseen and
unexpected and occurs as a result of chance.
Insurance policies do not cover intentional losses
-Risk Transfer
Risk transfer means that a pure risk is transferred from
the insured to the insurer,who typically is in a stronger
Financial position to pay the loss than the insured.
-Indemnification
Means that the insured is restored to his or her approximate
financial position prior to the occurrence of the loss.
- Insurable Risk
Insurer normally insure only pure risk.
TYPES OF LIFE INSURANCE POLICIES IN INDIA
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
Principles of insurance
Insurance involves the equitable transfer of risk, where an insurer agrees to compensate an insured for a potential loss in exchange for a premium payment. The key parties are the insurer (the company), the insured (the policyholder), and the premium (the amount charged). Insurance is governed by acts and involves a contract between the insurer and insured regarding a specific insurable risk, with defined terms and conditions. For a risk to be insurable, it must be measurable, accidental in nature, and not catastrophic. Common types of insurance include life, property, liability, and guarantee policies.
Cost of capital
detailed explanation on cost of capital - useful the students of undergraduate, post graduate and professional course students pursuing finance
Principles of insurance
Hi guys! I have uploaded the power point presentation for Principles of Insurance, If any one has queries in regards to this topic, you can comment below,
Thanks!
Sanmeet.
General insurance
Fire insurance protects people from financial losses caused by fires. It involves sharing fire-related losses incurred by some through contributions to a common fund by all who are exposed to fire risk. Fire insurance pays for losses that are unexpected and occur due to chance. It aims to restore the insured's financial position prior to the loss through the principle of indemnity.
4. Insurance - Non-Life Insurance
Listing the various types of non-life insurance and their meanings. http://www.koffeefinancial.com/Static/Learn.aspx
Underwriting in Insurance
The document discusses the process of insurance underwriting. Underwriting involves evaluating risks to determine whether to issue an insurance policy to an applicant. It aims to select applicants that will likely have claims below assumed losses to ensure a profit. The underwriter considers the applicant's exposure, pricing alternatives like modifying coverage, and monitors policies to maintain satisfactory results for the insurance company. Underwriting balances risks across policyholders and ensures adequate premiums are charged for expected losses.
Bond valuation
The document discusses various bond valuation concepts like coupon rate, current yield, spot interest rate, yield to maturity, yield to call, and realized yield. It provides examples to calculate these measures and explains how bond prices are determined based on factors like interest rates, time to maturity, and cash flows. Bond duration is introduced as a measure of interest rate risk exposure, and bond risks from default and changes in interest rates are explained.
Insurance And Risk Management
Risk management is the process of identifying, assessing and controlling threats to an organization's capital and earnings. These threats, or risks, could stem from a wide variety of sources, including financial uncertainty, legal liabilities, strategic management errors, accidents and natural disasters
Risks which are not capable of avoidance, prevention, reduction to a large extent or assumption may be transferred from one party to the other party. The basic objective of insurance is to transfer the risk of a person to the insurance company which has easily spread it over a large number of persons insuring similar risks. As such, for handling risks which involve large financial losses or which are dangerous, insurance is a means of shifting such risks in consideration of a nominal cost called premium.
5 uses for life insurance benefits
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
Chapter 6: FINANCIAL OPERATIONS OF I NSURERS
1-Liabilities: Loss Reserves
A loss reserve is the estimated cost of settling claims for losses that have already occurred but that have not been paid as of the valuation date . More specifically, the loss reserve is an estimated amount for (1) claims reported and adjusted but not yet paid, (2) claims reported and filed, but not yet adjusted, and (3) claims for losses incurred but not yet reported to the company .
Loss reserves in property and casualty insurance can be classified as case reserves, reserves based on the loss ratio method, and reserves for incurred but not reported claims.
2-Policyholders’ Surplus
Policyholders’ surplus is the difference between an insurance company’s assets and liabilities . It is not calculated directly—it is the “balancing” item on the balance sheet.
If the insurer were to pay all of its liabilities using its assets, the amount remaining would be policyholders’ surplus.
Surplus can be thought of as a cushion that can be drawn upon if liabilities are higher than expected.
Surplus represents the paid-in capital of investors plus retained income from insurance operations and investments over time.
The level of surplus is also an important determinant of the amount of new business that an insurance company can write.
3-Income and Expense Statement
The income and expense statement summarizes revenues received and expenses paid during a specified period of time .
Revenues are cash inflows that the company can claim as income. The two principal sources of revenues for an insurance company are premiums and investment income.
Earned premiums represent the portion of the premiums for which insurance protection has been provided .
Expenses Partially offsetting the company’s revenues were the company’s expenses, which are cash outflows from the business.
The major expenses for an Insurance Company:
Adjusting claims
Paying the insured losses
Underwriting
4-Measuring Profit or Loss
A simple measure that can be used is the insurance company’s loss ratio and expense ratio.
The loss ratio is the ratio of incurred losses and loss adjustment expenses to premiums earned .
Loss ratio= (Incurred losses+Loss adjustment expenses)/Premiums earned
The expense ratio is equal to the company’s underwriting expenses divided by written premiums .
Expense ratio=Underwriting expenses/Premiums written
5-Rate-Making Methods
Insurance underwriting
The document discusses the key objectives and process of underwriting in the insurance industry. It provides definitions of underwriting as examining and classifying risks to determine appropriate premiums. The objectives are outlined as providing equitable, profitable and deliverable insurance policies. Key aspects covered include risk factors considered, principles of utmost good faith and moral hazard, types of underwriters and their roles, and importance of sound underwriting. Rules for application forms and documentation requirements are also summarized.
Types of Insurance
This document provides an overview of the many different types of insurance. It lists and describes several major categories of insurance including life insurance, home insurance, property insurance, auto insurance, and health insurance. Within each category, it outlines specific types of insurance such as term life, whole life, and annuities for life insurance or fire, flood, and earthquake insurance for property insurance. The document serves as an exhaustive reference for the various risks that can be insured against.
Risk Management and Insurance
This module discusses risk management and insurance. It covers topics such as risks and risk management, different types of risks, methods of handling risks including avoiding, controlling, accepting and transferring risks. It also discusses the basic concepts of insurance including risk pooling, law of large numbers, requirements of insurable risks, advantages and disadvantages of insurance. Additionally, it covers personal risk management process, objectives of risk management pre-loss and post-loss, insurance market dynamics and underwriting cycle. Finally, it discusses some key legal principles of insurance contracts such as offer and acceptance, consideration, insurable interest, subrogation and utmost good faith.
Surrender Value in Life Insurance by Dr. Amitabh Mishra
Surrender value refers to the amount a policyholder will receive from an insurance company if they choose to terminate their life insurance policy before its maturity or insured event occurs. Surrender value applies to the savings and earnings portion of whole life insurance policies and is calculated based on the total premiums paid minus any applicable surrender charges. There are two types of surrender values - guaranteed surrender value, which is a minimum of 30% of premiums paid after 3 years; and special surrender value, which is calculated as the paid-up value plus bonuses multiplied by the surrender value factor, a percentage that increases each year. Surrender values aim to balance paying out policyholders while still allowing insurance companies to cover their obligations and expenses.
Introduction about insurance
This document provides an overview of different types of insurance. It defines insurance as an arrangement where a company or government agency provides compensation for specified losses in exchange for premium payments. It then discusses several types of insurance in more detail, including: life insurance, which reimburses for death or illness; general insurance, which covers non-life risks like property damage; fire insurance; health insurance; and marine insurance, which covers goods and freight during transport. For each type, it provides a brief definition and examples of what is covered. It also lists some general insurance companies.
Life insurance
The document discusses the key concepts and principles of life insurance. It covers the nature of life insurance as a long-term contract that provides financial protection to beneficiaries in the event of death. It also discusses the various types of life insurance policies based on duration, premium payments, participation in profits, number of lives covered, and payment of claims. Finally, it outlines some important aspects like assignment and nomination procedures, surrender and loan values, age and death proofs, and payment of claims.
Types of insurance
Any risk that can be quantified can potentially be insured. See the exhaustive lists of the many different types of insurance that exist.
Insurance
This document discusses insurance, including its definition, history in Nepal, types of insurance, and effects on daily life. It begins by defining insurance as a legal contract between three parties that distributes risks by having the insurer assume the risk of loss in exchange for premiums from the insured. The document then covers the historical development of insurance in Nepal starting in 2004, describes the main types of insurance like life, marine, fire, and miscellaneous, and explains how insurance works by sharing losses among many. It concludes by discussing the positive effects insurance has on families, business, employment, the economy, and society by providing compensation against losses and encouraging risk-taking.
Insurance And Risk
The document discusses the meaning and characteristics of insurance. It outlines some key points:
1. Insurance involves pooling losses from many individuals so average losses can be substituted for actual losses of a few. It provides payment for unexpected, accidental losses.
2. Risk is transferred from the insured to the insurer, who is in a stronger position to pay losses. Indemnification means restoring the insured to their pre-loss position.
3. For a risk to be insurable, losses must be measurable, large numbers must be exposed, losses cannot be catastrophic, and the chance of loss must be calculable so premiums can be affordable.
Chapter 5: Insurance Marketing
1-Insurance Marketing
AGENTS AND BROKERS
A successful sales force is the key to success in the financial services industry. Most insurance policies sold today are sold by agents and brokers.
Agents:An agent is someonewho legally represents the principal and has the authority to act on the principal’s behalf.
Brokers:A broker is someone who legally represents the insured even though he or she receives a commission from the insurer.
2-TYPES OF MARKETING SYSTEMS
Life Insurance Marketing
Distribution systems for the sale of life insurance have changed dramatically over time.
Major life insurance distribution systems:
Personal selling systems
Financial institution distribution systems
Direct response system
Other distribution systems
1-Personal Selling Systems:
2-Financial Institution Distribution Systems
3-Direct Response System
3-Property and Casualty Insurance Marketing
Independent agency system
Exclusive agency system
Direct writer
Direct response system
Multiple distribution systems
Insurance company in india
This document provides information about insurance and the insurance sector in India. It discusses that insurance involves compensation for potential future losses in exchange for periodic payments. It also outlines the objectives of insurance companies to provide protection and invest policyholder funds. The document summarizes the history and growth of the insurance sector in India, including the liberalization of the sector in 2000 that allowed private companies. It provides details on major life and non-life insurance companies in India.
Life insurance basics
The document provides an overview of life insurance basics, including defining life insurance as an agreement where the insurer promises to pay a sum to a beneficiary upon the policy owner's death in exchange for premium payments. It discusses the different types of life insurance policies including term, whole life, universal life and variable life, and how they differ in terms of coverage duration, premium structure, and cash value growth. The document also reviews important considerations for determining coverage needs and affordability, as well as how to name beneficiaries under a policy.
Legal aspects of insurance
This document discusses key legal principles related to insurance contracts. It covers the distribution of insurance contracts, characteristics of insurance contracts as legally binding agreements, and fundamental principles including indemnity, insurable interest, utmost good faith, and subrogation. The principles of indemnity and insurable interest help ensure the insured does not receive more compensation than their actual loss.
Six Principles of Insurance
The six principles of insurance are: 1) Utmost good faith, which requires full disclosure between the applicant and insurer; 2) Insurable interest, which requires the insured to have a stake in the insured property or subject; 3) Indemnity, which provides compensation up to but not exceeding the actual loss amount; 4) Proximate cause, which determines liability based on the original or primary cause of loss; 5) Subrogation, which allows the insurer to recover losses from responsible third parties; and 6) Contribution, which requires multiple insurers to share liability when more than one policy covers a loss. These principles represent the legal guidelines for insurance contracts and claims handling.
Insurance introduction
The document provides an introduction to various concepts in insurance including the life insurance contract, principles of insurance, utmost good faith, insurable interest, and different types of insurance policies like term insurance, whole life insurance, endowment policies, and annuities. It explains that a life insurance contract is a valid legal agreement between the insurer and insured where the insurer agrees to pay claims on the happening of an insured event in exchange for premiums paid by the insured.
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Underwriting in Insurance
The document discusses the process of insurance underwriting. Underwriting involves evaluating risks to determine whether to issue an insurance policy to an applicant. It aims to select applicants that will likely have claims below assumed losses to ensure a profit. The underwriter considers the applicant's exposure, pricing alternatives like modifying coverage, and monitors policies to maintain satisfactory results for the insurance company. Underwriting balances risks across policyholders and ensures adequate premiums are charged for expected losses.
Bond valuation
The document discusses various bond valuation concepts like coupon rate, current yield, spot interest rate, yield to maturity, yield to call, and realized yield. It provides examples to calculate these measures and explains how bond prices are determined based on factors like interest rates, time to maturity, and cash flows. Bond duration is introduced as a measure of interest rate risk exposure, and bond risks from default and changes in interest rates are explained.
Insurance And Risk Management
Risk management is the process of identifying, assessing and controlling threats to an organization's capital and earnings. These threats, or risks, could stem from a wide variety of sources, including financial uncertainty, legal liabilities, strategic management errors, accidents and natural disasters
Risks which are not capable of avoidance, prevention, reduction to a large extent or assumption may be transferred from one party to the other party. The basic objective of insurance is to transfer the risk of a person to the insurance company which has easily spread it over a large number of persons insuring similar risks. As such, for handling risks which involve large financial losses or which are dangerous, insurance is a means of shifting such risks in consideration of a nominal cost called premium.
5 uses for life insurance benefits
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
Chapter 6: FINANCIAL OPERATIONS OF I NSURERS
1-Liabilities: Loss Reserves
A loss reserve is the estimated cost of settling claims for losses that have already occurred but that have not been paid as of the valuation date . More specifically, the loss reserve is an estimated amount for (1) claims reported and adjusted but not yet paid, (2) claims reported and filed, but not yet adjusted, and (3) claims for losses incurred but not yet reported to the company .
Loss reserves in property and casualty insurance can be classified as case reserves, reserves based on the loss ratio method, and reserves for incurred but not reported claims.
2-Policyholders’ Surplus
Policyholders’ surplus is the difference between an insurance company’s assets and liabilities . It is not calculated directly—it is the “balancing” item on the balance sheet.
If the insurer were to pay all of its liabilities using its assets, the amount remaining would be policyholders’ surplus.
Surplus can be thought of as a cushion that can be drawn upon if liabilities are higher than expected.
Surplus represents the paid-in capital of investors plus retained income from insurance operations and investments over time.
The level of surplus is also an important determinant of the amount of new business that an insurance company can write.
3-Income and Expense Statement
The income and expense statement summarizes revenues received and expenses paid during a specified period of time .
Revenues are cash inflows that the company can claim as income. The two principal sources of revenues for an insurance company are premiums and investment income.
Earned premiums represent the portion of the premiums for which insurance protection has been provided .
Expenses Partially offsetting the company’s revenues were the company’s expenses, which are cash outflows from the business.
The major expenses for an Insurance Company:
Adjusting claims
Paying the insured losses
Underwriting
4-Measuring Profit or Loss
A simple measure that can be used is the insurance company’s loss ratio and expense ratio.
The loss ratio is the ratio of incurred losses and loss adjustment expenses to premiums earned .
Loss ratio= (Incurred losses+Loss adjustment expenses)/Premiums earned
The expense ratio is equal to the company’s underwriting expenses divided by written premiums .
Expense ratio=Underwriting expenses/Premiums written
5-Rate-Making Methods
Insurance underwriting
The document discusses the key objectives and process of underwriting in the insurance industry. It provides definitions of underwriting as examining and classifying risks to determine appropriate premiums. The objectives are outlined as providing equitable, profitable and deliverable insurance policies. Key aspects covered include risk factors considered, principles of utmost good faith and moral hazard, types of underwriters and their roles, and importance of sound underwriting. Rules for application forms and documentation requirements are also summarized.
Types of Insurance
This document provides an overview of the many different types of insurance. It lists and describes several major categories of insurance including life insurance, home insurance, property insurance, auto insurance, and health insurance. Within each category, it outlines specific types of insurance such as term life, whole life, and annuities for life insurance or fire, flood, and earthquake insurance for property insurance. The document serves as an exhaustive reference for the various risks that can be insured against.
Risk Management and Insurance
This module discusses risk management and insurance. It covers topics such as risks and risk management, different types of risks, methods of handling risks including avoiding, controlling, accepting and transferring risks. It also discusses the basic concepts of insurance including risk pooling, law of large numbers, requirements of insurable risks, advantages and disadvantages of insurance. Additionally, it covers personal risk management process, objectives of risk management pre-loss and post-loss, insurance market dynamics and underwriting cycle. Finally, it discusses some key legal principles of insurance contracts such as offer and acceptance, consideration, insurable interest, subrogation and utmost good faith.
Surrender Value in Life Insurance by Dr. Amitabh Mishra
Surrender value refers to the amount a policyholder will receive from an insurance company if they choose to terminate their life insurance policy before its maturity or insured event occurs. Surrender value applies to the savings and earnings portion of whole life insurance policies and is calculated based on the total premiums paid minus any applicable surrender charges. There are two types of surrender values - guaranteed surrender value, which is a minimum of 30% of premiums paid after 3 years; and special surrender value, which is calculated as the paid-up value plus bonuses multiplied by the surrender value factor, a percentage that increases each year. Surrender values aim to balance paying out policyholders while still allowing insurance companies to cover their obligations and expenses.
Introduction about insurance
This document provides an overview of different types of insurance. It defines insurance as an arrangement where a company or government agency provides compensation for specified losses in exchange for premium payments. It then discusses several types of insurance in more detail, including: life insurance, which reimburses for death or illness; general insurance, which covers non-life risks like property damage; fire insurance; health insurance; and marine insurance, which covers goods and freight during transport. For each type, it provides a brief definition and examples of what is covered. It also lists some general insurance companies.
Life insurance
The document discusses the key concepts and principles of life insurance. It covers the nature of life insurance as a long-term contract that provides financial protection to beneficiaries in the event of death. It also discusses the various types of life insurance policies based on duration, premium payments, participation in profits, number of lives covered, and payment of claims. Finally, it outlines some important aspects like assignment and nomination procedures, surrender and loan values, age and death proofs, and payment of claims.
Types of insurance
Any risk that can be quantified can potentially be insured. See the exhaustive lists of the many different types of insurance that exist.
Insurance
This document discusses insurance, including its definition, history in Nepal, types of insurance, and effects on daily life. It begins by defining insurance as a legal contract between three parties that distributes risks by having the insurer assume the risk of loss in exchange for premiums from the insured. The document then covers the historical development of insurance in Nepal starting in 2004, describes the main types of insurance like life, marine, fire, and miscellaneous, and explains how insurance works by sharing losses among many. It concludes by discussing the positive effects insurance has on families, business, employment, the economy, and society by providing compensation against losses and encouraging risk-taking.
Insurance And Risk
The document discusses the meaning and characteristics of insurance. It outlines some key points:
1. Insurance involves pooling losses from many individuals so average losses can be substituted for actual losses of a few. It provides payment for unexpected, accidental losses.
2. Risk is transferred from the insured to the insurer, who is in a stronger position to pay losses. Indemnification means restoring the insured to their pre-loss position.
3. For a risk to be insurable, losses must be measurable, large numbers must be exposed, losses cannot be catastrophic, and the chance of loss must be calculable so premiums can be affordable.
Chapter 5: Insurance Marketing
1-Insurance Marketing
AGENTS AND BROKERS
A successful sales force is the key to success in the financial services industry. Most insurance policies sold today are sold by agents and brokers.
Agents:An agent is someonewho legally represents the principal and has the authority to act on the principal’s behalf.
Brokers:A broker is someone who legally represents the insured even though he or she receives a commission from the insurer.
2-TYPES OF MARKETING SYSTEMS
Life Insurance Marketing
Distribution systems for the sale of life insurance have changed dramatically over time.
Major life insurance distribution systems:
Personal selling systems
Financial institution distribution systems
Direct response system
Other distribution systems
1-Personal Selling Systems:
2-Financial Institution Distribution Systems
3-Direct Response System
3-Property and Casualty Insurance Marketing
Independent agency system
Exclusive agency system
Direct writer
Direct response system
Multiple distribution systems
Insurance company in india
This document provides information about insurance and the insurance sector in India. It discusses that insurance involves compensation for potential future losses in exchange for periodic payments. It also outlines the objectives of insurance companies to provide protection and invest policyholder funds. The document summarizes the history and growth of the insurance sector in India, including the liberalization of the sector in 2000 that allowed private companies. It provides details on major life and non-life insurance companies in India.
Life insurance basics
The document provides an overview of life insurance basics, including defining life insurance as an agreement where the insurer promises to pay a sum to a beneficiary upon the policy owner's death in exchange for premium payments. It discusses the different types of life insurance policies including term, whole life, universal life and variable life, and how they differ in terms of coverage duration, premium structure, and cash value growth. The document also reviews important considerations for determining coverage needs and affordability, as well as how to name beneficiaries under a policy.
Legal aspects of insurance
This document discusses key legal principles related to insurance contracts. It covers the distribution of insurance contracts, characteristics of insurance contracts as legally binding agreements, and fundamental principles including indemnity, insurable interest, utmost good faith, and subrogation. The principles of indemnity and insurable interest help ensure the insured does not receive more compensation than their actual loss.
Six Principles of Insurance
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Insurance introduction
The document provides an introduction to various concepts in insurance including the life insurance contract, principles of insurance, utmost good faith, insurable interest, and different types of insurance policies like term insurance, whole life insurance, endowment policies, and annuities. It explains that a life insurance contract is a valid legal agreement between the insurer and insured where the insurer agrees to pay claims on the happening of an insured event in exchange for premiums paid by the insured.
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Location-based M2M opportunities exist across many industries and sectors. The M2M market is fragmented with no single leader, consisting of hardware vendors, network service providers, and value-added service companies connecting machines via various wireless and wired technologies. M2M devices are projected to grow rapidly, exceeding 600 million devices by 2015 and generating $24 billion in annual service revenues as they enable automated monitoring and data collection for complex systems. Mobile internet devices like netbooks and smartphones will also be a major driver of increased internet traffic in the coming years.
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Power Hour: 50 Actionable SEO Tips & Tricks
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Research proposal anemia
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Query Management System- overview
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The board meeting of the [NAME OF ASSOCIATION] was called to order at 7:00 p.m. on [DATE]. Minutes from the previous meeting were approved, and treasurer, management, and attorney reports were presented. The board voted against resurfacing the pool for $26,000 but voted to amend association rules to restrict leasing and accept a landscaping contract. The meeting adjourned at 8:30 p.m.
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Standard Disability
The document provides information on individual disability income insurance products from The Standard. It describes The Protector+ policy which offers benefits such as guaranteed renewable coverage to age 66/67, a definition of total disability, waiver of premium if disabled, and optional riders for additional coverage like cost of living increases or a noncancelable option. It also briefly outlines a similar individual policy called The Protector.
Child plan SIDDANNA M BALAPGOL
The document describes Reliance Child Plan, a life insurance product that allows parents to save systematically for their child's future needs. Key features include risk protection for the policyholder, accumulated bonuses payable at maturity, guaranteed fixed benefits payable annually during the last four years, and waiver of future premiums upon the policyholder's death. The plan offers options to add riders for accidental death, critical illness coverage, and a family income benefit. Premium amounts vary based on the sum assured, policy term, and policyholder's age. The plan aims to give parents financial security for their child's future needs while allowing them to enjoy the present.
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This document provides an overview of life insurance, including how much coverage is needed, the different types of policies, taxation of life insurance benefits, and additional benefits that may be available. It discusses term life insurance, whole life insurance, universal life insurance, and cash value life insurance. The summary highlights the key factors to consider when determining how much coverage and what type of policy best fits an individual's needs and objectives.
Lic policies for handicaped children
This document provides information on LIC policies for parents with handicapped children. It summarizes two LIC policies - Jeevan Adhar and Jeevan Vishwas.
Jeevan Adhar provides life insurance cover for the purchaser (parent) throughout their lifetime. Benefits are meant for the handicapped dependent and include a lump sum payment and annuity. Jeevan Vishwas is an endowment plan where sums assured plus bonuses are used to provide the dependent an annuity or lump sum upon the policyholder's death or maturity. Both policies require dependents to meet section 80DDA conditions and provide tax benefits to parents.
Important life insurance riders to consider
Riders are essentially additional benefits added to an insurance policy that often require an additional premium payment. In this way, riders can customize a life insurance policy to address specific needs or concerns. Here are the most important life insurance riders to consider.
Kfs life insurance
This document provides an overview and comparison of different types of life insurance policies, including term life insurance, whole life insurance, universal life insurance, and indexed universal life insurance. It discusses features such as premium amounts, death benefit amounts, cash value accumulation, and guarantees for each type of policy. The document aims to help readers understand life insurance and choose the most appropriate policy based on their needs and objectives.
Insurance and Risk Management
The document provides an overview of accident, livestock, and cattle insurance. It defines accident insurance and describes its key types including death and dismemberment insurance, general accident insurance, and disability insurance. It discusses the features, benefits, and importance of accident insurance. It also defines livestock insurance and cattle insurance, discussing their importance and principles. The document describes the claims and settlement processes for accident, livestock, and cattle insurance policies.
Lic's jeevan rakshak plan
Lic's jeevan rakshak plan, a combination of protection and savings. know it's benefits and eligibility in brief.
Dynamax Whole Life
This document describes the Dynamax whole life insurance policy from Transamerica Premier Life Insurance Company. It offers permanent life insurance protection, cash value accumulation, and guarantees. Some key features include a guaranteed level death benefit and premium, tax-free death benefits, and tax-deferred cash value growth. It also lists various rider options like waiver of premium, children's term, and accidental death benefits. The document promotes relying on Transamerica for over a century of financial strength and customer dependability.
Pension Plan
Planning for the old age when the ability to earn diminishes while the expenses to live a dignified and healthy life start rising is of utmost importance.
Mortgage Protection Americo
1) The document discusses two mortgage life insurance products - Home Mortgage Series and LifeTerm Series - that provide coverage for death, disability, critical illness, and involuntary unemployment to help protect families and pay off mortgages if something were to happen to the homeowner.
2) It provides statistics on the likelihood of death or disability before paying off a 30-year mortgage to demonstrate the need for this type of coverage.
3) Optional riders can provide additional benefits like waiving premiums if the homeowner becomes disabled or involuntarily unemployed, or returning all premiums paid if coverage is never used.
Does Term Life Insurance cover disability?
Just because you have term life insurance, it doesn’t mean that your life insurance coverage is going to cover everything.
Does your term life policy cover disability? Let's see.
SBI Life Unit Plus III Pension
This document discusses the SBI Life Unit Plus III Pension plan. The plan offers pension benefits without life cover and pays out on death, critical illness, or total permanent disability. It provides guaranteed additions, lower charges, and varied fund options. Customers can customize their plan with additional rider benefits like critical illness coverage and an income sustainer benefit. The plan targets customers looking to plan for retirement through a cost-effective investment that offers growth opportunities and flexibility.
Know About Lic Limited Premium Endowment Plan
LIC offers a wide range of insurance products to suit the diversified need and demand of the customers, and one such popular product of this company is LIC Limited Premium Endowment Plan.
Life Insurance Basics 3
The document provides an overview of various life insurance policy provisions and options. It discusses topics like assignment of policies, grace periods, contestability periods, reinstatement clauses, beneficiary designations, cash surrender values, policy loans, policy riders, participating policies, settlement options, and more. The level of detail in the document is intended to educate insurance agents on the ins and outs of life insurance policies so they can effectively communicate options to clients.
Being indian not a prerequisite to buy health insurance in india
- The document discusses various questions about health, motor, and personal accident insurance policies in India.
- It explains that Indian citizenship is not required to purchase health insurance in India. Foreign citizens can buy coverage.
- For vintage car insurance, the insured and insurer jointly determine the agreed value. Only cars made before 1940 certified by the Vintage and Classic Car Club of India qualify.
- Making frequent small claims for repairs is not recommended as it increases premium costs and risks loss of no-claim bonus. It's better to weigh the costs and benefits of each claim.
- A personal accident policy provides broader coverage than health insurance, including fixed payouts for accidental death and permanent disability.
Life insurance
Life Insurance is a form of risk management primarily used to transfer the risk of uncertain loss.
It provides compensation for financial loss only not profit.
Life insurance is a protection against the RISK of financial loss that would result from the premature death of an insured. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. The death benefit is paid by a life insurer in consideration of premium payments made by the insured.
Jeevan rakshak
LIC's Jeevan Rakshak Plan is a participating non-linked plan which offers a combination of protection and savings. This plan provides financial support for the family in case of unfortunate death of the policyholder any time before maturity and a lump sum amount at the time of maturity for the surviving policyholder. This plan also takes care of liquidity needs through its loan facility.
17 Invest Gain
The document discusses an endowment plan called InvestGain that provides life insurance protection and savings for various future financial goals. It has 4 plan options with increasing death benefits and offers low cost riders for additional accident and critical illness coverage. The plan allows paying premiums for a limited period and provides benefits like family income in case of death or disability. Examples illustrate how the riders enhance the basic policy's coverage.
ICICI_Pru_iProtect_Return_of_Premium_Brochure.pdf
The document describes an insurance plan that offers several options:
1. Return of Premium: Provides life coverage and returns all premiums paid at maturity.
2. Income Benefit: Provides life coverage and monthly income payments starting at age 60.
3. Return of Premium with Life-stage cover: Provides adjustable life coverage based on life stage and returns all premiums paid at maturity.
4. Early return of Premium with Life-stage cover: Similar to 3 but returns all premiums earlier, at age 60 or 70.
The plan allows customization of coverage amounts, benefit options, and return of premium timing. It provides life insurance protection as well as premium returns.
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Being indian not a prerequisite to buy health insurance in india
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3:国家专业人才认证中心颁发入库证书
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6:个人职称评审加20分
7:个人信誉贷款加10分
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5 Tips for Creating Standard Financial Reports
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专业服务，请勿犹豫联系我
如果您真实毕业回国，对于学历认证无从下手，请联系我，我们免费帮您递交
诚招代理：本公司诚聘当地代理人员，如果你有业余时间，或者你有同学朋友需要，有兴趣就请联系我
你赢我赢，共创双赢
你做代理，可以帮助伯明翰大学同学朋友
你做代理，可以拯救伯明翰大学失足青年
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Life Insurance Riders
- 1. Life Insurance Riders: Are they beneficial?
- 2. You can choose to add some extra benefits to your basic life insurance cover in your insurance policy, by paying additional premium. These additional benefits are called insurance riders.
- 3. Generally, the extra premium for the riders is relatively low, since the extra premium goes towards covering the risk mentioned in the rider and not to savings. The riders do not change the basic life insurance plan and the nominees of the insured will get that additional Sum Assured in the event of an unfortunate death of the Life Assured.
- 4. Are life insurance riders beneficial for you? It depends on your personal situation as well as your other insurance policies. Let’s read on…
- 5. Types of riders we will cover… Permanent & Partial Disability Rider Waiver or Premium Rider Critical Illness Rider Accidental Death Rider Guaranteed Insurability Rider
- 6. Permanent & Partial Disability Rider With this rider, you will get a certain percentage of the sum assured on a regular basis, if you become permanently or temporarily disabled due to an accident and can’t work.
- 7. Waiver of Premium Rider With this rider, you don’t need to pay the premium if you become totally disabled due to injury or illness and can't work. This rider can be particularly beneficial when the premium amount is quite high and helps prevent the policy from lapsing if you are unable to pay the premium due to a disability.
- 8. Critical Illness Rider This rider protects you in the event of a critical illness. This rider pays out a lumpsum amount if the insured is diagnosed with any one of the illness specified in the policy. Generally, the extra cover is equal to the sum assured on the base policy and is paid upon diagnosis of the illness.
- 9. Accidental Death Rider With this rider the insured gets an extra amount, in addition to the sum assured, if an accident results in the death of the insured. This is applicable ONLY if the cause of death is an accident. However, if the sum assured in the basic policy is adequate for the needs of the family of the insured, then the insured need not buy this rider.
- 10. Guaranteed Insurability Rider This rider allows the insured to buy additional life insurance coverage at a later date without the need for further medical examination or without providing any evidence about insurability.
- 11. The usefulness of these Riders will depend on your personal situation as well as your other insurance policies, such as an Accidental Insurance Policy, Health Policy, Critical Illness Policy, etc. Remember, riders come at a cost. So ask yourself or consult a financial adviser if you really need the rider. Do you really need a Rider ??
- 12. Tax Benefits of Riders Riders (other than Critical Illness & Waiver of Premium riders), get tax benefits under Section 80C of the Income Tax Act on premium contribution of up to Rs 1.50 lac per year
- 13. Additionally, the premium paid for the Critical Illness Rider and the Waiver Of Premium Rider qualifies for deduction from the taxable income under Section 80D of the Income Tax Act up to the limit of Rs 15,000 (Rs 20,000 for Senior Citizens).
- 14. Now that you know the useful Riders available, you may consider adding these to your new life insurance policy. Riders like Permanent or Partial disability and Accidental Death are useful at almost any age. Whereas Critical Illness, Waiver of Premium and Guaranteed Insurability riders are more useful as the insured approaches the middle age.
- 15. Happy Investing! Contact Us Now Call: (033) 4000 6800 WhatsApp: (0) 98362-68941 Email: support@easternfin.com