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Showing posts with label Insurance. Show all posts
Showing posts with label Insurance. Show all posts

Wednesday, July 10, 2019

Investment is Risky, what does “Risk” mean?

Insurance ,
Investment is Risky, what does “Risk” mean?


(i) Interest rate risk

(1)interest Rete Risk under the influence Of national economy, national Macro =economy. National Monetary policy. Fiscal policy And other factors. The market interest rate leval has the the possibility of fluctuation, since Most products are in the from of fixed interest Rates. The yield of the product will not increase with the market interest rate when the market interest rate rises during the product’s existence.


(ii) Policy risks

Products in the actual operation of the process, such as the national macro-policy, regulatory policies, relevant laws and regulations change, may affect the normal operation of products and honour.

Products in the actual operation the process. Such as the national Macro - policy. Regulatory policies, relevant laws and regulations Change. May affect the normal operation of products And honour

(iii) Reimbursement of risks

During the product lifetime. Many 
Uncontrollable factors.such as Macro =
Fconomic situation, financial policy And 
Market environment. May change 
Continuously, Which may adversely affect the 
Operation and financial situation of the 
Borrower. So that the borrower cannot pay the 
Principal And interest of the product oN time 
AND in full,

(iv) Risk of implementation of safeguard measures

Although the product is listed. The borrower has 
Already arranged the repayment safeguard 
Measure according to the reality situation to control and reduce the present period product the
Rick of payment. Dut during the product’s lifetime 
May decause the market, the policy. The alw and Regulations change and So no the proposed
Repayment safeguard measure not to carry out 
Completely, then affects the investor 's interest,

(v) Credit risk

In recent years. The borrower has Not had any 
Serious breach of contract With the bank or Major
Customers, In the future business operation. The
Borrower Will uphold the principle of integrity 
Management, strict implementation of the Contract agreement or commitment signed.

However, during the duration of the product, if 
There is a significant adverse change in the 
Borrower 's condition due to the Rich or 
Uncontrollable factors of borrower itself, the 
Borrower may not be able to repay the loan or 
Perform the business contract With the customer, 
WHICH will result in the deterioration of the credit 
Status of the borrower, thereby affecting the product’s honour, 

(vi) The risk of force majeure and unforeseen events


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Friday, July 5, 2019

everything young Drivers should know about car insurance

Insurance ,
everything young Drivers should know about car insurance

*having passed your Driving test And picked out A car.
You are ready to get oN the Road, however. You Also have to deal with car insurance. this type of insurance provides coverage to Yourself, your car 'your belongings and other third parties on the road, lt is usually a mandatory *
Requirement. Which may attract penalties. Heavy fines and possible jail time or community service, you could
Even have your license suspended and de rendered unable to drive

"Ln case of an accident car insurance will mitigate
The high cost of injury and damage, lt can help you get dack on your feet as well as get your car back in good condition these are a faw Things young drivers should
Know about car insurance,

:even if you do not drive your car A lot. You may
Need car insurance, lt is no longer a mandatory requirement across all states but it can be a great way to
Reduce the risk of damage or loss without severely impacting. You financial stability, with the right car insurance package, could heve your car and any damage caused during an accident fixe quickly, you need car insurance to protect you from liability, injury and possible jail time
::You don’t need the full package

Car insurance is very expensive for Young drivers. 
Due to their small payment history and relative Inexperience at the wheel, when you are taking up car insurance for the first time. You should look  through different policies to find one with. Lower costs that still offers comprehensive coverage for and risks you may face, lf you are unable to afford high premiums. You could negotiate a preferred risk insurance coverage to help you address risks You feel are the most pertinent to you,
You can get by wiyh the minimum state requirement. Allowing you to adsolve you rself of and liability in the event of an accident and fild a way to Meet any expenses that May arise.? 
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Wednesday, July 3, 2019

Small businesses and health insurance

Insurance ,
Small businesses and health insurance
* small  dusinessess hould De Very careful when it comes to choosing health insurances. This is because health insurance is something which is more complicated, expensive and even very sensitive as well. In some cases, if Not chosen properly, Many things cAn Go wrong. So. being a a small business, it is very important to Choose a Perfect insurance, 

Each and every small business aims to grow 

And for that small business health insurance 
Is very much needed this helps insurers in
Attracting as Well as retaining dest employees Along with this..it can also help in increasing the productivity along With 
Keeping each and every one healthy, Best part 
Of this health insurances is it can save a lot in terms Of deductions and tax credit, there are 
Many potions When it comes to health insurances. Among TheM let, s consider few of them

"Solo Entrepreneurs:

In case if the small business owner is a consultant, freelancer, or any solo proprietor, in this case he must go for individual health insurance. There are plenty of health insurance providers in the market and small business can take help from them. It is very important to do some research and pick the right one.
Being an individual there will be needs which are related to health and those must be satisfied. It is important to keep in mind certain things when choosing insurance and they are, 

  • lf there are any prescription medicines, these needs to de considered 
  • lt is also very important to.mention the family and personal medical history 
  • Along With these medical practitioner hadits
  • Must also de mentioned,
  • Most of the small businesses always grow with the healthcare groups which are considerably small. So, there will be risks which usually spread out among the employees and employers. This is the reason in most of the cases, most of the regions, a group of 2 or more will only get eligible for the small group health insurance. There are states, which even allow a group with one employee when it comes to qualifying for small business health insurance plan. This is very useful if the person is suffering from some kind of chronic condition because it is difficult for him to get individual health insurance. This is the reason, it is very important that one must always check for state’s requirements for small business health insurance and then decide

  • SHOP or Small Business Health Options Progra
  • shop. Is an insurancea plan Which is part of
  • Affordable caret Act, there Will de shop marketplace for each state and sometimes its own or it May also exist With the help of federal government, through this it is possible to Search learn and chose the right healthcare plans Which is suitable for Your business. 

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THINGS TO KEEP IN MIND BEFORE TAKING LIFE INSURANCE

Insurance ,
THINGS TO KEEP IN MIND BEFORE TAKING LIFE INSURANCE
*Insurance is a protection that the insurer gives to the insured in time of any unexpected loss or damage. In expectation of the receipt of the same, the insured pays a certain amount as premium. While there are various kinds of Insurances available for the customers to choose from, the kind of Insurance one has to choose, depends on individual requirements. Among these.Life Insurance is something which becomes inevitable for any person, considering the uncertainties of life. Supposing the worst may happen, concrete planning of your finances and the people that it has to be shared to have to be defined well beforehand. Taking certain aspects into account before taking a policy:for yourself will give you maximum benefits while ensuring a safe and secure future for the dependants.
:The purpose of the policy:
Before taking the policy, hold on and see what other aspects you need to think about apart from giving financial coverage. What are the policies and premiums like? Who is going to benefit from your policy:Your life partner, your children, your friend and whether you want the amount to be compensated in a lump sum or as fixed installments will only make you better insured.

Get an idea of the details to be provided:
Each person’s insurance needs are different. The responsibility one needs to discharge decides this. If you want to get covered for more amounts, you need to be prepared for paying higher amounts of premium.You cannot insure for lesser amounts than your family needsIf you want to insure for a specific period for your spouse or enough amount for your children’s higher education, then looking for a policy that will mature by the time they need the money will be a good option.Rather than picking up a random number, it is better to have a fixed idea on the amount to be insured.
The cover needed:
The details to be given depend on every company’s requirements. Not all insurers need all the details. Some companies ask for your medical reports to get a track of your medical condition and work on premiums accordingly. Others limit their inquiry with some questions face to face or online. If you have got any medical condition which is not acceptable for any Insurer, then look for others who can offer you a policy without a mention of the same. But make sure other related aspects of the policy work out the best for you.
Check if your employer provides Insurance policy:
Life is not the same always. It might take drastic move with the change of events like you might get married, have kids, change employment, remain jobless, purchase or sell properties. Your priorities change with all or any of these changes in life which will have a great impact on your Insurance requirements.so, it, is, better. Tocheck with Your, lNSUREr, Whether it Is. POSSIBLE TO CHANGE YOUR POLICY LETER, 

Ask your insurer if you can change your policy:

If you are in a high cadre or premium post in your organization, there are greater chances of getting insurancePOLICY from your company as a perk of the job. This is to ensure that your organization protects itself from missing a potential employee.cheek.with your organization’s,hr department whether you are eligible for such policy and if so the terms and conditions of the Policy.This might sometimes serve sufficient for your requirements, or you may need a lesser policy than you might have thought of.
See if you can make larger premiums:
It is not always possible to discharge premium amounts on time. Thinking in this perspective, you can make large payments when you are in the peak of your career which can liberalize your finances in a later stage.

Ask your insurer if there is suCh optioN available With them aS Most of the iNsurers provide tHis as this Could be A feasible Option When You are Not in a Position To finaNce yoUrsdlf WELL, 

Worry not if you are not able to make a decision yourself 
Modern insurance companies provide you 
With all tha details of policies. and you will find financial advisors serving customers in 
avery possible means moreover. you can find a lot of information online to educate, 
Yourself Well About Various Kinds of policies, 



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