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Showing posts with the label agents and marketers

Early anticipation Deplorable

What would happen if six months from now you are diagnosed with cancer, but you do not have the health insurance coverage at all? Let your imagine for a moment. When you do the annual check-ups, for example, the doctor delivered the results that you are developing cancer at an early stage.

Gradation of this type of disease may still be treated with intensive but you need a big expense. When you do not equip yourself with a health insurance policy, the cost of care that should be your own can cost up to hundreds of millions of dollars for this type of disease. Related to such conditions, there are two essential questions that you need to ponder.

First, if you can accommodate those costs without any difficulties? Second, if you can pay huge medical expenses without having to borrow or cash assets you have? If the answer to both question is "no", you actually need a health insurance policy that can protects you in a comprehensive manner.

The next recollection, what will happen to …

Assurance on the safety of passengers on the plane

Laws require the insurance carrier to cover up responsibility of the passenger;

1. responsibility on the safety of passengers:
a. at the time of a plane.
b. while in the plane.
c. down at the time of the plane.

provided that passenger have valid tickets issued by the shipper and the insurance premiums every passenger referred to in the ticket.

2. the responsibility on the safety of passenger baggage (lost, damaged, burned, and so forth) except in the luggage to carry their own in the cabin, as long as the losses according to law the responsibility of the shipper.

Assurance on the safety of passengers and passenger baggage is closed by its insurance carrier to insurance companies engaged in insurance losses.

If experience in the transportation (at the airport and in flight), the insurer gave Compensation payment:

1. Cost of care and treatment to recover for passengers who suffer injury (no permanent disability)

2. Cost of care and treatment and to recover the amount of compensation payment for d…

Factor in the selection of insurance

Underwriter of group life insurance companies will conduct research in parallel to the factors involved. Research conducted to determine the insurance program and the Insured that a request submitted by the closing of the collection of insurance.

Selection of Eight Risk Factors

In principle, there are eight important factors that will be examined by life insurance companies to evaluate the issue life insurance policies for one group, namely 1) the existence of the background of the group, 2) type and the types of groups, 3) stability, 4) the amount of the number of participants, 5) the type of business, 6) level of participation in the program, 7) age, and 8) gender.

First, the background presence of the group. Generally, life insurance companies under insurance policy was issued for the group if the group is formed solely or established with the aim to cover the needs of life insurance for members in it.

This corresponds to a drift that occurred (based on experience in some countries) t…