what is force maejaure clause? what is AMC and why its taken? How much should be insurance percentage of inv?
447724
Force maejaure clause in any agreement ( especially in insurance agreements) means that the agreement does NOT cover circumstances, happenings  & resultant damages due to the such circumstances which are not man made but are natural causes or happen due to God's wish e.g earthquakes, floods, Tsunami etc. etc.\n\nAMC means Annual maintenance Contract & is taken to keep any equipment in working order.\n\nPercentage of Insurance vis-a-vis investment 0.5%
809887
Great question. \n\nIn regards to insurance, the commission is set by the insurance company, not the broker dealer. The broker has no control over this.\n\nFor stocks, the broker has full control over what they charge you. Even full service brokers can cut their commission as they see fit.\n\nWith bonds, it's a different story. Some broker / dealers set a limit to the amount a broker can make on a bond. For example, a firm may set the max commission on a 10 year corporate bond at 1 point, or 100.00 per 10,000.00.  Other broker dealers allow the broker to set the commission, usually no more than 2.5%. Realize, the more you pay in commission on a bond, the less the bond will yeild.\n\nAs for mutual funds, the commission is set by the mutual fund company, not the broker dealer. The exception being in what is known as a "Wrap Fee" account where a percentage is charged on an annual basis as opposed to a set commission. In this case, the broker does set the commission...usually no more than 3% annually.\n\nHope this helps. If you have any more questions, check out\nhttp://www.advancedwealthsolutions.com\n\n< peace >
424280
yup.  what do you want to know?  are we talking P&C or Life and Health?\n\nMy P&C was primarily based on General Commerical Liability.  Know your stuff, and I mean everything, before you take the exam.  Don't listen to the teachers who say that they know the percentages.  Mine was nothing close to what I studied, in terms of the percentages. Glad I was interested in General Commercial or I would have failed miserably.
309394
Well you should definelty have GL and probably Cargo... i know the insurance we write has a $7,500 ded. for pharmaceuticals.  Also you might as well just go for the whole package policy meaning you get coverage for GL, Crime, Cargo, and property.
470048
I had to go shopping for health insurance recently and got a lot of quotes with all kinds of options. Private pay - like what your asking. If your not over 40, healthy, don't smoke or have any special needs, then our situations are similar and I can tell you what I was impressed with. Out of 8 bids from various national company's; The two best were Mutual of Omaha and American Family. MofO was very impressive with coverage, additional free benefits and low cost riders like glasses and dental. American family was the same with an added benefit of a high yield health savings account that can be used as a tax deduction. Both had low deductables with free well care or low co pay well care, and were well under 200 a month not including riders. Good luck.
688066
Bank when take guarantee take standard guarantees which is joint and several guarantee. So they must be legally on firm ground to do that. They have filed the case since for getting amount appropriated against loan. I would suggest that tell court that you are fine with paying out loan and bargain for simple interest instead of compound interest. This will save you from all legal costs and waste of time.
111683
Not sure what the law is, however here is a great web site.\n\nhttp://www.armedicalboard.org\n\nThis is the state's licensing agency and they provide a LOT of information.
568520
listen, as long as your don't have a lapse in coverage, NO INSURANCE COMPANY CAN USE THE PRE EXISTING CLAUSE CONDITION ON  YOU... so make sure to extend that cobra just a little longer if needed... other wise they can only use the pre existing for one year.... Good luck.
601363
In many life insurance companies, no one is covered if the owner of the policy commit suicide. Some companies have a suicide clause where you are covered for a certain amount of time when you commit suicide. For a beneficiary to claim life insurance proceeds, a proof of death is required.\n\nRemember, if you are choosing term, you want to choose the maximum length available like 30 years. And also, you want to invest in mutual funds at the same time (you should put away $100/month into it if you understand the Dollar Cost Averaging concept).
1042838
Health insurers are in a really tough business these days.  They face significant and unpredictable liability costs, huge amount of regulations at both the State and Fed level.  \n\nIn your place, I would stay away from investing in such companies.  You'd be a lot better off investing in an index mutual fund. \n\nIf you need clarification, contact me through "Answer" and I will edit my response.
89965
I don't quite understand the question.  Are you asking how to defend yourself against the lawsuit?  Your insurance company should be hiring a lawyer to represent you.
608767
If replacing the car was required on all policies insurance would be a lot more expensive.  As is the law requires us to protect innocent 3rd parties (so if a driver hits a 8 yr old the injured kid will get some money torwards his medical bills), but allows us to decide if we want to pay extra to insure our vehicles for comprehensive and collision or not.  Personally I'd be p'd off if the government made it mandatory that I had to pay extra premium to insure my car for full replacement cost whether I wanted to or not.\n\nWhile a lot of carriers don't offer full replacement cost, most do offer gap insurance when you buy a brand new car - this will pay the difference between the ACV (Actual Cash Value) of your vehicle and the amount that you owe the lienholder.  You can also buy this at the dealership when you buy the car but check with your agent first to determine which route is cheaper.\n\nWhen your car is paid off if you continue to carry comprehensive and collision coverage you will be paid the ACV of the vehicle.  Even a 1980 Pinto will get you some money back.  To determine the ACV of your car you should look it up on bluebook (www.kbb.com) while the insurance company will make a big deal about how that is not what they use to determine it the two numbers are usually similar - you can then decide if it's worth the premium.\n\nIf you feel like you're an awesome driver and will never cause an accident insure your vehicle for just comprehensive (theft, weather damage, fire) and drop collision.  Make sure your policy has Uninsured and Underinsured Property Damage and if the BAD driver in your question has no insurance your company will still pay the ACV of your car.\n\nSix months is not long enough to gauge a person's driving record - insurance companies typically look at 3-5 years.  If you are accident and ticket free during that time they will usually offer you a lower rate.  You should also shop around every so often to make sure you're getting the best deal.\n\nI think I've covered all your points - sorry if I left one out and I hope this helps.
774788
Saket Enterprises was established in 1991. Ever since we have been rendering following services in the National Capital Region:-\n» Life Insurance (LIC).\n» General Insurance (All components of general insurance including motor, household, marine, fire, burglary, indemnity, and overseas travel insurance).\n» Investments in Mutual Funds & Company Deposits.\n» Valuation of Immovable Property ( We are Govt. Regd. Valuers).\n\nMutual Funds\n\nUTIOther Agencies\nIn respect of overseas travel insurance we are rendering services to our clients world wide.\nSaket Enterprises\n\n\nOur Services\nWe offer a wide range of general insurance services, mututal funds investments and property valuation. Our range of services includes\n\n    * Life Insurance (LIC)\n          o General Insurance\n          o Overseas Travel Insurance\n    * Mutual Funds\n    * Valuation Of Immovable Property\n\nWhat is Insurance?\nA promise of reimbursement in case of loss. In other words, a contract between the parties, in which one party agrees to compensate another party for any kind of losses or damages caused by risks identified in the contract in exchange for the payment of a lump sum amount or periodic amounts of money to the first party.\n\nAn individual contract is known as an insurance policy, and the periodic payment is known as an insurance premium.\n\nAs we all know that Life is unpredictable and the present scenario depicts that our city is unsafe due to some or the other upcoming problems. So it is advisable to protect ourselves from future losses. As it is truly said, "Prevention is better than cure". So everyone should make sure that they get their things insured by insurance companies through the agents to protect themselves from any kind of future losses or damages.\n\nFor example, individuals having their own houses take an insurance policy of home known as homeowner's insurance policy which provides reimbursement if the owner suffers a loss due to fire or other number of causes. So it is a protection from future loss!\n\nThere are quite a lot of insurance's today like Car, Home, Life and property too. Saket Enterprises is a well-known agent of various types of Insurance's. Some of the Insurance's in which it deals are:\n\nThe company deals in Overseas Mediclaim Insurance and it is well recognized as Government registered valuers of Immovable property.\n\n\nContact Us or Send Online Query\nSaket Enterprises\nMr. Indar Chaudhry\nAddress :B-6, Golf View Apartment, Saket\nNew Delhi-110 017, India\nTel :+(91)-(11)-26851495/65090168\nFax :+(91)-(11)-41671495\nEmail : indarchaudhry@gmail.com\n\n\n:: Services ::\n\nInsurance || Mutual Funds || Valuation of Immovable Property\n\nProfile | Conclusion | Query | Email\n\n\n\n\n\n\n\n\n\n\n\n\n\nProfile:\nEstablished in 1991, Saket Enterprises is a professionally successful company managed by Brig. I.M. Chaudhry (Retd.) and his wife Mrs. Sandesh Chaudhry.\n\n   INSURANCE\n» Life Insurance (LIC)\nAfter ascertaining the requirement of our client we make out appropriate plan and prepare a detailed presentation which helps in selection of the best possible option. Thereafter we execute without hassle to our client & incorporate relevant details in our data base to ensure total follow up service till maturity.\n\n» General Insurance\nWe are affiliated to National Oriental, Cholamandlam, ICICI, Combard Insurance Companies and are covering all components of General Insurance as stated above and ensure total follow up service to our clients including renewals & claiming assistance. We cover following general insurances:\n\n- Car Insurance\n- Office Insurance\n- Household Insurance\n- Overseas Mediclaim Insurance\n- Mediclaim Insurance\n- All other general insurances such as Fire, Personal accident, Merine, Indemnity etc.\n\n» Overseas Travel Insurance\nComprehensive mediclaim insurance plans are available ex- India to Indian, Napales & Bhutanese Citizens ( as well as foreign citi
792873
You need to draw out the flowchart logic associated with all of these events.  What are all the decisions, branches, actions, inputs and outputs?\n\nFor example, for the third one, here are some of the steps:\n- Someone has to decide that a premium change is warranted.  Perhaps this is Actuarial, Accounting or Finance.\nHave there been a lot of claims?  Has there been a big hike in inflation?  What specifically would trigger this?\n- Someone has to calculate the change in premium for all insured people for all policies.  Is it going to be a certain % across the board?  Is it going to be a flat $ increase?  What about rated policies?\n- The rate increase probably has to go through a vetting and approval process,\n- Draft information must be written and approved for internal notification of the premium change, including the communication methods to be employed.\n- If the communication method is through computer systems, the systems change must be tested and validated in a non-live enviroment.  The testing must be approved.\n- The "cut-over" date to the new premium rates must be announced and the system changed on that date.\n- You probably want some sort of reminder "pop-up" about the new rates so that people don't think they are doing something wrong.  This must be tested with the "real" changes as well.
878382
Wow Im a little worried about some of the advice you received.  An annuity is a policy with an insurance company that allows you to protect your money from probate, and yes it passes directly to your beneficiary within 7 days after the insurance co is notified.  Unfortunately too many people give their opinions about annuities when they have no idea what they are and why they are great retirement/estate planning tools.  Not to mention that Annuities pay higher interest rates than bank CD's and money markets, and Fixed annuities don't lose your money like the stock market and mutual funds.   Good for you for having an annuity, now that I have shed some light on what they are.  The answer to your question is YES.  Just like any investment, you will not avoid paying taxes on your annuity.  If it is Non Qualified Money, the taxable portion will be on the interest you have earned during the course of having the annuity policy.  If it Qualified money like an IRA the entire amount will be taxable.  The insurance company will be happy to take the approximate taxes right off the payout amount to help your beneficiary, or they can elect to pay it at the end of the year.  Estate and inheritance tax only effect a small percentage of Americans, so this probably won't be an issue for you.  Keep in mind that if this is infact in a Fixed Annuity and Not a Variable annuity, your interest has been compounding over the years tax deferred.  That gain is significantly better than you would have gotten in a CD, paying taxes on it every year.  Good for you.  Make sure you keep that money in an annuity, and that you are getting a FIXed interest rate, no in the stock market.  SAFETY
1085016
It takes something pretty serious to keep you from passing the screening. I'm seriously anemic and they still approved me to come here. I think a lot of it has to do with where your going. Our hospital here in Naples doesn't even have a Intensive Care Unit, I think it's a forty something bed hospital, so anybody with anything that is too bad, they wouldn't send somewhere like this. My biggest problem for the overseas screening was the dental. I actually had to have a lot of work done on my mouth! But that kind worked out for the best for me....I got braces and the Military is paying for them one hundred percent because I live overseas! I'm seen on base here for both medical and dental.As a dependent ( My husband is the active duty member ) over the age of 19, our dental insurance through the military in the States wouldn't cover anything for braces. And remember that when you go in for your screening, you'll see a military dentist for your dental screening, but if you have anything they want fixed before you go ( Wisdom teeth pulled, cavities filled, etc... ) they'll make you go to a civilian dentist to have it done, so you'll hav to pay whatever the insurance doesn't.
901497
You are only required to carry collision and comprehensive coverages which protect the vehicle you are financing.  I agree that raising your deductible is a good idea if you are looking to cut costs.  Make sure that you are getting any discounts available such as anti-theft device, mileage discount, etc.  Review what you are carrying for liability.  You may have more coverage there then you can afford.  If you dont have any assets that you need to protect perhaps lowering your liability for a while would be helpful. Call your insurer and explain your money is tight and have them review your coverages in detail-that is there job.\nGood luck.