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Buying insurance policy is one of the smart financial moves that you can make especially with these days uncertain economic state. If you want your family to have a secure financial status even after you die, taking up life insurance policy proves to offer a number of benefits. The problem, however, is that many policy holders are under insured which puts their loved ones in a risk. In other cases, there are many who are over-insured resulting to them paying too much for the coverage of their policy more than what they need to. What is essential when it comes to purchasing life insurance policies is learning how to find the correct balance. Although it can be confusing and difficult to do so, consulting an insurance expert can help you learn about the most important details. One can say that life insurance is the economic value of his life. When you grow older, it is also the time that you realize the significance of income. You’ll learn to look at things in new perspective and understand that while you are strong and healthy, you have to work your best so you can provide the necessities and comforts of life your family needs. But there are also times when you won’t be able to do so. It is either you get sick, because of old age or perhaps premature death. Life insurance is one of the guaranteed solutions you can have in securing your dependents financial security. It offers the most efficient economic method in order for families and other dependents of the policy holder to be financially stable even after the holder’s death. However, life insurance just other investment and financial plans has to be completed over a required period of time. Here three of the best services which life insurance can provide making it indispensable for families of this generation: Family Protection Life insurance can greatly help in solving the family’s problems, especially in time of a man’s premature death. With the definite amount of income they can get from a life insurance policy, they can have a fresh start without any debt even after the death of a breadwinner. Income after Retirement After years and years of working yourself, of course you would want to enjoy your old age in a way that you will not have to worry about financial problems. Having life insurance is way that these problems can be solved as it enables you to create a definite source of income even at old age. A Form of Savings Life insurance can act not only as family protection for financial problems or as a source of income after old age. It can also act as savings for future use. It is a very effective method of accumulating funds that can be used in case of illnesses, accidents and injuries. With these three, it is evident how life insurance policies can help very well in ensuring financial security. Through this, there is way that you can ensure your dependents can lead a quality life away from debts even when you’re gone. What is the similarity between your prom dress and your insurance policies? Other than the fact that they both cost a bomb, chances are that you have long forgotten about them and more likely, kept them away in some dark corner of your home. Unlike the prom dress however, your insurance policies must be well managed and monitored. So take a cloth (and possibly a face mask if you are allergic to dust), clean off the dust from your policy documents and start managing your insurance policies today. Note: before you start, it might be helpful to do up a spreadsheet, documenting the various types of policies as well as their details. Step 1: Types Of Policies The first step to understanding your insurance policy is to know what they are in the first. To do so, we need to know what are the different types of policies. Most policies can be classified into one of 7 categories below. Term insurance Whole life insurance Endowment plans Investment linked policies Hospitalization and surgery policies Disability insurance Personal accident insurance But how do you know which type of insurance your policy belongs to? For convenience, here a simple description of the various types of policies. # 1 Term Insurance Plain vanilla insurance policy that covers you for a fixed term (usually till age 65) and has no cash value. # 2 Whole Life Insurance Insurance that covers you for your whole life. It has a savings/ investment portion that accumulates cash value. # 3 Endowment Plans Essentially a savings plan for a fixed term but it also comes with basic insurance coverage. # 4 Investment Linked Policies Offers both investment and protection with no fixed term. Insurance premiums are deducted via units in the funds. # 5 Hospitalization and Surgery Policies Pays you when you are warded and require surgery. They usually have the word “shield” in their policy name. # 6 Disability Insurance Pays out when you are unable to work because of a disability. Look out for a list of disabilities in the policy document # 7 Personal Accident Insurance Pays out a fixed sum when you meet with a serious accident. The payout terms are stated in the policy documents. Note: The type of policy should be the second column in your spreadsheet after name, which is in the first column. Step 2: Coverage & Sum Assured After you know the type of policy, you will need to know what the policy covers and how much is the payout in the event of any claim. The common types of events that can trigger a claim are listed below. Death, total permanent disability and terminal illness Critical illness and early stage critical illness Hospitalization and surgery coverDisability coverPersonal accident coverTake note that some plans are accelerators. In other words, if one clause (say, critical illness) is triggered, then the cover for another clause (say, for death) will cease. It is important to document it down. Note: if you are using a spreadsheet, the type of coverage and payout amount should be in your third and fourth columns. Step 3: Policy Duration & Payment TermsThis is the most important step to managing your insurance policies. You don’t want to see a large sum assured only to realise you cannot claim for it because the policy has already lapsed. Look out for the policy duration and how long the coverage lasts. Whole life insurance and hospitalization and surgery plans have no policy duration and will continue for as long as you pay your premiums. After this, you will need to find out the premium payment terms. Check whether it is paid monthly, quarterly, semi-annually, or annually. This is important so that you do not miss a payment due to insufficient funds in your bank account, as this will cause a policy to lapse. Take note that the policy duration (how long the cover is in place) and payment duration (how long you have to keep paying premiums) may not be the same.Note: This will be columns five and six on your spreadsheet.Step 4: Calculating Your Shortfall After you have all the information, you can assess the total coverage you have for various events. This is also where you can sniff out any shortfall. As you grow, your needs may also change and your insurance cover may become insufficient. This is a guest post from PolicyPal, where you can go to if you find managing your policies a hassle. Simply upload images of your policy and the coverage information will be presented in an overview, along with an independent comprehensive review of your policies! The Insurance Regulatory and Development Authority of India (Irdai), in its Handbook on Indian Insurance Statistics 2015-16, has provided persistency figures of the life insurance industry—and they are not looking good. For FY2016, the life insurance industry, on average, had a persistency of 61% in the 13th month, which means: 1 year after the sale, only 61 out of every 100 policies were renewed. Persistency measures how long customers persist with their policies. By the 5th year of policy sale, 16 out of the 24 life insurance companies couldn’t retain even a third of the policies. Let that sink in: 5 years after being bought, two-thirds of the life insurance policies are no more. The numbers maybe better for some insurers, but the big picture is worrisome. Globally, persistency of these policies is close to 90% in the 13th month and above 65% after 5 years. Why is persistency important? For the industry this is worrisome as persistency is a key drivers for profitability. “A 13th month persistency of less than 80% is bad. Poor persistency impacts profitability over the long run as fixed costs get spread over a smaller base. This means that insurers are unable to achieve cost efficiencies and that keeps their expense ratio high,” said Sanket Kawatkar, principal and consulting actuary-life insurance India, Milliman India Pvt. Ltd. “Most insurers have an expense ratio in double digits, and they need to bring it down to a single digit. Improving persistency is one of the ways to achieve it,” he added. For the customer too, this merits serious thought. Life insurance policies are long-term contracts and you benefit only if you stay the course of the policy. In traditional products, which most insurers sell currently, the penalty for quitting midway is harsh. For instance, if you quit in the first 2 years, the rules allow insurers to charge you your entire money as surrender penalty. In the case of unit-linked insurance plans (Ulips), while surrender costs are minimal, the front-loaded costs still impact your money. Report card Let’s look at a few things that Irdai’s handbook reveals. In terms of 13th month persistency, 17 insurers improved their record in FY2016 compared to 16 in FY2015. But, the average has improved only marginally. In FY2015, the average 13th month persistency was 59% and it increased to 61% in FY2016. This is just a simple calculation of the average and not the weighted average, which gives a more accurate picture. The weighted average will gravitate towards persistency performance of insurers that have large market shares. For instance: Life Insurance Corporation of India (LIC), which has the largest market share, reported a 13th month persistency ratio of 63%, while ICICI Prudential Life Insurance Co. Ltd, largest private life insurer in the retail space, reported a persistency ration of 79%. At the bottom are four insurers who retained half or less than half of their policies sold in the 13th month. In FY2015, this number was six. “If you look at the top four insurers, which cover two-thirds of the private sector, there has been a gradual improvement in 13th month persistency every year by 2-3 percentage points. This is largely due to many things like the shift in customer segment in last 4-5 years and increasing the ticket size from about Rs25,000 to Rs50,000, hence the policy purchases are more considered and not done in a rushed or obligatory manner,” said V. Viswanand, senior director and chief operating officer, Max Life Insurance Co. Ltd. “However, the bottom 15 insurers are perhaps in the catch-up mode for top-line growth in their phase of evolution,” he added. However, according to Viswanand, there has been improvement in the 61st month bucket. “For many insurers the 61st month persistency has improved and that shows the change in Ulip regulations has actually led to right sale of the product, and even after the mandatory lock-in of 5 years, the policies are not being lapsed. In fact, the retention in Ulips has now come on par with traditional plans.” he added. Things have improved according to the handbook too. In FY2016, 16 insurers couldn’t retain even a third of the policies they sold 5 years back. In FY2015, this number was 19. But it’s not enough, says P. Nandagopal, founder and chief executive officer, OpenWorld Insurance Broking Ltd. “A persistency of anything less than 40%, at the very least, is very worrisome especially if it’s reported by insurers with a huge agency channel with very high front-end costs. This means that the distributor is getting paid for top-line but poor persistency is destroying value for both customers and the company,” he said. Why is that the case? Distribution that chases top-line is one of the reasons why persistency is low. “Take the example of sudden spurt in premium collection after demonetization. Did this mean that people suddenly needed insurance? It meant that it was easy to sell policies at that time. But did people really need it? And if not, then what will happen to these policies? They are bound to lapse. Need-based selling is what is needed in the industry,” said Kawatkar. And that should be the focus area for insurers. “The fundamental value proposition for any business is to retain its customers. Especially when you spend so much on acquiring them in the first place. When the cost of acquisition is higher than customer life-time value to an enterprise, that business is not viable,” added Nandagopal. The other reason why the industry continues with such poor performance is due to the fact that it sells largely savings products.“India ranks very low in persistency compared to other Asian countries like China, Thailand and Indonesia. Persistency has been a challenge in India because bulk of the products are saving products, and the expectation is that the customer will remain invested for 10 years. But the customer changes her mind when other products offer better returns. This problem has been of a high order in India,” said Ashish Vohra, chief executive officer, Reliance Nippon Life Insurance Co. Ltd. According to Nandagopal, this is largely due to the poor returns that customers get. “If you look at traditional insurance plans, the returns are abysmal year after year. Whereas customers are getting smarter, they choose to cut their losses by quitting midway," added Nandagopal.But this begs the question, why did customers buy the policies in the first place? Lack of disclosures, coupled with hard sell, is why insurance products are bought. In fact, even after the industry moved to selling traditional plans and despite the high surrender cost of traditional plans, customers are lapsing their policies. This reveals the nature of distribution that focuses on top-line. For you, the customer, the recourse then is to make sure you understand the policy well and see where it fits in your goals. At the minimum, you need to know what the return on your investment is in percentage terms; and if the agent can't tell, don't buy. Does making a claim raise premium rates?Although it is not necessary that filing a claim will necessarily increase the premium rates, however, adverse claim history is one of the factors that impacts the rates of premium. Also, insurers can even deny the renewal of a policy if there are continued losses year after year on the insured risk or no due diligence is observed by the insured to avoid the repeated losses. Renewal of a policy can also be denied if someone has made a fraudulent claim.“This is a wrong perception that filing of insurance claims may lead to the denial of a policy renewal. The fundamental behind the insurance contract is that the company will take care of the financial loss in case of unexpected risks and hence a claim cannot be the ground to deny a policy renewal. However, in case the insured is found to have made a fraudulent claim, the insurer may deny the renewal,” says Manohar Bhatt, Chief Business Head-Motor, Bajaj Allianz General Insurance.Bhatt says that the rates of insurance policies are not based on a single claim experience. However, if a particular customer files multiple claims as a result of poor risk management practices, the insurance company may review the risk and rates of the policy.3 roles that define the importance of life insurance in your life Risks and uncertainties are part of life’s great adventure—accident, illness, theft, natural disaster - anything can happen to anyone at any time. How can you protect yourself or your loved ones in case you are affected by any of these uncertainties?Life insurance can act as a buffer in more than one way, between the financial distress that life’s uncertainties may cause and your loved ones.Role 1: Life insurance as an “investment”.While most people recognise the risk hedging and tax saving potential of insurance, many are not aware of its advantages as an investment option as well. Insurance products yield more compared to regular investment options, and this is besides the added incentives or bonuses offered by insurers. You cannot compare an insurance product with other investment schemes for the simple reason that it offers financial protection from risks, something that is missing in non-insurance products. In fact, the premium you pay for an insurance policy is an investment against risk. Thus, before comparing with other schemes, you must accept that a part of the total amount invested in life insurance goes towards providing for the risk cover, while the rest is used for savings. In life insurance, unlike non-life products, you get maturity benefits on survival at the end of the term, like:If you take a life insurance policy for 20 years and survive the term, a part of theamount invested as premium in the policy maycome back to you with added returns.In the unfortunate event of death within the tenure of the policy, the family of the deceased will receive the sum assured. Thus, insurance is a unique investment avenue that delivers sound returns in addition to protection.Role 2: Life insurance as “Risk cover”First and foremost, insurance is about risk cover and protection - financial protection, to be more precise - to help outlast life’s unpredictable losses. Designed to safeguard against losses suffered on account of an unforeseen event like death, insurance provides you with that unique sense of security that no other form of investment provides. By buying life insurance, you buy peace of mind and are prepared to face any financial demand that would hit the family in case of an untimely demise. Here is how it works: With the entry of private sector players in insurance, you have a wide range of products and services to choose from. Further, many of these can be further customised to fit individual/group specific needs. Considering the amount you have to pay now, it’s worth buying some extra sleep.Insurance firms collect contributions from many people who face the same riskA loss claim is paid out of the total premium collected by the insurance companies, who act as trustees to the moniesInsurance also provides a safeguard in the case of accidents or a drop in income after retirement. An insurance policy can lend timely support to the family in case of accident etcIt also comes as a great help when you retireWith the entry of private sector players in insurance, you have a wide range of products and services to choose from. Further, many of these can be further customised to fit individual/group specific needs. Considering the amount you have to pay now, it’s worth buying some extra sleep.Role 3: Life insurance as “Tax planning”.Insurance serves as an excellent tax saving mechanism too. The Government of India has offered tax incentives to life insurance products in order to facilitate the flow of funds into productive assets.Buying a life insurance plan entitles you tax benefits on:Your premiums under Section 80C.Maturity or death claim proceeds under Section 10 (10D).Disclaimer: Tax benefits under the policy will be as per the prevailing income tax laws and are subject to change in the tax laws. You are advised to consult your tax adviser for details. While one may not be able to avoid getting caught in the effects of life’s workings, life insurance acts like a three-headed spear, which cuts through the financial doubt, dilemma and distress that any untoward incident may cause you and your family. While most people know that their insurance policies have a deductible, not everyone fully understands what that means, which can lead to some confusion. Knowing exactly what an insurance deductible is and what it means for your wallet can help to ensure that you choose the right deductible for your specific needs.A deductible is the amount that you have to pay when you make a claim to your insurance company before your insurance coverage kicks in. Deductibles help you share the risk between you and your insurance company. When you make a claim to your insurance company, your deductible is the amount that you have to pay out of your own pocket before your insurance company will start providing coverage. Your deductible can either be a specific dollar amount or a percentage of the complete amount of your insurance policy. Typically, the larger your deductible is, the lower your premiums will be each month. When choosing your deductible, it is important to make sure that you choose an amount that you will be able to afford at any given time. The amount of your deductible will be found on the declaration page of your home and auto insurance policy.Deductibles for property damage claims are slightly different than deductibles for health insurance. With your health insurance policy, you have one deductible that you have to meet for the whole year. With property damaged deductibles, such as with your auto and homeowners insurance policy, you will have to pay your deductible each time you make a claim. For any questions you have about your deductibles, contact Desert Empire Insurance in Palm Desert, California. We will work with you to make sure that you find the right insurance policies and deductibles, all at the right price to fit your budget. What is Health Insurance? Health insurance is a legal agreement between the insurance company and policyholder under which the insurer promises to pay for all medical expenses incurred by insured in case of medical emergencies. The insurance company will reimburse the amount or will make sure that the insured is getting the cashless treatment for all illnesses or injuries that are covered under the policy at network hospitals.Apart from the health cover, on buying an effective health insurance plan, you will be liable to receive tax benefits under Section 80D of the Income Tax Act- 1961, on the premium paid towards your policy. To take advantage of a health insurance policy, the policyholder has to pay premium regularly. From the starting of the insurance policy, if the insured has any medical expenses to bear then the insurance company will be liable to pay them according to the features, benefits, terms & conditions of plan. It is important to keep in mind that some insurance companies have a waiting period under which no claims will be entertained for a specific time period. The waiting period varies from insurer to insurer. Health insurance is also included in the benefits provided by the employers to their employees. However, the features and benefits of such policies would be limited. That's why it is always advisable to go for a separate health insurance policy for complete safety. Health Insurance and It's Importance Medical urgencies can give goosebumps to an average middle-class person. Considering the increasing inflation, treatment of even the basis lifestyle disease is becoming out of reach. Thankfully we have reached an advanced level of technology and science where almost every disease can be cured. However, any surgery or remedy can leave a dent in the pocket. We often get alert when we meet with such unforeseen situation. There are many diseases like Heart Attacks, Strokes, Cancer, Kidney failures etc that needs immediate attention. As soon as any of our close relative including us are attacked by these deadly diseases we get panic attacks. More than the illness it's the stress of recovery that bothers us. All these can be managed if we have suitable Health Insurance plan. In absence of it, we surely can invite many other additional psychological ailments This is exactly where a health insurance policy, commonly known as mediclaim in India, comes in picture to cover your expenses up to a great extent and help you retain the peace of mind. Health insurance plans will be there to support you financially in case of medical emergencies. It will provide the required financial assistance through which you will be able to pay for all medical bills. The facilities such as cashless benefit makes it more awesome as under the same you can completely focus on treatment without worrying about the medical bills. A health insurance policy will allows you to get the treatment at top hospitals of India and the best thing is that the insurance company will take care of all medical bills. At PolicyX.com, which is an IRDA approved website, you can freely compare and select the best plans to take care of your health needs and expenses in just a few minutes. How to Choose Best Health Insurance in India? The best way to safeguard yourself against exorbitant Medical expenses is buying a good Health Insurance Plan. Not only we can cover the risk of any critical illness but can buy a customized plan as per our requirements. Good treatment comes with the price. If an illness is not cured on time because of lack of money it can lead to the serious ailment. In Worst cases, it can turn deadly. Alternatively, if we do the treatment on our own it may lead to a huge financial crisis as well. This is where the whole concept of medical policies comes into play. Best health insurance plans cover medical costs during hospitalization as well as pre and post stages of hospitalization. The level of coverage mostly depends upon the type of the medical insurance policy. A lot of companies now offer health insurance in India and therefore as a consumer, you have multiple choices from leading brands. To choose the best health insurance policy you should take advantage of our comparison services. Some of the brands offering health plans are MaxBupa, Bharti-AXA, Tata AIG, Apollo Munich, Star Health etc. PolicyX.com helps you compare and choose the best health insurance plan for you. You just have to compare health insurance plans provided by top insurance company on our website. With the basic information that you fill on our website, we will search for the most suitable health plans for you and offers the relevant quotes which make the whole process of buying health plan easier for you. With the available free quotes, it will be easier for you to compare plans on the basis of features, cost, riders, exclusions, benefits and much more. Types of Health Insurance People have their own choices and needs and to cater them insurance companies are offering multiple forms of health insurance. It is important to invest in a health insurance plan but it is more important to go for an appropriate cover that can easily go well with your needs. So for choosing the right one, you should first learn how many forms are there that you can explore. Following are major types of health insurance policies available in India. 1. Individual Health Insurance One of the basic Health Insurance plans that every person must have is an Individual Health Insurance. Though it covers a single person but there's always flexibility of availing the Sum Insured. Family members can also be chosen easily but we need to pay a separate amount. The premium that we pay annually is dependent on the amount of Sum Insured. 2. Family Floater Health Insurance Types Of Health Insurance Family Health Insurance is best suited for an individual willing to cover more than one family members. All the family members can enjoy the benefit of the entire Sum Insured. It's rare situation when any 2 members of the family fall ill simultaneously. As a result, complete amount of Insured Sum can be utilized by a single member. The amount of premium paid for such kind of policies is quite less as compared to other plans. Members that can be easily covered is your spouse, children who are dependent and the parents. 3. Critical Illness Plan Under the same, the policyholder will be liable to receive a fixed benefit payout in case any critical illnesses specified under the policy. With the lump sum benefit you will be able to pay thehospitalization cost. 4. Senior Citizen Health Plan The plan is designed especially for the old age people, particularly the age above 60 years. This plan is a great to fight against medical contingencies during old age. As per the IRDAI regulations, every insurance company must include people up to age of 65 years. 5. Maternity Health Insurance Nowadays, almost every health insurance company cover pre and post natal care, child deliveries and sometimes vaccination expenses of new born babies as well. In short, it provide cover to all your maternity expenses. However, features and exclusions can vary from insurer to insurer. 6. Unit Linked Health Plan (ULHP) Health insurance companies have recently introduced ULHPs. It is basically a combination of health insurance and investment. Along with the health protection, ULHPs will help you in building a corpus which can be used by the investor to meet expenditures that do not get covered under health insurance plans. The return, of course, depends upon the market conditions at that time. But these plans are still in the development stage and are recommended for those who can handle products like unit linked insurance plans (ULIPs) and unit linked pension plans (ULPPs).
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