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Five top mutual funds for impact investing

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Impact investing is the process of investing funds in companies that reap financial profits at the same<br />
time create a positive social and environmental impact that benefits the company and saves the<br />
environment. Impact investing has become popular among young investors as well as very old investors.<br />
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The companies that focus on impact investing concentrates on principle based selling of their products. These companies follow principles that save the mother earth and its inhabitants by reducing pollution. Here are five of the top mutual funds for impact investing.<br />
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1. Parnassus Endeavor Investor: Here, the investors get to invest their money in a company that<br />
facilitates the growth of the employees. This is mainly because they support an environment that is<br />
committed to the development of their employees. When the environment of the company is healthy,<br />
the employees work better. When the employees are highly satisfied, lesser are the chances that they<br />
shift to some other company. The investors get a chance to invest in a company that retains its<br />
employees better than its competitors. The companies in which they refuse to invest are those involved in gambling, tobacco, and similar companies. They also don  invest in fossil fuel companies. Their average yield for five years is 14%.<br />
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2. TIAA- CREF social choice bond retail: This company wholly invests 80% of its investment in bonds of various companies that meet ESG standards. They invest in many corporate bonds in addition to investing in the US municipal and government bonds. In addition to this, they invest in energy and natural resource companies. This has given a yield of 1.24 % from the commencement of the present financial year and has won a 5-star rating by morning star risk assessment company.<br />
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3. Vanguard FTSE social Index Inv: This company invests in more than 400 companies and among other companies Apple, Alphabet and Microsoft require a special mention. They also invest in healthcare technology based companies. It has a net asset of 2.89 billion and it has fetched a yield of 7% to date. The investment managers make sure that they select those companies that support a workplace environment that employs diverse people from different walks of life and recommends at least one woman on the board of directors.<br />
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4. Walden equity: All kinds of companies, be it a small company or medium or even large companies is chosen by them to invest their funds to earn maximum profit out of their clients & investment. A major portion of the money collected by this company is invested in securities and rest is invested in derivatives. They refrain from investing in nuclear weapons and alcohol companies.<br />
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5. Domini Impact equity investor: This is one such company that invests in companies that let the<br />
investors  money grow and they invest even in companies out of the US. They only invest in large and medium cap companies and stays away from small cap companies. They also give more importance to companies that support employees wellbeing and show concern for humans by being eco-friendly. In short, the impact investing is parking your money in companies that help its customers to earn maximum profits and select those companies after screening for ESG principles.</div>

Five top mutual funds for impact investing

Impact investing is the process of investing funds in companies that reap financial profits at the same time create a positive social and environmental impact that benefits the company and saves the …

Five Things You Should Know About the Health Insurance Marketplace

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The health insurance marketplace is the place from where the people with no health insurance<br />
buy policies to satisfy their health care needs. This is the alternate way for the 50 million people<br />
having no health insurance to buy a health policy. Otherwise, they would have to pay a<br />
fine.Some people, even though, they have a health insurance plan, buy one from the marketplace.<br />
This is because they believe the cost of a premium is a little low here. Nowadays, even the<br />
employers also ask the employees to buy health insurance policies from the marketplace. There<br />
are five basic things you have to be aware of the new health insurance marketplace. They are:<br />
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1. Know about the health plan categories: Basically, there are four types of plans, namely,<br />
bronze, silver, gold, and platinum. Another thing which you have to know is about how much the<br />
plan spends for you and how much you spend for yourself. For example, in the bronze plan, the<br />
plan pays only 60% of the cost of the health insurance plan you own. In the case of silver, gold<br />
and platinum, it is 70-30, 80-20 and 90-10 respectively. This information simply tells you that in<br />
the bronze plan the level of coverage the plan offers you is the least. So the premium you have to<br />
pay for the plan is also less. From this, you can easily comprehend that if you pay a lesser<br />
premium the coverage you get is also low. If you take a platinum plan you pay a higher premium<br />
and get a higher coverage. Similarly, this insurance plan has got various components. They are deductibles, copayments and coinsurance. Deductibles are the part of the extra amount you have to pay to the health insurance company before it can pay you any amount for the expenses incurred. Copayments are the amount which you have to pay for the services rendered by the insurance company. Coinsurance is a certain percentage of the amount you pay to share the expenses.<br />
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2. These marketplace insurance plans should cover Essential health benefits: Every plan<br />
bought from the marketplace should cover all the essential health benefits. The essential benefits<br />
are Care for newborn and children, addiction treatment, emergency, hospitalization and the like<br />
treatments. This list is by no means exhaustive. The list goes on.<br />
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3. Check whether you are eligible for lower premiums and subsidies: Try to find out<br />
whether you are eligible for paying a low premium. Through this, you get a cost -sharing<br />
reduction and you can now pay only a reduced premium. You have to also understand that these<br />
subsidies are available to you when you can&t get yourself a public health policy or your<br />
employer doesnt provide this service.<br />
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4. Take a health insurance plan or pay a fee: According to the US law, you have to either<br />
have a health insurance plan or pay 1% of your annual income as fees to the government. You<br />
may also be asked to pay $95 per person as a fee. It was the situation during 2014. But during<br />
2016, it has been increased to 2.5% of your income.<br />
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5. Know the date when it will be available: Open enrolment starts on 1st November 1016 and<br />
ends on January 31st, 2017.<br />
These are the essential things you need to know about the marketplace.</div>

Five Things You Should Know About the Health Insurance Marketplace

The health insurance marketplace is the place from where the people with no health insurance buy policies to satisfy their health care needs. This is the alternate way for the 50 million people havin…

5 credit card security risks that every small businesses need to know about

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Are you a small business owner who accept credit card payments for every sale you make? Do you know even a single act of negligence would cost a lot of your credibility and profit? You might not be aware of the number of sales you make every day. But you should definitely be aware of the security risks and associated things to prevent many unwanted things to happen. When you face a security threat, your customer information is stolen that lead to fewer customers buying your products and even credit card companies cutting off some privileges that would otherwise be available to you as a privileged customer.<br />
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It is mandatory for all credit card transaction processing companies that they should follow PCI Industry security standards. It is to maintain the secrecy of the information of the customers that payment card industry security standards have been introduced. Suppose, if you buy things from a shop and pay for that through credit card, your information is passed on to the store or shop who stores it and pass it on to your credit card company. As per rules, the store or the shop should maintain the secrecy and should refrain from passing your personal information to others.<br />
What is a credit card security risk? Come on, let us understand. From this discussion, you would get to know what are the 5 credit card security risk faced by every small business. They are:<br />
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1. Train yourself and your staff: If you own a small business it is quite natural that you will not be very<br />
much familiar with the credit card transactions and how it works. It can also happen that you are putting<br />
your own business at risk. So, first before starting to handle the credit transaction, know all the<br />
procedures in and out. Teach your staff also how to handle the same properly. This will save you from<br />
future complications and embarrassments.<br />
2. Be alert to avoid processing, fraud payments: If you process for a large number of people in a busy,crowded day, there are chances that you dont notice that one of your customers have made a paymentusing a fake credit card. What you have to do to control such practices is to check for the magnetic strip on the credit card. If it is tampered or damaged, it is definitely a fake card.<br />
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3. Ask for credentials if no signature on the back of the card: If one of the customers present you a card that doesnt have a signature at the back of it, ask for ID proof to prove that he is the real owner of the card. Fake cards usually dont have a signature at the back.<br />
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4. Never store credit card data to charge later: If you have a practice of storing customers credit card<br />
information to charge him later, it could be very harmful to you. You may be liable to punishment for<br />
fraud and will be asked to pay huge fines.<br />
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5. Never accept returns for purchases made on CC: Sometimes what the fraudsters do is to make<br />
purchases using a stolen credit card.Later they come and say they want to return the items purchased.<br />
Unknowingly, you will return the money to the customer for the things which they bought using a stolen credit card.<br />
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These are the five credit card security risk you should definitely know.</div>

5 credit card security risks that every small businesses need to know about

Are you a small business owner who accept credit card payments for every sale you make? Do you know even a single act of negligence would cost a lot of your credibility and profit? You might not be a…

5 Best Travel Reward Credit Cards

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People sometimes travel to exotic destinations to reclaim their lost energy. The banks who<br />
know this fact offer alluring rewards just to attract customers. So the credit card users try their<br />
level best to get exciting rewards on their credit cards to receive exciting travel offers. These<br />
offers help them to travel with comfort which would otherwise be impossible. You can also win<br />
exciting rewards which you can use to get free tickets when you go for a tour to enjoy your<br />
holidays. The one thing you have to reckon with is that you should choose the correct card and<br />
should utilize to the maximum the rewards which these credit cards provide you with.<br />
But, which are the best credit card with which you can earn travel rewards to the maximum?<br />
Still confused? If so, Here are those tricks which you should follow to get the best offers. It is a<br />
sad fact that we can never find a card which proffers you with different benefits. In other<br />
words, no single one has all the offers and benefits a person requires.<br />
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Since I have been continuously in the quest for a good card with almost all the benefits for the<br />
past few years, I have come up with certain tips which could use to choose the appropriate one<br />
based on your needs. The return you get for the money you have paid and the availability of<br />
maximum benefits. There are the five below mentioned cards which give you maximum<br />
benefits. They are<br />
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1) Chase Sapphire preferred card: Buy Chase Sapphire preferred cards and transfer the points<br />
you get with this card to international airline partners such as Korean Sky Pass, British Airways,<br />
Singapore Airlines etc. to win an exotic trip to these places. You can also transfer the points to<br />
some of the hotel partners like Intercontinental hotel group, or Marriot Etc. These would fetch<br />
you the benefits you can& imagine until you enjoy these benefits. Isn&  it great to get 50,000 points while you make a purchase for $4000 within the first three months of account opening?<br />
Yes, Of course, it is. You get $625 in travel on redemption of those points.<br />
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2) Bank Ameri card Travel reward credit card: It is amazing to know that this credit card gives<br />
you 1.5 points on purchases worth only $1. Another great thing is that there is no time limit<br />
within which you should redeem these points. Suppose if you have a savings account with this<br />
bank you get additional 10% bonus points for every purchase you make. If you make a purchase<br />
of $1000 within 90 days, then you will get 20,000 bonus points. There is no fee for the foreign<br />
transaction in this card.<br />
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3) Capital One venture credit card: In this card for every $ 1 spent you get 200 miles. Just<br />
imagine the rewards you would have accumulated for $10,000 worth purchases. Enjoy your<br />
vacation trip by redeeming the unlimited points you have on your card. An exciting 20,000<br />
miles travel is waiting for you when you make a purchase of $3000 during the first three<br />
months of opening an account.<br />
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4) Discover it Miles card: The Discover offers you the points like Bank Americard travel credit<br />
card. That is 1.5 miles on every $ 1 worth purchases. You will receive a huge bonus at the end of<br />
the first year. The miles which you earn through your card can be reclaimed as travel expenses<br />
or cash. You can give instructions as to which account the money has to be deposited.<br />
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5) Capital One Venture One credit card: It gives a lesser benefit like 1.25 miles per $ 1. If you<br />
make purchases for $1000 you will get 20,000 one time bonus.<br />
These are the five credit cards which offer the best benefits for you.<br />
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5 Best Travel Reward Credit Cards

People sometimes travel to exotic destinations to reclaim their lost energy. The banks who know this fact offer alluring rewards just to attract customers. So the credit card users try their level be…

How to find the best mortgage rate in 2018

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It is an admitted fact, that checking the rate different banks offer is not the only thing customers consider before approaching a lender to borrow money. There are certainly other factors such as choosing the lowest available rate, an important thing to think about before having a final thought about the one to whom we are going to approach for a loan.<br />
Comparing mortgage rates of different States?<br />
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Let me give you a quote an example of a home loan in Los Angles, California. If you are planning to take a loan, please check for the rate of interest you have to pay to get a loan. If you log onto aimloan.com, a direct internet lender,  input all the required information to get a quote. Let me quote my example. I needed cash of $2,00,000 to purchase a property. I have a credit score is 740+ and it is a 30 year fixed interest rate loan. You would also have to select the option, place of residence. Now, let us see how much ROI it will show for the state of Kentucky? It will show an average of 3.4 as the rate of interest. On the other hand, for a 30-year loan with a fluctuating rate of interest is even lower. It is only 2.8 on an average.<br />
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It is worthwhile to note that the rate of interest was 4.3 % during the year 2014 and had a steep fall to 3.9% the same year. Now, it is around 3.8 at the end of 2016 for the same 30-year-old loan.  If you are also planning to take a loan, this is the correct time to go ahead with your plan.<br />
What are the ways to find out a  better rate of interest?<br />
1) Compare ROI of different banks.<br />
2)  Boost up your credit score.<br />
3) Increase the amount you pay as initial payment.<br />
4) Think about how long you want to live in that house.<br />
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Let us now understand it a little better.<br />
1. <b>Compare ROI of different banks</b>:  It is quite natural for anyone to approach a mortgage broker to finalize a deal with a bank that gives loan at the best rate of interest. He would advise you to approach a bank with whom he is associated with or the banker with whom he is able to earn the best. Take input from that. But, don't forget to compare the banks before finalizing any plan.<br />
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2. <b>Boost up your credit score</b>: Before searching for a bank that will provide you the best rate of interest, try to improve your credit score. It is a matter of simple understanding that the better your credit score is, the bigger your loan amount will be. The banks extend loans to those they consider is safe to deal with.<br />
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3. <b>Increase the amount you pay as initial payment:</b>  Try to save as much as you can for making a down payment. If you pay a bigger amount as down payment, you would be able to get a loan that charges a lower rate of interest. In turn, it will fetch you a mortgage insurance policy with a low rate of interest.<br />
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4. <b>Think about how long you will live in the house</b>: If you are going to live in the new house for a relatively short period, consider opting for an adjustable rate loan. This is because initially, they charge only a low rate of interest. When it starts to increase, sell it.<br />
These are the ways to find out the best mortgage rate in 2018.<br />
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How to find the best mortgage rate in 2018

It is an admitted fact, that checking the rate different banks offer is not the only thing customers consider before approaching a lender to borrow money. There are certainly other factors such as ch…

8 ways to get the cheapest car insurance possible

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It is true that we never know when we will get our car stolen or we meet with an accident. It is possible that the misfortune is, even now, waiting to attack you and make you its victim. It is a hard truth that we all want a good insurance policy to secure our vehicle and we are still confused as to which one we want. When you own a car, it is quite natural that you will be flocked by many insurers, who offer, if not the same, similar kind of products and services to allure you.  This makes you so confused that every product appears to be cheap and effective for you. But, don't worry, here is a list to help you ensure that you have made an excellent choice.<br />
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1. Don't form a good opinion on a particular company: When you do a research on which company is the best and offers the most number of offers at the least price, never believe in the advertisement. These companies will show attractive commercials to win the trust of the customers. The real truth is that different people will pay different prices as a premium to the same company. Suppose if, Mr. X pays 300 dollars as a monthly premium, it is not necessary that Mr. Y also pays the same. He may pay only $250 or $350 depending upon the physical conditions of Mr. Y. No one company can claim to charge the lowest premium for the same policy.<br />
This charge will further increase if the predictive models indicated that you are likely to go to some other insurers in the future. Price optimization, that is what these insurers call this model, is stopped in, at least, some of the American states.<br />
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2. National Vs. Local Insurers: It is quite true that the American insurance industry is dominated by four among all players. They are Geico, Progressive, All State and State farm.  Even though, these national players have won the trust of the customers, we can't ignore the presence of local players like Erie insurance company and Auto owners insurance has earned a name of their own in the minds of customers even better than the national players.<br />
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3. Ask for discounts, if any: Whenever you have finalized the name of the company you are going to approach for an insurance policy, check whether any discount is available for you. They will offer you a discount if:<br />
a) You are thinking of clubbing your auto insurance with home insurance.<br />
b) If you are taking two different policies for two of your cars.<br />
c) If you have not had any single accident during the last year.<br />
d) If you are ready to make a single payment of your premiums.<br />
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4. Pay bills on time: The only one way to improve your credit score is to pay bills on time and reduce your credit limit a little. This will help to improve your credit score that will reduce the premium you are going to pay the insurers.<br />
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5. Choose a car, according to the insurance cost: Whenever, you finalize on purchasing a particular type of car, think about the insurance cost the companies charge for a particular model. If you own a  Toyota RAV 4 you will have to pay more as premium than if you own a Honda CRV.<br />
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6.  Don't go for additional covers: Don't think of buying comprehensive or collision covers because if your car is new, it perfectly makes sense. On the contrary, if yours is an old car, it is going to be a waste, because the insurance company pays only the market value of the car if something undesirable happens naturally or because of a third party.<br />
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7. Increase the deductibles:  If you increase your deductibles, you can lower your premium. The deductible is the money you pay up front to the insurer, before getting any claim from the company.<br />
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8. Mileage-based insurance policy: If you are not a person who drives frequently, then take a policy that allows the insurance company to watch your driving, it will reduce the premium.<br />
These are the 8 ways to get the cheapest policies possible.</div>

8 ways to get the cheapest car insurance possible

It is true that we never know when we will get our car stolen or we meet with an accident. It is possible that the misfortune is, even now, waiting to attack you and make you its victim. It is a hard…

EMPLOYEES STATE INSURANCE

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The Employees’ State
insurance Act came into a  force in 1948,
laying  the foundations  for a nationwide  comprehensive 
social insurance program  the
first of its kind in South East Asia. The scheme covers an integrated  system of social insurance wherein  the benefits include  cash payments 
in the event of sickness, maternity, employments  injury benefits and pension  to the dependants, and medical  benefits 
to the workers and their families 
. From January 1997, an employees 
is required  to contribute 4.75%
of the payable and the employee 1.75% of the receivable  as the Employee’s state insurance Scheme  (ESIS) 
contributions . Though offering  a
comprehensive  social security scheme to
all Indian citizens  from Kashmir to
Kanyakumari  may be a far-fetchedc one ,
the  Government  as the first major step, announced  the launch of a comprehensive social
security  scheme, under the Rajiv Gandhi
Shramik Kalyan Yojana to  employees
covered  under the ESIS. This scheme was
put  into 
operations  on April 1, 2005, .
The scheme offers invalidity arising  out
of the non-employees as a result of retrenchment  , closure or permanent members   of the
workers will be supported by the Employees 
state insurance Corporations (ESIC) 
without any burden on the employer or employee.  The scheme provides  an unemployment  dole of fifty per cent of the wage of the
unemployed  to receive medical care in
the dispensaries  and hospitals of the
ESIC. To be eligible  and to get benefits
under this scheme , the workers should have contributed for a period of five
years before the cessation of employments.  </div>
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ENGINEERING INSURANCE:  As the
indicates these are policies  designed to
cover various risks associated with engineering 
applications during various  
stages of productions  or
constructions  as the case may be. These
policies are process-specific. There are different types of plans to meet
specific  requirements.  The Contractors.’ All risks policy is one
that safeguard the interest of  contractors  and principals in respect of civil
engineering  projects. This is an
all-risk cover and cover can also be extended 
for third party and other liabilities. The sum insured under the policy
is equal to the estimated  final erected
value of the contract  on a full cost
basis. In the event of underestimation 
due to cost escalation, the insurer applies the doctrine of average to
the extent of under -insurance. Another variations  is the Erections all Risks Policy that is
concerned with the erection  of electrical
plants and installations  including
machinery,  equipments  and structures with little or negligible  civil works terms and conditions are similar
to the Contractors, “All Risk Policy” . Under the contractors’ All Risk
Policy”  and Erection All Risk Policy, </div>
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The option  is available for additionally
insuring the contractor’s plant and machinery. If the sum insured is within the
specified  percentage  of the main contract then the additional
cover will be conterminous  with the main
contract of insurance . Wherever the sum insured exceeds the specified
percentage, the  contract   could be an annual contract, for the
contractors  could be using the machinery
and equipments in connections   with
other works too. the additional cover indemnifies the contractors  against unforeseen  and sudden physical loss or damage to the
plant and machinery due to any of the specified 
causes like burglary theft, riots, malicious acts, terrorism  fire explosions, storms, accidental damages,
faulty  handling etc., </div>
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The various
locations where the plant and machinery will be stored should be   declared to the insurer.  The insurance are  also allowed to issue  the contingency policy on a “First Loss
Basis” where the contractors  find it
difficult  to provide  the value of individual Contractors’ Plant
and Machinery (CPM) particularly in the case of mega projects. The insurers are
allowed  to issue such covers under the
“File & Use’ procedure subject to adequate reinsurance support.  In the case of the collapse of the New Air Terminal
built in Paris at a cost of $ 925 million, as nearly 400 firms were
involved  in the constructions  of the terminal, it was expected  that the investigations  team headed by prof. Jean Berthier might find
it difficult  to pin down the  responsibility  to any one firm. It was opined that in the
event of any fault by a company, the claims have to be met by the police unique
chantier, an engineering  insurance
policy that covers  the liability  of any firm involved in the constructions of
the terminal for a period of ten years from the date of completions  . It is reported that the reinsurance is
shared by Swiss Re, Munich Re, General Re, and SCOR Group of France. </div>
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EMPLOYEES STATE INSURANCE

The Employees’ State insurance Act came into a force in 1948, laying the foundations for a nationwide comprehensive social insurance program the first of its kind in South East Asia. The scheme…

GIVE LIFE INSURANCE ITS DUE IMPORTANT

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 For all
those who have financial dependents , life insurance is a must. Life  insurance acts as a tool for income  replacement. The idea is to not make the
surviving  family members suffer
financially  due to the absence of bread
earner.  Its do not enough to keep the
family maintain their standard  of living
life  insurance ensures  much beyond it. There are a financial
liabilities  towards, children which one
needs to meet., Life  insurance  makes sure such goals are met
systematically  and dreams and
aspirations of children are not 
compromised . In addition if there are housing  and car loans , life  insurance serves  it role in managing  them as well. In simple  terms, life 
insurance company, ensures your family 
doesn’t  suffer financially and
all your  goals  are met for a small price by paying a premium,
that your pay to ensure it.   THE
PRODUCT  RANGE:  Life 
insurance products help in channelizing 
your savings  systematically into
various assets for generating returns over the 
along term. As wealth  gets
disciplined  savings are goes a long way
in meeting  the long term financial  goals. 
</div>
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On one  end of the
spectrum are the pure the term  insurance
plans. They solely  cover the risk of the
dying. Nothing is paid  on maturity I.e.
on surviving  the policy will replace the
income  that will cease  to accrue. Then there are a  traditional 
insurance plans including 
endowments  and money back plans
which are a  ideally suited  for conservative  individuals 
looking  to bundle savings with
protections . On the far end is </div>
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the market linked investments  cum protections plan called until linked  insurance plan ideally suited for a   those looking for a bundling  and exposure 
to equities as asset  class for a
higher that inflation  kind of returns.
Besides protection   insurance,
products  with savings elements  helps in meeting one’s  long term goals such as kids  education 
marriage  or even retirements .
Market linked  insurance products
having  equity  exposure 
comes handy in this as equities are said to work best over long term as
against  other asset classes in
delivering  higher than inflation
adjusted  returns. Link your savings in
these unit linked  insurance plans to
long term goals. Be exposed  to
equities  till about three years  away from goals  and </div>
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then start shifting funds from equity  fund options to less volatile debt funds.
This helps in protecting  the gains
made. </div>
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LIFE STAGE BUYING: Buying  insurance is not a one time affair.  The 
insurance need changes as per life stage and one should provide for each
one of them. Reviewing  requirements  at every life stage or after 5 years  helps. For those who are single or have
recently  started career, the
immediate  need might not be there unless
there are a financially dependents 
parents or siblings ,. However even for them buying   insurance early in life helps in keeping the
premiums  low because of age and medical
9issues  connected  with higher ages. As one move up the life
stage., gets married and have children, the 
insurance need rises. Keeping and adequate coverage not only helps
family maintaining  the same standard of
living but also helps in achieving 
certain  life goals such as kid’s
education or marriage.  Since education
is the prime concern for most Indian parents, investing  in a child plan will ensure that the
education of your kid goes unhindered 
whether or not you are a around. Its is a  very likely 
that during this  period, one
takes a home loan and adds on the exiting 
financial liabilities. Getting 
not just the home loan insured 
but also any other form of loan such as a car or personal loan is a
must.  The value of the human life is
unlimited. Still most of us consider  it
enough  to keep a life cover of Rs. 2
lakh- Rs. 5 lakhs  or Rs 10 lakh . Will
it suffice ? Will such amount be enough to replace one’s  income be enough to replace one’s income  for the next several years? No wonder we at
most times are under-insured during  our
life time.  GET REAL VALUE OF YOUR LIFE:
Human life value (HLV) approach to calculating 
the  insurance requirements  takes into a account  four factors annual income, annual
expenses  years to retirements and
inflation adjusted cost of  expenses.
From these  factors a reasonable accurate
assessment of the value of your income can be made. First  deduct all your personal expenses  such as a food, clothes, travel,
entertainments  from your annual income
after deducting personal expenses  is
what your family consumes. Second see how many years of earning  are left your retirements  age minus your current age.  Project 
family expenses up  to
retirements. Add non-recurring expenses , like your children’s  higher 
education  or their marriage. The
shortfall is   <br />
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what you should 
insure for. Third calculate  the
present value of the shortfall allowing for a reasonable  rate of inflation . You may deduct
existing  life coverage and account  for any debt such as a  big ticket 
home loan to arrive  at a more
reasonable  HLV figure.  CONCLUSION: Link your life  insurance to your goals. Choose between
traditional and Ulips based on your requirements and understanding  of the products. Do not invest in any of term
unless you have a basic understanding of how these products the  work. Once</div>
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 bought  run them will till maturity and refrain  exiting 
earlier  as a it would  turn costly 
in surrendering </div>
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before the term ends. 
As a thumb rule, keep life coverage of at least ten times, of your  annual income. Above all, ensure you are a
not under insured  as that would be the
biggest mistake in your life. ...</div>
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GIVE LIFE INSURANCE ITS DUE IMPORTANT

For all those who have financial dependents , life insurance is a must. Life insurance acts as a tool for income replacement. The idea is to not make the surviving family members suffer financial…

LIFE INSURANCE TERM AND CONDITIONS

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Life insurance in its  nascent 
is known term insurance . The every very name implies  that the coverage is for a  limited 
and specific  time. A term
insurance  contract could be structured  for any period. Generally from the point  of view of underwriting  , the term 
varies  from five years  to twenty 
years. However Assured Life Time, a 
term insurance product of TATA -AIG is a 
available  fro a term of one year
and has certain attractive  options like
conversations  of the plan to a savings
plan and renewal  of one and five year
plans without  any medical test etc.,
Under a term insurance  contract, the sum
assured  becomes  payable only if death occurs  during the selected  term, and nothing  becomes 
payable once the term expires. Wherever 
the contract  envisages a  renewal of the contractor  for a stipulated  period after the expiry  of the original contract  such a policy is called Renewable  Term insurance policy. </div>
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Some term
insurance  contractors  offer a 
conversion  clause by which the
assured  can experience  an option of the to convert the term into
a  permanent  assurance plan without plan any further
medical  examinations  . LIC, Max New York Life Tata AIG are a few
examples,.  Until  recently term insurance contractors  were not 
popular in India.  The first
branded  term insurance plan Bima sandesh
with return of premium  provision  had a 
slow death for want to of proper positioning , . With the opening up of
the industry, the concept of the term assurance plans received a shot in the
term arm and many companies  like ICICI
prudential  Life, Birla Sun Life, and LIC
market such term assurance  plans as a assurances  with Return of premium (ROP).  With the opening  up to the industry to private players, the
concept of the ‘Term’ is getting promoted . Now private companies  alongside, LIC, market such plans , and
the  price war is hotting up in this
product class. For the first time among private insurers in the Indian market ,
Max NEW YORK LIFE came out the with a 
LEVEL  Term Plan with  yearly 
and other mode options  with the
term extending  to 20 year and 25 years.
This was  positioned as an
attractive  low-cost plan.  Another innovative term insurance plan was a
the KOTAK Preferred  Term PLAN (KPTP),
introduced  by Kotak mahindra  Old Mutual Life insurance company. His term
assurance with a  minimum sum
assured  of  Rs. 10 lakhs is available for men  in the group 
of 18-60  years , provided  they do not 
tobacco in any form. If some 
one  takes  to smoking 
the after the conclusion  of the
contract  the company may view  it as a violation  of the terms of contract  and decide 
to decline the death  claim, it if
is  established  that the death has resulted as result of the
policy holder taken to the tobacco smoking. </div>
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Bajaj Allianz  Term Care
offers  life insurance  cover at a low cost and provides  for returns 
of premiums on maturity. The premium  
returned  at a maturity amount the
to the sum assured  of the premium paid
until  maturity sans the extras, if any .
In the event of the death of the assured, the sum promised  is paid to the nominee of the legal heir. The
plan has built  in Accidental  death Benefits  and Accidental  permanent Total/ Partial Disability  Benefits subject to conditions . </div>
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This plan is
marketed  under economy, protect health
the and total compacts  with graded
benefits. ING Vysya markets  a term
insurance plan with a critical  illness rider
and HDFC standard  Life markets a loan
protections  cover. Life shield  a term 
insurance plan  offered by Aviva  life insurance , LIC’s  Jeevan Anmol, Shield, the term insurance
plan  of SBI Life Tata -AIG’s  Life Plus, ICICI Pru’s  Life Guard 
are some of the well known term insurance brands. A number of the
variations  are offered  under these plans.  Though 
a term insurance  plan provides
very high protections at a minimum cost, it should be noted that it is only
temporary protection  and cannot  offer the type of the security  that a 
permanent  insurance cover can. It
should  also be noted  that if they 
a person aged 30 , considered  the
cost advantage  and takes only a term Assurance for a 
period  of 30 years and if he/she
survives the term on reaching  the
elderly  age of 60, he/she is left  high 
and dry without any insurance proceeds 
to fall back on. Even  in the US,
where the dictum buy term and invest the rest was once popular , public outlook
is changing in preference to comprehensive plans.</div>
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</div>

LIFE INSURANCE TERM AND CONDITIONS

Life insurance in its nascent is known term insurance . The every very name implies that the coverage is for a limited and specific time. A term insurance contract could be structured for any…

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