tag:blogger.com,1999:blog-300327582024-02-08T12:31:00.594-08:00My Insurance DiaryUnknownnoreply@blogger.comBlogger20125tag:blogger.com,1999:blog-30032758.post-1162207502501558062006-10-30T03:24:00.000-08:002006-10-30T03:56:01.490-08:00CONDOMINIUM KNOWHOW<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/7208/2161/1600/cyclcondo.jpg"><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;" src="http://photos1.blogger.com/blogger/7208/2161/320/cyclcondo.jpg" border="0" alt="" /></a><span style="font-weight: bold; color: rgb(102, 0, 0);">Things to remember before you buy it!<br />* </span><span style="color: rgb(102, 0, 0);">Ascertain the cost of replacing your valuables.<span style="font-weight: bold; color: rgb(102, 0, 0);"><br />* </span><span style="color: rgb(102, 0, 0);">Maintain an inventory and photographs of your personal possessions.<span style="font-weight: bold; color: rgb(102, 0, 0);"><br />* </span><span style="color: rgb(102, 0, 0);">Upgrade your unit.<span style="font-weight: bold; color: rgb(102, 0, 0);"><br />* </span><span style="color: rgb(102, 0, 0);">Check if all the measures are worth protecting your liability claims.<span style="font-weight: bold; color: rgb(102, 0, 0);"><br />* </span><span style="color: rgb(102, 0, 0);">List the valuables insured with special coverage. <span style="font-weight: bold; color: rgb(102, 0, 0);"><br />* </span><span style="color: rgb(102, 0, 0);">Check the safety features of your unit.</span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1158299702434105782006-09-14T22:46:00.000-07:002006-09-15T00:53:59.423-07:00Social Node Graph for US Insurance<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/7208/2161/1600/arrow-nodes4myblog.gif"><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;" src="http://photos1.blogger.com/blogger/7208/2161/320/arrow-nodes4myblog.gif" border="0" alt="" /></a><span style="color: rgb(153, 0, 0);">The <span style="font-weight: bold;">Social Node Graph</span> assisting the most recent studies across the US depicts a high proportion of the masses to have remained uninsured till date. The figures amount to some 42.6 million in the recent times. This has been the consequence of certain critical conditions which could have been eradicated cheaply through the initial stages. But they have turned into a grave concern for the masses of late by generating an acute health crises and demanding expensive healthcare services or ICU care.<br /><br />Apart from South Africa, the US still remains the only representative of the developed nations, that fails to offer universal coverage to all the citizens. To add to this menace, medical inflation has come up as a big jolt.<br />There might be a sudden fall in terms of insurance benefits getting awarded to employees or a sharp rise towards their premiums or deductibles.<br /><br />This unforeseen social turmoil could be explained better with the help of a Social Node graph. Lets get to the <span style="font-weight: bold;">Blue node</span> and the <span style="font-weight: bold;">Orange node</span> depicted in the above graph. Suppose if the Blue node represents an insurance broker or an insurer, <br />then he ought to reach the Orange node which would be representing a prospective customer. But as we could see from the graph, there is no direct way to reach out to the Orange node. Therefore the insurer or the broker needs to utilize either the social space or an existing one in order to anchor a new network cable. But in doing so he would be heading towards another dilemma, since the network cable would need the consent of both the parties involved and at the sametime it would be a costly social activity.</span>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-30032758.post-1157027955794778852006-08-31T05:37:00.000-07:002007-09-28T00:14:45.810-07:00Insurance checks for the DUI convicted<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.dmv.ca.gov/dl/driversafety/dsalcohol.htm"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/7208/2161/320/DUI.jpg" alt="" border="0" /></a><span style="color: rgb(153, 0, 0);">It is usual for most of the insurance companies to check the commuters' motor vehicle records once in three years or whenever a new policy is applied. In case your insurer figures out any <span style="font-weight: bold;">DUI</span> conviction involving you, then onwards you would surely feel the burden of higher premium rates or may even face a policy cancellation or nonrenewal.<a href="http://www.buyinsuranceplans.com/"> Insurance</a> companies generally follow 2 ways to deal with the customers allegedly involved in <span style="font-weight: bold;">DUI</span>. If they discover that you have been involved in DUI they are bound to raise your insurance premiums as also brand you as a high-risk driver. These activities force you to file proof of insurance for three to five years with your motor vehicles State department. In order to prevent your license suspension, your insurance company would need to offer the DMV with an SR-22 form as a proof of insurance to this department. In this case, if your insurance company cancels your insurance for any reason they need to notify this to the DMV as per the SR-22.</span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-30032758.post-1154686095227456882006-08-04T03:05:00.000-07:002006-08-04T03:20:54.916-07:00Caregivers affect the Longterm care expenditure<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://aspe.hhs.gov/rn//rn05.htm#TABLE"><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;" src="http://photos1.blogger.com/blogger/7208/2161/320/caregiver%20towers.jpg" border="0" alt="" /></a><span style="color: rgb(153, 0, 0);">A <span style="font-weight:bold;">Family/Informal Caregiver</span> may be described as an individual who provides care and/or support to a physically or mentally disabled family member, friend or neighbour who is suffering from a chronic desease. Now that people are turning away from institutional care with regards to the social diversions and effective policies, it has become more important to get them the much needed care back home or within the communities. There lies a great opportunity for family caregiving. Caregivers are thus playing a key role towards maintaining the home and community care sphere.<br /><br />Some <span style="font-weight:bold;">4.6 million</span> senior Americans have been estimated to be in real need of long-term care since they are not confined within nursing homes. The family members and informal caregivers of almost <span style="font-weight:bold;">90%</span> of them are responsible for taking care of their basic daily activities eg. bathing, dressing, fooding as well as other associate activities like cooking, shopping, sweeping etc.<br /><br />But the recent times have seen the most drastic changes in terms of informal caregiving with more access being passed on to the paid caregivers. This is simply due to the fact that more and more family members are gradually opting out of caregiving. Paid caregivers are capable of maintaining an informal way of caregiving thereby shifting the focus from the numerous nursing home care units.<br /><br />One of the important factors contributing towards changes in the <span style="font-weight:bold;">LTC</span> expenditure growth pattern is the availability of a genuine informal caregiver eg. a spouse caregiver. A reduction of public funding in <span style="font-weight:bold;">LTC</span> may see the working women quit jobs and concentrate more on informal care very soon.</span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1153735431890458812006-07-24T03:02:00.000-07:002006-07-24T03:30:14.586-07:00Wrap-Up Insurance<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.fta.dot.gov/ftahelpline/Frequently%20Asked%20Questions/Wrap-Up_Insurance.htm"><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;" src="http://photos1.blogger.com/blogger/7208/2161/320/wrap-up.2.jpg" border="0" alt="" /></a><span style="color: rgb(153, 0, 0);">A <span style="font-weight:bold;">Wrap-Up Insurance</span> program is all about covering the contractors and their subordinates associated with a huge construction project. This policy could be easily procured with the help of an insurance broker and accounts for workers compensation, general liability, and also the immense risks associated with the construction processes. The names of all the contractors and their subordinates usually get enlisted as 'insureds' within such a policy. In order to cater to the long awaiting question of construction defect/general liability claims, the GL-only wrap-ups are now coming up in states with workers' compensation troubles.Planning has therefore become an absolute necessity to see through the success of any wrap-up insurance program. Thus an unforeseen challenge is emerging out of a key success derivative in the form of skillsets aimed at program design, implementation and administration procedures.</span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1153479409294988512006-07-21T03:51:00.000-07:002006-07-21T04:07:53.616-07:00Get your Flood Insurance !<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.floodsmart.gov/floodsmart/pages/index.jsp"><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;" src="http://photos1.blogger.com/blogger/7208/2161/320/rellingflood.jpg" border="0" alt="" /></a><span style="font-weight:bold;"><span style="color: rgb(153, 0, 0);">Flood Insurance</span></span> <span style="color: rgb(153, 0, 0);">is an insurance which offers you coverage for any flood damage. Mostly the insurance companies that take part in the National Flood Insurance Program (NFIP) offer this insurance. NFIP is a joint effort from both the Federal Emergency Management Agency (FEMA) and the private insurance industry. Flood insurance protects you from getting your home and personal belongings damaged by the flood waters. The use of this type of insurance has increased with time since the homeowner policies do not cover for people who reside in places affected by floods.</span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1153471982711525522006-07-21T01:49:00.000-07:002006-07-21T02:01:32.550-07:00Insurance Quotes know-how<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.insurancehotline.com"><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;" src="http://photos1.blogger.com/blogger/7208/2161/320/quoteme.jpg" border="0" alt="" /></a><span style="color: rgb(153, 0, 0);">Insurance Quotes are now available online all over the world ! Some of the toppers in this industry are regarded as the pioneers to offer instant insurance estimates. The perfect way to judge a quote from amongst a variety is to look for the one which offers you the best coverage at the cheapest possible price. With the passage of time shopping for the insurance quotes have become easier since it can now be done online. Before you try out purchasing an insurance policy online, see that you compare various online insurance quotes, check and analyze the details of different quotes available. But at the sametime you also need to keep it in mind that while hunting for the cheapest quote you should keep an eye on its quality as well. Thus comparison-shopping online helps you achieve some of the quotes and coverages which in turn helps you determine the best insurance policy for you and your family.</span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-30032758.post-1153375626847241022006-07-19T23:04:00.000-07:002006-07-19T23:12:00.340-07:00Keyman Insurance<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.ird.gov.hk/eng/faq/keyman.htm"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/7208/2161/320/key.jpg" alt="" border="0" /></a><span style="color: rgb(153, 0, 0);"><span style="font-weight: bold;">Keyman Insurance</span> is a form of life insurance affected by a company as an assurance to compensate for any financial loss suffered by the organisation due to the death of a key employee. This insurance only accounts for the benefits stated in the plan of assurance and does not cater to the indemnification of any loss incurred. The growth and prosperity of certain organisations are directly associated with the expertise of their technical support and directors. Thus the organisations are bound to face a financial crisis due to the untimely death of such key employees. But the computation of the exact amount of sum assured is never an easy task. The appropriate amount of such coverage is assumed upon the amount of loss to be suffered by the company in the event of a key employee's death including the expenses that the organisation would incurr towards hiring and training a replacement. Thus we may arrive at the Keyman Compensation Package by assuming it to be ten times the annual compensation <span style="font-weight: bold;">[Annual total salary + Bonus + Notional value of perks(Invariable 30% of Annual Salary)] </span>offered to the Keyman as the maximum sum assured under the policy. </span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1153223893637600252006-07-18T04:50:00.000-07:002006-07-18T05:07:52.893-07:00Credit Insurance is still expensive !<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/7208/2161/1600/grp%20creditins.0.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/7208/2161/320/grp%20creditins.0.jpg" alt="" border="0" /></a><span style="color: rgb(153, 0, 0);"><a style="color: rgb(153, 0, 0);" href="http://www.exim.gov/products/insurance/index.html"><span style="font-weight: bold;">Credit Insurance</span></a> can be defined as an insurance policy that benefits a borrower in terms of a loan or credit line reimbursing all the monies owed by him in the event of his death, disability, or unemployment. The monthly premium associated with this type of insurance is calculated upon the balance owned by the borrower or the credit line or loan offered to him. This is a form of insurance where the insurance premium is largely affected by the effectiveness with which the lender is handling it. Credit Insurance is usually a more expensive means of covering one's credit balance than the Term Life Insurance policy or Disability Insurance Policy. The sub prime lending industry indulges in a different form of credit insurance known as the single premium credit insurance where in the borrower is needed to payhe premium only once during the issue of the loan. Large corporations often purchase another form of credit insurance known as the Trade <span style="text-decoration: underline;"></span>Credit Insurance in order to protect their accounts receivable from loss due to the insolvency of the debtors. </span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1153123133081480912006-07-17T00:54:00.000-07:002006-07-17T01:40:20.553-07:00Payment Protection for the UK<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/7208/2161/1600/PIE-chart.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/7208/2161/320/PIE-chart.jpg" alt="" border="0" /></a><a style="color: rgb(153, 0, 0);" href="http://www.learnmoney.co.uk/advice/advice-07.html"><span style="font-weight: bold;">Payment Protection Insurance</span></a><span style="color: rgb(153, 0, 0);"> would cover you for all those necessities as the mortgages, loans, credit/store cards or catalogue payments etc. by way of your monthly repayments in the event you meet with an accident or a certain illness where in you are not being able to work or turn jobless. Under these circumstances, the insurance company would pay for your monthly repayments or a part of it for a considerable period of time. This coverage also helps you even at the uncanny alterations of your personal circumstances. But it is all the more important to remember the period of time for which PPI remains activated, usually up to 12 months or 24 months. It is possible for you to make claims even after this period gets over, if it is said within the terms and conditions of your policy.</span><span style="color: rgb(102, 0, 0);"> </span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-30032758.post-1152772406990343312006-07-12T23:31:00.000-07:002006-07-14T03:52:37.676-07:00The Dollar Plan<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/7208/2161/1600/%24doll.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/7208/2161/320/%24doll.jpg" alt="" border="0" /></a><span style="color: rgb(102, 0, 0);">The </span><a style="color: rgb(102, 0, 0);" href="http://www.rma.usda.gov/policies/"><span style="font-weight: bold;">Dollar Plan</span></a><span style="color: rgb(102, 0, 0);"> is a vital form of protection against the declining value to damage that results in a less crop produce. The amount of insurance is calculated upon the cost involved in growing a crop over a certain area. Incase the annual crop value turns out to be lesser than the amount of insurance the outcome is a loss. The actuarial document in this respect bears the maximum dollar amount of the insurance. It is upto the insured to choose a percent of the maximum dollar amount worthy of the CAT (catastrophic level of coverage), or may be the additional coverage levels. This plan is offered for several crops like the fresh market tomatoes, strawberries, and cherries on the basis of a region-specific pilot program. </span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1152771362203774332006-07-12T23:13:00.000-07:002006-07-12T23:16:59.126-07:00Livestock Insurance<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/7208/2161/1600/LIVESTOCK.png"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/7208/2161/320/LIVESTOCK.png" alt="" border="0" /></a><span style="color: rgb(102, 0, 0);"><a style="color: rgb(102, 0, 0);" href="http://www.rma.usda.gov/livestock/"><span style="font-weight: bold;">Livestock Insurance</span></a> is a vital form of risk management strength. Producers should lay the focus towards maintaining a functional equality between all of their risk management strategies along with this policy. This has to be there in place in order to ensure a better outcome every year. The livestock farmers along with the livestock insurance agents and other associate industry specialists should chalk out a plan for both of the private and the public sectors towards designing the best risk management plan. </span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1152766161003661532006-07-12T21:44:00.001-07:002006-07-12T21:55:19.800-07:00Currency Insurance<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/7208/2161/1600/currency.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/7208/2161/320/currency.jpg" alt="" border="0" /></a><span style="color: rgb(102, 0, 0);"><span style="font-weight: bold;"><a style="color: rgb(102, 0, 0);" href="http://www.westpac.co.nz/olcontent/olcontent.nsf/Content/Currency+calculator_Agribusiness?OpenDocument&ConvertFrom=INR&ConvertTo=LKR&Amount=1&selltotal=2.18&sellrate=63.2909&type=foreign">Currency</a> Insurance</span> enables you to pay a premium towards fixing a pre-approved exchange rate at a particular date in the near future.</span> <span style="color: rgb(102, 0, 0);">Incase your dollar goes up by that pre-decided date, you may have the assurance that you may still buy or sell your dollars at that exchange rate. But on the other hand if your dollar value falls, you're not obliged towards your <a style="color: rgb(102, 0, 0);" href="http://www.westpac.co.nz/olcontent/olcontent.nsf/Content/Currency+calculator_Agribusiness?OpenDocument&ConvertFrom=INR&amp;amp;amp;amp;amp;ConvertTo=LKR&Amount=1&selltotal=2.18&sellrate=63.2909&type=foreign">Currency</a><span style="color: rgb(102, 0, 0);"> </span><span style="color: rgb(102, 0, 0); font-weight: bold;">Insurance</span> and may still get the benefits of a lowered dollar value. Hence you are always in a win-win situation. Therefore its worth saying that your currency insurance might protect your returns from a higher dollar value and also benefits with a fallen value ! </span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1151140087804156822006-06-24T01:59:00.000-07:002006-06-24T02:14:07.536-07:00Pay for your precious eyes..<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.lanl.gov/worklife/benefits/health/vision.shtml"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/7208/2161/320/vision.jpg" alt="" border="0" /></a><span style="color: rgb(102, 0, 0);">Now-a-days most of the employers would certainly offer you a</span><span style="font-weight: bold; color: rgb(102, 0, 0);"> <a href="http://www.lanl.gov/worklife/benefits/health/vision.shtml">Vision Insurance</a></span><span style="color: rgb(102, 0, 0);"> coverage. According to a survey conducted by the Society for Human Resource Management, most of the small businesses provide a Vision Insurance. Most of these plans would cover for eye check-ups and your spectacles. This is a type of insurance is quite affordable and can be easily procured. And eyes being our most precious gifts, we can certainly afford to pay $50 a year.</span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-30032758.post-1151063825904899462006-06-23T04:27:00.000-07:002006-06-23T04:57:05.923-07:00Your Credit Score decides your Insurance<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/7208/2161/1600/creditrep.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/7208/2161/320/creditrep.jpg" alt="" border="0" /></a><span style="color: rgb(102, 0, 0);">According to some insurers there exists a connection between financial credibility and insurance losses. Your </span><a href="http://www.insurance.wa.gov/factsheets/factsheet_detail.asp?FctShtRcdNum=16#6"><span style="font-weight: bold; color: rgb(102, 0, 0);">credit report</span></a><span style="color: rgb(102, 0, 0);"> might seem to be an important tool to figure out your financial credibility. Its assumed that if your report reflects a lower financial responsibility you are prone to file more claims and so it necessitates you to pay more towards insurance. Some of the consumers are of the opinion that the credit report is not a convincing tool to calculate the premiums or to decide whether a person should be insured or not. Thus they explain a negative effect of credit data on the minority groups. </span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1150887761679506162006-06-21T03:29:00.000-07:002006-06-21T04:08:37.623-07:00Get your Long Term Care today !<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/7208/2161/1600/images.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/7208/2161/320/images.jpg" alt="" border="0" /></a><span style="color: rgb(102, 0, 0);">It would be easier for you to opt for a <a style="color: rgb(204, 0, 0);" href="http://quickguides.org/health-insurance/long-term-care-insurance.html">Long Term Care</a> Policy offered by the private insurers. But at the same time keep an eye on the offers that come your way through your employer. These offers may also sound good for your parents too !</span><o:p></o:p><br /><p style="color: rgb(102, 0, 0);" class="MsoNormal">The long term care benefits offered by the federal health insurance program are very limited and may need you to pay fairly large amounts as co-payments. The benefits offered to the low-income groups in <st1:country-region st="on"><st1:place st="on">U.S.</st1:place></st1:country-region> are subject to strict financial eligibility criteria and for the other public services you may need to trudge through a long waiting list.</p><span style="color: rgb(102, 0, 0);"> </span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1150883783096077482006-06-21T02:55:00.000-07:002006-07-13T04:09:39.786-07:00Workmen's Compensation Insurance<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/5622/3099/1600/trio-worker.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/5622/3099/320/trio-worker.jpg" alt="" border="0" /></a><span style="color: rgb(102, 0, 0);">According to the </span><span style="font-weight: bold; color: rgb(102, 0, 0);">Workmen’s Compensation Act</span><span style="color: rgb(102, 0, 0);">, the Workmen’s Compensation Insurance is a must for every employer now-a-days. The lawful liabilities of the employer against his dead or injured employees are covered by this insurance policy.</span> <p style="color: rgb(102, 0, 0);" class="MsoNormal">This coverage includes all the accidental or fatal injuries that can not be overlooked by a responsible employer. With an agreement to pay an additional premium to his insurer, the employer might even skip the medical, surgical and hospitalization charges associated with such an event. The amount to be insured depends on the yearly wages of the workmen for that insured period. Thus the final settlement with the insurer can be achieved only after the policy expires or if the claim is supported by the statement of actual wages received by the employees for that period.</p>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1150883607796071692006-06-21T02:53:00.000-07:002006-06-21T02:53:27.796-07:00Terrorism Risk Insurance Act<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/5622/3099/1600/tower.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/5622/3099/320/tower.jpg" alt="" border="0" /></a><br /><span style="color: rgb(102, 0, 0);">Prior to September 11, the chances of property damage were much less and as a result of that insurers were more confident of offering free Terrorism Coverage. The task of re-assessing the risk factor has been instigated mainly by the impact of the September 11 incident, which led to the scarcity of the Terrorism Coverage. Reinsurers were busy identifying the risk-prone urban localities where they would not be offering Terrorism Coverage anymore. The state insurance departments were flooded with requests from the leading insurers for letting them eliminate terrorism coverage from the policies they offered. The Congress had no other option but to pass the <span style="font-weight: bold;">Terrorism Risk Insurance Act</span> (TRIA). In order to know more about TRIA click <a href="http://www.iii.org/media/hottopics/insurance/terrorism">here</a>.</span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1150883462791283482006-06-21T02:50:00.000-07:002006-06-21T02:51:02.793-07:00an era of new resolutions...<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/5622/3099/1600/fighter.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/5622/3099/320/fighter.jpg" alt="" border="0" /></a><br /><span style="color: rgb(102, 0, 0);">Hi everyone...!</span><br /><br /><span style="color: rgb(204, 153, 51);"><span style="color: rgb(102, 0, 0);">Its for quite sometime that I'd been wondering about how to use my blog for a good cause...</span><br /><span style="color: rgb(102, 0, 0);">now that I'm working for an insurance website...I'd like you guys to comment towards the growth o' an Insurance Community that spells confidence and value for money !</span><br /></span><br /><span style="color: rgb(153, 0, 0);"><span style="color: rgb(102, 0, 0);">I'm sure you'd be enjoying it as one o' your favorite pastimes as you cruise into a very distinct domain. I've seen a couple of blogs generating a wholesome community and ushering in an era of new resolutions for the future... Lets hope...that we can make it big...and preserve our goodwill for a good cause !</span></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-30032758.post-1150883248519427292006-06-21T02:46:00.000-07:002006-09-06T22:23:20.886-07:00ARINDAM'S WEBWORLD<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/5622/3099/1600/mum.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/5622/3099/320/mum.jpg" alt="" border="0" /></a><span style="color: rgb(0, 0, 0);font-family:verdana;" ><span style="color: rgb(255, 102, 0);"><span style="font-weight: bold;">Welcome 2</span> <span style="font-weight: bold;">My Webworld !</span></span><br /></span><br /><br /><span style="color: rgb(0, 102, 0);font-size:100%;" ><span style="color: rgb(204, 51, 204);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 102, 0); font-weight: bold; font-style: italic;">THANKS</span> <span style="color: rgb(0, 102, 0);">TO ALL</span> <span style="color: rgb(0, 102, 0);">MY <span style="font-weight: bold;"><span style="font-style: italic;">FRIENDS</span> </span>FROM</span> <span style="color: rgb(0, 102, 0);"><span style="font-weight: bold; font-style: italic;">MUMBAI</span> !</span></span></span></span><br /><br /><span style="color: rgb(204, 102, 0);font-size:100%;" ><span style="color: rgb(51, 0, 51);"><span style="color: rgb(153, 51, 153);"><span style="color: rgb(204, 102, 0);">Himeer Z, Vaishali Shirke, Riddhi Bakshi, Priti Saini, Sheba Mathew</span></span><span style="color: rgb(204, 102, 0);"> </span><span style="color: rgb(153, 51, 153);"> <span style="color: rgb(204, 102, 0);">, Mahesh Uchhada, Diana Pendigrast, Greta Buthelo, Nisha Samson, Rutuja Padwal</span> <span style="color: rgb(204, 102, 0);">n lots o' others.......who I didn't forget !!<br /><br /></span></span></span></span><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/5622/3099/1600/USUK.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/5622/3099/320/USUK.jpg" alt="" border="0" /></a><span style="color: rgb(0, 102, 0);font-size:100%;" ><span style="color: rgb(204, 51, 204);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 102, 0); font-weight: bold; font-style: italic;"><br />THANKS</span> <span style="color: rgb(0, 102, 0);">TO ALL</span> <span style="color: rgb(0, 102, 0);">MY <span style="font-weight: bold;"><span style="font-style: italic;">FRIENDS</span> </span>FROM</span> <span style="color: rgb(0, 102, 0);"><span style="font-style: italic;"><span style="font-weight: bold;">ABROAD</span></span> !<br /><br /></span></span></span></span><span style="color: rgb(204, 102, 0);font-size:100%;" ><span style="color: rgb(51, 0, 51);"><span style="color: rgb(153, 51, 153);"><span style="color: rgb(204, 102, 0);"> Debashis Poddar, Misty Valdez, Adriana Valverde, April Tidwell, Barbara Almeida n others....who I miss a lot !<br /><br /></span></span></span></span><span style="color: rgb(102, 0, 204); font-weight: bold;font-size:100%;" ><br /></span><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://photos1.blogger.com/blogger/7208/2161/1600/victry.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://photos1.blogger.com/blogger/7208/2161/320/victry.jpg" alt="" border="0" /></a><span style="color: rgb(102, 0, 204);font-size:100%;" ><span style="color: rgb(204, 51, 204);"><span style="color: rgb(51, 0, 51);"><span style="color: rgb(0, 102, 0);"><br />ALSO....A LOT OF</span> <span style="color: rgb(0, 102, 0);"><span style="font-weight: bold; font-style: italic;">THANKS</span> TO ALL MY</span> <span style="color: rgb(0, 102, 0); font-weight: bold; font-style: italic;">FRIENDS</span> <span style="color: rgb(0, 102, 0);">FROM</span> <span style="color: rgb(0, 102, 0); font-weight: bold; font-style: italic;">CALCUTTA</span> <span style="color: rgb(0, 102, 0);">!<br /><br /></span></span></span></span><span style="color: rgb(204, 102, 0);font-size:100%;" >Sumilita Mukherji, Joy Dasgupta, </span><span style="color: rgb(204, 102, 0);font-size:100%;" >Monamie Chakrabarty, Ratnashree Sarkar,</span><span style="color: rgb(204, 102, 0);font-size:100%;" > Rajyashree Sarkar, Sekhar Saha, Amartya Basu, Rajesh Roy,</span><span style="color: rgb(204, 102, 0);font-size:100%;" > Debashis Ghosh, Saikat Sengupta</span><span style="color: rgb(204, 102, 0);font-size:100%;" >..who're with me forever !<br /></span>Unknownnoreply@blogger.com0