Insurance Law and Policy: Cases and Materials, 2nd Edition

Insurance Law and Policy: Cases and Materials, 2nd Edition

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Insurance Law and Policy: Cases and Materials, Second Edition, authored by Tom Baker, a well-known and highly regarded figure in insurance law teaching and scholarship, is a contemporary text that stresses the big-picture role of insurance in American business and society. Thoroughly revised for currency in its second edition, this highly regarded casebook continues to be interesting and eminently teachable.

Among the features that made this casebook a success:

Coverage that focuses on the big picture of federal-state regulatory roles in addition to the traditional insurance coverage topics;

Extensive use of statutory materials, presented through problems;

Manageable assignments, most structured to contain one major case followed by informative notes and questions and a problem;

Interesting, well-edited, up-to-date cases on topics such as the World Trade Center attack, Katrina, and the latest Supreme Court decisions on punitive damages and employment-

Insurance Law and Policy: Cases and Materials, 2nd Edition

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Valuation of Life Insurance Liabilities: Establishing Reserves for Life Insurance Policies and Annuity Contracts

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Valuation of Life Insurance Liabilities: Establishing Reserves for Life Insurance Policies and Annuity Contracts

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insurance policy?
starting i advice you to take 2 policies .
1, for you with your son as your nominee to meet any contingency in case you die . this policy will also be a form of savings for you in future . plan this policy such that it matures when your child is ready to go to collage or gets married or so.

2,read this well take a child linked policy . that your life is insured and the money is paid to your child in case you die when the child is 18 or so. once you die there is a clause that says that no premium needs to be paid till the child is 18

but dont worry it will not happenHi, This is very nice to know that I you are interested in a life insurance policy for your child. Up to my knowledge you must be considered about your child's education plan.
you have following options
1) Invest in any saving plan either Mutual funds/ post office/ bank FDs
2) Life Insurance on your child
3) Insurance on your/ your husband's life.

This is you to who has decide:
My Suggestions:
a) If you want maximum returns with assurity of deposits you must go for post office schemes.
b) if you have knowledge of Mutual funds [MFs] you should go for ULIPs or Direct MFs.
c) you will get maximum benefits by taking a policy on your/ your husband's life.

Private or LIC of India
No doubt LIC has completed 50 yrs in the sector of Life insurance and is backed with Government of India. But private players are also offering good plans. IRDA is the monitering organization on all these life insurers.

* AMP Sanmar, A pvt life Insurer had closed its business with in 2yrs.


The best is first you decide for the parameters you want for your future then go ahead.

About Me.
Life Insurance Advisor for LIC of India form last 5yrs.All Insurance companies have a variety of policies. I would advise you to go for a term policy or money back policy for 25 years; as may suit you.
i am mentioning 25 years term, because by then you may retire or near retirement and your son will reach almost independent status.
money back policy will provide you with cash in between, which you can use of son's education. nowadays education is becoming very expensive.
All providers are governed by insurance regulatory authority of India. However, the returns differ, and there is no guarantee that returns will follow suit with historical performance.
investment in mutual fund is not an alternative for insurance.
the objectives are different.
Hence do not compare them on the basis of returns for making decisions.This is an experience I am giving you.

Have insured with LIC, even though their offices are dirty and their employees are little shabby, this is the only company which follows the regulator guidelines.
When I bought a product from a private co. I was told that I have to pay 10,000 for 3 yrs and I will get back more than 50,000, but to my shock I didn't even receive the amount paid.
Private co., are fleecing the unaware customers.
Be careful in selecting the company.

Health Insurance Policy Terms

(Best Syndication) Employer based health coverage is disappearing leaving many employed individuals to make their own health care insurance decisions. Due to the high cost of health insurance, many employers are either scaling back their coverage or eliminating it all together, according to a survey by the non-partisan Kaiser Family Foundation. So what are the differences in health care planes, and which one is best for you? This presentation will provide some information. But first: what is health insurance? Health insurance is a form of group insurance, where policy holders share the risk. Not everyone gets sick at the same time, so most of the premiums go to paying the expenses of those who are. For the most part, in the United States, health insurance is provided by private insurance companies who must make a profit. . Here are some terms: Premium: A premium is the amount of money the policy holder pays each month for their coverage. Deductible: The deductible is the amount the policy holder has to pay out-of-pocket before the health plan kicks in and pays. If a policy holder has a 00 deductible, he or she must pay the first one thousand dollars. The expenses may include doctor's visits, medication, hospitalization etc. Copayment: The copayment is the amount that the policy holder must pay for a doctor's visit or other service. For instance, a policy holder may have to pay a co-pay for each doctor visit. Coinsurance: Coinsurance is similar to a copayment ...

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