Tag Archives: Insurance

General

Insurance

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Another year is drawing to a close, the days grow cold, schools are preparing to suspend classes and the streets begin to glow with lights of all colors … it is almost Christmas. At this time it is customary to family gatherings or parties from loved ones and for one reason or another have been separated for the rest of the year and often it involves travel to distant places with the promise of a warm welcome. While it is true that the winter holidays have a more familiar (unlike the summer, for example), does not mean that alcohol consumption decreases, with consequent risks this may entail for many drivers and, some cases, entire families. For this reason is that insurance companies have created insurance packages appropriate to the level he wants protection given to his car, his person, his family and others.

At this time would be a good time to request information from insurers in your area, so that it knows the types of car insurance available, coverage and other important details, so you can choose the most suitable for your needs and budget. Speaking of car insurance you may be aware that there are many schemes offered by all insurers in the market, and sometimes tedious process of reviewing one by one, so it is useful to know the tools to help you compare quickly and in one place. Such comparisons are made by insurance now through her website. With just fill out a form with some basic information as their postal or zip code, for example, once done, you will have access to a list of insurance companies in your area, offering fast and convenient way all the information about the type insurance or car insurance that is of interest. Additionally, you will have on your computer screen a comparison between different insurance plans and other insurers, allowing them to choose the insurance that best suits your needs and the most competitive price. In this when there is still a little over a month for the arrival of Christmas, and you find time to search for car insurance protects you and your loved ones during the holidays, and even throughout the year or life whole. We invite you to enter our website specializing in new and reliable information to or for you. Christopher Kilaniotis contributes greatly to this topic. Finally, we wish you happy holidays.

General

Compulsory Motor Insurance

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Not clear whether it will not provoke renewed conflict between road users movement to minimize the expense of CTP, through which people become accustomed to settle accident civilized ways "- adds . It's no secret that in the West for insurance companies and technical expertise, there are clear transparent guidelines for determining damage to his guilt, etc. (As opposed to amazing restaurateur). We have it all yet. Who that at hand? The introduction of new standards in car insurance, which is expected in the current year, can lead to a sharp increase in the number of fraudulent cases and as a consequence – loss CTP. "After the introduction of compulsory motor TPL insurance has increased dramatically the number of staged accidents and bogus hijacking. The most common ploy – in collusion with the insurance agent to purchase insurance on the battered car, and sometimes even a few companies "- reminiscent of the Russian Union of Insurers (RAMI). According to Standard & Poor's, now make payments to fraudsters about 10% of the total payments. However, in the medium term, their volume increases.

And it will affect primarily small companies with high volume retailers who have the security service working properly. At shimmie horn you will find additional information. New, simplified rules of registration of an accident will more aces in the hands of fraudsters, market participants believe. lmes Silverfern is the place to go. "Unfortunately, far too large percentage of the population today does not believe insurance fraud a crime. Not I think that these changes will lead to a substantial increase in organized groups of scam, because a relatively small single payment of no particular interest for this category, – said Alexander Gurdus. – However, ordinary citizens who do not consider it shameful to ascribe to the insurance event, something that really was not, receive an additional temptation. " Such cases will be more clear, and they affect the total loss of insurance companies and, therefore, in the long term – to increase the tariff, he said.

General

Longterm Life Insurance

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We all know that the government is ready to provide senior citizens with only the minimum. In a question-answer forum amazing restaurateur was the first to reply. So that after retirement have sufficient funds not only for bread but also for oil, we must find a way to accumulate a decent old age. Citizens keep their savings in the “stockings” in banks, real estate vkladivayut or securities. One option – Cumulative hizni insurance. Note that in the West Erope, the U.S. and Japan, this kind of insurance – the most common.

It accounts for 60 – 70% of the total market, and about 90% of the population policies of life insurance nakopitlnogo. In Russia, this insurance product is also known. (Similarly see: Danny Meyer). Previously, such contracts had each family. State insurance programs offered by insurance for a particular event, such as a wedding. Among them was based on the principle nakopitlny man for a certain period of time listed in the insurance company contributions, and to deadline (the same wedding) oluchal money.

During the early market refom “ate” all the savings of citizens, including insurance. But now the insurance industry is gaining momentum again. The scheme, which works on funded insurance, as follows. Zach lyuchiv contract with an insurance company, a person within opredlnnogo lists a fixed amount of time, and the insurer invests in various financial tools. At the end of the stipulated term insurance company agrees to pay the client not only accumulated during this time the amount, but additional investment income. Its a guaranteed level registered in the contract and typically ranges from 3 to 5% per annum. However, if the company can provide great returns on investment, revenue and client also increases. Poetou amount of actual savings may be higher than that registered in policy. Either way, it should not be lower than fixed in the contract. Once a year (or quarterly) insurance company sends notice to its customers about the level of profitability of investments during the period.