16 Nov

Claims Payment Record Of The Private Insurance Companies

As we know, there are 20 odd private life insurance companies in India, and there is LIC which is a public sector company. LIC is the 800 pound gorilla, managing to hold on to about 75% market share even 10 years after private companies have been allowed into the life insurance space. The private life insurance companies position themselves on being more customer friendly, wider array of products etc while LIC holds on to its positioning of trust, experience and government backing. One of the key parameters on which to judge a life insurance company is their claims payment record. At the same time, we must note that given that life insurance has become more of a savings and investment product, the returns that they provide are perhaps more important than claims payout ratios. Nevertheless, claims record is definitely not a variable to be ignored.

A table illustrating the claims rejection percentages of the top life insurance companies in 2009-10 is presented below:

Life Insurance Company
Claims rejection ratio (%)

LIC 1.21%
Aviva 9.75%
Bajaj Allianz 5.2%
Birla SunLife 10.62%
HDFC Life 4.67%
ICICI Prudential 3.27%
ING Vysya 4.26%
Kotak Mahindra 4.29%
Max New York Life 12.31%
MetLife 5.94%
Reliance Life 7.05%
SBI Life 14.75%
Tata AIG 12.3%

An important observation from the above table is that the claims rejection ratio of LIC is the lowest, thus implying that their record is the best as far as claims payment is concerned. At the same time, the very high percentage of claims rejection of SBI Life and Max New York Life surely comes in as a surprise.

It must however be noted once again that in Unit Linked products that life insurance companies promote aggressively (or at least was promoting till Sep 2010) , the returns earned on the fund is perhaps a more important variable than the claims payment (or rejection) ratio. However, for non life insurance companies, which offer pure protection/insurance products with no savings or investment component, claims payment is the crucial variable along with the speed of processing of claims.

Let us now look at the incurred claims ratios of the non life insurance companies:

Non Life Insurance Company
Incurred claims ratio

New India Assurance 89%
Oriental Insurance 99.69%
United India Insurance 78.62%
National Insurance 99.16%
Royal Sundaram 68.95%
Reliance General Insurance 77.3%
Iffco Tokio Insurance 83.44%
Tata AIG 60.54%
ICICI Lombard 85.35%
Bajaj Allianz 71.9%
HDFC Ergo 80.73%
Bharti Axa 104%%

One data point that stands out from above is that Tata AIG General Insurance seems to be sourcing the best quality business from the underwriting point of view, whereas the claims payment ratio of Bharti Axa seems to be quite high. Alo,the claims payment ratio of the public insurers, at an overall level, is higher than that of the private non life insurers.

15 Nov

Outdoor Advertising And Its Application

How to organize an advertising campaign using outdoor advertising? Is it possible to calculate the effectiveness of outdoor advertising? Which is better to use light boxes, as well as how much and how long they need to be applied?
In order to get the answer to these and many other questions, we turn to marketers world-famous advertising agencies whose job every day to create the most creative and effective advertising.
The focus of the outdoor advertising
Head of the worldwide popular advertising company RI-Vita DDB, says that outdoor advertising has a specific character, as its objective is to draw attention of consumers in a matter of seconds. On this basis, it should not be verbose and bright. It should be noted that in Russia, advertisers often overdo it, placing on light boxes are too complex for the perception of the image or randomly located and long slogan. For example, on light boxes found around the slogan, caterpillar, vertically, diagonally, etc. Rinta-Valkama, which has twenty-five years of experience in advertising work, I am convinced that the slogan should be easy to read.
In addition, studies of marketers spend passersby to read the advertising signs only 35 seconds, and drivers – 12 seconds. Not all light boxes placed on the streets are consistent with the conditions of perception.
According to the manager of the agency for the preparation of urban projects – Elite Zunino: outdoor advertising like the bright and unexpected design more than any other media.
Simply put, a good outdoor advertising should be colorful, showy, alternating with, concise (preferably less words). Billboards have to stand in its place. Because no one will solve the riddle that is placed on a large construction, these designs are meant for cars. A puzzle should be placed, for example, to transport stops.
The task of the outdoor advertising
Of advertising is recognized the most effective option for brand promotion. The contents of the advertising structure shall be fully associated with the brand. For example: a company Dougan, who registered the brand has recently released the advertising banners on which was depicted only the logo. It is believed that the higher income customers, the most effective outdoor advertising works.
Very pochastu illuminated signs found on the streets of the city in recent times and it is very loved by marketers. Because that’s what this kind of outdoor advertising is mainly aimed at an audience with above-average incomes. Especially good lighting channel letters and light boxes in the winter, when the quality is very elegant product stands out against the background of darkness and empty cityscape. In addition, the large volume letters can be placed on the so-called, city-format in a short time.

14 Nov

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If you’ve one, the low credit score, you know how frustrating it may be to make an effort to have a loan. Ken Abbott, a retired postal employee, didn’t use the loan program but took advantage in the lower installation prices that resulted in the large variety of buyers. The lender will personally show up for the borrower thereby collect the full borrowed amount along while using monthly interest. So it is possible to see that even though you have a bad credit score doesnt mean that you simply have to miss on getting approved for a loan. Now in the event the business owner already includes a bad credit to his name, it could become hard for home to get instant loans from any financial lender as he can be considered like a risky. With a bridge loan, which cover anything from 12-36 months, you can secure your new home using the equity on your existing home.

14 Nov

Reasons Why You Should Use Billboard Advertising

Billboard advertising is the buzz in the economic world. If you want to advertise your latest products, or be recognised for your state of the art services, advertising with billboards is the key to your success. No wonder many companies prefer advertising with the use of billboards over other means of making their products and services known to the public.

Why billboards?

Do you see billboards along the streets, the highway, and in business areas around your home? Do you see them advertising the latest products or services offered by a company? Indeed, you see them almost everywhere you look.

They come in different sizes and feature a wide array of products and services. Here’s why billboards are more preferred than other methods of advertising:

They are eye-catching

Billboards are one of those things that can easily catch your attention. Whether you are walking in the streets, or stuck in traffic, you can get hooked looking at their colourful display and what the advertiser has to offer.

Others even go to the extent of having popular actors endorse their products and reflect that in their billboards. These are enough to arouse the interest of consumers and make them want to know more. Further, their huge size is visible and clear to see, even at a distance.

They are practical

Why do you have to spend thousands of pounds just to have your product and services advertised? Television advertisements can cost a great deal of money, since you would have to buy airtime everyday. The same thing goes with advertising over radios. With billboards, all you have to do is pay a specific amount and the advertising company will handle everything. You will have your billboard visible to the public depending on your contract. It can stay there for a month or even for a year. There are also advertising companies that offer free repair in case of any damage.

They are convenient

Billboard advertising is definitely more convenient than other means of advertising. You no longer have to come up with jingles or scripts, or hire people to do your commercials. Moreover, it only takes a few days to put up a billboard, which makes it ideal for companies who want to make their products known to the public in the quickest time possible. Billboards can reveal everything, from the name of your product, to its amazing features. People who look at your billboard can tell exactly what you offer and how to avail of your services. They do not necessarily require famous personalities to catch the interest of consumers. In case you want a different style put up, you can change the layout and design anytime you desire.

Billboards can do wonders for your advertising needs. Make sure you find a good advertiser that can work on your billboard according to your own design and preference. It is also wise to look for advertisers that offer an excellent package at a reasonable price.

10 Nov

California Victim of Financial Elder Abuse Says Bank Did Not Question Withdrawals

A recent victim of financial elder abuse claims that Bank of America did not question transactions when she withdrew money. The senior citizen victim was allegedly scammed out of approximately $35,000. Police are searching for a black woman in her 40’s who disappeared with the money. California financial elder abuse attorneys warn seniors to be wary when people they do not know well as them to withdraw money from their accounts.

According to authorities in this case, the suspect told the senior citizen victim that the president of Bank of America had contacted her and told her that he need the victim to pull money out of the bank. The suspect promised the victim $572,000 in return for doing so. The victim then withdrew $12,000 from a Bank of America in Redlands, California, and another $23,000 from another Bank of America branch in San Bernadino, California. California financial elder abuse attorneys warn seniors that bank officials will not ask them to withdraw money from their accounts.

Bank of America officials say that there are security efforts in place to protect senior citizen customers from financial elder abuse. Bank of America has stated that bankers and tellers receive extensive training to identify banking transactions that are out of the ordinary. Bank of America officials also stated that they follow applicable state laws which may include contacting Adult Protective Services or local law enforcement. California financial elder abuse attorneys remind the public to be vigilant regarding financial elder abuse.

In this case, the suspect befriended the stranger in a grocery store parking lot. After the money was removed from the accounts, the suspect told the victim that the bank president wanted them to put the money in the victim’s trunk and return to the other Bank of America branch to fill out paperwork. The suspect then went to use the bathroom and disappeared with the money.

Evans Law Firm, Inc. handles elder abuse, financial elder abuse, physical elder abuse, annuity fraud, consumer fraud class actions, insurance and banking fraud cases. If you think that you have witnessed or are the victim of elder abuse, or financial fraud then contact Evans Law Firm, Inc. at 415-441-8669 for a free and confidential consultation, or email us at

10 Nov

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8 Nov

Life Term Insurance- Know 3 Best Insurance Companies In India

If you are reading this article then you must be interested in knowing about the 3 best insurance companies in India. Over the years, the market for the online term life insurance has been heating up with more number of players getting into the fray and the existing ones planning to take the pricing down.

HDFC Life

HDFC Life is one of the significant private life insurance companies that the country has today. Today, HDFC has its online life term insurance plans like HDFC Life Click2Protect which provides a range of benefits including tax benefit and discounts on non tobacco user and healthier individuals. HDFC life insurance online offer you life cover of up to 100 crore at a nominal cost. Hence, you can secure the future of your family in easy and quick steps.

The other plans or offerings of HDFC life insurance include HDFC term assurance plan, HDFC loan cover term assurance plan, HDFC SL YoungStar Super Premium, HDFC Savings Assurance Plan, HDFC Life Sampoon Samridhi Insurance Plan, HDFC SL ClassicAssure Insurance Plan, HDFC Single Premium Whole Of Life Insurance Plan, HDFC SL ProGrowth Maximiser, HDFC SL Crest, HDFC SL ProGrowth Super II and HDFC SL New Money Back Plan etc.
It would be advised to compare the HDFC life insurance quotes with your needs and requirements in order to select the right plan.

SBI Life

SBI Life brings a wide variety of insurance products which are specifically designed in accordance to the different requirements of the customers. SBI Life offers different products including pension plans, money back plans, saving plans, protection plans, child plans, and unit linked plans are all available for the patrons. SBI Life even provides a range of group products like Group Plans, Health Plan, Unit Linked Plans, Money Back Plans, Pension Plans, and Saving Plans etc.

SBI Life enjoys an unusual multi-distribution model which encompasses retail agencies, bancassurance, corporate solution, institutional alliances etc. If you are interested in SBI life insurance products, make sure you compare the SBI life insurance quotes to find out the best plan for you.

LIC term insurance
The Life Insurance Corporation of India is a familiar name in the insurance market. Perhaps, LIC is one of the major players in the insurance business offering different policies to public. This is a government undertaken organization. Each year Life Insurance Corporation produces several new policies to offer insurance a new look. This is mainly to focus on the life insurance sector. Each policy has its limits and rules. It is an advice to customer or user not to purchase policy directly. First of all, you must check out the policy details and then go forward for buying.

Today, different insurance companies are found in the market to offer good facilities to its dearest patrons but only a few offer good facilities to their customers. Out of the few, LIC Insurance Corporation has been one of the leading companies in the present market.

7 Nov

Leprechaun balloons The new face of advertising

Advertising balloons have become a smart and easy solution to the advertising needs of businessmen. They provide a valuable and cost-effective method to display their products in the market and also in public. They can easily attract the attention of the masses and can promote anything from a business event to a private store. In comparison to other advertising media, custom advertising balloons prove to be more user-friendly and helpful for the advertising world. Our Arizona balloon company, is one of the largest producers of advertising blimps and balloons all over the US. Our balloons are most durable, reliable and available at rational prices.

We have a high range of advertising balloons comprising all shapes and sizes. These balloons are really amazing and filled with lots of colours and we proudly configure them as per the requirements of the clients. Our balloons are light in weight and possess sleek looks. They are stronger than the traditional PVC balloons and therefore, more dependable. These balloons can be used several times and can be easily inflated by a single person in few minutes. We also have a huge stock of leprechaun balloons and elf balloons. These balloons fit to be displayed at all occasions and assure good profits to all businesses. We have a team of highly skilled and qualified designers who assist our customers in designing their advertising balloons to suit their needs. We have different varieties of balloons like Advertising inflatables, sun inflatables, cold air balloons, custom advertising balloons, smiley face balloons etc.

Our company Arizona balloons (company name), has always aimed at total customer satisfaction and believe in maintaining long term relations with them. We have a trusted name in the custom advertising balloon market and earned immense credibility. We provide all kinds of services to our clients including designing of balloons, rental, sales and services of advertising balloons.

6 Nov

Compare health insurance for the best Buy!

Do you know that hospitalization bills are the biggest cause of bankruptcy? It is but a fact that we ignore our health given the hectic busy schedules. With improved standards of living, lifestyle diseases have only been added to the existing kitty of diseases. It is all about staying financially prepared for any health risks. Yes, you may not have a history of illnesses, but they can victimize you any time. A mediclaim policy acts as a shield, giving you financial protection against any medical emergency you may face during the policy period.

Know what your health preferences are and get your family members insured too in a single plan, i.e. family floater. Compare health insurance plans for an informed buying decision. Because buying the right mediclaim policy does matter here!

Star Health, Reliance, Bajaj Allianz, ICICI Lombard, Apollo Munich, TATA AIG, Oriental, Max Bupa – these are few of the top mediclaim policy providers in India. Plans offered by these insurers vary on certain aspects though basic benefits offered are similar. A comparative analysis is the answer here. Here is an online insurance aggregator that has catered to the insurance needs of over 20,000 satisfied customers. It is EIndiaInsurance.com. This website enlists all the aforementioned top insurers. It runs user-friendly tools, facilitating buyers compare health insurance plans effortlessly and fast.

What the buyer seeks to buy is the best and the cheapest; at EIndiaInsurance.com the best and the cheapest policy is assured. Just filling in a few details, you get quotes for free and compare policies in terms of benefits and premium amount. EIndiaInsurance facilitates the buyer to pay via three payment modes, viz. credit card, debit card, and cheque. Once the transaction happens, you will receive an email acknowledgement and e-document of the policy papers. Compare health insurance plans at this website and stay secured for your health.

One mediclaim policy worth mentioning here is Max Bupa Health Insurance. There are three different plans to choose from – Heartbeat (family floater and family first), Health Companion, and Health Assurance (for critical illnesses) available for both individual and family options. The first two Max Bupa Health Insurance plans are further categorized under silver, gold, and platinum.

As many as 20 critical illnesses are incorporated in the Health Assurance plan. Ensure that the sum insured is enough to meet the possible hospitalization expenses. Max Bupa Health Insurance provides guaranteed cash benefit equivalent to sum insured on diagnosis.

4 Nov

Dealing With The Insurance Adjuster After Water Damage

A water damage event his hit your home, and one of the first things you should do is to check your insurance policy or call your insurance agent and determine if your damage is covered. Even though you may be faced with plenty of damage and the beginning of mold, all homeowners policies dont automatically cover all types of water damage.

Once you understand what your policy covers, then you can quickly begin to remediate the damage to your property and begin to get the information to file a claim assuming you know what will be covered, according to the web site insure.com.

First and foremost, as some residents of New Orleans and the Mississippi Gulf Coast learned during Hurricane Katrina in 2005, a flood is not covered by homeowners insurance. Floods are only covered by flood insurance thats issued by the National Flood Insurance Program and cant be bought through nearly any insurance company.

Heres the kicker, though. Flood insurance policies have a ceiling not shared by homeowners insurance, and a separate level for contents that many people dont bother to adjust to their situations. So many homeowners in New Orleans wanted their homeowners insurance to handle the situation, because it provided more coverage.
Water damage from a leaking room is covered by most homeowners insurance, though the damage to the roof is not. Thats because of the generally accepted principle that anything related to maintenance falls to the homeowners. Roofs need to be properly maintained so the roof damage is not allowed.

Likewise, water from an appliance overflowing or pipes freezing and bursting, are both covered. Again, insurance companies general cover water damage if it was a sudden, catastrophic event, and not, as insure.com explains, a gradual wear and tear over time that proper maintenance could have avoided.

And two final areas of water damage: Seepages from the ground into the basement and sewer backup. Neither of these are covered by homeowners insurance. Seepage clearly is a gradual event that can be diagnosed and corrected before any significant damage results. Sewer backup is something that many insurance policies around the country specifically exclude.

So, now you know whether your own water event is covered by homeowners, flood insurance or has to be repaired out of pocket. And you are ready to take the next step – which is to document the damage and get an adjuster to your house as soon as possible to begin the process of submitting an insurance claim.