Do not delay filing an insurance claim

Getting insurance companies to pay claims is the hard part at times. Though the claims ratio of most insurance companies is 94-98 per cent, claimants often have to run pillar to post to get these. There are various reasons due to which claims can be rejected. Among these is a delay on the part of theclaimant Under the Limitation Act, a claimant has to tell the company about the death in three years. The company can refuse to pay the claim if told beyond this period. But, in case of genuine reasons, the company has to pay  http://www.myallagents.com/Do-not-delay-filing-an-insurance-claim/details.html

Life insurers end FY14 with 11.5% new premium growth

The life insurance industry has seen a 11.5% rise in new premiums for FY14. Life insurers collected total premiums of Rs 119,641 crore for FY14 compared to Rs 107,235.44 crore in FY13.
Life Insurance Corporation (LIC), India's largest insurer collected new premiums of Rs 90,123.75 crore for the fiscal, a rise of 17.8% over the previous fiscal.
However, private life insurers saw a 4% drop in new premiums to Rs 29,517.38 crore. 
http://www.myallagents.com/Life-insurers-end-FY14-with-115-new-premium-growth/details.html 

A supplementary cover at best

Most individuals defer buying health insurance as they believe the main cost they will have to incur is for surgery, say insurance players. To address this, Bajaj Allianz General Insurance has introduced a new plan – Surgical Protection Plan, a benefit plan which proposes to repay surgical expenses. 
http://www.myallagents.com/A-supplementary-cover-at-best/details.html 

LIC online term plan: How is it different?

Pankaaj Maalde, Head-Financial Planning, Apna Paisa. It’s rightly said “It’s never too late to start a new beginning”. At last LIC, one of the largest players in life insurance business, launches online term plan which will not only increase awareness but also increase the competition in the market. LIC move also will force other players, who still have not launched it, to launch online term plan soon. Even premium of LIC online term plans is higher compared to peers it will help people to understand the need of life insurance and also reveal the facts that how the investment products are bundled. This will help them to separate insurance and investment need in future.   http://www.myallagents.com/LIC-online-term-plan-How-is-it-different/details.html

Replacing your life insurance policy might get tougher

Often, insurance policyholders are misled into replacing their policies with new ones, with promises of lower premia or better returns. Though the process wasn’t difficult so far, this might change soon. The Insurance Regulatory and Development Authority (Irda) has issued draft guidelines on replacement of life insurance policies. Now, an agent should secure the written consent of the policyholder, inform the existing insurer 15 days before submitting new proposal forms, and send the forms to the new company only after this 15-day period. In their policy documents, insurance companies must advise customers not to surrender, lapse or make paid-up existing policies before taking on a new one. They should also advise customers not to withhold full or part amount of the surrender value payable, and inform the new company of a customer’s existing policies. 
http://www.myallagents.com/Replacing-your-life-insurance-policy-might-get-tougher/details.html 

A to Z of Issuing a Whole Life Insurance Policy

ou've determined the amount of life insurance coverage you need, decided on the type of policy you want, and you've shopped around for life insurance quotes. You've even selected a carrier and completed an application--now what?
While each carrier has its own procedures, most insurers review applications and issue policies using similar methods.

Initial Review 
http://www.myallagents.com/A-to-Z-of-Issuing-a-Whole-Life-Insurance-Policy/details.html 

Equity Markets

What drives an investor to buy a stock? Is it the fundamentals? The technicals? A combination of the two? Well I'm not quite certain anymore. You can basically throw all of the textbook answers out the window when it comes to today's equity markets. Why do I say that? Because I believe that the only thing that is driving this market is the notion that the government is going to bail out everyone and their brother.  
http://www.myallagents.com/Equity-Markets/details.html 

Top Mutual Funds in India

Deciding or searching for the top mutual funds generally requires lot of things to be taken into consideration. It is here that the role of the fund manager creeps in. The fund manager determines the performance of the fund for that particular period, so it is a compulsion that he is consulted prior to making the investment. Another important segment that should be taken care of is the proper selection of Assets. Asset Allocation is the art of bifurcating your finances into a mixture of Assets (stocks, bonds, etc). It is imperative that some amount of research is done prior to choosing a fund for investment. The performance of a mutual fund over the last few years does give an insight to it’s value. The Mutual fund performance 
http://www.myallagents.com/Top-Mutual-Funds-in-India/details.html 

Home Insurance Leads

After loads of man-made and natural calamities in USA the Home Insurance market has come much into prominence. And at present the competition is at its peak.
Homeowners Insurance is a guarantee, which pays the cost of your house if it gets damaged in some natural or man made disasters like fire, floods, storms etc 
http://www.myallagents.com/Home-Insurance-Leads/details.html 

Business Insurance Agents

Online insurance quotes and buying insurance online is no longer a novelty. Many business insurers are online and, while buying insurance for a business on the internet is not as prevalent as buying personal auto insurance online, growing numbers of small business owners are going to online sources for their insurance. If one follows some guidelines when using online quote sites to purchase insurance, business internet insurance sites can offer premium savings.

What is missing is the insurance agent or broker. Insurance professionals will tell you that they offer significant value to the insured. They will contend that the absence of an insurance professional will cost a business in the long run. Contrary to that argument is the claim that online sites offer insurance for less and can offer more quotes from more sources. Let's look at the website versus the insurance professional. 

http://www.myallagents.com/Business-Insurance-Agents/details.html 

Health Care Options in Retirement

Health care for seniors can be a labyrinth of programs, eligibility restrictions, coverage limitations, and overlaps, with terms varying widely from program to program and plan to plan. In addition to federal programs such as Medicare and Medicaid, some agencies such as the Veteran's Administration offer benefits for specific constituents and many states have different programs of their own with varied eligibility requirements. Additionally, unions and trade organizations may also offer retirement health care benefits. Which of these you may qualify for will depend on your individual circumstances. In general, however, most retirees have two main health care options: Medicare and managed care.

  http://www.myallagents.com/Health-Care-Options-in-Retirement/details.html 

A Good Life Insurance Policy

will have a huge array of plans to  select from and also details of rates and reviews so that you can  select a better life insurance in Charlotte. Our customer care  executives will answer all your queries and doubts related to Life Insurance policy. Rest peacefully by  selecting a Charlotte Life Insurance policy and protect your family.

Charlotte Life Insurance offers a valuable range of Life Insurance Solutions for all insurance seekers

Get valuable counseling from Charlotte life insurance experts while  selecting your life insurance policy. At Charlotte Life insurance, Our customers feel  tension free and satisfied after signing a life insurance policy. With Charlotte life insurance, you have the  facility of getting easy assistance and claims. 

http://www.myallagents.com/A-Good-Life-Insurance-Policy/details.html 

Settlement Loans Vs. Traditional Loans

When considering a settlement loan you should always know the differences between a settlement loan and a traditional loan. They are two complete different ways to obtain fund during a pending lawsuit when a client has no income. This article is designed to explain the differences between a settlement loan and a traditional loan and allow the reader to determine which can be a better solution 
.http://www.myallagents.com/Settlement-Loans-Vs-Traditional-Loans/details.html 

Long Term Investments for the Future

If you are ready to invest money for a future event, such as retirement or a child’s college education, you have several options. You do not have to invest in risky stocks or ventures. You can easily invest your money in ways that are very safe, which will show a decent return over a long period of time.
First consider bonds. There are various types of bonds that you can purchase. Bond’s are similar to Certificates of Deposit. Instead of being issued by banks, however, bonds are issued by the Government. Depending on the type of bonds that you buy, your initial investment may double over a specific period of time 
.http://www.myallagents.com/Long-Term-Investments-for-the-Future/details.htm 

5 Good Reasons to File an Income Tax Extension

With not much time remaining until the April 15 IRS income tax deadline, many Americans are scrambling to finalize their income tax returns.
This year, a growing percentage of taxpayers will choose to file an IRS income tax extension, which will postpone their tax deadline to October 15.
If you’re considering filing an income tax extension, you’re not alone. The IRS recently estimated that 10.2 million of the 140 million tax filers will file for a tax extension this year. What’s more, approximately 2 million of those extensions will be electronically filed online.

File Later tax extension service - a popular website where taxpayers can file their income tax extension - compiled the following list of reasons why taxpayers should consider joining the growing trend of taxpayers filing a tax ex tension rather than stress about getting their returns completed by April 15.
http://www.myallagents.com/5-Good-Reasons-to-File-an-Income-Tax-Extension/details.html 

Reducing Incomes Taxes

Each and every person is looking out for ways which may reduce the amount of tax that has to be paid to the government. The following article contains few ways which will lessen the amount of income tax
anytime in the present and future. It is mandatory that every family sort to different ways which may reduce their tax bills.

Funding the retirement-It is a known fact that saving money is a good retirement option, but it is great news that these retirement funds can help in reducing your taxes. By saving money for retirement you can reduce the adjusted gross income, which in term means that you are reducing the value of your income that is taxable
http://www.myallagents.com/Reducing-Incomes-Taxes/details.html 

Filing Your Income Taxes - How To Identify The Right Time

A number of individual usually start attending to their income taxes immediately after they get a hold of their W-2’s from their employers. Yet, for some people, they are fond of waiting until the deadline before doing do. For most of the states the deadline occurs in April 15.

Several times when individuals postpone doing their income taxes; it usually means that these individuals will either end up breaking even or pay back to their state. For this reason, they will not have any refund of any sort since they did not pay the right amount of tax to which they are grossed for that particular income for the year. For those individuals who paid their income taxes immediately, they will acquire income taxes in the end. Quite often, a family’s income tax returns will relatively be high if they do not gross quite a lot of money.
http://www.myallagents.com/Filing-Your-Income-Taxes-How-To-Identify-The-Right-Time/details.html

New income tax slabs introduced:- Budget 2010-11

New Delhi: Further relief for individual tax payers, a steep hike in allocations for welfare schemes and infrastructure were among the high points of India's budget for 2010-11 presented Friday by Finance Minister Pranab Mukherjee, who said the worst was over and promised high, inclusive growth in the coming years. "Today, as I stand before you, I can say with some confidence we have weathered this crisis well," Mukherjee told the Lok Sabha, the lower house of parliament, while presenting the federal budget for the next fiscal. http://www.myallagents.com/New-income-tax-slabs-introduced-Budget-201011/details.html

Income Tax

A direct tax levied on earnings, mainly wages and salaries, but which may include dividends, interests, rents, royalties, and the value of receipts other than in cash. It is one of the main instruments for achieving a government's income redistribution objectives
.http://www.myallagents.com/Income-Tax/details.html