Why PPI is Never Necessary
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# Why PPI is Never Necessary by Ross Taylor
I’m not a big fan of Payment Protection Insurance. There have been too many times during my career as a Financial Adviser that I have heard horror stories. People haven’t been paid out due to small omissions on their application form, or something small such as their job title has changed etc.
# Insurance Basics Part V - Child Plan by Prajna Capial
This article explains the basic concept of a child plan, as is available in the market today. What is a Child Plan? It has typically two components to it: A life insurance on the parent. An investment vehicle that accumulates your savings on a regular basis and pays it back around the time the child reaches college (typically when he/she turns 18-21) …
# Insurance Basics Part IV - Unit Linked Insurance Plan - ULIP by Prajna Capial
ULIP Understanding the cost structure of Unit Linked Insurance Plan is necessary before taking the leap. A person, 40-year-old investor, was disgruntled with his investments in Unit-Linked Insurance Plan (ULIP). While the equity markets have been rolling, he realized after some research that he was yet to recover the money he had invested three years ago. This, he realized, was not on account of poor fund performance but because of higher initial fund costs.
# Insurance Basics Part III - Types by Prajna Capial
Why Do I Need Life Insurance? You need Life Insurance because typically the need for income continues for those who are financially dependent on you, but there is no guarantee of your ability to earn consistently and for the rest of your life. Life insurance can help you safeguard the financial needs of your family.
# Insurance Basics Part II - Life Stages by Prajna Capial
Your insurance need will change as your life does, from starting to work to enjoying your golden years and all the stages in between. Each one of these stages may pose a different insurance need/cover for you. In this section, we have drawn up the basic life stages and help you analyze various insurance needs accordingly.
# Insurance Basics - Part I by Prajna Capial
Every one needs Life Insurance. This is the starting point of this series.
# What’s the Difference Between a Loss Assessor and Loss Adjuster? by Derek Rogers
If you have been in a situation where you are looking at a loss that should be covered by insurance, you may find yourself dreading talking to the insurance company itself. This article looks at what role loss assessors and loss adjusters have.
# The Importance of Public Liability Insurance by Rakesh Gaikwad
One of the more common subsidiary’s of the wider ‘Liability Insurance’, Public Liability Insurance, whilst not a compulsory business insurance, can be a lifeline for any working company or individual should something an incident occur with a member of the public. What is it and why is it needed? Ideal for any individual or company working with the public, or where the public visit a company’s premises, Public Liability Insurance ensures that the company or individual is covered should an accident occur…