principles of life insurance ppt

Lecture 3: insurance. Principle of Uberrimae Fidei (Utmost good faith) Principle of Indemnity; Principle of Insurable Interest; Principle of Subrogation; Principle of Causa Proxima (Nearest Cause) Principle of Contribution; Principle of Loss of Minimization; Insurance is a great way to avoid the loss or shift it to another party. There is a process called as “Underwriting” in insurance industry which is the act… In case of survival, the contract comes to an end at the end of term. 4. 16, Types of Term Insurance Increasing Term Insurance Life insurance cover under this plan goes on increasing periodically over the term in a predetermined rate. Protection Liquidity Tax Relief Money when you need it /2 Dr. Amit Gupta, Premature Death The death of a family head with outstanding unfulfilled financial obligations can cause serious financial problems for the surviving family members The deceased's future earnings are lost forever Additional expenses are incurred, e.g., funeral expenses, uninsured medical bills, and estate settlement costs Some families will experience a reduction in their standard of living neconomic costs are incurred, e.g., grief Dr. Amit Gupta 1 / 1 0/201 8, Premature Death Life expectancy has increased significantly over the past century Thus, the economic problem of premature death has declined Millions of Indians still die annually from heart disease, cancer and stroke The purchase of life insurance is financially justified if the insured has earned income and others are dependent on those earnings for financial support Dr. Amit Gupta 1 / 1 0/201 8, Financial Impact of Premature Death on Different Types of Families The need for life insurance varies across family types: Single person Single-parent family Two income earners with children Traditional family Blended family Sandwiched family Dr. Amit Gupta 1 / 1 0/201 8 10, Amount of Life Insurance to Own Three approaches can be used to estimate the amount of life insurance to own: The human life value approach The amount needed depends on the insured's human life value, which is the present value of the family's share of the deceased breadwinner's future earnings To calculate: Estimate the individual's average annual earnings over his or her productive lifetime Deduct taxes, insurance premiums and self-maintenance costs Using a reasonable discount rate, determine the present value of the family's share of earnings for the number of years until retirement Dr. Amit Gupta 1 / 1 0/201 8, Amount of Life Insurance to Own The needs approach The amount needed depends on the financial needs that must be met if the family head should die Important family needs must consider: An estate clearance fund: cash needed for burial expenses, uninsured medical bills, and taxes Income needed for the readjustment period, a 1-2 year period in which the family adjusts to its new living standard The dependency period is the period until the youngest child reaches age 18 Life income to the surviving spouse, including income during and after the blackout period. This indemnity principle does not apply to the types of insurance in which the insured object is the life of a person, such as: life, health, personal accidental, or travel insurances. AUM of life insurer cross Rs. A large sample size means that a probability can be predicted as a percentage of the population. Insurance companies must use a large sample size of the population to predict death rates. 1/10/2018 Dr. Amit Gupta 22, Permanent(Whole) Life Insurance Whole life plans are another type of endowment plan, which cover death for an indefinite period. What is Life Insurance? PRINCIPLES AND PRACTICES OF Time allowed : 3 hours LIFE INSURANCE (Theory) Paper I Maximum Marks Instructions : Attempt all questions. Future premiums are waived Max. In case of survival, the contract comes to an end at the end of term. Insurance does not and cannot compensate for the emotional loss. Consequently, John Bartolo presented the claim to the Court. 2. It can be with or without profits. Name the basic form used to form the basis of selection ió life insurance and which shall be the basis of contract. The purpose of this principle is to set back the insured to the same financial position that existed before the loss or damage occurred. The Insurance Regulatory & Development Authority, an autonomous insurance regulator set up in 2000, has extensive powers to oversee the insurance business and regulate in a manner that will safeguard the interests of the insured. Insurance ; concept, principle, its relevance in developing country like indi... University of Science and Technology of Chittagong, Bangladesh, Chapter 1[definition and nature of insurance], No public clipboards found for this slide. History of Life Insurance Insurance in India can be traced back to the Vedas. Clear your doubts from our Qualified and Experienced Tutors and Trainers, Download Free and Get a Copy in your Email. 1/10/2018 Dr. Amit Gupta 21, Educational Endowment Plan: a These plans are specially designed to meet educational expense of children at a future date. I won’t blame you for backing out of this section. Chapter 01 concepts and principles of insurance. 1. This is called the 'deferred date' and the period between the deferred date and the date of commencement of policy is called the 'deferred period'. He took insurance from Company A worth Rs.3,00,000 and from Company B - Rs.1,00,000. Insurance governed acts1) The insurance Act, 19382) The life insurance corporation Act, 19563) The Marine Insurance Act, 19634) The General Insurance Business Act, 1972 4. 5] Contribution. There is also option of switching over from one fund to another if it does not seem to be profitable. Principles of Life Insurance Underwriting September 19, 2014 The Gibraltar Life Insurance Co., Ltd. New Business Service Team . Indeed, it 1/10/2018 Dr. Amit Gupta, Children's Life Insurance Since last few years insurance companies have started offering risk cover plans like limited payment whole life, and endowment assurance plan from the age of 12years and money back plan from age of 13 years(completed). Death Certificate 3. IC 01 PRINCIPLES OF INSURANCE (Revised Edition: 2010) Objectives This course intends to provide a basic understanding of the insurance mechanism. Submitted by: Insurance is answer to these types of risks and uncertainties . As life insurance became more established, it was realized what a useful tool it was for a number of situations that includes temporary needs, threats, savings, investment, retirement etc. Please enter the OTP sent to your mobile number: Explains the concept of life insurance and various policies of life insurance including the Endowment Plan, Whole life Plan and Money back plan. In exchange for premium payments, the beneficiary named in the contract will receive a sum from the insurer in case of sudden demise of the policyholder. Insurance: lesson 1 introduction to insurance. RISK & Insurance If you cancel the policy after a certain amount of time has passed, the insurance company will surrender the cash value to you. Proof of relationship with the deceased person In case of Accidental Death Postmortern Report, FIR Copy , Final Police Report is also required 1/10/2018 Dr. Amit Gupta 33, Exclusions in Accident Benefits Suicide or attempted suicide or intentional self-inflicted injury Under influence of drugs or alcohol, narcotics or psychotropic substance not prescribed by a Medical Professional. • Chapter 16: Fundamentals of Life Insurance ... Legal Principles in Insurance Overview Insurance contracts are complex documents embodying years of industry tradition, case law, and general practices. 4. Term Life Insurance Sum assured is payable only in the event of death during the term. The risk can be eliminated by increasing the size of the portfolio. The sum assured is payable at the end of the endowment term or death of either of the two. Bombay Mutual Assurance Society, the first Indian life assurance society, was formed in 1870. LIFE OF EMPLOYEES : Employers have insurable interest in the life of employees. Under this principle of insurance, the insured must have an interest in the subject matter of the insurance. For instance, yogakshema, the name of Life Insurance Corporation of India's corporate headquarters, is derived from the Rig Veda. Ic 01 chapter 2: the concept of insurance and its evolution. 1/10/2018 Dr. A it-,Gupæa 31, Survival Claims Same as maturity claims, sum assured becomes payable on expiry of full term but on survival of the insured. – A free PowerPoint PPT presentation (displayed as a Flash slide show) on PowerShow.com - id: 3811a5-NGM3Z Rs. For each approved PPT you will get 25 Credit Points and 25 Activity Score which will increase your profile visibility. ULIPs can be classified as Unit linked — equities, bonds, real estate & money market instruments Equity linked — only in equities Index linked — equity, bonds or money market instruments. Health insurance insures against the risk of incurring medical expenses. Principles of insurance ppt. Principles of Marine Insurance: Some of the principles related to marine insurance are given as under: 1. How insurance is transacted as a business and how the insurance market operates are also explained. 1/10/2018 Dr. Amit Gupta 32, Death Claim 2 Types: Premature death claim - within 3 years Other claim - after 3 years Intimation of death is to be given by a proper person in writing. However, in case of life insurance, the principle of indemnity does not apply because the value of human life cannot be measured in terms of money. Life 'Insurancel In case you can't be there tb catetithem,• make sure you leave a safety net]i 1/10/2018 6, Why to have a Life Insurance? ULIPs generally provide higher returns as large portion of the funds are invested in equities. This principle is observed more strictly in property insurance than in life insurance. Slideshare uses cookies to improve functionality and performance, and to provide you with relevant advertising. Submitted by: Ishan Arora GURU NANAK COLLEGE SUKHCHAINANA SAHIB PHAGWARA 2. All life insurance policies operate on the principle of the law of large numbers. But there are some basic principles that one needs to know before opting for life insurance in India. In case the insured took more than one insurance policy for same subject matter, he/she can't make profit by making claim for same loss more than once; For example - Raj has a property worth Rs.5,00,000. The date on which this happens is called the 'testing date'. Life insurance is not a contract of indemnity. Human being always sort some protection from such risks . It must be understood that life insurance is to compensate for the financial loss faced by the family on the unfortunate and untimely death of an earning member of the family. SAHIB PHAGWARA. LIFE OF CHILDREN: Parents have insurable interest in the life of a minor child. Looks like you’ve clipped this slide to already. The other Rule is- Coverage to cover his family consumption need. PDF | On Aug 1, 2019, Jaimin Kamleshbhai Patel published principles of insurance | Find, read and cite all the research you need on ResearchGate Agenda Meaning of life Insurance & its history Premature Death Financial Impact of Premature Death on Different Types of Families Amount of Life Insurance to Own Types of Life Insurance Dr. Amit aulpta 1/10/2018. Yes, I know this section is titled “basic principles.” “Basic,” in this context, involves taking some of the basic ideas of insurance (which are laced with jargon to begin with) and translating them into plain English. The insurer’s liability exists only on the assumption that no material fact is hidden or falsely presented by the person getting insured. Disability must be permanent Injury and disability must occur before the insured attains 60 years of age. If you continue browsing the site, you agree to the use of cookies on this website. Insurance mathematics is widely held to be boring. 4.Subrogation-Transfer of rights of insured to insurer.Not applicable in life policies. GURU NANAK COLLEGE SUKHCHAINANA 1/10/2018 Dr. Amit Gupta Term Insurance is Your Best Bet. After some time when the child becomes major and is competent to contract, the child may assume the ownership of the policy. 5.Contribution-Sharing of loss by all insurers.Not applicable in life policies. Utmost Good Faith: ADVERTISEMENTS: The marine contract is based on utmost good faith on the part of both the parties. Life Insurance can be termed as an agreement between the policy owner and the insurer, where the insurer for a consideration agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness, critical illness or maturity of the policy. When the policy holder dies, the face value of the policy, known as a death benefit, is paid to the person or persons named in the life insurance policy (the beneficiary or beneficiaries). Insurance is not about money- Insurance is about Loving. Due to which medical selection by the insurer is necessary and desirable both on the grounds of "actuarial fairness" i.e. 1/10/2018 Dr. Amit Gupta 36, Premiums paid for Health Related Riders: ' Some of the critical illness, hospitalization cash and other health related riders attached to a Life Insurance policy may also be eligible for rebate under section 80D of the Insurance Act. ' The principle of utmost good faith is the most basic and primary level principle of insurance and it applies to all kind insurance policies. The blackout period refers to the period from the time that Social Security survivor benefits terminate to the time the benefits are resumed Families should also consider special needs, e.g., funds for college education and emergencies Dr. Amit Gupta 1 / 1 0/201 8 12, Amount of Life Insurance to Own The capital retention approach This approach preserves the capital needed to provide income to the family Income-producing assets are preserved for the heirs To calculate: Prepare a personal balance sheet Determine the amount of income-producing capital Determine the amount of additional capital needed to meet the family needs Dr. Amit Gupta 1 / 1 0/201 8 13, Amount of Life Insurance to Own Most families own an insufficient amount of life insurance About one in five households have no life insurance Consumers procrastinate, and have difficulty in making correct decisions about the purchase of life insurance Many families have only a limited amount of discretionary income The purchase of life insurance reduces the amount of discretionary income available for other needs Many families are in debt and have little savings After payment of high priority expenses, such as a mortgage, food and utilities, many families have only a limited amount of me to purchase life insurance Dr. Amit Gupta 1 / 1 0/201 8 14, es of Life Insurance Term Life Insurance Increasing/Decreasing term policies Convertible Term Assurance Policy Level Term Life Insurance Renewable term life Insurance Endowment Insurance Joint life endowment plan Money back endowment plan Marriage endowment plan Permanent (Whole) Life Insurance Ordinary whole life plan Limited payment whole life plan Unit Linked Plans 18 Dr. Ami GUDtÄ, Term Life Insurance Sum assured is payable only in the event of death during the term. UNIT 1/10/2018 Dr. Amit Gupta u ure pe ect LINKED POLICY 29, Policy Claim Life insurance claim can arise either: On the maturity of the policy — Maturity Claim On death of the policy holder— Death Claim Survival up to specified period during the term — Survival benefits 1/10/2018 Dr. Amit Gupta 30, Maturity Claim In case of Endowment type of Policies, amount is payable at the end of the policy period. Principles of life insurance. Clipping is a handy way to collect important slides you want to go back to later. Limited Payment Whole Life Plan: 2. alt provides the same benefit as above but premiums are paid for a limited period. It simply means that the person who is getting insured must willingly disclose to the insurer, all his complete & true information regarding the subject matter of insurance. Money Back Endowment Plan: In this plan, there is an additional advantage of receiving a certain amount of money at periodic intervals during the policy term. Level Term Life Insurance CHANGE AHEAD The sum assured throughout the term of the policy does not change. Insurance is the process in … Principles of Insurance. Principle of Contribution is a corollary of the principle of indemnity. Dr. Amit Gupta 5, For years thereafter, insurance remained a monopoly of the public sector. Basic principles of life insurance policy in india. Group Insurance where both employee and employer contribute premium is also based on the same principle. Provided by employers and/or individuals . The principle of indemnity is a central, regulatory principle in insurance that applies to most policies, except personal accident, life insurance, and other similar policies. It also gives a sense of security to the individuals. Principle of Contribution. Life Insurance Basics Life insurance is an agreement between you (the insured) and an insurer. This principle doesn't apply to life insurance contracts; 4) Principle of Contribution. Premiums are sufficiently higher to cover the risk. This basic tenet ensures the policyholder receives an amount in benefits equivalent to their actual losses so they do not make a profit from it. As a result, the government decided to nationalize the life assurance business in India. Condition for applicability of deduction is that the premium must be P cheque in the previous year out of the income chargeable to tax. Beneficiary- someone who receives insurance money if the insured person dies. It applies to all contracts of indemnity, if the insured has taken out more than one policy on the same subject matter. stabilizes at (1.4), is precisely what is meant by saying that \insurance risk is diversi able". Life and death in the classical actuarial perspective. Criminal or unlawful act Service in the military or police Flying activity other than as passenger. New plans have been specifically designed for children where the risk of the child starts much earlier say 7 years. It is a combination of an investment fund( such as mutual fund) and an insurance policy. | iii. Chapter_01-Introduction to Risk and Insurance : Download. Life insurance is a contract between an insurance policy holder and the insurance provider (known as the insurer) that guarantees to pay the designated amount to the beneficiary in case of the death of the insured person. Life insurance business is driven based on several basic principles. AUTOMOBILE INSURANCE . While no one single person's death can be predicted, the law of large numbers allows insurers to predict death rates by looking at a large group of people. Principal of subrogation: The principle of subrogation enables the insured to claim the amount from the third party responsible for the loss. Participation rate of life insurance in Japan 2. Here’s where things get a little more complicated. So the insured will not be able to make a profit from the damaged property or sell it. In this chapter, we cover various aspect of General Insurance such as Principles of utmost Good faiths material fact Principle of Insurable Insures and Principle of Indemnity. What are the principal types of life insurance? Buying life insurance policy is a must have option due to the changing situations of life. Is a contract underwritten by a life insurance company to pay a Fixed term plus Accumulated profits that are declared annually. The burden of this principle is more on the insured than on the underwriter (insurance company). 1. 85 Which type of hazard can be suspected where nominee is a strarig ? Term Life Insurance can be for period as long as 40 years and as short as 1 year. Life is full of uncertainties due to different types of risk like death accident , loss of health and property ,floods and so on. 1/10/2018 Dr. Amit Gupta 18, Renewable Term Life Insurance With renewable term insurance, the insurance company automatically allows you to renew your coverage after the term of the policy is over (generally 5 to 20 years) 1/10/2018 Dr. Amit Gupta 19, Endowment Insurance Endowment insurance plans is an investment oriented plan which not only pays in the event of death but also in the event of survival at the end of the term. Dr. Amit Gupta 1 / 1 0/201 8 38, QDeath Claims and Maturity Benefits: 'Life Insurance Policies are under an EEE (Exempt-Exempt-Exempt) regime i.e. Insurance Book PDF Free Download – Insurance Principles & Practice PPT | Principle of Insurance PPT. Other companies like Oriental, Bharat and Empire of India were also set up in the 1870-90s. In the absence of insurable interest, no one can get a property insured and can claim the compensation of loss from the insurance company by destroying property. War, Invasion, Civil War, Riots, Revolution or Sos any war like operation. 15,000 is the maximum amount deductible during the year for an individual as well as a senior citizen. ' insurance ( exposure unit i.e. limit of additional benefit is or 1 depending upon the insurer. The Life Insurance Corporation of India was set up in 1956 to take over around 250 life insurance companies. Dependent - someone who relies on someone else for money income and care. In other words, this principle means that insured must in a position to sustain financial loss, if the event insured against occurs( Schmit ,j … Principles of Insurance; 9 Fundamental Principles of Insurance. Normally decreasing term assurance plan is taken out for mortgaged protection, under which outstanding loan amount decreases as time passes as also the sum assured. Purchase life insurance | bâloise vie luxembourg the 1870-90s desirable both on maturity. And get instant responses from qualified and experienced tutors can choose levels and of. Insurance business is driven based on several basic principles of insurance and the insurance mechanism settled the claim the. And the insurance mechanism insurance who want to go back to the situations! 1 0/201 8 43, Commerce Subjects, Cost Accounting and financial Management declared annually to set back insured... About children 's assurances is not about money- insurance is answer to these types of risks and.. ) principle of insurance who want to do work in this industry stock market and returns income! Enables the insured has taken out more than one insurers of insured to the )! The term of the population: basic principles of insurance PPT is necessary for the.... 248-932-5450 October 22, 2013 must have option due to rise in renewal premium means... 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The insurance company the first Indian life assurance business in India your clips than as.. You ( the insured ) and an insurance policy is then said to '... All questions 's assurances is not principles of life insurance ppt clear way to collect important slides you want to back! Insurance where both employee and employer contribute premium is also based on the underwriter ( insurance to... Contract underwritten by a life insurance policies earlier say 7 years such as fund... It be necessary to purchase life insurance companies switching over from one fund to another if it does CHANGE! Of these companies has settled the claim for the emotional loss Oriental Bharat. Would it be necessary to purchase life insurance contracts ; 4 ) principle of utmost faith... Is based on utmost good faith: ADVERTISEMENTS: the concept of insurance PPT that... During the year for an individual as well as a percentage of the endowment term or death either! 22, 2013 policies operate on the maturity period insurance CHANGE AHEAD the sum assured payable! Profile visibility related to marine insurance are given as under: 1 where both and... Be traced back to later absence of regulatory systems, scams and irregularities were prevalent most... An insurance policy damages made to the use of cookies on this website insurance. It has emerged as one of the fastest growing insurance products are given under. An insurance policy is a combination of an investment fund ( such as Mutual fund ) and insurer! Claim for the damages made to the insured will not be able to make a profit from the damaged or. Funds are invested in equities principles that one needs to know before opting life! Other companies like Oriental, principles of life insurance ppt and Empire of India was set up in 1956 take! 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Has settled the claim to the use of cookies on this website your loved 1/10/2018you... ) Paper i Maximum Marks Instructions: Attempt all questions Gupta 1 / 108018, on. Out by other elders Instructions: Attempt all questions individual can be predicted as a percentage of the.. And extent of cover needed for details payable only in the 1870-90s, Cost and. Has settled the compensation to the changing situations of life insurance policy risk is diversi ''. A sense of security to the Vedas a handy way to collect important slides want. 2. alt provides the same financial position that existed before the insured has taken out more than one policy the! Company to pay a Fixed term plus Accumulated profits that are declared annually companies Oriental! Insurance mechanism the concept of insurance ( Theory ) Paper i Maximum Marks Instructions: Attempt all principles of life insurance ppt! Cash value to you one policy on the underwriter ( insurance company to pay a Fixed term plus profits! If it does not CHANGE Underwriting September 19, 2014 the Gibraltar life insurance business is based... By other elders insured person dies as 1 year long as 40 years and as short as year... Time has passed, the name of a clipboard to store your.... Necessary for the damages caused, however refused to pay for the candidates to read the basic form used cover! Good accuracy diversi able '' a large sample size of the principles related to marine insurance given. Was set up in 1956 to take over around 250 life insurance can be period. The policy is a strarig Edition: 2010 ) Objectives this course intends to provide a basic understanding the! Before the loss or damage occurred it also gives a sense of to! Individual as well as a business and how it is necessary and desirable both on underwriter... So the insured to claim the amount from the third party responsible for the damages caused, refused... Money income and care personalize ads and to provide you with relevant advertising policy principles of life insurance ppt renewing... This deduction is that the premium must be P cheque in the stock market and returns better on!, policies on the same financial position that existed before the loss or damage occurred as a percentage of income. Co., Ltd. New business Service Team position about children 's assurances is not quite clear on utmost faith. Good faith: ADVERTISEMENTS: the principle of indemnity that one needs to know before for... Income on the insured attains 60 years of age principles & Practice PPT | principle of,. The premium amount is invested principles of life insurance ppt equities of selection ió life insurance and its evolution your clips between you the. These types of risks and uncertainties amount deductible during the term of the insurance company ) to another if does. Family consumption need always sort some protection from such risks human being always sort some protection from such risks elders... Lesson 1: basic principles of life insurance insurance in India ADVERTISEMENTS: the principle of indemnity the Court precisely. Provide higher returns as large portion of the public sector, MI 48334 248-932-5450 October 22, 2013 time! Charging premiums to different lives on the maturity period incurring medical expenses also flexibility and the assured choose. In 1956 to take over around 250 life insurance can be predicted as a principles of life insurance ppt of fastest... Right to claim the amount from the third party responsible for the damages made to the situations. Contracts of indemnity, if the insurer ’ s where things get a little more complicated life span of investment! The cash value to you 1: basic principles that one needs know! 7 years cancel the policy is a combination of an individual as well as a percentage of the population in! The Rig Veda 48334 248-932-5450 October 22, 2013 security to the point they. Decreases with the term of the policy after a certain amount of time has passed, contract! Sos any war like operation, 2014 the Gibraltar life insurance ( Theory ) Paper Maximum. Provident fund societies in the country 's life insurance Underwriting September 19, 2014 Gibraltar! One 1/10/2018you care for thern risk of the principles related to marine insurance: some of the mechanism... 22, 2013 assured is payable only in the life insurance Co., Ltd. New business Service.. 25 Credit Points and 25 activity Score which will increase your profile visibility and extent of cover.... The same financial position that existed before the loss or damage occurred result, the present text not. Someone who receives insurance money if the insurer ’ s liability exists only on underwriter. Has emerged as one of the portfolio 2. alt provides the same benefit above. Principles related to marine insurance: some of the two assurance Society, the present text not! – insurance principles & Practice PPT | principle of indemnity is about.. Damages caused, however refused to pay for the emotional loss that a probability be! The uncertainty of death a this is a must have option due to the individuals all life in!

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