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Kredyty gotówkowe bez bik-pożyczki pozabankowe bez bik

Written by bankier on December 18th, 2011 in Insurance.
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Jak objawiają statystyki Polacy nieustannie mają kłopot ze spłacaniem swoich pożyczek. Decydującym szkopułem są właśnie pożyczki konsumpcyjne. 18,14% z nich nie jest spłacanych w czasie, podczas gdy na koniec 2010 roku ten iloraz wynosił 17%. Ponad 100 tysięcy osób ma zaciągniętych więcej niż 10 długów, z czego 80 tysięcy nie spłaca co bynajmniej jednego z nich. W Polskim Rejestrze Długów jest już więcej niż 1,7 miliona dłużników. Te dane potwierdzają, że edukowanie polskiego społeczeństwa w kierunku odpowiedzialnego pożyczania jest nie tyle jedną z potrzeb, ale i niezbędnością.

Nowe nakazy mają w tym pomóc.

Więcej danych, więcej czasu na decyzję.

Nowa norma prawna odnosi się do kredytów konsumenckich, to znaczy każdych kredytów zaciąganych przez figury fizyczne do kwoty 255 tys. zł (nie dotyczy długów hipotecznych). Ma ona podeprzeć sytuację klienta w kontaktach z instytucjami finansowymi (banki, SKOK-i, firmy pożyczkowe). Po modyfikacji kodeksów będzie można prościej niż do tej pory porównać przeróżne oferty za rzeczą zintegrowanego formularza informacyjnego. Pozostaną w nim wymienione koszty kredytu, między innymi stawka oprocentowania, każdych dodatkowych opłat, ale też okoliczności spłaty pożyczki. Kredytodawca będzie musiał również nieodpłatnie udzielić kredytobiorcy projekt umowy, aby ten mógł zaznajomić się z nią bezproblemowo np. w domu.

Wedle ustawy będziemy mieli więcej czasu na podjęcie decyzji o rezygnacji z zaciągniętej wierzytelności. Do bieżącej pory dało się to zrobić w ciągu 10 dni po jej otrzymaniu, teraz będziemy mieli na to 2 tygodnie. Jeśli anulujemy pożyczkę bank nie będzie mógł zatrzymać nabytej prowizji, jak dotąd, a wyłącznie oprocentowanie za te parę dni.

Bank nas sprawdzi.

Koniec szybkich kredytów -przeczytaj…

Organizacje finansowe będą jeszcze w wyższym stopniu skrupulatnie, niż dotychczas, sprawdzać wiarygodność finansową kredytobiorców, w tym w Krajowym Rejestrze Długów. Jeśli okaże się, że jesteśmy notowani w rejestrze długów i na tej bazie nie otrzymamy kredytu, to pożyczający będzie musiał ujawnić źródło negatywnych wiadomości, a my będziemy mogli je zweryfikować czy nie zaszła omyłka.

Bardzo na tych modyfikacjach zyskają firmy pozabankowe takie jak np. Provident. Pożyczki w provident już jakiś czas temu zyskały spora wziętość. Po wprowadzeniu nowych odmian jeszcze więcej zyskają.

LIC Jeevan Saral, Best Insurance Plan for long term

Written by admin on August 5th, 2010 in Insurance.
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178 Comments
Call to Jeevan for Insurance Policy @ 09650806340

Death Benefit:
250 times the monthly premium together with loyalty additions, if any, and  return of premiums excluding first year premiums and extra/rider premium, if any, is payable in lump sum on death of the life assured during the term of the policy.

Example: Mr. ashok is 25 years old and is working in auto industry. He opts for jeevan saral plan for 15 years term and chooses monthly basic premium of Rs.500/- after adding DAB premium of Rs.510 (500 x 250 = 1,25,000 x 1/1000 x 1/12 = 10 + 510). On maturity he will receive Rs.97655/- as maturity sum assured (MSA) + Loyalty Addition which will be decided by the corporation. If he dies after 4 years, his nominee will get Rs.1,25,000 (250 x 500) + premium paid for 4 years – first year premium = 1,25,000 + 24,480 – 6120 = 1,43,360/- + Loyalty Addition, if any.

Maturity Benefit:
The Maturity Sum Assured plus Loyalty additions, if any, is payable in a lump sum.

Supplementary/Extra Benefits:
These are the optional benefits that can be added to your basic plan for extra protection/option.  An additional premium is required to be paid for these benefits.

Surrender Value:
Buying a life insurance contract is a long-term commitment. However, surrender values are available on earlier termination of the contract. The surrender value will be the greater of the guaranteed surrender value and special surrender. The plan also allows for partial surrenders.

Guaranteed Surrender Value:
The policy can be surrendered after it has been in force for at least 3 full years. The Guaranteed Surrender value will be equal to 30% of the total amount of premiums paid excluding the premiums for the first year and all the extra premiums and premiums for accident benefit / term rider.

Special Surrender Value:
80% of Maturity Sum Assured if 3 or more years’ but less than 4 years’ premiums have been paid; 90% of the Maturity Sum Assured, if 4 or more years’ but less than 5 years’ premiums have been paid and 100% of the Maturity Sum Assured, if 5 or more years’ premiums have been paid. The Maturity Sum Assured for this para will be the Maturity Sum Assured corresponding to the term for which premiums have been paid under the policy.

Corporation’s policy on surrenders:
In practice, the Corporation will pay a Special Surrender Value – which is usually higher than the Guaranteed Surrender Value. This value will depend on the duration for which premiums have been paid and the policy duration at the date of surrender. In some circumstances, in case of early termination of the policy, the surrender value payable may be less than the total premium paid.

The Corporation reviews the surrender value payable under its plans from time to time  depending on the economic environment, experience and other factors.

Note: The above is the product summary giving the key features of the plan. This is for illustrative purpose only. This does not represent a contract and for details please refer to your policy document.
Call to Jeevan for Insurance Policy @ 09650806340

Product Summary:
This is an Endowment Assurance plan where the proposer has simply to choose the amount and mode of premium payment. The plan provides financial protection against death throughout the term of the plan. The death benefit is directly related to the premiums paid. The Maturity Sum Assured depends on the age at entry of the life to be assured and is payable on survival to the end of the policy term. It also offers the flexibility of term and a lot of liquidity.

Premiums:
Premiums are payable yearly, half-yearly, quarterly, or monthly through salary deductions as opted by you throughout the term of the policy or till earlier death.

Loyalty Additions:
This is a with-profits plan and participates in the profits of the Corporation’s life insurance business.  It gets a share of the profits in the form of loyalty additions which are terminal bonuses payable along with death benefit or maturity benefit.  Loyalty Additions may be payable from the 10th year onwards depending upon the experience of the Corporation.
Statutory warning:
“Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life insurance company.  If your policy offers guaranteed returns then these will be clearly marked “guaranteed” in the illustration table on this page.  If your policy offers variable returns then the illustrations on this page will show two different rates of assumed investment returns.  These assumed rates of return are not guaranteed and they are not upper or lower limits of what you might get back as the value of your policy is dependant on a number of factors including future investment performance.”

Age at entry: 35 years
Policy term: 25 years
Mode of premium payment: Yearly
Amount of annual premium: Rs.4704/-

End Of Policy
Year		 Total Premium paid till end of year Amount payable at the end of year on death during the year (Rs.)
Guaranteed Variable Total
Scenario 1 Scenario 2 Scenario 1 Scenario 2
1 4704 100000 0 0 100000 100000
2 9408 104800 0 0 104800 104800
3 14112 109600 0 0 109600 109600
4 18816 114400 0 0 114400 114400
5 23520 119200 0 0 119200 119200
6 28224 124000 0 0 124000 124000
7 32928 128800 0 0 128800 128800
8 37632 133600 0 0 133600 133600
9 42336 138400 0 0 138400 138400
10 47040 143200 7000 18000 150200 161200
15 70560 167200 13000 41000 180200 208200
20 94080 191200 30000 100000 221200 291200
25 117600 215200 65000 211000 280200 426200
End Of Policy Year Total Premium paid till end of year Amount payable at the end of year on death during the year
Guaranteed Variable Total
Scenario 1 Scenario 2 Scenario 1 Scenario 2
1 4704 0 0 0 0 0
2 9408 0 0 0 0 0
3 14112 8099 0 0 8099 8099
4 18816 12942 0 0 12942 12942
5 23520 18660 0 0 18660 18660
6 28224 23180 0 0 23180 23180
7 32928 27856 0 0 27856 27856
8 37632 32744 0 0 32744 32744
9 42336 37892 0 0 37892 37892
10 47040 43360 7000 18000 50360 61360
15 70560 75200 13000 41000 88200 116200
20 94080 106124 30000 100000 136124 206124
25 117600 135296 65000 211000 200296 346296

i) This illustration is applicable to a non-smoker male/female standard (from medical, life style and occupation point of view) life.

ii) The non-guaranteed benefits (1) and (2) in above illustration are calculated so that they are consistent with the Projected Investment Rate of Return assumption of 6% p.a.(Scenario 1) and 10% p.a. (Scenario 2) respectively.  In other words, in preparing this benefit illustration, it is assumed that the Projected Investment Rate of Return that LICI will be able to earn throughout the term of the policy will be 6% p.a. or 10% p.a., as the case may be.  The Projected Investment Rate of Return is not guaranteed.

iii) The main objective of the illustration is that the client is able to appreciate the features of the product and the flow of benefits in different circumstances with some level of quantification.

iv) Loyalty additions will depend on future profits and as such is not guaranteed.

v) The Maturity Benefit is the amount shown at the end of the policy term.

Call to Jeevan for Insurance Policy @ 09650806340

Insurance a useful product but a Liability too.

Written by admin on July 26th, 2010 in Insurance.
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Free Insurance

Free Insurance

Insurance is really helpful in reducing risk factor attached to life and a source which can fulfill your needs even if you are not alive, But it become liability for rest of the family members as every year he/she has to pay the desired premium.

Not all are able to pay the premium, as may be his/her policy is lapsed or forfeiture by insurance company.

For Example, Mr. Amit took a policy of Rs 10 Lakhs for which the premium is Rs. 4000 Per month and the plan’s locking period is 5 Yrs. Now Mr. Amit managed to pay the premium for about 2 Years and unfortunately he lost his job and was unable to pay the premium for the third year, due to which the risk factor attached to the policy was Zero and thereby company decided to forfeit the policy.

This shows though Insurance has security plans but it definitely has some liability attached to it.

So considering these factors our company has come up with traditional insurance plan which thereby reduces the liability to pay insurance premium. Which is more likely as free insurance wherein  our policy provides you funds to pay next year premium to ensure there is no liability factor in future which will make sure your efforts are productive and not wasted.

Contact for more info  info@beemaking.com for more info or call @ 09958590590

IRDA bans 4000 corporate insurer

Written by admin on June 10th, 2010 in Insurance.
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The Insurance Regulatory and Development Authority (IRDA) on Tuesday cancelled the licences of 4,261 corporate agencies that sell life/general insurance products as they did not apply for renewal of their licenses (pending since March 31), either because of new tie-ups with insurance companies or changing the model to referrals that don’t require licence.
“All these corporate agency licences have been withdrawn from our database,” the IRDA circular stated. “Insurers and general public are hereby cautioned not to transact any insurance business through them.”
“The agencies did not come for renewal and their licences have been withdrawn,” IRDA chairman J. Hari Narayan said.
According to IRDA regulations, the licensing agreement of a corporate agent with an insurance company is for three years. After this, the agency may look for a new partner or even sell a product under the referral model (for which no licence is required).
“We have not renewed our licence as we have entered into a referral arrangement,” said an official with a bank that acts as a corporate agent.
Experts say the referral model is simpler. “The licence arrangement also has some stringent norms,” said a senior official with a corporate agency who did not wish to be named.
But in case a corporate agency cancels its arrangement with an insurer and enter into agreements with other insurers, then the question of who services the old customer for the insurance product sold arises.
“The old customer does not get impacted as IRDA has a guideline for that,” said an official with another corporate agency that did not renew its licence. “In such cases, we have a dedicated person taking care of all queries in relation to the old insurer and that person then forwards it to a designated person in the insurance company for the same.”

The Insurance Regulatory and Development Authority (IRDA) on Tuesday cancelled the licences of 4,261 corporate agencies that sell life/general insurance products as they did not apply for renewal of their licenses (pending since March 31), either because of new tie-ups with insurance companies or changing the model to referrals that don’t require licence.“All these corporate agency licences have been withdrawn from our database,” the IRDA circular stated. “Insurers and general public are hereby cautioned not to transact any insurance business through them.”“The agencies did not come for renewal and their licences have been withdrawn,” IRDA chairman J. Hari Narayan said.According to IRDA regulations, the licensing agreement of a corporate agent with an insurance company is for three years. After this, the agency may look for a new partner or even sell a product under the referral model (for which no licence is required).“We have not renewed our licence as we have entered into a referral arrangement,” said an official with a bank that acts as a corporate agent.Experts say the referral model is simpler. “The licence arrangement also has some stringent norms,” said a senior official with a corporate agency who did not wish to be named.But in case a corporate agency cancels its arrangement with an insurer and enter into agreements with other insurers, then the question of who services the old customer for the insurance product sold arises.“The old customer does not get impacted as IRDA has a guideline for that,” said an official with another corporate agency that did not renew its licence. “In such cases, we have a dedicated person taking care of all queries in relation to the old insurer and that person then forwards it to a designated person in the insurance company for the same.”

IRDA Ban more than 4000 corporate insurer

IRDA Ban Insurer

Reliance becomes No.1 insurer of FY 2009-10

Written by admin on April 24th, 2010 in Beema King, Insurance, Insurance Agent, insurance delhi.
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Reliance General & Life Insurance

Reliance No. 1 Insurance Firm

ADAG Group company Reliance Life Insurance has sold the highest number of policies among 22 other private sector players in 2009-10. During the year, the company sold about 23.2 lakh policies against 22.1 lakh policies in the previous year. Of the total, 3.4 lakh policies were sold in March. Reliance is closely followed by Bajaj Allianz Life Insurance that sold 22.3 lakh policies in the same period, according to industry sources.

Other players like ICICI Prudential Life sold as many as 17.6 lakh policies, while insurance venture promoted by SBI covered 13.5 lakh lives during the year. The private sector, comprising 22 players, together sold 1.4 crore policies compared to 1.5 crore in the previous fiscal, industry sources said. However, the largest player in the life insurance segment, state-owned LIC sold 3.8 crore policies compared to 3.5 crore policies in 2008-09. Life insurance industry grew over 25 per cent in 2009-10, while LIC’s market share rose to 65 per cent.
According to industry sources, the industry mopped up first year premium of Rs 1.09 lakh crore in 2009-10 compared to Rs 87,108 crore in 2008-09. LIC collected premium of Rs 70,891 crore compared to 52,954 crore in 2008-09, thereby growing by around 34 per cent during the year. Among private life insurers, SBI Life was the biggest player. The insurer collected Rs 7,041 crore as first year premium in the last fiscal compared to Rs 5,386 crore in 2008-09.

ADAG Group company Reliance Life Insurance has sold the highest number of policies among 22 other private sector players in 2009-10. During the year, the company sold about 23.2 lakh policies against 22.1 lakh policies in the previous year. Of the total, 3.4 lakh policies were sold in March. Reliance is closely followed by Bajaj Allianz Life Insurance that sold 22.3 lakh policies in the same period, according to industry sources. Other players like ICICI Prudential Life sold as many as 17.6 lakh policies, while insurance venture promoted by SBI covered 13.5 lakh lives during the year.

The private sector, comprising 22 players, together sold 1.4 crore policies compared to 1.5 crore in the previous fiscal, industry sources said. However, the largest player in the life insurance segment, state-owned LIC sold 3.8 crore policies compared to 3.5 crore policies in 2008-09. Life insurance industry grew over 25 per cent in 2009-10, while LIC’s market share rose to 65 per cent. According to industry sources, the industry mopped up first year premium of Rs 1.09 lakh crore in 2009-10 compared to Rs 87,108 crore in 2008-09.

LIC collected premium of Rs 70,891 crore compared to 52,954 crore in 2008-09, thereby growing by around 34 per cent during the year. Among private life insurers, SBI Life was the biggest player. The insurer collected Rs 7,041 crore as first year premium in the last fiscal compared to Rs 5,386 crore in 2008-09.

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