Bajaj Allianz life says no plans for IPO Bajaj Allianz Life Insurance Co Ltd has no immediate need for additional capital and is not planning an initial public offer.http://economictimes.indiatimes.com/Bajaj-Allianz-life-says-no-plans-for-IPO/articleshow/5296740.cmshttp://economictimes.indiatimes.com/Bajaj-Allianz-life-says-no-plans-for-IPO/articleshow/5296740.cmsThu, 03 Dec 2009 13:14:38 GMTBajaj Allianz life says no plans for IPOBajaj Allianz life says no plans for IPOIndia Post ties up with ICICI Prudential Life India Post on Thursday entered into a tie-up with ICICI Prudential Life Insurance Company to expand its services portfolio to the customers.
http://economictimes.indiatimes.com/India-Post-ties-up-with-ICICI-Prudential-Life/articleshow/5295956.cmshttp://economictimes.indiatimes.com/India-Post-ties-up-with-ICICI-Prudential-Life/articleshow/5295956.cmsThu, 03 Dec 2009 10:08:49 GMTIndia Post ties up with ICICI Prudential LifeIndia Post ties up with ICICI Prudential LifeTata-AIG's add-on motor insurance covers In May this year, Tata-AIG General Insurance launched eight add-on motor insurance covers, post detariffing that took effect in January 2009. http://economictimes.indiatimes.com/Tata-AIGs-add-on-motor-insurance-covers/articleshow/5294309.cmshttp://economictimes.indiatimes.com/Tata-AIGs-add-on-motor-insurance-covers/articleshow/5294309.cmsWed, 02 Dec 2009 23:06:24 GMTTata-AIG's add-on motor insurance coversTata-AIG's add-on motor insurance coversQuery corner Our PF expert helps you traverse the uncertainties in the Financial world. Email YOur QUERIES to etquery@indiatimes.com.http://economictimes.indiatimes.com/Query-corner/articleshow/5282783.cmshttp://economictimes.indiatimes.com/Query-corner/articleshow/5282783.cmsSun, 29 Nov 2009 21:06:01 GMTQuery cornerQuery cornerClaims wipe out a third of terror pool Insurance firms handing out cheques for the last one year have discovered the grim truth that the 26/11 attack has wiped out almost a third of the money that was pooled in to meet terror claims.
http://economictimes.indiatimes.com/Claims-wipe-out-a-third-of-terror-pool/articleshow/5269513.cmshttp://economictimes.indiatimes.com/Claims-wipe-out-a-third-of-terror-pool/articleshow/5269513.cmsWed, 25 Nov 2009 18:53:30 GMTClaims wipe out a third of terror poolClaims wipe out a third of terror poolTata AIG Life launches child ULIP Private insurer Tata AIG Life on Wednesday launched a unit-linked life insurance plan (ULIP) for children's education, InvestAssure Superstar.
http://economictimes.indiatimes.com/Tata-AIG-Life-launches-child-ULIP/articleshow/5268973.cmshttp://economictimes.indiatimes.com/Tata-AIG-Life-launches-child-ULIP/articleshow/5268973.cmsWed, 25 Nov 2009 15:26:34 GMTTata AIG Life launches child ULIPTata AIG Life launches child ULIPApollo DKV to scale up biz, network, launches new health insurance plan Apollo DKV has launched a new health insurance scheme and drawn up plans to scale up its business and the network of offices in the next couple of years to garner a good share of the growing market for health insurance.
http://economictimes.indiatimes.com/Apollo-DKV-to-scale-up-biz-network-launches-new-health-insurance-plan/articleshow/5268654.cmshttp://economictimes.indiatimes.com/Apollo-DKV-to-scale-up-biz-network-launches-new-health-insurance-plan/articleshow/5268654.cmsWed, 25 Nov 2009 13:30:22 GMTApollo DKV to scale up biz, network, launches new health insurance planApollo DKV to scale up biz, network, launches new health insurance planHDFC Standard Life eyeing 10-15% growth HDFC Standard Life, which is gearing up for an IPO, has seen over 40% of its business come through various Bancassurance schemes. http://economictimes.indiatimes.com/HDFC-Standard-Life-eyeing-10-15-growth/articleshow/5261556.cmshttp://economictimes.indiatimes.com/HDFC-Standard-Life-eyeing-10-15-growth/articleshow/5261556.cmsMon, 23 Nov 2009 13:38:53 GMTHDFC Standard Life eyeing 10-15% growthHDFC Standard Life eyeing 10-15% growthLIC restructuring Ulip costs to protect agent commissions Life Insurance Corporation of India is looking to increase the minimum premium payable and minimum lock-in order to adhere to the expenses cap norms brought in by Insurance Regulatory Development Authority.
http://economictimes.indiatimes.com/LIC-restructuring-Ulip-costs-to-protect-agent-commissions/articleshow/5260721.cmshttp://economictimes.indiatimes.com/LIC-restructuring-Ulip-costs-to-protect-agent-commissions/articleshow/5260721.cmsMon, 23 Nov 2009 09:41:01 GMTLIC restructuring Ulip costs to protect agent commissionsLIC restructuring Ulip costs to protect agent commissionsIRDA may cap CEO salary at Rs 1.5 crore Insurance regulator IRDA is mulling to put a cap of Rs 1.5 crore on the annual salary of chief executive, which could be paid from the policyholders? fund. http://economictimes.indiatimes.com/IRDA-may-cap-CEO-salary-at-Rs-15-crore/articleshow/5259341.cmshttp://economictimes.indiatimes.com/IRDA-may-cap-CEO-salary-at-Rs-15-crore/articleshow/5259341.cmsMon, 23 Nov 2009 02:07:57 GMTIRDA may cap CEO salary at Rs 1.5 croreIRDA may cap CEO salary at Rs 1.5 croreLIC makes plans to keep agents' commissions for ULIP intact In order to keep agents' commissions for ULIPs intact, LIC is looking to increase the minimum premium payable and minimum lock-in order to adhere to the expenses cap norms brought in by IRDA.http://economictimes.indiatimes.com/LIC-makes-plans-to-keep-agents-commissions-for-ULIP-intact/articleshow/5258400.cmshttp://economictimes.indiatimes.com/LIC-makes-plans-to-keep-agents-commissions-for-ULIP-intact/articleshow/5258400.cmsSun, 22 Nov 2009 17:37:18 GMTLIC makes plans to keep agents' commissions for ULIP intactLIC makes plans to keep agents' commissions for ULIP intactLIC plans to alter ULIP polices terms Life Insurance Corporation of India (LIC) was planning to raise minimum premium from Rs 25,000 to Rs 40,000 and increase the lock in period from five years to 10 years for ULIP products. http://economictimes.indiatimes.com/LIC-plans-to-alter-ULIP-polices-terms/articleshow/5258352.cmshttp://economictimes.indiatimes.com/LIC-plans-to-alter-ULIP-polices-terms/articleshow/5258352.cmsSun, 22 Nov 2009 17:10:26 GMTLIC plans to alter ULIP polices termsLIC plans to alter ULIP polices termsLife insurance industry to clock Rs 2,55,000 cr premium this fiscal The Indian life insurance industry is expected to grow by about 15 per cent in the current financial year to touch a total premium income of Rs 2,55,000 crore in 2009-10.http://economictimes.indiatimes.com/Life-insurance-industry-to-clock-Rs-255000-cr-premium-this-fiscal/articleshow/5257561.cmshttp://economictimes.indiatimes.com/Life-insurance-industry-to-clock-Rs-255000-cr-premium-this-fiscal/articleshow/5257561.cmsSun, 22 Nov 2009 11:49:35 GMTLife insurance industry to clock Rs 2,55,000 cr premium this fiscalLife insurance industry to clock Rs 2,55,000 cr premium this fiscalGIC pays Rs 167 cr to Taj, Oberoi as terror claim General Insurance Corporation has released Rs 167-crore to Taj and Oberoi hotels in connection with 26/11 terror attack, a top GIC Re official said.http://economictimes.indiatimes.com/GIC-pays-Rs-167-cr-to-Taj-Oberoi-as-terror-claim/articleshow/5255474.cmshttp://economictimes.indiatimes.com/GIC-pays-Rs-167-cr-to-Taj-Oberoi-as-terror-claim/articleshow/5255474.cmsSat, 21 Nov 2009 13:20:23 GMTGIC pays Rs 167 cr to Taj, Oberoi as terror claimGIC pays Rs 167 cr to Taj, Oberoi as terror claimICICI Pru plans nationwide tie-up with postal dept ICICI Prudential Life which entered into a tie-up with India Post's Andhra circle is planning to go for a nationwide partnership with Postal Department to push its insurance products in rural markets.http://economictimes.indiatimes.com/ICICI-Pru-plans-nationwide-tie-up-with-postal-dept/articleshow/5248325.cmshttp://economictimes.indiatimes.com/ICICI-Pru-plans-nationwide-tie-up-with-postal-dept/articleshow/5248325.cmsThu, 19 Nov 2009 15:04:50 GMTICICI Pru plans nationwide tie-up with postal deptICICI Pru plans nationwide tie-up with postal dept
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Insurance Is Essential To The Success Of A Business By Herbert Williams, Mon Jan 2nd
When times are tough, many business owners believe that noexpense is too sacred to be spared from the cost-cutting axe.The cost-containment craze of the 21st Century promises to bemore than a passing fancy -- it will remain a key to survival inan increasingly competitive global market. Still, businessowners, particularly of small and medium sized businesses,should take great pains to ensure that their programsare not compromised.
A business owner's need for adequate protection can begreater than the needs of an employee. And whilepeople whose paychecks are signed by someone else quitenaturally have similar concerns as their employers: protectionagainst financial loss that can be brought on by death,disability or insufficient retirement funding, when the employeris hit by these same circumstances -- everyone can suffer.
Think of the many situations that can impact both abusiness and its owner. Most employers don't think twice aboutsecuring property and casualty insurance. These coveragesinclude auto, property and fire insurance. Other business ownerswouldn't think twice about neglecting liability and othercommercial -- necessities for a business when onelawsuit can close it down. The protection afforded by this typeof is easily understood.
It's on the life and health side of the coin that manyemployers have a hard time understanding the consequences. Mostbusiness owners fully understand the basic principles as theyapply to individuals, but what about the effect -- orlack of it -- can have on a workplace?
Insurance is most critical in areas that can't be predicted,"says Leta Finch, director of the Vermont Institute."Many employers are naive when it comes to assessing risk in theworkplace."
When a business goes through a rough time, the employer feelsthe pain most acutely. But business owners shouldn't foolthemselves: it affects employees, too. When a business suffers,employees feel the stress -- a leading cause of health problemsand disability. As these problems mount -- causing loss ofexperience, expertise and man-hours --
Disclose commission from insurers, mutual funds: RBI to RRBs RBI directed regional rural banks to disclose the commission they receive from mutual funds and insurers for referring their products to customers.
http://economictimes.indiatimes.com/Disclose-commission-from-insurers-mutual-funds-RBI-to-RRBs/articleshow/5319610.cmshttp://economictimes.indiatimes.com/Disclose-commission-from-insurers-mutual-funds-RBI-to-RRBs/articleshow/5319610.cmsWed, 09 Dec 2009 14:10:02 GMTDisclose commission from insurers, mutual funds: RBI to RRBsDisclose commission from insurers, mutual funds: RBI to RRBs Allahabad Bank's general managers relocated to other PSBs For the first time in this 144-year old bank?s history, two of its own general managers have been relocated as executive directors of other public sector banks.http://economictimes.indiatimes.com/Allahabad-Banks-general-managers-relocated-to-other-PSBs/articleshow/5318981.cmshttp://economictimes.indiatimes.com/Allahabad-Banks-general-managers-relocated-to-other-PSBs/articleshow/5318981.cmsWed, 09 Dec 2009 10:57:08 GMTAllahabad Bank's general managers relocated to other PSBsAllahabad Bank's general managers relocated to other PSBs PSU banks ink bond to check attrition A host of PSBs, including Bank of Baroda, Canara Bank, Punjab National Bank and Union Bank of India, have recently introduced a practice of signing service bonds with their new recruits joining at the officer level. http://economictimes.indiatimes.com/PSU-banks-ink-bond-to-check-attrition/articleshow/5313035.cmshttp://economictimes.indiatimes.com/PSU-banks-ink-bond-to-check-attrition/articleshow/5313035.cmsTue, 08 Dec 2009 03:58:16 GMTPSU banks ink bond to check attritionPSU banks ink bond to check attrition Hinduja Bank takes controlling stake in Chennai based Paterson securities Hinduja Bank (Switzerland), part of Hindujas group on Monday said it has acquired a majority stake in the Chennai-based stock broking firm, Paterson Securities.
http://economictimes.indiatimes.com/Hinduja-Bank-takes-controlling-stake-in-Chennai-based-Paterson-securities/articleshow/5311712.cmshttp://economictimes.indiatimes.com/Hinduja-Bank-takes-controlling-stake-in-Chennai-based-Paterson-securities/articleshow/5311712.cmsMon, 07 Dec 2009 14:17:38 GMTHinduja Bank takes controlling stake in Chennai based Paterson securitiesHinduja Bank takes controlling stake in Chennai based Paterson securities Govt to support public sector banks to merge if they want Government will support public sector banks to merge if they wanted, provided they fulfilled RBI and SEBI guidelines, finance minister Pranab Mukherjee said on Monday.http://economictimes.indiatimes.com/Govt-to-support-public-sector-banks-to-merge-if-they-want/articleshow/5310622.cmshttp://economictimes.indiatimes.com/Govt-to-support-public-sector-banks-to-merge-if-they-want/articleshow/5310622.cmsMon, 07 Dec 2009 08:54:44 GMTGovt to support public sector banks to merge if they wantGovt to support public sector banks to merge if they want Performance-linked pay for PSBs from next year <p>Salary packages of employees of public sector banks could have a performance-linked variable component from the next year. <a href="/quickiearticleshow/5307235.cms" target="_blank"><b>Tax deduction on employees' HRA</b></a></p>
http://economictimes.indiatimes.com/Performance-linked-pay-for-PSBs-from-next-year/articleshow/5308991.cmshttp://economictimes.indiatimes.com/Performance-linked-pay-for-PSBs-from-next-year/articleshow/5308991.cmsMon, 07 Dec 2009 06:40:00 GMTPerformance-linked pay for PSBs from next yearPerformance-linked pay for PSBs from next year ICICI set to turn local bank in Singapore too After SBI, ICICI set to get a qualified full bank licence in Singapore, a status that will allow it to open 15 branches and ATM centres.http://economictimes.indiatimes.com/ICICI-set-to-turn-local-bank-in-Singapore-too/articleshow/5309050.cmshttp://economictimes.indiatimes.com/ICICI-set-to-turn-local-bank-in-Singapore-too/articleshow/5309050.cmsSun, 06 Dec 2009 20:46:11 GMTICICI set to turn local bank in Singapore tooICICI set to turn local bank in Singapore too SBI gets govt nod for acquiring State Bank of Indore The Indian government has given approval to State Bank of India to initiate the process.http://economictimes.indiatimes.com/SBI-gets-govt-nod-for-acquiring-State-Bank-of-Indore/articleshow/5300583.cmshttp://economictimes.indiatimes.com/SBI-gets-govt-nod-for-acquiring-State-Bank-of-Indore/articleshow/5300583.cmsFri, 04 Dec 2009 12:21:11 GMTSBI gets govt nod for acquiring State Bank of IndoreSBI gets govt nod for acquiring State Bank of Indore Dubai crisis won?t hit Indian banks: RBI The Reserve Bank of India on Thursday said the domestic banks do not have much exposure to the debt-ridden Dubai World and hence their balance sheet will not be materially affected by the crisis, reports Our Bureau.
http://economictimes.indiatimes.com/Dubai-crisis-wont-hit-Indian-banks-RBI/articleshow/5298020.cmshttp://economictimes.indiatimes.com/Dubai-crisis-wont-hit-Indian-banks-RBI/articleshow/5298020.cmsThu, 03 Dec 2009 19:25:22 GMTDubai crisis won?t hit Indian banks: RBIDubai crisis won?t hit Indian banks: RBI Kotak Mahindra Bank looks for acquisitions in India Indian private sector lender Kotak Mahindra Bank is looking at acquisitions in the coming months in India.http://economictimes.indiatimes.com/Kotak-Mahindra-Bank-looks-for-acquisitions-in-India/articleshow/5297034.cmshttp://economictimes.indiatimes.com/Kotak-Mahindra-Bank-looks-for-acquisitions-in-India/articleshow/5297034.cmsThu, 03 Dec 2009 14:38:12 GMTKotak Mahindra Bank looks for acquisitions in IndiaKotak Mahindra Bank looks for acquisitions in India Top bankers zero in on South, West India for expansion The country?s top bankers still continue to bet on places like Andhra Pradesh, Gujarat, Karnataka, Maharashtra, Tamil Nadu (TN) or Uttar Pradesh (UP) when they look at expansion of operations.
http://economictimes.indiatimes.com/Top-bankers-zero-in-on-South-West-India-for-expansion/articleshow/5293550.cmshttp://economictimes.indiatimes.com/Top-bankers-zero-in-on-South-West-India-for-expansion/articleshow/5293550.cmsWed, 02 Dec 2009 17:32:52 GMTTop bankers zero in on South, West India for expansionTop bankers zero in on South, West India for expansion PNB cuts interest rates on most NRI deposits State-owned lender PNB has slashed interest rates on most NRI deposits of foreign curency denominations.
http://economictimes.indiatimes.com/PNB-cuts-interest-rates-on-most-NRI-deposits/articleshow/5293414.cmshttp://economictimes.indiatimes.com/PNB-cuts-interest-rates-on-most-NRI-deposits/articleshow/5293414.cmsWed, 02 Dec 2009 16:43:19 GMTPNB cuts interest rates on most NRI depositsPNB cuts interest rates on most NRI deposits Assam, banks tie up for NREGA scheme The Assam government has tied up with banks for issuance of biometric cards to beneficiaries under the National Rural Employment Guarantee Act (NREGA).
http://economictimes.indiatimes.com/Assam-banks-tie-up-for-NREGA-scheme/articleshow/5289318.cmshttp://economictimes.indiatimes.com/Assam-banks-tie-up-for-NREGA-scheme/articleshow/5289318.cmsTue, 01 Dec 2009 17:06:00 GMTAssam, banks tie up for NREGA schemeAssam, banks tie up for NREGA scheme Union Bank revises rates on foreign currency deposits Union Bank of India has revised its interest rates on foreign currency deposits with immediate effect.
http://economictimes.indiatimes.com/Union-Bank-revises-rates-on-foreign-currency-deposits/articleshow/5288725.cmshttp://economictimes.indiatimes.com/Union-Bank-revises-rates-on-foreign-currency-deposits/articleshow/5288725.cmsTue, 01 Dec 2009 13:44:55 GMTUnion Bank revises rates on foreign currency depositsUnion Bank revises rates on foreign currency deposits Now, open a bank account in a grocery shop On Monday, RBI permitted banks to appoint these entities to act as their agents and carry out several of the bank's operations. All these though, will come for a fee, pre-decided by your bank.
http://economictimes.indiatimes.com/Now-open-a-bank-account-in-a-grocery-shop/articleshow/5286913.cmshttp://economictimes.indiatimes.com/Now-open-a-bank-account-in-a-grocery-shop/articleshow/5286913.cmsTue, 01 Dec 2009 03:59:30 GMTNow, open a bank account in a grocery shopNow, open a bank account in a grocery shop
the business suffers evenfurther.
Cutting benefits only adds to the stress. Morale can suffer, andmore often than not, quality and customer service go downhill,too. Perhaps an employer's rationale is that jobs are scarce andemployees have no place else to go. That's short-sighted -- theavailability of qualified workers is as cyclical as the economy.What happens when the employment market opens up again?
Providing employees with access to adequate is one wayemployers can make a lasting impression on a workforce, whileeven maintaining or improving morale. And can help toensure the success of the business in other ways. When employeesare disabled, they can recoup most of a lost paycheck throughdisability income coverage, and the business probably won'tsuffer. Likewise when a business owner becomes disabled, adisability income policy can help restore lost income. But whatabout the business? This is where a Disability Overhead Expensepolicy comes in, providing additional benefits for businessowners to help them defray "fixed" business expenses (such asrent, utilities etc) that must be paid regardless of whether thebusiness owner can work. Life can also be used as ameans of attracting and keeping qualified personnel, and it canalso be used to fund buy-sell agreements.
When employers find premiums hard to take, Finchsuggests another step they can take to contain costs. "Althoughrisk assessment and management is quite common in property andcasualty insurance, it is quite foreign to us on a personallevel," she says. "Personal risk management often comes onlyfrom very tragic lessons learned in life. Clearly, if riskmanagement principles are applied to the disability and healthside of insurance, we can prevent many things from happening,and we can do it affordably.
Business owners buy many kinds of for one reason --protection against potential loss. Bad economic times don'tnormally change those reasons, or a business owner's need forinsurance.
About the author:Herbert Williams is 39 years in the Financial ServicesProfession.Sales Coach, Financial Consultant and BusinessPlanner. For a FREE Consultationon how to write a business planthat will get you the money visithttp://www.money-from-grants.com
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