Jenis Asuransi

Menurut hukum dan asuransi ekonomi adalah jenis manajemen risiko terutama dilakukan untuk menghindari risiko kerugian potensial. Sebuah perusahaan yang menjual asuransi disebut perusahaan asuransi. Hal ini telah menjadi bisnis yang menguntungkan di seluruh dunia. Asuransi, yang digunakan untuk menentukan jumlah premi, dapat bervariasi dari perusahaan ke perusahaan. Contoh sederhana adalah asuransi jiwa. Seseorang membayar sejumlah premi kepada perusahaan asuransi. Ketika ia meninggal dalam jumlah yang telah ditetapkan diberikan kepada keluarganya.

Jenis Asuransi

Tidak ada yang dapat diprediksi di planet ini berbahaya. Setiap kecelakaan bisa terjadi atau penyakit dapat menyerang kita. Jadi, kita harus siap untuk itu. Ada berbagai jenis polis asuransi yang berfokus berbagai bidang kehidupan.

Asuransi Kesehatan

Berbagai perusahaan asuransi menawarkan rencana asuransi kesehatan. Jika tertanggung terluka karena kecelakaan atau sakit maka biaya pengobatan dibayar oleh perusahaan asuransi. Ada indenture sah antara penanggung dan tertanggung.

Asuransi gigi

Asuransi dimaksudkan untuk mengucurkan biaya yang berkaitan dengan perawatan gigi disebut asuransi gigi. Asuransi gigi membantu orang untuk mengatasi kesulitan berupa uang yang disebabkan oleh biaya gigi tiba-tiba.

Asuransi Mobil

Asuransi dibeli untuk mobil, truk, dan semua ponsel auto lain disebut asuransi mobil atau asuransi mobil. Manfaat utama dari asuransi mobil adalah pemberian perlindungan terhadap kerugian yang terjadi akibat kecelakaan lalu lintas. Jika kendaraan yang dipertanggungkan rusak akibat kecelakaan, biaya perbaikan dibayar oleh perusahaan asuransi. Perusahaan asuransi mobil juga menyediakan pengganti, jika kendaraan benar-benar hancur. Hal ini wajib di banyak negara untuk membeli asuransi mobil. Satu dapat memilih mobil asuransi yang tepat dengan membandingkan kutipan asuransi mobil yang disediakan oleh perusahaan yang berbeda.

Asuransi Hewan

Jika hewan peliharaan Anda diasuransikan terluka atau menderita sakit, asuransi hewan peliharaan akan membayar biaya hewan. Beberapa kebijakan asuransi hewan peliharaan juga dirancang untuk membayar jika hewan peliharaan diasuransikan meninggal, hilang atau dicuri. Asuransi Pet sebagian besar tersedia di negara-negara maju.

Asuransi Perjalanan

Asuransi yang direncanakan untuk mengatasi potensi kerugian keuangan dan lainnya saat bepergian di dalam negara atau internasional disebut asuransi perjalanan. Asuransi perjalanan sebagian besar lindung nilai terhadap risiko seperti pencurian, kehilangan, bagasi tertunda, evakuasi darurat, kerusakan barang-barang pribadi, bantuan hukum, kematian karena kecelakaan, biaya pemakaman di luar negeri dll

Asuransi Jiwa

Dalam asuransi jiwa ada kontrak antara tertanggung dan perusahaan asuransi. Menurut kontrak jika tertanggung meninggal asuransi akan membayar sejumlah uang kepada keluarganya. Sebagai imbalannya pihak tertanggung akan membayar premi kepada perusahaan asuransi. Ada dua jenis asuransi jiwa, kebijakan proteksi dan kebijakan investasi. Asuransi lain berdasarkan hidup adalah asuransi jiwa. Nilai pertanggungan disediakan untuk jangka waktu yang terbatas. Setelah periode itu, pilihan berasuransi miliknya bahwa ia ingin menjatuhkan kebijakan atau cotinue ganti rugi dengan membayar premi untuk periode berikutnya.
Banyak perusahaan asuransi yang menyediakan layanan mereka. Beberapa perusahaan asuransi terkenal adalah asuransi negara pertanian, asuransi Allstate, asuransi petani dan asuransi progresif.

Payment Professional Certification and Licensing

Are you aware of legislation like the Durbin Amendment to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010? This probably hasn't fallen into your list of must-read categories. Well, here's what it is in a nutshell: to increase government regulation and oversight of the payment card industry and its participants. On the surface this may sound like it could be of great benefit to merchants, especially to those that have discovered that they have been misled by someone in this industry. However, many in the credit card processing industry worry that these certification programs aren't enough. Some are calling for the kind of licensing programs states require for the insurance industry, as an example.
Back in March, the ETA (Electronics Transactions Association) announced they were going to launch the first industry-wide professional certification testing program later this year. Successfully passing the 125-question ETA test will earn ISO's (Independent Sales Organizations) MLS's (Merchant Level Salespersons) and other payment professionals a Certified Payments Professional certificate. This multiple choice test will given twice a year in numerous centers around the country. MLS's must have at least one year of industry experience and a degree or three years' industry experience to be eligible to even take the test.

For those of us 

that have been around this industry for many years, and have personally witnessed some of the outright deception that exists, it seems necessary, for the merchants benefit, that something must be done. However, many payment professionals, myself included, don't see the value in certification programs unless certification is accompanied by a stare or federally regulated licensing program. Let's face it, just because reps go through a "certification" program with their processor, earn a plaque upon successful completion and can place a "seal" on their business card, does it really mean anything to the merchant? Certification really has no "teeth" to it but when coupled with real regulation, unethical behavior could result in the loss of the agent's license and his or her ability to work in the industry.

My success in this business

has always been attributed to building relationships with my merchants and educating them on this cost center of their business. Dealing with merchants in a totally ethical manner is the only way that I know to do business. Until, and if, this certification and/or licensing in the payment industry becomes a reality, merchants really need to continue to be diligent in thoroughly understanding these services that they are contracting and paying for in their business. Always perform your due diligence and thoroughly investigate any proposals made to you. I wish you the best. Thanks for reading.

My name is Michael Saum and I'm a 62 year old semi-retired, merchant services rep. In my current capacity, I write informative, articles relative to the acceptance of credit/debit cards in your business I also offer my comprehensive, FREE, email course, on the subject of credit card processing with NO SOLICITATION or HYPE.

Article Source:  By Michael Saum

Waiver Of Premium And Accidental Death Benefit Riders

Most life insurance companies offer waiver of premium and accidental death benefit riders. These riders are the less talked about benefits of owning a life insurance policy. They can sometimes make such a big difference when a breadwinner dies. Let us take some time to examine how the waiver of premium and the accidental death benefit riders work.
Many life insurance companies sell accident policies. Some are bought for long periods of time and others for short periods of time. You can buy a policy that would pay the face amount to your beneficiary if you should die in any type of accident. Some accident policies specify that you must die in a specific type of accident...for example; an automobile accident or an aircraft crash. These are not the types of policies we refer to when we talk about accidental death benefit riders. These are separate policies. The ones we want to discuss here are the riders added to a base policy. Let us waiver of premium and accidental death benefit riders in turn.

• Waiver Of Premium Riders Probably the most popular rider added to a life insurance policy is the waiver of premium rider. For a very small fee, usually a few cents per $1000 of life insurance, you can purchase a waiver of premium rider which will become part of your base policy whether it be whole life, term life, universal life or variable life... If you should become disabled, as long as you are disabled for a minimum of 6 consecutive months, the life insurance company will waive your premium for as long as you are disabled even if it is for the rest of your life. Whenever you are healthy enough to return to work you pick up your premium payment again and you owe the life insurance company nothing for the months that you didn't pay the premiums. The policy would just go on as if you never missed a payment. With the whole life and term policies the entire premium would be waived, however, when it comes to universal life policies and variable life policies the situation would be a bit different. As universal life is made up of term life insurance and saving and variable life is made up of whole life insurance and an investment portfolio the premiums waived upon disability would be limited to the portion of your payment applied to the term insurance and the whole life insurance respectively. An important thing to remember adding a waiver of premium rider is the definition used by the life insurance company. There are still many life insurance company which suggest that you are disabled when you cannot engage in any occupation because of illness. This definition almost guarantees that your premiums may never be waived. In other words if you can do any type of work you are not considered disabled. The type of definition you need is one that states that if you cannot engage in your "own occupation" then you are disabled. In other words if you are unable to engage in the occupation for which you are trained and in which you are now employed then you are disabled. You may be able to do some other type of work for a reasonable monetary consideration but it is not the occupation that you are trained for and in which you were engaged at the time of the inset of your disability. You are disabled. Look out for this as you would be surprised at the number established life insurance companies who still use the antiquated and misleading definition.
• Accidental Death Benefit Rider Another very popular rider that you may want to add to your base life insurance policy, whether term, whole life, universal life or variable life insurance policy is the accidental death benefit rider. This is sometimes referred to as the "double indemnity clause". This rider legally binds the life insurance company to pay to your beneficiary double the face amount of the policy if you should die in an accident. There is a nominal fee for the inclusion of this clause into your policy. Some life insurance companies allow you to purchase what is referred to as "triple indemnity". Your beneficiary would be paid three times the face amount in this case. Of course you pay additional for this. Let us suppose you died in an automobile accident, in a plane crash or in fact any situation that can be considered an accident the life insurance company has to pay the additional amount. If you, however, engage in any occupation or avocation at the time of application for the policy which would indicate that you would die in an accident the life insurance company may refuse to issue the accidental death benefit rider or charge you extra to add it.

These two riders, the waiver of premium and accidental death benefit riders may well be worth the minimal extra cost.

Article Source: EzineArticles.com  By Donald Lusan