Tax Finance Info: Insurance

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Holiday insurance for people over 70</h2>
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<span class="yiv2375480635null"><span lang="EN-US">Insurance is
generally used to cover the risk of life, theft, fire, flood, accidents, etc.
One of such insurance is the travelling Insurance. It covers the medical
expenses while you travel. It is more preferable for people travelling
globally. For many people it is useful only as a short term cover as they may
be travelling for a holidays. Travelling is full of risk such as accident risk,
illness risk, life risk etc. Thus if you are covered with holiday insurance, it
may become easy to meet the expenses, if any risk or uncertainty is faced by
the insured. <o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><span lang="EN-US">In this particular
article we are going to share some views on holiday insurance specifically for
the old age people over age 70. As compared to other people, the people with
age above 70 need more care. They are weakened due to passage of a very large
life. It will help to cover the risks associated with such holidays. Generally
holiday insurance for people over age 70 is available for a period of 120 days.<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><b><span lang="EN-US">General needs, procedure and disadvantages of Holiday Insurance
for people over 70 years:<o:p></o:p></span></b></span></div>
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<span class="yiv2375480635null"><b><span lang="EN-US">Need of Holiday Insurance for people over 70 years:<o:p></o:p></span></b></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">It will cover the risk of medical treatment people may need
during the holiday travels.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">Holiday Insurance of people over 70 will also cover the life
risk and will reimburse the sum assured in such cases.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">It will be reimbursing the emergency expenses incurred for
the insured during such holiday.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">Some companies also pay of lost luggage if the terms of
insurance provide so. <o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">Some of the companies also meet the cost of delay in
travelling.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">The cost if any incurred due to cancellation of any flight
or train is also reimbursed by some companies.<o:p></o:p></span></div>
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<span class="yiv2375480635null"><b><span lang="EN-US">Procedure for getting Holiday Insurance cover for people over 70
years:<o:p></o:p></span></b></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">For availing holiday insurance cover for people over 70
years, you have to scan the market for finding insurance companies providing
such products.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">Compare the premium amount of the policies found as above
and that suits best to your profile. <o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">Read the conditions of the policy very carefully.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">Now directly go to company for getting the cover or now a
days the facility of buying the insurance online is also made available. This
will save the time as well as mediator cost. You can also opt for purchasing
from any trustworthy agent.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">When you apply for such insurance you have to go through
medical screening and have to provide general details of any diseases suffered
by you and also a doctor’s certificate for your health conditions.<o:p></o:p></span></div>
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</span></span><span lang="EN-US"> At last but not the
least if you face any risk covered under the policy you can directly contact
the insurance company and it will reimburse your expenses as per the policy
agreement.<o:p></o:p></span></div>
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<span class="yiv2375480635null"><b><span lang="EN-US">Disadvantages of Holiday Insurance for people over 70 years:<o:p></o:p></span></b></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">There are many few companies in the market that provide
insurance for such holiday travel of people over 70.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">Due to less availability of such product, the companies
charge very high premium.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">Also as the age of insured people are very high, this factor
also leads the insurance companies to raise the premium.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span><span lang="EN-US">If you are already suffering from any illness and face any
risk during holiday travel, some insurance companies do not reimburse such
expenses. Also they do not reimburse if you have come under any risk due to
intake of alcohol.</span></div>
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Holiday insurance for people over 70

Holiday insurance for people over 70 Insurance is generally used to cover the risk of life, theft, fire, flood, accidents, etc. One...

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<h2 style="text-align: center;">
Five Important steps to successful sales of critical illness insurance</h2>
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<span class="yiv2375480635null"><span lang="EN-US">As the words say,
Critical Illness Insurance is an insurance product, where the insurer is
contracted to make a lump sum payment in case where the policy holder is
diagnosed with one of the critical illness listed in the insurance policy. This
specific product is sold by the insurance companies through insurance agents
worldwide. In such a case, the companies as well as agents have to find the
place where they can get people suffering from critical illness to sell such
product. To make such sales more victorious, you can follow as well planned
strategy consisting of a five step formula. The same is given below.<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><span lang="EN-US"> </span></span> </div>
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<span class="yiv2375480635null"><b><span lang="EN-US">Step 1:</span></b></span><span class="yiv2375480635null"><span lang="EN-US"> <b>Identify the Market where you want to sale</b>:
Initially you have to find the market for selling the Critical Illness
Insurance. So first try to find the prospective customers. You can take data
from the companies providing health insurance. They may have the details of
people suffering from critical illness. Prepare whole database and set the
market area where your prospective customers belong to. Initially it may be
hard to decide your market base, but if you follow proper system you can easily
succeed in the task.<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><b><span lang="EN-US">Step 2: Identify the Gap</span></b></span><span class="yiv2375480635null"><span lang="EN-US">: After finding the details of prospective customers and
identifying the market, try to find out the reasons of gap between you and the
customers. There can be reasons like communication gap, no awareness or less
awareness, lack of knowledge, lack of motivation, etc. So it’s necessary to
remove such gaps so that you can increase your sales by communicating with the
prospective customers.<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><b><span lang="EN-US">Step 3:</span></b></span><span class="yiv2375480635null"><span lang="EN-US"> <b>Come in contact with the people who really
need it</b>: Try to communicate with the people who actually need such
insurance to meet the critical illness treatment expenses. You can try to
directly communicate with them. It is the best way of removing gaps between the
product and the customer.<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><b><span lang="EN-US">Step 4: Use Marketing Tools</span></b></span><span class="yiv2375480635null"><span lang="EN-US">: For communicating with prospective customers, there are so many
marketing tools available in the market. List of some of them is given
hereunder:<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><span lang="EN-US" style="font-family: 'Times New Roman', serif;">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span></span><span class="yiv2375480635null"><span lang="EN-US">Direct
Contact<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><span lang="EN-US" style="font-family: 'Times New Roman', serif;">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span></span><span class="yiv2375480635null"><span lang="EN-US">Making
the customers know about the product through Advertisement in newspapers, TV
Channels, Radio, etc<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><span lang="EN-US" style="font-family: 'Times New Roman', serif;">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span></span><span class="yiv2375480635null"><span lang="EN-US">You can
arrange for campaigns to bring awareness in people, as once people are aware
about the seriousness of the product, sales will definitely increase.<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><span lang="EN-US" style="font-family: 'Times New Roman', serif;">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span></span><span class="yiv2375480635null"><span lang="EN-US">You can
also promote them through schools, hospitals etc.<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><span lang="EN-US" style="font-family: 'Times New Roman', serif;">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span></span><span class="yiv2375480635null"><span lang="EN-US">Advertisement
can be given online regarding the critical awareness insurance. It is the most
modern way of imparting the information in public.<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><span lang="EN-US" style="font-family: 'Times New Roman', serif;">-<span style="font-family: 'Times New Roman'; font-size: 7pt;">         
</span></span></span><span class="yiv2375480635null"><span lang="EN-US">Grapewine
is also a very effective informal mode to advertise the product.<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><b><span lang="EN-US">Step 5:</span></b></span><span class="yiv2375480635null"><span lang="EN-US"> <b>Prepare Marketing Program</b>: Once you
come in contact with customers, you have to frame marketing program to increase
your sales. You can frame attractive schemes, give discounts; provide better
and unique services by differentiating your product from the others sold in
market and much more stuff can be added keeping in mind the profit factor. Try
to impress existing customers. They will definitely drag others in the scheme
if they are well satisfied with the product.<o:p></o:p></span></span></div>
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<span class="yiv2375480635null"><span lang="EN-US">The above tips can
be helpful if your profile and other factors support the same. It is suggestive
and you can use the same at your own option.</span></span><span lang="EN-US"><o:p></o:p></span></div>
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Five Important steps to successful sales of critical illness insurance

Five Important steps to successful sales of critical illness insurance As the words say, Critical Illness Insurance is an insurance...

+ Read more »