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Business Insurance Market Upturn Growth 2019 Allianz, AXA, Nippon Life Insurance, Aviva, Cardinal Health Rise Media

This report studies the Business Insurance market status and outlook of global and major regions, from angles of players, regions, product and end Application/industries; this report analyzes the top players in global and major regions, and splits the Business Insurance market by product and Application/end industries. Geographically, this report split global into several key Regions, with, revenue (million USD), market share and growth rate of Business Insurance Industry for these regions, from 2014 to 2025 (forecast). The newly released market study titled Global Business Insurance Market 2019 provides pin-point analysis for changing competitive dynamics and future perspective on...

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Genetic discrimination and life insurance: a systematic review of the evidence, BMC Medicine, Full Text

Abstract Background Since the late 1980s, genetic discrimination has remained one of the major concerns associated with genetic research and clinical genetics. Europe has adopted a plethora of laws and policies, both at the regional and national levels, to prevent insurers from having access to genetic information for underwriting. Legislators from the United States and the United Kingdom have also felt compelled to adopt protective measures specifically addressing genetics and insurance. But does the available evidence really confirm the popular apprehension about genetic discrimination and the subsequent genetic exceptionalism? Methods This paper presents the results of a systematic,...

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Is A Term Life Insurance Policy Considered An Asset? - Life Ant

FREQUENTLY ASKED QUESTIONS Term life insurance is rarely considered an asset. A financial institution would not consider a life insurance policy an asset unless it has a cash surrender value, and most term policies do not. Term life insurance mathematically has value because it will pay out in the event of a death of the insured person. Whether or not it is considered an asset depends upon who you speak with. What Is An Asset? What Is An Asset Class? Before we delve into why term life insurance policy is considered an asset or not, we should back up for a second and define what an asset – and an asset class – really is. An asset is something you buy today and that you expect will have...

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Life insurance helps with retirement planning, but beware of the pitfalls

C ash-value life insurance could prove to be a valuable asset for clients looking to couple an insurance need with tax and portfolio diversification in retirement. But there are some major caveats involved — namely, product considerations are complex and numerous, and using this strategy inappropriately in a retirement income plan can trigger major pitfalls for clients. Cash-value life insurance, the most common form of permanent insurance, comes in a few flavors — whole life and categories of universal life, such as variable, indexed and current-assumption. Each has an insurance component providing a death benefit, as well as a separate, tax-advantaged cash-accumulation...

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Canara HSBC Life Insurance - A Leading Life Insurance Company in India

Canara HSBC Oriental Bank of Commerce Life Insurance - A Leading Life Insurance Company in India Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited was launched in June 2008 and is jointly owned by two of the leading public sector banks - Canara Bank (51%) and Oriental Bank of Commerce (23%) and HSBC Insurance (Asia Pacific) Holdings Limited (26%), the Asian insurance arm of one of the world's largest banking and financial services group - HSBC. The Company has access to over 115 million customers and a pan-India network of over 10,000 branches of bank partners. The formidable distribution strength and in-depth local market knowledge of Canara Bank and Oriental Bank of...

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Life Insurance - Wealth Management and Financial Planning Services, New Millennium Group

The last thing we want is to leave a financial burden behind for our children and loved ones. That’s why our experienced financial advisors help clients choose the life insurance plan for their specific situation. Policies are used to offset debts, the high costs associated with passing away and even to leave a financial gift for a surviving spouse or the next generation. After your policy has accumulated cash value for a few years, money from the policy could potentially be withdrawn. Of course, doing so will decrease the death benefit, but having an emergency fund could help provide financial protection to you and your family. People over fifty years old who haven’t already started a life...

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Life insurance: genomic stratification and risk classification, European Journal of Human Genetics

Access to genetic information by life insurers has been a topic of discussion for many years. The possibility of using genetic data to underwrite an applicant’s insurance policy has given rise to concerns about the emergence of ‘genetic discrimination’. Genetic discrimination in the field of life insurance is not necessarily illegal in that in insurance underwriting questions about health, family history of disease, or genetic information may constitute legal exceptions to antidiscrimination legislation. Nevertheless, the expression ‘genetic discrimination’ has acquired public notoriety and we will use more neutral language in this paper. Countries including Canada, the United States,...

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Fitbit-based life insurance is a potential privacy and security nightmare

John Hancock is one of the oldest and most established insurance companies in the United States. According to Reuters, it’s also the first US insurance company to ditch traditional life insurance policies entirely in favor of “interactive life insurance.” What does this mean? Essentially, John Hancock is encouraging (but not mandating) that policyholders to share health and lifestyle data with the company. This data typically comes from wearable devices, like the Apple Watch or Fitbit. Those who lead healthy, active lifestyles are likely to live longer than, say, an overweight chain-smoker that has never even stepped foot in a gym. Insurance companies want healthier customers, as it means...

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Strap on the Fitbit: John Hancock to sell only interactive life insurance, Reuters

(Reuters) - John Hancock, one of the oldest and largest North American life insurers, will stop underwriting traditional life insurance and instead sell only interactive policies that track fitness and health data through wearable devices and smartphones, the company said on Wednesday. The move by the 156-year-old insurer, owned by Canada’s Manulife Financial Corp ( MFC.TO ), marks a major shift for the company, which unveiled its first interactive life insurance policy in 2015. It is now applying the model across all of its life coverage. Interactive life insurance, pioneered by John Hancock’s partner the Vitality Group, is already well-established in South Africa and Britain...

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Universal life insurance, a 1980s sensation, has backfired

Universal life insurance, a 1980s sensation, has backfired A popular insurance product of the 1980s and 1990s has come back to bite many older Americans. Quotes in the article Universal life was a sensation when it premiered, and for some years it worked as advertised. It included both insurance and a savings account that earns income to help pay future costs and keep the premium the same. That was when interest rates were in the high single digits or above. Today, rates are completing a decade at historically low levels, crimping the savings accounts. Meanwhile, the aging of the earliest customers into their 70s, 80s and even 90s has driven the yearly cost of insuring their lives much...

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