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Among out of favour financial stocks, life insurers are shining

This growth was led by non-participatory and annuity products (Hemant Mishra/Mint) Among out of favour financial stocks, life insurers are shining 1 min read . Updated: 26 Aug 2019, 12:02 AM IST Aparna Iyer Growth in retail insurance sales of non-participatory products has made the portfolio more stable and increased margins The growth in retail insurance sales of non-participatory products has made the portfolio of life insurers more stable and increased margins Selling life insurance has never been easy, but getting investors to buy their stocks is becoming all too easy for life insurers. A booming business and a growing market share have led to big gains for the three listed life...

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What is guaranteed cash value in a life insurance policy?

Ask the Life Insurance Expert What is guaranteed cash value in a life insurance policy? Guaranteed cash value life insurance policies are cash accounts that gradually build over time as part of a permanent life insurance policy. Permanent life insurance, such as whole life, insures you for an entire lifetime. Once the policy goes into effect, the life insurance company pays a death benefit no matter when you die. As you pay premiums, a guaranteed life policy's cash account grows with interest, tax-deferred, as a sort of enforced savings account. Guaranteed cash value policies can help you pay for emergencies or temporary needs. Once the cash value account has reached a certain level, you...

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Performance Lab Technologies, Vivametrica team up for life insurance platform, MobiHealthNews

Kiwi company Performance Lab Technologies, which specializes in behavior-changing technology, is joining forces with Vivametrica, an activity-based health scoring and insurance underwriting company, to create a new platform called EngageRate. This endeavor is aimed at engaging life insurance policy holders with their health by offering personalized artificial intelligence coaching and activity tracking. It also helps insurance companies track and validate their underwriting services. Activity data has become increasingly valuable to both insurers and consumers. The companies said that the new platform was designed to help insurers more accurately understand their clients and for members to...

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A secondary market for life insurance using blockchain - Ledger Insights

Many policyholders are unaware that they can sell their life policies. Depending on location, secondary markets currently are at best opaque and obscure and at worst non-existent. Singapore-based startup fidentiaX plans to change that. The demand Seniors often wish to exit their life insurance commitments for various reasons. They may need the money for care or medical expenses, they may no longer be able to afford the premiums, or perhaps the beneficiary doesn’t need the money. In the US, 250,000 policies a year with a face value of more than $57 billion are lapsed and surrendered back to life carriers. The average face value of a surrendered policy is approximately $225,000 as of...

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Where workouts can help save on life insurance premiums

If they participate in the programme, customers will be able to reduce annual premiums by 15 per cent, but they will also be asked to report their habits on eating, drinking and exercise — or lack thereof — to their insurance company. Picture for illustrative purposes only. Image Credit: Supplied Brian and Carla Restid, a couple in their mid-60s, bought life insurance four years ago to protect their lifestyle in retirement. A year later, they upgraded to a pilot programme offered by the insurer to get fitter, healthier and more energised. In exchange for working to improve their well-being and providing details about the process, they have saved $700 so far in premiums. “It provided a...

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John Hancock Life Insurance Rewards Activity - Fitbit and Smartphone Data for Life Insurance

John Hancock Insurance knows living a healthy lifestyle pays off, and now they want to reward policy holders for it, too. The company announced on September 20 that their Vitality program will expand to all policy holders to incentivize healthier life choices linked to physical activity, nutrition, and mindfulness. The program has been offered since 2015, but now it will expand to all its life insurance plans. “For centuries, the insurance model has primarily provided financial protection for families after death, without enhancing the very quality it hinges on: life,” said Marianne Harrison, John Hancock president and CEO, in a press release. “We fundamentally believe...

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Eric Birkenstein - Testimonials For Life insurance Planning, Group Disability Insurance, Whole Life Insurance Quotes

I owned several older life insurance policies which needed updating. We not only reduced our premiums, but also have a long term care rider at no additional cost. My family and I were very pleased with the work Eric and his firm performed. Owner of a 96 year old plumbing and heating service company Eric has been helping me for over 20 years as a valued trusted advisor. I am aware of others in Eric's industry who are fast talkers and put strong pressure on clients to decide. Rest assured, that is never the case with Eric. He is very effective in explaining complicated life insurance concepts in plain words and was very patient with me as I was considering my choices. I also appreciate his...

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Wearables: A Game-Changer for Life Insurance Customer Engagement

While the popularity of wearables in the form of fitness trackers is on the decline, the popularity of wearables in the form of smart watches that have embedded fitness trackers is booming. Whether the demand comes from health-conscious consumers looking to monitor the number of steps they take, stairs they climb, and calories they burn, or gadget-hungry consumers that want the convenience of a smart watch and get the bonus of a fitness tracker isn’t entirely clear. Whatever the reason, as wearables become more affordable and prevalent, 23% annual growth is expected, leading to a $100 billion market by 2023, and reaching more than $150 billion by 2026, according to an IDTechEx report. [1]...

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Are medical exams required for life insurance?

Answer: In general, an insurance company has the right to make you submit to a medical exam when you apply for an individual life insurance policy. And don't be surprised if the companies that you apply to exercise this right, especially if you're older and/or have a history of health problems. Your present health is one of the key factors that companies use to evaluate you as an insurance risk. In fact, if a company asks you to take a medical exam and you refuse, the company may refuse to sell you a life insurance policy. If you agree to take the medical exam, expect it to be fairly extensive. At the very least, the exam will involve answering medical questions, being weighed, and blood...

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Documents - Financial Action Task Force (FATF)

6 July 2018 - The FATF is currently developing guidance to assist countries, competent authorities, insurers and insurance intermediaries in the application of a risk-based approach (RBA) to AML/CFT. The guidance is intended to provide support both to the private sector and to supervisors, by focusing on ML/TF risks and associated mitigation measures. The FATF is consulting private-sector stakeholders before the guidance is finalised, and wishes to receive your views on, and specific proposals to the text of the Draft RBA Guidance Life Insurance The draft guidance contains a section on Guidance for the private sector. Your specific comments on whether this section provides sufficient...

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