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Archive for January, 2009

Sure Things

Monday, January 19th, 2009

* Fire Insurance

This insurance covers movable and immovable property against the risk of fires. The insurer compensates the insured for the damage they had suffered property insurance subject, owing to a fire, his post provided he has not been intentional.

* Insurance against hail: Plantations can be very damaged, with the fall of hail, so this insurance provides a truly useful service to farmers who have sown their insured against the risk. Only compensation for damage caused by hail without taking into account losses that might have caused the lluviaso wind.

* Motor vehicle insurance

Liability: For a third and injuries caused by damage to these things. If the owner of the vehicle insured from accidents cause injuries or death of a third, the company responds to a certain amount. Compensation for damage is lower.

Fire, accident and theft: the policy protects the owner of the vehicle against these risks in accordance with the sum insured. In case of accident insurance covers damage to the vehicle.

* Secure transport

Can be rainy sea, land and air, covering the risks that weigh on the means of transport, passengers carried and effects. The company compensates the owner of the means of transport damage they may suffer in fulfilling its mission by several accidents, according to the sum insured. Also this insurance covers the damage or injury passengers may suffer as a result of transportation accidents.

* Insurance crystals

This insurance provides compensation to a person or company for damages that may result in breakage of the crystals of its business or property.

* Theft Insurance

Covers loss that you may experience a person for theft or shoplifting.

* Credit insurance

Covers the loss it causes, or appears to the insolvency of their business borrowers. Using a premium the insurance company undertakes to indemnify the loss and replacement in the actions that you can try to pursue the recovery of debt.

* Insurance employees’ loyalty

It took the companies to cover losses that may be suffered by infidelity of employees in case of fraudulent maneuvers.

Classification of Life Insurance, According to the Risk Cover

Friday, January 2nd, 2009

* Insurance in case of death: In this type of insurance, the death of the insured, the insurer pays the beneficiary up by that amount of insurance.

* Insurance in case of life insurance In the insurer pays the insured amount of insurance, provided they live to maturity of a given period of time. You can also agreed to pay a regular income while the insured lives, from a date fixed in advance.

* Insurance mixed up a combination of insurance against death and life. Therefore, the amount of insurance paid to the beneficiaries if the insured dies before the expiration of the contract and was delivered to him if survival to that date.

According to cover one or more heads

* Insurance on a head: the insurance is paid when the insured person dies.

* On two or more heads: This contract will ensure the life of two or more people and the insurance is paid when one dies for one or the other.

Attentive to the number of persons covered by the policy

* Individual Insurance: A contract by which a person is assured a certain death, life, or both.

* Insurance group: These contracts will ensure the life of many people. The insurance pays the death of these, the beneficiaries instituted.

According riders

* Insurance with additional clauses: In accordance with these terms the policy may provide other benefits.

* Insurance free riders: Those whose insurance only provides insurance against death, life or both.