Non-life Insurance - Top 5 Emerging Markets Industry

Research and Markets has announced the addition of the "Non-life Insurance - Top 5 Emerging Markets Industry Guide" report to their offering.

Non-life Insurance - Top 5 Emerging Markets Industry Guide is an essential resource for top-level data and analysis covering the Non-life Insurance industry in each of the Top 5 Emerging markets (Brazil, China, India, Mexico and South Africa). The report includes easily comparable data on market value, volume, segmentation and market share, plus full five year market forecasts. It examines future problems, innovations and potential growth areas within the market.

Scope of the Report

- Contains an executive summary and data on value, volume and segmentation

- Provides textual analysis of the industry's prospects, competitive landscape and profiles of the leading companies

- Incorporates in-depth five forces competitive environment analysis and scorecards

- Compares data from Brazil, China, India, Mexico and South Africa, alongside individual chapters on each country. .

- Includes a five-year forecast of the industry

Highlights

The top 5 emerging countries contributed $133.1 billion to the global non-life insurance industry in 2010, with a compound annual growth rate (CAGR) of 17.1% between 2006 and 2010.

The top 5 emerging countries are expected to reach a value of $200.2 billion in 2015, with a CAGR of 8.5% over the 2010-15 period.

China is the leading country among the top 5 emerging nations, with market revenues of $71.5 billion in 2010.

The China is expected to lead the non-life insurance industry in the top five emerging nations, with a value of $106 billion in 2015.

Why you should buy this report

- Spot future trends and developments

- Inform your business decisions

- Add weight to presentations and marketing materials

- Save time carrying out entry-level research

For more information visit http://www.researchandmarkets.com/research/1e0c45/nonlife_insurance

How Can Online Insurance Quotes Saves Your Time

by Ricky Hussey

In today’s life no one has time to waste and every one wants the work to be done as fast as it can be. In the past time you have to wait months in order to get the life insurance but now it is very easy to get the life insurance in very short time.

If you have a computer and an internet connection at your place then you can easily and very fast get your work done. Accessing through internet when you enter your need in the search engine a set of life insurance quotes will be displayed.

If you want to get the life insurance plan online then you have to answer some questions that are displayed when you open any insurance company website. According to your answers the insurance companies estimate the danger in giving you the insurance policy. According to the percentage of risk the amount varies. If the risk percentage is very high then the price will also be high and if the risk is very low then you can get the insurance on cheap rates. Through medical tests and other tests company also decides whether you are eligible for the specific insurance or not.

You have to answer all the questions honestly. In these questions you will be asked about your smoking and drinking habits, your weight. Some companies also provide you the insurance in case the risk factor is very high. The only difference is that the amount you are paying. At the time of purchasing any life insurance policyHealth Fitness Articles, it is important to consider some aspects. These aspects includes that you must know the name of the company who is providing the life time coverage policy you have chosen. Check out the ranking of the company between other companies involved in this field.

It is also important to check whether the company is able to help you at the time you need it. Does the policy include the medical exam or not. Check whether they offer good features on desirable rates. There are companies that offer money back policy where the policy lasts for some period of time and at the end of the policy you can make your mind up whether you want to continue it or want the money back which you have paid. Depending upon all these aspects you can decide which insurance company seems to be the best.

ABOUT THE AUTHOR
Comparison shopping website for insurance quotes. Get free insurance quotes for all other types of insurance in all states. We are not an insurance provider, but we are dedicated to helping consumers find the most affordable and competitive auto insurance quotes on the web.

Cheapest way to Get Quotes: Online Free Insurance Quotes

by Ricky Hussey

The best way to be secured against all unpredictable incidents is to get insurance. Insurance can be of any type like auto insurance, life insurance, health insurance, home insurance, etc. Insurance gives you a peace of mind.

Purchasing insurance is not as easy as it looks like but it surely is one of the needs today. Generally people go for the easiest way and get the quotes from their local insurance agents; however there are so many features and prices which may not be available with the local agents. So in order to meet the requirements there are many other ways by which one can ask for quotes. One of the easiest ways is online free insurance quotes, which is very fast and cheap and helps you save your money.

A free insurance quotes offers you the coverage according to your needs and circumstances. You won’t get offers from companies which doest fall into your requirements and in this way it is far better than a local agent who provides you with his conventional features.

Some of the benefits of the online free insurance quotes as compared to normal insurance agents who have those conventional features and follow the same old traditional methods are as follows:

v It is faster than any other method of getting the quotes from insurance companies, just a click away.
v It so convenient that you don’t need to go anywhere and can apply for quotes from your home only.
v It saves your money and gives you quotes of different companies at a click of a button.

Every policy is different from each other and by getting different quotes you have the opportunity to choose the best for you. While deciding for the best quote for you, you should consider the following factors:

Cost: UndoubtedlyPsychology Articles, difference in costs of various quotes especially when you look for a yearly premium.

Coverage: Whether you are receiving the coverage required by you.

Features: What are the different features available which can lower your premium and still give you best policy?

Now as you can see online free insurance quotes are the best way to get the lowest interest rates. Looking for more and more quotes online make you save more. It is very easy to get and reliable. You can search for quotes according to your needs in a very less time.

ABOUT THE AUTHOR
Comparison shopping website for insurance quotes. Get free insurance quotes for all other types of insurance in all states. We are not an insurance provider, but we are dedicated to helping consumers find the most affordable and competitive auto insurance quotes on the web.

Evaluate Your Financial Situation With An Eye For Life Settlements

by David Mickelson

Your life insurance policy is a negotiable and useful asset, just like stocks or bonds or real estate. One way to access your life insurance assets is through a life insurance settlement. With the professional assistance of a life settlement broker, your life insurance can be used to provide necessary funds.

Life settlements, also known as senior settlements, provide you with the opportunity to cash in on your life insurance policy. Far more stable than stocks and bonds, or even real estate these days, life insurance policies are long-term investments that provide far greater stability, even in times of economic trouble. You can take advantage of this financial asset in the form of a senior settlement.

Certified life settlement brokers can discuss the necessary considerations and provide you with expert advice in ensuring that you make the best financial decision possible with regards to your life insurance policy. Your life settlement broker can help you determine your current insurance needs and policy value to provide you with the information you need. Some factors you will discuss with your senior settlement broker are your age, your insured life expectancy and your policy value.

Your Current Age

Life insurance needs change as your age changes. Typically, if you are considering a senior settlement, your children are grown and you need money for college, you have medical costs related to being older, or you simply want to enjoy your retirement. In any case, your age is a factor you will discuss with you life settlement broker. Generally speaking, a good life insurance investment is one that covers 15-18 years or less, whereas most policies have life expectancies of 7-12 years. As a result, your best time to consider senior settlement is after age 70. In some cases, earlier is advisable.

Insured Life Expectancy

Your insured life expectancy is a function of your chronological age and your life insurance policy's remaining term. These figures are used by a life settlement broker to determine the current cash value of your life insurance policy. This figure can then be used to compare the cost of replacement insurance, expected cash-out value and other factors to determine if a senior settlement is in your best financial interest.

Policy Value

Very often, individuals discover that they are paying too much for too little life insurance and that they can sell their current policy for something less expensive that provides equal or better coverage and then cash in on the savings. Your life settlement broker can assist you in evaluating all of the factors involved, including policy value.

Your policy value is the combined size and face value of your current policy. Policies can be sold individually or they can be bundled. Policies valued $2-10 million are often sold singularly. Smaller policies are bundled to reduce risk. Your certified life settlement broker can provide you with the information you need to get the most out of your senior settlement.

Your life settlement broker can assist you in evaluating your financial options and can help you to maximize your financial net worth by knowledgeably and professionally comparing policies, cash values and available coverage while factoring in determinants such as age, insured life expectancyFree Web Content, and policy value.

ABOUT THE AUTHOR
David Mickelson is the president of David Mickelson Insurance Services, a leading firm offering life settlement services and brokers. Mickelson Life specializes in providing financial services and senior life settlements with the utmost care and respect for each client's unique situation.

Understanding Permanent Life Insurance Policies

by Christian Rios

Permanent Life Insurance comes in two distinct forms:

Whole Life - This type of Life Insurance policy is immune to factors that would otherwise cause an insurance policy's premium to increase. Two factors that determine insurance premiums are mortality rate and expense costs. As you age, your mortality cost increases and should therefore increase the insurance premium. But with a Whole Life policy, this isn't the case. The same applies for an insurer's operating expenses. If an insurance company has to increase its general staff or perhaps rent a larger office space, the cost is usually passed down to policyholders. This would not be the case for Whole Life policy holders. Those who purchase a Whole Life policy are buying a permanent life insurance policy without risk. The disadvantage to a Whole Life policy is if the policyholder decides to add additional coverage, he or she will be required to purchase an additional life insurance policy.

Universal Life - This type of policy is in direct contrast to a Whole Life policy. It is flexible in nature where a Whole Life policy is not. The two factors that determine a Universal Life insurance premium (mortality cost and expense cost) are passed directly on to the policyholder: if expense costs decrease or general interest rates rise, the policyholder benefits by having his or her insurance premium lowered. However, the opposite is also true: should expense costs increase or general interest rates drop, then the policyholder is subject to ever-increasing insurance premiums. Additionally, Universal Life policy holders are allowed the flexibility of increasing or decreasing policy limits without purchasing additional policies. Should you experience difficult times and be unable to afford the premium, you can simply lower the limits in order to decrease your policy premium. Increasing the benefit is also possible but may require the insured to prove good health to the insurer.

Other life insurance terms you should be aware of:

Variable - Variable means the policy holder is allowed to invest the cash value of the policy into areas such as the stock market. This can be beneficial if the cash value is invested wisely and the investment is profitable. However, if a poor investment choice results in a decreased cash value due to unexpected losses, the policyholder will be required to deposit additional funds to cover the cash value loss.

Cash Value Choices - Whenever a policy holder decides to terminate a permanent insurance policy early and that policy has established a cash value, the policyholder has several options available: receive the funds in cash, accept a prepaid permanent insurance for life (but at a decreased death benefit), or accept a term life insurance policy for the full death benefit.

Policy Loans - There is a fourth option to cash value called Policy Loans. The policyholder may borrow against the accrued cash value of his or her life insurance policy. If you decide to take a loan against your cash value and should you die before the Policy Loan is paid back, the insurer will deduct the unpaid loan amount from the death benefit. Although Policy Loans do have an interest rateFree Reprint Articles, it is usually quite low in comparison to conventional loans (it may be as low as 3 to 4 percent when dividend payouts are also factored).

ABOUT THE AUTHOR
For life insurance quotes, please visit: term life insurance quotes, lowest term life insurance rates us, and whole life insurance quote us.

5 Tips for Buying Life Insurance

by Kwame Kuadey

When you are looking to buy life insurance, different factors can affect how much you pay for coverage. This article will look at how you can buy great life insurance at the most inexpensive price possible.

The first tip when looking to buy life insurance is to buy it as early as possible. It is best that you buy when you are younger and when you are in better health. The cost to you will be much higher if you are in bad health or are much older. It will save you money if you buy at a younger age. It is a good idea to buy life insurance once you have dependents or a significant other.

The second tip when buying life insurance is to do your homework. In previous times, people bought from others simply because they knew them. The advent of the Internet has changed things so that you can compare costs. Many agents will sell expensive life insurance with high commissions for them so using the Internet can allow you to compare costs and choose the policy that is most cost-effective for you. This continues to help save you money.


The third tip is to ask questions. There are different subsets of life insurance so be sure to ask questions if you do not understand what the agent is saying. You do not need to buy life insurance with the first agent whom you sit down and talk with. This is where the Internet can be good for you as well. If you are confused, look up different terms on the Internet to get a clearer idea in your mind.


The fourth tip when buying life insurance is to ask questions to determine that you need it. Are you married or have children? Do you own a business? Do you own a great deal of property? If you answer yes to these kinds of questions, you should have life insurance. The money can go right to your beneficiaries and can often move faster than your estate will if you die unexpectedly.


The fifth tip when buying life insurance is to think about how much you will need. Each person will need a different amount so there is a simple equation that you can use. It is usually best to have anywhere from two to six times whatever your annual income. If you make forty thousand dollars a yearArticle Submission, this would mean that you would want coverage potentially on the low end from eighty thousand to the high end of two hundred forty thousand dollars or more. You may also want to increase this amount if you have children who were just born or who you expect may have to go to college. The cost of college continues to go up so you would want the proceeds from your life insurance policy to cover the cost easily. This can be something that you think through when sitting down to talk with your financial planner or your insurance agent.

Hopefully this can help you. It comes down to thinking about your situation and doing your homework. This will save you money in the end so that you get the coverage you need at the best possible price to you.

ABOUT THE AUTHOR
Kwame Kuadey is a gift card expert and runs a popular gift blog at http://blog.giftcardrescue.com/. Kwame is CEO & Founder of http://www.GiftCardRescue.com, an online marketplace where visitors can buy and sell unused gift cards. Kwame also runs http://www.ghanatravelpage.com

Life Insurance Settlement

by Grant Shellhammer

A new financial tool is now available for senior citizens. Life Insurance Settlements are quickly becoming a way for seniors to receive money from an under performing or costly life insurance policy.

A life insurance settlement is the sale of a life insurance policy (whole life, term, universal life, etc.) covering the life of one or more individuals with an “ascertainable and limited” life expectancy. A life insurance settlement is usually most beneficial seniors over the age of 65.

Some basic qualifications for a life insurance settlement are the above-mentioned age and health requirement, policy is assignable and beyond the contestability period, and the policy must be issued by a US insurance company. The higher the insurance company rating could provide a higher settlement amount.

The policy owner is paid a lump sum in cash in exchange for transferring ownership of the policy and premium requirements to the purchasing funder or company. The amount paid to the seller is stated as a percentage of the policy’s face amount and is calculated based on the specific life expectancy of the underlying insured. Each life insurance settlement amount is calculated on a case-by-case basis.
The popularity of life insurance settlements is due to the fact that if a policy owner was thinking about letting a policy lapse or surrender, they now have the opportunity to receive a payout larger than the surrender value. “It just doesn’t make sense, that seniors nationwide are letting life insurance policies lapse after paying years of premiums”. “By just exploring the option of a life insurance settlement they could be gaining thousands to hundreds of thousands of dollars they never knew were available to them,” says Grant Shellhammer of www.LifeSettlementPro.com. Another benefit is that there are no fees or obligations to have a policy evaluated to see if a life insurance settlement is available.

There are numerous other benefits to policy owners through a life insurance settlement. These include relief of costly premium expenses, higher cash payout than the surrender value, cash payout instead of a policy lapse, additional funds for retirement and other endeavors, funds for health related expenses, and other estate and financial planning needs.

To sum things up, a life insurance settlement is a strong and beneficial financial tool for senior citizens nationwide. Consumers now have options to receive more money versus the previous options of only a cash surrender or policy lapse. With the consumer friendly approach of a life insurance settlementFree Reprint Articles, the market will continue to grow.

ABOUT THE AUTHOR
Grant Shellhammer is a licensed insurance agent and affliate Life Settlement Broker with Life Settlement Pro.
Contact details:
grant@lifesettlementpro.com
1.888.973.8377
http://www.lifesettlementpro.com