the policies death benefit to a policy owner-insured that suffers from terminal illness and has a physician certified life expectance of 12 months or less. Abstract Insurance business was introduced into Ethiopia based on mutual assistances and its modern form traces back to 1905, when bank of Abyssinia began to underwrite fire and marine insurance policy, as an agent to foreign insurance company. Ordinary life insurance Ordinary life insurance policies are marketed on an industrial basis, usually in units of 1,000; policy holders make predict premium payments. The Structure of Life Insurance Business in Terms of Market Share.1.2. Each endowment policy specifies a maturity date, which is the date on the policys face amount is paid, if the insured is still living; if the insured dies before maturity date the policies face amount is paid at the time of the insureds death. The Performance of life Insurance in NIC in Term of sources of Revenue /Premium/ This subsection tries to give an insight into the sources revenue or premium of life insurance in NIC. Generally the gross written premium and the net written premium, as a performance in previous years indicate showed an increase. The result of this study reveals that gross written premium and net written premium showed on increasing trend. Accidental death benefit is an additional benefit in a permanent policy by extending the existing policy rather than issuing new policy and double benefit will be paid when accidents occur. Data Presentation and Analysis.1. Accidental Death and Dismemberment (AD D).3.3.
It is a policy where an insurance company promises to pay benefit on the death of the person whose life is insured. The Structure and Trend of Life Insurance.1.1. In the following terms. Insurance business can be used as a peace of mind for individuals and business entities, loss control measures, social benefit, investment of funds and invisible earnings.
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A) Standard Risk Category This category includes people who though their health or life style do not present any extra mortality risk.e. By accepting premiums, insurance companies promise to compensate policy holders if certain pre-specified events occur (rnett, 2001). Credit Life Insurance This insurance protects leaders against the borrowers death prior to the repayment of a dept contact as mortgage or car load. Usually issued to corporate employers, this policy may be either contributory (where the employer c0vers a share of the employees how to keep our school clean essay cost of the insurance) or non contributory (where the employer does not contribute to the employees cost of the insurance) for the employees themselves. It may request the physical examination.
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