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 Should employers be forced to carry health insurance?
QUESTION:
With the cost of health care,
DO YOU THINK EMPLOYEES SHOULD PROVIDE provide group health insurance for employees to buy? No matter how small the group?

(i.e., ...


 Can anyone tell me abt a good LIC Policy?
I want to buy a LIC policy , which one is better pls suggest

for EMI-around 24000 yearly
or 12000 half yearly or 6k for q
any help will be highly ...


 Scamming insurance?
I bought a house and was convinced by the realtor to purchase a so called "Appliances Insurance". Five months later, water heater gone bad, called the insurance company. They were very ...


 Insurance deductible, can I get out of paying for being hit while legally parked?
My parked car was hit by a van being guided by an unlicensed/uninsured driver. I am now facing a $1000 deductible, though I have liability/comprehensive coverage through AIG. Perfect driving record ...


 Can you get life insurance without a social security number?
...


 Hi. I am a student. I don't work. My health insurance is gunna run out?
I am going to need medication, I won't have health insurance. I am addicted to the medication. The medication is too much money ($180 for a month, plus doctors fees). What do I do?

...


 Are you required to pay back a debt to a company that you know already wrote it off as lose, and got the money
...


 Uninsured friend driving my car and accident happend, what happens now?
We were driving on highway and all of a suddent the truck ahead of us stoped because the car infront of this truck was going at a speed of 10 because she was playing with her phone (that is what the ...


 If I was in someone elses car, and I FELL off of it, will their insurance rate go up if I make a claim?
How I Fell: I leaned towards the door, n It wasn't closed right so I fell out....


 Can I sue the insuance company?
I got the shaft from some one who hit me in the rear who had insurance. They said I changed lanes quickly and then hit my brakes. It is true I changed lanes but it was a good five seconds later after ...


 Insurance price.?
how much would insurance cost for a 16 year old buy. like on average?
Additional Details
health ...


 Holiday Insurance for the terminally ill?
Does anyone know if it is possible to get this and roughly how much it would be? Many thanks.
Additional Details
This is for my Mum who has cancer by the way....


 10 grand hospital bill....what now?
So I had health insurance, but forgot to pay on time one month. They cancelled my policy, and I called them and asked to be reinstated. I eventually got re-instated, but the time in between I had a ...


 Help! Is this wrong?
My husband and I were buying a home contract for deed. While living there we had to carry home owners insurance. In our contract it stated that the seller must cut down a tree that was in the front ...


 Cheating insurance?
i have insurance on theft. for example.. someone steals something from my house and my insurance will cover it... what if... i sell my computer ($1000) and a bunch of jewlery and stuff and then at ...


 If i get my wisdom teeth out, do i use my medical or dental insurance?
...


 When life insurance agencies test you urine, do they look for birth control ?
and when they ask if you are on meds, does that include bcps ?...


 Is it o.k to purchase life insurance on your parents without them bieng offended?
I have been contemplating the idea of purchasing a life insurance policy on my parents, because they both are about 62 years old and I know that eventually as much I would never want it to happen ...


 Which is life insurance company is number one position?
...


 Identity question?
i went to the bank with my mom to deposit my check. suddenly, i couldn't find my state ID and social security card. i probably dropped it by accident. is my identity at risk?
i am 16....



maxpoonam
How i can an insurance agent ( advisor). what are qualification required for insurance agent ?
as i want to be an insurance agent and i required phone no , email id of the person who can appoint me as insurance agent ?
                     
 




RAVINDER PAL
FOR insurance agent you can contact to MRS. MANJU KATHURIA cda PH: 9868152949 9868142949 9313684453 OR MAIL to rpkathuria@rediffmail.com.
You can do your work of insurance in any where in india. the essential information for insurance agent are as follows:

Qualifications of the applicant.--- The applicant shall possess the minimum qualification of a pass in 12th Standard or equivalent examination conducted by any recognised Board/Institution, where the applicant resides in a place with a population of five thousand or more as per the last census, and a pass in 10th Standard or equivalent examination from a recognised Board/ Institution if the applicant resides in any other place.

Practical Training . --- (1) The applicant shall have completed from an approved institution, at least, one hundred hours’ practical training in life or general insurance business, as the case may be, which may be spread over three to four weeks, where such applicant is seeking licence for the first time to act as insurance agent.
Provided that the applicant shall have completed from an approved institution, at least, one hundred fifty hours’ practical training in life and general insurance business, which may be spread over six to eight weeks, where such applicant is seeking licence for the first time to act as a composite insurance agent.
(2) Where the applicant, referred to under sub-regulation (1), is---
(a) an Associate/Fellow of the Insurance Institute of India, Mumbai;
(b) an Associate/Fellow of the Institute of Chartered Accountants of India, New Delhi;
(c) an Associate/Fellow of the Institute of Costs and Works Accountants of India, Calcutta;
(d) an Associate/Fellow of the Institute of Company Secretaries of India, New Delhi;
(e) an Associate/Fellow of the Actuarial Society of India, Mumbai;
(f) a Master of Business Administration of any Institution / University recognised by any State Government or the Central Government; or
(g) possessing any professional qualification in marketing from any Institution / University recognised by any State Government or the Central Government--
he shall have completed, at least, fifty hours’ practical training from an approved institution.
Provided that such applicant shall have completed from an approved institution, at least, seventy hours’ practical training in life and general insurance business, where such applicant is seeking licence for the first time to act as a composite insurance agent.
(3) An applicant, who has been granted a licence after the commencement of these regulations, before seeking renewal of licence to act as an insurance agent, shall have completed, at least twenty-five hours’ practical training in life or general insurance business, as the case may be, from an approved institution.
Provided that such applicant before seeking renewal of licence to act as a composite insurance agent shall have completed from an approved institution, at least, fifty hours’ practical training in life and general insurance business.


Examination.—The Applicant shall have passed the pre-recruitment examination in life or general insurance business, or both, as the case may be, conducted by the Insurance Institute of India, Mumbai, or any other examination body.
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Fees payable.-- (1) The fees payable to the Authority for issue or renewal of licence to act as insurance agent or a composite insurance agent shall be rupees two hundred and fifty.
(2) The additional fees payable to the Authority, under the circumstances mentioned in sub-section (3) of section 42 of the Act, shall be rupees one hundred.


Code of Conduct.----(1) Every person holding a licence, shall adhere to the code of conduct specified below:-
(i) Every insurance agent shall,---
(a) identify himself and the insurance company of whom he is an insurance agent;
(b) disclose his licence to the prospect on demand;
(c) disseminate the requisite information in respect of insurance products offered for sale by his insurer and take into account the needs of the prospect while recommending a specific insurance plan;
(d) disclose the scales of commission in respect of the insurance product offered for sale, if asked by the prospect;
(e) indicate the premium to be charged by the insurer for the insurance product offered for sale;
(f) explain to the prospect the nature of information required in the proposal form by the insurer, and also the importance of disclosure of material information in the purchase of an insurance contract;
(g) bring to the notice of the insurer any adverse habits or income inconsistency of the prospect, in the form of a report (called “Insurance Agent’s Confidential Report”) along with every proposal submitted to the insurer, and any material fact that may adversely affect the underwriting decision of the insurer as regards acceptance of the proposal, by making all reasonable enquiries about the prospect;
(h) inform promptly the prospect about the acceptance or rejection of the proposal by the insurer;
(i) obtain the requisite documents at the time of filing the proposal form with the insurer; and other documents subsequently asked for by the insurer for completion of the proposal;
(j) render necessary assistance to the policyholders or claimants or beneficiaries in complying with the requirements for settlement of claims by the insurer;
(k) advise every individual policyholder to effect nomination or assignment or change of address or exercise of options, as the case may be, and offer necessary assistance in this behalf, wherever necessary;
(ii) No insurance agent shall,----
(a) solicit or procure insurance business without holding a valid licence;
(b) induce the prospect to omit any material information in the proposal form;
(c) induce the prospect to submit wrong information in the proposal form or documents submitted to the insurer for acceptance of the proposal;
(d) behave in a discourteous manner with the prospect;
(e) interfere with any proposal introduced by any other insurance agent;
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(f) offer different rates, advantages, terms and conditions other than those offered by his insurer;
(g) demand or receive a share of proceeds from the beneficiary under an insurance contract;
(h) force a policyholder to terminate the existing policy and to effect a new proposal from him within three years from the date of such termination;
(i) have, in case of a corporate agent, a portfolio of insurance business under which the premium is in excess of fifty percent of total premium procured, in any year, from one person (who is not an individual) or one organisation or one group of organisations;
(j) apply for fresh licence to act as an insurance agent, if his licence was earlier cancelled by the designated person, and a period of five years has not elapsed from the date of such cancellation;
(k) become or remain a director of any insurance company;
(iii) Every insurance agent shall, with a view to conserve the insurance business already procured through him, make every attempt to ensure remittance of the premiums by the policyholders within the stipulated time, by giving notice to the policyholder orally and in writing;


☆ღWifey Wifeyღ☆
Rating
You seem like you can't even speak english, I doubt you'll be able to pass the P & C test and definitely not the life and health. Sorry buddy.


preet
Rating
The minimum qualification of insurance agent is 12th or equivalent examination conducted by any recognised Board/Institution,
Training -- The applicant shall have completed from an approved institution, at least, one hundred hours’ practical training in life or general insurance business, as the case may be, which may be spread over three to four weeks,


first you go to any insurance companey and tell him that i want to become an insurance agent. then he/she give you a yellow foam fill it and pay some money or make a draft favering of IRDA(Insurance Institute of India) and give an exam clear it and you are now an insurance agent/advisor


toknowmore
First try to have good command over the languages you communicate. You can easily pass the exam and become insurance agent. You have to attend 100 hrs training compulsory.
Approach nearby insurance company for which you wish to work and they will help you become an agent

Good Luck
pnkmurthy@yahoo.com
http://www.geocities.com/pnkmurthy/lic.html


natethenorsk
Rating
Check first with your state's department of insurance. You must be licensed in the state you market and sell insurance in to sell the lines of insurance you're interested in. The next thing to do would be to contact the companies you're interested in representing. Insurance companies are always looking for more people to market their products. Start by looking for a phone number on the company website. Even if it's a customer service line, you will be directed to the licensing and appointment department.


ZeR
Rating
Get you license first (Fire & Casualty, Personal Lines or Life). You have to take 52 (40 + 12 Code & Ethic) hour class of one of the above and take state exam to get your license. Try to look for insurance companies from internet i.e. Farmers, Allstate, Statefarm, etc. and try to contact them or apply for a job or to be their agent.


periyar selvam
if u r from a rural area, ur edu qual should be atleast high shcool level or from an urban area means u should be higher secondary qualified. u can approach any insurance company offices and there will be some person will look after agent training and empanelment. u can approach him and he will arrange for the 100 hrs training and exam.


Max
only a conman can appoint another wannabe


MAHESH PATIL
Rating
u have to pass the exam of IRDA

qualification req 12th pass


A guaranha
Rating
I'd imagine you need good command of the language to be able to sell anything


Raghavendra R
Rating
You go to any Insurance Company . There will be many agents , you come across. If you approach agents or office managers , they will guide you properly.Minimum qualification up to the school finals. They will give you training and take you as their agents, All other details you can get it from them Yours VRVRAO


Zakir
I have completed 10th and done NCTVT from board. can any one tell me i am qualification is capable to be a agent for general insurance company or not. if yes to whom i have to contact.


kishore
Rating
I have completed 10th std and cleared MA from open university can i apply for IRDA course to become life insurance agent


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