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7 Ways To Disrupt Insurance With Customer Technology
Technology Industry Insurance
1: Insuring innovation for technology companies
With regards to innovation development, the main thing keeping innovation organizations down ought to be creative energy, not protection. We comprehend the scope of dangers innovation organizations confront, and we're prepared for what the future may bring.
Voyagers is the safety net provider of decision for an immense scope of innovation organizations since we comprehend being good to go in the innovation segment: constantly one stage in front of the patterns and continually enhancing.
We can enable you to break down your present dangers and envision those you may look later on, and have protection answers for help you oversee both.
2: Our Industry Expertise
Explorers has a broad history of creating imaginative protection items – our developments for the innovation business go back to the 1960s, when we were the principal safety net provider to secure electronic information handling hardware, information and media.
Our experience is second to none and our kin, our items and our administration demonstrate it.
3: Protection Products
Our innovation protection items and administrations are intended to fit innovation organizations in each life state – from rising to the entrenched.
Our powerhouse arrangement of items for innovation organizations incorporates:
4. Ongoing CX Engagement
Insurance is about building relationships with customers. Technology and IOT devices can unite updated customer information to know when customers have a new home, a new baby, or a new driver. Staying on top of communication allows insurers to more successfully engage with customers and offer additional services.
It tends to be that bigger companies have more fragmented communication. Even large companies can aim for customization and the personalized touch of a smaller insurance company. Big data can also be used to analyze customer feedback to be constantly improving.
Insurers should not underestimate the changes that digital will bring to their industry and the significant profit improvements that are within their grasp if they don’t shy away from the exciting future unfolding for the industry. If they act decisively, they will be among its leaders. Technology has the power to transform the insurance industry and provide new opportunities, if only insurers will take the risk and make the change.
5: Commercial General Liability Insurance
Commercial General Liability (CGL) is probably the most common business liability coverage. General Liability coverage responds to claims of bodily injury (someone comes into your office and slips and falls, or you go to a client's location and physically injure someone) and claims of property damage (you knock a vase off a desk during a client meeting). These policies typically also respond to claims of personal injury (including slander or libel), and advertising injury. General Liability can usually be purchased alone or in a package with Property coverage, Hired and Non-owned Auto Liability, and Umbrella or Excess Liability.
6:. Cyber Liability / Data Breach Insurance
Often purchased as part of a Technology Professional Liability policy, Cyber Liability coverage is designed to protect IT businesses against liability and expenses arising from the theft or loss of data, as well as liability and expenses arising from a breach of data security or privacy, particularly when you are hosting client information. While your clients should carry their own Cyber Liability Insurance for the data and personally identifiable or confidential information stored on their servers, IT firms are wise to protect themselves with their own third-party coverage as well..
7:. life insurance
The purpose of life insurance is to provide financial protection to surviving dependents after the death of an insured. It is essential for applicants to analyze their financial situation and determine the standard of living needed for their surviving dependents before purchasing a life insurance policy. Life insurance agents or brokers are instrumental in assessing needs and establishing the type of life insurance most suitable to address those needs. Several life insurance channels are available
How Life Insurance Works
There are three major components of a life insurance policy.
Death benefit is the amount of money the insurance company guarantees to the beneficiaries identified in the policy upon the death of the insured. The insured will choose their desired death benefit amount based on estimated future needs of surviving heirs. The insurance company will determine whether there is an insurable interest and if the insured qualifies for the coverage based on the company's underwriting requirements.
Premium payments are set using actuarially based statistics. The insurer will determine the cost of insurance (COI), or the amount required to cover mortality costs, administrative fees, and other policy maintenance fees. Other factors that influence the premium are the insured’s age, medical history, occupational hazards, and personal risk propensity. The insurer will remain obligated to pay the death benefit if premiums are submitted as required. With term policies, the premium amount includes the cost of insurance (COI). For permanent or universal policies, the premium amount consists of the COI and a cash value amount.
Cash value of permanent or universal life insurance is a component which serves two purposes. It is a savings account, which can be used by the policyholder, during the life of the insured, with cash accumulated on a tax-deferred basis. Some policies may have restrictions on withdrawals depending on the use of the money withdrawn. The second purpose of the cash value is to offset the rising cost or to provide insurance as the insured ages