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Wednesday, 14 August 2019

New National Flag Word Set Your WhatsApp Dp

New National Flag Word Set Your WhatsApp Dp

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So long as insurance remained the monopoly of the Government, the need for an independent regulatory authority was not felt. However, with the acceptance of the idea that there can be private insurance entities, the need for a regulatory authority becomes paramount. With the passing of the Insurance Development and Regulatory Act in 2000, the insurance regulatory authority has become a statutory authority. Protecting consumer interest involves proper disclosure, keeping prices affordable, some mandatory products and standardization. Most importantly, it has to make sure that consumers get paid by insurers. From the consumers’ point of view, the most important function of the regulatory authority will be to ensure quick settlement of claims without unnecessary litigation. With respect to solvency and financial health, regulations will have to be introduced to ensure that insurance companies follow appropriate prudential norms such as solvency margins. Large funds are under the custody of the insurers and they get invested to produce additional returns. The management of these funds is important to the insurer, the insured and the economy. Entry into the insurance industry must also be regulated with suitable capital adequacy norms. The third role should be one of development. The insurance industry in India has a large potential and the framework of regulation must enable the industry to tap this vast potential.

IRDA over the last decade has brought into force a number of regulations which are well conceived. They have received wide spread appreciation. The recent decision of IRDA to move to a free tariff regime for several general insurance products is welcome. The prescription of tariff is contrary to market principles and insurance products need to be priced based on market forces.

The reform of the insurance sector is part of the overall economic reform process that is underway. The basic philosophy underlying the new economic policy is to improve the productivity and efficiency of the system. This is sought to be achieved partly by creating a more competitive environment. The growth of the real economy depends upon the efficiency of the financial sector. A greater element of competition is being injected into the financial system as well.

All regulators need to keep in mind that there is a fine distinction between regulations and controls. Regulations lay down norms while controls have a propensity to micromanage institutions. Regulators must take care to ensure that regulations do not slide into controls.

The insurance industry in our country underwent a big change in 2000 when private participants were allowed into the industry along with a streamlined regulatory and supervisory regime. There are at present 14 private life insurance companies along with LIC and 12 entities in non-life sector. There is evidence to show that competition has done good to insurance industry. The rate of growth of the industry in the post liberalization period has been faster. It has also developed in terms of product innovation and the use of alternative distribution channels.




















































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Set Your Name Image In Watsapp Dp

Set Your Name Image In Watsapp Dp

Insurance and economic growth mutually influence each other. As the economy grows, the living standards of people increase. As a consequence, the demand for life insurance increases. As the assets of people and of business enterprises increase in the growth process, the demand for general insurance also increases. In fact, as the economy widens the demand for new types of insurance products emerges. Insurance is no longer confined to product markets; they also cover service industries. It is equally true that growth itself is facilitated by insurance. A well-developed insurance sector promotes economic growth by encouraging risk-taking. Risk is inherent in all economic activities. Without some kind of cover against risk, some of these activities will not be carried out at all.

Also insurance and more particularly life insurance is a source of long term savings and life insurance companies are thus able to support infrastructure projects which require long term funds. There is thus a mutually beneficial interaction between insurance and economic growth. The low income levels of the vast majority of population has been one of the factors inhibiting a faster growth of insurance in India. To some extent this is also compounded by certain attitudes to life. The economy has moved on to a higher growth path. The average rate of growth of the economy in the last three years was 8.1 per cent. This strong growth will bring about significant changes in the insurance industry.

At this point, it is important to note that not all activities can be insured. If that were possible, it would completely negate entrepreneurship. Professor Frank Knight in his celebrated book “Risk Uncertainty and Profit” emphasized that profit is a consequence of uncertainty. He made a distinction between quantifiable risk and non-quantifiable risk. According to him, it is non-quantifiable risk that leads to profit. He wrote “It is a world of change in which we live, and a world of uncertainty. We live only by knowing something about the future; while the problems of life, or of conduct at least, arise from the fact that we know so little. This is as true of business as of other spheres of activity”. The real management challenges are uninsurable risks. In the case of insurable risks, risk is avoided at a cost.

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Tuesday, 13 August 2019

Navneet GENERAL KNOWLEDGE BOOK 2019

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Daily Latest Job Updates, daily Gujarat samachar, Latest upcoming Gujarat information, various jobs wolk in Interview, interview please and other important information given below address.

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rooted, the app will perform a “limited” scan for your deleted photos by searching your cache and thumbnails. If your device is rooted, the app will search all of your device’s memory for any trace of photos, as well as videos! Permanent Data Deletion Recovers data lost due to accidental deletion or emptying the Recycle Bin. Missing or Lost Partition 

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Missing or Lost Partition Recovers data from missing and deleted partitions—lost due to drive corruption or accidental deletion. hard drive Hard Drive Corruption Recovers data lost from corrupt and RAW drives due to reasons like improper use, power failure, malware attack, etc. virus attack Virus Attack Recovery Recovers lost, deleted, and hidden data from malware or virus-infected storage media and Windows systems in 3-simple steps crash recovery OS Crash Recovery Recovers data from the unbootable system and corrupt drives after Windows crash and Blue Screen of death (BSOD) DiskDigger can undelete and recover lost photos and images from your memory card or internal memory. No rooting necessary!* Whether you accidentally deleted a photo, or even reformatted your memory card, DiskDigger’s powerful data recovery features can find your lost pictures and let you restore them. You can upload your recovered files directly to Google Drive, Dropbox, or send them via email. The app also allows you to save the files to a different local folder on your device. If your device is not rooted, the app will perform a “limited” scan for your deleted photos by searching your cache and thumbnails. 

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