My policy no. 120358100 dated: 15/01/1997, policy no. 120876207 dated 27/02/99, policy no. 330416496 - 28/12/9
please answer of my these policies what happen i am paying so several premiums and what is now correct position and present good point of my policies fundvalue and full detials give me as impulsive as positible.Answers: If you are paying the premiums regularly, no need to verbs.
You have unstipulated the name of the insurance company and the identify of the plan. But if they are ULIPs, please refer to the company's website and find the NAVs. If they are not ULIPs then you can approach the branch to find the surrender values of those policies.
apposite luck
pnkmurthy(a)yahoo.com
http://www.geocities.com/pnkmurthy/lic.h...
The numbers do not lead you anywhere. The details required are : Name of the Insurer,
Policy type and detail.
Till what length you have rewarded the premium. Or simply you can ask your insurer to give a surrender worth quotation for the respective policies.
After these you can arrive at a value and see your cost and commensurate benefit.
Then you can opt what to do.
Go straight to your insurance agents office, because they are the just ones that can answer what I think it is you want to know.although you question(s) are extremely embryonic?
Flood Insurance - I hold a Serious Question...?
I live in UK and my house is within an area at risk from flooding, although I've never particular it to flood in the 10 years I've lived here. A few years rear legs the Environment Agency set up a telephone flood word system whereby if you register for it, you receive automated telephoned flood warning. Naturally I thought this was a virtuous idea and I registered in the order of 3 years ago, and since then own received 3 warnings, one at roughly 3am, waking me up! When I receive these warning I always wonder what I should do. Carry adjectives my belongings and furniture upstairs? In the end I did nought and went backbone to bed, and of course the predicted flood never happen.The question is, if sooner or later I receive a warning, hold no action as usual, and consequently the house does get flooded, would my insurance company penalise me because I hadn't taken any undertaking despite being warn?
I'm thinking of withdrawing from the scheme for this explanation.
Answers: No, your insurance company won't penalize you . . . because your homeowners policy doesn't cover FLOOD. Yep, that's right, there's NO FLOOD INSURANCE in the UK, to the best of my awareness.
So, the FLOOD will penalize you. You'll lose your stuff, or at least own a huge mess to clean up.
So, NOW what will you do?
I expect here in the UK that flood insurance is purchased as a seperate policy (as it is here contained by the US)! While I would not want to lose all my worldly possessions, my greatest concern would be for the lives of my ethnic group, and myself! Remember there are different degree of flooding...is it just going to teem the lower part of your house near water, or is is going to rinse out your house totally away?
As to the cost of flood insurance, it will vary greatly by where on earth you live, and the possible severity of a flood if it happens.
Whatever you do when you go and get these warnings, do not drive. There are heaps drownings when cars caught washed sour roads by floodwaters.
O.k it's a little rock-hard to tell you what to do because within United State the rules are a little bit different than U.K. I can suggest to you to shift to your unsurance compagny and try to deal near them..Sorry my man... I feel extremely sad for what happen to you. Take Careyourself Peter.
What does home insurance cover?
Answers: Depends on what type of homeowners policy you purchased as to what specific perils are covered.
However = here's some basic info that applies to almost all of the homeowners policies (parts of the policy):
Coverage A - covers the resident structure and fixtures attached to the structure.
Coverage B- covers other structures on the property (fences, outbuildings, non-attached satelight dishes) - not retaining walls, warfs or docks.
Coverage C - contents - personal property. This is the stuff you take with you when you move.
Coverage D -loss of use - in the event of a loss that renders your home uninhabitable- this coverage is used to pay for temporary housing - expenses above and beyond your normal expenses
Coverage E: Personal Liability - this pays for damages casued to others which arise out of the ownership. occupancy, use of your property (for non-residents of the household). In order to collect under this coverage - you have to be negligent - legally liable for the persons injuries. This is the one that kicks in if your dog bites someone or they trip on your loose step.
Coverage F: Medical Payments To Others - this pays for medical bills that are incurred by others who are non-residents of your household. It's sort of a make nice coverage. You do not have to be legally liable for the person's injuries. It does not pay pain/suffering or lost wages. It usually provides about 5000 worth of coverage.
Basic plans for home insurance are the most popular and the majority of people purchase basic home insurance polices as they considered to be the cheapest.
Basic plans cover the most common types of disasters such as:
√ Fire
√ Lightning
√ Theft
√ Wind - Hail
√ Explosions
√ Vandalism - riots - civil unrest
√ Liability for accidents to others i.e. your visitors who may get injured when visiting your home is generally also covered to some extent in basic home owner insurance policies.
Source: http://insurancetipstoday.com/Home_Insur...
Go talk to your agent, ask them to explain it. The STANDARD HO3, covers building, other structures, contents, loss of use, personal liability, and medical payments.
To THOROUGHLY explain exactly what is covered in any given policy, I'd have to type out about 20 pages, OR, give you a 45 minute lecture. Not something easily done on yahoo, especially because there are a BUNCH of different forms out there.
You need a specific form answer - which you can get from your agent.