Types of Life Insurance Form

It is most profitable business in current situation. Normal people will think Cyber cafe has only PC, Internet and print out. If you provide following services then you can earn more than 1.5 lakhs only in direct profit.(personal experience from Chennai).Fund transfer and micro atms. People need immediate transfer and if your cafe is open from 9 am to 10 pm you can cross 800 to 1500rs per day. Bank Holidays higher profits.Train ticket agent. Avoid personal login booking. Non bailable offense.Seat seller Agent(red bus).Flight ticket, Tour planner and hotel booking.Visa Services and passport.Pan card and DSC.IT returns and GST filings. Tie up with local Tax people or learn yourself. IT return filing for Salaried people is much easier.EB payment, postpaid, rechargesCredit card payment.Movie ticketsCollege and school fees paymentsExam fees(state and Central)Online form filling for exams from Neet to UPSC.Certificates from caste, Employment, Life, birth and death.Corrections in Aadhar, PAN any online documents.Life insurance renewals and royalty if you are LIC agent.bike and car insurance, road tax etcCurrency exchangeXerox , Plastic card , Color print out & Lamination For cropping, resizing additional cost.PF update and withdrawal.International and local Courier if you have space.Ola collections, Paytm KYC etcTTD, Sabarimala, Shirdi darshans.Typing in local languages & EnglishLand EC checking, Online tax paying like water, property etcIn some states there are different online schemes to get enrolled, renewals and withdrawals.CIBIL Score certificateCredit card swiping(2 to 3% commission)Moreover with digital India, people are looking for local knowledge nearby.All payments are becoming digital and cyber cafes with good reputation will give you best returns. Make sure your cafe never closes on any day even for lunch break. Trust, reliability, friendliness will yield positive feedback from customers.No matter how many Smartphones, Paytm, TEZ services comes, People looks for specific Knowledge locally. You can be creative and make changes as per consumer needs and requirements in future.Your cafe should be one stop solution for all. Use credit cards to make online payments which gives you back rewards points in most cases.Reward points alone provides more than 1 Lakh if you use continuously(indirect profit) and specific bank cards only provides 4x to 10x benefits while using online.Make sure you use Credit card after statement date so that the money will be in rotation for 50 days. My Statement generates on 10th January and due date is 30th January. I will start using from 11th January and Next due date is on February End or March 1st week. That gives me 45 to 49 days.Have 3 to 5 or more credit cards and be calculative on when, where and how to use. Minimum use if emergency arise.CAFE should be at center point or near to bank area for visibility. Even top geek will have to set foot once to avail one of the services above. Trust is one thing that make business popular. It takes more months to avail.Google, Digital God.

Departments of education and school districts always have to make decisions about what to include in their curriculum.  There are a lot of life skills that people need that aren't taught in school.  The question is should those skills be taught in schools?I teach high school, so I'll talk about that.  The typical high school curriculum is supposed to give students a broad-based education that prepares them to be citizens in a democracy and to be able to think critically.  For a democracy to work, we need educated, discerning citizens with the ability to make good decisions based on evidence and objective thought.  In theory, people who are well informed about history, culture, science, mathematics, etc., and are capable of critical, unbiased thinking, will have the tools to participate in a democracy and make good decisions for themselves and for society at large.  In addition to that, they should be learning how to be learners, how to do effective, basic research, and collaborate with other people.  If that happens, figuring out how to do procedural tasks in real life should not provide much of a challenge.  We can't possibly teach every necessary life skill people need, but we can help students become better at knowing how to acquire the skills they need.  Should we teach them how to change a tire when they can easily consult a book or search the internet to find step by step instructions for that?  Should we teach them how to balance a check book or teach them how to think mathematically and make sense of problems so that the simple task of balancing a check book (which requires simple arithmetic and the ability to enter numbers and words in columns and rows in obvious ways) is easy for them to figure out.  If we teach them to be good at critical thinking and have some problem solving skills they will be able to apply those overarching skills to all sorts of every day tasks that shouldn't be difficult for someone with decent cognitive ability  to figure out.  It's analogous to asking why a culinary school didn't teach its students the steps and ingredients to a specific recipe.  The school taught them about more general food preparation and food science skills so that they can figure out how to make a lot of specific recipes without much trouble.  They're also able to create their own recipes.So, do we want citizens with very specific skill sets that they need to get through day to day life or do we want citizens with critical thinking, problem solving, and other overarching cognitive skills that will allow them to easily acquire ANY simple, procedural skill they may come to need at any point in their lives?

Are you young, HIV positive, and receiving antiretroviral therapy? Your life expectancy is nearly the same as someone who is HIV negative. This is a huge change from just sixteen years ago, when young, HIV positive men and women could expect to live less than half as long as the general population.Unfortunately, the insurance industry has been slow to accept the fact that HIV has become a manageable disease. For years, it was impossible for someone diagnosed with HIV to get term life insurance. But now, thanks to a financial services startup and one of the largest insurance companies in the country, there is a term life insurance product for people living with HIV.Best case scenario: term life insurance with ÆQUALIS and PrudentialAs of right now, there is only one term life insurance option for HIV positive shoppers, and it actually just popped up at the end of 2015. Prudential Financial, one of the largest insurance companies in the U.S., has teamed up with ÆQUALIS, a financial startup dedicated to bringing life insurance to the underserved HIV community.Their life insurance offering comes in two flavors, Term Essential and Term Elite, depending on your overall health. You can only get term lengths of 10 or 15 years, which may be disappointing to those looking for 20 or 30 year policies. Both of these policies also come with a conversion rider, which allows you to convert your term policy into a permanent policy at the end of your term. They also come with an accelerated death benefit rider that will pay out your benefit earlier if you become terminally ill.As we mentioned before, this is currently the only term life insurance option on the market for people living with HIV. ÆQUALIS had to prove to Prudential, using data from other types of life insurance like guaranteed issue, that people living with HIV lived as long as people living without HIV. This is a byproduct of the way insurance companies have to make decisions – underwriters, the people who calculate just how risky you are for the life insurance company to take on as a customer, have to use established data from years of research in order to change policies.Other optionsWhile you can qualify for life insurance through Prudential and ÆQUALIS if you’re HIV positive, it’s not a guarantee – you still need to go through medical underwriting, and if you’re dealing with complications from HIV or have other medical issues, you may not get approved.There are other life insurance options, however. Some life insurance companies offer products called "simplified issue life insurance" and "guaranteed life insurance." (One caveat: while some insurance companies will accept applications for these products from HIV positive shoppers, not all do. Prepare for a potentially arduous application process.)Simplified issue life insurance is the better option of the two. Simplified issue life insurance is a type of "no exam policy," which means you don’t have to get a medical exam during the application process. This doesn’t mean that medical issues don’t affect your application – you just have to fill out a written form instead of getting a doctor to look at your insides. What’s the catch? Simplified issue life insurance is more expensive than traditional term life insurance products, and the death benefits are usually much lower.Your other option is guaranteed life insurance. It’s bit of a misnomer – you can still be denied a guaranteed life insurance policy for being HIV positive, for example – but typically, as long as you can afford it, you can get a guaranteed life insurance policy. Like simplified issue life insurance, it’s more expensive and has lower death benefits than term life insurance. However, it’s even MORE more expensive has even LOWER lower death benefits than even simplified issue life insurance. Unfortunately, for some in the HIV community, it may be the only option.Keep an eye out for progressWhile there’s only one term life insurance option for HIV positive shoppers, we expect other life insurance companies to expand their underwriting to cover people living with HIV in 2016 and beyond. Progress may be slow, but now that one insurance company has offered a product, other insurance companies will have to follow suit in order to stay competitive. Keep an eye on news sources in the HIV community and here at PolicyGenius in order to stay up to date on life insurance options for people living with HIV.

What is National Pension System (NPS)?National  Pension System (NPS) is a Pension Scheme, backed by the  Indian  Government to provide Pension benefits to all the Indian  Citizens,  irrespective of whether they are Government Employees, Private   Employees, Self Employed or Professionals.NPS has various variations. In this review we shall focus on the All Citizens Model of NPS. Are the Returns on NPS Guaranteed?There  is no Guarantee that would be available at the time of exit  from the  NPS and the accumulated wealth depends on the contributions  made and  the income generated from investment of such wealth. The  greater the  Principal invested, the longer the time horizon, the  probability of  high returns increases. Who can join the NPS?All Indian Citizens, whether Resident Indians or Non Resident Indians aged 18 to 60 years can join the NPS.How and where to open NPS account?Almost  all the Public and Private Banks are enrolled to act as agency of  NPS.  Simply pop into your favourite bank and ask them to provide you  the  requisite Forms. Fill them up and attach your Identity Proof,  Address  Proof and Birth Proof. These Banks are Points of Presence  (POPs). POPs  are the first points of interaction of the NPS subscriber  with the NPS  architecture. The authorized branches of a POP, called  Point of  Presence Service Providers (POP-SPs), will act as collection  points and  extend a number of customer services to NPS subscribers.You will be allotted a unique Permanent Retirement Account Number (PRAN) once your NPS account is active. You will receive your PRAN card  having  a 12 digit unique number. This unique account number will remain  the  same for the rest of your life. You will be able to use this  account and  this unique PRAN from any location in India.You can have only one NPS Account.What are the sub-types of NPS accounts?NPS Accounts have 2 sub-types: Tier I and Tier II Accounts.Tier I Account can be withdrawn only when the exit conditions are met, hence it is highly illiquid.Tier II Accounts on the other hand are extremely liquid. You need to have a Tier I Account to open a Tier II Account.You can have both Tier I and Tier II Accounts. What are the minimum contributions to be made to NPS accounts?Tier I Minimum Opening Contribution : Rs. 500Tier II Minimum Opening Contribution : Rs. 1000Tier I Minimum Amount per Contribution : Rs. 500Tier II Minimum Amount per Contribution : Rs. 250Tier I Minimum total contribution in the year : Rs. 6000Tier II Minimum total contribution in the year : Rs. 2000 Tier I Minimum frequency of contributions : 1 per yearTier II Minimum frequency of contributions : 1 Per YearIncase  of default to meet the minimum requirements, Your account  shall be  frozen. To unfreeze the account You have to clear all the dues  and pay  the prescribed penalty. Which Pension Funds can the Subscriber choose to invest in?At present You have the option to select any one of the following pension funds:ICICI Prudential Pension FundLIC Pension FundKotak Mahindra Pension FundReliance Capital Pension FundSBI Pension FundUTI Retirement Solutions Pension FundHDFC Pension Management CompanyDSP Blackrock Pension Fund ManagersThis list is not exhaustive, as more and more (Pension Fund Managers) PFM’s enroll, the options may increase.You can always change your Pension Fund Manager.You can have a different Pension Fund Manager for Tier I and Tier II Accounts. What are the Asset Classes in which You can choose to Invest via NPS?Class E:  You can invest upto 50 % of your  Investment in Equity (Class E), which  makes your Choice a risky  investment but increases the possibility of  high returns.Class C: Your Investments will be predominantly in Corporate Debt Instruments. This makes it less risky with moderate rewards.Class G: Investments will be predominantly in Government Instruments. This makes it extremely safe but poor returns.You may chose to invest ONLY in Class C and Class G. But You CANNOT invest 100% of your money in Class E via NPS.Can You actively choose Your Investment Class?Yes there are 2 choices available to the Subscriber.Active Choice is available for a savvy investor who  himself will chose how his money  should be distributed between the  different asset classes. Do note  that the You cannot choose a specific  security to invest in; You can  only choose the Class of Asset. The  Pension Fund Managers chose which  Stocks or Mutual Funds to invest in.  Their investment decisions are  based on their respective Investment  Policies. These Investment  Policies can be read on their respective  websites.Auto Choice is where the asset allocation is automatically made by the system based on the age of the subscriber.You can always change your choice.How can You exit the scheme?If You exit before you turn 60 years old:  You would  be required to invest at least 80% of the pension wealth to  purchase a  life annuity from any IRDA – regulated life insurance  company. Rest 20%  of the pension wealth may be withdrawn as lump sum.If You exit between age 60 to 70:  you would be  required to invest minimum 40 percent of your accumulated  savings  (pension wealth) to purchase a life annuity from any  IRDA-regulated life  insurance company. You may choose to purchase an  annuity for an amount  greater than 40%. The remaining pension wealth  can either be withdrawn  in a lump sum on attaining the age of 60 or in a  phased manner, between  age 60 and 70, at Your option.In case of Death: option will be available to the nominee to receive 100% of the NPS pension wealth in lump sum.What is an annuity?An annuity is a series of equal payments made at fixed intervals of time.Currently,  the following are the Annuity Service Providers empanelled by  Pension  Fund Regulatory and Development Authority (PFRDA):Life Insurance Corporation of IndiaSBI Life Insurance Co. Ltd.ICICI Prudential Life Insurance Co. Ltd.Bajaj Allianz Life Insurance Co. Ltd.Star Union Dai-ichi Life Insurance Co. Ltd.Reliance Life Insurance Co. Ltd.HDFC Standard Life Insurance Co. Ltd.This list is not exhaustive.What are the Tax Implications?Tax  deduction on investments up to Rs 1.5 lakh can be availed under   Section 80C and an additional of Rs 50,000/- under section 80CCD of the   Income Tax Act in each financial year. However, as per the current  law,  the amount received at the end from NPS would be taxable. Do note  that  ONLY investments made in Tier I Account enjoy the Tax Benefits. How can You have your grievance redressed?NPS has a multi layered Grievance Redressal Mechanism which is easily accessible, simple, quick, fair, responsive and effective.The following choices are available to You to file your complaint and have your grievances redressed:Call Centre/Interactive Voice Response System (IVR):You  can contact the CRA call centre at toll free telephone number   1-800-222080 and register the grievance. You will have to authenticate   yourself through the use of T-pin allotted to you at the time of  opening  a Permanent Retirement Account under the NPS. On successful   registration of your grievance, a token number will be allotted by the   Customer Care representative for any future reference.Website:You can register the grievance at the website Page on cra-nsdl.co.in with the use of the I-pin allotted to you at the time of opening a   Permanent Retirement Account. On successful registration, a token  number  will be displayed on the screen for future reference.Physical Forms :You  can submit the grievance in a prescribed format to the POP-SP, who   would in turn forward it to CRA Central Grievance Management System   (CGMS). You will have to mention your PRAN as the means of   authentication. Upon submission of form with the POP-SP, you will get  an  acknowledgement receipt. The token number would be emailed to you  (if  the email id is mentioned), otherwise the same will be emailed to  the  concerned POP-SP. You can get the token number from the POP-SP  upon  presentation of the acknowledgement receipt.A more  detailed information about the NPS as drafted by the Pension  Fund  Regulatory and Development Authority is available to view Download  at https://npscra.nsdl.co.in/downlo...OUR OPINION:Let’s review the Performance of Various Asset Classes in the last 5 years(Source: NPS Performance - Value Research Online ):The Maximum Compound Annual Growth Rate (CAGR) any Equity Plans of the PFM is merely 7.78% over the last 5 years. (Class E)The Minimum CAGR on the Government Bond Plans in last 5 years is 9.16%. (Class G)The Minimum CAGR on the Corporate Debt Plans in last 5 years is 10.40%. (Class C)It  is surprising to note that the Equity Class Funds have given  lesser  returns that the other Asset Classes. The Equity Funds of various  PFM  comprise of stocks which form part of the Sensex/Nifty/CNX 100 or  CNX  200. This makes the returns of the equity class to be extremely   correlated to the broader market.Please note that Past Performance is no indicator of Future Performance.Although  the NPS may contain 50% Equity Class Investment, NPS does  not get the  Long Term Capital Gain benefit available to Equity or Equity  Mutual  Funds.The Tier II Account has the advantage of being liquid but it does not receive any tax benefit under 80C.The  Tier I Accounts have extremely low liquidity. 40% of the  Accumulated  Wealth has to be invested compulsorily in Annuity Schemes.Hence,  other than the Tax Benefit  which is available to Tier I Account,  nothing else is attractive enough  to invest in NPS. On the other hand  NPS ensures that you receive a  regular monthly income by compulsorily  investing 40% of the accumulated  wealth in Annuity.We would recommend a Neutral Approach to NPS. Buy for Tax Benefits and nothing else.If  You Invest Rs. 4,00,000/- per year  for 42 years in NPS earning  approximately 9% per annum, the total wealth  that you accumulate at the  end of 42 years is Rs. 16,14,11,253/- (PRE-TAX).Out of which Rs. 6,45,64,501/- has to be invested in Annuity.If  you still want NPS to be a part of your Portfolio, we recommend  the  following. Few assumptions have been made to make the following   portfolio as follows:You start investing at 18 years upto 60  years of Age i.e. you stay  invested for 42 years which is the duration  of an ideal NPS account.You invest 50% in Equity or Equity Mutual Funds andYou invest 50% in Debt Instruments like NPS, PPF, Government Bonds etc.You invest Rs. 4,00,000/- Annually. Out of which 2 lakh are invested in Equity and Rs 2 Lakh are invested in Debt Instruments.Our Recommended Portfolio:Exploit the Rs. 1,50,000/- tax benefit by investing this Amount annually in PPF for 20 years. For a detailed review on PPF visit PPF: What, Why and How!Invest the Lump Sum Corpus which you receive after 20 years in a good ELSS (Equity Linked Savings Scheme) for 22 years.Simultaneously  open a New PPF alongwith your ELSS Account and invest  Rs. 1,50,000/-  annually for next 20 years in your PPF Account. Invest  the Lump Sum  Corpus which you receive after 20 years in a good Bank FD  for 2 years  offering 8%p.a interest.A Good ELSS is one which has been alive  since more than 15 years,  Which has given Compound Annual Growth Rate  of more than 10% over the  last 10 and last 5 years, and which has not  been charged by any  authority for malpractices. We shall write on ELSS  Investing in our  Coming Posts. Do subscribe to our Blog at Subscribe! to keep you updated.To  exploit the additional Rs. 50,000/- tax benefit, purchase NPS  with  equal distribution between ONLY Class G and Class C for 42 years   (Assuming you start investing at the age of 18). Do not buy Class E with this amount.Set  up a Monthly SIP of Rs. 16,667/- with any Good Mutual Fund  Scheme for a  term greater than 42 years. A Good Mutual Fund is one which  has been  alive since more than 15 years, Which has given Compound  Annual Growth  Rate of more than 15% over the last 10 and last 5 years,  and which has  not been charged by any authority for malpractices. We  shall write on  Mutual Fund Investing in our Coming Posts. Do subscribe  to our Blog at Subscribe! to keep you updated.Using this Portfolio, you accumulate Rs. 56,00,43,995/- POST TAX after 42 years. This portfolio gives you 4 times the amount which a normal NPS can give You!You can download the Calculation File from this link: PPF ELSS FD NPS MF.xlsxHope this resolves all your worries!In case of any queries, feel free to leave a comment below.Join us in our endeavor to Get Rich SENSIBLY!

If the treatment is simple counselling in my office, all I have to do is type my note, then I bill automatically through my electronic health record. So all codes for diagnosis and type of exam are preprogrammed into the system. Treatment has occurred. No trees were injured.If the treatment requires a prescription, then I can write the prescription in my Electronic health Record (EHR) and efax to pharmacy. Or I print it out, sign it. The patient takes it to a pharmacy where his or her insurance is checked, information is added to her computerized record and the medication is dispensed. If I made an error or pharmacist has a question, then they contact me and we fix it. Sometimes a medication is covered only under specific circumstances, so I may have to fill out an online form that gets efaxed to government requesting approval. (Examples might be a cholinesterase inhibitor for dementia, or a specific expensive treatment for Attention Deficit Disorder…). Minimal paperwork for treatment.It’s more complicated if I refer to a specialist. Depending on the specialty, there are a variety of ways to refer. Some go to a centralized booking Center, some are given to the patient who then has to call and make appointment, sometimes it goes to a team that has a specific referral form (pain clinic, head trauma….). In some cases I phone a specialist to find out how to get a patient in for rapid diagnosis in cancer care. Sometimes they’ll see the patient the next day. Only paperwork was a printed out referral with a copy of the X-ray.I have very little paperwork in general for treatment to occur (which is what you asked in your question).When I do have paperwork, it’s usually for insurance companies for short or long term disability, life insurance, workman’s compensation, road insurance for someone injured in a vehicle accident, fitness to drive forms….,The other administrative stuff I have to do involves looking up the patient results for all the tests I do. I try to minimize the testing I do, for example I do not send every cough for a chest x Ray or every case of dizziness for a brain scan. But even so, most of my patients come in with an illness that does require testing and I have to look through the results, file them or act upon them. That takes at least an hour a day.That has nothing to do with whether healthcare is privatized or universal.Hope this answered your question.

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