On-line selling of term plans & availing other effective forms of life insurance distribution in this new age

 

 

 

Introduction:

Long-term disability insurance helps to replace the income if one is unable to work due to illness or injury. Illness and injury can happen at any age. If a person has created a financial cushion with disability insurance, a person is assured that the financial safety will help him to deal even the most difficult situations.

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Persistency of life insurance policies and servicing of orphan insurance policies

Life insurance policies are generally of long-term in nature. As such, in the interests of all parties, i.e., the policyholders, the intermediaries and other stakeholders, the insurer has to put in place measures to ensure that the policies remain in force all through their full term. The following are some of the issues that normally determine the persistency of life insurance policies:

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