Renuka Jain

Life Insurance is a contract between an  insurance policy  holder and an  insurer or assurer , where the insurer promises to pay a designated  beneficiary  a sum of money  in exchange for a premium, upon the death of an insured person .  Depending on the contract, other events such as  terminal illness  or  critical illness  can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses (such as funeral expenses) can also be included in the benefits Now when we decide the best product for insurance is pure insurance and go for term plan we are faced with one typical question " Should I include Critical Illness rider with life Insurance" A critical illness normally is addition to life cover where money is paid when the insurance holder is diagnosed of a critical health issue covered in policy document. To illustrate like Heart attack, Kidney failure ,Cancer........ As...

Life Insurance is a contract between an  insurance policy  holder and an  insurer or assurer , where the insurer promises to pay a designated  beneficiary  a sum of money  in exchange for a premium, upon the death of an insured person .  Depending on the contract, other events such as  terminal illness  or  critical illness  can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses (such as funeral expenses) can also be included in the benefits. Till about two decades back Indian Insurance was dominated by government owned Life Insurance Corporation of India. IRDA opened up the market in August 2000 with the invitation for application for registrations. Foreign companies were allowed ownership of up to 26% That  let to huge surge in Insurance Companies in India. The importance of life insurance was never accepted or educated in the nation.The overseas in...

No this is  not my writing. But loved the blog written superb. Do read about mistakes my MK Gandhi Learning from Mahatma Gandhi's mistakes Dr. Koenraad Elst Mahatma Gandhi is often praised as the man who defeated British imperialism with non-violent agitation. It is still a delicate and unfashionable thing to discuss his mistakes and failures, a criticism hitherto mostly confined to Communist and Hindutva publications. But at this distance in time, we shouldn't be inhibited by a taboo on criticizing official India's patron saint. Gandhiji's mistakes Without attempting to approach completeness, we may sum up as Gandhi's biggest political failures the following events: (1) Recruiting Indian soldiers for the British war effort in 1914-18 without setting any conditions, in the vain hope that this unilateral gift to Britain would bring about sufficient goodwill in London for conceding to India the status of a self-ruling domi...

As I stepped into IGI Airport I went through low phase of end of holidays. A family holiday one looks forward to all year. Moments of fun & laughter were all replaying in my mind. Yes it is a normal emotion everyone goes through when good things like these come to an end. But we walked towards immigration. Impressed with the speed & great attitude of the officer I was relaxed. Waiting at the belt for my luggage I wasn't irritated this time as I used to be earlier. Coz I had experienced so many Air delays & chaos at US Airports that this looked Pretty fast While waiting at belt with not slept for 24 hours I saw an old couple struggling to pick up heavy luggage & put that on trolley. All three of us with same reaction went & helped them put the same on trolley & drag to exit gate. So far so good. Then comes the Indian style. All private cars parked anywhere & everywhere & looked liked a fair where all one can witness is honks & traffic jams...

Cultural exchange program where one pure soul from France stayed with us for 10 days like a family & left tears & memories when he left. Now it was my turn to send my precious friend, son & companion to their house  As he left from the airport bidding goodbye there were tears & also fear. Fear for he was going to a new place without family. "Oh he is grown up. Come on let him fly" one part of my heart said. "But will he be fine? What about his food & health " mother inside me argued  Then I remembered how the French guy ( don't want to name) had become our family and my soul whispered " Don't worry. He is going to a great family. The guy was a gem & so would be his family ". And I was fine  Days passed. Surprisingly this hyper mother didn't call the son every now & then to check. Somehow the soul connection made seemed permanent. No worry. There was a sense of security & cal...

A  referendum    is a direct  vote  in which an entire  electorate  is asked to vote on a particular proposal. This may result in the adoption of a new law. In some countries it is synonymous with a  plebiscite  or a vote on a  ballot question . From a political-philosophical perspective, referendums are an expression of  direct democracy . However, in the modern world, most referendums need to be understood within the context of representative democracy. Therefore, they tend to be used quite selectively, covering issues such as changes in voting systems, where currently elected officials may not have the legitimacy or inclination to implement such changes. On 4 September 2008, amidst hundreds of thousands of protesters demanding the government resign,  Thailand 's premier Samak Sundaravej's government approved the idea of a referendum to ask the Thai electorate if it wanted to keep the government or not. n De...