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20-08-2017
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AVIVA FAMILY INCOME BUILDER (AVIVAINDIA) - Aviva Family Income Builder Doubles The Premium Paid After A Period Of Time. This Is A Good Children Read More
AEGON RELIGARE TERM INSURANCE PLAN (AEGONRELIGARE) - AEGON Religare Term Insurance Plan, Which Ensures Protection For Your Loved Ones – At A Fraction Of Read More
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LIC India Samridhi Plus - ULIP Plan first 100 months Highest NAV
This plan offers payment of Fund Value at the end of policy term, based on highest Net Asset Value (NAV) over the first 100 months of the policy, or the NAV as applicable on the date of maturity, whichever is higher. NAV of the fund will be subject to a minimum of Rs 10/-. This plan is available for sale for a maximum period of 3 months from the date of launch.

This plan offers payment of Fund Value at the end of policy term, based on highest Net Asset Value (NAV) over the first 100 months of the policy, or the NAV as applicable on the date of maturity, whichever is higher. NAV of the fund will be subject to a minimum of Rs 10/-. This plan is available for sale for a maximum period of 3 months from the date of launch.

You can pay the premiums either in a single lump sum or for a limited premium paying term of 5 years. You can choose the level of cover within the limits, which will depend on your age, whether the policy is a Single premium or Limited premium contract and on the level of premium you agree to pay.

Premiums paid after allocation charge will purchase units of the Fund.

  
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Source : http://www.licindia.com
More News Headline
  Birla Sun Life Insurance Ties-up With Suvidha Infoserve For Premium Payment (2010-08-31)
Birla Sun Life Insurance (BSLI) Announced Its Tie-up With Suvidha Infoserve Pvt. Ltd., Today. This Tie Up Will Enable Over 2.3 Million Policyholders Of BSLI To Make Their Premium Payments In Cash/cheque At Any Of The 22,000 Suvidha Outlets Located Close To Them.   Read More -->
  ING Life Launches ‘Pick Ur Advisor' In Madurai, Salem And Trichy (2010-08-31)
ING Life India, Part Of The ING Group, Today Announced The Launch Of ‘Pick Ur Advisor', A New Online Initiative That Helps Customers Pick A Financial Advisor Based On Their Preferences For The Cities Of Madurai, Salem And Trichy. As A Part Of This Service, A Life Insurance Industry First, Customers Can Log On To Www.pickuradvisor.com And Handpick The Advisor They Would Like To Get In Touch With. Customers Can Pick Their Preferred Advisor Based On Location, Languages Spoken By The Advisor, Qualifications And The Advisor's Tenure With ING Life.   Read More -->
  SHCIL Rolls Out ‘New Pension System' (2010-08-31)
Stock Holding Corporation Of India, A Leading Financial Services Company, Has Been Appointed As ‘Points Of Presence' (POP) For ‘New Pension System' (NPS) By ‘Pension Fund Regulatory And Development Authority' (PFRDA). SHCIL's Designated Branches Will Offer The Full Spectrum Of NPS Services To All Citizens.   Read More -->
  Aegon Religare Life Insurance Launches Fixed-Benefit Health Plan (2010-08-31)
Aegon Religare Life Insurance Launched Its New Fixed-benefit Health Insurance Plan Called AEGON Religare Health Plan. This Plan Offers Several Unmatched Benefits Such As Coverage Of All Surgeries, Guarantees Payment In Case Of Claims And Cashless Facility In Over 3,000 Hospitals.   Read More -->
  A First Of Its Kind Term Policy Designed To Provide Cover Even If Insured Stop Paying Premium (2010-08-31)
Max New York Life Insurance Has Launched ‘Platinum Protect', A Novel Term Plan, Thereby Enhancing Its Product Portfolio Of Risk Protection Solutions. Through This Term Plan, Max New York Life Insurance Has For The First Time Introduced A Unique Feature Of ‘Reduced Insurance Cover' In The Indian Market. In Longer Duration Plans Of More Than 20 Year Policy Term, Policyholders Will Now Be Able To Enjoy Continued Protection Coverage From The 16th Year Onwards Even If They Chose To Not Make Further Premium Payments.   Read More -->
  IRDA Issues Circular On Medical Insurance Policies And Cashless Facilities (2010-08-31)
In Order To Ensure That The Interests Of The Policyholders Are Not Adversely Affected, At Times When A Change In PPN Is Effected, The Insurers Are Directed To Inform The Policyholders At All Times, The Nearest Possible Alternative Hospitals Where The Cashless Facility Is Available And The Conditions Thereof.   Read More -->
  IDBI Fortis Life Insurance Is Now IDBI Federal Life Insurance (2010-08-31)
IDBI Fortis Life Insurance Company, In Association With Federal Bank, Has Changed Its Name To IDBI Federal Life Insurance Company, In Association With Ageas. The Company Has Completed All Legal Formalities For Change Of Name And Has Already Obtained The Approval Of The Registrar Of Companies And Insurance Regulatory And Development Authority (IRDA).   Read More -->
  LIC Crosses One Crore Individual Policies Mark In Current Financial Year (2010-08-31)
Life Insurance Corporation Of India, India's Largest Life Insurer, Has Crossed The Mark Of One Crore Individual Policies For The Current Financial Year, With First Premium Income Of Rs 15917 Crore In The Fortnight Ended 14 August 2010. In The Previous Year, LIC Had Crossed This Landmark On 31 August 2009.   Read More -->
  Not Much Room For Differentiation Between ULIP Products (2010-08-31)
The New Guidelines On ULIPS Which Will Be Effective From September 1st Onwards Will Bring About Standardization/ Uniformity In ULIPS In Terms Of Minimum Prescribed Return, Cost Structure, Lock In Period And Surrender Charges.   Read More -->
  Policyholders′ Protection Fund (2010-08-22)
The Premium Growth Of The Insurance Industry, Following The Liberalization Of The Insurance Markets In 2000 Permitting The Entry Of Private Indian Promoters And Their Minority Shareholding Foreign Partners; Has Been Showing Signs Of Unrestrained Dynamism. The Detariffing Measure Implemented Since 2007 In The Non-life Insurance Industry, And The Introduction Of ULIPs In Life Insurance; Have Added More Spice To The Competitive Growth Instincts Of The Insurers. There Has Been No Looking Back For The Insurers Ever Since, Despite The Mounting Underwriting Losses.   Read More -->
  Challenges In Claims Management (2010-08-22)
Insurance Is A Business Of Credibility And Trust. Being An Intangible Service That Deals With Future Contingencies, It Is Also A Complex Subject Where Domain Knowledge Is Important. This Is Particularly So In Claims, As Many Claims Which Are Reported, Are Often Found To Be Unique Because Multiple Factors Combine To Play When An Unforeseen Event Takes Place.   Read More -->
  L&T Registered As General Insurance  (2010-08-22)
L&T General Insurance Company Limited, A General Insurance Company Promoted By Larsen & Toubro, India Has Been Registered As A General Insurer Under Section 3 Of The Insurance Act, 1938 With The Authority.   Read More -->
  Pre Recruitment Examination For Insurance Agents. (2010-08-22)
In Order To Streamline The Examination System Of Pre Recruitment Examination For Insurance Agents, The Authority Has Decided That Insurance Institute Of India And NSE-IT Shall Computerize All The Remaining Examination Centers In The Country By 31st March 2011. For This Purpose The Two Organizations I.e., III And NSE IT Shall Enter Into An Agreement Along With IRDA.   Read More -->
  Transparency Of The Insurance Advertisements (2010-08-22)
Where Any Insurance Advertisement Highlights The Benefit Of Guarantees, A Clear Disclosure Of The Underlying Conditions Under Which The Guarantee Operates Must Be Made, Wherever Applicable. In All Such Cases, All The Conditions (including Cost Of Guarantee, Charges) Under Which The Guarantee Operates Need A Prominent Mention. If The Underlying Conditions Are Very Elaborate, The Text/wording On Guarantee Must Be Accompanied By The Phrase “Conditions Apply” In A Font That Is At Least 50% Of The Font Used To Highlight The Guarantee. These Conditions Must Be Distinctly Mentioned In A Legible Font Beneath, Not Making It Part Of Other Applicable Disclosures.   Read More -->
  Buying A Policy In India Is Cheaper (2010-08-13)
Students Going Abroad For Studies Need To Have An Insurance Cover. And The Good News Is That Purchasing The Cover In India, If The Country Or The University Allows You To Do So, Is A Cheaper Option.   Read More -->
  Returns On Ulip Pension Plans (2010-08-13)
The Insurance Regulatory And Development Authority (Irda) Has Stuck To Its Guns On Returns From Unit-linked Pension Plans. Despite Several Representations From The Industry, The Regulator Has Decided That Insurers Will Have To Provide Guaranteed Returns Of 4.5 Per Cent On Gross Premiums Until March 11, 2011.   Read More -->
Previous Month News
  LIC Snaps Up Nearly 75% New Biz In Q1 (2010-07-29)
He Grip Of Insurance Giant Life Insurance Corporation's (LIC) On The Market Only Got Cemented This Quarter Further With The State-run Behemoth Cornering Nearly Three-fourths Of The New Premiums In The First Quarter With Rs 18,740-crore Business   Read More
  Ulip-holders To Pay Rs 6,000 On Exit : IRDA (2010-07-29)
Insurance Regulator Irda Said Ulip-holders Will Have To Pay Up To Rs 6,000 If They Want To Discontinue A Policy Within The First Four Years.   Read More
  Life Insurance Policy Selection ... (2010-07-29)
Many People See Life Insurance As A Means To Use Tax Concessions. Whilst The Tax Deductibility Of Premiums Is A Nice Bonus From Taking An Insurance Policy, It Certainly Isn’t The Primary Reason For Insurance. World-wide, Life Insurance Takes Up A Sizable Chunk Of Household Income, Even When There Are No Tax Breaks.

Insurance Policies Are Designed To Meet The Various Financial Needs That People Have. Just As Different Types Of Shoes Meet The Various Needs We Have (For Example: Slippers Keep Your Feet Warm And Boots Protect Your Feet From Rough Ground And Dirt).   Read More
  RBI Guv To Be Vice-chief Of Joint Mkt Regulator IRDA - SEBI (2010-07-29)
The Government Today Introduced A Bill In The Lok Sabha That Provides For A Joint Mechanism Headed By The Finance Minister To Resolve Differences Among The Financial Regulators - SEBI, IRDA, RBI And PFRDA.   Read More
  Govt Moves To Bypass Sebi On Ulips (2010-07-29)
Indian Government On Tuesday Introduced A Bill In Parliament To Allow Insurers To Sell Unit-linked Insurance Plans (ULIPs), Without Seeking The Capital Markets Regulator's Approval.   Read More
  Avoid Future Financial Crisis: FM To Insurers (2010-07-29)
Finance Minister Pranab Mukherjee Asked Insurance Companies To Create A Mechanism So As To Avoid Future Financial Crises, As The Recent Global Financial Meltdown Was Caused By The Complexity Of Various Financial Products.   Read More
  Agent's May Lose Licence For Mis-selling :IRDA Proposal (2010-07-29)
With Many Life Insurers Not Able To Retain Customers Due To Mis-selling, The Regulator IRDA Has Proposed That Licence Of An Agent Be Cancelled If 50 Per Cent Of The Policies Sold By Him/her Are Not Renewed Annually.   Read More
  L&T General Insurance To Start Operations Soon (2010-07-29)
L&T General Insurance, The Wholly Owned Subsidiary Of Engineering Major Larsen & Toubro Limited (L&T), On Monday Said It Would Start Operations Within Six To Ten Weeks. The Company Recently Received A R3 (the Final Licence) From The Insurance Regulator.
To Start With, The Company Has Infused A Paid-up Capital Of Rs 175 Crore. Of This, Rs 100 Crore Is The Minimum Capital Required To Set Up A General Insurance Business.   Read More
  Life Insurance Business Zooms In Q1 (2010-07-29)
The Life Insurance Industry Has Gained From The Uncertainty Over Regulation Of Unit-linked Insurance Plans (Ulips), The Investment-cum-insurance Products, During The First Quarter Of The Financial Year.

According To Data By The Insurance Regulatory And Development Authority (Irda), The New Business Premium Income Of Life Insurance Companies Went Up By 77 Per Cent In The First Quarter. Income From Selling New Policies Went Up To Rs 25,522 Crore As Against Rs 14,456 Crore In The Corresponding Period Last Year.   Read More
  Reliance Life To Hire 3000 Managers This Year (2010-07-21)
As Part Of Its Expansion Plan, Anil Ambani Group’s Life Insurance Venture Reliance Life Will Add 3,000 Sales Managers To Its Payroll This Fiscal, Besides Hiring Another 150,000 Insurance Agents. “We Are Raising The Headcount By 20 Per Cent In The Current Financial Year. We Have Already Hired 2,000 Sales Managers In The First Three Months Of 2010-11, And Will Add Another 1,000 In The Coming Months.   Read More
  HDFC Bank Set For Rural Push (2010-07-12)
The Country’s Second Largest Private Sector Lender, HDFC Bank, Plans To Capitalise On Its Acquisition Of Centurion Bank Of Punjab And Deepen Its Presence In Rural India.   Read More
  Puri Temple Administration To Insure Rath Yatra (2010-07-12)
Pilgrims Visiting Puri During The Famed Ratra Yatra Festival Will Have Their Lives Insured Against Accidental Death And Amputation Of Legs And Hands.
The Jagannath Temple Administration Of Puri Has Tied Up With Oriental Insurance Corporation To Insure The Lives Of The Devotees During The Sacred Festival Which Falls On July 13   Read More
  Minimum Sum Assured For Age At Entry Of 45 Years And Above (2010-07-09)
Single Premium (SP) Contracts: 110 Percent Of Single Premium
Regular Premium (RP) Including Limited Premium Paying (LPP) Contracts: 7 Times The Annualized Premiums Or (0.25 X T X Annualized Premium) Whichever Is Higher. At No Time The Death Benefit Shall Be Less Than 105 Percent Of The Total Premiums (including Top-ups) Paid.   Read More
  Minimum Sum Assured For Age At Entry Of Below 45 Years (2010-07-09)
Single Premium (SP) Contracts: 125 Percent Of Single Premium.
Regular Premium (RP) Including Limited Premium Paying (LPP) Contracts: 10 Times The Annualized Premiums Or (0.5 X T X Annualized Premium) Whichever Is Higher. At No Time The Death Benefit Shall Be Less Than 105 Percent Of The Total Premiums (including Top-ups) Paid.   Read More
  Minimum Annual Health Cover For Age At Entry Of 45 Years And Above (2010-07-09)
Regular Premium (RP) Contracts: 5times The Annualized Premiums Or Rs. 75,000 Per Annum Whichever Is Higher.
At No Time The Annual Health Cover Shall Be Less Than 105 Percent Of The Total Premiums Paid   Read More
  Minimum Annual Health Cover For Age At Entry Of Below 45 Years (2010-07-09)
Regular Premium (RP) Contracts: 5 Times The Annualized Premiums Or Rs. 100,000 Per Annum Whichever Is Higher,
At No Time The Annual Health Cover Shall Be Less Than 105 Percent Of The Total Premiums Paid.   Read More
  ULIP DISCONTINUANCE OF CHARGES : IRDA (2010-07-09)
IRDA Has Also Addressed The Issue Of Discontinuance Of Charges For Surrender Of ULIPs. The IRDA (Treatment Of Discontinued Linked Insurance Policies) Regulations Brought Out By IRDA In This Regard Ensure That Policyholders Do Not Get Overcharged When They Wish To Discontinue Their Policies For Any Emergency Cash Requirement. The Regulations Stipulate That An Insurer Shall Recover Only The Incurred Acquisition Costs In The Event Of Discontinuance Of Policy And That These Charges Are Not Excessive. The Discontinuance Charges Have Been Capped Both As Percentage Of Fund Value And Premium And Also In Absolute Value. The Regulations Also Clearly Define The Grace Period For Different Modes Of Premium Payment. Upon Discontinuance Of A Policy, A Policyholder Shall Be Entitled To Exercise An Option Of Either Reviving The Policy Or Completely Withdrawing From The Policy Without Any Risk Cover. Further, The Regulations Also Enable IRDA To Order Refund Of Discontinuance Charges In Case They Are Found Excessive On Enquiry.
These Regulations Are Applicable To All New ULIP Products Approved By IRDA After These Regulations Are Notified.   Read More
  MINIMUM GUARANTEED RETURN FOR PENSION PRODUCTS : IRDA (2010-07-09)
As Regards Pension Products, All ULIP Pension/annuity Products Shall Offer A Minimum Guaranteed Return Of 4.5% Per Annum Or As Specified By IRDA From Time To Time. This Will Protect The Life Time Savings For The Pensioners, From Any Adverse Fluctuations At The Time Of Maturity.   Read More
  ULIP Lock In Period Increased To Five Years : IRDA (2010-07-09)
IRDA Has Increased The Lock-in Period For All Unit Linked Products From Three Years To Five Years, Including Top-up Premiums, Thereby Making Them Long Term Financial Instruments Which Basically Provide Risk Protection.   Read More
  Insurance Distribution Channel Related Changes (2010-07-09)
  • 1. IRDA Has Amended The IRDA (Insurance Advertisements And Disclosure) Regulations To Remove Any Scope For The Involvement Of Unlicensed Personnel/entities In The Sale Of Insurance Products.
  • 2. IRDA Has Amended The IRDA ( Licensing Of Corporate Agents) Regulations To Further Tighten The Code Of Conduct Of Corporate Agents To Ensure That The Prospect Does Not Deal With Any Unlicensed Person. The Regulations Have Also Been Amended To Ensure That There Is No Scope For Any Kind Of Remuneration Other Than Commission Where Sale Has Been Effected. This Measure Will Reduce The Expenses Of The Insurer, Thereby Lowering Premiums To Be Paid By The Policyholder.
  • 3. Regulations For Referrals: IRDA Has Also Addressed The Issue Of Referrals By Bringing Out Separate Regulations Leaving No Scope For Misuse Of The System. Companies Which Wish To Share Their Database Of Customers With Insurers Would Need To Get Approval From IRDA After Having Conformed To The Requirements As Laid Down In The Regulations. Further, There Are Restrictions On The Business Activities Of The Referral Company To Ensure That There Is No Misuse Of The System. For Instance, The Referral Company Shall Not Be In Any Business Of Extending Loans And Advances Or Accepting Deposits Etc Though There Are Exceptions Such As For Regional Rural Banks, Co-operative Banks Etc. The Regulations Cast Obligations On The Referral Company As Well As The Insurer Including Submission Of Data As And When Called For By The Authority.
  •    Read More
      Look At Other Options For Pension Needs!!! (2010-07-09)
    Irda’s New Guidelines For Pension Plans Guarantee Returns, But The Rate Is Too Low To Beat Inflation
    Those Buying Pension Plans From Insurance Companies May Soon Find The Returns Are Too Low. The Minimum Guaranteed Return — 4.5 Per Cent (subject To Change) — Is Unlikely To Beat Inflation. This Is Not Comforting For Someone Looking At Building A Retirement Corpus Through A Pension Plan.   Read More
      180 Days Grace Period For Premium Default (2010-07-09)
    Insurers Say To Give Policy-holders Sufficient Time To Pay Their Premiums, A Grace Period Of 15-30 Days May Result In Unintended Discontinuances, Which Can Hurt Their Profitability. Since Charges Could Be Levied Until The Expiry Of The Grace Period, Insurers Said They Would Cease If The Policyholder Chose To Discontinue The Policy. So, This Proposal Should Not Result In Excessive Charges. The Life Insurance Industry Will Propose Extension Of The Grace Period To 180 Days From The Due Date.   Read More
      Rel Life Plans To Double Market Share In 3 Years (2010-07-09)
    Reliance Life Insurance Company (RLIC) Plans To Double Its Market Share In The Entire Life Insurance Business To 10 Per Cent From The Current 5.5 Per Cent In The Next Three Years, RLIC President And Executive Director Malay Ghosh Said Here Today   Read More
      An ETF Or ULIP Fund? (2010-07-09)
    Wouldn't It Be A Dream-come-true If Your Fund Manager Had A Formula To Beat Markets Consistently? Motilal Oswal Asset Management Company's (AMC's) First Offering Plans To Achieve Just That.
    Just Like An Index Fund, The New Scheme – Most Shares M50 – Will Imitate An Index In Terms Of The Shares Being Held. That Is, The Scheme Will Ape The National Stock Exchange's S&P CNX Nifty By Holding Scrips That Comprise The Index.   Read More
      LIC To Close Market Plus-1 Today (2010-07-09)
    State-owned Life Insurance Corporation (LIC) Of India Will Close One Of Its Most Attractive Unit-linked Pension Plans- Market Plus-1 In Its Present Form From June 30 This Year.   Read More
      LIC Along With Others Get Nod For Tax-free Infra Bonds (2010-07-09)
    Investment Up To Rs 20,000 Eligible For Tax Break
    The Government Today Allowed Life Insurance Corporation Of India (LIC) And A Few Other Finance Companies To Issue Tax-free Infrastructure Bonds. An Investment Up To Rs 20,000 In These Bonds Will Qualify For Income Tax Deduction.   Read More
    Archive News Related to Insurance
      Regulators To Help Improve Disclosures, Profitability And Ensure Consumer Protection (2010-11-09)
    India's Growing Consumer Class, Rising Insurance Awareness And Increasing Domestic Savings And Investments Are Among The Most Critical Factors That Have Positively Driven The Market Penetration Of The Insurance Products Among Its Consumer Segments.   Read More -->
      ING Life Launches A New ULIP – ING Prospering Life (2010-12-28)
    ING Life India, In Its 10th Year Of Operations, Today Launched A Versatile New Unit Linked Insurance Product, Which Meets The Wealth Accumulation And Protection Needs Of Customer.   Read More -->
      Caution On Spurious Calls Identifying Themselves As IRDA Employees (2011-01-28)
    Caution On Spurious Calls Identifying Themselves As IRDA Employees In A Bid To Sell Insurance Policies. Be Careful When Refering/talking To Insurance Agent.   Read More -->
      INGLife Ace Life : Pay Premium For 3 Years Only (2011-02-17)
    ING Ace Life Is A Non-linked Non-participating Limited Premium Payment (3 Years) Endowment Plan That Provides Guaranteed Additions For The Entire Policy Term Of 10 Years.   Read More -->
      Willis India Under Irda Scrutiny Before Renewal Of Licence (2010-06-07)
    The Indian Arm Of The World’s Third-largest Reinsurance Broker, Willis, Is Under The Insurance Regulator’s Scanner In Two Cases, Resulting In A Delay In Renewing Of Its Licence   Read More -->
      IRDA Tightens Norms To Make Ulips Investor-friendly (2010-06-28)
    After Winning The Turf War With The Markets Regulator Sebi Over Control Over Ulips, The Insurance Watchdog IRDA On Monday Tightened The Norms For These Schemes By Raising The Lock-in Period And Raising The Insurance Cover On Them.
    The Lock-in Period For All Unit-linked Products (Ulips) Has Been Increased From Three Years To Five Years, Including The Top-up Premiums, Thereby Making Them Long-term Financial Instruments Which Basically Provide Risk Protection, IRDA Said In The Guidance Note, Released On Monday.   Read More -->
      Aegon Religare Life To Expand Distribution (2010-06-07)
    Aegon Religare Life Insurance (ARLI) On Monday Announced Plans To Improve The Topline For The Current Fiscal By Expanding Its Distribution Network. The Focus Of The Company Would Be On Increasing The Branch Network, Hiring More Life Advisers And Relationship Managers And Increasing The Footprint Of Third-party Distribution By Acquiring A Bank Partner.   Read More -->
      Keep Watch For Fake Insurance Salesmen: IRDA (2010-11-09)
    The Insurance Regulatory And Development Authority (IRDA) Has Warned The Public To Watch Out For Unscrupulous Persons Selling Insurance Policies By Claiming To Be The Regulator's Representatives.   Read More -->
      Surveyor - May 2011 Examination (2011-01-28)
    Applicants Enrolled With Insurance Regulatory & Development Authority (IRDA) As Trainee Surveyors Upto June, 2010 Are Required To Submit Their Quarterly Training Reports With The Authority. Also Advised To Download The Application Form For Insurance Surveyors Examination And Submit The Same Along With The Requisite Fee.   Read More -->
      Karnataka Bank Eyes Rs 100 Cr In Life Cover Premiums (2010-11-12)
    Karnataka Bank Eyes Rs 100 Cr In Life Cover Premiums   Read More -->
      ING Life Launches Capital Protection ULIP (2011-01-05)
    ING Life Has Launched ING Market Shield, A Guaranteed NAV (net Asset Value) Unit-linked Insurance Product.   Read More -->
      HDFC Standard Life Hopes To Break-even In FY12 (2010-11-09)
    Insurer HDFC Standard Life Insurance Company Ltd Expects To Break-even In The 2011/12 Financial Year, Helped By An Increase In Premium Income And Reduction In Operating Costs   Read More -->
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