13 December 2012
Read insurance policy proposal carefully :: Business Line
Casually signing on a proposal form, the policy holder mistakes a regular premium product for a single premium plan.
Globally, it’s a well-acknowledged fact that Indian consumers are smart - marketers call them value seekers.
They understand the product’s functionality, durability, features, performance rating, warranty, fit, colour and customisation.
But the same can, unfortunately, not be said when they are buying insurance products.
The average annual premium for a life insurance policy is Rs 20,000 for a term averaging around 12 years. But when it comes to buying a policy the typical reaction is: “Where should I sign on the proposal form, is all I want to know”.
The harsh realisation occurs few years later when the policyholder understands that he had originally signed for a regular premium product, which is now lapsed.
Casually signing on a proposal form, the policy holder mistakes a regular premium product for a single premium plan. This is one of the root causes for increasing dissatisfaction, grievances, high surrender rates and policy lapses.
Here are the ten most important things you need to keep in mind before signing the life insurance proposal form.
Eros – The ‘Blockbuster’ in Making :: Microsec
We rate Eros International Media Limited (Eros) a ‘STRONG BUY’. Our rating
underpins the company’s strategized business model, continued expansion of
content library, strong distribution network and initiatives to enhance revenues
through new business avenues. However, piracy of content and the
government’s plans to launch uniform tax impedes our optimism a bit.
SGX 5,938.00 +11.50; Markets to open up
SGX 5,938.00 +11.50;
9:AM India time
Dec 13
Markets to open up
9:AM India time
Dec 13
Markets to open up
Investing in businesses with deep moats :: Business Line
Of all the things with which Value Investors fall in love, the most seductive one is ‘Business Moat’. Few things can be as fascinating as finding the next business with solid moat. In simple terms, moat is all about ‘durable competitive advantage’ of a business. Durable competitive edge acts as a protective barrier for a business to stall any threat from competition (The way a ‘moat’ around the castle protects it from enemy).
High moat means superior economics of business with high pricing power, solid return ratios and wide operating margin supported by growing free cash flow. As a result, the business seldom needs debt for its growth and hence sports a clean balance sheet with substantial cash reserves.
12 December 2012
Bharti Infratel Limited - Subscribe 0.35x
| Bharti Infratel Limited | ||||
|---|---|---|---|---|
| Sr.No. | Category | No.of shares offered/reserved | No. of shares bid for | No. of times of total meant for the category |
| 1 | Qualified Institutional Buyers (QIBs) | 66115000 | 53565950 | 0.81 |
| 1(a) | Foreign Institutional Investors (FIIs) | 53265950 | ||
| 1(b) | Domestic Financial Institutions(Banks/ Financial Institutions(FIs)/ Insurance Companies) | 300000 | ||
| 1(c) | Mutual Funds | 0 | ||
| 1(d) | Others | 0 | ||
| 2 | Non Institutional Investors | 28335000 | 50850 | 0.00 |
| 2(a) | Corporates | 11250 | ||
| 2(b) | Individuals (Other than RIIs) | 39600 | ||
| 2(c) | Others | 0 | ||
| 3 | Retail Individual Investors (RIIs) | 66115000 | 2290300 | 0.03 |
| 3(a) | Cut Off | 1891350 | ||
| 3(b) | Price Bids | 398950 | ||
| Total | 160565000 | 55907100 | 0.35 | |
| Updated as on 12 Dec 2012 at 1700 hrs | ||||
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