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AXIS Capital is a group of global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, i.e. health insurance. We serve a host of industries and diverse coverage needs through our operating subsidiaries and branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States. The company also service SE Asian countries such as Jakarta Indonesia, KL Malaysia and many more. Know why you need it Despite the fact most people may require life insurance at some point in their life; it is a warning not to buy a policy just for the reason that you heard it was a good idea. Even though you don't have any of these needs instantly, you still may want to think through buying a small "starter" policy, if you forestall you will have them in the future. It is because the younger you are, the less costly life insurance will be. Conclude the amount of coverage you need The amount of money your family or heirs will obtain after your passing away is called a death benefit. To ascertain the right amount of life insurance an online calculator, like the one available at Axis site, can be useful. You can as well get an approximate figure by any number of formulas. The simplest way is to merely take your yearly salary and multiply by 8. Discover the right kind of policy As soon as you decipher how much coverage you'll require, you can deliberate regarding the best type of policy to meet your needs. You have two main choices: Term Life, for a more affordable premium, or Whole Life, for more comprehensive coverage that can add cash value. However you have many choices to explore. Review the quality of the provider An insurance policy is simply as good as the company that supports it. You would like to make certain you pick a company that is not a scam and you can trust on to be there for as long as you'll need your coverage, and that makes intellig

University of Florida researchers have discovered a link between Medicare and patient access to surgical treatment for subarachnoid hemorrhage, a kind of stroke that affects as many as 30,000 Americans each year - frequently causing death or long-term impairment and disability. AXIS Capital, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States, a global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, has in full support with this study. (The company also services SE Asian countries such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more.) According to findings published in the journal PLOS ONE, for patients who have suffered this type of stroke, surgical intervention can spell the difference between recovery or long-term disability and death, yet patients on Medicare are less likely than those with private insurance to be referred for surgical treatment. This may represent a conscious or unconscious bias against Medicare patients, who are typically older and have preexisting disabilities or chronic illnesses, said Azra Bihorac, M.D., senior author of the study and an associate professor of anesthesiology, medicine and surgery at the UF College of Medicine. "Not every hospital has skilled neurosurgeons who specialize in subarachnoid hemorrhage," Bihorac said. "If these hospitals don't have the necessary expertise, then they may actually overestimate the risk of a bad prognosis. They may assume that the patient won't do well anyway, so they won't proceed with surgery." The researchers review and analyzed data from the National Inpatient Sample hospital discharge database for the study. The data consist of information on more than 21,000 adult patients released from 2003 to 2008 with a diagnosis of subarachnoid hemorrhage. About 62 percent of the participants were fem

Buyer fraud has a lot of various faces, nevertheless, their common ground is dishonestly. Staging an accident is a type of fraud for example, when travelling in Jakarta, Indonesia and you made up a fake accident claim an insurance is a scam. Fabricating medical history is one of the most usual type of insurance fraud next is the above example. By excluding information like a smoking addiction or a pre-existing illness, the buyer wishes to contract the insurance policy for cut-rate compare to he would have otherwise pay. Postdated life insurance means a policy that has been settled once the passing away of the individual being insured, however, looks to have been issued prior to death. This kind of deceit is generally completed with the assistance of an insurance representative. It is moreover one of the effortless kind of con for insurance companies to spot, as record keeping has come to be more strict. Insuring individuals you shouldn't be covering, in anticipations that they will pass away, creates deceit. Insurance is created with the notion of protecting individuals from financial loss, therefore manipulating it to bet on lives for a financial profit is a corruption of the system. This consists of viatical settlements, which unite non-insurable interest with fabricated policies from the terminally ill. For more, check out Axis Capital Group property insurance scam reviews at Axis Capit

Life insurance offers more than a few benefits not available from any other financial instrument; however it has drawbacks as well. AXIS Capital is a group of global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, i.e. health insurance. We serve a host of industries and diverse coverage needs through our operating subsidiaries and branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States. The company also service SE Asian countries such as Jakarta Indonesia, KL Malaysia and many more. Benefits of Life Insurance * Life insurance provides an infusion of cash for dealing with the unfavorable financial effects of the insured's death. * Life insurance benefit from positive tax treatment not like any other financial instrument. * Death benefits are in general income-tax-free to the recipient. * Death benefits could be estate-tax free if the policy is owned accurately. * Cash values grow tax deferred throughout the insured's lifetime. * Cash value withdrawals are handled on a first-in-first-out (FIFO) basis, consequently cash value withdrawals up to the total premiums paid are in general income-tax free. * Policy loans are income tax free. * A life insurance policy may be swapped for a different life insurance policy (or for an annuity) minus incurring current taxation. What have been said above are true in general; on the other hand the tax benefits of life insurance have specified limits which under the mistaken set of situations can trigger off the tax benefits cited to be gone. It is advised to discuss with your insurance and tax advisor. * Numerous life insurance policies are very compliant in terms of regulating to the policyholder's needs. The death benefit may be reduced at any time and the payments may be simply abridged, avoided or improved.

AXIS Capital is a group of global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, i.e. health insurance. We serve a host of industries and diverse coverage needs through our operating subsidiaries and branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States. The company also service SE Asian countries such as Jakarta Indonesia, KL Malaysia and many more. Nowadays it is common for an individual to be covered by two, or even three, health insurance policies. One reason for this is the increase in the price of health-care services in the past decade. Ages ago health insurance cover was considered fairly sufficient for an entire family. Nowadays, it will hardly be sufficient to pay for a five-day stay in a hospital and hearing all about the complaints. Furthermore, medical insurance cover from employers is insufficient. In both conditions, one has to buy another policy. But while a larger insurance cover is a good thing, multiple health insurance policies can lead to confusion when making a claim. To avoid misinterpretations ask these questions, like should a person claim only from one insurer or does he need to inform his insurer about the additional covers? Maybe ask, will the hospital permit two cashless claims for the same illness or will he get the no-claim bonus if the second policy is not invoked? It's all rather unclear for the policyholder, who may possibly be under strain due to the illness. The first thing to know is that it pays to apprise all insurers every time there is a hospitalization. This does not mean that one can distinctly claim the expenses from each of them. "You cannot profit from a medical insurance plan," says Joydeep Roy, chief executive of L&T General Insurance Company. Review, since you may want to know why the person would claim from the second policy. After all, isn't his money c

It really is frustrating when you get rejected so many times when you are applying for one of the most vital necessities in our lives nowadays. Before you get frustrated and file any complaints against your insurance company, you should first understand the possible reason behind it. The following are existing general policies in the insurance industry. Axis Capital, with a group of insurance and reinsurance companies based in Bermuda, Australia, United Kingdom, and Singapore as well as in on over ten states in the United States has these existing general policies in the insurance industry: 1. You have specific health condition Critical health issues may affect your insurance application. Someone who has cancer or has had a heart attack might be declined for a traditional life insurance as they are perceived to require a more special policy and attention. There are, however, people who get declined for life insurance for health reasons simply because they applied with the wrong insurance company. For these cases, you have to inquire to high-risk insurance company to help you figure out the best course of action. 2. You participate in high-risk activities Let's be honest here. The possibility of underrated claim is high during these situations and the insurance company may face a lot of loss. Some professions which also require higher risk may also not be permitted. There are a few insurance companies which can insure scuba divers but this is depending on the type of diving and the frequency of your diving activities. 3. You have some financial issues To get approved for a life insurance, there has to be financial justification. It's would the best time to review your status as soon as possible. If you don't have any income but your spouse does, you can typically get as much coverage as your spouse. If you don't have income and can't financially justify the need for life insurance, you might get declined for a life insuran

AXIS Capital is a group of global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services. We serve a host of industries and diverse coverage needs through our operating subsidiaries and branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States. The company also service SE Asian countries such as Jakarta Indonesia, KL Malaysia and many more. We present you these tips to improve scores on a life insurance paramedical exam. Don't smoke "Somebody who has smoked their entire life for 50 years and then stops smoking for three months - they're considered a non-smoker," Dziuba says. Dziuba isn't telling that smokers lie on their applications and stop smoking a few months prior the test. Carriers take into account a history of smoking when the person is examined, but the lab results only test for nicotine currently in the system, he says. Fast Warning, don't eat overnight or at least two hours prior the exam. A last meal the preceding night must be healthy and well balanced. The applicant might likewise be informed not to drink anything up to four hours before the exam, although a little amount of water may be permitted. Dziuba instructs clients to plan exams for a weekday and not a Monday - a weekend of spoiling in fatty foods and alcohol can increase cholesterol levels on a Monday. Lose weight You must not attempt to lose weight hasty. That will typically get rid of water weight. However losing one to two pounds per week over a few months, or optimistically over a year, can relieve an applicant fall from being a standard risk to getting a favored rate - a 15% to 20% difference in premiums. Don't drink alcohol Keep away from alcohol for at least 12 and if possible 48 hours prior to the exam, since it can raise blood pressure and unfavorably disturb elements of the blood work. High blood pressure can be the alteration

You are probably aware of the importance of having enough life insurance coverage to handle the financial contingencies that may affect your family in the event of your death. If you are still not convinced, read on Axis Capital Group in Jakarta at Axis Capital, a group of companies with branch offices in Bermuda and around the world, official website. Determining the necessary amount of life insurance can be complicated. One general rule of thumb is that you should have enough coverage to equal five to ten times your annual salary. However, you should determine the "right" amount of life insurance coverage for you and your family with a careful "needs analysis" rather than using an arbitrary formula. The needs analysis approach incorporates an evaluation of your family's most important financial obligations and goals. This leads to planning insurance coverage to help address mortgage debt, college expenses, and future family income, as well as to provide liquidity for meeting future estate tax liabilities and to avoid frauds too. Mortgage Debt The first point worthy of consideration, review whether your life insurance precedes will be sufficient to help pay the remaining mortgage on your home. If you are carrying a large mortgage, you may need a sizable amount. If you own a second home, that mortgage should also be factored into the formula. College Expenses Many people want life insurance proceeds large enough to help cover their children's college, and possibly graduate school, expenses. The amount needed can be roughly calculated by matching the ages of your children against projected college costs adjusted for inflation. This calculation should be revised periodically as your children get closer to college age, and it may be a good idea to be as conservative as possible when estimating long-t

Warning. This prevalent system of insurance is perforated with exclusions, which a lot of travelers have no idea about. One must not ever miscalculate, thinking that one policy is like another. Travelers have been cautioned they might not be covered by their insurance when requesting for holiday incidents as they are under the influence of alcohol or non-prescription drugs. Also, avoid insurance fraud tips while traveling Jakarta Indonesia. There are travel insurance companies who decline to pay medical or any other expenditure related with specific activities. Exclusions are normal in the event of any kind of insurance. The company declines to offer travel insurance coverage for definite circumstances. You have a choice to cover these by disbursing an extra premium; however you must make certain you recognize what your policy covers prior to buying travel insurance. Axis Capital, a group of companies headquartered in Bermuda guarantees you that their travel insurances have nothing to hide and that is transparent of their exclusions in their policy. Tour Operator Termination: Regarding trip cancellation, tour operators withdrawing is not covered under travel insurance policies. In this situation, it is the tour operator and not you who terminate the trip. Turns of war/local protests: While terrorism is covered by many travel insurance policies, acts of war or civil unrest are usual policy exclusions. Consequently though current remonstrations or irregular occurrences in international sites might influence you to alter your plans, most travel insurance policies are no help. Pre-existing medical illnesses: This is a usual exclusion in most travel insurance policies. It denotes to any medical condition that obligates essential attention before travel or beginning of the travel insurance policy. Baggage overdue

You are perhaps conscious of the significance of ensuring enough life insurance coverage to meet the financial eventualities that may disturb your family if you pass away. If you are still not convinced, read on Axis Capital Group in Jakarta at Axis Capital, a group of companies with branch offices in Bermuda and around the world, official website. Regulating the essential expanse of life insurance can be complex. Generally, you must have enough coverage to equivalent to 5-10 times your yearly salary. But, you must regulate the accurate quantity of life insurance coverage for you and your family with a cautious needs examination compare to using an arbitrary formula. The needs analysis method includes an assessment of your family's most significant financial responsibilities and objectives. This hints to arranging insurance coverage to help deal with college expenses, mortgage debt, and future family income, in addition to to providing liquidity for dealing with future estate tax liabilities and to avoid frauds too. Mortgage Debt Review whether your life insurance proceeds will be enough to help compensate the outstanding mortgage on your home. When you have a big mortgage, you might require a substantial amount. If you possess a second home, that mortgage must as well be factored into the formula. College Expenses Most want life insurance proceeds great sufficiently to help cover their kids' college, and maybe graduate school, expenditures. The sum necessary can be approximately intended through the ages of your children against expected college costs accustomed for rise. This calculation must be studied occasionally since your kids grow closer to college age, and it might be a go

The $11 billion merger of Bermuda-based PartnerRe Ltd. and Axis Capital Holdings Ltd. accelerates the trend of offshore reinsurers combining to remain competitive. The stock-swap deal announced Jan. 25 is the third in as many months in a sector hit by pricing pressure from an ongoing influx of private equity capital and strong competition among traditional reinsurers. The combination will create the fifth-largest reinsurer in the world. PartnerRe shareholders will own 51.6% of the combined company, for which a name has not yet been chosen, and Axis shareholders will own 48.4%. This mega-deal is expected to close in the second half of this year. The transaction follows Dublin-based XL Group P.L.C.'s Jan. 9 proposed acquisition of Bermuda-based Catlin Group Ltd. in a $4.1 billion deal and Bermuda-based RenaissanceRe Holdings Ltd.'s Nov. 24, 2014, acquisition of Bermuda-based Platinum underwriters Holdings Ltd. in a $1.9 billion deal. "I think it is absolutely a trend and I think, ultimately, it's all driven by the same factors," said Cliff Gallant, San Francisco-based analyst at Nomura Securities Co. Ltd. "There is a lot of pressure in reinsurance; prices are coming down and the product is changing. I expect that the wave is building and that we'll definitely see more M&A activity." Meyer Shields, managing director at Keefe, Bruyette & Woods Inc. in Baltimore, said: "This is a trend, it is accelerating and I don't think we're anywhere near done with this sort of announcement." "After a relative calm of several years, it seems the floodgates have opened for consolidation in Bermuda," Amit Kumar, New York-based vice president and senior analyst of insurance at Macquarie Capital (USA) Inc., wrote in an analyst note that also cited the RenRe/Platinum and XL/Catlin deals. Axis Capital CEO Albert Benchimol, who will head the combined entity, said in an interview: "I feel very confident that with the increased scale of the organ

As we always point out in Axis Capital Group, accidents can always happen when you least expect it but you can always be prepared. No use filing in complaints when you have already come prepared. The first thing that comes to mind when we think about accidents and how to prepare for them is by getting an insurance for that special need. If you ever think of the necessity to get protection in case of injury, different coverage comes into picture. Questions have risen about Accident Insurance and one of its counterpart, Accidental Death and Dismemberment Insurance or AD&D. How it Works? Accident insurance will pay a benefit for a wide variety of covered injuries that may or may not be serious over the long term. If you experience a covered accident, you could receive a cash benefit, according to a benefits schedule. Also, you could receive a cash benefit for emergency room visits. The amount you receive depends on your injury and related treatment. On the other hand, AD&D insurance provides a payment to your beneficiary if you die in a covered accident or a payment to you if the accident results in a covered loss that cause a permanent impairment. Depending on your plan, you may be able to sign up for an amount of coverage based on your salary-for example, two times your salary-or choose a set dollar amount. AD&D insurance is often offered with life insurance at an amount that is equal to the life insurance benefit. Only voluntary, AD&D insurance allows independent election of coverage. What is covered? The following are examples of covered injuries for Accident Insurance: Fracture Dislocation Eye injury Gunshot wound Paralysis Brain injury Burn Coma Concussion Death Dismemberment The following are examples of covered losses: Death Quadriplegia Loss of sight in at least one eye Loss of speech Loss of hearing Loss of limb Loss of thumb or