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If one puts all the eggs in one basket, the chance of all the eggs being broken are more. If one puts it in three or four baskets, the chance of breaking all of them will be less. In the event of an unfortunate incident, the loss will be reduced. Same thing is applicable for […]
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A top-up health insurance is an additional policy to the base standard policy. Top up policies can be issued either as individual or as floater policies. The top up policy comes into force only when the hospitalization expenses exceed the threshold limit of the base policy. This limit is called deductible. A deductible is that […]
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The Insurance Companies provides risk management solutions to its customers but the challenge now is to manage the risks faced by the Companies themselves. In the Banking sector, the formal risk management started with Basel Committee in the year 1974 to address the settlement risks faced by the Banks. It has been a long journey […]
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Assess the Risk Appetite Anil and Sunil are working in TCS as software engineers. Anil is 36 years old. Sunil is 52 years old and wants to take early retirement at 55 years. Their take home monthly salary is Rs.1.25 lakhs and Rs.2.00 lakhs, respectively. In order to assess their risk appetite, we need to […]
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Sunil had availed a floating rate housing loan from SBI during the year 2008 at 8% interest. Now the rate has increased to 11%.The EMI has increased from ` 26,000/- per month to `34,000/-. He is struggling to manage his budget and nearing default on repayment. He is very much worried, now-a-days. In case he […]
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