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Common Life Insurance Terms You Should Know About Part 2 :
11. Survival/Maturity Benefit:

Maturity benefit is the amount that the life insurance company pays when the life assured outlives the policy tenure. Survival benefit is paid when the life assured completes the pre-defined number of years under the policy.There is no survival or maturity benefit in term plans. However, in other life insurance policies you may find survival benefit or the maturity benefit paid under the plan.

12. Free-look Period:

It is applicable to all new life insurance policies purchased. Free-look period is a time frame during which one may choose to return the purchased policy.If you are not comfortable with the terms and conditions, you can return the policy within the Free-look period. The insurance company after deducting the expenses incurred on medical examination, stamp duty charges and other charges will refund the remaining premium.
IRDA specifies free-look period in life insurance is 15 or 30 days after receiving the policy document.

13. Grace Period:

If you couldn’t pay the renewal premium for your policy on time, life insurance company gives you an extension in the number of days after the premium payment due date. A ‘Grace Period’ can be period of 15 days in case of monthly premium payment mode, and 30 days in case of annual premium payment mode.
If the policyholder does not pay the premiums even before the end of grace period, the policy gets lapsed

14. Surrender Value:

If the policyholder decides to discontinue the plan before the maturity age, the life insurance company pays an amount to the policyholder, this is called Surrender Value.But you must clearly read the terms and conditions whether a plan offers any surrender value or not. And if there is a surrender value, how much it will be. Not all life insurance plans have surrender value

15. Paid-up Value:

In case the policyholder discontinues to pay the premium after a specified period of time, Insurance companies will offer the policyholder an option to convert his policy into a reduced paid-up policy. Under this option the sum insured is reduced in proportion to the number of premiums paid. If other benefits related to the sum insured are payable, these benefits will now be related to the reduced sum insured, which is the paid-up value

16. Revival Period:

If the policyholder does not pay the premium even during the grace period, the policy lapses.However, if the policyholder still wants to continue, the insurance company provides an option of re-activating the lapsed policy. This must be done within a specific period of time after the grace period ends. This specified period is known as a revival period.
To reinstate the lapsed policy, the life insurance company will put forward the request to the team of Underwriters (see #17 Underwriters) for approval

17. Underwriters:

Underwriters evaluate the risk involved in insurance. The process of risk evaluation starts before the issuance of insurance policy, and ends with settlement of the claim (see #20 Claim Process).
Only with the approval of Underwriters, policy is issued to the policyholder. And only after clearance from the Underwriter, the company pays the claim benefit to the nominee

18. Tax benefits:

All the premiums paid towards the life insurance plan are eligible for deductions under Section 80 (C) of Income Tax Act, 1961. The maximum amount that one can claim as deductible is Rs.1.5 lakh.
The benefits paid to the policyholder/nominee are tax-free under Section 10 (10D) of Income Tax Act, 1961

19. Exclusions:

Before you buy any life insurance, read ‘Exclusions’ carefully. These are things that are not covered under a life insurance policy, and against which if claimed, insurance company wouldn’t pay any benefit.For instance, Suicide, is an exclusion in any life insurance plan

20. Claim Process:

In case, the life assured passes away during the policy tenure, the nominee needs to lodge a claim to receive the death benefit as mentioned in the policy

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 💐❣ GA questions asked in today's IBPS PO Mains ❣💐

1. What is the theme of the World Day for Audiovisual Heritage 2019?
Ans: "Engage the Past Through Sound and Images"
2. Which actor unveiled the ICC World Cup Cup trophies for the men's and women's tournament at the Melbourne Cricket Ground (MCG)?
Ans: Kareena Kapoor  
3. Which is the first central government healthcare centre to have robotic surgery facility?
Ans: Safdarjung Hospital 
4. Which institute has made the first-ever Indian Brain Atlas (IBA)?
Ans: International Institute of Information Technology (IIIT), Hyderabad
5. Vikram Solar based in which city? 
Ans: Kolkata
6. Who is the author of the book “The Unquiet River: A Biography of the Brahmaputra”?
Ans: Arupjyoti Saikia
7. Srei Equipment Finance Ltd partnered with which bank to provide loans to MSMEs Sector?
Ans: United Bank of India (UBI)
8. How many countries have signed the International Solar Alliance (ISA) framework?
Ans: 83
9. Which organization presented the Mother Teresa Memorial Award 2019 for social justice? 
Ans: Harmony Foundation
10. Which company signed Memorandum of understanding (MoU) with NTPC Limited and The Energy and Resources Institute (TERI)? 
Ans: Siemens Limited
11. Hyderabad has been announced as ‘Creative City’ by UNESCO for?
Ans: Gastronomy
12. In which state the Asian Development Bank (ADB) will provide USD 451 mn loan to strengthen power connectivity of CKIC?
Ans: Tamil Nadu
13. India and ADB (Asian Development Bank) signed a 200-million dollar loan agreement for upgrading roads in which state?
Ans: Maharashtra
14. Who has become the first state in the country to get the law on contract farming?
Ans: Tamil Nadu
15. As per the National Health Profile (NHP) 2019, what percentage of GDP of India is spent on public expenditure on health?
Ans: 1.28%
16. Which state government has launched ABADHA scheme?
Ans:  Odisha
17.Recipient of the 2018 Vyas Samman wrote 'Jitane Log Utane Prem' poem?
Ans: Liladhar Jagudi
18. Who has become the first Indian to win the Italian Golden Sand Art Award, 2019?
Ans: Sudarsan Pattnaik
19. Where is the headquarter of Ujjivan Small Finance Bank?
Ans: Bengaluru
20. Who has been appointed as the 47th Chief Justice of India (CJI) of India?
Ans: Sharad Arvind Bobde
21. Baroda FASTag is based on which technology? 
Ans:  Radio Frequency Identification (RFID) technology
22. MD & CEO of Indian Overseas Bank Karnam Sekar was the former MD and CEO of which bank?
Ans: Dena Bank
23. Automated Teller Machines (ATMs) set up, owned and operated by non-bank entities are called _
Ans: "White Label ATMs" (WLAs)
24. Which bank has launched a new Fixed Deposit (FD) scheme - FD Health?
Ans: ICICI Bank 
25. sbiINTOUCH Tap & Go Debit Card is based on which technology?
Ans: Near Field Communication (NFC)
 
Ans: Contactless Technology
26. RBI approves the merger of 13 District Cooperative Banks with state cooperative banks of which state? 
Ans: Kerala
27. Global Alumni Endowment Fund has been launched by which institute?
Ans: IIT Delhi
28. The government announced to set up an alternative investment fund (AIF) worth Rs 25,000 crore for____. 
Ans: Housing Sector 
29. Bharosa Saving Accounts is launched by which Payments Bank? 
Ans: Airtel Payments Bank
30. The Central Bureau of Health Intelligence (CBHI) prepared the Report of ____.
Ans: National Health Profile
31. The CIBIL Score containing how many digits?
Ans: Three (The CIBIL Score is a 3-digit number ranging from 300-900).
32. Which resolution scheme was launched to solve the NPA problem through a market-led approach?  
Ans: Project Sashakt
33. Indian Railways’ which zone conducted ‘Operation Dhanush’against ticket touts involved in e-ticketing? 
Ans: Central Railway zone
34. Who is the Chairman of the high-level panel to suggest possible structures and regulations for creating 'social stock exchanges' formed by SEBI?
Ans: Ishaat Husain 

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Basic Insurance.pdf

5_6280584218003112186.pdf
500 Insurance Awareness Questions

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💥💥..All the Best Everyone..💥💥

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🔴 #CONFUSING DAYS🔴


♦️National Tourism Day: January 25
🔸World Tourism Day : 27 September

♦️National Youth Day : 12th January.
🔸 International youth day 2019 -12 August
🔹Theme. Transforming education

♦️National Girl Child Day : 24 January
🔸theme “Empowering Girls for a Brighter Tomorrow
♦️11 October -International Day of the Girl Child 2019
🔹Theme. GIRLFORCE : UNSCRIPTED AND UNSTOPPABLE

♦️World Hindi Day : 10 January
🔸National Hindi Day : September 14

♦️International Epilepsy Day 2019 : February 11
🔸NATIONAL Epilepsy Day –17 NOVEMBER

♦️National Maths Day : 22 December
🔸World Maths Day :15 October

♦️World Consumer Rights Day : March 15
🔹theme ‘Trusted Smart Products’.
🔸National Consumer Day observed on Dec 24

♦️World Vegetarian Day: October 1
🔸World Vegan Day: November 1

♦️5 OCTOBER : World Teachers Day 2019
🔹Theme
Young Teachers: The Future of the Profession
🔸5 SEPTEMBER : National teacher's day

♦️World Post Day 2019 : October 9
🔸National Postal Day : 10 October

♦️Children's day : 14th Nov.
🔸World Children's day : 20th Nov.

♦️world science day 4 peace nd development : 10 nov
🔹theme: Open science living no one behind
🔸National science day : 28 feb
🔹Theme : Science for people and people for Science.


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Lic assistant mains hindi 👇👇Hindi Proverbs (हिंदी लोकोक्तियाँ
1. अपनी करनी पार उतरनी = जैसा करना वैसा भरना
2. आधा तीतर आधा बटेर = बेतुका मेल 3. अधजल गगरी छलकत जाए = थोड़ी विद्या या थोड़े धन को पाकर वाचाल हो जाना
4. अंधों में काना राजा = अज्ञानियों में अल्पज्ञ की मान्यता होना
5. अपनी अपनी ढफली अपना अपना राग = अलग अलग विचार होना
6. अक्ल बड़ी या भैंस = शारीरिक शक्ति की तुलना में बौद्धिक शक्ति की श्रेष्ठता होना
7. आम के आम गुठलियों के दाम = दोहरा लाभ होना
8. अपने मुहं मियाँ मिट्ठू बनना = स्वयं की प्रशंसा करना
9. आँख का अँधा गाँठ का पूरा = धनी मूर्ख
10. अंधेर नगरी चौपट राजा = मूर्ख के राजा के राज्य में अन्याय होना
11. आ बैल मुझे मार = जान बूझकर लड़ाई मोल लेना
12. आगे नाथ न पीछे पगहा = पूर्ण रूप से आज़ाद होना
13. अपना हाथ जगन्नाथ = अपना किया हुआ काम लाभदायक होता है
14. अब पछताए होत क्या जब चिड़िया चुग गयी खेत = पहले सावधानी न बरतना और बाद में पछताना
15. आगे कुआँ पीछे खाई = सभी और से विपत्ति आना
16. ऊंची दूकान फीका पकवान = मात्र दिखावा
17. उल्टा चोर कोतवाल को डांटे = अपना दोष दूसरे के सर लगाना
18. उंगली पकड़कर पहुंचा पकड़ना = धीरे धीरे साहस बढ़ जाना
19. उलटे बांस बरेली को = विपरीत कार्य करना
20. उतर गयी लोई क्या करेगा कोई = इज्ज़त जाने पर डर कैसा
21. ऊधौ का लेना न माधो का देना = किसी से कोई सम्बन्ध न रखना
22. ऊँट की चोरी निहुरे – निहुरे = बड़ा काम लुक – छिप कर नहीं होता
23. एक पंथ दो काज = एक काम से दूसरा काम
24. एक थैली के चट्टे बट्टे = समान प्रकृति वाले
25. एक म्यान में दो तलवार = एक स्थान पर दो समान गुणों या शक्ति वाले व्यक्ति साथ नहीं रह सकते
26. एक मछली सारे तालाब को गंदा करती है = एक खराब व्यक्ति सारे समाज को बदनाम कर देता है
27. एक हाथ से ताली नहीं बजती = झगड़ा दोनों और से होता है
28. एक तो करेला दूजे नीम चढ़ा = दुष्ट व्यक्ति में और भी दुष्टता का समावेश होना 29. एक अनार सौ बीमार = कम वस्तु , चाहने वाले अधिक
30. एक बूढ़े बैल को कौन बाँध भुस देय = अकर्मण्य को कोई भी नहीं रखना चाहता
31. ओखली में सर दिया तो मूसलों से क्या डरना = जान बूझकर प्राणों की संकट में डालने वाले प्राणों की चिंता नहीं करते 32. अंगूर खट्टे हैं = वस्तु न मिलने पर उसमें दोष निकालना
33. कहाँ राजा भोज कहाँ गंगू तेली = बेमेल एकीकरण
34. काला अक्षर भैंस बराबर = अनपढ़ व्यक्ति
35. कोयले की दलाली में मुहं काला = बुरे काम से बुराई मिलना
36. काम का न काज का दुश्मन अनाज का = बिना काम किये बैठे बैठे खाना
37. काठ की हंडिया बार बार नहीं चढ़ती= कपटी व्यवहार हमेशा नहीं किया जा सकता
38. का बरखा जब कृषि सुखाने = काम बिगड़ने पर सहायता व्यर्थ होती है
39. कभी नाव गाड़ी पर कभी गाड़ी नाव पर = समय पड़ने पर एक दुसरे की मदद करना
40. खोदा पहाड़ निकली चुहिया = कठिन परिश्रम का तुच्छ परिणाम
41. खिसियानी बिल्ली खम्भा नोचे = अपनी शर्म छिपाने के लिए व्यर्थ का काम करना
42. खग जाने खग की ही भाषा = समान प्रवृति वाले लोग एक दुसरे को समझ पाते हैं
43. गंजेड़ी यार किसके, दम लगाई खिसके = स्वार्थ साधने के बाद साथ छोड़ देते हैं
44. गुड़ खाए गुलगुलों से परहेज = ढोंग रचना
45. घर की मुर्गी दाल बराबर = अपनी वस्तु का कोई महत्व नहीं
46. घर का भेदी लंका ढावे = घर का शत्रु अधिक खतरनाक होता है
47. घर खीर तो बाहर भी खीर = अपना घर संपन्न हो तो बाहर भी सम्मान मिलता है
48. चिराग तले अँधेरा = अपना दोष स्वयं दिखाई नहीं देता
49. चोर की दाढ़ी में तिनका = अपराधी व्यक्ति सदा सशंकित रहता है
50. चमड़ी जाए पर दमड़ी न जाए = कंजूस होना
51. चोर चोर मौसेरे भाई = एक से स्वभाव वाले व्यक्ति
52. जल में रहकर मगर से बैर = स्वामी से शत्रुता नहीं करनी चाहिए
53. जाके पाँव न फटी बिवाई सो क्या जाने पीर पराई = भुक्तभोगी ही दूसरों का दुःख जान पाता है
54. थोथा चना बाजे घना = ओछा आदमी अपने महत्व का अधिक प्रदर्शन करता है 55. छाती पर मूंग दलना = कोई ऐसा काम होना जिससे आपको और दूसरों को कष्ट पहुंचे
56. दाल भात में मूसलचंद = व्यर्थ में दखल देना
57. धोबी का कुत्ता घर का न घाट का = कहीं का न रहना
58. नेकी और पूछ पूछ = बिना कहे ही भलाई करना
59. नीम हकीम खतरा ए जान = थोडा ज्ञान खतरनाक होता है
60. दूध का दूध पानी का पानी = ठीक ठीक न्याय करना
61. बन्दर क्या जाने अदरक का स्वाद = गुणहीन गुण को नहीं पहचानता
62. पर उपदेश कुशल बहुतेरे = दूसरों को उपदेश देना सरल है
63. नाम बड़े और दर्शन छोटे = प्रसिद्धि के अनुरूप गुण न होना
64. भागते भूत की लंगोटी सही = जो मिल जाए वही काफी है
65. मान न मान मैं तेरा मेहमान = जबरदस्ती गले पड़ना

📕📕...LIC ASSISTANT MAINS HINDI ANTONYMS....📕📕

[ विलोम शब्द]
◆━━━━━━◆❃◆━━━━━━◆
1: ‘निराकार’ शब्द का विलोम है
(क) आकार (ख) साकार
(ग) प्रकार (घ) विकार

2: ‘अजये ‘ शब्द का विलोम है
(क) विजित (ख) जये
(ग) परास्त (घ) पराजित

3 ‘कर्कश’ शब्द का विलोम नही है
(क) मधरु (ख) मधु
(ग) मीठा (घ) कठोर

4: ‘आस्तिक’ शब्द का विलोम शब्द है
(क)अशांत (ख) अनीश्वरवादी
(ग) नास्तिक (घ) रूढिवादी

5: ‘भृम’ शब्द का विलोम शब्द है
(क) निश्चित (ख) संशयहीन
(ग) निभ्रम (घ) निसंशय

6: ‘हँसना’ शब्द का विलोम शब्द है
(क) रोना (ख) मौन रहना
(ग) मुस्कराना (घ) चिल्लाना

7: ‘जड़’ शब्द के सही विलोम शब्द का चयन कीजिये —
(क) जड़हीन (ख) चतेन
(ग) स्थूल (घ) सचल

8: ‘उग्र’ शब्द का विलोम शब्द है
(क) शान्त (ख) अग्र
(ग) अशांत (घ) क्रोधी

9: ‘इष्र्या’ शब्द के सही विलोम शब्द का चयन कीजिये
(क) शीतलता (ख) जलन
(ग) स्नेह (घ) प्रसन्नता

10:’आज्ञा’ शब्द का विलोम शब्द है
(क) हुकम (ख) आदेश
(ग) अवज्ञा (घ) अरविन्द

11: ‘स्वाधीनता’ का विलोम शब्द है
(क) गलुामी (ख) अशांत
(ग) पराधीनता (घ) चतेन

12: ‘धनवान’ शब्द के सही विलोम शब्द का चयन कीजिये -
(क) भिखारी (ख)निर्धन
(ग) गरीब (घ) फकीर

13: ‘संक्षिप्त’ शब्द का विलोम शब्द है
(क) संक्षेप (ख) व्यापक
(ग) विस्तार (घ) विस्तृत

14: ‘लौकिक’ शब्द का विलोम शब्द है
(क) अध्यात्मिक (ख) सांसारिक
(ग) अलौकिक (घ) स्वर्गिक

15: ‘कटु’ शब्द का विलोम शब्द है
(क) मीठा (ख) मिठाई
(ग) मधु (घ) मिष्टान्न
➖➖➖➖➖➖➖➖➖➖➖➖
उत्तर:
1: (ख), 2 : (ख), 3 : (घ), 4 : (ग), 5 : (ग)
6 : (क), 7 : (ख), 8 : (क), 9 : (ग), 10: (ग)
11: (ग),12: (ख), 13: (घ), 14: (ग), 15: (ग)

Insurance awareness.pdf


💐❣ Insurance Awareness Capsule by Kapil Kathpal sir ❣💐

100 Most Important Phrasal Verbs


1.Account for(explain the reason, answer for):  I can’t account for his unusual behaviour in this matter .
2. Ask after (ask about the welfare, inquire after): I met your brother at the party, he asked after you.
3. Ask for (request for): she asked for a glass of water.
4. Bear on/upon [relevant, (bearing on): Your remarks have no bearing on the main problem.
5. Bear out (support the argument, corroborate): I am sure my classmates will bear out my statement.
6. Break down (emotional collapse, stop functioning): While giving evidence in the court, she broke down.
7. Break into (enter by force): The robbers broke into his house last night.
8. Break out [spread (war, epidemic, fire, riots)]: The fear that aids has broken out in India is not unfounded.
9. Break through (discover a secret, major achievement): There is no hope of breakthrough in the murder case.
10. Bring about (cause to happen): The administration helped to bring about a peaceful settlement.
11. Bring out (explain the meaning, publish): When asked to explain, she could not bring out the meaning of the poem.

12. Call for (necessary, require): For the unity of the country discipline among the people is called for.
13. Call off (suspend or abandon): We decided to call off the strike.
14. Call out (ask to come for help): The National Guards has been called out.
15. Carry away by (lose control): On hearing the news of his success he was carried away by joy.
16. Cast down (dejected, down cast): Now-a-days he is cast down as a result of his failure in the examination.
17. Come across (meet by chance): I came across my old friend in the market yesterday. 18. Come over (get over, overcome): You can come over your problems by honest means.
19. Cut down (curtail, reduce): Since you are out of job these days, you must cut down your expenditure.
20. Cut off (discontinue, die, and remove): Gas supplies have now been cut off.
21. Die down [gradually disappear (riots, excitement, storm etc.)]: The wind has died down.
22. Do for (serve the purpose): This book will do for the SSC examination.
23. Drop in (to pay a short visit): I thought I‘d just drop in and see how you were.
24. Fall back (retreat): The rioters fell back when the police arrived.
25. Fall out (quarrel): The two friends appear to have fallen out over a minor issue.
26. Get at (reach, understand) It is very difficult to get at the truth etc.
27. Get away with (without being punished or with little punishment): Although his fault was serious, he got away with light punishment.
28. Get over (recover from illness or shock, come over): He is still trying to get over the financial crises .
29. Give away (distribute): She has given away jewellery worth thousands of Rupees.
30. Give in (surrender, agree): At first she was adamant but at last she gave in to the request of her friend.
31. Give way (collapse under pressure, break): The contractor was charged with negligence when the roof of a new building gave way.
32. Go down (be believed): Your excuse will not go down.
33. Go through (read hurriedly, endure): He didn’t lend me the newspaper because he was going through it.
34. Hand over (give charge or authority): He has not handed over charge to the new manager.
35. Hold on (carry on, bear difficulties, and persist): In spite of financial difficulties he held on and succeeded in the long run .
36. Hold out (resist): When the robbers ran short of ammunition, they could no longer hold out.
37. Jump at (accept happily): He jumped at the offer of his boss to accept the job abroad. 38. Keep off (keep at a distance): There was a notice at the site, “keep off the bushed.”

39. Lay by (save money): The wise men always lay by money for their old age.
40. Lay off (to discontinue work, dismiss temporarily): The workers have been laid off for want of raw material.
41. Live by (means/manner): You must learn to live by honest means.
42. Look after (take care of): In her old age she has no one to look after her.

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Hi friends
I am Sachin Kakade continuing the Data interpretation series bringing 3rd video
In this i am going to cover castle DI part 1

The link is given below

https://youtu.be/yI6pwkcANXE

🙏Thanks for your great support 👍

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