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SALIENT POINTS ON LIFE INSURANCE IC-33 SYLLABUS

  1. Who is the regulator for insurance industry in India? – IRDA
  2. Which is the secondary burden of risk – setting aside reserves to meet potential losses of future?
  3. Risk transfer thro risk pooling is Insurance.
  4. Insurance pays when? -loss of life or asset.
  5. One of the disadvantages of insurance – low yields. Inflation and rate of interest to affect savings in insurance maturity benefits.
  6. Advantages of insurance – security, savings, and tax benefits.
  7. Who devised HLV concept? – prof. hubener.
  8. Why young people are charged less premium? – Premium is related to mortality. Lesser the age lesser the risk.