Learn More About Car Insurance Companies In Oklahoma City

The internet is a blessing for the customer today. The customer can learn about the best products and services in town before he decides which of these to buy. He can also compare the prices and other features of the products or services he requires and then decide which company offers him the best deal. There are many ways to go about this but if one uses the internet and the popular search engines for the same then one will get the most accurate and the fastest information. Everyone has easy access to the internet today and conducting an online search is very easy and simple. This way one can avail information about the best car insurance companies in Oklahoma City at the click of a button. Most of the people run the online search today to find the most well-known insurance companies or the best policies for vehicles.
Check internet for more information
There is so much information available online today that it does not make sense to look anywhere else for this information. All major insurance companies have well d designed websites that are very informative and user friendly. One can access these websites through an online search and then browse through them for more information about the various policies offered for vehicles. Most of the pertinent information can be found on the website itself and if there is anything else that one requires then one could always call the insurance company using the number seen on the website. Alternatively one could fill in an online form found on the website with ones contact details and nature of query. Someone from the insurance company, most likely a customer representative will get back to one along with answers to ones query.
Best insurance cover
Things have become so easy and simple for the customer today and he can learn of the best car insurance companies Oklahoma City at the click of a button. He can first avail the list of the best car insurance companies and then go through their websites one after the other to learn more about their policies and car insurance cover. This is definitely better than going through the local yellow pages or the telephone directory for such information. This method will take one quite long and one will have to keep making endless phone calls to the insurance companies for more information about their policies. Comparing insurance policies is the best way to avail the maximum benefit providing insurance cover for ones vehicle.

Guangxi Promote The Trade Between China And Asean

Vigorously promote the construction of a common market, the Guangxi into a base of China-ASEAN trade, which is China – ASEAN Free Trade Area between the two sides deepen cooperation and concrete manifestation of the inevitable demand. And Guangxi, China and ASEAN trade has become the base conditions. In recent years, trade between Guangxi and ASEAN accounted for Guangxi’s total foreign trade has gradually increased, from 25.9% in 2003 increased to 34.8% in 2009. ASEAN as Guangxi’s largest export market and the largest import market position has been further consolidated. Guangxi and the ASEAN market is highly complementary, mechanical and electrical products, agricultural products and textiles in Guangxi’s main exports to ASEAN. In 2009, export of electromechanical products in Guangxi to ASEAN accounted for 30.4% of exports. Imports of mineral products and agricultural products are the main products of Guangxi in 2009, together accounted for 86.5% of imports from ASEAN, including coal, iron ore, manganese ore, titanium sand, palm oil, fruits, cassava, timber and natural rubber, which some of the products China imports from ASEAN accounted for a larger share. Accelerating the transport and logistics infrastructure, also makes contacts in recent years, ASEAN through Guangxi Port rapid growth in the goods market, Guangxi, China and ASEAN is becoming a distribution center of goods. Exports to ASEAN through Guangxi Port of cars, clothing, fertilizer, steel, and imports from ASEAN coal, iron ore, palm oil, refined oil products grew rapidly. In the free trade area, led by construction of Guangxi and the ASEAN common market will greatly promote the growth and development of Guangxi’s economy, help to promote Guangxi’s open economy and the overall opening-up levels. Construction of Guangxi and the ASEAN common market, the basic idea is to China – ASEAN Free Trade Area, and mutual cancellation or reduction of tariffs and non-tariff barriers as an opportunity, through the expansion of bilateral trade between Guangxi and ASEAN to speed up the construction of the common market; by expanding the depth of the traditional ASEAN market, vigorously develop new ASEAN market, to achieve comprehensive development; expansion of processing trade, stability, border trade; encourage potential and market demand for products to enter both markets, optimize the structure of import and export commodities; training for the ASEAN market of business entities; steady progress in China – ASEAN trade bases. The overall objective is to strive to 2011-2015 the average annual trade volume between Guangxi and ASEAN increased by 25%, among the nation continued to import and export volume accounted for the proportion of trade between China and ASEAN to further improve. By 2020, strive to make Guangxi become an important distribution center of goods between China and ASEAN, and the completion of China exports to ASEAN’s important manufacturing base (china business), imports of vital resources and raw materials base in China and ASEAN commodity trading base in China and ASEAN businessmen gather and exchange Commodity exhibition base (china trade). From: china wholesale

How to Avoid Scams when Buying Health Insurance for Individuals

There are effective ways to avoid being a victim of health insurance frauds. Health insurance for individuals should be carefully looked at before being purchased.

More and more people are realizing the advantages of investing in health insurance products. In many countries, there are now reforms under way to further improve how such policies are provided, sold, and implemented to the public. Along with the rising popularity of health insurance for individuals are medical scams that accumulate to become a multi-billion dollar industry year after year. Scammers are surely plotting ways to potential attacks. Here are some effective measures to avoid being a victim of health insurance frauds.

Be careful when looking at discount programs. Most of the time, insurers fashion health insurance for individuals as members only plans or discount programs with terms and conditions that are too good to be true. Such programs sometimes offer set fees for medical services brought about by doctors within their network, while their physicians offer many common medical treatments on heavy discounts. In many cases, some doctors provide such services because they expect the patients to need and acquire other services that are not included in the discount list. Services that are outside the coverage usually are too costly that you would end up paying as if you do not own a health insurance policy.

Be prepared to effectively distinguish between discount plans and health insurance plans. The two sets of products are not subject to similar benefits and regulations. While it may be true that not all discount offerings are rip offs of medical insurance products, most of them are legitimate and valuable products as well. However, it is still advisable that you carefully look into details before signing up for any discount programs. Many experts recommend buying traditional health insurance for individuals rather than discount products.

Check the list of local doctors that are accepting medical insurance for individuals. Be sure to get updated copies of the list. In many cases, consumers end up sorry because they would eventually realize that many of the doctors on the list are already retired or are not in business anymore. You certainly would not like a policy that is not accepted by most doctors in your area.

Be Informed

Doing so is still the easiest, most effective, and surest way to possibly reduce your own chances of ending up being victimized by scammers. Always be aware of latest offerings from various medical insurance products and brands in the market. Be informed about latest changes in regulations and legislations that cover health insurance for individuals. Make sure you know a product really well before buying it.

Claims Payment Record Of The Private Insurance Companies

As we know, there are 20 odd private life insurance companies in India, and there is LIC which is a public sector company. LIC is the 800 pound gorilla, managing to hold on to about 75% market share even 10 years after private companies have been allowed into the life insurance space. The private life insurance companies position themselves on being more customer friendly, wider array of products etc while LIC holds on to its positioning of trust, experience and government backing. One of the key parameters on which to judge a life insurance company is their claims payment record. At the same time, we must note that given that life insurance has become more of a savings and investment product, the returns that they provide are perhaps more important than claims payout ratios. Nevertheless, claims record is definitely not a variable to be ignored.

A table illustrating the claims rejection percentages of the top life insurance companies in 2009-10 is presented below:

Life Insurance Company
Claims rejection ratio (%)

LIC 1.21%
Aviva 9.75%
Bajaj Allianz 5.2%
Birla SunLife 10.62%
HDFC Life 4.67%
ICICI Prudential 3.27%
ING Vysya 4.26%
Kotak Mahindra 4.29%
Max New York Life 12.31%
MetLife 5.94%
Reliance Life 7.05%
SBI Life 14.75%
Tata AIG 12.3%

An important observation from the above table is that the claims rejection ratio of LIC is the lowest, thus implying that their record is the best as far as claims payment is concerned. At the same time, the very high percentage of claims rejection of SBI Life and Max New York Life surely comes in as a surprise.

It must however be noted once again that in Unit Linked products that life insurance companies promote aggressively (or at least was promoting till Sep 2010) , the returns earned on the fund is perhaps a more important variable than the claims payment (or rejection) ratio. However, for non life insurance companies, which offer pure protection/insurance products with no savings or investment component, claims payment is the crucial variable along with the speed of processing of claims.

Let us now look at the incurred claims ratios of the non life insurance companies:

Non Life Insurance Company
Incurred claims ratio

New India Assurance 89%
Oriental Insurance 99.69%
United India Insurance 78.62%
National Insurance 99.16%
Royal Sundaram 68.95%
Reliance General Insurance 77.3%
Iffco Tokio Insurance 83.44%
Tata AIG 60.54%
ICICI Lombard 85.35%
Bajaj Allianz 71.9%
HDFC Ergo 80.73%
Bharti Axa 104%%

One data point that stands out from above is that Tata AIG General Insurance seems to be sourcing the best quality business from the underwriting point of view, whereas the claims payment ratio of Bharti Axa seems to be quite high. Alo,the claims payment ratio of the public insurers, at an overall level, is higher than that of the private non life insurers.

Ben Bernanke Economic Views

The US economy may be on the rise from the economic recessions that it has been grappling with, but Ben Bernanke economic views indicates that not every body thinks so. Ben Bernanke is the Federal Reserve chairman who said that Americans would still have to pay more in terms of taxes even when the economy is said to be coming out of the worst of the recession effects. He said that the only way for the country to be rid of the deficit that it is still facing the taxpayers have to pay even more taxes.

Ben Bernanke economic views state that Americans will have to step up to the plate and pay more taxes in Medicare and Social Security. He said that it was only way that they could ensure they have financial stability as well as growth in the economy. Even though he never gave any specific way that the country could help itself, he had views on the economy that would be affected if nothing was done fast.

Medicare and social securities are the most fundamental things that the government is trying so hard to fund, even though it is still having problems doing so. One of the views that that Federal Reserve chairman said was that every citizen was to spend less on such issues and education and defense so that they could try to pay more taxes on the Medicare and social security. He also offered that may be a combination of the two could also work.

He is quoted as saying that it would be possible to revive the economy if the government developed a good plan that would see to the reduction of the deficits that have accrued in the long-term. He believed that this was the only way to attract investors who would lend the government money at low rates.