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A Guide to Help You Pick the Best Air Purifier for Your Loved Ones

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Holidays are around the corner. This is the time of year when people start purchasing gifts for their loved ones. If you are going to purchase an air purifier for someone you love, we have some helpful tips for you. If you want to purchase the best unit, you may be able to use this guide to your advantage. Read on to find out more.

1: Set Your Budget

Just like anything you purchase, make sure you have set your budget first. The price of the unit will vary based on a lot of factors, such as the capacity, filter type, features, and brand of the unit. If you don’t have a flexible budget, we suggest that you go for a product that is available to purchase for less than $300.

2: Consider the Needs of the Recipient

Your next move is to consider the needs of your recipient. If you are going to purchase this unit for everyday use, we suggest that you go for a unit that comes with a HEPA filter. On the other hand, if your loved one has a specific need, we suggest that you consider a specialized unit.

For example, if they are more prone to respiratory issues, such as allergies and infections, we suggest that you get a UV purifier for them. The devices are designed to neutralize viruses and bacteria.

3: Think About the Available Space

Another primary factor is to consider the available space in the office or house of the recipient. For example, if they need a general-purpose unit for a small apartment, you may want to consider a filterless unit.

On the other hand, if they have plenty of free space, you may consider a bigger unit that features a higher airflow rating. These units are powerful enough to cover a large face.

4: Consider Extra Features

Lastly, we suggest that you consider additional features that they will just love. For example, some units come with an indicator that turns on when the filter needs to be replaced. This will allow the user to change the filter so that the device continues to work properly.

So, you may want to consider these features before you place your order. These features may not be important to you, but your friend may just be over the moon.

Long story short, we suggest that you consider these four tips if you are going to purchase a gift for your loved one on these holidays. Since the air is full of pollution during winter days, nothing can make a better gift than an air purifier. Therefore, you should consider these tips before looking for an online or physical store to make your purchase decision.

Could Claims Challenge Current InsurTech Priorities?

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The insurance industry is witnessing a lot of change, driven by current technological trends, like the Internet of Things, Big Data and Analytics, Blockchain which are dynamically and irrevocably changing the way it functions. Let’s look at the top trends impacting the industry and discuss the various challenges which are driving the current InsurTech priorities and see if we can call out the most important of them all.

Every industry has its leaders and its laggards and the insurance industry is not an exception to this. Deep pockets are helping some insurers to take advantage of digital technologies to change the way they function and to:

Offer new models and personalized products to meet changing customer expectations, which are driven by online retail sales models,
Partner with technology players to ensure that they keep up with the emerging trends in technology and to take advantage of the Internet of things to adopt connected sensors or devices to collect data for loss prevention and employ better pricing methods in property & casualty, life as well as health insurance.
Establish a cyber-security strategy to protect the sensitive personal and business data stored by them and comply with privacy regulations.
Adopt cloud computing, AI and automation to improve speed and flexibility and to settle claims faster to offer better customer satisfaction,
Use advanced analytics to derive strategic insights and proactively plan future business offerings and gain competitive advantage.
Consider the use of blockchain technology to add “smart” contracts and secure, decentralized data collection, processing and dissemination to their processes.
Are these strategic initiatives sufficient to enable companies which adopt them to enjoy industry and market leadership, and ultimately, success? What capabilities are needed for insurers to prepare themselves to meet the demands of the industry, in channel expansion or business model development, as it evolves? How can insurers prepare for the demands of tomorrow even as they meet today’s expectations from them? The aim of this post is to postulate that many insurers are failing to recognize the importance of claims management to their business, even as they are focusing on many of the other strategic imperatives facing them. Let’s explain why we would say so.

It is an open secret that customers are always happy with a good claims settlement experience, but tend to get very upset and start posting strong negative online feedback when their claim is delayed, disputed or rejected. Though claims satisfaction is an extremely critical component of an insurer’s overall customer relationship management challenge, it is only a work in progress for most at the current time. Instead, they need to pay attention to the customers and also focus inward, as they delve deep into the reasons for a customer’s dissatisfaction:
Insurers need to pay close attention to customer feedback and satisfaction levels with their claims filing process and settlement experience, especially when they are rejected.
Insurers have to capture customer feedback and factor it into the way their processes are functioning and question the clarity of their sales pitch itself, and see if the claim was fairly rejected.
They need to pay close attention to their reputation in this key area of customer satisfaction, which could impact their ability to retain a customer.
It must be remembered that dissatisfied customers never come back for additional coverage or another policy.
Even agents who find too many customers raising their voices against an insurer’s claim settlement process tend to move business away from them.
The seamlessness of customer experience needs to extend to claims handling, as claim filling becomes a smooth process.
Insurers can use technology to provide more options for filing a claim, including the uploading photos and videos, with increased speed and accuracy and reduced contact points with humans.
As algorithms detect fraudulent claims more easily, claims handling is improving in efficiency. Data driven claim prevention can help decrease costs and deliver value by predicting actual risk and reducing premiums.
In managing the delicate balancing act between identifying fraudulent claims and paying legitimate ones, insurers could create a negative relationship with a customer by being too strict or overly suspicious. But that doesn’t mean they can be trusting and keep approving every claim in a lenient manner. Any unfairness, whether real or assumed, could determine whether a policy gets renewed again, or our online reputation suffers, or the insurer could face a legal dispute in a court. Even as insurers work hard to identify the technologies needed for them to expand their distribution channels and ensure that they create optimized customer journey; they cannot lose sight of the importance of eliminating fraudulent claims from their list of priorities. Which is why, we feel that claims management could challenge InsurTech priorities for the insurance industry. What do you think? Please write in and share your thoughts.

Life Insurance Corporation: A Review of Children Policies

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Introduction:

Life Insurance Corporation is the largest policymaker in India under the control of the government of India. Insurance is a contract that pledges payment of a sum to the person (or nominee) in case of occurrence of the deed insured against. LIC offers a wide range of policies over a wide range of intervals and customer groups. Life insurance in India started over a hundred years ago. LIC has been the policymaker for over a hundred years. All age groups can make policies, but old aged and the children reap the best benefits.

Children Policies:

The children’s policies offered by LIC are by far the best compared to any other insurance organization. These policies are versatile, and you can tailor them to your requirement. All these policies have a similar layout. You can start the policy before your child reaches the age of 12, and you can choose the age of maturity. The range starts from 18-25 years, according to your child’s career plan. Currently, LIC offers two plans for children.

The New Children’s Money Back Plan:

The New Children’s Money Back Plan is a Non-linked, Participating, Individual, Life Insurance money back plan. It comes with the caption children grow up very fast. This plan offers all three Death, Survival, and Maturity benefits.

The Death benefits include a sum upon an untimely death. Survival benefits include withdrawals at regular intervals, while maturity Benefits include the total policy amount along with the maturity benefits. The survival benefits make this plan suitable for your kid’s education, marriage, and other activities. The survival benefit includes a fixed 20% payment on every anniversary of the plan. You also get the participation profits the LIC decided for the quarter. You get the chance to choose among various survival and death benefits. This makes it best child insurance plan in lic.

You can pay installments Monthly, Quarterly, Half-yearly, or annually. The minimum sum is 1,00,000 rupees, and there is no limit on the maximum.

The Jeevan Tarun Plan:

The Jeevan Tarun plan is an exclusive plan for your kid’s educational expenses. This plan provides you all the four benefits of the above plan, but with different rates and options in each benefit. The minimum maturity age is 20 years, and the survival benefits options are more oriented towards the educational perspective.

This plan gives you four options each for the survival and maturity benefits, making it more versatile. You can choose the percentage of survival and maturity benefits. The options in survival are nil, 5%, 10%, and 15 % a year. Similarly, options for maturity benefits are 100%, 75%, 50%, and 25% respectively. This here makes this policy the best lic policy for your child’s future.

Both plans are best child insurance plan in lic. LIC is one of the oldest and trustworthy policymakers in the country. Be sure to go through the terms and conditions thoroughly. Take extra time and advice in selecting your options for the respective benefits. These options cannot be changed midway. Choosing your maturity year is also essential. Be aware of fraud. The insurance and policymaking industry is prone to a lot of fraud. Choose the lic child plan which suits you and secure your kid’s future.

The Significance of Pure Air Inside Your Home

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Have you ever climbed up mountains? If so, what do you do when you reach the top? Most people open their arms, close their eyes, and take a deep breath. That is the special thing about clean and fresh air. You feel like taking a pause and inhaling fresh air. Over the past year, we have faced several waves of coronavirus. These days, we have been warned about another wave of this virus. Therefore, the importance of clean air has been increasing day by day. In this article, we are going to find out why air quality is important when it comes to our indoor environment.

The impact of pollution on your indoor air

No matter where you go, you will have to face the consequences of poor quality. Even if you are alone in your home, you will still be prone to polluted air. Every year, more than 1 million people lose their life because of air pollution.

According to some reports, India is among the top 10 countries in the world with the worst air quality. The effect of polluted air is more evident as people spend over 90% of their time inside their homes. Another research study found that residents are at a greater risk of covid-19.

As a matter of fact, indoor air pollution has become an international concern. We can say that pollution levels inside and in closed spaces are up to five times higher. Since most pollutants are not visible to the naked eye, you may not be able to aware of the dangers of dirty air.

Indoor air pollutants may be generated by common household items, such as cleaning agents, cooking fuel, furniture polish, pet dander, and paint. Apart from this, domestic appliances such as refrigerators and heaters may also be the common source.

Since homes are not airtight, air pollutants can easily get in. For example, smog, smoke, mold spores, and dust can get into your house through your windows or doors. Air conditioners can be used to cool down your rooms. But the downside is that they can also boost the movement of pollutants across your house.

What can you do to purify your indoor air?

Basically, air purifiers are simple devices that receive dirty air and put it out after passing it through powerful filters. Nowadays, you can choose from hundreds of air purification units available in the market. They are based on a wide range of technologies. They are available in different sizes to cover rooms of different sizes.

Nowadays, most types of air purifiers depend on HEPA technology. Initially, this technology was introduced in the 40s in order to capture pollutants from the air. Although these filters have been used for the filtration of particulate matter, they may not be that effective when it comes to eliminating volatile organic compounds.

Therefore, if you are worried about your health, we suggest that you invest in a type of device that comes with a HEPA filter. With these units, filtering your indoor air will be a piece of cake. Therefore, you can count on these devices to and ensure clean air inside your house.

Why Worry About Board Up Services?

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Your home or business has been damaged by fire, flooding, or some other natural disaster. There are definitely areas that are exposed, and you’re waiting on your insurance to get started with the restoration process. What do you need to do while you’re waiting to get an answer about everything?

Emergency board up services are something that you may want to consider for the “in between” time. Why would you go through the time and money to get these additional services before you even start the restoration process? Here are some of the benefits of it.

Prevent Theft

One reason to consider board up services is because you don’t want robbers and thieves thinking that they have an easy target to go after. If you leave parts of your home or business open and vulnerable, it’s going to be simple for those people to waltz in there and take whatever they want that is still intact after your disaster. Boarding up your doors and windows, along with any gaps in the walls, can deter potential thieves and keep whatever is left at your property as safe as possible.

Prevent Rain, Snow, and Wind from Damaging the Property Further

All year long, rain and snowstorms can be a bit of an issue if your home or business is left open to the elements. In those cases, it’s going to be in your best interest to connect with emergency board up services as soon as you can. The last thing you need is for your restoration company to get into your home or business to find additional water, or to have to dig out several inches of snow before they start working. It can also prevent wind from going through your home or business, which also prevents additional damage from occurring during that waiting period.

Stop Animals from Getting Inside

Lastly, board up services can easily prevent animals from coming into your home or business. Many animal species are incredibly smart and opportunistic, and they may see your currently empty building as a great place for them to set up a den or shelter. But, if your home or business is boarded up, they will have fewer ways to get inside. Smaller animals may still find nooks and crannies where they can get in, so you’ll need to keep an eye out for them when you move back in. But, at least squirrels and mice are easier and safer to deal with than say, a raccoon, bear, or deer.

If you get professionals to board up your property, you can rest easy and know your home or business is safe, and that’s the bottom line. Many companies that sort out restoration services will also do everything that they can in order to board up and protect your home or business until they can start the restoration process. You just need to get in touch with them and let them know what sort of help you’ll need to take care of everything related to your home or business