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Adverse Selection in Group Health Insurance

Adverse selection has plagued the insurance industry for a long time now. Insurers have found it challenging to find ways to abstain from issuing policies risky for them. A moral hazard and other factors meant that individuals have found ways to benefit from group health insurance by adverse selection. So, what is adverse selection? And why does it matter? This article has the answers. What Is Adverse Selection? Adverse selection refers to a buyer (insured) having more information than the seller (insurer) and using the same to their benefit unscrupulously…

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Best Desk Exercises to Boost Your Day in Office

In recent times, there have been enormous advances in the field of technology. Technology has enabled people to work from desks. However, it has one severe effect on the human mind and body – people have become quite sedentary. People prefer to mindlessly scroll through their feed rather than exercise. Even in offices, employees sit at their desks for long hours, and it drastically affects their health. To protect their health, companies have started offering group health insurance to their employees as a part of the employee wellness program. đź’­…

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Here’s Why You Should Buy a Term Insurance Plan With Your First Salary

Young people are often considered to be too young to make important decisions in life. They feel that there is still time to reflect on all the major life decisions to come. This invincible feeling comes from the physical well-being of youth. This feeling grows when a young working professional gets his first salary. However, in reality, this is the best time to think about some of the more important decisions in life. More importantly, this is the right time to make the right financial decisions. If you believe in…

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Choose A Term Insurance Policy That Suits You Best

Life insurance is for everyone who wants one. With the array of plan options available, it may be difficult to not find a plan that offers the features and benefits you need. For someone who wants a simple insurance plan at the lowest costs possible, term insurance may be one of the best choices. If you are looking to buy a term plan, it is essential to know that there is more than one sub-type. When most people talk about term policies, they are usually referring to level term insurance,…

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Credit Card Types: Which Fits your Needs?

2020 saw Indians use their credit cards to order food and groceries online as well as for shopping and utility bill payment, according to a survey conducted by Cred. Even as credit cards offer a convenient option to make payments, you must know about the different categories to zero upon the one which suits your requirements. You can opt for reward-based cards such as lounge access credit cards, cash back credit cards e.t.c. or simply go for a basic credit card. Some banks might also offer you a free credit…

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Develop Your Financial Status Using Stock Trading

The meaning of the stock market is “exchanges”. Stock exchanging is one of the emerging keys for the business purpose.In the stock market like the New York stock exchange where the investors come together to buy and sell shares of those stocks.Supply and demand in the market are determined the stock prices as buyers and sellers place orders. This stock exchange takes place in electronic marketplaces also. If people have money but don’t know where to spend and double up their existing money, here it isone of the best tradings…

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4 Advantages of Income Protection Insurance

Income protection is an insurance where you get some benefits as well as money as per your policy when you are injured or met with an accident. When your company does not pay you when you are on a leave, then income protection insurance ensures that you continue to get some money even when you are on a medical leave. If you are planning to get income protection insurance and you are confused about where to compare income protection, this is the best platform to do so. Below listed are…

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Safeguard Yourself from Cancer

Cancer is a debilitating and life-threatening disease. It occurs when normal cells in the body mutate and grow abnormally out of control. Once this happens, the abnormal cells proliferate and begin to form a tumor. Sometimes, cancer can originate in one body part and spread to other parts. In other instances, it may be restricted to one organ. The progression of the disease is identified by stages, with the earlier stages being benign and the later stages being malignant. Symptoms and causes The main symptoms of cancer are: Unintended weight…

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All The Details About Travel Insurance Policy

Traveling anywhere and any place is loved by all. Even most of the people too got some hobbies for that. But planning a trip is not child play and you need to collect all the information about the place you are visiting starting from the booking hotels, tickets and other things as well. Many people also buy some good new clothes and other accessories before the trip. But among all these things that you go for, one can see that most of the people don’t pay much attention to a…

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How women should approach their retirement planning

Gone are the days when women were dependant on someone to look after their days. Historically, your husbands might have planned for your retirement. Today, women have their own Life goals and have taken up things in their hands. However, women are still looking for the right ways to navigate the path after their working lives. They are not only re-discovering themselves in their personal as well as professional lives but also redefining retirement on their own terms. Every woman should concentrate on the right retirement planning to live a…

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