Ramanisblog

Tag: Receipt

  • Procedure for LIC Claims.

     

    LIC services have vastly improved now.

    Claims are settled with out squabbles, provided we submit all the Documents.

    In private Insurance companies. you are being asked(especially Reliance) to submit your copy of the Application form for signature verification.

    It is prudent to have your signature verified by your Bankers for hassle free settlement of claim settlement.

    Also have your change of address notified and confirmed as this would help avoid payment of Claims.

    Alterations In Policy
    There may be instances when you would like to make alterations in your policy like change of premium payment mode, reduction in premium paying term etc.
    Your applications may be given in writing to the branch that services your policy for our further action.

    There are different types of alterations that are allowed on our life insurance policies( Click here to know more about alterations)….

    If Your Policy Is Lost
    Kindly make a thorough search before concluding that you have lost the policy bond. Look for the same within your residence, among your investment papers, at your office and even with your agent to whom you might have entrusted the document for some reason.
    It could have been even pledged with LIC/any other financial institution for availing a loan by you. LIC retains the policy bond when you go in for a loan against the policy. Make sure that the document you are searching is not one that has already been assigned to LIC, or to another financial institution.

    If the policy bond is partially destroyed due to natural causes like, fire, flood, etc, the remaining portion may be returned as evidence of loss of policy to LIC, while applying for a duplicate policy.

    In case you are sure that the policy bond is untraceable due to unknown causes, there is a simple procedure to comply with while applying for the duplicate policy at the branch that services your policy (Click here to know about obtaining duplicate policies). ..

    Your Contact Address – Keep Us Posted Without Fail
    Your address is very important for us. Without your latest address we would not be in a position to contact you for any service offering. We would not like to keep any benefit that is due to you pending for want of this very important information. Whenever you shift residences, please inform the new address to us. Otherwise any communication we send to you, like premium notices, discharge vouchers for maturity and survival benefits etc., will get delayed in reaching you.

    LIC provides for change of addresses, inclusion of telephone numbers, mobile numbers and email addresses in your contact addresses information. Kindly inform your servicing branch to incorporate the same in your policy records.

    …
    Admission Of Age
    Check your policy bond and see if your date of birth is correctly given therein.
    This is one of the factors on which the premiums you pay for your policy is arrived at.
    This would also form the basis of all future policies you might avail from us.
    In case your earlier policies do not have your date of birth incorporated and you do have a date of birth certificate issued by the competent authority, you may send an attested copy of the same to us, with a request to admit your age (Click here to find out the certificates of age that LIC accepts.)..

    Nomination
    Ensure that the nominees name is correctly incorporated in the policy bond.
    You may change the nomination in your policy any time during the lifetime of the policy
    In case you have not included the name of the nominee till now, please do not delay; inform us your nomination immediately. Kindly note that the change of nomination has to be done in the branch that services your policy.

    The nominee is the person to whom the insurance claim amounts would be payable, in case anything unfortunate within the purview of the policy conditions happens to you.
    The policy is usually taken by you to benefit your family – nominate the persons who’ll have the welfare of your family in your absence; the usual preferences being spouse and children.

    You may nominate even minors like your children, in which case you have to name another person who’ll have the welfare of the minor children, as an appointee( Click here to know more about nomination)..

    http://www.licindia.in/policy_guidelines.htm#2

    1. A copy of your LIC Policy
    2. Necessary information in case of a life event

    Steps

    1

    Maturity Claims:
    In case of Endowment type of Policies, amount is payable at the end of the policy period. The Branch Office which services the policy sends out a letter informing the date on which the policy monies are payable to the policyholder at least two months before the due date of payment. The policyholder is requested to return the Discharge Form duly completed along with the Policy Document. On receipt of these two documents post dated cheque is sent by post so as to reach the policyholder before the due date.

    2

    Some Plans like Money Back Policies provide for periodical payments to the policyholders provided premium due under the policies are paid up to the anniversary due for Survival Benefit. In these cases where amount payable is more than Rs.60,000/-, cheques are released after ,calling for the Discharge Receipt or Policy Document. These two requirements are insisted upon.

    Death Claims:

    The death claim amount is payable in case of policies where premiums are paid up-to-date or where the death occurs within the days of grace. On receipt of intimation of death of the Life Assured the Branch Office calls for the following requirements:

    1. Claim form A Claimant’s Statement giving details of the deceased and the claimant.
    2. Certified extract from Death Register
    3. Documentary proof of age, if age is not admitted
    4. Evidence of title to the deceased’s estate if the policy is not nominated, assigned or
    5. issued under M.W.P. Act.
    6. Original Policy Document

    The following additional forms are called for if death occurs within three years from the date of risk or from date of revival/reinstatement.

    1. Claim Form B Medical Attendant’s Certificate to be completed by the Medical Attendant of the deceased during his/her last illness
    2. Claim Form B1 if the life assured received treatment in a hospital
    3. Claim form B2 to be completed by the Medical Attendant who treated the and signed by a person of known character and responsibility
    4. Claim form E Certificate by Employer if the assured was employed person.
    5. Certified copies of the First Information Report, the Post-mortem report and Police Investigation Report if death was due to accident or unnatural cause.

    These additional forms are required to satisfy ourselves on the genuineness of the claim, i.e., no material information that would have affected our acceptance of proposal has been withheld by the deceased at the time of proposal. Further, these forms also help us at the time of investigation by the officials of the Corporation

    Double Accident Benefit Claims:
    Double Accident Benefit is provided as an inject to the life insurance cover. For this purpose an extra premium of Rs.1/- per Rs.1000/- S.A is charged. For claiming the benefits under the Accident Benefit the claimant has to produce the deceased life assured prior to his last illness.

    Claim Form C Certificate of Identity and burial or cremation to be completed proof to the satisfaction of the Corporation that the accident is defined as per the policy conditions. Normally for claiming this benefit documents like FIR, Post-mortem Report are insisted upon.

    Disability Benefit Claims:
    Disability benefit claims consist of waiver of future premiums under the policy and extended disability benefit consisting in addition of a monthly benefit payment as per policy conditions. The essential condition for claiming this benefit is that the disability is total and permanent so as to preclude him from earning any wage/compensation or profit as a result of the accident.

     Caution
    • Please do not hand over the claim papers or the policy documents to strangers who offer to help.
    • Do not give the papers even to the LIC agent unless he or she is very much known to you. Go along with them personally.
    • There are many occasions when the papers are handed over to the unknown agent or broker and the money is claimed by them and the family suffers.

    Links.

    LIC Website

  • Can’t track Blackberry, Gmail: DoT

     

    ‘Enemy of The State’ is a favorite movie of mine. I was watching it(second time) yesterday.

    I wanted to write on the subject of privacy,National Protection and National Security.

    Now , as I sit down to write down on this,I find this funny gem,where an emerging giant of an industrial power unable to track G mail,Blackberry story has been going around for quite some time now.(read my blog on ‘no technology for 3G under Technology)

    Instead i am producing here below links on tracking electronic mail.

    I have deferred my decision on National Security for the time being,

    India‘s Department of Telecommunications (DoT) has given up on Blackberry – saying it cannot track about 15 communication services including Gmail and other email services. Nothing new was decided at a high-level meeting where India’s top security officials were present. The DoT understands the only option would be to build technologies for intelligence agencies for monitoring and interception purposes. It was pointed out by the DoT that in most countries, intelligence agencies build their own monitoring and interception capabilities, where feedback is provided by telcos. But, the Home Ministry has asked the service providers to ensure their services can be tracked on a real-time basis.
    DoT sources said: “The DoT has come to a conclusion that to track blackberry services and intercepting encrypted communication, security agencies must build capabilities of decrypting the intercepted communication. The ball is now in the Home Ministry’s court as it has to decide whether to ban such communications now.” The services listed by the DoT were video chats, internet telephony calls and push emails on high-end handsets.

    Related:

    E-mail tracking is a method for monitoring the e-mail delivery to intended recipient. Most tracking technologies utilize some form of digitally time-stamped record to reveal the exact time and date that your e-mail was received or opened, as well the IP address of the recipient.

    E-mail tracking is useful when the sender wants to know if the intended recipient actually received the e-mail, or if they clicked the links. However, due to the nature of the technology, e-mail tracking cannot be considered an absolutely accurate indicator that a message was opened or read by the recipient.

    Most e-mail marketing software provides tracking features, some

    times in aggregate (e.g. click-through rate), and sometimes on an individual basis.

    Read-receipts

    Some e-mail applications, such as Microsoft Office Outlook, employ a read-receipt tracking mechanism. The sender selects the receipt request option prior to sending the message, and then upon sending, each recipient has the option of notifying the sender that the message was received and/or read by the recipient.

    However, requesting a receipt does not guarantee that you will get one, for several reasons. Very few e-mail applications or services support read receipts, and users can generally disable the functionality if they so wish. Those that do support it aren’t necessarily compatible with or capable of recognizing requests from a different e-mail service or application. Generally read receipts are only useful within an organization where all employees/members are using the same email service and application.

    Depending on the recipient’s mail client and settings, they may be forced to click a notification button before they can move on with their work. Even though it is an opt-in process, a recipient may consider it inconvenient, discourteous, or invasive.

    Read receipts are sent back to your Inbox as e-mail messages. Additional technical information, such as who it is from, the e-mail software they use, and the IP addresses of the sender and their e-mail server is available inside the Internet headers of the read receipt.

    The technical term for these is MDN – Message Disposition Notifications, and they are requested by inserting one or more of the following lines into the email headers: X-Confirm-Reading-To: Disposition-Notification-To: or Return-Receipt-To:

    Return-receipts

    Main article: Return receipt#E-mail

    Another kind of receipt can be requested, which is called a DSN (delivery status notification), which is a request to the recipients email server to send you a notification about the delivery of an email you’ve just sent. The notification takes the form of an email, and will tell you if your delivery succeeded, failed, got delayed, or will warn you if any email server involved was unable to give you a receipt. DSN’s are requested at the time of sending by the sending application or server software (not anyplace inside the email or headers itself), and you can request to “Never” get any, or to “Always” get one, or (which most software does by default) only to get DSN if delivery fails (i.e.: not for success, delay, or relay DSNs). These failure DSNs are normally referred to as a “Bounce”. Additionally, you can specify in your DSN request whether you want your receipt to contain a full copy of your original email, or just a summary of what happened. In the SMTP protocol, DSNs are requested at the end of the RCPT TO: command (e.g.: RCPT TO:<> NOTIFY=SUCCESS,DELAY) and the MAIL FROM: command (e.g.: MAIL FROM:<> RET=HDRS)

    E-mail marketing and tracking

    Some e-mail marketing tools include tracking as a feature. Such e-mail tracking is usually accomplished using standard web tracking devices known as cookies and web beacons. When you send a tracked e-mail message, if it’s a graphical HTML message (not a plain text message) the e-mail marketing system may embed a tiny, invisible tracking image (a single-pixel gif, sometimes called a web beacon) within the content of the message. When the recipient opens the message, the tracking image is referenced. When they click a link or open an attachment, another tracking code is activated. In each case a separate tracking event is recorded by the system. These response events accumulate over time in a database, enabled the e-mail marketing software to report metrics such as open-rate and click-through rates. E-mail marketing users can view reports on both aggregate response statistics and individual response over time.

    http://www.telecomnewsindia.com/2011/03/cant-track-blackberry-gmail-dot.html

    Our StreamSend Email Marketing software includes programs that provide email tracking, email reporting and email monitoring.  Now, with our email reporting program, you can see the results of your online marketing campaigns in real-time. Plus, with email tracking, you can monitor email delivery to intended recipients, to make sure that all your email marketing campaign materials have been delivered according to your specifications. Utilizing the latest in email tracking technology, our software features a digital time-stamp to reveal exactly when your email was received and opened. In addition, you can track and flag invalid email addresses automatically.

    You can strategically review all your email marketing campaigns with the help of our email reporting program. So simple, it allows you to track click-through performance in terms of the total number of clicks and click-throughs for all the links within your email. You can even select up to five campaigns to compare, and then monitor their progress over time. Plus, our domain tracking features allow you to view the statistics on the top 100 domains on your mailing list.

    Email monitoring

    With our email monitoring services, you can customize your email marketing campaign to increase its potential for success. Track your click-to-conversion results, analyze your return on investment, and get easy integration with Google Analytics. By reviewing the email tracking and reporting data available through Google Analytics, you can prepare better, more targeted email advertisements, strengthen marketing initiatives and increase your conversion click-through ratio.

    For more information on our email marketing software that includes email tracking, reporting and monitoring, contact us at 877-439-4078, ext. 1.For free Download Clock Link below:

    http://www.streamsend.com/email-tracking-reporting.htm