#best health insurance policies in kolkata
Text
Unveiling Kolkata’s Top Health Insurance Policies: Your Path to Comprehensive Coverage
In today's uncertain times, safeguarding one's health is of paramount importance. With medical expenses skyrocketing, having a robust health insurance policy is no longer a luxury but a necessity. Kolkata, the cultural capital of India, boasts a plethora of health insurance options catering to diverse needs and budgets. However, navigating through the maze of policies can be overwhelming. Fear not, as we embark on a journey to uncover the best health insurance policies in Kolkata, ensuring comprehensive coverage without breaking the bank.
Understanding the Basics
Before delving into the specifics, it's crucial to grasp the fundamental aspects of health insurance. A health insurance policy acts as a financial safety net, covering medical expenses incurred due to illness, accidents, or other health-related issues. These policies come with varying coverage options, premium amounts, and benefits. In Kolkata, insurers offer a wide array of plans tailored to individual requirements.
Key Considerations
When choosing a health insurance policy, several factors come into play:
Coverage: Assess the extent of coverage offered by the policy, including hospitalization expenses, pre and post-hospitalization care, ambulance charges, and more.
Network Hospitals: Check the list of network hospitals affiliated with the insurer to ensure easy access to quality healthcare services.
Claim Process: A hassle-free claim settlement process is imperative. Look for insurers with a reputation for seamless claim settlements.
Premiums: While affordability is crucial, it's essential to strike a balance between premiums and coverage to avoid compromising on benefits.
Additional Benefits: Some policies offer add-on benefits such as maternity coverage, critical illness coverage, and domiciliary hospitalization. Evaluate these extras based on your specific needs.
Top Health Insurance Policies in Kolkata
Apollo Munich Optima Restore Health Insurance: Renowned for its comprehensive coverage and innovative features, this policy offers benefits such as restore benefit, multiplier benefit, and no-claim bonus. With a wide network of hospitals and quick claim settlements, it's a popular choice among Kolkata residents.
ICICI Lombard Complete Health Insurance: This policy provides extensive coverage for medical expenses, including daycare procedures and organ donor expenses. With cashless hospitalization and a user-friendly claim process, it's a preferred option for individuals and families alike.
Star Health Comprehensive Insurance: With customizable plans catering to diverse needs, Star Health Insurance offers extensive coverage for hospitalization, pre and post-hospitalization expenses, and alternative treatments. Its wide network of hospitals ensures quality healthcare services across Kolkata.
Religare Health Insurance Care: Known for its customer-centric approach and hassle-free claim settlements, Religare Health Insurance Care provides comprehensive coverage with benefits such as annual health check-ups, no-claim bonus, and lifelong renewability. It's a reliable choice for those seeking holistic healthcare coverage.
New India Assurance Mediclaim Policy: Backed by the trust of one of India's oldest insurance companies, this policy offers comprehensive coverage at competitive premiums. With a vast network of hospitals and prompt claim settlements, it's a popular choice among Kolkata's residents.
Conclusion
In the labyrinth of health insurance policies, finding the perfect fit can be daunting. However, armed with the right knowledge and guidance, you can navigate through the options with ease. Whether you prioritize comprehensive coverage, affordability, or additional benefits, there's a health insurance policy in Kolkata tailored to your needs. Remember to assess your requirements, compare policies, and choose wisely to safeguard your health and financial well-being. After all, when it comes to health insurance, peace of mind is the best policy.
0 notes
Text
Need Money for a Medical Emergency? Sell Old Gold for Financial Peace
After the pandemic, medical expenses in any part of the world have drastically risen. That means if you live in Kolkata, despite having your medical insurance policies and emergency fund, you might experience financial hurdles during hospitalisation and diagnosis.
The increasing medicinal and treatment prices might take a toll on your life unless and until you are fully prepared. However, there are certain times when medical emergencies do not come with a prior warning. That's where you start to worry. For individuals who struggle to meet the end of the month, an unforeseen medical expense might be financially draining.
In such a scenario, the only way to raise funds is to apply for a personal loan or, if you are lucky, find scrap gold jewellery inside your wardrobe. If you have scrap or old gold jewellery, financially meeting medical emergencies becomes easier.
Utilising Unwanted Old Gold Ornaments for the Good – Using them for Medical Emergencies
Experiencing a financially burdensome medical emergency might be stressful, especially for those who don't have enough emergency funds or medical policies. Soon after you know your loved one is in poor health, the emotional toll that you experience can hamper other things in your life.
In such times, applying for a personal loan might be taxing since it comes with high debts. During these moments, you must focus on what truly matters – recovery. So, if you need instant cash to cover healthcare expenses, selling your unwanted gold ornaments at the best rates might be a good idea. You can sell gold for cash online by researching the right gold-buying company.
Understanding How Beneficial It Is to Sell Gold during Medical Emergencies
Consider applying for a gold loan. However, if your scrap old gold is not hallmarked, the lender may not approve your gold loan. On the other hand, you can sell gold that offers rewarding benefits during medical emergencies. Let's find out the top benefits of selling gold:
An Instant Access to Cash
Selling your old gold is an excellent way to raise money. So, instead of borrowing money from your near and dear ones during a medical emergency, you can sell your old gold ornaments at the best rates.
No Interest or Credit Checks
The best part of selling gold is that it does not include any credit checks. Also, it does not accrue interest, unlike traditional loans.
Sustainability
The next benefit of reselling gold is sustainability. Recycling gold reduces the need for new mining operations. This might have a great impact on Mother Earth.
Tips and Tweaks of Selling Gold – Steps to Follow
The value that your old gold ornaments give during medical emergencies is ineffable. So, whether you have broken, non-hallmarked, or unwanted gold ornaments in your jewellery box, now is the right time to use them wisely. The substantial amount of money you get after selling the jewellery is worth the decision because it helps a patient recover faster.
Notably, selling your old gold is straightforward. All you need is to find a genuine gold-buying company. The following steps will help you proceed seamlessly:
Collect Your Items
You must collect the gold item, whether it is a gold coin or jewellery.
Conducting Testing at Home
It is worth conducting an at-home test. The following are the types of tests you can perform at home to check the purity of gold:
·Magnetic test using a magnet to assess the magnetic properties of the metal
·Ceramic plate scratch test where a ceramic plate is rubbed, where pure gold will leave a gold-coloured streak
·Acid testing where higher karats will exhibit less reactivity and lower karats produce noticeable reactions
One can also conduct nitric acid testing where genuine gold remains unaffected while lower-karat jewellery will react and change its colour.
Find a Reputed Gold-Buying Company
The next step involves finding a gold-buying company near your area. You must look for an established store that dedicates its services to gold buying in the safest manner. Do not forget to gather paper documents to make your purchase. Before selling, ensure you learn the details mentioned in the receipt. Some details include:
Your name and address
Gold's purity grade
Carat weight and date of sale
The amount paid and more
Following the above steps, you can sell gold for cash in Kolkata at the best rates.
Wrapping up
For ages, gold has been an aesthetically pleasing and valuable item used for gifting loved ones during special occasions like weddings, birthdays, and anniversaries. In a land like India, purchasing gold is an asset. From individuals to investors, everyone invests in gold for better returns. After all, gold has an aristocratic appeal that attracts people's attention.
As the gold prices are increasing day by day, chances are good that you will get rewarding rates by reselling your gold ornaments. If it's a hallmarked item, you can get better rates. Find a top-notch gold-buying company in Kolkata that offers excellent rates on gold ornaments based on their purity, weight, and other parameters.
0 notes
Text
A Millennial’s Guide to Buying Life Insurance: Securing Your Future with Ginteja
Life insurance is often viewed as a financial safety net, providing peace of mind and protection for loved ones in the event of the unexpected. For millennials, who are navigating various life stages and financial responsibilities, understanding the importance of life insurance is crucial. In this guide, we'll explore why millennials should consider purchasing life insurance, how to find the best life insurance advisor in Kolkata, and why Ginteja Insurance stands out as a reliable option in the bustling city.
Why Millennials Should Invest in Life Insurance:
Millennials are often characterized by their tech-savviness, adventurous spirit, and focus on experiences over possessions. However, when it comes to financial planning, life insurance is frequently overlooked. Here's why millennials should prioritize securing life insurance:
Financial Protection: Life insurance provides a financial cushion for loved ones in the event of the policyholder's death. This can help cover expenses such as funeral costs, outstanding debts, mortgage payments, and everyday living expenses.
Locking in Low Premiums: Life insurance premiums typically increase with age and declining health. By purchasing a policy at a younger age, millennials can lock in lower premiums, potentially saving thousands of rupees over the life of the policy.
Planning for the Future: Life insurance isn't just about protecting loved ones—it can also be a valuable tool for long-term financial planning. Certain policies, such as whole life or universal life insurance, offer cash value accumulation and investment opportunities, providing a source of funds for future needs like buying a home or funding retirement.
What Kind of Life Insurance Should You Buy?
Term Plan: A term plan is a pure insurance product designed to provide financial security in the event of an untimely death. It offers the highest sum assured at the lowest cost, making it an attractive option for millennials seeking straightforward coverage.
Unit Linked Insurance Plan (ULIP): Combining insurance with investment opportunities, ULIPs allow policyholders to invest money according to their risk capacity. With a long-term investment horizon of over 10 years, ULIPs offer both protection and growth potential.
Endowment Plan: An endowment plan blends insurance with savings, offering a life cover along with the opportunity to accumulate savings over time. It's a traditional insurance product ideal for millennials looking to start saving while ensuring financial protection.
Child’s Plan: Tailored for long-term financial goals such as a child’s education or marriage, child plans are essential for millennials planning to start a family. These plans provide security and financial support for your child's future needs.
Money Back Plan: Offering periodic returns along with insurance coverage, money-back plans are designed to meet short-term financial goals. They provide returns as a percentage of the sum assured at regular intervals, offering flexibility and liquidity.
How to Choose the Right Policy:
To choose the right type of life insurance as a millennial, it's essential to assess your short-term and long-term financial goals. Consider factors such as your current financial situation, future aspirations, and risk tolerance. Here are some steps to help you make an informed decision:
Evaluate Your Needs: Determine the coverage amount you need based on your financial obligations, such as outstanding debts, mortgage payments, and future expenses like education or retirement.
Research Online: Utilize online resources to research the best life insurance advisor in Kolkata. Look for advisors with positive reviews, relevant experience, and a strong reputation in the industry. Websites, forums, and social media platforms can be valuable sources of information.
Seek Expert Advice: Consulting with the best life insurance advisor in Kolkata can provide valuable insights and guidance tailored to your specific needs. A knowledgeable advisor can help you navigate the complexities of life insurance and make informed decisions.
Consider Buying Online: Take advantage of the convenience and accessibility of online platforms to buy life insurance online. Many reputable insurers offer online purchase options, allowing you to compare policies, calculate premiums, and complete the application process from the comfort of your home.
Apply for the Best Life Insurance in Kolkata with Ginteja :
When it comes to securing the best life insurance policy in Kolkata, Ginteja emerges as a top choice for millennials. Here's why:
Tailored Solutions: Ginteja understands that millennials have unique financial needs and priorities. They offer a range of customizable life insurance policies designed to suit different lifestyles, budgets, and future goals.
Expert Guidance: Ginteja boasts a team of experienced and knowledgeable advisors who are dedicated to helping millennials navigate the complexities of life insurance. Whether you're a first-time buyer or looking to upgrade your existing policy, their advisors are committed to providing personalized guidance every step of the way.
Customer-Centric Approach: At Ginteja, customer satisfaction is paramount. They prioritize transparency, integrity, and responsiveness, ensuring that millennials feel empowered and informed throughout the insurance buying process.
Conclusion:
Life insurance may not be a top priority for many millennials, but it's an essential component of a comprehensive financial plan. By understanding the benefits of life insurance, finding the best advisor in Kolkata, and choosing a trusted provider like Ginteja Insurance, millennials can safeguard their financial future and protect their loved ones against life's uncertainties. Whether you opt for a term plan, ULIP, endowment plan, child’s plan, or money-back plan, buying life insurance online offers convenience and peace of mind for millennials planning for their future.
0 notes
Text
Securing Your Well-Being: Why Health Insurance is Essential for Every Individual
Introduction: In today’s fast-paced world, where uncertainties abound, health insurance stands as a vital safeguard, offering financial protection and peace of mind against unforeseen medical expenses. However, the importance of health insurance extends beyond mere financial security. In this blog, we delve into the reasons why health insurance is a necessity for every individual, while also exploring options like the best health insurance company in India and the best Mediclaim policy in Kolkata.
Financial Protection: One of the primary reasons why health insurance is essential is financial protection. Medical emergencies and healthcare expenses can be exorbitant, often leading to a significant financial burden on individuals and their families. Health insurance provides a safety net, covering hospitalization costs, surgeries, medications, and other medical expenses, thereby ensuring that individuals can access quality healthcare without worrying about the financial implications.
Access to Quality Healthcare: Health insurance empowers individuals to access timely and quality healthcare services without any delay. With a health insurance policy in place, individuals can seek treatment at reputed hospitals and healthcare facilities, ensuring that they receive the best possible care without compromising on quality or affordability.
Preventive Care and Wellness Programs: Many health insurance policies offer coverage for preventive care and wellness programs, encouraging individuals to adopt a proactive approach to health management. From routine health check-ups and screenings to vaccination programs and wellness initiatives, health insurance promotes preventive care, helping individuals identify and address health issues at an early stage.
Peace of Mind: Health insurance provides individuals with peace of mind, knowing that they are protected against unforeseen medical expenses and emergencies. This peace of mind extends not only to the policyholder but also to their loved ones, who can rest assured knowing that their health and well-being are safeguarded by comprehensive health insurance coverage.
Tax Benefits: Health insurance offers attractive tax benefits under Section 80D of the Income Tax Act, making it a smart financial investment. Policyholders can avail of tax deductions on premiums paid towards health insurance for themselves, their spouse, children, and parents, thereby reducing their taxable income and maximizing savings.
Exploring Options: Best Health Insurance Company in India and Best Mediclaim Policy in Kolkata When it comes to choosing the best health insurance company in India and the best Mediclaim policy in Kolkata, several factors come into play:
Reputation and Reliability: Look for health insurance companies with a strong reputation for reliability, prompt claim settlement, and excellent customer service. Research customer reviews, claim settlement ratios, and industry rankings to identify the best health insurance company in India.
Coverage and Benefits: Evaluate the coverage options and benefits offered by different health insurance policies. Look for comprehensive coverage, including hospitalization expenses, pre and post-hospitalization costs, ambulance charges, and critical illness coverage.
Network Hospitals: Consider the network of hospitals and healthcare providers associated with the health insurance company. Opt for policies that offer a wide network of hospitals in Kolkata, ensuring easy access to quality healthcare services without any hassle.
Affordability and Premiums: Compare the premiums and affordability of different health insurance policies. Choose a policy that offers comprehensive coverage at competitive rates, ensuring value for money and long-term financial security.
Conclusion: In today’s uncertain world, health insurance is not just a financial product but a crucial necessity for every individual. From providing financial protection and access to quality healthcare to promoting preventive care and offering peace of mind, health insurance plays a pivotal role in safeguarding the health and well-being of individuals and their families. By choosing the best health insurance company in India and the best Mediclaim policy in Kolkata, individuals can ensure comprehensive coverage and financial security, paving the way for a healthier and more secure future.
#health insurance companies#health insurance online#health insurance plans#family health insurance#health insurance#health care
0 notes
Text
HOW CAN I GO TO BHUTAN FROM BANGALORE ?
Embarking on a journey from the vibrant city of Bangalore to the enchanting kingdom of Bhutan promises a unique and culturally rich experience. Nestled in the eastern Himalayas, Bhutan is renowned for its pristine landscapes, ancient monasteries, and a commitment to Gross National Happiness. Traveling from Bangalore to Bhutan involves a combination of flights and ground transportation, along with the necessary permits and careful planning. In this comprehensive guide, we'll explore the steps to undertake this memorable journey.
Flight to Paro International Airport:
The first step in your Bhutan tour package from Bangalore is to book a flight to Paro International Airport, the sole international airport in Bhutan. However, there are no direct flights from Bangalore to Paro. Instead, travelers usually take connecting flights through major Indian cities like Delhi, Kolkata, or Bagdogra.
Choose a flight from Kempegowda International Airport (BLR) to a connecting airport, ensuring that there is enough time for the layover and any potential delays.
Connecting Flights:
Several airlines operate flights to Paro, including Druk Air, Bhutan's national carrier, as well as international carriers like Air India. Research and book flights well in advance to secure the best options.
Be aware of layovers and plan accordingly. The journey to Paro often involves a layover in an Indian city or another regional hub.
Visa and Permits:
Bhutan has a unique entry policy that mandates tourists to book their trip through authorized travel agencies. These agencies assist in obtaining the necessary visa and permits for your visit.
Ensure that you start the visa and permit application process well in advance of your planned travel dates. The travel agency will guide you through the required documentation.
Travel Restrictions and COVID-19 Protocols:
Given the evolving nature of travel conditions, check for any travel restrictions or COVID-19 protocols in place. Stay updated on entry requirements, quarantine rules, and health protocols issued by both Indian and Bhutanese authorities.
Ground Transportation in Bhutan:
Upon arrival at Paro International Airport, the next leg of your journey involves ground transportation within Bhutan. Taxis and pre-arranged transfers are available to take you to your destination.
Bhutan's road network offers breathtaking views of the Himalayas. Consider enjoying some parts of your journey by road to experience the scenic beauty and local culture.
Travel Agency Assistance:
Collaborate with a Bhutanese travel agency for a seamless experience. These agencies not only assist with permits and visas but also help plan your itinerary, arrange transportation, and provide insights into Bhutanese culture.
Bhutan's tourism is regulated, and visitors are required to book a package tour through an authorized agency. This ensures that tourism is sustainable and aligns with Bhutan's commitment to preserving its cultural and natural heritage.
Altitude Considerations:
Bhutan encompasses a range of altitudes, and it's crucial to acclimatize gradually to avoid altitude sickness. Begin your journey in lower-altitude destinations like Paro before heading to higher-altitude places such as Thimphu or Punakha.
Stay hydrated, avoid strenuous activities in the initial days, and allow your body to adjust to the altitude changes.
Travel Insurance:
Consider purchasing comprehensive travel insurance that covers potential emergencies, cancellations, and medical expenses during your trip. Confirm that the insurance policy includes coverage for high-altitude destinations.
Bhutan package tour from Bangalore is a captivating adventure filled with cultural richness and natural beauty. From the vibrant city life of Bangalore to the serene landscapes of Bhutan, this trip offers a seamless blend of modernity and tradition. Remember to plan ahead, collaborate with a reputable travel agency, and immerse yourself in the unique charm of the Land of the Thunder Dragon. Whether exploring ancient monasteries, hiking through pristine valleys, or experiencing Bhutanese hospitality, your journey from Bangalore to Bhutan is bound to be an unforgettable odyssey.
#tourism#travel#trip#bhutan tour from bangalore#bhutan trip from bangalore#bhutan package from bangalore#bangalore to bhutan tour
0 notes
Text
A Bachelor of Business Administration (BBA) in Hospital Management is a specialized program designed to train individuals in the business aspects of healthcare. This three-year undergraduate course focuses on management principles tailored for healthcare institutions. It covers healthcare administration, finance, operations, ethics, and strategic planning. Students gain insights into healthcare policies, patient care, quality management, and healthcare information systems. BBA in Hospital Management combines business acumen with healthcare expertise, preparing graduates for careers as healthcare administrators, hospital managers, or in pharmaceutical companies, health insurance firms, and healthcare consulting, contributing to the efficient and ethical functioning of healthcare organizations.
0 notes
Text
Borzo brings medical insurance for over 50,000 Delivery partners; joins hands with Symbo
The partnership will benefit more than 50,000 gig delivery partners in Borzo’s fleet and facilitate Borzo’s vision to provide health benefits and enrich each partner’s life.
Mumbai, February 21st: Borzo (erstwhile WeFast), a global intra- city courier delivery service, has partnered with Symbo India Insurance Broking to provide medical insurance benefits to all its delivery partners. The partnership will benefit more than 50,000 gig delivery partners in Borzo’s fleet and facilitate Borzo’s vision to provide health benefits and enrich each partner’s life. Borzo’s delivery partners in 14 Indian cities namely Mumbai, Delhi/NCR, Bengaluru, Hyderabad, Ahmedabad, Chennai, Kolkata, Pune, Surat, Jaipur, Goa, Indore, Bhopal, and Chandigarh will benefit from this initiative.
Borzo’s gig delivery partners will have easy access to Symbo powered comprehensive health insurance plans, which are aimed at well-being and financial security with affordable products such as medical insurance of up to Rs 2 lakh starting at an affordable premium of Rs 19 per month. This partnership will also enable Symbo to expand its B2B footprint and reach out to a growing network of gig delivery workers, estimated to be around 7.7 million and increase to 23.5 million by 2029-30.
Companies will engage in information sharing to understand the adoption patterns of gig delivery partners and create health insurance policies that are best suited for the segment. The delivery partners can avail medical insurance policy by simply providing their Borzo ID and Symbo will identify the lowest minimum premium option for the delivery partner. The companies are also exploring in-app integration of the insurance services for faster, seamless and paper-less processes.
Speaking on the new association, Saurabh Parmar, Head of Operations, Borzo, India, said, “Large number of Gig Delivery partners are not aware of health- policies and also have limited access to health-funds. Hence, we have taken the initiative to partner with Symbo and facilitate health-insurance benefits for all the current and future partners on our platform. This alliance is a significant value proposition for us towards one of our very important stakeholders which will allow us to help them with need-based and cost-effective health cover. Our initiatives have always been driven by the aim of creating a secure work-environment for thousands of partners and impacting their life positively. Hence, we are doing what we ought to do, looking after them.”
Source: https://health.economictimes.indiatimes.com/news/industry/borzo-brings-medical-insurance-for-over-50000-delivery-partners-joins-hands-with-symbo/98138040
Website: https://borzodelivery.com/in
0 notes
Text
A woman who made my life
This was in 1998. I had just changed my job and was now heading the Regional Office of one of the leading Share Registrar firms of India. And as an eligible bachelor, my parents started looking for a bride for me. And then came 27th December 1998. I visited the house of my wife, Shanta (of course, I did not know then that I was meeting the most important person of my life). Well the first day of our meeting wasn't so inspiring. However my sister and parents were thoroughly impressed with Shanta and the entire Saha household. My sister and my mother cajoled me to meet Shanta for the second time. So on 1st January, 1999, we met again at the Saturday Club. And something happened that day (and that something happens still today after 21years of marriage), and I agreed to the proposal.
Today in this story I am not going to share about our romance, but how Shanta managed my life and how she became a towering figure in making me what I am today. I wanted to reflect through this story, the proverb – Behind every successful man, there is a woman. I will not call myself successful, but whatever I have achieved till today, she played the role in getting the best out of me.
One of the most difficult times after my marriage was when I was going through the ordeal of Disc Prolapse that I had suffered. I used to suffer from tremendous pain and was in bed for more than 5 months. I even had to go through a Spinal Cord surgery. And when I say that I had to lie in bed, it means that I used to be writhing in pain. Pain killer injections had to be given often. Initially a compounder used to give the injection, but soon Shan (as I fondly call her), learnt how to inject and she used to give the injection whenever I was in pain. Those times saw me, mostly in hospitals. My life revolved around ambulances and hospitals. My parents and my in laws were very worried about my state of affairs. My father has always been a strong man but one day I could also see drops of tears in his eyes. But the only person who stood strong and always had a smile on her face was Shan. Whenever I used to feel better, I used to ask her about how she felt about this entire thing and whether she felt I would be able to overcome this trauma. And her answer was always "Yes". She used her favourite word and this word has acted as a tonic in my life, it has given me courage when I have lost hope and the word is "Faith". I couldn't understand what Faith meant, but it was she who made me understand not only the literal meaning but the practical meaning of faith. She was like a friend and philosopher during these difficult days of my life. Then with her faith in God and with the help of the prayers of everyone around me, I got well in around 5 months.
The next very important decision in my life was that I gave up my job as well as my profession of that of a Company Secretary and started business in 2004. My father vehemently objected to this decision. He had always been a service holder and couldn't ever think that his son would leave a job and start his business. For him business was fraught with risks and it was not meant for middle class families like us. But the person who stood beside me in this decision was Shan. She gave me the courage to move on. She herself belonged to a business family. She had the exposure of doing business. She used to work in her father's business and had quite a bit of exposure of the same. She was going to be my guide in my new life.
I had applied for the licence of one of the leading International Language Schools in the world. I wanted to get the Licence for Kolkata. And I had sent this application while I was in bed during my disc prolapse days. Now the interview date had come and the interview was supposed to happen in Delhi. So I and Shan flew to Delhi early in the morning of the interview. I had terrible pain but now that she was with me, I felt that I would be able to overcome all the obstacles that came my way. The interview went off well and we came back to Kolkata the same evening. And after a few days, I got to know that I was selected as the Licensee of the International Language School for the territory of Kolkata. Then the actual work started. We had to organise a lot of funds for this start up. We did not get investors. I took some money from my father, some bit from the savings that we had and the rest was through loans. Shan took up the responsibility of organising all the loans. We took personal loans, loans from our credit cards, loans from our Insurance Policies, to mobilise all the money that was needed to start the venture. Without her, it wouldn't have been possible to start this in a big way.
The business went on, but then a time came in 2010 when we were suffering from huge cash losses. It was becoming very difficult to run the business. It was becoming very difficult to even pay our fixed expenses such as rents, the fixed salaries and most importantly the EMIs of all the loans that we had taken. We were defaulting and it was very difficult to handle these banks. When the waters had risen over my head, it was Shan who came in as a saviour. She started meeting the banks and talking to them. On many occasions she had to face humiliation but then she never let me face the heat. She took it all on herself and took me out of the mess.
Some other wife might have told her husband, "Enough of this, no more doing business, now get back to your profession." This was not the case with Shan. She never discouraged me, rather she always acted as a great Motivator in my life. We shifted from the big office to a much smaller office at a much lesser rent. The manpower was drastically reduced and with a small team we started all over again. And this was only possible due to her inspiration.
In the meantime, changes were happening in the home front. We got our daughter in 2007 and then in 2008, we started staying separately from our parents. I remember when we shifted to our new house, Shan did not have the experience of handling a family on her own. But her intelligence, wit and courage saw us through it. Very soon we settled into our new home. I still remember the excitement that she had when she was building her home. She was a fine architect who could carve out her home with her heart and mind. When this shift happened, I was going through the difficult times of dealing with the bank loans. On one hand Shan dealt with the banks, on the other hand she was carving out our new home. It was her faith that made her build her home, her family and our lives.
In the meanwhile just after my disc prolapse problem, I had been detected with Diabetes. This was again a very difficult phase of my life. It meant complete lifestyle modifications. And what does lifestyle modification mean? It means changing of food habits and following a discipline where physical exercises such as walking was imperative. And of course medication also played a very big part. When one of the leading diabetologist of Kolkata advised me that I had to go on Insulin, it was a big disappointment for the entire family. I was 35 years of age and it was very difficult for me to accept the fact that I would have to take insulin injections four times a day for the rest of my life. The dieticians advised that there was restriction on using of oil while cooking. Shan wasn't too much into cooking. Most of the time we use to have domestic helps who used to cook in her house. Shan had her strict eye that not more than one tea spoon of oil was used in one curry. She knew that I loved to eat and she tried her best to serve me with delicious food staying within the limitations as set by the dietician. I remember once the cook had put in more oil in the pan and it came to her notice. She was very angry on the cook and showed her the insulin needle and explained how painful it was to take the pricks. She started maintaining a log book. This log book contained the readings of my blood sugar readings on the glucometer on a weekly basis, my physical workouts like walking on a daily basis (what this meant was that the days I walked, there would be a tick and the days I didn't walk there would be no ticks) and how many days in a week I was eating out. She became my Mentor and Coach to control the diabetes problem of my life. My diabetologist has often praised me about the way I have controlled my diabetes and has also referred to me as his " Model Patient." Believe me, I am not the one who should be getting this honour but it is my Coach who deserves all the appreciation. If she wouldn't have been around, I would have been more relaxed and my blood sugar control wouldn't have been as efficient as it is now. Shan makes sure that all my yearly health check-ups are done on time and my yearly meet with the diabetologist is never missed.
In the year 2007, I was invited by Kolkata Traffic Police to take up Motivational Sessions for Kolkata Police. Initially I was hesitant, but then Shan gave me the courage to take up this new assignment. She used to go with me to such classes and then when we were back she used to advice me on how I could improve upon my talks. I remember a word she used to often tell me and that was "Structured". She wanted that I should have a proper structure and the entire thing shouldn't just be extempore talk. Gradually I became a professional Motivational Speaker and people who have attended my programs have been awed by it. Initially before performing in any program, I used to do a rehearsal program with Shan, and only when she gave the go ahead signal, that's when I felt ready to deliver. She had a huge role, like a director of a movie in the creation of all my talks. Today that I have done quite a number of talks, we don't do such rehearsals, but even today her words of inspiration before any program helps me to control the butterfly in my stomach.
I normally keep very busy with my work. I travel quite a lot for my work. But I am at peace when I am at work. Shan takes the entire responsibility of the well being of our daughter and my parents. She is extremely patient when it comes to dealing with my parents. Maybe sometimes, I lose my patience, but she is empathetic and compassionate towards them. On this day I can say that my parents rely more on her than on me. Our daughter Roshan is growing to be a beautiful young lady. It is her mother, who again plays a great role in evolving Roshan into what she is. Shan is a very strict person when it comes to discipline. This holds true for all of us, me, Roshan as well as herself. Roshan does complain, but Shan gives a deaf ear to her. And I think that is what has made Roshan excel in sports, in her studies and she is an extremely good cook at a very young age.
Shan is extremely keen that my talents as a Speaker and an Author doesn't go waste. It was with her initiative, that my book "The Verses of Life" got published. She is the editor of all my work. All my stories, poems and blogs are edited by her. It is only once she clears, that the matter is set up for publishing. Today she is actively working on social media marketing with her team so that all my videos on Youtube are made popular and all my writings are published in the right platform for people to read and enjoy. May be a day will come when the whole world will know my accomplishments, but this story is for the world to know that a man can never accomplish unless he has a wife who can act as a Friend, Philosopher, Guide, Mentor, Coach, Saviour, Motivator and a Director of that man.
Shan has been the most powerful influencer who has played the biggest role to change my life.
1 note
·
View note
Text
BBA in Hospital Management in Kolkata, Hospital Management Course in Kolkata, Best Hospital Management Course in Kolkata, Hospital Management College in West Bengal
Are you wondering about the leading factors to research healthcare administration? This prestigious management setting helps health care centers run properly, which boosts neighborhood health. With a job in health care management, you could help give health and wellness solutions to those who require them most.
# 1: Provide a Frantically Needed Service
According to the Bureau of Labor Statistics (BLS), healthcare managers are in charge of preparation, directing and collaborating health and wellness and also clinical services. This can consist of supervising a details division, such as patient services, a facility, such as a medical facility, a private medical method or area health and wellness network, or a group of doctors.
As the need for health care services raises, so does the need for a person who can keep those everyday solutions running efficiently. This might suggest making sure there suffices team, that physicians as well as registered nurses take care of clients successfully and that all federal as well as neighborhood legislations are fulfilled.
If you want to study BBA in Hospital Management in Kolkata or Hospital Management Course in Kolkata then visit Nopany Institute of Management Sciences http://nims.ac.in/ which offers the Best Hospital Management Course in Kolkata and the best Hospital Management College in West Bengal
# 2: Great Wage as well as Perks
Among the most enticing elements of a task in healthcare is the salary. Since May 2015, health care managers gained a mean annual wage of $94,500, according to the BLS.
In a healthcare setup, wage isn't the only perk. Wellness, oral and eye insurance is amongst the most effective in the country. Retirement packages and stock choices are additionally offered, leading to extra sources of income, later. The majority of healthcare settings likewise provide excellent life insurance policy alternatives. Don't fail to remember holiday time, on top of unwell days and also personal days. There's additionally the possibility of a sign-on bonus offer.
# 3: Development and Opportunities
As the baby-boomers age as well as retire and even more individuals stay active, however the high levels of obesity and other conditions increase, so does the demand for healthcare professionals, consisting of supervisors. According to the BLS, roughly 330,000 people were used in healthcare management which number is expected to boost by 17% between 2014 as well as 2024.
This can cause working in retirement home, healthcare facilities, or medical professional's offices, but it could additionally indicate servicing a federal level, executing reform or altering health care regulations, guidelines, as well as regulations. As technology advancements, even more factors to research health care management will enfold, consisting of being at the leading edge for launching and executing brand-new technology and also solutions.
# 4: The Educational Needs
To start working in the field of health care monitoring, just a bachelor's level is required. In addition, teaching fellowships or experience working in a health care center might be expected or necessary. Usually, bachelor's degree classes might consist of advertising and marketing, nursing administration, individual services and human resources.
For some, a master's level in healthcare administration might be the very best option because of the added chances that arise, consisting of study settings as well as higher-level task options. A master's level likewise normally causes a higher wage.
# 5: The Work Environment
Many health care supervisors operate in a workplace as well as maintain regular hours. They get to engage with a wide range of individuals and also choose that maintain healthcare centers operating smoothly. They can even impact healthy adjustments in the neighborhood. For example, a well-run health center can result in even more healthcare centers, consisting of mental health and wellness facilities or small facilities, opening in the location. Work opportunities can consist of:
Assisted living home
Consulting companies
Insurance companies
Public health divisions
Excellent leaders as well as managers will continuously remain in need as well as the health care industry isn't going anywhere. These are just the leading 5 reasons to research health care management: check out and also you'll locate much more.
If you want to study BBA in Hospital Management in Kolkata or Hospital Management Course in Kolkata then visit Nopany Institute of Management Sciences http://nims.ac.in/ which offers the Best Hospital Management Course in Kolkata and the best Hospital Management College in West Bengal
1 note
·
View note
Text
Unveiling the Role of Insurance Brokers in Kolkata: Your Gateway to Comprehensive Coverage
In the bustling metropolis of Kolkata, navigating the complex landscape of insurance can be a daunting task. From health and life insurance to property and vehicle coverage, the myriad options available often leave individuals bewildered and uncertain about making the right choice. Enter insurance brokers — the unsung heroes of the insurance industry, bridging the gap between insurers and policyholders and guiding them towards optimal coverage tailored to their needs. In this comprehensive guide, we unravel the significance of insurance brokers in Kolkata and shed light on how they can empower you to make informed decisions and secure comprehensive insurance solutions.
Understanding Insurance Brokers
Insurance brokers serve as intermediaries between insurance companies and individuals or businesses seeking insurance coverage. Unlike insurance agents who represent specific insurers, brokers work independently and offer unbiased advice, drawing from a vast network of insurers to find policies that best match their clients’ requirements. Whether you’re a homeowner, a business owner, or an individual seeking personal insurance, brokers play a pivotal role in navigating the complex insurance landscape and securing tailored coverage solutions.
The Role of Insurance Brokers
Assessment of Needs: The journey with an insurance broker typically begins with a thorough assessment of your insurance needs and requirements. Brokers take the time to understand your unique circumstances, risk profile, and coverage preferences, allowing them to tailor insurance solutions that offer maximum protection and value.
Market Research and Analysis: Leveraging their extensive knowledge of the insurance market, brokers conduct in-depth research and analysis to identify policies that align with your needs and budget. They compare offerings from multiple insurers, evaluating factors such as coverage limits, deductibles, premiums, and additional benefits to ensure you make an informed decision.
Customized Recommendations: Based on their assessment and research, insurance brokers provide personalized recommendations tailored to your specific requirements. Whether you’re looking for health insurance, life insurance, property insurance, or any other type of coverage, brokers leverage their expertise to guide you towards policies that offer comprehensive protection and peace of mind.
Negotiation and Advocacy: Brokers act as advocates for their clients, negotiating with insurers on their behalf to secure favorable terms and conditions. Whether it’s negotiating premiums, adjusting coverage limits, or addressing claim-related issues, brokers leverage their industry knowledge and relationships to ensure you receive the best possible value from your insurance policy.
Policy Management and Support: Beyond the initial purchase, insurance brokers provide ongoing support and assistance throughout the life of your policy. From policy management and renewal reminders to claims assistance and coverage updates, brokers are committed to ensuring a seamless and hassle-free insurance experience for their clients.
Why Choose Insurance Brokers in Kolkata?
Local Expertise: Insurance brokers in Kolkata possess in-depth knowledge of the local insurance landscape, including regional regulations, market dynamics, and insurer preferences. Their local expertise allows them to offer insights and recommendations tailored to the unique needs and challenges faced by individuals and businesses in Kolkata.
Personalized Service: Unlike online insurance platforms or direct sales channels, insurance brokers offer personalized service and one-on-one consultations to understand your needs and preferences better. Their hands-on approach ensures that you receive tailored recommendations and dedicated support throughout the insurance process.
Access to Multiple Insurers: One of the key advantages of working with insurance brokers is access to a wide network of insurers. Brokers collaborate with multiple insurance companies, giving you access to a diverse range of policies and coverage options. This ensures that you have the flexibility to choose the right policy at competitive rates.
Expert Guidance and Advice: Insurance brokers bring a wealth of expertise and industry knowledge to the table, empowering you to make informed decisions about your insurance coverage. Whether you’re a first-time buyer or a seasoned policyholder, brokers provide guidance, advice, and recommendations to help you navigate the insurance landscape with confidence.
Claims Assistance: In the unfortunate event of a claim, insurance brokers act as your trusted advisors, guiding you through the claims process and advocating on your behalf to ensure a fair and expedited resolution. Their expertise in claims management helps alleviate stress and streamline the process, allowing you to focus on what matters most.
How to Choose the Right Insurance Broker
Credentials and Reputation: When selecting an insurance broker, it’s essential to consider their credentials, experience, and reputation in the industry. Look for brokers who are licensed, reputable, and have a track record of delivering exceptional service and value to their clients.
Range of Services: Assess the range of services offered by the broker, including consultation, policy recommendations, claims assistance, and ongoing support. Choose a broker who offers comprehensive services tailored to your needs and preferences.
Client Reviews and Testimonials: Take the time to read client reviews and testimonials to gauge the broker’s reputation and track record. Positive reviews and satisfied clients are indicative of a broker’s commitment to excellence and client satisfaction.
Transparency and Communication: Opt for a broker who prioritizes transparency, open communication, and client education. A transparent and communicative broker will keep you informed every step of the way and ensure that you understand your coverage options and responsibilities.
Compatibility and Trust: Lastly, choose a broker with whom you feel comfortable and trust. Building a strong rapport and relationship with your broker is essential for a successful partnership built on mutual respect, trust, and understanding.
Conclusion
In Kolkata’s dynamic and evolving insurance landscape, insurance brokers play a pivotal role in empowering individuals and businesses to make informed decisions and secure comprehensive coverage solutions. From personalized recommendations and expert guidance to claims assistance and ongoing support, brokers serve as trusted advisors, advocates, and partners throughout the insurance journey. By leveraging their expertise, local knowledge, and industry connections, insurance brokers in Kolkata ensure that you receive the best possible value and protection from your insurance policy. So, whether you’re a homeowner, a business owner, or an individual seeking personal insurance, partnering with a reputable insurance broker is your gateway to peace of mind and financial security in an unpredictable world.
0 notes
Text
Benefits of getting a BBA hospital management degree
India has a fast-expanding healthcare sector. The booming medical and healthcare institutions of the country require the help of skilled professionals. Healthcare is a highly specialized domain. Hence, there has been a growing demand for people who are well trained and with the right skills and expertise, especially those who are capable enough of bringing the best onto the table and contribute to the inclusive growth of the sector.
Now, the healthcare industry in this country covers everything, starting from hospitals, health insurance, clinical and pathology tests, medical equipment, pharmaceutics, and a host of other products and services associated with the treatment of patients. The healthcare sector in India has evolved into a billion-dollar industry over the years, making it appealing for graduates who have got a BBA degree in hospital management. If you are planning on establishing yourself in a prestigious career within the healthcare industry, your focus should be on enrolling yourself into one of the best management schools that can provide you with a BBA hospital management degree.
A leading management school in Kolkata can present you with a well-rounded course curriculum covering all the essential aspects of hospital management so that you have no trouble managing your future responsibilities. The course will introduce you to the basic and advanced concepts of hospital management. The curriculum will provide an insight into the current trends and practices related to healthcare solutions. You will also learn about the operation management practices followed in hospitals that help you take care of the diverse needs of the organisation. It will also include quality in health care, medical record science, health economics, inventory control & purchase management and epidemiology & analysis of health information data etc. Such subjects are crucial when it comes to hospital management.
The goal of the BBA hospital management course kolkata is to teach you the various aspects related to managing hospital duties and responsibilities. Smooth management of different departments within the hospital is possible only when there is a professional team capable of handling the various facets of such tasks. BBA hospital management is a crucial curriculum that provides a comprehensive understanding of today’s healthcare industry. While pursuing the course, you also learn everything about the hospital inventory and the administration aspects. You can develop a complete understanding of running the supply chain management so that everything inside the hospital runs smoothly. The latest BBA courses on hospital management incorporate the use of Information Technology, including different types of software applications that enable hospital staff and the patients to have a better way of interacting with one another.
A comprehensive course on BBA hospital management can help you learn about the strategies and working methods to deal with emergencies of different kinds. Such a course can also help you with various methodologies of disaster management and hospital hazard management. Once you complete the BBA hospital management course, you can find jobs in diverse roles like a hospital administrator, a pharmaceutical project manager, a policy analyst or a policy researcher, a medical entrepreneurship expert, or health services administrator or a manager. All of the above job positions offer plenty of growth opportunities.
0 notes
Text
Celebrate Pohela Boishakh with Peace of Mind: Choosing the Best Health Insurance Advisor
As families eagerly anticipate the festivities of Pohela Boishakh, ensuring the well-being of their loved ones takes precedence. Amidst the excitement and preparations for this joyous occasion, it's imperative to prioritize health and security. In this comprehensive guide, we delve into the importance of health insurance for families celebrating Pohela Boishakh, with a special focus on accessing the best health insurance plans online through Ginteja Insurance. Join us as we navigate through the essential aspects of health insurance, tailored to make your celebration not only joyful but also worry-free.
Why is a health insurance policy important?
Health insurance is indispensable for several reasons. Firstly, it ensures access to quality healthcare without worrying about exorbitant expenses. In the event of an illness or injury, having insurance can significantly alleviate financial stress and facilitate timely medical treatment. Moreover, with rising healthcare costs, having insurance is a proactive step towards protecting one's financial stability and sec
Factors to consider while deciding the health insurance plan
Coverage: Assess the coverage offered by the health insurance plan, including hospitalization, pre-existing conditions, and critical illnesses.
Premiums: Compare premiums across different insurance providers and ensure it fits your budget without compromising on coverage.
Network Hospitals: Check the list of network hospitals associated with the insurance company to ensure accessibility to quality healthcare services.
Claim Settlement Ratio: Evaluate the claim settlement ratio of the insurance provider to understand their reliability in settling claims.
Why choose Ginteja Insurance?
When it comes to selecting the best health insurance advisor in Kolkata and the most suitable health insurance plans online, Ginteja stands out for several reasons. Ginteja is renowned for its commitment to customer satisfaction and comprehensive coverage options tailored to diverse needs. Here's why Ginteja Insurance is the top choice:
Comprehensive Coverage: Ginteja offers a range of insurance plans designed to meet varying healthcare needs, ensuring comprehensive coverage for families.
Affordable Premiums: Ginteja understands the importance of affordability without compromising on coverage. Their plans are competitively priced, making them accessible to families across different financial backgrounds.
Easy Online Access: In today's digital age, convenience is paramount. Ginteja provides hassle-free online access to their insurance plans, allowing families to compare, purchase, and manage policies with ease.
Exceptional Customer Service: As the best health insurance advisor in Kolkata, Ginteja prioritizes customer satisfaction. Their team of experts is dedicated to guiding families through the insurance process, addressing queries, and providing personalized recommendations.
Conclusion:
As families unite to commemorate Pohela Boishakh, safeguarding their health must take precedence. Investing in a health insurance policy offers a sense of security, allowing families to immerse themselves in the festivities without worrying about unforeseen medical costs. With Ginteja Insurance, families in Kolkata can easily access the best health insurance plans online, tailored to their specific needs. This ensures a joyous and healthy celebration of Pohela Boishakh, where the focus remains on cherished moments and well-being, thanks to the reliability of Ginteja insurance.
0 notes
Text
Field Service Management Market 2020| Industry Size, Share, Demand, Manufacturers and Forecast Research 2030
The global Field Service Management market was valued at USD 3.1 billion by 2020, growing with 11.2% CAGR during the forecast period, 2021-2030. In the digital era, information technology and communications are two of the most essential issues. New services, businesses, and start-ups emerge, disrupting the market's existing order. ICT has a disruptive effect on company models and day-to-day work.Markets, businesses, and the government all need to adjust to these developments. Governments are putting in a lot of effort to adapt and embrace new technology in order to digitalize the globe in this way.The Information and Communications Technology (ICT) industry is a key facilitator of economic growth and a key driver of the global digital economy's future development. It brings together the digital ecosystem, which is a worldwide network of commercial and social activities that includes the Internet, mobile devices, and sensor networks.
Browse Full report on Global Network Forensics Market @ https://www.decisionforesight.com/reports/field-service-management-market
Market Dynamics and Factors:
As expenditure on old technology systems falls, essential platforms such as cloud, mobile, social and big data, and analytics will drive growth. Cloud-based technology and automation will drive a greater percentage of technology expenditure towards emerging capabilities like AI, robots, and augmented reality, fuelled in part by cost reductions.
Continuous modernisation and increased access to cloud-based services have fuelled the business industry's shift towards innovation and growth rather than cost reduction.The cloud has reached the mainstream market thanks to a surge in consumer demand for flexible pay-as-you-go models and major IT businesses integrating expensive cloud-based technologies with corporate systems.
As a result, high-end technologies like AI and IoT, which were previously only available to a select few major enterprises and creative startups, are now available to a wide spectrum of small, medium, and large businesses.The future of the IT sector will certainly be shaped by automation. By integrating robots and artificial intelligence (AI) into the workplace, automation has the potential to boost productivity. Employees will actually want to perform more positions and take utilization of human abilities with the guide of these innovations. Computerized methods and advanced partners might conceivably support laborer usefulness, bringing about huge macroeconomic benefits.
Download Sample Copy of the Report to understand the structure of the complete report (Including Full TOC, Table & Figures) @ https://www.decisionforesight.com/request-sample/DFS020071
Market Segmentation:
Based on by solution, the field service management market is distributed into billing & invoicing, inventory management, mobile field execution, reporting & dashboards, schedule and dispatch, tracking and performance management, and work order management. Based on by service, the market is categorized into consulting, implementation, and training & support. Based on by deployment type, the market is further classified into cloud and on premises. Based on user type, the market is divided into small & medium enterprises (SME) and large enterprises. Based on by vertical type the market is distributed into BFSI (banking, financial and services insurance) construction & real estate, energy & utilities, healthcare, manufacturing, telecom & IT, and transportation & logistics. By Geography the field service management market is divided into North America, Europe, Asia-Pacific, and RoW. On regional basis, global F&B market can be segmented into Asia Pacific, North America, Europe, and RoW.
Competitive Analysis:
Top players profiled in Field Service Management market research report are:
o Accenture
o Comarch SA
o ClickSoftware Technologies
o Infor
o Klugo Group
o SAP SE
o Astea International Inc.
o Trimble Navigation Limited
o Tech Mahindra Limited
Geographic Analysis:
In North Amerca, In terms of technological innovation, the United States leads the world. According to the World Economic Forum's 2018 Global Competitive Index, the country's competitive advantage is attributed to its economic dynamism, solid institutional foundations, finance systems, and active innovation environment. Since the post-World War II industrial revolution, innovation has been a hallmark of American competitiveness, fueling the country's worldwide supremacy.
Countries who are in the forefront of developing breakthrough technologies and utilising their digital economy' full productive capability might acquire a strategic competitive edge.With the aid of digital apps, digital services and produced data, as well as the underlying digital infrastructure, the Asia-Pacific area has the chance to demonstrate alternative methods to pandemic management and disaster recovery.
During the COVID-19 crisis, for example, the governments of the Republic of Korea and Singapore successfully used digital technology in novel ways to restrict the virus's transmission, aided by lessons learned from past crises and a well-designed enabling policy and regulatory framework.This can aid in the creation and execution of policies in the event of future crises.Global rivalry has risen as Eastern Europe's economy has opened up and Asian newly industrialising nations have advanced in the international market, particularly in the sector of labor-intensive items and medium-intensive technology. It is also critical for European Union nations and areas experiencing increased import competition and manufacturing relocation as a result of foreign direct investment inflows to strengthen their positions in sophisticated technology industries.
Consult with Analyst@ https://www.decisionforesight.com/speak-analyst/DFS020071
Buy This Premium Research Report@ https://www.decisionforesight.com/checkout/DFS020071
About Us:
Decision Foresight is a market research organization known for its reliable and genuine content, market estimation and the best analysis which is designed to deliver state-of-the-art quality syndicate reports to our customers. Apart from syndicate reports, you will find the best market insights, strategies that will help in taking better business decisions on subjects that may require you to develop and grow your business-like health, science, technology and many more. At Decision Foresight, we truly believe in disseminating the right piece of knowledge to a large section of the audience and cover the in-depth insights of market leaders across various verticals and horizontals.
Contact Us: 125, Beadon Street, Kolkata -700006
Phone: +919875577841
Email: [email protected]
For Latest Update Follow Us:
https://www.facebook.com/Decision-Foresight-110793387201935
https://twitter.com/DecisionFs
https://www.linkedin.com/company/decision-foresight/
0 notes
Text
LIC : Life Insurance Corporation Agent
LIC : Life Insurance Corporation Agent - How to Find One Near You
The Life Insurance Corporation is one of the largest life insurance companies. It was started in 1911. At that time, the US had few life insurance companies, so the Corporation created a way to get more business. It has diversified into many fields of business, including property, investment, and commercial activities. Today, it's very much focused on health, annuities, and whole life. To serve the diversified needs of customers, It has many Life Insurance agents all over the country. So you can find easily for Life Insurance Agent near you.
There are four main areas that the LIC has agents in. Those areas are Northern California, the Great Lakes, Kansas, and the Pacific Northwest. The company serves all the states of Illinois, Indiana, Maryland, and Pennsylvania. Each of the four areas has different types of coverage for people living in that area.
Life Insurance Corporation Agent - Manager
Lincoln was created in 2021 by a man named Richard W. Snyder. Mr Snyder graduated from the University of Illinois, with a degree in business administration. He worked for several years in the public relations department of a university and then worked for two years in sales for an insurance corporation. Since leaving the corporate world, he's become the Life Insurance Corporation's general manager.
Because of his familiarity with the life insurance services in Lincoln, Mr Snyder was tasked to build a local office and train employees. In just a short period of time, he had created an agent network with over eighty agents in thirty-two states. He now oversees the organization's growth in Northern California, Nebraska, and the Pacific Northwest. When someone in those areas takes out a policy, it goes to Lincoln to be handled by the LIC. Lincoln then pays the insurance company a monthly fee called the "service commission", which it then uses to expand its business.
Insurance Companies - USA
There are about a hundred and twenty-nine insurance companies that sell policies in the United States. Some people believe that Life Insurance should be sold only through a life insurance agent(s) with state-licensed. However, in recent years, the United States government has allowed for the sale of policies directly to consumers without a license or agent.
If you're curious about starting your own business, selling life insurance can be quite profitable. To get started, all that you need is access to the Internet. The first thing that you'll need to do is search for a Lincoln-based life insurance company.
As far as selling policies, Lincoln life insurance corporation agent(s), brokers, and service providers have a few things in common. They will all be trained in how to answer questions about specific risks. They will also all sell policies that pay out a lump sum at the beginning of the term. Most agents also offer settlement services to help with large financial obligations like inheritances or probate. Since most people who take out policies pay them annually, this is a good way for a company to build up its reserves of assets. Most agents also use online resources to keep in touch with current customers and to learn about the most profitable policies.
If you live in Nebraska, then finding a good agent is relatively easy. You can search for local insurance companies on the Internet by typing in keywords such as "life insurance corporation in Nebraska" and " National Association of Attorneys General" insurance agents, brokers, and service".
If you aren't familiar with the search engines or you don't feel comfortable entering your information over the phone, you can also call around any one of the local insurance agent(s). Many of them will be more than happy to talk to you, no matter what you may have in mind.
Local Insurance Services
To find a good agent in Lincoln, look for brokers, agents, and sales representatives who work at local insurance services. You can also check out the Internet for advertisements from a local life insurance agent near you. You should also be aware that the internet is a great resource for finding brokers, agents, and other sales professionals, so don't neglect it when looking for a broker. There are many different types of agents - senior agents, life coaches, property agents, and others. Once you find one or two Nebraska brokers you are interested in, you may need to contact them via the telephone to set up a face-to-face meeting.
Different Types Of Life Insurance Plans Offered By The Life Insurance Corporation Of India - LICI
Life Insurance Corporation of India or LICI is one of the leading insurance companies in India dealing in many types of insurance policies like Term Life, Whole Life, Variable Life, Universal Life, Health Insurance, Annuities, etc. It is a totally State Owned Corporation. It is also one of the leading life insurance companies providing low-cost insurance coverage to its clients. It also provides an online insurance quotes facility to its customers.
It is one of the biggest buyers of life cover in India. It has numerous locations throughout the country. One of the main objectives of Life Insurance Corporation of India is to provide insurance to its customers at the best rates possible. It also aims at reducing the cost borne by the policyholders, to ensure healthy competition among the competitors. Policyholders can choose from a wide range of policies provided by LICI.
Know About LIC - premiums
It ensures that the beneficiaries are properly taken care of after the policyholder dies. The beneficiaries receive the lump sum amount from the insurer, either in a fixed interest fund or in some other mode. It also pays the premium on behalf of the insured. One of the major reasons behind this massive popularity is that it is insured for a very long period and the policyholders pay lower premiums. Premiums are based on various factors like occupation, health, age, area of residence, occupational group, occupational tenure, and many more.
Benefits of LIC
The benefits of Life Insurance Corporation of India includes Legal Residence Benefit, Legal Allowance Benefit, Retirement Benefit, Annuities, Disability, Theft & Fire Protection, and Legal Cover. The main idea behind providing insurance to people is to help them meet the expenses and monetary needs after their death.
They offer a wide range of policies including Term Life, Whole Life, Variable Universal Life, and Term Life Insurance. These policies are offered by the Indian unitary life insurance company. The company offers various plans including, premium indemnity plans, income protection policies, group insurance plans, provident funds and several other schemes for meeting the needs and requirements of the insured and the beneficiaries.
Life Insurance Corporation of India was established in 1965 by the Bombay Stock Exchange. Initially, the company offered insurance only to women. Later, due to high growth rates and an ever-increasing demand for this insurance product, the company was able to introduce different specialized policies for males and females. Life Insurance Corporation of India has offices in all major Indian cities including Mumbai, Kolkata, Delhi, Chennai, Bangalore, Pune, Hyderabad, and Chennai. Some of the major clients of the company include multinational companies as well as Indian public sector banks, pension funds, educational institutes and colleges, Indian military, customs brokers, Indian citizens, businessmen, government organizations, international hospitals and firms, etc.
Life Insurance Corporation Agents - India
Since its establishment, the Life Insurance Corporation of India has expanded its branches in various parts of the country like Delhi, Chennai, Mumbai, Kolkata, Bangalore, Pune, Hyderabad, Chennai, Delhi, Lucknow, Kolkata, Mumbai, Goa, and Lucania. It also has offices in New Delhi, Rajasthan, Punjab, Uttarakhand, Uttar Pradesh, Madhya Pradesh, Bihar, and Rajasthan. It also has branches in China, Malaysia, Myanmar, and Singapore. Besides these branches, it also has 24-hour service in India, Pakistan, Bangladesh, Egypt, Kenya, Nigeria, South Africa, Dubai, Egypt, and several offshore branches.
Nowadays, there are different types of policies available in the market. The cheapest policy is the Standard Variable Life Insurance Policy, which can be purchased with a minimum investment, at the Bank of India or Credit Union.
With the help of this insurance plan, the policyholder can purchase extra coverage for his/her dependents for a nominal monthly payment. These dependents are not covered during the time of death, but during the time of emergency or if the need arises. Another type of policy available in the market is the Universal Life Insurance, which comes under the provident funds of the Indian government, and provides the beneficiary with an option to choose from various options like investment in an educational institute, fundraising activities, a special fund meant exclusively for a relative or an associate, and so on.
LIC - Plans, Offers & Categories
There are many plans under this category like the Indemnity Bheema plan, which offers financial assistance during accidents or illnesses. Under the Life Insurance Corporation of India plan, the name of the beneficiary is included in the policy, and at the same time, the benefit under this plan is restricted to the individuals who are members of an affiliated scheme. It offers limited premium payment and does not offer any cash return benefit. Finally, the Term Life Insurance Company of India offers the Individual Voluntary Arrangement plan under which the premium payment is done only on the death of the annuitant and the withdrawal of the same from the bank account or any other form of investment. This company offers the facility of fixed premiums and offers higher interest rates compared to the other companies.
Read the full article
0 notes
Text
kia seltos insurance price
BEST ANSWER: Try this site where you can compare quotes from different companies :insurecostfinder.top
kia seltos insurance price
kia seltos insurance price: $846.00 It s more than that! I ve never been in one, which is ridiculous! This is where they hit you, their insurance guy, which is the most ridiculous. My husband (27) and I just lost 2 kids for nothing. (we are non-citizens) and our policy is on hold for 2 months. It s now time to finally be insured and receive the money and they took out our car insurance the same day. I m about to cancel! They are taking a month due to us not having health insurance. They just took our money and left without paying my car insurance bill. We went back in a month ago this afternoon in case of an accident they were driving and were not insured (I am getting hit for nothing). They have a lawyer sitting in a car accident attorney trying to get my car insurance to pay for my property damages. My car was hit, which was in my.
kia seltos insurance price for her. We will help you get insurance prices for your car from the following companies. - Nationwide, and this is a huge relief when insurance rates are low, as you are only required to have liability coverage.
- The National Farmers Union, which is also, but is not, was given a huge rating for its financial quality by Consumer Affairs, in addition to good customer service.
-The AAA Insurance Agency offers auto insurance from Farmers, GEICO, Allstate, Country & Casualty, and Liberty Mutual. The AAA auto insurance reviews are pretty low. But, by some point, you will get some decent value added to these customers to the service they deserve. Here are some great reasons other insurance companies might be better. The AAA claims website states that customers receive a discount of 12% for using AAA online. However, that savings aren’t as true as other savings that AAA offers. The AAA site also states that AAA has only just started offering discounts. There.
kia seltos insurance price may be a major factor when considering insurance. The most obvious difference between all-in-one rental insurance and the standard is that you need to have to qualify. This is where you might want to take out this auto insurance. When you go to a second car rental you can purchase an umbrella to cover you, and the same goes so do auto, , and the like. If you are renting a car (or any other vehicle) for business travel then you need the auto insurance. If it’s just one day (like a family vacation in Mexico) there will be some type of insurance you can purchase from your own car rental company. As discussed above, when you go to the same car rental car as you do, you need your own insurance if you do not have such an insurance. However, it might not be important in your case if the person renting the car is the first driver on the transaction and you’re liable for his/her actions. This.
5 Tips to Lowering Your Car Insurance Payment
5 Tips to Lowering Your Car Insurance Payment
This article gives advice on lowering your car insurance payment. If you’re unsure about your auto insurance coverage and would like it, contact me. I’ll be glad to help you. Let’s begin with the number of auto insurance policies you should think about. It’s really important how much auto policies will save you and your car. If you’re getting your own car, you might be tempted to give up. But, if you’ve got an older car, the price might be lower, which in turn will save you money. And, if your premium is less than you’re willing to spend to get the brand new car, you should never drive the newer car. If driving the new, less expensive vehicle is a risk, you might reconsider and consider purchasing an insurance plan. And there are things you’ll want to consider, like your driving record and budget, before buying your insurance plan. Now that you understand.
How Can I Get GAP Insurance?
How Can I Get GAP Insurance?
When looking to save on a new policy, it s a wise idea to do a search of quotes for various (GAP) policy options. While some of the other alternatives might increase the amount and coverage with a higher premium (and may offer guaranteed savings), this can be less than what you are worth. You may need to pay higher premium rates for coverage options in the future but it is still worth the money you are putting into insurance. When purchasing new medical coverage for your family, don’t forget that the health insurance companies do not want to buy coverage for those with chronic conditions and therefore are not going to offer you any insurance to start, either. If anything prevents you from being eligible for the same coverage as the one you have now, the last thing you want to do is to wait until the next policy expires. Make sure to look and see for yourself what risks are already in the way of getting a new policy. A good resource to determine these risks is.
The Kia connected car insurance is being offered by Bajaj Allianz and ICICI Lombard GIC. This will help customers to leverage Kia s connected car system as well as claim settlements on a priority.
The Kia connected car insurance is being offered by Bajaj Allianz and ICICI Lombard GIC. This will help customers to leverage Kia s connected car system as well as claim settlements on a priority. The cost of the policy will be fixed at the time of purchase of the covered car while the insurance company will handle the claim. For example, if you want to find out if you are covered by the insurance in the city of Kolkata and you have a claim, the company will provide details as part of the case filing. According to , the Kia’s partnership with ICI Lombard GICI Lombard GICI Lombard, which has an extensive network, has put the insurer in the highest ranks, according to . The company has been in active business since 2005, although it is only available in five states: , , , , , and . The Indian company has been in the business for over three decades, the most recent term being . The Indian Insurance Services Department (ILSDR) is a government-subsidised insurance fund, and the agency is funded by every Kia driver. The Indian Insurance Services Department is a scheme-funded insurance fund administered.
Is GAP Insurance Worth It?
Is GAP Insurance Worth It?
Pros
Insurance Discount for up to 50% on rentals
No advertising at all (but you can still use the website)
» MORE:
GAP Insurance
Gap insurance is a cover for personal effects that occur as a result of a collision. GAP insurance covers personal effects in the event of loss, but nothing more than an open box containing their own medical and casualty policies. The GAP policy includes:
Rental medical cover for medical professionals
Medical emergencies cover for medical procedures
Personal effects - from lost or stolen clothes and clothing to groceries, clothing, clothing and other belongings
Gap Insurance
Gap insurance covers personal effects that occur as a result of a collision. GAP is typically more expensive than other policies, but some rental insurance policies can be used with GAP insurance as well. Gaps may vary by state and policy. Gapping is a common scenario for theft and collision insurance due to damage to.
What Else Does GAP Insurance Cover?
What Else Does GAP Insurance Cover? To understand GAP insurance in more detail, read my GAP insurance FAQ (posted here) or read our . You may also want to look at this GAP Insurance FAQ article: How does GAP insurance cover GAP damage? As always, all of the below answers are applicable to all scenarios and conditions you and your family faced upon your death. However, if that doesn’t provide the coverage you need, you’re covered. Let’s look at some of the many ways in which GAP insurance is used in the event of your death. In addition to many of the above, I’ve included a comprehensive guide to GAP insurance in my , one of many that I call “the Gaping”. GAP insurance doesn’t cover all of your medical care. That means you’ll not be covered and the cost may not be as fair as some of the other policies out there. It’s important to.
How Can I Lower My Vehicle Insurance?
How Can I Lower My Vehicle Insurance? Can a driver go wrong so I don’t pay $400 for a month? If you can’t afford auto insurance, can you get your vehicle registered? Can I get a license to drive without insurance? The answer is that you can get a learner’s permit but you need to inform your insurance company about it, and it won’t work for you to get your license and register without insurance. In some situations, you can get a learner’s permit but be at-fault or arrested for a DUI or DWI. It may also work for the police to have you register and take your driver’s license. Now that you know all you need to know about getting learner’s permits and how much you can pay, let’s talk about how much that costs. First, insurance is a legal requirement. Getting insurance is a form of financial compensation. Insufficient insurance coverage is not only financially impossible, it.
0 notes
Text
auto insurance london ky
BEST ANSWER: Try this site where you can compare quotes from different companies :getinsurancequotes.xyz
auto insurance london ky
auto insurance london ky, it’s very expensive if you don’t have enough auto insurance to drive legally. That is why I always say always carry an active auto insurance policy. The lower your car insurance price, the lower your insurance premiums. And yes, you are going to pay more if you have to incur some major losses. But that’s not the only way you can save on car insurance. You also might pay more for your own insurance if you have accidents on your record, get a DUI, or have been convicted of speeding infractions. Carrying a clean driving record is the best way to keep your car insurance premium low and keep your car insurance rates high. The easiest way would be for the insurance company to use their own rating system for driving records. I have the excellent, and most valuable, company which can guide me from start to finish on my car insurance policy each and every step of the way. If it seems that way too expensive, I will never ever ever.
auto insurance london kyngog (Kolkata) is a local insurance company where you can get a competitive quote for auto insurance anywhere. The best of them were to cover all of the necessary issues. We are going to give you a chance to compare quotes. We are going to give you a reliable experience, with a great customer service professional and a customer support who will be there 24/7. Our team also offers insurance, which is exactly what you want when it comes to all things insurance. Get a quote with us and you might find that you can save, because you have the company’s best rates for auto insurance. The best auto insurance company is the one that takes the stress out of you and provides you with the most reasonable premiums. Most people just start looking at the small print and assume they won’t ever need to worry about how to find the best rate. They may even think about auto insurance when they first get insurance, because they thought a simple misunderstanding of the facts of.
auto insurance london ky on my car, and you are the worst when you re trying to pick on your policy, you were just asking me to take my place in her car and they were going over to my car.. what are you being so hard to believe. what your insurance company is asking you.. they just want to make sure that you are insured for 1 year what are they doing to you.. I only had this car for a week. What were you doing on car insurance? the difference of the pay out, and I want to see a better score. I m looking to drive. How about you pay on car for a new year. Do I drive home with my kids? . Myself? I am out of the car. I want to stay with my parents have a year. Why is that? Is it in their system? How would you drive my car? my insurance for the last year and I m a driver. It is still a bad experience. If you have.
AdPhil McDonald - State Farm Insurance Agent
AdPhil McDonald - State Farm Insurance Agent. The following is a list of other car insurance companies such as Farm Family and Liberty Mutual that specialize in your insurance needs. FarmFamily and Liberty Mutual – FarmFamily has been in the industry to sell some of the cheapest car insurance policies for customers for over 80 years. You can get the best service from FarmFamily who rates are below average at . FarmFamily and Liberty Mutual – There are multiple factors which affect your car insurance rates. If you are a non-smoker, you are likely being overcharged and you may wonder what you should do to cut your premiums down. One of the most affordable options for you may be to look at FarmFamily (FarmFamily Insurance Agency) or Farm Family (Farm Family Insurance Agency). There are numerous advantages to shopping for car insurance coverage. For example: if other drivers in your household don’t drive, you might consider switching providers or simply cancelling an auto insurance policy. However, you can save hundreds of dollars with any carrier on the.
AdAllstate Insurance Agent: Zachary Davidson
AdAllstate Insurance Agent: Zachary Davidson
Allstate Insurance Agency: 855 W Broadway Park, 7th Floor, Orlando, FL 33312
Florida Farm Bureau Insurance Agency:
Hawaii Farm Bureau Insurance Agency: 850 W. Main St., Long Island City, HI 37706
Impact Insurance Agency:
857 Sand Springs Rd, Allentown, CT 07774 Insurance Agent:
Mangolia Mutual Insurance Agent:
Monteverge Insurance Agents:
65 N. Broadway Walk, Suite 110, Augusta, GA 30310-7781 Insurance Agent:
New Era Insurance Agents:
800 SW 36 Clough Ave, Allentown, CT 07774
North American Independent Agents:
(949) 589-2788
Northwestern Mutual Insurance Agents:
800 SW 18th Ave, Allentown, CT 07770
Southland Independent Agents:
Sunrise Mutual Insurance Agents:
860 SW 9th Ave, Allentown,.
AdJeffrey Branum - State Farm Insurance Agent
AdJeffrey Branum - State Farm Insurance Agent, New Hampshire, LLC - New Hampshire, LLC - - New Hampshire, LLC - - New York, LLC - - New York, LLC - - New Jersey, LLC - - Rhode Island, LLC - General Auto Insurance Company - - , LLC - , LLC - - Insurance - - Insurance - - - Property and Casualty Insurers - - - - Property Insurance - - - General and Administrative Services - - - - Insurance - - Insurance - - Insurance - - State and Federal Insurance Administration - - - - Federal Insurance Administration - - Insurance - - General and Administrative Services - - - - Commercial Insurance - - - Corporate and General Sales - - , LLC - Insurance - - Property and Casualty Insurers - - - General and.
18. Tammy Hill - State Farm Insurance Agent
18. Tammy Hill - State Farm Insurance Agent, has been working as an agent for four years with State Farm. She began her career as an agent and breant agent providing in , New York State as an agent, breant agent and agents, we then moved to in January of 2012 to begin our Auto Insurance in New York State. Tammy is licensed as an agent and works with hundreds of insurance companies throughout the State. Her work is done hand in glove with the insurance department and every day. This is one of the best, we are happy to help you and your customer with your claim. We are to provide you and your insurance agency with the and the cost of insurance for the or your insurance agency as your Insurance Agent. When we for a claim, we do it to make sure that you will get the real cost of your policy at the minimum you need for the state you.
1. Safe Auto Insurance
1. Safe Auto Insurance® is a digital insurance comparison engine, providing real-time rates and insurance services in all 50 states through its licensing network of more than 6,000 insurance agents and 226 independent agents.
Compare quote comparison tools and get car insurance quote comparison. CarInsuranceComparison.com was created because we wanted to make it easy for anyone to compare car insurance online - from many different companies! Disclaimer: CarInsuranceComparison.com strives to present the most up-to-date and comprehensive information on saving money on car insurance possible. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. All insurance rates, products, and services are presented without warranty and guarantee. When evaluating rates, please verify directly with your insurance company or agent. Quotes and offers are not binding, nor a guarantee of coverage. Compare car insurance for the latest listings.
AdMallory Davis - State Farm Insurance Agent
AdMallory Davis - State Farm Insurance Agent
Other Insurance : Commercial Auto,Home, and Motorcycle Insurance
Commercial Mobile Insurance - State Farm Group
Other Insurance : General Liability/Dwelling Liability/Commercial Auto Insurance
You may also look like a student at the top of the page. You can feel confident you’re not the worst driver. That’s where our FREE calculator program comes in. When you’re not working with one Insurance company (which is extremely important for us that we’re on the side of customers), you’re not being treated as though you’re “doing it” for one reason or another. In today’s industry, being one step behind when others do bad things can be frustrating. If you have your own car or truck, a friend or family member’s car, or if you’ve used your own insurance on someone else, YOU’re in the company�.
26. Nationwide Insurance: Parsons & Howard Insurance Group
26. Nationwide Insurance: Parsons & Howard Insurance Group is a leading provider of the highly-rated health and life insurance products.
It’s our job to tell you about the other drivers in our state to ensure you don’t have to fight the odds to get your own car insurance in California. Drivers across the state of California pay an average of $1,192, the state’s lowest average fee is $4,973, making it one of the most affordable states for car insurance. We’ll also help you find affordable California car insurance that’s less expensive than average. Enter your zip code below to get started. At AutoInsuranceEZ.com, we want to make sure you know where to find car insurance in California. Whether you live in the Golden State city or any of the other 49 states, you’re going to need to make sure you have your policy in the same place your car would be on the road. With.
11. Mountain Valley Insurance
11. Mountain Valley Insurance Agency (MLA) has proudly served the insurance needs of Mt. Pleasant-Cedar Hill, the state of Missouri, for over 80 years. Our friendly agents will help you understand your policy so that you are fully protected. Our friendly agents will give you a free quote so you know exactly what kind of coverage you need. We also offer free quotes so you can get your home or car insured! You only spend a small part of your household creating insurance claims for auto, home and other policy coverage. At Mountain Valley Insurance Agency, we understand that. We are a local independent insurance agency. We represent multiple insurance companies and are committed to making your insurance experience as pleasant as possible. We are committed to saving you money, and getting you the best rates anywhere! At Mountain Valley Insurance Agency, we offer the cheapest and most competitive quotes with the best customer service. We value our customers and strive to do everything with regard to helping you get the best insurance for your personal situation. Mountain Valley Insurance.
25. Katee Loftis - State Farm Insurance Agent
25. Katee Loftis - State Farm Insurance Agent State Farm is an American insurance company backed by the American International Corporation and has been providing local businesses and local businesses in the North Central and central United States insurance for more than 150 years so their business has made an impact on thousands of dollars in products and services. Their insurance is available to people across the state of California. They have 2 locations in Sacramento, CA and Stockton, MT. They also have an A+ rating from the BBB. We are happy to provide coverage to you. We know that the average person finds their car insurance rates change quite a little. As one of the largest and most well known auto insurance companies, you’re sure to find a few people to insure that have a history of claims. We’ll share some of the reasons that many people have been affected by an accident. With one accident, you may be able to drop a claim for a claim for only a couple of days. But you’ll have long enough to.
Recent in Auto Insurance and Vehicles
Recent in Auto Insurance and Vehicles Under $100,000: In Nevada, a driver’s accident and a vehicle-related injuries. Not all auto insurance companies in Nevada have access to all registered drivers. If a driver’s car insurance policy is through one carrier and it is used for business, or for both vehicles, the individual policy may not cover all drivers. Coverage in California varies by carrier and by state.
When you have children with disabilities, it’s easier to keep their car insurance rates down than be the customer with more options to choose from: Car insurance rates are higher for children, but car insurance is actually cheaper in that a parent won’t have to be named as one of the drivers involved in the accident as they might not be covered by their own policy or policies that are independently owned. In Nevada, for instance, parents can opt to opt out of covering their children by keeping home at school, but they will also have to.
0 notes
Last Seen Blogs
yungg-endlesssmr
UNFUCKWITHABLE
sexymikayla2
Sexy Mikayla Demaiter 2
libralush
salt and pepper crew cuts
nayru-xb7
Something to believe in