JAIIB · IEIFS · Chapter 42

Insurance Products

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Indian Economy and Indian Financial System — JAIIB.

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Q

LIFE Insurance — Sub-types / Regulator?

A

Sub-types: Term, Whole Life, Endowment, Money-Back, ULIP, Annuity (Pension); Regulator: IRDAI

Q

GENERAL Insurance (non-life) — Sub-types / Regulator?

A

Sub-types: Health, Motor, Fire, Marine, Travel, Property, Burglary, Liability, Crop, Aviation; Regulator: IRDAI

Q

Statutory micro-cover — Sub-types / Regulator?

A

Sub-types: PMJJBY (life), PMSBY (accident); Regulator: GoI / IRDAI

Q

Immediate Annuity — Premium payment / Pay-out start?

A

Premium payment: Lump sum, in one instalment; Pay-out start: Payments start immediately

Q

Deferred Annuity — Premium payment / Pay-out start?

A

Premium payment: Lump sum OR regular premiums; Pay-out start: Income / lump sum starts at a future date

Q

Third-Party Insurance — Covers / Statutorily required?

A

Covers: Injury / death / property damage caused to a third party by the insured vehicle; Statutorily required?: Mandatory (Motor Vehicles Act, 1988)

Q

Comprehensive Insurance Policy — Covers / Statutorily required?

A

Covers: Third-party cover + Own Damage cover + theft of vehicle; Statutorily required?: Optional but recommended

Q

Nature?

A

Pure term life insurance scheme

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