Rawat Insurance Solution Point
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Rawat Insurance solution Point

Rawat Insurance solution provides LIC insurance products for all age groups with 100% customer satisfactions under single roof. We have nos. of satisfied customer from last decades. We assure you your search for best insurance is ending here………





  • 1. Types of insurance
  • 2. Any risk that can be quantified can potentiallybe insured.. Below are exhaustive lists of the manydifferent types of insurance that exist. A singlepolicy may cover risks in one or more of thecategories set out below. For example, vehicleinsurance would typically cover both the propertyrisk (theft or damage to the vehicle) and the liabilityrisk (legal claims arising from an accident). A homeinsurance policy in the U.S. typically includescoverage for damage to the home and the ownersbelongings, certain legal claims against the owner,
  • 3. Type of insuranceLife Insurance Home Insurance Property Insurance Auto Insurance Health Insurance
  • 4. Life Insurance• Life insurance provides a monetary benefit to a descendants family or other designated beneficiary, and may specifically provide for income to an insured persons family, burial, funeral and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies, are regulated as
  • 5. Life Insurance• Certain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities andendowment policies, are financial instruments to accumulate or liquidate wealth when it is needed.• In many countries, such as the U.S. and the UK, the tax law provides that the interest on this cash value is not taxable under certain circumstances. This leads to widespread use of life insurance as a tax-efficient method of saving as well as
  • 6. Home InsuranceHome insurance provides coverage for damage or destruction of the policyholders home. In some geographical areas, the policy may exclude certain types of risks, such as flood or earthquake, that require additional coverage. Maintenance-related issues are typically the homeowners responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing. In some countries, insurers offer a package which may include liability and legal responsibility for injuries and property damage
  • 7. Accident, sickness Insurance Under this category there are four type of insurance are there 1. Health insurance 2. Disability insurance • long term disability • Short term disability • Total Permanent disability 3. Disability overhead insurance 4. Workers compensation insurance
  • 8. Health Insurance Healthinsurance policies issuedby publicly-funded healthprograms, such as cost ofmedical treatments. Dental insurance,like medical insurance, isprotects policyholders fordental costs. In the U.S.and Canada, dental
  • 9. Disabilityinsurance• Disability insurance policies provide financial support in the event of the policyholder becoming unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgage loans and credit cards. Short-term and long-term disability policies are available to individuals, but considering the expense, long-term policies are generally obtained only by those with at least six-figure incomes, such as doctors, lawyers, etc. Short-term
  • 10. • Long-term disability insurance covers an individuals expenses for the long term, up until such time as they are considered permanently disabled and thereafter. Insurance companies will often try to encourage the person back into employment in preference to and before declaring them unable to work at all and therefore totally disabled.• Disability overhead insurance allows business owners to cover the overhead expenses of their business while they are unable to work.• Total permanent disability insurance provides benefits when a person is permanently disabled
  • 11. Property InsuranceProperty insurance provides protection against risks to property, such as fire, theft or weather damage. This may include specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, inland marine insurance or boiler insurance., be used as a broad category of various subtypes of insurance, some of which are listed below:
  • 12. Fire insurance Fire insurance is a insurancethat cover property, such as home shop orother fixed asset protection against fire,burn Etc..It also cover distraction of property due to fire
  • 13. Aviation insurance Aviation insuranceprotects aircraft hulls and spares, andassociated liability risks, such aspassenger and third-partyliability. Airports may also appear underthis subcategory, including air trafficcontrol and refuelling operations forinternational airports through to smaller
  • 14. Boiler insurance Boiler insurance (also known asboiler and machinery insurance, orequipment breakdown insurance) insuresagainst accidental physical damage toboilers, equipment or machinery.
  • 15. Builder’s Risk insurance Builders risk insurance insuresagainst the risk of physical loss ordamage to property during construction.Builders risk insurance is typically writtenon an “all risk” basis covering damagearising from any not otherwise expresslyexcluded. Builders risk insurance iscoverage that protects a persons ororganizations insurable interest in
  • 16. Crop insurance Crop insurance may be purchasedby farmers to reduce or manage variousrisks associated with growing crops. Suchrisks include crop loss or damage causedby weather, hail, drought, frost damage,insects, or disease.
  • 17. Earthquake insurance Earthquake insurance is a form ofproperty insurance that pays thepolicyholder in the event ofan earthquake that causes damage to theproperty. Most ordinary home insurancepolicies do not cover earthquake damage.Earthquake insurance policies generallyfeature a high deductible. Rates depend
  • 18. Flood insurance• Flood insurance protects against property loss due to flooding. Many insurers in the U.S. do not provide flood insurance in some parts of the country. In response to this, the federal government created the National Flood Insurance Program which serves as the insurer of last resort.
  • 19. Marine insurance Marine insurance and marine cargoinsurance cover the loss or damage of vesselsat sea or on inland waterways, and of cargo intransit, regardless of the method of transit.When the owner of the cargo and the carrierare separate corporations, marine cargoinsurance typically compensates the owner ofcargo for losses sustained from fire, shipwreck,etc., but excludes losses that can be recoveredfrom the carrier or the carriers insurance. Many
  • 20. natural disaster insurance natural disaster insurance covers specified expenses after a natural disaster renders the policyholders home uninhabitable. Periodic payments are made directly to the insured until the home is rebuilt or a specified time period has elapsed.• Volcano insurance
  • 21. Terrorism insurance Terrorism insurance providesprotection against any loss or damagecaused by terrorist activities. In the U.S. inthe wake of 9/11, the Terrorism RiskInsurance Act 2002 (TRIA) set up afederal Program providing a transparentsystem of shared public and privatecompensation for insured losses resulting
  • 22. Other types• All-risk insurance• Bloodstock insurance• Business interruption insurance• Collateral protection insurance.• Legal expenses insurance• Locked funds insurance• Livestock• Nuclear incident insurance• Pet insurance.• Pollution insurance• Travel insurance
  • 23. Type of insuranceLife Insurance Home Insurance Property Insurance Auto Insurance Health Insurance



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Sh. Chitarsain Rawat Chief Life Insurance Advisor (Chairman Club Member) H.No. 1848 Sec -4 Exten. Behind Gymkhana Club Rohtak-124001
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