Relience Insurance Essay Example for Free

Relience Insurance Essay Reliance Insurance Company, now officially known as Reliance Insurance Company [in Liquidation], was founded in Philadelphia in 1817. In October 2005, Reliance Insurance Company had taken place in India. Reliance Life Insurance Company Limited is an associate company of reliance Anil Dhirubhai Ambani Group. Reliance Capital Limited is one of India’s leading private sectors. Reliance capital has interests in an asset management and mutual funds, stock broking, life and general insurance’ proprietary investments’ private equity and other activities in financials service. Reliance Group also has presence in Communications, Energy, Natural + interests. Reliance General Insurance Co. Ltd. is fast emerging as one of the biggest general insurance companies in India. The company offers over 95 insurance products for both corporate and individual customers. The distribution network of Reliance General Insurance Co. Ltd. extends 200 branch offices spread across 172 cities in 22 states in India. Automobileindia.com furnishes information on Reliance General Insurance Co. Ltd. Risks Covered by Reliance General Insurance Co. Ltd.: Reliance General Insurance offers coverage for all the accidental happenings, producing monetary loss or loss of life. It also includes risks of an individual, or a group. Reliance General Insurance offers coverage in case of: †¢Financial loss of the insured †¢Measurable or tangible monetary loss †¢Legal object of the insurance contract Advantages of Insuring with Reliance General Insurance Co. Ltd.: Reliance General Insurance Co. Ltd offers you a number of advantages. Automobileindia.com furnishes information on Reliance General Insurance Co. Ltd. Some of the advantages of using Reliance General Insurance Co. Ltd are †¢Speedy claims settlement through country wide reach †¢Free towing facility for insured vehicles in case of an accident in all metropolitan cities in India †¢Cashless claims settlement in preferred garages of the policy holder. †¢Reliance General Insurance Reliance General Insurance Co. Ltd has tie-ups with leading TPAs and hospitals offering cashless facilities, ensuring hassle free returns †¢Easy and prompt E intimation facility Claim Procedure in Reliance General Insurance: The policy holder needs to know the claim process and the different kinds of insurance. Automobileindia.com furnishes information on Reliance General Insurance Co. Ltd. Claim Procedure in Reliance General Insurance falls into three broad categories: * Theft claims * Own damage claims * Third party claim Information Required for Claiming Policy at Reliance General Insurance: The insurer or policy holder needs to provide the following details, when he or she is claiming for insurance. * Full name of the Insured * the contact details of the policy holder * Policy number * Nature of loss * Place of loss or accident site (in case of accident) * Contact details of insured person (if in case the person intimating the claim is not insured) WHAT IS INSURANCE? Insurance is a specialized type of contract. It is an agreement between two parties one party is insurance company who takes the insurance of other party known as insured party. Premium is consideration of Contract of the insurance. The insurer issues a document in writing in the name of the insured which is called policy. It includes terms and conditions of the insurance contract. The insurer has to pay a certain amount to the insured, if uncertain event takes place after taking the insurance and before the expiry of the policy NEEDS FOR INSURANCE:- Human life is a full of uncertainty and therefore ,there is a need for insurance if there no uncertainty there is no need for insurance .If one can predict the forthcoming dangers ,he can take a proper action and face the crisis . However, death, disaster and  dangers cannot be predicted and hence the insurance is needed. Insurance does not protect the assets. It also does not prevent the losses due to the perils. The perils cannot be avoided by taking the insurance ,but it compensate the losses caused due to the perils which are uncertain . The insurance companies play an important role of implementing the concept of insurance. They collect the premium in advance and create the fund out of which the losses incurred by few a insured people are compensated . Thus the variable need of life insurance can be: (a) Protection of the interest of the family members. (b)Provision for education and marriage of children. (c) Post-retirement income for self and family members. The general insurance helps to protect capital employed in industry and economic activity. Life insurance has become the main vehicle for carrying the social security to the public and the weaker section. Life insurance business is complimentary to the government efforts in social management. LIFE INSURANCE:- Life insurance business was entirely in the hands of LIC till 1999. In late 1999, the government of India allowed the opening up of the insurance sector to private parties by passing the insurance regulatory and development authority (IRDA).foreign companies are also allowed to invest up to 26 percent of equity stake in the insurance sector in the India. The market share of reliance insurance company is 0.47%. Following are the basic types of policies:- (a) Term assurance (b)Endowment product (c)Whole life insurance (d)Money- back policies (e)Annuity plan GENERAL INSURANCE :- General insurance evolved with the evolution of business and the lifestyle of the human beings. Today general insurance cover everything from space expenditure to the voice of the famous singer. general insurance business in India can be traced its roots to the Triton insurance company limited , the first general insurance company established in the year 1850 in Calcutta by the Britishers. The India mercantile insurance ltd. Was set up in 1907. In 1968 the insurance act was amended to regulate investment and set minimum solvency margins and the Tariff advisory committee was set up. Insurance act , 1938 and the general insurance business ( nationalize ) act ,1972 regulate the insurance business. Inter-regulatory committee set up to fix norms on insurance firms Paving the way for guidelines for listing by insurance companies, the Insurance Regulatory and Development Authority (IRDA) has set up a committee to finalize the norms. This committee, appointed recently, would look at the level of disinvestment that a company could undertake through the stock market. Apart from IRDA officials, the committee also consists of members from the Securities and Exchange Board of India (SEBI). The committee is headed by IRDA Member. The move would pave the way for the likes of Reliance Life Insurance to list on stock exchanges. The government is set to ease the norms to allow companies to list after five years of operation, instead of the Current 10-year norm. Reliance, which had sought a relaxation, could be the first beneficiary. The sources said that the matter had also been examined by the Insurance Regulatory and Development Authority (IRDA) and it was decided that SEBI would issue the norms. Apart from Reliance, a host of other life insurers such as HDFC Standard Life and SBI Life could also tap the market. In the run-up to the listing norms, IRDA would issue guidelines related to valuation. The insurance regulator has already issued the disclosure norms for companies. In the past, the government and the market regulator have provided a special dispensation for various sectors, such as information technology, to help companies list. COMPETITORS OF RELIANCE INSURANCE:- 1) LIFE INSURANCE CORPORATION IN INDIA THAT IS (LIC). 2) BAJAJ ALLIANZ GENERAL INSURANCE. 3) ICICI PRUDENTIAL LIFE INSURANCE. 4) ICICI LOMBARD GENERAL INSURANCE. 5) BIRLA SUN LIFE INSURANCE. 6) TATA AIG GENERAL INSURANCE. 7) NEW INDIA ASSURANCE COMPANY. 8) IFFCO TOKIO GENERAL INSURANCE. SOME ONLINE POLICIES PROVIDED BY RELIANCE INSURANCE COMPANY:- CAR INSURANCE: Reliance General Insurance offers an online car insurance portal which is quick and fast and one can purchase the automobile Insurance policy in ten minutes if one has all the information about his/her vehicle. Some of the advantages of the reliance private car Insurance policy are: The online policy is issued within 10 minutes. The online policy eliminates the process of paper work. It gives you complete Insurance cover on and off the road. It covers your car against accidents, theft, natural calamities, etc. Cashless facility is provided. In case of claim, the survey of the vehicle is arranged within 24 hours. TRAVEL INSURANCE: Travel insurance or visitor insurance also known as overseas medical insurance can cover your medical expenses, personal accident, trip delay, loss of passport and many more risk while you travel abroad. At insurance Pandit, we offer a convenient way to compare travel insurance plans offered by reliance insurance company. Not only you can compare plans but also buy and print your travel insurance policy online. Individual Overseas Medical Insurance HEALTH INSURANCE: Health and medical insurance is a recent origin in India. Health insurance covers two types of benefits. One is reimbursement of medical expenses related to specific diseases and the other is related to hospitalization. Health insurance cover operates in two ways- cashless and cash reimbursable ones. The health insurance has changed the way medicine is dispensed and sold in most of the parts of the world. In India, the introduction of the new famous policy â€Å"MEDICLAIM† has made a huge difference to an ordinary citizen’s usage of insurance for medical cover purpose. The mediclaim covers the following expenses: PROFESSIONAL INDEMNITY: General insurance evolved with the evolution of business and life style of living beings. It took shape in the sea going vessels of the early centuries. Today expeditions to the voice of famous singers. General insurance forms the lifeline of several commerce and trade activities.

Career as an Electronic Publishing Specialist Essay -- electronic books

Since the early 2000’s, there has been a strong drive toward electronic publishing, with digital versions of books, periodicals, bibliographic databases and other information in digital formats, out selling and outperforming their analog counterparts, based on research performed by Milena Milanova of Sofia University. The expiring business model publishers use, which is based on manufacturing processes, sales channel, and business practices, is rapidly changing due to the introduction of the digital revolution. This revolution has created new media technologies that make it easier to access previously printed material,now assessed electronically. The driving force behind this revolution, is the increase in use by consumers of medium used to access this information, such as e-readers, tablets, computers, cell phones, and cloud computing. With the increase use of electronic publications, there is an increased need for electronic publication specialists to create these publicat ions, this is a new and evolving career comes with new job responsibilities, qualifications and earning potential. Electronic publishing specialists work with a diverse group of professionals including printing specialists, analysts, graphic designers, web developers, multimedia specialists, computing support specialists, and photographers. However the electronic publishing specialists are ultimately responsible for working with this group to manage the conversion of content, perform quality assurance checks, code new copy, and manipulate the code required to create digital publications. Additionally, they are responsible for scheduling and tracking digital publications, following and maintaining workflow and process documentation, and archiving projects.... ...related to electronic publishing, this is just the one of the first created, however as the need grows so will the positions and departments.  Works Cited Cental Intelligence Agency. â€Å"Electronic Publishing Specialist† CIA.gov. CIA.gov 27 April. 2007. Web. 27 February 2014. MyMajors.com. â€Å"Electronic Publishing Specialist† Mymajors.com. Mymajors.com 5 May. 2011. Web. 8 March 2014. Bureau of Labor Statistics. â€Å"Desktop Publishers† Bls.gov. Bls.gov/ooh. 8 Jan. 2014. Web. 7 March 2014. Milena Milanova. â€Å"E-Publishing and its History and its Latest Developments† Lis.uw.edu. Lis.uw.edu.pl. 28 Jul. 2012. Web. 16 February 2014. Tallahassee Community College. â€Å"Desktop Publishers† Tcc.fl.edu. Tcc.fl.edu. 12 Jan. 2011. Web. 7 March 2014. CACI International. â€Å"Electronic Publishing Specialist - Developmental Job† C. Caci.jobs. Caci.jobs 11 Mar. 2014. Web. 14 March 2014.

A Comparison between the Hindu Gods of Good and Evil Essay

In Hinduism, the primary goal of an individual is to achieve the so-called Nirvana or â€Å"becoming one with God. † Nirvana connotes the transcendence of the human spirit to the Oneness of the Divine Spirit (Hemenway, 2003). Hence, many Hindus practice a variety of evolved rituals and esoteric practices to enable their spirit to adapt to the divine essence. The hope of spiritual transcendence given by Nirvana became the basis for creation or conceptualization of many gods in the Hindu religion. These gods are basically derivatives of the â€Å"One God†; the â€Å"One God’ being represented in all aspects of nature (Hemenway, 2003). Thus, in order to simulate the specific characteristics of this God, Hindus focus on worshipping all the representations of this God. In general, the Hindu religion speaks of about 300 major and lesser gods. The primary three gods are known as the Holy Trinity. Brahma is the creator; Vishnu is the preserver (pattern-maker); and Shiva, the destroyer. The three are inseparable from each other. In order for creation to proceed, there must be a period of destruction. In order for destruction to occur, a period of preservation must happen (prior). Thus, the existence of the three gods presents a vivid description of the Hindu’s belief on the existence of man. If man is to be born, he must be preserved from the impediments of bad life and evil, and he must face the reality of death. To be born is to be created; to be preserved is to be rectified from the evils of daily living; to die is to acknowledge the origin of the human spirit. Only in this way that the human spirit would be able to achieve Nirvana (transcendence of the human spirit to the divine essence). Thus, Hindus hold on the assumption that once man is born (and reborn) in this world, there are powers who would guide and misguide him to attain Nirvana. The guiding powers are essentially the gods of good. The powers misguiding man to his true purpose are the gods of evil. This is though unlike the Christian conception of good and evil. Evil here is not seen as non-functional. Rather it serves as a manifest of test during the preservation period of man’s being; that is, the necessity to achieve Nirvana. Good here is seen something as an end; that is, the representation of Nirvana on earth. We can therefore assume that the conception of good and evil is a rectification of ideological misconceptions in the Hindu religion. The first clarification is concerning the source of good and evil. It is quite clear in Hindu religion that both good and evil gods came from the same source. Evil is the perversion of good. In order for evil to exist, good must first come into existence. The second clarification states â€Å"good gods are often transformed into evil gods as they experience strange circumstances. † The conception connotes the existence of One Divine Essence represented as both good and evil in nature. Evil is not a natural phenomenon, it springs from the Divine Essence serving as a test to humanity. Thus, when we compare Hindu gods of good and evil, take note that we are essentially talking of functional difference. This functional difference is manifested in the perceived roles of the gods in nature. The Hindu gods of good are represented in things â€Å"perceived† by the Hindus as rudiments of a â€Å"good life. † For example, Ganesha is often described as a god of good because he bestows good fortune to those seeking his favor. Specifically, he is considered the source of prosperity and wealth for Hindus. Some call Ganesha the Lord of Good Fortune and the Destroyer of Obstacles. Often, Hindus attribute their economic and social well-being to the hands of Ganesha. Added to that, because man is located in a physical world full of dangers and obstacles, he continuously provide his divine guidance to man. Hence, he is sometimes called the god of wisdom and intellect in Hinduism. Ganesha is seen as a good god who bestows his wisdom and divine intellect to man in order for him (man) to attain Nirvana. Frankly speaking, he is seen by many Hindus as the source of hope and aspiration. Besides Ganesha, there are three other gods considered to be good by many Hindus. Durga is a goddess representing the power of the Supreme Being who maintains moral order (Hindu Gods, 2005). In Sanskrit, her name means a â€Å"fort or a place that is protected. † Thus, Durga is known as the Divine Mother. In her arms, she protects the human race from evil by destroying the sources of evil. Like Ganesha, Lakshmi is considered a goddess of good-living and prosperity. In Sanskrit, her name literally means â€Å"goal† (Hindu Gods, 2005). Thus, she signifies the goals of life. These goals of life can be achieved either in the physical or spiritual realm. Most Hindus pray to her for guidance. Saraswati is the goddess of knowledge, and wisdom. She is often associated with Brahma, the creator of the universe. In Sanskrit, her name means â€Å"the essence of the self† (Hindu Gods, 2005). Hinduism puts knowledge on a higher pedestal, being the prerequisite for creation. To the Hindu worshipper, Saraswati provides guidance to humanity in accomplishing their daily tasks. Hindus believe that Saraswati, during the early part of creation, provided man with practical knowledge. This practical knowledge allowed man to create civilizations, far greater than any in the animal kingdom. In Hinduism, there are gods considered to be the source of evil in this world. In Pauranic traditions, Asuras and Devas are the step sons of Kasyapa, an unknown god considered to be the primordial source of evil. They are considered to be demon gods projected as enemies of humanity. The Asuras (this is a group of demon gods) became too proud of their ancestry and power. Thus, the Devas became enraged over the war mongering of the Asuras and decided to punish them. The punishment though was self-serving. The Devas thought by forcing the Asuras to serve them, they would be able to project themselves as rulers of the physical world. This view of the Asuras and Devas was expanded in Iranian mythology. Iranian mythology presented Asur Mazda as the embodiment of good in this world and Devas as the villain. It should be noted though that in Hindu mythology, both the Asuras and the Devas are perceived as demon gods; that is, gods that would take all hope from humanity in the attainment of the Nirvana. The term Asuras, unlike the terminological evolution in Iranian mythology, came to signify in later times (in Hinduism) as the representation of evil; demon itself. In Hinduism, there are gods considered evil precisely because they are perceived to be enemies of the â€Å"good gods† and humanity in general. Vritra, for example, is a serpent god often called as the â€Å"enemy of the gods† (The Complete Book of Devils and Demons, 2005). His favorite animal, the serpent, carries the scent of death to those who would call his name. Yama is a Hindu god considered to be the lord of death. His two dogs drag humanity into the fervor of spiritual death; the essence of which is the loss of spiritual transcendence to the Divine Essence. The same is true for Ravana, the Demon King (The Complete Book of Devils and Demons, 2005). He is seen as the incarnation of evil in this world. At times, he would lure humans into his trap, forcing them to pledge loyalty to his evil will. There are also evil creatures considered to be the direct descendants of the evil gods. Kasyapa, the primordial source of evil (and the father of both the Asuras and the Devas) gave birth to the Daityas. These are unpleasant demons who roamed the physical world to destroy man’s sacrifices to the good gods. The good gods are therefore their natural enemies. Kasyapa also gave birth to the Danavas (The Complete Book of Devils and Demons, 2005). These are creatures often disguised as man to motivate man to rebel against the good gods. These creatures (who at times became demon gods) possessed powers of persuasion and bad luck. They often seduce man to covet the properties of the gods and to stop offering sacrifices. Added to that, they also offer their services to the primary â€Å"evil gods† in their fight against the good gods. The good gods are sometimes forced to seek refuge to other places in order to avoid the rage of these demonic creatures. In the end, however, the good gods succeed in defeating these evil creatures (in alliance with the evil gods). There are also other â€Å"entities† described as evil in the Hindu religion. The Darbas are destructive that â€Å"tears† human flesh (hence the name, â€Å"tearers†). The Rakshasas are goblins and ghouls which descended from the foot of Brahma. They can be titans or as little as a cat that haunt cemeteries and other religious places. They disturb sacrifices, animate the dead, eat people, and spread disease and disorder. These creatures often serve the evil gods in their fight against the good gods. In sum, evil goods in the Hindu religion are either the enemies of the gods and humanity or those which prevent humanity from attaining Nirvana. These gods descended from the three primary gods (Brahma, Vishnu, and Shiva). At times, they trace their ancestry to good gods. This explains the proposition stated earlier that the â€Å"good is the prerequisite of evil. Added to that, some evil Hindu gods (like the Asuras and the Devas) in Hinduism present their identity as the result of perversion on the part of the good gods. Take note that the â€Å"good gods† are not by nature good. Like in Greek mythology, Hindu gods are often involved in intrigues that affect their functions as gods. At times, even the good gods struggle against each other for supremacy. Only when the threat of evil becomes preeminent, the good Hindu gods join forces to defeat the evil gods. Most of the time, they achieve success. At some time, they flee from the hordes of the evil gods. We come now to the discussion of the primary differences of Hindu gods of good and evil. As stated earlier, the main difference between these gods can be derived from the concept of functionality. Hindu gods of good are represented as the â€Å"good rudiments† of nature (and man’s guidance in attaining Nirvana). Hindu gods of evil are essentially the symbols of a corrupt humanity. This corruption is the ultimate obstacle (and often irreversible) of man in attaining Nirvana. There are though specific differences between these sets of deities. Here are as follows: ) Culturally speaking, the Hindu gods of good are often associated with the mystical founders of Hindu civilization (Hemenway, 2003). For example, in the Vedic manuscripts the ancient founders of the Indus civilization are often given divine attributes. These gods are the progenitors of practical and divine knowledge to the people. The evil gods are often associated with the invaders; that is, the barbarians who destroyed the Indus civilization and established the caste system (note that the caste system is functional in the eyes of a Hindu – this connotes that evil itself is functional in some ways); ) The good gods are often represented as the symbols of perpetuity and healthy living (Hemenway, 2003). Animals such as the elephant, cow, and rat are associated with the good gods because of their dual symbol of power and humility: the very virtues that humanity adheres to. The evil gods are represented by serpent, monkey (symbol of arrogance and maliciousness), and in some cases the vulture: symbols of decay and corruption of the human spirit. Take note however that these creatures are respected in the Hindu religion because evil is seen as a manifest test of humanity in achieving Nirvana; ) Lastly, the good gods are usually are represented as bringers of justice and love to humanity. The eight arms of Ganesha symbolize love for humanity. The swords loaded to arms of Ganesha symbolize justice and his will to protect humanity from evil powers. The evil gods carry weapons that aim to destroy and misguide humanity. We must though take note that there is no sharp demarcation between good and evil (Abhedananda and Math, 2007). In Vedanta philosophy, there is no such thing as a natural good. Any action can be viewed as either good or bad depending on the one who views it. Thus, it can be said that â€Å"every action, whether backed by good or bad motives, is covered with its opposite, as fire is enveloped with smoke† (Abhedananda and Math, 2007). Thus to assume that the good gods in the Hindu religion are naturally good is a misconception. It is often noted some â€Å"good gods† gave birth to evil ones. This instance indicate that evil is the offspring of good.

How to Make a Rubric for Differentiation

Rubrics are rules or a way to explicitly lay out expectations for an assignment, and the means to evaluate or grade an assignment using a point system. Rubrics work very well for differentiated instruction, as you can establish different levels of performance for general education students and for children receiving special education services. As you start making your rubric, think about the things you need to know to assess a students performance on a project/paper/group effort. You need to create four or more categories to evaluate and then establish the criteria for each score. You can format your rubric as a questionnaire or as a chart. Be sure it is clearly written, as you want to give it to your students and review it as you introduce the assignment. When you are done, you can tailor your use of the information for the following: IEP data collection, especially for writing.Your grading/reporting format: i.e., 18 of 20 points is 90% or an A.To report to parents or students. A Simple Writing Rubric The numbers suggested are good for 2nd or 3rd-grade assignments. Adjust for the age and ability of your group. Effort: Does the student write several sentences on the topic? 4 points: Student writes 5 or more sentences about the topic.3 points: Student writes 4 sentences about the topic.2 points: Student writes 3 sentences about the topic.1 point: Student writes 1 or 2 sentences about the topic. Content: Does the student share enough information to make the writing selection interesting? 4 points: Student shares 4 or more facts about the subject3 points: Student shares 3 facts about the subject2 points: Student shares 2 facts about the subject1 point: Student shares at least one fact about the subject. Conventions: Does the student use correct punctuation and capitalization? 4 points: Student begins all sentences with capitals, capitalizes proper nouns, no run on sentences and correct punctuation, including one question mark.3 points: Student begins all sentences with capitals, one or fewer run-on sentences, 2 or fewer errors in punctuation.2 points: Student begins sentences with capitals, ends with punctuation, 2 or fewer run-on sentences, 3 or fewer errors in punctuation.1 point: Student uses capital letters appropriately at least once, ends with punctuation. This rubric needs at least 2 more categories—it is easiest to score them with a possible 20 points. Consider Style, Organization or Focus. Rubrics in Table Form A table is a great way to clearly organize and present a rubric. Microsoft Word provides an easy table tool to lay out a rubric. For an example of a table rubric, please see a table rubric for a report on animals.