Virtual office service providers offer a recognisable business address that you can provide on business cards and letterheads, a phone number and an executive to handle calls and answer mails.

If you are looking to buy a traditional endowment policy, it's best to wait till next year. Not only will you get a better product, you will also pay less commission to your insurance agent. Traditional endowment policies are set to get cheaper and better.

An e-insurance account will help you keep track of all your policies-renewal date, surrender date, policy maturity date, etc, reducing the stress of physical documentation. You can also modify and maintain policies online.

SV Ramanan, Chief Executive Officer, CAMS Repository Services, talks to Money Today on how the e-insurance repository will help customers.

Retirement can be an ideal opportunity to relocate to a more peaceful place that is affordable and has favourable weather. However, leaving the big city can be rather difficult if you are used to its many unique conveniences. We suggest a few cities that will give you the best of both worlds.

Insurance from banks might be the economic option for those who have to pay higher than normal for a health plan. This includes those who have a pre-existing condition, fall in the higher age bracket or miss having the benefits of an employer's group health plan.

The Insurance Repository will provide policyholders the facility to keep insurance policies in electronic form reducing the need for safekeeping a document.

Websites specialising in group buying deals are floundering. Some have closed, while others have been forced to change their business model.

A 'return of premium' plan is a term plan with death benefits. It returns the premium paid if the policyholder survives the policy term. In regular term insurance, insurers pay only when the insured person dies.

In insurance parlance, a natural calamity that leads to losses such as in the recent floods in Uttarkhand are called 'Acts of God'. The claims procedure can be complicated as policy documents may not available in most cases and there may be no proof of death.

Natural disasters like the one unfolding in Uttarakhand takes a big toll on human life, property and the survivors. Many a times, insurers relax the norms for settling claims.

Expect a much better claim experience afterstandardisation norms for health insurance. The first, and perhaps the most important, thing Irda has done is clearly define 46 common terms and 11 critical illness procedures.

Anuj Gulati, Managing Director and CEO, Religare Health Insurance, on standardisation of health insurance norms.

V Jagannathan, CMD, Star Health and Allied Insurance, on standardisation of health insurance norms -

Antony Jacob, CEO, Apollo Munich Health Insurance, on standardisation of health insurance norms-

Joydeep Roy, CEO, L&T General Insurance, on standardisation of health insurance norms -

Manasije Mishra, CEO, Max Bupa Health Insurance, speaks to Chandralekha Mukerji about the new health insurance standardisation guidelines.

Buying health insurance is difficult. The problem is compounded if you fall in the high-risk category. What can you do in such a case? We look at a few such complex situations and find the best possible way out of them.

How to improve your chances of getting hired after a career break.

Whatever the reason-family, health or education-an applicant who has taken a career break makes recruiters apprehensive even if one manages to convince them about their ability. So, one must be prepared to explain the reasons for the break.