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Non Resident Indian or POI Lic policy
LIC POLICY LIST
Jeevan Anand Lic Policy
Jeevan Anurag Lic Policy
Jeevan Kishore Lic Policy
Jeevan Chhaya Lic Policy
Jeevan Saral Lic Policy
Jeevan Mitra 2 Lic Policy
Jeevan Mitra 3 Lic Policy
Jeevan Tarang Lic Policy
Komal Jeevan Lic Policy
Market Plus I Lic Policy
Child Career Plan Lic Policy
Child Future Plan Lic Policy
Jeevan Bharati Lic Policy
Money Plus-I Lic Policy
New Bima Gold Lic Policy
Amulya Jeevan-I Lic Policy
Group Insurance Lic Policy
Bima Bachat Lic Policy
Bima Nivesh Lic Policy
Money Back Policy-20
Money Back Policy-25
Non Resident Indian or POI Lic policy
NRI AND PIO LIC INDIA POLICY
What is 'NRI' ?
A citizen of Indian (having a valid passport of govt. of India) living temporarily in another country of his/her present Residence is called an NRI. If an NRI has applied or planning to apply for acquiring the citizenship of his/her present country of residence. Then he doesn't fall under the NRI class. Green Card holders and foreign Nationals of Indian origin are not considered as NRIs. They are treated as foreigners.
Insurance of NRI
The formalities of proposal can be completed on the visit of an NRI to with medical test report or special medical report & MHR competed in India.
The formalities of proposal can be completed through mail Order business from their present country of residence with medical test report /special medical report completed in present country of residence.
Salient Features
Age at entry: max 45 years.
For NRI all plan are allowed with the following restriction;
Under pure term insurance plan Max. sum Assured: Rs.25 lakhs
T.R. Benefit allowed: Max. Rs.25lakhs
C.I.R. Benefit: Not Allowed
Income proof: following documents are valid for income proof:
The copy of ITR filed in the country of residence.
In cash of ITR is not filed, a copy of employment contract mentioning salary or a certificate from a C.A. regarding business / other source of income.
Personal financial questionnaire (PEO) duly filled in and signed by the as proof of income up to a sum assured of Rs.25Lacs.
Sum Assured: Minimum sum assured of Rs.2lacs. Maximum sum Assured: No limit in multiples of Rs.1lac when all the formalities completed in India on his/her visit to India.
Requirements
Proposal from: Duly filed & signed by the proposer.
Medical examination repot along with special report, if any.
More Hazard Report (MHR) by the competent authority.
A copy passport.
Duly completed NRI questionnaire.
Payment of premiums under NRI policy
Through banking channels by direct remittance from the country of his/her present residence.
By cheques drawn on his/her non-resident (External) account foreign currency (Non -Resident) account with a bank in India (or joint account provide the policy holder is one of the account holder).
By cheques drawn on bank account held in India in their own names either solely or jointly with any resident member of their family whether the accounts have been designated as Non-Resident or not.
By cheques drawn on an account maintained by a resident parent or spouse of the non-resident policyholder with a bank in India, held solely or jointly with their close relatives. If the L.A. is a bonafied student, premiums can be accepted if paid in India, by some other person on his behalf.
If such policies have been assigned to resident of India, the premiums can be paid by the absolute assignee in India.
The premiums can be paid by the employers in respect of policies issued to their employees who have been deputed abroad by them.
A resident parent or spouse of the Non-Resident life assured can pay the premiums in cash by submitting a latter stating the relationship with the policyholder.
Non-Medical scheme
Under Non-Medical scheme the insurance is allowed to the NRI who are employed in Government or reputed commercial firm or to the professionals such as chartered accountants, cost Accountants, Engineers, Architects, Teachers, Doctors, Lawyers etc.
Max. age at enter: 45yrs NBD
restricted plan: 2,43,52,58,133,143,160,164, and TR
max S.A. : Rs5lacs, according to SUC i.e. rated up sum assured during last two full yes.
Max. aggregates S.A. : under plan nos.88,89,91,103,106,107,108,- rs2lacs
Under mail order business non-medical scheme is allowed only if all the formalities are completed during the agent's visit to the NRI,S present country of residence.
In the prescribed format MHR should be filled by the agent
Procedure for Non-Medical business
When NRI visits to India :- A copy of the passport is required
Mail order Business:- Under Non-Medical business an agent can completed proposal papers with nri questionnaire, special questionnaire and a copy of passport should be sent by the agent either by mail or handed over personally to the concerned Branch office.
Procedure for medical business
When NRI visits to India:- A copy of passport is required.
Mail order Business: The given procedure should be followed.
Agent's moral hazard report (MHR)
According to the present condition only chairman's club members have right to complete the formalities of NRI'S proposals if they visits to countries of their present residence. According to the recent decision this right has been give to the other agent also if they visits to NRI'S present country of residence.
Under medical business special questionnaire for mail order business
A special questionnaire is required if the agent does not visits the country of residence of the NRI to complete the formalities. The special questionnaire should be filled by:
Dean or principal of educational institutes if the proposer is a student.
The personal physician if the proposer is a self-employed / businessman.
The employer if the proposer is an employee.
The specified format of the questionnaire should be filled by the NRI'S and sent along with the completed proposal. Residence rating for the overseas countries Insurance for NRI'S residing in certain countries is not allowed. In respect to some of the countries residence extra is to be charged.
Settlement of claims:
The claimants residing outside India will get the claim amount in foreign currency only in proportion to which the amount of premiums paid in foreign currency in relation to the total premiums payable.
Settlement of claims for beneficiaries :
For non-resident beneficiaries: if non-resident beneficiaries desire their Insurance claims/maturity/surrender value to be settled in foreign currency, they may be permitted to credit the same to NER (non-resident external) FCNR (foreign currency non-resident). In cases of death claims begin settled in favour of non-resident assignees, claims/maturity proceeds/surrender value in respect of rupee life insurance policy issued to non-resident India for which premiums have been collected in non-repatriable rupees may be paid only in rupees by credit to NRO (non-resident ordinary) account of the beneficiary.
For resident beneficiaries: if the insurance claim / maturity / surrender values of the resident beneficiaries have been settled in foreign currency, it may be permitted to credit the same to REC (resident foreign currency) account on their desire.
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Tips to earn more revenue from Google Adsense!
TechBuzz.com
Latest Technology to Make Money Online
Home Archives Contact Partners Privacy Policy Search
20+ practical and ethical tips to earn more revenue from Google Adsense
Posted as Adsense
Making money online is the hot trend nowadays. In coming days I am sure you will see many working professional quit their day job and seat at home in their pajamas writing some blog posts to make their living.
There are tremendous opportunities to make money online. Currently Google Adsense is the best option for most of the publishers. Some basic optimization tips can double your Adsense revenue. Two sites having same traffic can have huge adsense revenue difference depending on the ad optimization.
Follow these simple Adsense optimization tips. Experiment for at least two weeks to see the results. Believe me I am not exaggerating because I am experimenting with Adsense on my different sites since long time and these are nothing but some practical and ethical tips to increase your Adsense revenue.
This is hard core material about increasing the Adsense revenue and not possible for anyone to double the income just overnight. I am not promoting or supporting any tricks to fool Adsense code.
Before beginning the tips story let’s have some Google policy recap:
According to Adsense policy don’t do these things:
1) Do not click on your own Adsense ads by any way.
2) Do not increase Adsense ad impressions with some automating tools.
3) Don’t ask others to click on your ads.
4) Don’t alter the Adsense code other than fonts and colors.
5) Don’t put Adsnese code on adult or prohibited content.
Now you know the things that are against the Google Adsense policy.
Here are some simple and “any one can follow” tips to optimize Adsense ads:
1) Blend your ads effectively with your site theme. Match your Adsense colors with your site colors.
2) Do not use borders to your text ads. Ads without border and matching background with site background color always perform well over other ad units.
3) Have some Ad color themes that perform best with your site. At least 2-3 well performing ad color formats should be ok. Rotate your ad units with these color themes. This is just to avoid Ad blindness.
4) Use link units in your site. Link units near site navigation links can perform well. Other advantages of link units are – you don’t need too much Ad space on your site and link units are not annoying to users.
5) Use Google site-specific search box with Adsense. This is the best option other than content targeted ads. You have option to select ad location on your site search result page. Put Adsense ads at the top and bottom of search result page. The best location of Google search box is – top right corner of your site.
6) Place 250×250 size Ad unit at the top of every page or post. If you are using Wordpress hosting then 250×250 text or image ad option should perform best for every site. Don’t forget to align this ad unit at right or left side of the post content as shown in the image below.
Use the
Latest Technology to Make Money Online
Home Archives Contact Partners Privacy Policy Search
20+ practical and ethical tips to earn more revenue from Google Adsense
Posted as Adsense
Making money online is the hot trend nowadays. In coming days I am sure you will see many working professional quit their day job and seat at home in their pajamas writing some blog posts to make their living.
There are tremendous opportunities to make money online. Currently Google Adsense is the best option for most of the publishers. Some basic optimization tips can double your Adsense revenue. Two sites having same traffic can have huge adsense revenue difference depending on the ad optimization.
Follow these simple Adsense optimization tips. Experiment for at least two weeks to see the results. Believe me I am not exaggerating because I am experimenting with Adsense on my different sites since long time and these are nothing but some practical and ethical tips to increase your Adsense revenue.
This is hard core material about increasing the Adsense revenue and not possible for anyone to double the income just overnight. I am not promoting or supporting any tricks to fool Adsense code.
Before beginning the tips story let’s have some Google policy recap:
According to Adsense policy don’t do these things:
1) Do not click on your own Adsense ads by any way.
2) Do not increase Adsense ad impressions with some automating tools.
3) Don’t ask others to click on your ads.
4) Don’t alter the Adsense code other than fonts and colors.
5) Don’t put Adsnese code on adult or prohibited content.
Now you know the things that are against the Google Adsense policy.
Here are some simple and “any one can follow” tips to optimize Adsense ads:
1) Blend your ads effectively with your site theme. Match your Adsense colors with your site colors.
2) Do not use borders to your text ads. Ads without border and matching background with site background color always perform well over other ad units.
3) Have some Ad color themes that perform best with your site. At least 2-3 well performing ad color formats should be ok. Rotate your ad units with these color themes. This is just to avoid Ad blindness.
4) Use link units in your site. Link units near site navigation links can perform well. Other advantages of link units are – you don’t need too much Ad space on your site and link units are not annoying to users.
5) Use Google site-specific search box with Adsense. This is the best option other than content targeted ads. You have option to select ad location on your site search result page. Put Adsense ads at the top and bottom of search result page. The best location of Google search box is – top right corner of your site.
6) Place 250×250 size Ad unit at the top of every page or post. If you are using Wordpress hosting then 250×250 text or image ad option should perform best for every site. Don’t forget to align this ad unit at right or left side of the post content as shown in the image below.
Use the
tag to align this ad unit. See more details on how to align Adsense ad unit at left or right of post content.
(Image: Position of Ad units and Search box)
7) Prefer Text ads instead of image ads. This will increase probability of more user interested ads. I will to suggest keep the text and image ad formats for your site. Use text and image ad format for following type of ad formats:
250×250 Square
160×600 wide skyscraper
336×280 large rectangle
300×250 medium rectangle
These are best performing ad units and will also increase your ad inventory.
8 ) Use section targeting to target ads relevant to your site or page content. Section targeting code is nothing but code tag provided by Google to direct their crawler to show relevant ads to page content. Use section targeting code on each page.
Here is the sample section targeting code:
– google_ad_section_start –
Content you want to target.
– google_ad_section_end –
If you want irrelevant content to be ignored, then use following tag:
– google_ad_section_start(weight=ignore) –
More details on section targeting can be found here.
Section targeting will increase ad relevancy and thus CTR.
9) Ad placement is important. Place the Adsense ads above the main fold, means user should see your top performing ad units without scrolling down on your site. This will increase Ad CTR.
10) High performing ad slots: Top of left sidebar and top of individual post. Try these ad slots on your site. Use link unit (obviously with blended color) at the top corner of left sidebar and 250×250 or 336×280 Text and image rectangle ad unit in your post content (Align at left or right side of post content).
11) Block low paying and irrelevant ads showing on your site. Use competitive ad filter Adsense feature for this. Do well study before blocking any ad unit. Some times one ad unit can give you $0.01 in one country and same ad unit might give you $1 in other country. So be careful while blocking the ads.
12) Use Google Adsense ad preview tool can help you to view all ads showing on your site and also helpful for blocking irrelevant ads.
13) Keep more white space around your ads. Do not burry your ads somewhere “out of focus” location. Site content should have enough breathing space so as your ad units.
14) Study your keywords. Target ads to these keywords. If you are not using section targeting Adsense feature then don’t forget to add your page-targeted keywords in the beginning of your post. Google Adsense crawler generally searches for first one or two paragraphs to target ads to that page.
15) You can increase number of ads to be displayed on your site’s main page and individual pages. But please not too many ads.
16) Placing images above or next to the ad units will increase ad visibility and more chances of click on such ads increasing your CTR.
17) Besides the top performers I mentioned in tip no 10, you can use following “heatmap” provided by Google to analyze other top performing ad placement slots. See the Image below. Ad slots with dark color are hot spots than the faint ones.
(Image: Google Adsense heat map)
18) Track all ad performance using Channels. Channels are nothing but individual ad units, which you can track for performance. Study the Adsense revenue report in detail. Don’t keep on changing ad formats, colors and placements every one or two days. Track the ad unit placement at least for 2 weeks to judge the ad slot performance.
19) Optimize your site for search engines. SEO is the key point for high traffic websites. Moreover traffic from search engines can convert well in case of Adsense ads. Users coming from search engines are clicking more on your Adsense ads than regular readers.
20) Ads placed in-between the content perform well. But keep in mind this can be annoying to your site readers. So avoid too much of blended ads in content.
If you have small posts then put ads at the top of the page content. If you have big post then ad units placed at the bottom or middle of the post can perform well. Do not use skyscraper ads in post content.
21) Test, Test and Test to work it best!!!
So integrating Adsense ads into your site content is the key point for high revenue from Google Adsense.
I am sure if you read every tip carefully and follow these tips you are not long away from doubling your Adsense revenue.
Like this post? Subscribe to receive latest tips via our RSS feed.
__________________________________________________________________
http://shobha-smartmoney.blogspot.com/
http://jeevanviajaya.blogspot.com/
http://commissionjunctionlinks.blogspot.com/
http://googlesitebuildit.blogspot.com/
http://unemploymentusa.blogspot.com/
http://linksharelinks.blogspot.com/
http://wealthscribe.blogspot.com/
http://nonresidentindianinsurance.blogspot.com/
(Image: Position of Ad units and Search box)
7) Prefer Text ads instead of image ads. This will increase probability of more user interested ads. I will to suggest keep the text and image ad formats for your site. Use text and image ad format for following type of ad formats:
250×250 Square
160×600 wide skyscraper
336×280 large rectangle
300×250 medium rectangle
These are best performing ad units and will also increase your ad inventory.
8 ) Use section targeting to target ads relevant to your site or page content. Section targeting code is nothing but code tag provided by Google to direct their crawler to show relevant ads to page content. Use section targeting code on each page.
Here is the sample section targeting code:
– google_ad_section_start –
Content you want to target.
– google_ad_section_end –
If you want irrelevant content to be ignored, then use following tag:
– google_ad_section_start(weight=ignore) –
More details on section targeting can be found here.
Section targeting will increase ad relevancy and thus CTR.
9) Ad placement is important. Place the Adsense ads above the main fold, means user should see your top performing ad units without scrolling down on your site. This will increase Ad CTR.
10) High performing ad slots: Top of left sidebar and top of individual post. Try these ad slots on your site. Use link unit (obviously with blended color) at the top corner of left sidebar and 250×250 or 336×280 Text and image rectangle ad unit in your post content (Align at left or right side of post content).
11) Block low paying and irrelevant ads showing on your site. Use competitive ad filter Adsense feature for this. Do well study before blocking any ad unit. Some times one ad unit can give you $0.01 in one country and same ad unit might give you $1 in other country. So be careful while blocking the ads.
12) Use Google Adsense ad preview tool can help you to view all ads showing on your site and also helpful for blocking irrelevant ads.
13) Keep more white space around your ads. Do not burry your ads somewhere “out of focus” location. Site content should have enough breathing space so as your ad units.
14) Study your keywords. Target ads to these keywords. If you are not using section targeting Adsense feature then don’t forget to add your page-targeted keywords in the beginning of your post. Google Adsense crawler generally searches for first one or two paragraphs to target ads to that page.
15) You can increase number of ads to be displayed on your site’s main page and individual pages. But please not too many ads.
16) Placing images above or next to the ad units will increase ad visibility and more chances of click on such ads increasing your CTR.
17) Besides the top performers I mentioned in tip no 10, you can use following “heatmap” provided by Google to analyze other top performing ad placement slots. See the Image below. Ad slots with dark color are hot spots than the faint ones.
(Image: Google Adsense heat map)
18) Track all ad performance using Channels. Channels are nothing but individual ad units, which you can track for performance. Study the Adsense revenue report in detail. Don’t keep on changing ad formats, colors and placements every one or two days. Track the ad unit placement at least for 2 weeks to judge the ad slot performance.
19) Optimize your site for search engines. SEO is the key point for high traffic websites. Moreover traffic from search engines can convert well in case of Adsense ads. Users coming from search engines are clicking more on your Adsense ads than regular readers.
20) Ads placed in-between the content perform well. But keep in mind this can be annoying to your site readers. So avoid too much of blended ads in content.
If you have small posts then put ads at the top of the page content. If you have big post then ad units placed at the bottom or middle of the post can perform well. Do not use skyscraper ads in post content.
21) Test, Test and Test to work it best!!!
So integrating Adsense ads into your site content is the key point for high revenue from Google Adsense.
I am sure if you read every tip carefully and follow these tips you are not long away from doubling your Adsense revenue.
Like this post? Subscribe to receive latest tips via our RSS feed.
__________________________________________________________________
http://shobha-smartmoney.blogspot.com/
http://jeevanviajaya.blogspot.com/
http://commissionjunctionlinks.blogspot.com/
http://googlesitebuildit.blogspot.com/
http://unemploymentusa.blogspot.com/
http://linksharelinks.blogspot.com/
http://wealthscribe.blogspot.com/
http://nonresidentindianinsurance.blogspot.com/
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