OJAS GUJARAT

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Insurance is a means of protection from financial loss. It is a form of RISK MANAGMENT primarily used to HEDGE against the risk of a contingent, uncertain loss.
An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an INSURABLE INTREST established by ownership, possession, or preexisting relationship.
The insured receives a CONTRACT called the INSURANCE POLICY which details the conditions and circumstances under which the insured will be financially compensated. The amount of money charged by the insurer to the insured for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a CLAIMS ADJUSTER.
Methods for transferring or distributing risk were practiced by CHINESE and BABYLOANIUM traders as long ago as the3RD and 2ND MILLENNIA BC, respectively. Chinese merchants travelling treacherous river rapids would redistribute their wares across many vessels to limit the loss due to any single vessel's capsizing. The Babylonians developed a system which was recorded in the At some point in the 1st millennium BC, the inhabitants of created the '. This allowed groups of merchants to pay to insure their goods being shipped together. The collected premiums would be used to reimburse any merchant whose goods were jettisoned during transport, whether to storm or sinkage.
Separate insurance contracts (i.e., insurance policies not bundled with loans or other kinds of contracts) were invented in in the 14th century, as were insurance pools backed by pledges of landed estates. The first known insurance contract dates from GENOA in 1347, and in the next century maritime insurance developed widely and premiums were intuitively varied with risks. These new insurance contracts allowed insurance to be separated from investment, a separation of roles that first proved useful in MARINE INSURANCE
If the Insured has a "reimbursement" policy, the insured can be required to pay for a loss and then be "reimbursed" by the insurance carrier for the loss and out of pocket costs including, with the permission of the insurer, claim expenses.

Under a "pay on behalf" policy, the insurance carrier would defend and pay a claim on behalf of the insured who would not be out of pocket for anything. Most modern liability insurance is written on the basis of "pay on behalf" language which enables the insurance carrier to manage and control the claim.

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A mutual fund is both an investment and an actual company. This may seem strange, but it is actually no different than how a share of APL is a representation of Apple, Inc. When an investor buys Apple stock, he is buying part ownership of the company and its assets. Similarly, a mutual fund investor is buying part ownership of the mutual fund company and its assets. The difference is Apple is inthe business of making smartphones and tablets, while a mutual fund company is in the business of making investments.Mutual funds pool money from the investing public and use that money to buy other securities, usually stocks and bonds. The value of the mutual fund company depends on the performance of the securities it decides to buy. So when you buy a shareof a mutual fund, you are actually buying the performance of its portfolio.
Mutual funds invest in stocks, but certain types also invest in government and corporate bonds. Stocks are subject to the whims of the market and thus offer a higher return potential than bonds, but they also present more risk. Bonds, by contrast, provide a fixed return that is usually much lower than what an investor gets from stocks. The advantage of bonds is they are low risk. Only in an extreme situation, such as the complete failure of acorporation, does an investor not receive the return he was promised from a bond security. A mutual fund's investment profile depends on the type of fund. There are three main types: equity funds, fixed-income funds and balanced funds.
A mutual fund is both an investment and an actual company. This may seem strange, but it is actually no different than how a share of APL is a representation of Apple, Inc. When an investor buys Apple stock, he is buying part ownership of the company and its assets. Similarly, a mutual fund investor is buying part ownership of the mutual fund company and its assets. The difference is Apple is inthe business of making smartphones and tablets, while a mutual fund company is in the business of making investments.Mutual funds pool money from the investing public and use that money to buy other securities, usually stocks and bonds. The value of the mutual fund company depends on the performance of the securities it decides to buy. So when you buy a shareof a mutual fund, you are actually buying the performance of its portfolio.
Mutual funds invest in stocks, but certain types also invest in government and corporate bonds. Stocks are subject to the whims of the market and thus offer a higher return potential than bonds, but they also present more risk. Bonds, by contrast, provide a fixed return that is usually much lower than what an investor gets from stocks. The advantage of bonds is they are low risk. Only in an extreme situation, such as the complete failure of acorporation, does an investor not receive the return he was promised from a bond security. A mutual fund's investment profile depends on the type of fund.
There are three main types: equity funds, fixed-income funds and balanced funds.

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Railway Recruitment Board plans to recruit large number of vacancies in various departments this year. Here we have RRB Previous Exam papers of different divisions like Allahabad, Amhedabad, Ajmer, Bangalore, Bhopal, Bhubaneswar, Bilaspur, Chandigarh, Chennai, Gorakhpur, Guwahati, Jammu,, kolkata, Malda, Mumbai, Muzaffarpur, Patna, Ranchi, Secunderabad, Siluguri, Thiruvananthapuram. RRB is planning to release thousands of new vacancies in various departments. So, the candidates planning to apply for RRB Exam 2017 should prepare before the Notification releases. It expected to be High competition for Upcoming RRB Exam 2017. The candidates should also know the RRB Exam Syllabus and Exam Pattern before they start their preparation. Knowing well about the Exam makes you prepare according the Syllabus. Preparation is the only key to crack the Exam. So, the aspirants need to prepare as much as they can for RRB Exam.

We suggest every candidate who wants to get placed in RRB Jobs 2017 to go through RRB Previous paper and Sample Papers. The one who can solve more questions in less time will good score and can be selected. So, for one need to practice more to improve their speed in solving tough questions. We are here to help to overcome such problems by providing you more and more RRB Mock Test papers 2017-18 to make your preparation better.
Subject : Railway Old Paper no. 1

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