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Insurance Update :-
In this article I will be writing about the loan against LIC policy. As I have explained in my previous articles about the different kind of loans and how to apply for it. Loans agaist LIC policy is one of the good idea to get loans for cheaper price. It involves many restrictions because you will not be eligible to get huge loans under this scheme even if you have the policy. I will explain the conditions involved in getting the loan against LIC policy. If you have any doubts please post it in the comments section.
What is Cash Value for LIC policy?
In my previous article I have explained what is surrender value?. Cash Value is also referred as the Surrender Value of the polciy. Before applying for the loan you must know the exact cash value of the policy because if it is very low then there is no point in applting the loan if your need is huge amount.
Loan on LIC
The provision of loan against a life insurance policy is basically an advance against the cash value (surrender value) of the policy. The advance is always less than the case value. Most of the insureres approve 90% of the cash value of the policy. In case a loan is provided, the policy is absolutely assigned and held by the insurance company as security for repayment of the loan.
• You have to pay the interest specified in the loan.
• If you failed to pay the interest on time, that will be added to the principla and calculated the interest.
• If the total dept is more than the cash value, the insurer has the rights to terminate your policy.
• If the policy is matured before completing the loan, insurer has the rights to deduct the loan amount from your maturity amount.

Monica Bellucci Italian actress & model

Monica Bellucci
(born 30 September 1964) is an
Italian actress and fashion model

Bridging finance - loans - Adverse - bad credit mortgage

Borrowing Student Loans Responsibly
As you may know, student loans are today’s largest form of student aid. Researches have found out that it made up to 54 percent of the total aid awarded every year. However, with the rise of student loans, several cases of student loan defaults occur. The student loan debt is even today’s one of the major problems of most student borrowers. It is rising every year and the college expenses as well as the graduate school costs have definitely gone up faster than inflation. Well, let me tell you that this case often surface when you take a particular loan then another student loan followed by another loan. It is often said that as much as you take student loan offers, your loan debt gets bigger and bigger. Since the case for student loan debt always happens and it carries certain burdens to the attainment of the student’s dream of higher education, it is then important that you consider some steps that will help you lower or manage your debts. Perhaps one of the most necessary things to consider is to borrow loans responsibly.
Think Before Your Borrow
Many people find it easy to rush through the student loan process. However, if you take a minute considering some of the money saving tips mentioned below, you could save yourself some bucks in the long run.