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Ensign Insurance brokers Private Limited

Insurance, India, Maharashtra, Mumbai

Ensign Insurance brokers Private Limited provides comprehensive insurance solutions tailored to your needs, ensuring peace of mind and financial security in an unpredictable world.

About Ensign Insurance brokers Private Limited

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Basics

Type
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Founded
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Total Employees
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Employees on Linkedin
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Employees on OWCareers
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Main Office
India, Maharashtra, Mumbai
Official Website
http://www.ensigninsure.com
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FAQs – Ensign Insurance brokers Private Limited

What is the difference between indemnity and compensation?

Indemnity specifically restores financial losses without resulting in a profit, whereas compensation may include additional payments for inconvenience, pain, or suffering, such as in personal injury cases. Indemnity strictly adheres to actual financial losses.


What is insurable interest in an insurance policy?

Insurable interest means the policyholder must have a financial stake in the insured person or property, ensuring they suffer a loss if damage or death occurs.


How does the FCA prevent fraud in the insurance industry?

The FCA enforces strict compliance with anti-fraud laws, conducts investigations, and requires firms to implement fraud detection systems. It collaborates with agencies like the Serious Fraud Office (SFO) and Financial Ombudsman Service to combat financial crime.


What types of professionals require Professional Liability Insurance?

Lawyers, accountants, architects, engineers, consultants, insurance agents, healthcare providers, real estate agents, and technology professionals are just a few examples of those who should have this coverage.


What is the best age to buy term life insurance?

The best time to buy is when you are young and healthy, as premiums are lower and coverage remains affordable over time.


Are there government-set limits for out-of-pocket maximums?

Yes, the Affordable Care Act (ACA) sets an annual cap on out-of-pocket maximums for marketplace health plans. These limits change each year. In 2024, for example, the limit is $9,450 for an individual and $18,900 for a family plan.


What happens if a beneficiary predeceases the policyholder?

If a beneficiary dies before the policyholder, the benefits may go to a contingent beneficiary. If no contingent is named, benefits may be distributed according to policy terms or legal processes.


How can someone get involved with the SOA beyond exams?

Members can volunteer, join committees, attend events, contribute research, mentor students, and participate in leadership roles within the SOA.


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