The Insurance Times

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Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.

"Lieutenant Frederick Henry Beecher was planning to make a visit home to see his family that Spring in 1868, when he received an order to embark on a new mission. Civil War General Phil Sheridan asked him to assist Major George "Sandy" Forsyth in recruiting and leading a unit of fifty elite civilian scouts, to search for Cheyenne and Sioux warriors and engage them in combat. Beecher was stationed at Fort Wallace in Kansas and had previously engaged with the Cheyenne during an attack on the Fort in the summer of 1867. He was known to be a good shot, and Major Forsyth thought highly of his skills, describing him as "...brave and modest, with a love of hunting and a natural taste for plainscraft; he was a splendid specimen of a thoroughbred American, and a most valuable man in any position requiring coolness, courage and tact." Ongoing conflict between nomadic Native peoples and civilians placed pressure on the under-resourced U.S. Army, leading to the use of civilian scouts. Beecher helped assemble a group known for their tracking skills, and they set off from Fort Hayes, Kansas, heading west for Fort Wallace. They arrived in September and soon learned of an attack on a freight train about thirteen miles east. The next morning, under Forsyth's command, they set out in pursuit of the raiders, following their trail into Yuma County Colorado. The scouts soon lost the trail, yet their travels did not go unnoticed. As they made camp on the south bank of the Arikakee River, a large party of Cheyenne and Sioux gathered nearby for a massive surprise attack"--

Every Sunday, Caro finds herself back in the place where it all began, lured by memory, guilt and all the losses she cannot reconcile. Constantly dwelling on the past, she immerses herself in work, where long hours insulate her from the world. For Caro, the present is two dimensional: it is history that is loaded with colour and scent. Sometimes she tries to get some perspective on those years, going over that terrible summer twenty years ago, when her band of three inseparable friends disintegrated forever. Estelle died two weeks after her fifteenth birthday. It was sudden, violent, shocking. Afterwards, Cormac left and never returned. Now she waits for release, which comes in the form of an unlikely alliance. Aifric Campbell's second novel is filled with longing - for childhood and the liberating power of friendship.

Insurance business in India had taken step first in open competitive market then to nationalization. For almost four decades LIC has been the sole player with virtual monopoly in the Life Insurance Sector, it was in 1990,s government of India ventured into policy of liberalization and privatization and once again the insurance sector is back to privatize and liberalized market. Hence today most of the private players are giving competition to the public sector company, As private players entered in the market the market is booming in insurance sector with various products for attracting the attention of customer consequently by the year 2000-2001 , 12 players entered the life insurance sector .which will effect the performance of life insurance corporation .Thus the LIC had never faced any competition and at the same time had monopoly in the market, now has to compete with the private players,. It is therefore important to study the performance of Life Insurance Corporation after the entry of the private players and after adapting liberalize policy by the government therefore it becomes imperative to evaluate the performance of life insurance Corporation of India. The entry of private players in the market after adapting privatization by the government had effected in the performance of the life insurance sector, which is the key sector in the financial system Hence there is primary need to evaluate the performance of LIC and to study the need of privatization in Life Insurance Sector at the same time to study impact of private entrants in Insurance Sector, especially with regard to performance of life Insurance Corporation of India The broader objective of this study is to evaluate the role of privatization on the performance of LIC. Following are the specific objectives of this study; 1. To evaluate the performance of LIC 2. To study the need of privatization in Life Insurance Sector 3. To study impact of private entrants in Insurance Sector, Specially with regard to performance of life Insurance Corporation of India The suggestion and criticism for the improvement in the research are welcome.