in imaging science , image processing is processing of images using mathematical operations by using any form of signal processing for which the input is an image , a series of images or a video , such as a photograph or video frame ; the output of image processing may be either an image or a set of characteristics or parameters related to the image .

most image-processing techniques involve isolating the individual color planes of an image and treating them as two-dimensional signal and applying standard signal-processing techniques to them .

images are also processed as three-dimensional signals with the third dimension being time or the z-axis .

image processing usually refers to digital image processing , but optical and analog image processing also are possible .

this article is about general techniques that apply to all of them .

the acquisition of images ( producing the input image in the first place ) is referred to as imaging .

closely related to image processing are computer graphics and computer vision .

in computer graphics , images are manually made from physical models of objects , environments , and lighting , instead of being acquired ( via imaging devices such as cameras ) from natural scenes , as in most animated movies .

computer vision , on the other hand , is often considered high-level image processing out of which a machine/computer/software intends to decipher the physical contents of an image or a sequence of images ( e.g. , videos or 3d full-body magnetic resonance scans ) .

in modern sciences and technologies , images also gain much broader scopes due to the ever growing importance of scientific visualization ( of often large-scale complex scientific/experimental data ) .

examples include microarray data in genetic research , or real-time multi-asset portfolio trading in finance .

microscope image processing specializes in the processing of images obtained by microscope .

image processing

digital image processing has dominated over analog image processing with the passage of time due its wider range of applications .
image processing toolbox™ provides a comprehensive set of reference - standard algorithms and workflow apps for image processing , analysis , visualization , and algorithm development . you can perform image segmentation , image enhancement , noise reduction , geometric transformations , image registration , and 3d image processing .
the digital image processing deals with developing a digital system that performs operations on an digital image .
the two types of methods used for image processing are analog and digital image processing . analog or visual techniques of image processing can be used for the hard copies like printouts and photographs . image analysts use various fundamentals of interpretation while using these visual techniques . the image processing is not just confined to area that has to be studied but on knowledge of analyst . association is another important tool in image processing through visual techniques . so analysts apply a combination of personal knowledge and collateral data to image processing .
image processing apps enable you to quickly access common tasks through an interactive interface .
explore documentation for image processing toolbox functions and features , including release notes and examples .
signal processing is an umbrella and image processing lies under it . the amount of light reflected by an object in the physical world ( 3d world ) is pass through the lens of the camera and it becomes a 2d signal and hence result in image formation . this image is then digitized using methods of signal processing and then this digital image is manipulated in digital image processing .
image processing – this research incorporates structural and functional mri in neurology , analysis of bone shape and structure , development of functional imaging tools in oncology , and pet image processing software development .
analog image processing is done on analog signals . it includes processing on two dimensional analog signals . in this type of processing , the images are manipulated by electrical means by varying the electrical signal . the common example include is the television image .
out of all these signals , the field that deals with the type of signals for which the input is an image and the output is also an image is done in image processing . as it name suggests , it deals with the processing on images .
image processing toolbox apps let you automate common image processing workflows . you can interactively segment image data , compare image registration techniques , and batch - process large data sets . visualization functions and apps let you explore images , 3d volumes , and videos ; adjust contrast ; create histograms ; and manipulate regions of interest ( rois ) .
there are many ways to start using image processing toolbox . download a free trial , or explore pricing and licensing options .
the abundance of cameras has created overwhelming amounts of image and video data , and the demand for image processing has only increased in order to decipher and understand the data .
the wolfram image processing solution seamlessly integrates specialized capabilities—like state - of - the - art 2d and 3d image processing functions , easy import of data , and an interactive interface—with the speed and performance benefits of gpu computation , parallel processing , out - of - core technology , and instant deployment on the web and through apis .
is a method to convert an image into digital form and perform some operations on it , in order to get an enhanced image or to extract some useful information from it . it is a type of signal dispensation in which input is image , like video frame or photograph and output may be image or characteristics associated with that image . usually image processing system includes treating images as two dimensional signals while applying already set signal processing methods to them .
i am new to image processing . i got a project on fuzzy c means and to implement it to enchance the image . can anyone help me share me links on it
output is the last stage in which result can be altered image or report that is based on image analysis .
work with c / c + + and hdl code ; run image processing algorithms on pc hardware , fpgas , and asics ; and develop imaging systems .
it is among rapidly growing technologies today , with its applications in various aspects of a business . image processing forms core research area within engineering and computer science disciplines too .
analyzing and manipulating the image which includes data compression and image enhancement and spotting patterns that are not to human eyes like satellite photographs .
digital mammograms – this is used to detect the breast tumour . mammograms can be analyzed using image processing techniques such as segmentation , shape analysis , contrast enhancement , feature extraction , etc .
drag and drop images into lines of code or equations ; apply sophisticated image processing algorithms ; and analyze , visualize , and generate interactive applications—all in one system , with one integrated workflow .
processing is an open project intiated by ben fry and casey reas . it is developed by a team of volunteers .
signal processing is a discipline in electrical engineering and in mathematics that deals with analysis and processing of analog and digital signals , and deals with storing , filtering , and other operations on signals . these signals include transmission signals , sound or voice signals , image signals , and other signals e . t . c .
explore the fundamentals of image processing with matlab . download image processing resource kit : urltoken get a free matlab trial : urltoken ready to buy : urltoken cameras are everywhere , even in your phone . you might have a new idea for using your camera in an engineering and scientific application , but have no idea where to start . while image processing can seem like a black art , there are a few key workflows to learn that will get you started . in this webinar we explore the fundamentals of image processing using matlab . through several examples we will review typical workflows for : image enhancement – removing noise and sharpening an image image segmentation – isolating objects of interest and gathering statistics image registration – aligning multiple images from different camera sources previous knowledge of matlab is not required . about the presenter : andy the ' holds a b . s . in electrical engineering from georgia institute of technology and a b . a . in business from kennesaw state university . before joining mathworks , andy spent 12 years as a field applications engineer focused on embedded processors at texas instruments , and 3 years as a product marketing manager for real - time software at intervalzero .
best defination . i am a information systems student . for image processing there is an open online community . and please help me to compose the research proposal . . . send me on mr . g75 @ urltoken
digital processing techniques help in manipulation of the digital images by using computers . as raw data from imaging sensors from satellite platform contains deficiencies . to get over such flaws and to get originality of information , it has to undergo various phases of processing . the three general phases that all types of data have to undergo while using digital technique are pre - processing , enhancement and display , information extraction .
we all are in midst of revolution ignited by fast development in computer technology and imaging . against common belief , computers are not able to match humans in calculation related to image processing and analysis . but with increasing sophistication and power of the modern computing , computation will go beyond conventional , von neumann sequential architecture and would contemplate the optical execution too . parallel and distributed computing paradigms are anticipated to improve responses for the image processing results .
hii . . . . i am ph . d student and i am new to video processing . . i want real life time concept based on video processing like biomedical , upload videos in youtube etc . , so , anybody knows na plz reply me as soon as possible .
good day everyone . i am a computer science student . rigth now we doing our thesis about automated waste segregation i just want to apply image processing inthis topic because i think it is more usefull to have this in our thesis .
the image ( ) function draws an image to the display window . images must be in the sketch ' s
data
directory to load correctly . select
add file . . .
from the
sketch
menu to add the image to the data directory , or just drag the image file onto the sketch window . processing currently works with gif , jpeg , and png images . the img parameter specifies the image to display and by default the a and b parameters define the location of its upper - left corner . the image is displayed at its original size unless the c and d parameters specify a different size . the imagemode ( ) function can be used to change the way these parameters draw the image . the color of an image may be modified with the tint ( ) function . this function will maintain transparency for gif and png images .
increase the signal - to - noise ratio and accentuate image features using custom or predefined filters .
this reference is for processing 3 . 0 + . if you have a previous version , use the reference included with your software in the help menu . if you see any errors or have suggestions , please let us know . if you prefer a more technical reference , visit the processing core javadoc and libraries javadoc .
the above figure is an example of digital image that you are now viewing on your computer screen . but actually , this image is nothing but a two dimensional array of numbers ranging between 0 and 255 .
explore different approaches to image segmentation , including automatic thresholding , edge - based methods , and morphology - based methods .
computer graphics deals with the formation of images from object models , rather then the image is captured by some device . for example : object rendering . generating an image from an object model . such a system would look something like this .
artificial intelligence is more or less the study of putting human intelligence into machines . artificial intelligence has many applications in image processing . for example : developing computer aided diagnosis systems that help doctors in interpreting images of x - ray , mri e . t . c and then highlighting conspicuous section to be examined by the doctor .
the value of f ( x , y ) at any point is gives the pixel value at that point of an image .
automatic surface inspection systems – in metal industries it is essential to detect the flaws on the surfaces . for instance , it is essential to detect any kind of aberration on the rolled metal surface in the hot or cold rolling mills in a steel plant . image processing techniques such as texture identification , edge detection , fractal analysis etc are used for the detection .
imaging technology – development in image technology have formed the requirement to establish whether new technologies are effective and cost beneficial . this technology works under the following areas :
since capturing an image from a camera is a physical process . the sunlight is used as a source of energy . a sensor array is used for the acquisition of the image . so when the sunlight falls upon the object , then the amount of light reflected by that object is sensed by the sensors , and a continuous voltage signal is generated by the amount of sensed data . in order to create a digital image , we need to convert this data into a digital form . this involves sampling and quantization . ( they are discussed later on ) . the result of sampling and quantization results in an two dimensional array or matrix of numbers which are nothing but a digital image .
pimage img ; void setup ( ) { / / images must be in the
data
directory to load correctly img = loadimage (
ladefense . jpg
) ; } void draw ( ) { image ( img , 0 , 0 ) ; image ( img , 0 , 0 , width / 2 , height / 2 ) ; }
your virtual face or picture . pictures larger than 75x75 pixels will be scaled down . if the image is beyond the maximum dimensions , it will be resized to fit within the maximum dimensions .
an image is nothing more than a two dimensional signal . it is defined by the mathematical function f ( x , y ) where x and y are the two co - ordinates horizontally and vertically .
heart disease identification– the important diagnostic features such as size of the heart and its shape are required to know in order to classify the heart diseases . to improve the diagnosis of heart diseases , image analysis techniques are employed to radiographic images .
pimage img ; void setup ( ) { / / images must be in the
data
directory to load correctly img = loadimage (
ladefense . jpg
) ; } void draw ( ) { image ( img , 0 , 0 ) ; }
machine vision or computer vision deals with developing a system in which the input is an image and the output is some information . for example : developing a system that scans human face and opens any kind of lock . this system would look something like this .
since anything that conveys information or broadcast a message in physical world between two observers is a signal . that includes speech or ( human voice ) or an image as a signal . since when we speak , our voice is converted to a sound wave / signal and transformed with respect to the time to person we are speaking to . not only this , but the way a digital camera works , as while acquiring an image from a digital camera involves transfer of a signal from one part of the system to the other .
the two dimensional signals are those that are measured over some other physical quantities . the example of two dimensional signal is a digital image . we will look in more detail in the next tutorial of how a one dimensional or two dimensional signals and higher signals are formed and interpreted .
automatic inspection of incandescent lamp filaments – this involves examination of the bulb manufacturing process . due to no uniformity in the pitch of the wiring in the lamp , the filament of the bulb gets fused within a short duration . in this application , a binary image slice of the filament is created from which the silhouette of the filament is fabricated . silhouettes are analyzed to recognize the non uniformity in the pitch of the wiring in the lamp . this system is being used by the general electric corporation .
– aerial surveillance methods are used to continuously keep an eye on the land and oceans . this application is also used to locate the types and formation of naval vessels of the ocean surface . the important duty is to divide the various objects present in the water body part of the image . the different parameters such as length , breadth , area , perimeter , compactness are set up to classify each of divided objects . it is important to recognize the distribution of these objects in different directions that are east , west , north , south , northeast , northwest , southeast and south west to explain all possible formations of the vessels . we can interpret the entire oceanic scenario from the spatial distribution of these objects .
you can accelerate your algorithms by running them on multicore processors and gpus . many toolbox functions support c / c + + code generation for desktop prototyping and embedded vision system deployment .
use apps and functions to acquire , visualize , analyze , and process images in many data types .
extract meaningful information from images , such as finding shapes , counting objects , identifying colors , or measuring object properties .
test , verify , and prototype c / c + + code with matlab .
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– this technique can be used in automatic number plate recognition and traffic sign recognition .
– for this application , sensors capture the pictures of the earth’s surface in remote sensing satellites or multi – spectral scanner which is mounted on an aircraft . these pictures are processed by transmitting it to the earth station . techniques used to interpret the objects and regions are used in flood control , city planning , resource mobilization , agricultural production monitoring , etc .
– this application enables to measure motion parameters and acquire visual record of the moving object . the different types of approach to track an object are :
– for medical diagnosis , different types of imaging tools such as x - ray , ultrasound , computer aided tomography ( ct ) etc are used . the diagrams of x - ray , mri , and computer aided tomography ( ct ) are given below .
lung disease identification – in x - rays , the regions that appear dark contain air while region that appears lighter are solid tissues . bones are more radio opaque than tissues . the ribs , the heart , thoracic spine , and the diaphragm that separates the chest cavity from the abdominal cavity are clearly seen on the x - ray film .
– this application improves the quality and productivity of the product in the industries .
faulty component identification – this application identifies the faulty components in electronic or electromechanical systems . higher amount of thermal energy is generated by these faulty components . the infra - red images are produced from the distribution of thermal energies in the assembly . the faulty components can be identified by analyzing the infra - red images .
cancer imaging – different tools such as pet , mri , and computer aided detection helps to diagnose and be aware of the tumour .
brain imaging – focuses on the normal and abnormal development of brain , brain ageing and common disease states .
i think u r trying to access code section memory location which may or may not be in use . . . if u r trying to to access data section memory location than put
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very dificult language to understand . . . . . i need it 4 ma project . . . . more content ( if possible ) will help me . . . . thnx if managed !
please help me to compose the research proposal . . . send me on javedinsaf @ urltoken . .
< p > thanks for the above information . . . < / p > < p > & nbsp ; < / p >
low noise , low power , high speed , 18 - bit , precision pseudo differential sar adcs that lower the signal chain power , reduce signal chain complexity , and enable higher channel density .
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each number represents the value of the function f ( x , y ) at any point . in this case the value 128 , 230 , 123 each represents an individual pixel value . the dimensions of the picture is actually the dimensions of this two dimensional array .
in physical world , any quantity measurable through time over space or any higher dimension can be taken as a signal . a signal is a mathematical function , and it conveys some information .
a signal can be one dimensional or two dimensional or higher dimensional signal . one dimensional signal is a signal that is measured over time . the common example is a voice signal .
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it is my number one tool to move forward and propose new ideas that will help us to develop algorithms that are more adapted to our customers ' needs .
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shirpur gold refinery ( bse : 512289 | nse : ageegold ) is india 's first and asia 's largest gold refinery headquartered in mumbai .

it is a green field precious metal refinery with installed capacity to refine 217 mt p.a. of gold and silver respectively in shirpur , dhule and maharashtra .

sgrl is a public ltd company with its shares listed in bse & nse .

it is a state-of-the-art refinery , occupying a 50-acre ( 200,000 m ² ) complex set up at a cost of ₹ 2.5 billion ( us$ 37 million ) .

it is among the most advanced in the world and also owns its own airport with 24-hour landing facilities .

shirpur gold refinery - key fundamentals market cap ( rs cr . ) : 222 eps - ttm ( rs ) : 3.62 p/e ratio ( x ) : 21.19 face value ( rs ) : 10.00 latest div .

( % ) : nan div .

yield ( % ) : n.a. book value / sh . ( rs ) : 82.75 p/b ratio ( x ) : 0.92

shirpur gold refinery

during the year 2002 , the name of the company was changed to shirpur gold refinery ltd .
shirpur gold refinery ( sgrl ) incorporated in 1984 , has set up a greenfield precious metal refinery with installed capacity to refine 217 mt per annum . of gold and silver respectively at shirpur & nbs . . . ;
the refinery & registered office is situated in shirpur tal , dist . dhule , maharashtra state . shirpur is on nh3 , about 410 km away from mumbai .
shirpur gold refinery statement of investor complaint under reg . 13 ( 3 ) of sebi ( lodr ) regulations , 2015 for quarter ended december 31 , 2016
shirpur gold refinery statement of investor complaint under reg . 13 ( 3 ) of sebi ( lodr ) regulations , 2015 for quarter ended september 30 , 2016
shirpur gold refinery ltd . , incorporated in the year 1984 , is a small cap company ( having a market cap of rs 260 . 92 crore ) operating in mining sector .
sir , shirpur gold has run from 80 level to 116 . whats your view here . hold or buy - deepak
in distant shirpur , the inauguration of the rs 257 - crore precious metals refinery of agee gold refiners ltd was reason to celebrate . this was more than evident in the huge turnout at the venue .
shirpur gold refinery ltd . 18th floor , ' a ' wing , marathon futurex , n . m . joshi marg , lower parel , mumbai - 400 018 . tel : 022 - 71061234 fax : 022 - 71545940
shirpur gold refinery limited ' s wholly owned 100 % dubai subsidiary ( wos ) , namely ' zee gold dmcc ' has commenced it ' s commercial activities w . e . f . january 05 , 2016 . the wos was incorporated with the main objects of dealing in precious metals .
uy shirpur gold bse code 512289 @ 200 / = for a target of 15000 . guys grab it . it is zee group comapny . production starting anytime now .
the company has set up indias first private sector gold refinery at shirpur , maharashtra at an estimated cost of rs 257 crore on the growing demand for the metals . the refinery has an installed capacity of 217 tonnes for gold and a similar capacity for silver . the refinery has been set up using imported equipment from singapore . the furnaces are from australia and new zealand , while the laboratories are from us . the plant is equipped to cater to a wide range of value added end products like tt and kilo bars , wafers , coins and other intermediates . refining of gold and silver will involve two - stage process . in the first stage , impurities will be removed with the help of chlorine for gold and oxygen for silver and in the second stage , which is an electrolytic process , contaminants will be removed bringing the gold to a 99 . 99 % purity .
shirpur gold 512289 code for latest update : kirtiscripscan . net words nahi hai thareef karne ke liye , hamara great guru sharma ji , kya bole ga sacchi niklega . great . great . great . . he told only one thing . 100 shares of shirpur in comming years is equivalent to one mercedes benz . it is true . shirpur is going to rock . . hold it . dont sell it . its goldmine . . . .
however , euphoria over the setting up of a refinery seems misplaced , though applauses came in thick and fast for statements by political dignitaries .
promoted by the politically inclined patel brothers of autoriders fame , agee gold refiners in its full capacity is expected to produce 217 tonnes of gold and 217 tonnes of silver .
shirpur gold refinery ltd . key products / revenue segments include metals precious which contributed rs 1085 . 44 crore to sales value ( 63 . 78 % of total sales ) , gold which contributed rs 597 . 09 crore to sales value ( 35 . 08 % of total sales ) , other operating revenue which contributed rs 19 . 20 crore to sales value ( 1 . 12 % of total sales ) for the year ending 31 - mar - 2017 .
the refinery , set up with the latest technology provided by the us - based precious metals technologies inc ( pmt ) , has jobs for 120 people .
do hold your stock . buy / accumulate more on dips . if held long then the stock of shirpur gold will be goldmine and could prove another jai corporation . i too have holding in this stock at 163 level . thanks .
shirpur gold refinery ltd ( sgrl ) , a part of essel ( subhash chandra ) group is one of the leading players in the precious metals market in india . at sgrl we strive to meet the highest expectations of our quality - conscious consumers . with state - of - the - art refining & minting processes and professionally driven management coupled with experienced manpower , we take pride in ourselves in producing gold & silver bars and coins which meet the strictest international standards in quality . read more : urltoken
the inauguration of the airport , with night - landing facilities at shirpur , therefore , assumes importance as the logistics of importing raw material becomes easy .
domestically produced gold is something new for the indian gold market , the largest in the world . the company officials point out that ` preferred ' buyers will be appointed and they will act as bullion dealers .
the gold , to be produced in 10 - tola bars , will be branded zee gold , made possible by an arrangement with zee network . agee gold refiners will pay 20 per cent of its net profit as royalty for using the brand . silver will be produced in 1 kg , 5 kg and 35 k g bars .
shirpur gold was promoted by the patels of autoriders group and it it is the first and largest gold refinery in india . the prestige and dream of autoriders group - at a cost of 300 crore plant - started commercial production in 2001 but unfortunately due to the death of its main promoter - mr mukesh patel - immediately after the starting of commercial production , company could not ramp up its business . despite several attempts by the group , company operations derailed due to lack of working capital . after all of these unfortunate incidents , due to non payment of loans company went into the hands of asset re - construction company of india . from there jayneer capital private ltd jcpl ( zee group ) acquired the financial assets of the company through a bid process which was awarded in their favour by arcil . jcpl have also acquired 40 , 00 , 000 shares of shirpur gold refinery from oriental bank of commerce . these transactions involved a pay back of loans worth rs . 227 crore . jayneer transferred these loans to one of its subsidiary kala kosh auctions pvt ltd
according to officials of pmt , india was chosen for transferring the technology as it is the largest market for gold in the world .
the technologists maintain that the technology used in the plant is the latest . ` ` refining of gold and silver involves a two - stage process . in the first stage , impurities will be removed with the help of chlorine for gold and oxygen for silver . in the se cond stage , which is an electrolytic process , contaminants will be removed bringing the gold to a 99 . 99 per cent purity , ' ' the official said .
it has also joined hands with the essel group to use the zee brand to market their gold . to be called zee gold , the yellow metal will be available in both 10 - tola bars and in shots . zee will get a royalty of 20 % of the net profit for the brand usage .
now , after two years of acquisition by zee group , kala kosh is going to merge with shirpur gold itself . this merger will nullify a loan of massive 227 crore which is a great relief to shirpur . if we can believe the various signals from the company , the long waiting is going to end within few months . if investors are ready to pay such a huge premium to a company which is even not operational for almost ten years , what will be the story if there is some official announcement about the commercial production and the realization of encouraging results going forward . but this game is only for brave hearts . cmp is rs . 161
in the fiscal 2001 , the company has completed the precious metal refinery project in the record time of about one year . the plant was inaugrated in mar . 01 . it also alloted 50 , 00 , 000 equity shares of rs 10 / - each on preferential basis at a premium of rs 152 / - per share .
while the company has targeted at refining 10 % of the total gold imports , it has not yet finalised its plans on refining the huge quantity of old jewellery that already exists in the country .
` ` as gold inventory involves huge cost , the product will be air - speeded to the buyers , ' ' said an official of the company adding that the marketing system will evolve with time .
annual reports and quarterly unaudited financial results awards & recognition material events notices / information 31 . 8 . 2015 - precious metals updates from mr . jeffrey rhodes , ceo at zee gold dmcc , dubai .
agee gold refiners , formerly known a autoriders industries discontinued its operation of the limouzine busses since the project was not viable . due to which the company changed its line of business from automotive to precious metal .
( agee gold refinery bse code - 512289 ) is a hot subject among investor for a long time . arguments are flowing for / against this company in message boards and blogs . critics are saying that there is no justification for current high price for a company which is not yet started commercial production . supporters are also having lot of arguments . but majority are not questioning the scope of company , its profitability , its uniqueness . . etc , but concerned about the delay of starting the production . most of them are also unaware that this company once started commercial production in 2001 .
the raw material in the form of ` dore ' , or gold ore , will be imported from the mining countries including south africa and canada , said an official of pmt . annual imports would amount to $ 2 billion .
shirpur gold : latest update : kirtiscripscan . net i am realistic and optimistic too i am here in stock market for making money and not for promoting any company i just shared information i got it is upto the individual to believe it or not you can take example of jai corporation roumour / news way back in 2006 when it was quoting 200 + no one believed it and not a single expert made any recommendation to buy it but it went upto 25000 and even now stock is available at 262 but 1paid up and 1 : 1 ex bonus means still at 5000 + on a 10 paid up and before bonus still jai corp is in doldrums but stock price you see why just because anand jain close friend of mukesh ambani friends here it is zee group fantasti promoter excellent credentials proven track record has taken over company a year back . he has invested billion rupees to see the company in action and make profit yes it takes time because of several legalaties etc etc now all these things are settled and company is about to run anytime now i have learned and i know one thing that in such stocks one should buy it when available without stop loss . yes without stop loss otherwise you will be out and can never buy it guy ` s go for it with full faith atleast in zee management only thanks . . .
an estimated 16 , 000 people had turned up at the venue , 450 km north - east of mumbai , for what seemed more like a political rally considering the number of political dignitaries present at the inauguration .
the sale will be on the basis of international prices and , therefore , a tie - up with reuters has been necessitated for price information .
however , bullion dealers in mumbai are sceptical about the product . says mr mukul sonawala , president , bombay bullion association , ` ` this is a new brand in the market . there will be a lot of reluctance to pick up this product . it is a new company inexper ienced in the area of bullion business . ' '
his reasoning stems from the fact that , traditionally , precious metal dealings have been based on trust .
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disclaimer : this blog , its owner , creator & contributor is neither a research analyst nor an investment advisor and expressing opinion only as an investor in indian equities . he / she is not responsible for any loss arising out of any information , post or opinion appearing on this blog . investors are advised to do own due diligence and / or consult financial consultant before acting on any such information . author of this blog not providing any paid service and not sending bulk mails / sms to anyone .
sir , i am holding 1k shares of this wonderful stock @ avg price of 130 since from oct 2009 . you analysis strengthen my confident level . i would request you to tell me what level it can go and i would be glad to hear from you : ) . i am long term investor with min holding time 3 years . my id : mmp dot cse at gmail dot com . would love to hear from you : ) .
kopran bse code 524280 @ 42 / = is a great turnaround story of 2010 . exactly the same happend with lupin when it was quoting at 62 / = way back in 2002 and looking at the low price i bought the stock in huge quantity . lupin is now trades at 1900 + ex 1 : 1 bonus . i feel same thing is happening here with kopran and looks super multibagger from hereon . in fact , it is another lupin in making . good opportunity to grab such stocks and held on for super duper profits . cheers .
an investor in indian stock market for the past 24 years . . mail me at - valuepick100 @ urltoken on twitter urltoken
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for the quarter ended 31 - 03 - 2018 , the company has reported a consolidated sales of rs 1351 . 06 crore , up 2 . 52 % from last quarter sales of rs 1317 . 85 crore and down - 15 . 16 % from last year same quarter sales of rs 1592 . 47 crore company has reported net profit after tax of rs 4 . 77 crore in latest quarter .
the company’s top management includes mr . anish goel , mr . dinesh kanodia , mr . manoj agarwal , mr . mukund galgali , ms . kavita kapahi . company has b s sharma & co . as its auditors as on 31 - 03 - 2018 , the company has a total of 29 , 137 , 202 shares outstanding .
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mr . amit goenka , is one of the promoters of the essel group , ceo of pan india network ltd . and he spearheads essel ' s operations on all non - entertainment fronts .
ms . kavita kapahi , a commerce graduate from bombay university , is an entrepreneur engaged in the security & surveillance industry .
mr . anish goel , has diploma in mechanical engineering from switzerland . he has worked with victorinox since 1995 and successfully introduced the brand in india where he has run the business for 12 years .
mr . manoj agarwal , bachelor of commerce , has an entrepreneurial background with extensive experience in home textiles and steel business .
mr . v . k . agarawal , has 18 years of business experience in handling business mechanisms , strategy and acquisitions .
the company has also set up a full fledged distribution system wherein it has built its own airstrip to transport its products to its buyers . a most modern and convenient marketing set up has been established using hte latest technology for immediate order processing . it will flash on its web site urltoken real time rates on the basis of which zee golds designated preferred buyers can make their online spot purchases .
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the life and casualty insurance company of tennessee was a life insurance company based in nashville , tennessee , founded in 1903 by a. m. burton ( andrew mizell burton ) , great-grandfather of singer amy grant .

burton was a regional manager for the western & southern life insurance company , based in cincinnati , ohio , when it decided to discontinue operating in tennessee .

burton was going to be discharged , but according to company lore , was told by his superior , " if you 're the man that i think that you are , you 'll start your own company , " and he did so .

for many years , the firm sold a mixture of " industrial life insurance " policies , with small face amounts and costing low premiums , to working-class individuals and small farmers and " ordinary life " policies for middle class and affluent persons .

much of this business was sold on the " debit " or " home service " plan , where ausually the one who sold the policy initially , personally called on the client to collect the premiums when they became due .

in 1957 the company occupied its new home office , the 31-story life & casualty tower , located at 4th avenue north and church street in downtown nashville ; the building was briefly the tallest one in the southeast .

the company was also known for its ownership of radio and television stations wlac , properties it held until the 1970s .

in the mid-1960s , the company was sold to the american general insurance company of texas , but its operations remained largely unchanged until the early 1980s .

in 1968 the former knights life insurance company of pittsburgh , pennsylvania ( then a part of american general insurance ) had its operations transferred from pittsburgh to nashville .

when american general acquired longtime nashville rival national life and accident insurance company in a hostile takeover it implemented plans to merge the two companies .

by the end of the 1980s this had been largely accomplished , and the l&c tower , still a nashville landmark but no longer its tallest building , was sold to outside interests .

the company burton founded went through a series of mergers and acquisitions which now form american general life and accident , now headquartered in the nashville suburb of brentwood , tennessee as part of american international group ( aig ) .

the case presents the same question as life & casualty insurance company of tennessee v . mccray ,
life & casualty insurance company of tennessee , appellant , v . margaret w . gurley , appellee
currently there are no reviews for ' life & casualty insurance company of tennessee ' . be the first to write a review for them !
provident life and casualty insurance company , a corporation of the state of tennessee , plaintiff - respondent , v . bruce a . fein , defendant - appellant .
life & casualty insurance company of tennessee , appellant , v . margaret w . gurley , appellee , 229 f . 2d 326 ( 4th cir . 1956 )
the company was issued an order of liquidation in 1993 . the state life and health guaranty associations helped arrange for lincoln life & casualty insurance company to assume all policies .
life & casualty insurance company of tennessee , appellant , v . margaret w . gurley , appellee , 229 f . 2d 326 ( 4th cir . 1956 ) : : justia
a mutual company owned by policy holders . officers and employees of allstate insurance company serve as directors and officers of allstate county mutual insurance company
american heritage life insurance company ( subsidiary of american heritage life investment corporation ) associated insurance services , inc . ( georgia ) fidelity international company , ltd . ( bahamian corporation ) first colonial insurance company ( florida ) st . johns bluff timber company ( florida ) ahl select hmo , incorporated ( florida ) columbia universal life insurance company ( texas ) concord heritage life insurance company inc . ( new hampshire ) keystone state life insurance company ( pennsylvania )
unison international life insurance company , an insurer domiciled in oklahoma , was licensed to operate in 15 states . the company offered whole life , limited pay life , endowment , term and group life , immediate and deferred annuities , and individual guaranteed renewable health insurance .
suit was commenced in the superior court of alamance county , north carolina , by margaret w . gurley , as beneficiary under a life insurance policy , against life & casualty insurance company of tennessee ( hereinafter called the company ) . upon petition of the company , the case was removed to the united states district court for the middle district of north carolina .
note : lincoln life & casualty company originally assumed the unison policies . since then , the company merged with reassure america life , a subsidiary of swiss re . in 2012 , jackson national life acquired swiss re including reassure america life . policyholders are asked to contact the company at the number and address on their previous correspondence from reassure america life .
allstate life insurance company ( subsidiary of allstate insurance company ) afdw , inc . ( oregon ) allstate distributors , l . l . c . ( delaware ) afd , inc . ( illinois ) allstate financial advisors , llc ( delaware ) allstate financial services , llc ( delaware ) alfs , inc . ( delaware ) allstate life insurance company of new york ( new york ) allstate assignment company ( nebraska ) allstate settlement corporation ( nebraska ) charter national life insurance company ( illinois ) glenbrook life and annuity company ( arizona ) intramerica life insurance company ( new york ) lincoln benefit life company ( nebraska ) lsa asset management , llc ( delaware ) northbrook life insurance company ( arizona ) provident national assurance company ( tennessee ) pt asuransi jiwa allstate ( indonesia )
allstate holdings , inc . ( subsidiary of allstate insurance company ) allstate floridian insurance company ( illinois ) allstate floridian indemnity company ( illinois )
from business : liberty mutual offers quality and affordable auto insurance and home insurance life insurance . get a free quote today !
© 2018 metropolitan life insurance company , new york , ny 10166 - all rights reserved .
allstate new jersey holdings , inc . ( subsidiary of allstate insurance company ) allstate new jersey insurance company ( illinois )
the information on this page refers to policies issued and serviced by american general life insurance company and the united states life insurance company in the city of new york . in addition , policies from the following companies are serviced :
in the years that followed , a . m . burton achieved distinguished leadership in many fields of endeavor and became nationally and internationally known and appreciated . the business that he founded in 1903—the life and casualty insurance company of tennessee—and over which he presided as president for forty - eight years is now one of the nation ' s largest and strongest insurance firms with nearly three billion dollars of insurance in force .
from business : liberty mutual offers quality and affordable auto insurance , home insurance & life insurance . get a free quote today !
welcome to the tennessee life and health insurance guaranty association (
guaranty association
) web site . we hope you find this site helpful in providing information regarding the purpose of the guaranty association and how it protects resident policyholders in the event of an insurance company insolvency .
her husband , the late a . m . burton , was one of the five founders of the life & casualty insurance company . brother and sister burton made gifts estimated at more than twenty million dollars during their lifetime .
vision —he possessed the ability to see farther and clearer than other men . at the turn of the century , he dreamed of building the life and casualty insurance company ; and more than twenty - five years before the life and casualty tower was erected he had a picture produced by an artist of what the building would look like . he kept this picture on his desk through all those years .
pafco underwriting managers inc . ( subsidiary of allstate international insurance holdings , inc . ) pembridge insurance company ( ontario )
© 2001 - 2018 all rights reserved . the national organization of life & health insurance guaranty associations
allstate insurance company ( subsidiary of the allstate corporation ) allstate holdings , inc . ( delaware ) allstate holdings , llc ( delaware ) allstate indemnity company ( illinois ) allstate insurance company of canada ( canada ) allstate international inc . ( delaware ) allstate life insurance company ( illinois ) allstate new jersey holdings , inc . ( delaware ) allstate property and casualty insurance company ( illinois ) allstate texas lloyd ' s , inc . ( texas ) forestview mortgage insurance co . ( california ) general underwriters agency , inc . ( illinois ) the northbrook corporation ( nebraska ) willow holdings , llc ( delaware )
when one approaches nashville from any direction , the first building that comes into view is the life and casualty tower—a monument in the business world to the memory of a . m . burton .
american heritage life investment corporation ( subsidiary of the allstate corporation ) american heritage life insurance company ( florida ) american heritage service company ( florida ) amherst investment company ( florida ) colonial reinsurance , ltd . ( british virgin islands ) e . r . j insurance group , inc . ( florida ) florida associated services , inc . ( florida )
the liquidator , by court order , becomes the sole owner of the company ' s assets and administers the estate of the company .
to determine if a company uses credit information for private passenger automobile or homeowners insurance .
the domiciliary state is the state in which an insurance company is incorporated or organized .
his generosity was expressed in numerous little ways , as well as in the larger , more monumental gifts . he liked to fill his pockets with tiny rosebuds and hand them out to office workers and others whom he met along the way as he went by the college or at the life and casualty insurance company .
claims examiners are typically involved in health and life insurance , and review medical records to determine the proper payout for major medical procedures .
a . m . burton came to nashville at the age of eighteen armed with only twenty months of formal education in trousdale county schools . he went from a day laborer to a leading insurance executive - having founded life & casualty in 1903 .
an naic number is a five - digit number assigned to every insurance company by the naic ( national association of insurance commissioners ) . because each company has its own unique number , the naic number can be used to identify a particular company .
the allstate corporation ( delaware holding company ) allstate insurance company ( illinois ) allstate international insurance holdings , inc . ( delaware ) allstate non - insurance holdings , inc . ( delaware ) allstate bank american heritage life investment corporation ( delaware ) kennett capital , inc . ( delaware ) willow insurance holdings inc . ( delaware )
while agents often specialize in a particular category of insurance , some sell several different types of insurance . agents can work for a larger insurance company or operate independently , selling policies from several different insurers .
to receive a payout for an insurance policy , the policyholder must file a claim with the insurance company . the basics of the process are straightforward , but can vary depending on the type of insurance .
claims adjusters and examiners a claims adjuster or claims examiner is an employee of an insurance company , and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided . an adjuster inspects claims related to property damage , as in the case of auto or home insurance policies . claims examiners are typically involved in health and life insurance , and review medical records to determine the proper payout for major medical procedures .
policy loans and withdrawal requests can be requested by completing a policy loan application or policy withdrawal request form from the life insurance forms above .
the company ' s agent , w . g . ware , solicited henry t . gurley to take a mortgage retirement insurance plan of life insurance ; on july 17 , 1952 , gurley executed an application requesting such a plan . at this time , gurley gave checks , payable to the company , totalling $ 99 which was represented by the agent and stated in the application to be the first full premium ; ware executed and delivered to gurley the company ' s printed form of receipt . these checks were cashed by the company and deposited to its account on july 19 , 1952 . the application and a report of a medical examination were sent by the company ' s agents to its home office at nashville , tennessee . the company approved the application and ordered the issuance of a policy for the plan and the amount of insurance applied for by gurley . the company applied a
class b
rate which increased the quarterly premium to $ 122 . 31 and declined to grant a request for waiver of premium in the event of disability .
a claims adjuster or claims examiner is an employee of an insurance company , and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided . an adjuster inspects claims related to property damage , as in the case of auto or home insurance policies .
when considering the company ' s complaint index and ratio , be sure to review the company history information displayed below for recent acquisitions , mergers , or other events that may affect the figures displayed for this company .
the very thought of a poor country boy without formal education founding and building an insurance company was amazing - and still is . he persuaded five others , including among them mrs . helena johnson , to invest with him , and established the new company .
for names of the companys current officers , please contact the company at the phone number listed in the contact information above or on their website .
life insurance when someone dies unexpectedly or is injured severely enough to be unable to work , it can be a financial disaster for their family or loved ones . many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost . life insurance comes in two basic types : term and universal . with a term life insurance plan , you pay a premium for a predetermined amount of time , usually 10 years or more . if you die at any point in that timeframe , your family receives a death benefit . if you ' re still around when the term is over , the coverage is canceled and you receive nothing . universal life covers your entire life , and usually delivers a minimum benefit at death .
grant didn’t know her great - grandfather well—she was only 5 when he passed away—but that hasn’t lessened her appreciation for what he accomplished during his lifetime . the founder of life and casualty insurance co . of tennessee , a . m . constructed the 31 - story l & c tower , nashville’s first skyscraper and , at the time of its completion in 1957 , the tallest building in the southeast . it remains a prominent landmark on the nashville skyline . he also happened to be a notable philanthropist who gave back generously to the community .
located in crossville tennessee - the plateau group , inc . is an insurance holding company that specializes in the business of credit insurance and other loan related products for financial institutions , automobile dealers , consumer finance companies and other retail lenders . at plateau , we market , manufacture , administer and reinsure products that meet the needs of our customers while providing the highest levels of service and courtesy in the business . at plateau , we are always striving to be “your first choice” .
on march 1 , 2017 , penn treaty network america insurance company ( penn treaty ) and its wholly owned subsidiary , american network insurance company ( anic ) , were placed in liquidation by orders of the commonwealth court of pennsylvania . click here for a set of faqs addressing the penn treaty / anic liquidations .
confirmed complaints : the number of confirmed complaints closed against the company for the line of insurance and year indicated . a complaint is confirmed if the department receives information indicating that a company committed any violation of an applicable state insurance law or regulation , a federal requirement the department has authority to enforce or the term or condition of an insurance policy or certificate . a complaint is also confirmed if the complaint and company ' s response , considered together , suggest that the company was in error or that the complainant had a valid reason for the complaint .
policies of an insolvent company are often transferred to a financially sound insurance company . if policies are not transferred to another company , the policies are continued and claims administered by either the guaranty associations or a third - party administrator ( tpa ) working on behalf of the associations . please contact the company / tpa listed below or the guaranty association in your state of residence for more information about your policy .
complaints against an insurance company are not part of the complaint tally above if the insurance company served only as a third party administrator ( tpa ) , a company hired simply to administer the paperwork of a health plan . instead , they are included in the complaint record of the insurance company or hmo that hired the tpa . if a bonafide self - insured benefit plan hired the tpa , no complaint numbers are recorded as a part of the company / tpa ' s profile . neither are profiles available for self - insured plans , as such plans are regulated under federal law .
yes , we offer our most frequently requested forms on - line for immediate download . see links above under life insurance forms . you can also
address change requests can be made securely through our eservice site . you can also download an address change form from the life insurance forms above .
from business : globe life has been making life insurance easy to buy since 1951 . there are no medical exams - just a simple application . it ' s easy to apply and there is no waiting period . full coverage starts as soon as your policy is in effect . benefits will never be canceled or reduced for the life of the policy if premiums are paid on…
complaint ratios : the ratio , expressed as a percentage , is the number of closed confirmed complaints divided by the number of policies the company had in force for the line of insurance and year indicated .
an insurance syndicate organized under the laws of texas . allstate texas lloyd ' s , inc . ( a direct wholly - owned subsidiary of allstate insurance company ) is the attorney - in - fact for this syndicate .
plaintiff , provident life and casualty insurance company , sued in the chancery division to rescind a disability insurance policy issued to the defendant , bruce a . fein ; alternatively , provident sought a declaratory judgment that defendant was not disabled under the terms of the policy . defendant filed a counterclaim for breach of contract , claiming entitlement to the policy ' s benefits . both parties sought summary judgment on the issue of rescission . provident prevailed , and defendant filed this appeal . since we believe provident was not entitled to rescind the policy , we reverse and remand for trial on the issue of disability .
approval of your application for reinstatement under the underwriting rules and practices of the company in effect for the type of policy for which reinstatement is requested .
on behalf of a vast host of people who will always appreciate the life and work of a . m . burton , our prayers and best wishes reach out to mrs . burton , who shared with him an abundant life for more than sixty years , and to every member of the family in the loss of one so dear to so many .
beneficiary change requests can be made securely through our eservice site . you can also download a beneficiary change form . see links above under life insurance forms .
american general life companies the united states life insurance company in the city of new york 800 - 888 - 2452 tdd : 888 - 436 - 5256 fax : 713 - 831 - 3028 standard usps : p . o . box 2808 amarillo , texas 79105 - 2808 overnight : attn : claims 1050 north western street amarillo , texas 79106 - 7011
margaret w . gurley sought to recover $ 20 , 000 as the beneficiary of a mortgage cancellation policy on the life of her deceased husband , henry t . gurley ( hereinafter called gurley ) . the company denied the policy had ever been issued and delivered to the applicant gurley and denied that the first full premium had been paid . in short , the company contended that no contract of insurance had ever been consummated between it and gurley .
he was born in very modest circumstances and was reared on a farm in trousdale county , tennessee . his total formal education consisted of no more than twenty months of schooling . as a lad , he worked in the tobacco fields for fifty cents a day .
in hardy v . aetna life insurance co . , 154 n . c . 430 , 70 s . e . 828 , 832 , the court quoted with approval this extract from vance on insurance , page 169 :
even under these circumstances , he managed to save something of what he earned each day . he got a job selling insurance in nashville , and his excellent native abilities soon brought him to the position of state agent . when that company went out of business , he decided to form a company of his own .
florida associated services , inc . ( subsidiary of american heritage life investment corporation ) realty advisers corp . ( florida )
he walked a cow to nashville - a distance of forty miles from his home - to provide milk for a baby of a kinsman . in nashville he secured work as a day laborer at the tennessee centennial grounds for a dollar a day .
they sent one company to a fix leak in dishwasher . still leaked so they sent a different company . i had to pay for two separate service calls . cance…
pembridge america inc . ( subsidiary of allstate international insurance holdings , inc . )
lexisnexis is publishing a new volume of our authoritative treatise on the nation’s insurance law , the new appleman on insurance library edition . it is entitled “insolvency and bankruptcy . ”
we find no merit in the company ' s contention that gurley was uninsurable on september 18 , 1952 . the record is devoid of any substantial evidence to support that contention . indeed , the evidence of dr . fewell , the company ' s witness , favored gurley rather than the company .
foscue v . greensboro mutual life insurance co . , 1928 , 196 n . c . 139 , 144 s . e . 689 and burch v . provident life & accident insurance co . , 1931 , 201 n . c . 720 , 161 s . e . 313 , cited by the majority as apparently holding that a soliciting agent , such as ware , can waive written conditions and requirements connected with the inception of the insurance contract and payment of the first premium , were not so construed by the north carolina courts .
to file a death claim on a life insurance policy , please call the customer service center at 800 - 888 - 2452 . to expedite the call , please visit the claims section of our website and have the appropriate information ready when calling to file a claim . or you can download the life claims kit and mail the necessary document to the address below .
in describing the conversion of her husband , baxter recalled during this service how instrumental sister burton was . she said he was baptized by c . m . pullias who had been his boyhood friend when they were growing up near hartsville , tennessee .
from business : switch to nationwide and get $ 100 off your auto insurance deductible for every year of safe driving . you’ll also get car insurance coverage that includes : - a 100…
from business : welcome to hazard insurance agency ! hazard insurance agency was established in 1915 to serve hazard , perry county and the surrounding area . originally called the …
allstate international insurance holdings , inc . ( subsidiary of the allstate corporation ) allstate international holding gmbh ( germany ) allstate life insurance company of the philippines , inc . ( philippines ) allstate investments , k . k . allstate reinsurance ltd . ( bermuda ) allstate services , inc . ( japan ) pafco underwriting managers inc . ( ontario ) pembridge america inc . ( florida )
the following organizations rate insurance companies on their financial strength and stability . some of these companies charge for their services .
apparently , a soliciting agent such as ware , in north carolina , has the power to waive certain written conditions and requirements connected with the inception of the insurance contract and the payment of the first premium though not as to subsequent premiums nor as to the coverage or the operation of the policy . foscue v . greensboro mutual life insurance co . , 196 n . c . 139 , 144 s . e . 689 ; burch v . provident life & accident insurance co . , 201 n . c . 720 , 161 s . e . 313 .
these provisions seem to me to have been deliberately designed to prevent the possibility of recovery in a case such as this , and to be adequate for that purpose . their validity has been frequently upheld . ray v . security trust & life insurance co . , 1900 , 126 n . c . 166 , 35 s . e . 246 ; whitley v . peidmont & arlington life insurance co . , 1874 , 71 n . c . 480 ; ormond v . fidelity life association , 1887 , 96 n . c . 158 , 1 s . e . 796 ; sturgill v . new york life insurance co . , 1927 , 195 n . c . 34 , 141 s . e . 280 ; north carolina bank & trust co . v . pilot life insurance co . , 1934 , 206 n . c . 460 , 174 s . e . 298 ; curtis v . prudential insurance co . , 4 cir . , 1932 , 55 f . 2d 97 .
in this chapter , five insurance insolvencies are discussed in detail to illustrate a number of the issues that are presented in the management of troubled insurers . the companies discussed are the legion insurance group ( see section 104 . 01 ) , shenandoah life insurance company ( see section 104 . 02 ) , lumbermens mutual casualty company ( sometimes referred to as the “kemper companies” ) ( see section 104 . 03 ) , reciprocal of america ( see section 104 . 04 ) , and ambac assurance corporation ( see section 104 . 05 ) . no suggestion is made that these represent the largest , most important , most unusual , or even the latest significant insolvencies . indeed many others from among the thousands of u . s . insurers subjected to rehabilitation or liquidation proceedings might have been included on this list . instead , the authors have selected these cases because they illustrate both the typical issues that arise in insurance failures and also certain unusual challenges or results .
he often spoke of the fact that his success in business related back to the poor and underprivileged people who were the first to buy policies in the life and casualty insurance company . he had a genuine concern for the underprivileged , regardless of the reason for their poverty , and often was heard to say that high taxes were a blessing—a strange statement , in the eyes of many , for a man of great wealth . in this connection , he liked to quote leviticus 25 : 10 , 11 :
and ye shall hallow the fiftieth year , and proclaim liberty throughout the land unto all the inhabitants thereof : it shall be a jubilee unto you ; and ye shall return every man unto his possession , and ye shall return every man unto his family . a jubilee shall that fiftieth year be unto you .
the key phrase in this statute is , “in connection therewith . ” the evident purpose of this phrase is to provide an insured with the earliest reasonable notice that the insurance company is not simply accepting the overdue premium payment and reinstating the policy as a matter of course . the phrase implies that the receipt of the payment and the issuance of the conditional receipt will be linked together . obviously , the insurance company cannot be expected to act instantaneously . however , the phrase , read in conjunction with the proviso , clearly intends that in asking for an application , the insurance company must simultaneously issue the conditional receipt , and these two joint steps must be done promptly in relation to acceptance of the late premium payment .
andrew mizell burton was an extraordinary man from every point of view . he lived in a fabulous era of progress and development . he was a part of that era , and a factor in its marvels . his life was a fulfillment of the american dream that any boy can rise to the heights of success and achievement .
( 1 ) was the contract of insurance in force at the time of the death of the insured ? this involves several subsidiary questions .
in o ' donovan , supra , louisiana ' s intermediate appellate court construed its essentially identical reinstatement statute as permitting the insurance company a reasonable period of time to demand reapplication and issue a conditional receipt to avoid automatic reinstatement of the policy as a result of an overdue premium payment . 305 so . 2d at 646 . however , the court held that a thirteen - day delay by the insurance company in issuing the conditional receipt was unreasonable . ibid .
umbrella insurance is extra coverage from liability for other insurance policies , usually home or auto insurance . consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover .
the lumbermens case , involving an illinois insurer , showcases many of the complexities in dealing with very large casualty company failures but also presents an innovative run - off effort that adopted the unusual technique of policy buy - backs . it also highlights the difficulties with voluntary rehabilitations occurring outside of court proceedings . sections 104 . 03 [ 2 ] and 104 . 03 [ 3 ] discuss the attempts to resolve the company’s problems through a run - off outside receivership , including the use of policy buy - backs and novations . section 104 . 03 [ 4 ] addresses the eventual involvement of regulators in the efforts to rehabilitate the company . section 104 . 03 [ 5 ] considers the role of guaranty associations as the voluntary run - off gave way to formal proceedings .
there is no evidence whatever that the officials of the company had any notice that the local agent was collecting weekly installments from the insured , or that the agent remitted same or any part thereof to the company . had there been any such evidence , and had the company had notice of the situation as it actually was , an entirely different case would be presented for our consideration .
in north carolina bank & trust co . v . pilot life insurance co . , 1934 , 206 n . e . 460 , 174 s . e . 298 , 300 , the exact question posed , and answered in the negative was :
in saying that the insurance company must act “promptly” we are not holding that the conditional receipt necessarily must be issued at the same precise time or even on the same day the company receives the late payment . however , the amount of time required for the simple act of sending the conditional receipt with the reinstatement application should not be measured against the time an insurance company might desire for investigation of the matter . that approach would be inconsistent with the cases discussed above and with the general principle , accepted in this state , that “ [ a ] n insured cannot be penalized for an insurance company ' s internal procedures . ” meier v . new jersey life ins . co . , 101 n . j . 597 , 609 , 503 a . 2d 862 ( 1986 ) . in this context , where the purpose of the statute is to provide an insured with the earliest possible notice that he or she might have to seek insurance elsewhere , the concept of a reasonable time should be measured in relation to the time required to prepare and transmit the necessary paperwork .
these case studies may certainly not be viewed as a comprehensive survey of all the material issues that arise in insurance receiverships or rehabilitations . however , they provide a useful collection of problems and approaches illustrative of what receivers and creditors must address in the case of troubled insurers . these cases are likely to serve as precedent for some time in key areas of insurance insolvency law and practice .
as stated in waters v . security life & annuity co . , supra , 57 s . e . at page 439 :
it is not required at all that the acceptance by the company should be indicated by a manual delivery of the policy to the insured , for , as said in some of the cases cited , ` it is not the physical possession of the policy , but the legal right thereto , which is determinative of the question . ' * * * and where a policy which complies with the application has been unconditionally delivered , in the absence of fraud , it is held to be conclusive evidence that the contract of insurance exists between the parties . rayburn v . [ pennsylvania ] casualty co . , 138 n . c . 379 , 50 s . e . 762 ; * * grier v . [ mutual life ] insurance co . , 132 n . c . 542 , 44 s . e . 28 * * .
insurance agents selecting the right insurance involves careful research and evaluating many different options for coverage . this is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation . agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most . based on their needs and individual risk , agents can often give potential customers a quote , which serves as a cost estimate for a specific policy . this is only a rough idea of what the policy will cost , because evaluating the risk associated with a given customer can take time . insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly . credit scores play a major role in insurance scores , but past insurance - claim history is also taken into account .
to check on the status of a death claim on a life insurance policy , please call the customer service center at 800 - 888 - 2452 , monday through friday 7 a . m . – 7 p . m . central time .
have been without a . m . burton , i realize the debt owed to him by so many for so long .
the man who is now president of the life and casualty insurance company , guilford dudley , jr . , expressed well what so many feel as they think of a . m . burton ' s life :
a . m . burton has ' gone away . ' somehow or other even though i was well aware that he was 87 years old on his last birthday , february 2 , i always thought he would outlive us all . somehow i think i was right and though i was a pallbearer at his funeral , i still think he will outlive us all . . . . yes , i think he will outlive us all , for he was a truly great man , and his good works will live after him .
almost anything of value can be insured to protect against loss due to a variety of circumstances . insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed . some of the most common insurance policies cover things we all use .
property insurance also may cover certain major events outside of your control . these are known as perils , and may include fire , flooding , natural disasters and other catastrophic events . you may want to purchase insurance against one or more of these perils if you live in a high - risk area . flood insurance is an exception , however , and can be purchased through the government - sponsored national flood insurance program . your lender may require this if you live in a flood - prone area .
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the bank case , which impressed the district judge , is clearly distinguishable upon the facts . there , the agent made it clear to the applicant that the insurance was not in effect until he paid the premium , none of the premium had been paid , and the insurance company had no knowledge that the first full premium had not been paid .
if the beneficiary is a business , the person signing the form must be an officer or owner of the company . the company ' s name must be given and the title of the person signing ( for example , “john doe auto sales , pat jones , president” ) . a
certificate of incumbency
should accompany the claim statement .
formed as a special purpose vehicle solely for the purpose of issuing certain debt instruments to institutional investors in europe . the proceeds of such issuances are deposited with allstate life insurance company ( alic ) under the terms of several funding agreements . neither the allstate corporation nor its subsidiaries are shareholders . established as part of alic ' s funding agreement backed emtn program ( european medium term note program ) to access longer dated fixed maturity contracts in europe .
complaint index : indicates how a company ' s ratio of the number of complaints to the number of policyholders compares to the average for all insurers . the index is calculated by dividing the company ' s percentage of complaints for a specific line of insurance by the company ' s percentage of the policies in force for the same line of insurance . the average index is 1 . 00 . a number less than 1 indicates fewer complaints than average ; a number greater than 1 indicates more complaints than average . for the most recent completed year , a given insurer ' s index may change over time , as policy count data is received by tdi . this will affect each insurer ' s percentage of the total .
of course , in this instance grant could just as easily be talking about life in a broader sense . like music , it is best experienced in the company of others and is soul - enlarging in its own way . as grant figures it , there’s no greater blessing than being part of a community that cares , and the least she can do is take the light she has been given and shine it toward those who need it most .
reciprocal of america ( “roa” ) , a virginia insurer , is in many respects a more typical property and casualty receivership but its case demonstrates the complexity of affiliate reinsurance , the contrast between risk retention groups and conventional insurers , the difficulty of managing workers’ compensation insurance ( especially when a significant portion is not covered by guaranty associations ) , and an unusual wind - down technique . section 104 . 04 [ 1 ] reviews the company’s rapid growth particularly in the workers’ compensation market , and the creation of risk retention groups in another state ( tennessee ) to fuel that growth by avoiding regulatory requirements . sections 104 . 04 [ 2 ] – 104 . 04 [ 4 ] provide a detailed and helpful guide of some of the mechanics of such a receivership , including the use of deputy receiver directives and a receivership appeal procedure . section 104 . 04 [ 5 ] examines the difficult relationship this receivership has had with guaranty associations , including the unprecedented effect of net worth exclusion provisions . sections 104 . 04 [ 6 ] and 104 . 04 [ 7 ] consider issues that arose between roa and its quasi - affiliate offshore reinsurer and also those involving the risk retention groups it reinsured . section104 . 04 [ 8 ] describes some of the asset recovery efforts that ultimately proved critically important in the ability to pay policyholder claims in full , as discussed in greater detail in section 104 . 04 [ 10 ] . section 104 . 04 [ 9 ] describes the rescission efforts of the company’s directors’ and officers’ liability insurer due to management’s alleged fraud , illustrating an issue of which receivers should always be mindful .
pet insurance pet insurance is a relatively new product that may help cover the costs of medical care for a dog , cat or other domestic animal . medical care for animals can be very costly , particularly because insurance for them is rare . by paying into a premium , you can help offset the cost of unexpected emergencies as well as routine checkups and medication . while virtually unheard of a few years ago , pet insurance has become more popular as the cost of veterinarian care has continued to rise .
counsel for the company have made a forcible argument for reversal , relying primarily on curtis v . prudential ins . co . , 4 cir . , 55 f . 2d 97 , and north carolina bank & trust co . v . pilot life insurance co . , 206 n . c . 460 , 174 s . e . 298 . we find neither case controlling on the facts before us .
the district court , sitting without a jury , awarded gurley ' s widow , as beneficiary of this insurance policy , the sum of $ 20 , 000 , less $ 23 . 31 , the unpaid portion of the first premium . from this judgment the company has appealed to us .
it is elementary that an insurer may waive any provision for its benefit and may waive any representation , warranty , condition or limitation in the policy upon which it would otherwise be entitled to rely . since provisions for payment of premiums and reinstatement are considered to be for the benefit of the insurer , they may likewise be the subject of waiver , thus rendering the insurance company liable for loss occurring during a time when , according to its contract , it would be relieved of liability . see graham v . security mutual life insurance company , 72 n . j . l . 298 [ 62 a . 681 ] ( e . & a . 1905 ) ; 16 j . a . appleman , insurance law and practice [ hereinafter cited as appleman ] , § 9083 ( 1944 ) , and see annot . , 7 a . l . r . 3d 414 ( 1966 ) . cf . ciccone v . the colonial life insurance company , 110 n . j . l . 276 [ 164 a . 444 ] ( e . & a . 1933 ) holding that an insurer which refused the tender of a premium payment because the assured had failed to make timely payment and on this basis declared the policy had lapsed , was precluded in a later action on the policy from urging it had lapsed on another ground not asserted in declaring the default .
the claims process begins when a beneficiary contacts the customer service center to notify the insurance company of the intent to file a death claim . beneficiaries must request the claimant statement , complete the form and submit it , along with the required documentation , to the customer service center .
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subscribers to the library edition are given free access to previous editions of the appleman treatise , amounting to an incomparable collection of insurance law analyses .
in price , supra , the court of civil appeals of texas , confronted by the same statutory language , held that the insurance company was entitled to a reasonable period of time after receipt of an overdue premium to decide whether it wanted a reinstatement application from the insured as a condition of reinstating the lapsed policy . 590 s . w . 2d at 645 - 46 . thirteen days passed before the company asked for the application . the court had this to say :
umbrella insurance umbrella insurance is extra coverage from liability for other insurance policies , usually home or auto insurance . consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover . for example , most car insurance liability policies cover at least $ 25 , 000 per person or $ 50 , 000 per accident . but if the accident involves a very valuable car , or the victim is willing to pursue legal action , insurance may not even begin to cover the full cost . you may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy .
how to make a claim filing an insurance claim can be stressful and confusing , but you need to begin the process as soon as possible to make certain you can recover your losses . it ' s important to note that in the case of emergencies , you should always call 911 first . the safety and health of yourself and others takes precedent over insurance .
b . waiver of prepayment of premium . having found a constructive delivery , the majority then find that such delivery constituted a waiver of the policy requirement of prepayment of the first premium . grier v . mutual life insurance co . , 1903 , 132 n . c . 542 , 44 s . e . 28 , relied upon by the majority , was a case in which there had been an actual delivery , and a tender in cash of the first premium . the court expressly raised the question ( 44 s . e . at page 29 ) , whether a contract would have existed in the absence of actual delivery . pender v . north state life insurance co . , 1913 , 163 n . c . 98 , 79 s . e . 293 , expressly limits waiver of prepayment of premiums to conduct of the company , or of an agent having authority to execute and issue contracts , and even then only in the case of an
absolute delivery
. this is clearly stated as follows ( 79 s . e . at page 295 ) :
woodlawn cemetery , nashville , tennessee , is located behind the 100 oaks shopping center that faces i - 65 just south of the i - 440 interchange . from 100 oaks travel east on thompson lane and turn right at the first entrance to woodlawn ' s south side park ( across from main part of cemetery ) . take the first left and road will bear around to the right . stop the car around the trashcan and look to your left . about mid - section of lakeview is a tree . go just about to the tree and look to the left .
class beneficiaries : an affidavit showing the names and dates of birth of each must be submitted .
concern for the poor —unlike many men of wealth and power , a . m . burton never lost the common touch . throughout his life he was deeply concerned about the poor , the blind , the orphan , and the crippled . he had a special collection of the scriptures translated into braille and made available without cost to the blind .
the company issued policy no . 493585 august 1 , 1952 , to gurley and fixed the date of the second quarterly premium as november 1 , 1952 . the policy issued to gurley was acted upon or reviewed in five different departments of company ' s home office . it was a fully executed policy containing all the schedules and provisions applicable to this particular insured ; the signatures of the president and secretary of defendant ; an effective date of august 1 , 1952 , at which date it was carried on defendant ' s books , and the 41 - year endowment period calculated , as well as the due date of future premiums ; and a serialized number by which it appears on many different records of the company . in short , it received the same home office action accorded to all other similar policies in full force and effect .
in addition to reviewing your policy or contacting the customer service center for advice and guidance , you may also contact your state insurance department .
automotive insurance millions of americans drive a car to get from place to place each day , so it makes sense that auto insurance is one of the most commonly used types . in most states , the law requires drivers to maintain an active insurance policy on any car , up to a certain amount . most car owners are required at minimum to purchase liability insurance , which protects against damage for which the policyholder is at fault . liability insurance covers damage to property as well as any injuries sustained in an accident . it ' s important to note liability insurance only covers damage or injuries of others , not the policyholder themselves . in addition to liability insurance , car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident . for this purpose , liability , vehicle and medical coverage are often packaged together in a single policy .
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the question of the prepayment of the first full premium is precluded , we feel , by waiver on the part of the company , in its actions and in those of its agent , ware . under north carolina law , delivery of an issued policy constitutes a waiver , in the absence of fraud , of such a written requirement . grier v . mutual life insurance co . , 132 n . c . 542 , 44 s . e . 28 ; see , also , pender v . north state life insurance co . , 163 n . c . 98 , 79 s . e . 293 . counsel have failed to cite north carolina decisions making a distinction between
actual
and
constructive
delivery on this specific question , other than our language in curtis v . prudential insurance co . , 4 cir . , 1932 , 55 f . 2d 97 which was prior to erie r . co . v . tompkins , 304 u . s . 64 , 58 s . ct . 817 , 82 l . ed . 1188 , and is of little aid here .
the company contends that the application , premium receipt and policy required ( 1 ) delivery of the policy and ( 2 ) payment of the first full premium , both during the lifetime and continued insurability of the applicant . it is asserted that these are valid and enforceable conditions precedent to the validity of the policy , neither of which was complied with here by the applicant gurley and the agent ware ; that there was no waiver , and in addition , that on september 18 , 1952 , applicant gurley was not insurable .