The copy of earlier insurance policy effectively owns the car until the designated proprietor or driver of the vehicle. There is an app for Apple and the.

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On the top right side of the home page, click on the “new user” button to register for online access. To make your Licindia Online Payment, select the “online premium payment” option and login.
You can also pay by first logging in the Clicking on the “pay premium online” link and selecting the policy you wish to pay for. Select the mode of payment you will use, whether internet banking or debit card or a credit card. If you are using net banking, you will need to select the bank from which the payment will be made. Step 5: Fill in the basic details like Policy Number, Premium Amount, DOB, e-mail ID and Mobile number.
This is a very simple and an effective way to make your LIC premium payment online.  The Direct Pay facility is also very helpful since you do not need to register or remember your login credentials.
If you liked this article, please share and help others make their LIC premium payment online like you did in less than 2 minutes. Generating home loan statement online is a simple task for the LIC House Finance customers. Before you proceed for generating home loan statement online ensure that you have your correct Loan Account Number with you and you remember the Sanctioned Amount accurately.
In the next page you will be asked to provide your personal details, like, your email address, and a username and password for your account.
You will immediately receive an email from LICHFL in the Inbox of your email ID that you have mentioned above. Now click on the activation link on the mail; a page will open and you will be prompted that your account has been activated. Go to the LICHFL Home page and under the “Customer Portal” button click the “Existing” tab.
In order to check the status of your loan, click on the “Loan Status Report” menu present at the left. For generating home loan statement online to submit with your IT return as a proof, you need to go to the “Repay Certificate” button at the left; and after selecting the loan number and the financial year for which you need the statement you have to hit the “Go” button.
So, if you are a LICHFL customer you need not to visit your nearest branch for getting the loan statement, you can do that sitting right at your home.
A Life insurance policy, in which the only benefit is payable on the death of the policy holder, is called Term insurance Policy.
The term policy is an excellent way of covering life risk for high values at an affordable rate. Once, this is done the insurance company representative will contact you and arrange for the medical examination depending on your age and sum insured.
On receipt of first premium, proposal form, medical reports and other supporting documents, the company will issue the policy as per the underwriting rules of the company.  If the health conditions are not normal, the company will load the premium and you have to pay an extra premium. The profile of policy holders opting for these policies is different from the general public. Since online term plans are purchased only by net savy customers, there is an automatic selection happening here.
Since there is no agent involved in the sale of an online term plan, the insurance company saves on commission expenses. Since only educated prospects are applying for online policies, there will be more disclosures regarding the actual health condition at the time of taking the policy. Though the premium quoted in the website may appear very low, in most cases, there are loading of premium depending of the health condition. It is important that you disclose all personal information correctly at the time of taking a policy. Certified Financial Planner from the Financial Planning Standards Board India (FPSB) and a Fellow of Insurance Institute of India (FIII). Can 3 different term insurance policy from different house be taken for single life to be insured? Yes, you can have any number of policies from any number of companies, if your annual income and health conditions support the insurance cover.
Again these companies have operated in India for only a few years now and how can they come upon a different mortality table than that of LIC of India. How to find the vehicle license fee part of your annual vehicle registration fee which may be deducted on your income tax?
The vehicle license fee part of your payment is the only part of your annual vehicle registration payment that may be deducted on your income tax. Your annual vehicle registration payment consists of various fees that apply to your vehicle.
If you do not have your renewal notice to find the vehicle license fee you paid, try the online fee calculator. California does not offer a grace period after your vehicle's registration expiration date. Even though your plates display only the month and year, your registration expires on a specific day. If you do not receive a billing notice approximately 60 days before your vehicle's registration expires, please call 1-800-777-0133 to find out what your fees are. If your vehicle's registration requires a smog certification, be certain to pay all applicable renewal fees on or before the current expiration date, even if you have not obtained the smog certification.
You must apply for a duplicate registration card if the original has been lost, stolen, or mutilated. You may submit the completed application and payment of the fee(s) by mail to the following address. You may also submit the completed application and payment of the fee(s) in person to your local field office. You must replace your license plates immediately after your plate(s) has been lost, stolen, mutilated, or become illegible. You may also submit the completed application and payment of the fees in person to your local field office. Note: California law requires vehicles to display a front and rear license plate, California Vehicle Code (CVC) § 5200.
If the year sticker for your currently registered vehicle has been lost, stolen, mutilated, or is illegible, you must request a replacement sticker and pay a substitute fee.
You may obtain a replacement month sticker at no cost by calling DMV at 1–800–777–0133 or from your local DMV; for faster service, make an appointment(s) online. If you have paid your renewal fees but your check has not cleared do not place a stop payment on your check. Special Interest License Plates have a special graphic design depicting an image relative to the organization's interest. Special Interest License Plates may be obtained by ordering personalized Plates online or submitting a completed Special Interest License Plate Application (PDF) to the DMV at the address on the bottom of the form.
Special Interest License Plates require extra fees that are used to support programs pertinent to each organization's interest. Personalized plates will be available about 10–12 weeks after they are ordered online or the completed Special Interest License Plate Application is received by DMV. Sequential license plates will be mailed directly to you at the address on your DMV vehicle record; you should receive them in approximately 4–6 weeks. You can check personalized Plates online to find out if a specific personalized configuration has been taken. When a desired configuration is not available, a letter shall not be substituted for a number, nor shall a number be substituted for a letter, to create another configuration of a similar appearance.
The number "69" is reserved only for 1969 year model vehicles that the license plates will be placed upon. The configuration is a foreign or slang word or term, or is a phonetic spelling or mirror image of a word or term falling into the categories described in subdivisions 1. The availability of the license plate selection you reserve is subject to final approval by DMV.
Complete a Special Interest License Plate Application (PDF) indicating that you want to hold the plates for future use.
If you do not wish to retain the plates, you must notify DMV to release your interest in the plates using a Special Interest License Plate Application (PDF) and surrender the plates to your nearest DMV office.
Complete a Special Interest License Plate Application (PDF) indicating that you want to reassign the plates to another vehicle, hold the plates for future use, or release interest in the plates and pay the appropriate fees. OHVs are vehicles such as racing motorcycles, trail bikes, mini bikes, dune buggies, all–terrain vehicles, jeeps, and snowmobiles. Have a DMV representative, licensed vehicle verifier, or peace officer complete a vehicle verification (on the REG 343 form). Provide evidence of ownership such as a bill of sale, out–of–state title, or Manufacturer's Certificate of Origin. Original and renewal registrations are good for 2 years and expire on June 30th of the second year. Visit the California State Parks Off Highway Motor Vehicle Recreation website for additional information and the Green Sticker Vehicle Newsletter.
If the vehicle is, or was financed, the lienholder's name appears in the legal owner section and their release with counter signature is required on line two.

Recent legislation changed the requirements for vehicle transfers occurring on or after January 1, 2005. The transfer occurs between a spouse, domestic partner, sibling, child, parent, grandparent, or grandchild. A biennial smog certification was submitted to DMV within 90 days prior to the vehicle transfer date (a vehicle inspection report may be required for proof of certification). What do I need to do if I'm moving (or moved) out–of–state, but the vehicle registered to me will continue to be registered in California? What do I need to do if I'm moving or moved out–of–state and will be registering my vehicle in the new state of residence? If you still have questions, or need to obtain a form by mail, call DMV's automated phone service 24 hours a day, 7 days a week at 1–800–777–0133. How do I stop receiving renewal notices for a car I no longer own or if I moved out of state? If you received a renewal notice for a vehicle you no longer own, DMV probably did not receive a Notice of Transfer and Release of Liability or if one was submitted it was incomplete or illegible. Registration renewal notices are computer generated more than 60 days prior to the expiration date. If this occurs, complete another release of liability form or submit a copy of your original notice of release of liability with your renewal notice, and DMV will update the information. If you have moved out of California and received a renewal notice, simply write on the notice that you are no longer in California AND provide the date that you moved out of state and mail it back to DMV. If you have purchased a vehicle registered in California, you will need to transfer the ownership within 10 days from the date of purchase. A properly endorsed title, also known as a pink slip, with the previous owner's signature on line one. When you transfer a vehicle that is four or less model years old a smog certification will not be required.The four or less model years old rule does not apply to diesel powered vehicles. If you purchase or acquire a vehicle from a private party, you have 10 days from the date of sale to report to DMV the change of ownership.
If you sell or transfer ownership of a vehicle to another party, you have 5 days to report the transfer to DMV. Submit your title to DMV within 30 days to remove the lienholder's name, and DMV will issue a new title in your name.
You will need the title, also known as the pink slip, with the previous owner's releasing signature on line one.
You may apply for a duplicate title if your original title has been lost, stolen or mutilated. If you present the application at your local DMV office, you will be required to show your California photo driver license. California registration fees are due and payable upon receipt of the registration renewal billing notice, which is mailed out approximately 67 days before the expiration date. If a vehicle is taken out of California before the beginning of the renewed registration period, you may be entitled to a refund. A refund is not due if you paid the registration fees and then sold the vehicle before the expiration date. If a person has repaired, furnished supplies or materials, towed or stored a vehicle AND has not been paid for the services rendered, that person has a lien against the vehicle. If the vehicle is towed by a public agency or private towing company, the lien arises when the vehicle is towed or transported. If the vehicle's value is $4,000 or less, the registered and legal owners of record will be notified by the party conducting the lien. A salvage vehicle is a vehicle that has been wrecked, destroyed, or damaged to such extent that the insurance company considers it uneconomical to make repairs to the vehicle and the vehicle is not repaired by or for the person who owned the vehicle when the damage occurred.
The California title will contain a notation identifying this vehicle as a salvage vehicle.
Since the California DMV has an aggressive delinquent registration collection process in place, it may be that renewal fees have been paid but other requirements have not been met, such as: smog certification, or clearance of outstanding parking citations. If the renewal fee is not paid within 30 days following the expiration, DMV sends a series of computer generated delinquent registration notifications to the vehicle owner(s). If you have additional questions or wish to report a vehicle with expired registration, you may contact your local law enforcement.
What to do after your insurance company settles your accident claim and you keep the vehicle?
You must apply for a Salvage Certificate or Nonrepairable Vehicle Certificate within 10 days after a total loss settlement if you retain the vehicle as a portion of the settlement.
A junked vehicle is one which has been dismantled because it was wrecked, abandoned, or a low valued vehicle that was impounded and acquired from an enforcement agency and is no longer operable. The Department of Consumer Affairs Arbitration Certification Program is responsible for certifying and monitoring the arbitration processes used by participating manufacturers to resolve warranty disputes under California's Lemon Law.
A California public weighmaster's certificate of the vehicle's unladen or empty weight is required for trucks and pickups. Trucks or pickups previously registered in California, when the prior California registration shows the empty or unladen weight, and the vehicle has not been modified so as to change the weight. Trucks or pickups with an empty or unladen weight of 6,000 pounds or less, if the out–of–state certificate of title or registration indicates "empty, unladen, or shipping" weight, and the vehicle has not been modified to change the weight. Enter the information required including your policy number and premium the click on “submit” to send in your payment. I remember the days when people would visit the LIC offices, stand in the never ending queue and wait for their turn to pay the premiums.  However, with the advent of technology and modern banking concepts, we can now do away with this visit and the long queues.
There is no need of duplicate LIC premium receipt as you can take a print every time you login. On the Home page you will see a “Customer Portal” button, under which there are two options “Existing” and “New”.
You will have to mention the New Loan Number, the Sanctioned Amount and your Date of Birth. The mail will include an activation link for your account along with your Login Id and Password. On successful login you will be redirected to your own loan account where you can see your personal details as well as details of the linked home loan account.
Now you will be asked to put in the loan number and after clicking the “Go” button you will be taken to the next page where all your loan related information are available. This will generate your loan statement for that particular financial year in a pdf format and this one will be automatically downloaded to your system. He assists his clients from designing a website to drive sales through SEO, PPC & Social Media. X aged 35 is taking a Term insurance policy from LIC for a 25 year term, he has to pay an annual premium of around 19,850 for a 50 lakhs policy.
X aged 35, can buy an online term policy of 50 Lakhs by paying around 5200 as annual premium. This will ensure lower death rate among these clients and so insurance companies can offer lower rates. If the policy is sold through an agent, in addition to the commission, there are other administrative expenses like sales incentives, manager’s salary etc. Based on the medical reports and such disclosures the company may load the premium, depending on the health condition of the prospect. The premium quoted in the website is that for a healthy person with no adverse medical history.
The contact details of the insurance company should be known to the nominee, to avoid confusion, in case of a claim at a later date. I have done Post Graduate Diploma in Financial Advising from Indian Institute of Banking and Finance. But when you are applying for new policies, please mention details of all your existing policies.
Also are all the companies not to follow the same mortality table that of LIC of India, now.
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Be sure to pay your renewal fees on or before the date of expiration shown on your current registration card or penalties will be due in accordance with Vehicle Code Sections 9552 - 9554. According to the law, any minor who does not possess a valid driver's license cannot order, purchase, lease, accept, or otherwise obtain any vehicle subject to registration (Vehicle Code §15500). If you paid your renewal fees prior to acquiring the smog certification, and you have not received your registration card or sticker, you should call your local DMV or 1-800-777-0133 between the hours of 8 a.m. Include the vehicle license plate number, your true full name, current address, your driver license number and signature.
For faster service, make an Appointment(s) online, or by calling 1- 800-777-0133 before you visit a DMV office.
For faster service, make an appointment(s) online, or by calling 1- 800-777-0133 before you visit a DMV office.
This is necessary to assign the new plates to a vehicle record and issue a new registration card and year sticker. They are available with configurations of numbers, letters, or both, which have been personally chosen by the applicant (personalized) or are standard issue configurations (sequential).

You will need the information from your registration card to order online or to fill out the Special Interest License Plate Application.
You will receive up to three notifications (approximately 30–days apart) from the office you selected when you ordered the plate.
Reminder, even if your plate selection is available and you pay for the personalized plate, it does not guarantee the plate will be made.
Personalized plates are subject to an annual retention renewal fee based on the type of plate you have even though plates are not on a vehicle. If you have a 7–digit plate configuration, but the plate type you want to order only allows for a 6–digit plate configuration, you won't be able to change plate types.
The next available plate will replace sequential configurations; personalized plates will be duplicated. There are Amateur Radio, Antique Motorcycle, Congressional Medal of Honor, Historical Vehicle, Honorary Consul, Horseless Carriage, Legion of Valor, Pearl Harbor Survivor, Purple Heart Recipient, Press Photographer and Year of Manufacture License Plates.
These vehicles are operated exclusively off public roads and highways on lands that are open and accessible to the public. The smog certification is not required if the owner or buyer signs a statement that smog certification was submitted with renewal fees within 90 days prior to the transfer date (a vehicle inspection report may be required for proof of certification). If the title does not have a designated space for this information, a REG 262 reporting the odometer mileage must be signed by both the seller and buyer. Use the Change of Address (DMV 14) form to notify the Department of a change of residence or mailing address for your vehicle, vessel, driver license, or identification card records.
You must submit another Notice of Transfer and Release of Liability for the vehicle record to be updated. Occasionally, these renewal notices are generated within days of the sale of your vehicle and the documents may cross in the mail.
Call 1–800–777–0133 to make an appointment at a local DMV office near you for faster service. If the vehicle is or was financed, line two of the title will also require a releasing signature.
The smog certification is not required if a biennial certification was submitted to DMV in conjunction with renewal fees within 90 days prior to the vehicle transfer date.
Transfer fees must be paid to DMV within 30 days of the purchase date, even if you do not have all of the required documents. If the lienholder is in DMV's Electronic Lien and Title Program (ELT), the title will be automatically mailed to you. Any adjustment of the fees is an issue to be addressed between the buyer and seller when establishing the selling price of the vehicle. The lien arises at the time the registered owner is presented with a written statement of charges for completed work or services. Interested parties, including the registered and legal owners of record will be notified before the sale occurs. If the renewal fee still remains unpaid after 90 days, the account is transferred to the Franchise Tax Board (FTB) for collection. California's Lemon Law allows a consumer to obtain a replacement or repurchase of their vehicle, where the manufacturer is not able to conform the vehicle to its expressed warranty after a reasonable number of attempts while the vehicle is under the manufacturer's original warranty. They provide a variety of their service online such as buying of policies and getting advice from the customer care team.
When you are paying for a home loan, you are expected to get exemptions from Income Tax; and the home loan statement is needed as a proof of the sum you are paying back. Its very quick and easy and you’ll be able to get it all done in less than 5 minutes. In case of his death anytime during the next 25 years, his nominee will get the 50 lakhs as the insurance claim. The customers can avail the high class medical facilities available there, which will increase their longevity.
In some cases, you can expect the loading to be equal or more than the normal premium, depending of the extra risk of the prospect, as estimated by the underwriters of the insurance company. I have one query: If I am fully fit, no adverse thing comes up in medical report, declares everything correctly in form, still, will my premium be loaded and will it be different the what is shown in insurance company website including s. Together with savings in agent related expenses, new companies can offer better rates to the selected low risk category. If after the 3rd notice, you have not picked up your plates within 30–days, the plates will be destroyed and the selection you made will be made available to another customer. Substituting numbers for letters or vice versa may be confused with an existing plate and is not permitted. For credit card chargebacks, it may take 2–3 billing cycles for you to see the credit on your credit card statement. If able to proceed, complete the Special Interest License Plate Application (PDF) indicating that you are requesting an exchange. If both personalized plates are lost or stolen, the same plate cannot be reissued; you must make another personalized plate choice.
Order personalized Plates online or submit a Special Interest License Plate Application (PDF) to the DMV at the address on the bottom of the form.
These plates require the Special License Plate Application (PDF), require proof or documentation, and cannot be ordered online.
They do not require regular registration, but must display an identification plate or device issued by DMV. Vehicles registered for on–highway use only may be subject to a "use fee" if operated in OHV parks. The seller is responsible for reporting the change of ownership to DMV within 5 days from the date of sale. If you are moving out of the country and are going to export your vehicle by ship or air select this link here for more information. A Notice of Transfer and Release of Liability must be submitted not only when the vehicle is sold, but also if it is gifted away or donated. Failure to do so will not stop any collection efforts, up to or including, wage garnishments or bank levies. If the title is lost, an Application for Duplicate or Paperless Title (REG 227) (PDF) must be completed and signed.
Failure to pay your fees to DMV within 30 days will result in transfer and use tax penalties. The ELT is a voluntary program for lienholders that provides the lienholder with an electronic (paperless) certificate of title in lieu of a paper title. The smog certification is not required if a biennial certification was submitted to DMV in conjunction with renewal fees, within 90 days prior to the vehicle transfer date. You may mail the completed application with the unused sticker and registration card to the address on the form. FTB has the authority to withhold wages, levy bank accounts, intercept tax refunds, and seize real or personal property to collect delinquent registration fees. Clicking on the “online services” button will also get you to the login page for the customer portal where you can make your payments. The online generated statement can be used as an evidence of the principal as well as interest you have paid on a housing loan at the time of submitting your Income Tax returns. If you have not received your stickers and registration card within eight weeks of mailing please call DMV?s telephone service center at 1–800–777–0133 between the hours of 8 a.m. Environmental License Plates are the standard California plates, which do not have graphics, and are only available with personalized configurations.
You may make an online appointment or call 1–800–777–0133 to pay the annual retention fees. Also, there are Personalized Livery and American Ex–Prisoner of War License Plates that require the Special Interest License Plate Application, and cannot be ordered online. After DMV updates the information from the Notice of Transfer and Release of Liability, you will be cleared from future liability on the vehicle.
There is an additional fee for a duplicate title, and signatures of the legal owner and lienholder must be notarized. To obtain a form by mail, call DMV's automated phone service 24 hours a day, 7 days a week at 1–800–777–0133. To access these services which are specific to your account, you will need to register for an online account and login.
This includes questions on your health conditions, habits, treatment record, family history of any diseases, your existing policies etc. The purchaser is responsible for reporting the change of ownership to DMV within 10 days from the date of purchase. If the vehicle was not purchased from the owner whose name appears on the title, you will need a bill of sale from each in–between buyer. Failure to pay this annual fee will result in cancellation of the plate and possible reassignment of the configuration. If you mail a new payment, renew over the Internet, or in a field office and your first check clears at a later date, the department will automatically issue a refund.

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