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Future of insurance is bright .....
http://abhiyan.com.np/article-lagani_27asar2071_beema

dont worry now, u have to worry only when insurance index comes to 2500. then think to sell shares, but that time no one could find buyers.

Thank you longtermlaganikarta and master...
your words hav brought me some solace,i m definitely going to hold them

Just think the price of BFI when their capital was low (before 6-7 yrs, when index was at 1175), NABIL 6000, SCB 8000. The same thing is happening for insurance companies. No need to worry.

Because some of the companies gave much higher returns to the shareholders than others, their price are higher and till the insurance script we hold is in good financial condition and give good returns, we do not need to worry whether the script we are holding is a BFI script or Insurance script.So please do not worry Mr.sano_investor if you have a good insurance company script.

herd behavior may have played major role in driving both life and non-life script downward. as you said fundamental basis of growing or falling of these two types of insurance is different.

Why is general insurance too decreasing.... they never increased due to (2billion hawa, 1 billion in their case/non life) so why are they decreasing with life insurance.....

Let's check the differences between life and general insurances-
- life is less risky but suppose to be low profit- cause almost all of its cash in belongs to policy holders where as general insurance is risky but its profit belongs to itself.
-life has to give its money to its policy holder in 20-25 year (are they planning to run away to india after 20 yr so they are showing show much profit and distributing it, and they have risk in their investment so what are they going to pay to policy holder if their investment is in problem... do they want their policy holder to commit suicide when they reach 70 yr.

and regarding, eg- how may heavy vehicles are there in nepal, probably in lakhs, but how many meet an accident (major) less than 100 which is far less than .01%.... so unless general insurance is ran by or promoted by criminals they are safe... unless there is a war ..... in that case they will increase their premium to make healthy profit.

So i dont like general insurance decreasing with the decreasing price of life insurance especially general insurance never increased with life insurance....

If life's capital is going to be increased by 2 bill wont the capital of general insurance will be increased too to 1 bill.. so why price of general insurance not increasing.... I think price of general insurance should be 2/3 of what is life insurance so general insurance should increase by 3 times unless price of life insurance drop by 4 times.




Any thought??????????????????????????????

Bimalman sir and other experts...
insurance sector ma ako yo ahile ko correction matrai ho ki,is insurance sub-index is heading towards bearish phase? plz suggest