May 18

Auto Insurance In

By News On Portuguese Life InsuranceNo Comments

Waiver of Mosaic search service of Brazil, Serasa Experian, shows that in 2011, C-class components groups, 41.3% of the offerings have used insurance market for cars in Brazil.

The Mosaic analyzes and classifies 135 million people, according to the lifestyle and behavior (consumption, credit, marketing, etc.) in 10 groups and 39 distinct segments. The results were published on Thursday (17) by Serasa.

In 2008, the class C represented 29.1%, which represents a growth of over 40% in three years. This plot never invested so much in society – segment is the first time that sits on top of the rankings. This is the conclusion of the survey on consumption of auto insurance from Experian Marketing Services. According to the classification for the removal of persons belonging to the groups, Young and Aspiring Social Periphery Rural Brazil were the largest consumers of this kind of insurance.

“The new auto insurance consumer market, composed of groups in social Ascension, becomes the focus of companies who now seek to improve communication and interaction with that population. In this new relationship that establishes itself, there is a huge possibility of diversification of segmented offerings. Thus, to understand who is this new audience is critical to business growth of insurance companies, “says Juliano Marcilio, President of Serasa Experian Marketing Services and Experian Latin America.

The Aspiring Social GROUPS – the Group was responsible for the consumption of 21.0% of auto insurance in 2008, having grown up to 22.5% in 2011. He represents 9.74% of the Brazilian population which has an average age of 41 years, with monthly average income of $ 1,620 .00.

In turn, between 2008 and 2011, the Group also had the Outskirts Young auto insurance consumption growth, rising from 4.1% to 9.8%, i.e. more than doubled. He represents 20.92% of the population has an average age of 32 years, with monthly average income of R $ 950.00.

The profile Rural Brazil represents 16.05% of the total Brazilian population and participants have an average age of 42 years and monthly average income of R $ 960.00. The group, which consumed 4.0% auto insurance in the country in 2008, reached 9.0% in 2011, 125% growth for the period.

HIGHER CLASSES-when evaluating the historical development between 2008 and 2011, one can realize that Mosaic groups Brazil components of higher classes, as rich, Sophisticated and Influential; Prosperous Urban Dwellers and Entrepreneurs and traders, lost in time. representativeness

The Wealthy, sophisticated and Influential groups had their relative involvement in auto insurance consumption reduced by 15.1% to 7.9% between 2008 and 2011, while Prosperous Urban Dwellers had 22.8% fall to 15.1% and 16.2% Entrepreneurs and traders to 14.1%. These higher income segments of society, which historically had almost exclusive focus of insurers began to compete for the attention of enterprises with the new consumer market.

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May 18

Since Cancer Is Testimony To The Fact

By News On Korean Life InsuranceNo Comments

IM Yun-taek is now involved in the recording, the most difficult thing is that peoples ‘ excessive attention and suspicion that had confessed.

IM Yun-taek is gastric can Cavort like a four start to suspect that people around in the wind, people, it’s hard to watch getting hurt.

Never mind about this, but have noticed the fat is being said antaggaumeul has begun to show.

Also, since cancer is testimony to the fact that life insurance ads had received an offer to the public year around.

Lim Yun Pantech’s story was 19, 10: 25 pm is broadcast on KBS 2TV

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May 18

Unemployment Insurance

By News On Spanish Life InsuranceNo Comments

The expert in Labor Affairs Nestor Herrera told National Radio that the figure put forward by the Government to establish unemployment insurance, might be to the redundancies of the worker resources already are not used for purposes such as housing or education acquisition and is reserved exclusively for a possible situation of loss of work.

However, he indicated that the limitations that could have this figure include that there are many people that have contracted credits with the national savings fund, laying down the pledge of the severance package. Furthermore, another difficulty would be when the worker does not have too many saved resources, which would lead to that the aid is not big and limited in time.

He also said that there is a large group of workers who are under the figure of provision of services and, therefore, do not receive a severance package.

Herrera also referred to the possibility of creating a national employment service through the Seine and said that that entity already existed under the name of Senalde, which is responsible for collecting the leaves of life for graduates and send them to companies that might be interested in certain profiles.

 

Thursday, 17 may 2012 08: 50

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May 18

Greek State On Your Life Insurance Contract

By News On French Life InsuranceNo Comments

Hi Jessica,.

The impact of a potential bankruptcy of the Greek State on your life insurance contract, several points are to be considered.

On the one hand, it read your contract to determine the composition of the Fund euros. Indeed, it may be that Fund euros does not obligations of the Greece. Therefore, there is no effect on the performance of your life.

On the contrary, if Fund EUR incorporates Greek debt, there may be actually effects on the rate of pay applied by the end of the year. But its impact will be insignificant.

As surely, know the Fund in euros is an investment whose performance is guaranteed. Regardless of the hazard on the market, the insurer guarantees 100% the amount invested on the euro Fund and it applied a rate of annual return.

Failure of a State, the amount invested is covered by own funds that the insurer must mobilize. It is a regulatory obligation under the new so-called “Solvency II” standards.

Cyrille Chartier-Kastler, Chairman of the cabinet of Council Facts & Figures, said the mechanism used by insurers to deal with impairment of obligations: “Generally they all have a provision for participation in surpluses (EPP) in which they can draw upon to absorb the depreciation of obligations.”

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May 18

Insurance Companies

By News On Italian Life InsuranceNo Comments

NAPLES-3,000 and 800 euros for a scooter 125 displacement. This is the cost of an insurance policy for a 20-year-old Naples motorcyclist who has never been involved in traffic accidents. The complaint is Federconsumatori, who has calculated the cost of the same Bill in other Italian cities. 818 euro 1150 to Padua, in Milan. A gap with impressive figures of Naples, over 230% in Milan. The caro-insurance is an increasingly worrying phenomenon in town, much to motorists as for motorcyclists.

“Companies don’t want to insure mopeds-complaint Rosario Stornaiuolo of Federconsumatori-why didn’t earn enough. Care of theft and fraud. And, when they do, apply rates of this type. In Naples there are very high prices even for young people, under the pretext of the chances of traffic accidents. But, to a guy who has never driven before, how do you say make accidents? Then you understand that is just an excuse. ”

An account confirmed by data Aci, who see the West far from Lombardy and Lazio on the list relating to accidents with motorcycles. In 2010, 3693 were accidents involving motorcyclists campani, against Lazio and 10082 9522 della Lombardia. Also Tuscany and Liguria were placed in front of the Campania.

«Then it is obvious-resumes Stornaiuolo-that there is a geographical discrimination. The truth is that elsewhere companies recover earnings with other policies, from life in the home. And this does not happen in Naples.

Some young riders tell me: If insurance costs so much, how do I pay? Therefore, many decide to dispense with it. And if I sequester scooter-riders-say I buy another because a moped costs less than a new policy ‘.

Evasion of compulsory insurance is becoming more widespread in the city. About 40% of circulating vehicles, according to consumer associations-it lacks insurance. A phenomenon that is multiplying the protests and appeals on the internet insurance companies by the so-called virtuous drivers.

“I am a citizen-writes an anonymous blogger-that does not cause accidents, but I penalized making me pay three times more than a citizen of other cities; I am also a citizen who is likely to be the victim of an accident with an uninsured car.

It is precisely in Naples on record for the most number of motorists. According to a study by SuperMoney-portal on a sample of 100 thousand requests for quotation for policyholders received during the first 4 months of 2012-in Naples there is an average of 1.15 driver incidents against Roma, 1.225 and whole North Italy 1.215.

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May 17

And Surpluses Of A Life Insurance Policy

By News On German Life InsuranceNo Comments

Berlin: (hib/HLE) whether insured were fair share of revaluation reserves and surpluses of a life insurance policy, according to the Federal Government by the circumstances of the individual case depends. In a reply of the Federal Government (17 / 9327) on a small inquiry of the Group Bündnis 90 / Die Grünen (17 / 9237) it means to apply a ruling of the Federal Constitutional Court, the legislature tried to reconcile the interests of the affected policyholders in line. The Court had ruled that outgoing holder to the hidden reserves of the insurance undertaking are to participate from a life insurance policy.

Legislation opposing interests were taken into account: “Withdrawing policyholders have an interest in a high stake in the revaluation reserve.” “Policy holder remaining in the insurance have an interest in that valuation reserves as comprehensively as possible preserved, because secure the revaluation reserves also their future claims,” the Government portrays the different interests. It meet to that payouts so far unrealized reserves could reduce future surpluses.

For establishing transparency, it was been decided that the companies for all investments in the notes to the balance sheet to specify the time value would have. This regulation is well manageable. Would have a complete calculator provided each insured be must, from which would apply which part of the revaluation reserves attributable to his contract that would be incurred high administrative costs “which would significantly reduce the payment amount”, argued the Federal Government.

Also on the road keep informed with the free app “Deutscher Bundestag”, m.bundestag.de.

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May 17

Life Insurance Life

By News On Korean Life InsuranceNo Comments

Samsung life insurance has abandoned this ING life argument. Asia Pacific corporate divestiture is not the way the company strategy and true for reunification.

17, according to the overseas business strategy of Samsung life into one argument, an attempt was made to sell for the interest on the current and destination do not match the company’s business strategy, strategy and preliminary bidding chose not to participate in the

Samsung life and the manner in which the sale of the official “If there are any changes in the scheduled review to participate.”

In domestic markets, the financial and Samsung life KB about life, had this argument before I take the plunge as kyobo life insurance. Foreign, IPO 2010, American International Group (AIG), a successful Asian subsidiary of AIA group and participated in the u.s. before the acquisition of Eastern life, Prudential, and the candidates were mentioned by the military.

However, the decision to amend the prime of life, Samsung acquire candidate counties, such as financial holding, AIA group, Korea life KB as narrowed.

ING Group is the sale of seven Asia-Pacific Corporation belonging to the argument about the way shown will decide after the letter of intent. However, the form of the joint venture Asia Pacific Corporate Center, South Korea and India are separated only corporate People’s Republic of China has its own powerful sale.

If the Korean Corporation, financial and insurance industry’s separate maegaghal for life and KB is set to msoTrue, this argument is expected to embark on the kyobo life insurance. ING life Korea Corporation is located on top of the whole Saint boy but in the 4 1-up to 5% on the foreign market share.

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May 17

This Insurance Would Have A Coverage

By News On Spanish Life InsuranceNo Comments

The Minister of labour, Rafael Pardo, explained that the protection provided for registration in the public employment service, which would be in operation from the first of January 2013, where you should take your resume and receive training or rentrenamiento to get formal employment again.

Also would receive for a period of up to six months a financial support, financed with the resources that today make up the national unemployment fund and a few additional items provided by the Government, as well as half of the severance package saved by one of the workers.

“Of an individual account, that feeds half of the severance package for each person, which must be in an individual account, to cover periods of unemployment.” There would be a percentage of the wage which has had. “And a solidarity fund, proceeds of the restructuring of the unemployment fund of boxes of compensation, with additional resources, to give health and pension contributions, and the family allowance for children,” explained Pardo Rueda.

The Minister hoped that the draft be adopted in first reading during this semester, and by September conclude its transit in Congress that would operate from January 2013.

The official estimated that according to Government projections, this insurance would have a coverage of 37 to 40 thousand people per month, more than 80 thousand annual unemployment benefits on average today granting compensation boxes.

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May 16

Insurance In

By News On German Life InsuranceNo Comments

The British insurance company standard life comes with a new product on the German market. Unit-linked life insurance “Maxxellence Invest” to penetrate but mostly brokers with a regional campaign in the minds of consumers.

The market for life insurance in Germany is unattractive not only in view of the interest rate lows. To gain a foothold as a relatively small player with a small marketing budget is difficult. Standard life ventures the step with the support of the Düsseldorf Office of Ogilvy & Mather. The Agency, which has won the customers last year, believes to have found a solution to reach of the target groups better incomes and financial intermediaries. “„Wir have spoken with many brokers and quickly found that promise classic ways, for example by means of direct and E-mailings, only little success”, explains Ogilvy consultant Marc Bertelsbeck.  Then, together with the Cologne agency specialising in GEO-media Xtensus, Ogilvy developed campaigns in metropolitan areas, where the target groups to be found in particular should be. Last week began in Frankfurt. The hope is that the broker will open the standard life Vertrieblern with the new old-age provision product in the luggage of their doors.

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May 16

This Was A Mistake That The Government

By News On Portuguese Life InsuranceNo Comments

“This was a mistake that the Government has committed. The increase in VAT was nonsense, “said the Socialist Secretary-General, António José Seguro, speaking to journalists at the end of a meeting with a delegation of the Association of hotels, restaurants and Similar of Portugal (AHRESP).

Promising to be alongside the workers and owners of restaurants and hotels that are “to life and accounts cannot find money to pay what are your responsibilities”, António José Seguro considered the increase in VAT for this sector as “a mistake”.

“An austerity-pardon the expression-a stupid austerity, because what we need is to reconcile employment and economic growth with a smart austerity, which does not throw away what are even activities which are able to guarantee employment as is the restoration,” he stressed. Therefore, continued, contrary to what the Government envisaged, the State will not raise more revenue, because the work of restoration and tourism sector has slowed down.

Regarding the meeting with AHRESP, António José Seguro is said to have been an important meeting in which had the opportunity to say what I expected to happen, in a “day of much affliction” for restaurant owners and tourist units, insofar as it is the closing date for the payment of VAT.

“There has been an increase of 77% of VAT, there are many entrepreneurs who had difficulties and do not know if everyone were able to pay this VAT”, stressed today, remembering that the PS “fought hard” to avoid the VAT rise because I feel that in view of the breakdown of the economy “was essential to maintain some competitiveness” in restaurants that generate jobs. António José Seguro pointed out the fact that many restaurants were close, revealing that the AHRESP estimates that this year there will be 23 thousand new unemployed in the sector.

The Secretary-General of the PS was also asked about the justifications advanced today by the Minister of Parliamentary Affairs, Michael Relvas in relation to the case of the secret, but António José Seguro declined to respond. “Today I had a lot to work in this area because I am anxious about the situation of owners of restaurants, employees and with the tourism sector,” he said.

Also speaking to journalists, the President of AHRESP said that today is “a black day” for the sector, lamenting that many businesses in the catering and tourism have not been able to pay VAT or who have been forced to borrow money to do so. Mário Pereira Gonçalves also said that within one month AHRESP will present a petition that has gathered more than 30 thousand signatures, to return to lead the discussion of restoring VAT rate and the tourism sector to the Assembly of the Republic.

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