This presentation reviews the new product releases from the annuity carriers and life insurers we cover in our Annuity Monitor and Life Insurance Monitor research services.
Inside, we review the new products introduced in the fourth quarter of 2013.
WebTek Labs creates high-impact solutions to help clients achieve their business goals through a comprehensive suite of services including testing, staffing, training, application management, and consulting. With over 10 years of experience, WebTek Labs believes success can be achieved through a classic scientific approach optimized with innovative methods in service marketing, technology, communication, and management.
1. TCP provides connection-oriented and reliable byte-stream communication between applications over IP networks. It uses flow control and congestion control to ensure reliable data delivery.
2. A TCP connection is established through a 3-way handshake where the client and server exchange SYN and ACK packets to synchronize sequence numbers and establish the connection.
3. Data is transferred in segments containing sequence numbers. ACKs confirm received segments and allow out-of-order delivery. Buffers store unacknowledged data.
4. Connections close through an orderly shutdown with FIN packets from each end acknowledging the other's end of data, followed by a TIME_WAIT state to detect lost ACKs.
The document provides an overview of the Java Persistence API (JPA). It describes JPA as an API for managing Plain Old Java Objects (POJOs) and mapping their state and relationships to a relational database. It discusses key JPA concepts like entities, the entity manager, queries, object-relational mapping, and common annotations.
Rapport de Situation #3 Tempête Tropicale Sandylaurentlamothe
Tropical Storm Sandy Situation Report #3 provides the following information:
1. Sandy is located about 130km south of Cape Hatteras, North Carolina and is moving north around 12km/h. Maximum sustained winds are near 85km/h with higher gusts.
2. Sandy is expected to continue moving north and make landfall between Delaware and New Jersey by Monday evening. Strong winds and heavy rain are expected over portions of the mid-Atlantic coast.
3. Officials warn of potential flooding, power outages, and dangerous coastal conditions due to high winds and storm surge over the next 48 hours for areas in the projected path of Sandy.
Use of correct articles (a,an, the) is very important to write grammatically correct English. This presentation is about proper use of definite article the. It describes where to use this article and also where not to use.
This document provides information about vertebrates. It defines vertebrates as animals that are members of the subphylum Vertebrata and have spinal cords. Vertebrates make up most of the phylum Chordata and there are currently about 64,000 described species. The document notes that vertebrates are divided into jawless vertebrates and jawed vertebrates, and provides some examples of different types of vertebrates.
Annuity and Life Insurance Product Update - Q2 2014Corporate Insight
This quarterly slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services (see full coverage list on next slide).
Inside, we rundown the new products introduced on the firm’s websites in the second quarter of 2014 and highlight their key features.
WebTek Labs creates high-impact solutions to help clients achieve their business goals through a comprehensive suite of services including testing, staffing, training, application management, and consulting. With over 10 years of experience, WebTek Labs believes success can be achieved through a classic scientific approach optimized with innovative methods in service marketing, technology, communication, and management.
1. TCP provides connection-oriented and reliable byte-stream communication between applications over IP networks. It uses flow control and congestion control to ensure reliable data delivery.
2. A TCP connection is established through a 3-way handshake where the client and server exchange SYN and ACK packets to synchronize sequence numbers and establish the connection.
3. Data is transferred in segments containing sequence numbers. ACKs confirm received segments and allow out-of-order delivery. Buffers store unacknowledged data.
4. Connections close through an orderly shutdown with FIN packets from each end acknowledging the other's end of data, followed by a TIME_WAIT state to detect lost ACKs.
The document provides an overview of the Java Persistence API (JPA). It describes JPA as an API for managing Plain Old Java Objects (POJOs) and mapping their state and relationships to a relational database. It discusses key JPA concepts like entities, the entity manager, queries, object-relational mapping, and common annotations.
Rapport de Situation #3 Tempête Tropicale Sandylaurentlamothe
Tropical Storm Sandy Situation Report #3 provides the following information:
1. Sandy is located about 130km south of Cape Hatteras, North Carolina and is moving north around 12km/h. Maximum sustained winds are near 85km/h with higher gusts.
2. Sandy is expected to continue moving north and make landfall between Delaware and New Jersey by Monday evening. Strong winds and heavy rain are expected over portions of the mid-Atlantic coast.
3. Officials warn of potential flooding, power outages, and dangerous coastal conditions due to high winds and storm surge over the next 48 hours for areas in the projected path of Sandy.
Use of correct articles (a,an, the) is very important to write grammatically correct English. This presentation is about proper use of definite article the. It describes where to use this article and also where not to use.
This document provides information about vertebrates. It defines vertebrates as animals that are members of the subphylum Vertebrata and have spinal cords. Vertebrates make up most of the phylum Chordata and there are currently about 64,000 described species. The document notes that vertebrates are divided into jawless vertebrates and jawed vertebrates, and provides some examples of different types of vertebrates.
Annuity and Life Insurance Product Update - Q2 2014Corporate Insight
This quarterly slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services (see full coverage list on next slide).
Inside, we rundown the new products introduced on the firm’s websites in the second quarter of 2014 and highlight their key features.
This document discusses how Rafael Hernandez School in Newark, NJ uses formative assessment data from the Edulastic platform to guide classroom instruction. It provides examples of how teachers use real-time data from daily "Do Nows" and other assessments to identify student misunderstandings, inform small group instruction, and ensure all students are prepared for technology-enhanced questions on standardized tests. The timely data allows for reflection on teaching methods and collaboration between teachers to best meet student needs.
The document discusses the difference between using "much" and "many" when counting or not counting nouns. It explains that "many" should be used with countable plural nouns, while "much" should be used with non-countable or uncountable nouns. It provides examples of using each word correctly in sentences.
The document discusses exporting a restaurant service from Colombia to Argentina. The restaurant, called Bar-restaurant Gallery the doors, would serve delicious Colombian dishes and provide excellent customer service. Argentina was selected as an export target because Argentines enjoy Colombian food and would be potential customers. The business idea is expected to succeed because many people like Colombian cuisine and the restaurant focuses on customer attention. Exporting the service could contribute to Colombia's economy by creating jobs and increasing tourism through the promotion of Colombian food.
Five kingdom classification system divides life into five kingdoms: Monera, Protista, Fungi, Plantae, and Animalia. Monera are single-celled organisms without nuclei or organelles that can photosynthesize or absorb nutrients. Protista are also single-celled but have organelles and may photosynthesize. Fungi are multicellular and absorb nutrients from decaying material. Plantae are multicellular photoautotrophs with chloroplasts and cell walls. Animalia are multicellular heterotrophs that ingest nutrients and move using various locomotion methods.
The document summarizes an advertising campaign for a new car mirror accessory called the Pretty Woman Deluxe Auto Mirror. The target demographic is women ages 25-45. The campaign will include a half-page color ad in Connecticut Magazine and a digital billboard on I-84 east in Hartford. The total budget is $15,000 and the advertising is expected to generate around 740,000 impressions over 30 days, coming in under budget at $14,210. Sample ads and layouts are presented.
This document provides guidance on effective resume and cover letter writing. It discusses what a resume is, common resume myths, and appropriate resume content and formatting. It also covers developing strong action statements using approaches like PAR (Problem, Action, Result), recognition, "So What", and Who, What, When, How. Finally, it discusses the purpose and components of an effective cover letter, including dos and don'ts.
The document discusses different team members' perspectives on Christmas. It includes short passages from Alejandro, Eduardo, Evelyn, Luis, Jonathan, and Erika. They express enjoying spending time with family and friends, the meaning of Jesus's birth, Santa Claus bringing gifts, decorating trees, and having special dinners together.
The 13
th annual Annuity Monitor Awards Report highlights the best digital annuity tools and features offered
by firms in six key areas: Retirement Education Resources, Retirement Saving Calculators, Account Owner
Document Centers, Account Owner Self Service Capabilities, Advisor Search and Book of Business.
Announcing the Gold Medal Winners of the Advisor Monitor AwardsCorporate Insight
The 18th annual Asset Management Monitor Advisor Awards Report offers a broad benchmarking of advisor websites across five key categories: Fund Profiles, Homepages, Commentary and Thought Leadership, Retirement Tools, and Literature Centers. We provide best in class examples for each of the
topics covered and explain why we consider these offerings to be industry leaders.
The document summarizes the 2019 Asset Management Monitor - Investor Awards Report, which benchmarks investor websites across five categories and awards gold, silver, and bronze medals. Columbia Threadneedle, T. Rowe Price, and Fidelity are highlighted as winning gold medals in the categories of public homepages, secure site homepages, fund profile pages, help centers and retirement planning tools respectively. The report provides best practices and highlights strengths of award winning sites.
This quarter, we are proud to present our first Digital Advice Awards Report, detailing the best features of
robo advisor offerings and functionalities across seven key areas. In our analysis, we review the following
offerings and capabilities for the 16 firms in the Digital Advice Monitor coverage group: Product Offering;
Investor Questionnaire; Account Information; Goal Progress Tracking; Holistic Portfolio Analysis; Fund &
Account Transfers; and Mobile Capabilities. Each category includes a distinct set of attributes and criteria
based on our proprietary Digital Advice Audit that we use to assess and rank firms.
Property and Casualty Insurance Monitor Awards PreviewCorporate Insight
The eighth annual P&C Insurance Monitor Awards Report highlights the best digital capabilities offered by insurers in five key areas: Public Site Homepages, Policyholder Site Homepages, Bill Pay, Homeowners Quote Tools and Mobile App Roadside Assistance. We provide best-in-class examples for each of the topics covered and explain why we consider these offerings to be industry leaders.
In this free slide deck, we examine new product releases from annuity carriers and life insurers covered in Corporate Insight’s
Annuity Monitor and Life Insurance Monitor research services. These include new releases from Allianz, Fidelity, Lincoln and Prudential. We provide a rundown of all new products released in the second quarter of 2019 and highlight their key features.
In this free slide deck, we examine new product releases from annuity carriers and life insurers covered in Corporate Insight’s Annuity Monitor and Life Insurance Monitor research services. These include new releases from Lincoln Financial, Nationwide and Prudential. We provide a rundown of all new products released in the first quarter of 2019 and highlight their key features.
Annuity and Life Insurance Product Update Q3 & Q4 2018Corporate Insight
The document summarizes new annuity and life insurance product releases from Q3 and Q4 2018. For annuities, it describes new riders, indexed annuities, and variable annuities from Allianz, Brighthouse Financial, Jackson, and Lincoln. For life insurance, it outlines new indexed universal life policies, term life, simplified products, and rider updates from AXA, Haven Life, John Hancock, MassMutual, Nationwide, and Prudential. The document is from Patrick Flood at Corporate Insight, which monitors annuity and life insurance products and services.
The mobile channel has become a strategic priority for financial services firms looking to attract and retain younger clients. Nearly all large and mid-sized financial intuitions allocate sizeable budgets devoted to improving their mobile properties, focusing on mobile app enhancements. In 2018, Corporate Insight’s Mobile Monitor service saw banks, card providers, brokerages and asset management firms update their app capabilities at a rapid pace.
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group over the course of 2018. We highlight basic fee information, rewards criteria and specific standout features unique to each card product offering.
Annuity and Life Insurance Product Update - Q2 2018Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of the new products introduced on the firms’ websites in the second quarter of 2018 and highlight their key features.
Corporate Insight is proud to unveil our 15th annual Asset Management Monitor – Advisor Awards, offering a broad benchmarking of the advisor websites across six key categories: Advisor Homepages, Commentary & Thought Leadership, Literature Order Systems, Multimedia, Investor Education and New Tools.
As in past years, we assign the gold medal to firms that present exceptional offerings within given categories. We award a silver medal for firms that offer similar value but lack some of the outstanding attributes and functions of the best offerings. We give the bronze medal to firms that offer a unique or noteworthy version of a feature but do not meet our highest standards for a given category. In this slide deck, we highlight the gold medal winners across all categories.
Corporate Insight is pleased to present our sixth annual Property and Casualty Insurance Monitor Awards, in which we highlight the top features on websites and mobile apps among our coverage group. This year, we benchmark industry leaders across six critical, high-level categories, awarding gold, silver and bronze medals based on how well firms meet our criteria.
We reserve the gold medal for site or app features that offer an exceptionally valuable service in an efficient, logical design. We present the silver medal for features of similar value with a few small drawbacks. Finally, we award a bronze medal for those features that are admittedly imperfect but still offer clients a noteworthy service. In this slide deck, we highlight the gold medal winners across all categories.
This document discusses how Rafael Hernandez School in Newark, NJ uses formative assessment data from the Edulastic platform to guide classroom instruction. It provides examples of how teachers use real-time data from daily "Do Nows" and other assessments to identify student misunderstandings, inform small group instruction, and ensure all students are prepared for technology-enhanced questions on standardized tests. The timely data allows for reflection on teaching methods and collaboration between teachers to best meet student needs.
The document discusses the difference between using "much" and "many" when counting or not counting nouns. It explains that "many" should be used with countable plural nouns, while "much" should be used with non-countable or uncountable nouns. It provides examples of using each word correctly in sentences.
The document discusses exporting a restaurant service from Colombia to Argentina. The restaurant, called Bar-restaurant Gallery the doors, would serve delicious Colombian dishes and provide excellent customer service. Argentina was selected as an export target because Argentines enjoy Colombian food and would be potential customers. The business idea is expected to succeed because many people like Colombian cuisine and the restaurant focuses on customer attention. Exporting the service could contribute to Colombia's economy by creating jobs and increasing tourism through the promotion of Colombian food.
Five kingdom classification system divides life into five kingdoms: Monera, Protista, Fungi, Plantae, and Animalia. Monera are single-celled organisms without nuclei or organelles that can photosynthesize or absorb nutrients. Protista are also single-celled but have organelles and may photosynthesize. Fungi are multicellular and absorb nutrients from decaying material. Plantae are multicellular photoautotrophs with chloroplasts and cell walls. Animalia are multicellular heterotrophs that ingest nutrients and move using various locomotion methods.
The document summarizes an advertising campaign for a new car mirror accessory called the Pretty Woman Deluxe Auto Mirror. The target demographic is women ages 25-45. The campaign will include a half-page color ad in Connecticut Magazine and a digital billboard on I-84 east in Hartford. The total budget is $15,000 and the advertising is expected to generate around 740,000 impressions over 30 days, coming in under budget at $14,210. Sample ads and layouts are presented.
This document provides guidance on effective resume and cover letter writing. It discusses what a resume is, common resume myths, and appropriate resume content and formatting. It also covers developing strong action statements using approaches like PAR (Problem, Action, Result), recognition, "So What", and Who, What, When, How. Finally, it discusses the purpose and components of an effective cover letter, including dos and don'ts.
The document discusses different team members' perspectives on Christmas. It includes short passages from Alejandro, Eduardo, Evelyn, Luis, Jonathan, and Erika. They express enjoying spending time with family and friends, the meaning of Jesus's birth, Santa Claus bringing gifts, decorating trees, and having special dinners together.
The 13
th annual Annuity Monitor Awards Report highlights the best digital annuity tools and features offered
by firms in six key areas: Retirement Education Resources, Retirement Saving Calculators, Account Owner
Document Centers, Account Owner Self Service Capabilities, Advisor Search and Book of Business.
Announcing the Gold Medal Winners of the Advisor Monitor AwardsCorporate Insight
The 18th annual Asset Management Monitor Advisor Awards Report offers a broad benchmarking of advisor websites across five key categories: Fund Profiles, Homepages, Commentary and Thought Leadership, Retirement Tools, and Literature Centers. We provide best in class examples for each of the
topics covered and explain why we consider these offerings to be industry leaders.
The document summarizes the 2019 Asset Management Monitor - Investor Awards Report, which benchmarks investor websites across five categories and awards gold, silver, and bronze medals. Columbia Threadneedle, T. Rowe Price, and Fidelity are highlighted as winning gold medals in the categories of public homepages, secure site homepages, fund profile pages, help centers and retirement planning tools respectively. The report provides best practices and highlights strengths of award winning sites.
This quarter, we are proud to present our first Digital Advice Awards Report, detailing the best features of
robo advisor offerings and functionalities across seven key areas. In our analysis, we review the following
offerings and capabilities for the 16 firms in the Digital Advice Monitor coverage group: Product Offering;
Investor Questionnaire; Account Information; Goal Progress Tracking; Holistic Portfolio Analysis; Fund &
Account Transfers; and Mobile Capabilities. Each category includes a distinct set of attributes and criteria
based on our proprietary Digital Advice Audit that we use to assess and rank firms.
Property and Casualty Insurance Monitor Awards PreviewCorporate Insight
The eighth annual P&C Insurance Monitor Awards Report highlights the best digital capabilities offered by insurers in five key areas: Public Site Homepages, Policyholder Site Homepages, Bill Pay, Homeowners Quote Tools and Mobile App Roadside Assistance. We provide best-in-class examples for each of the topics covered and explain why we consider these offerings to be industry leaders.
In this free slide deck, we examine new product releases from annuity carriers and life insurers covered in Corporate Insight’s
Annuity Monitor and Life Insurance Monitor research services. These include new releases from Allianz, Fidelity, Lincoln and Prudential. We provide a rundown of all new products released in the second quarter of 2019 and highlight their key features.
In this free slide deck, we examine new product releases from annuity carriers and life insurers covered in Corporate Insight’s Annuity Monitor and Life Insurance Monitor research services. These include new releases from Lincoln Financial, Nationwide and Prudential. We provide a rundown of all new products released in the first quarter of 2019 and highlight their key features.
Annuity and Life Insurance Product Update Q3 & Q4 2018Corporate Insight
The document summarizes new annuity and life insurance product releases from Q3 and Q4 2018. For annuities, it describes new riders, indexed annuities, and variable annuities from Allianz, Brighthouse Financial, Jackson, and Lincoln. For life insurance, it outlines new indexed universal life policies, term life, simplified products, and rider updates from AXA, Haven Life, John Hancock, MassMutual, Nationwide, and Prudential. The document is from Patrick Flood at Corporate Insight, which monitors annuity and life insurance products and services.
The mobile channel has become a strategic priority for financial services firms looking to attract and retain younger clients. Nearly all large and mid-sized financial intuitions allocate sizeable budgets devoted to improving their mobile properties, focusing on mobile app enhancements. In 2018, Corporate Insight’s Mobile Monitor service saw banks, card providers, brokerages and asset management firms update their app capabilities at a rapid pace.
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group over the course of 2018. We highlight basic fee information, rewards criteria and specific standout features unique to each card product offering.
Annuity and Life Insurance Product Update - Q2 2018Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of the new products introduced on the firms’ websites in the second quarter of 2018 and highlight their key features.
Corporate Insight is proud to unveil our 15th annual Asset Management Monitor – Advisor Awards, offering a broad benchmarking of the advisor websites across six key categories: Advisor Homepages, Commentary & Thought Leadership, Literature Order Systems, Multimedia, Investor Education and New Tools.
As in past years, we assign the gold medal to firms that present exceptional offerings within given categories. We award a silver medal for firms that offer similar value but lack some of the outstanding attributes and functions of the best offerings. We give the bronze medal to firms that offer a unique or noteworthy version of a feature but do not meet our highest standards for a given category. In this slide deck, we highlight the gold medal winners across all categories.
Corporate Insight is pleased to present our sixth annual Property and Casualty Insurance Monitor Awards, in which we highlight the top features on websites and mobile apps among our coverage group. This year, we benchmark industry leaders across six critical, high-level categories, awarding gold, silver and bronze medals based on how well firms meet our criteria.
We reserve the gold medal for site or app features that offer an exceptionally valuable service in an efficient, logical design. We present the silver medal for features of similar value with a few small drawbacks. Finally, we award a bronze medal for those features that are admittedly imperfect but still offer clients a noteworthy service. In this slide deck, we highlight the gold medal winners across all categories.
With 2017 coming to a close, we present the second annual Healthcare Monitor Awards, offering an analysis of the state of the health insurance industry in terms of the best digital resources available to members. This year we benchmark industry leaders across six critical categories, awarding gold, silver and bronze medals based on how well firms meet our criteria.
The gold medal is reserved for capabilities that offer an exceptionally valuable service to members in a user-friendly interface. The silver medal recognizes resources that offer strong functionalities while suffering from a few small flaws. Finally, the bronze medal goes to resources that, though imperfect, offer members an excellent or uniquely valuable service. In this slide deck, we highlight the gold medal winners across all categories.
Corporate Insight has announced the winners of its sixth annual Life Insurance Monitor Awards. The gold medal winners are highlighted for excelling in categories such as public site homepages, educational materials, mobile capabilities, client account information, advisor materials, and publicly accessible advisor information. State Farm, Prudential, USAA, Brighthouse, John Hancock, and AXA all received gold medals for providing valuable features and setting a high standard in their respective categories. Corporate Insight benchmarks the insurance industry and aims to identify best practices with these awards.
Annuity and Life Insurance Product Update - Q4 2017Corporate Insight
The document summarizes new annuity and life insurance products released in the fourth quarter of 2017 by major carriers. For annuities, it describes the key features of the Jackson Perspective Advisory II variable annuity, Principal Flexible Income Protector Plus rider, Fidelity IncomeSource single premium immediate annuity, New York Life Premier Variable Annuity, and Lincoln Covered Choice 7 fixed indexed annuity. For life insurance, it outlines the Principal Indexed UL Flex II universal life policy and Pacific Life PremierCare Choice whole life insurance product. The document also provides background on the research services that track products from leading annuity and life insurance firms.
Corporate Insight is pleased to introduce the results of our 11th annual Annuity Monitor Awards. We benchmark the annuity industry across six critical categories, awarding gold, silver and bronze medals in each based on how firms meet our criteria.
As in past years, the gold medal is reserved for exceptionally valuable services. The silver medal rewards features with similar value that lack some of the outstanding attributes and functions of the best offerings. The bronze medal recognizes firms with a strong or unique service that do not meet the highest standards in the respective category.
Our analysis focuses only on specific attributes and does not attempt to rate the overall quality of the sites or apps that we review. Excellence in select areas may earn firms some distinction in this report, but readers should keep in mind that medals are awarded for highly focused, individual categories and are not intended as general endorsements.
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group over the course of 2017. We highlight basic fee information, rewards criteria and specific standout features unique to each card and include a chart showing what firms feature which digital payment services for their product offerings.
Annuity and Life Insurance Product Update - Q3 2017Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in Corporate Insight’s Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of new products introduced on coverage group firms’ websites in the third quarter of 2017 and highlight their key features.
This document summarizes new credit card products and digital payment services from 11 major issuers in the first half of 2017. Seven new cards were released focused on rewards for spending in categories like travel, dining, Amazon purchases and more. Digital payment services like Apple Pay, Android Pay and Samsung Pay were also highlighted. Some older cards were removed, and information was provided on the Credit Card Monitor research service.
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Explore the world of investments with an in-depth comparison of the stock market and real estate. Understand their fundamentals, risks, returns, and diversification strategies to make informed financial decisions that align with your goals.
What Lessons Can New Investors Learn from Newman Leech’s Success?Newman Leech
Newman Leech's success in the real estate industry is based on key lessons and principles, offering practical advice for new investors and serving as a blueprint for building a successful career.
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Annuity and Life Insurance Product Update - Q4 2013
1. ANNUITY AND LIFE INSURANCE PRODUCT UPDATE
FOURTH QUARTER 2013
AUTHOR: JOSE MIGUEL SANTANA
PUBLISHED: JANUARY 2014
COPYRIGHT 2014 CORPORATE INSIGHT, INC.
2. TABLE OF CONTENTS
Introduction
Annuity
o Allianz Life: Index Advantage
o Allianz Life: Core Income 7
o Allianz Life: Signature 7
o AXA Equitable: Investment Edge
o Pacific Life: Income Advantage
o Transamerica: O-Share
Life Insurance
o Nationwide: YourLife Guaranteed Level Term
o Nationwide: YourLife CareMatters
o The Principal: Indexed Universal Life Flex
Corporate Insight Thought Leadership
About Corporate Insight
About the Author
2
4. BACKGROUND
This presentation reviews the new
product releases from the annuity
carriers and life insurers we cover in
our Annuity Monitor and Life
Insurance Monitor research services.
INTRODUCTION
Inside, we review the new products
introduced in the fourth quarter of
2013.
4
5. FIRMS COVERED
Below is a list of the firms we track on a daily basis for our Annuity Monitor and Life
Insurance Monitor research services:
Annuity Monitor
Life Insurance Monitor
o
Allianz Life
o
MetLife
o
AXA Equitable
o
Nationwide
o
Aviva
o
Nationwide
o
o
New York Life
o
AXA Equitable
o
New York Life
Genworth
Financial
o
o
Fidelity
o
Pacific Life
Northwestern
Mutual
o
ING
o
The Principal
o
Jackson
National
o
Prudential
o
INTRODUCTION
o
John Hancock
o
Lincoln
Financial
o
MassMutual
o
John Hancock
o
Liberty Mutual
o
Pacific Life
o
Lincoln
Financial
o
Principal
Financial
TIAA-CREF
o
MassMutual
o
Prudential
o
Transamerica
o
MetLife
o
USAA
o
VALIC
o
Vanguard
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7. ALLIANZ LIFE: ALLIANZ INDEX ADVANTAGE
Rolled out in late September, the new variable annuity offers
clients the opportunity to capture growth based on the
performance of the S&P 500, the Russell 2000 or the Nasdaq
100.
ANNUITIES
Includes a death benefit, three variable options and two
innovative index strategies, both of which protect against
negative index performance and limit how much investors can
receive based on index performance.
Allianz Life Public Website Promotional Image
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8. ALLIANZ LIFE: CORE INCOME 7
The firm’s first fixed indexed annuity produced
to appeal to the broker/dealer channel.
Guarantees principal and credited interest
against loss due to market downturns.
ANNUITIES
The lifetime withdrawal percentage
automatically increases as early as age 45 and
continues each year the client waits to begin
lifetime withdrawals. Additionally, contract
owners can choose between one or more
interest crediting allocations, which can be
changed annually.
Clients can earn fixed interest or choose to
base potential indexed interest on changes in
several market indices, including the new
Barclays US Dynamic Balance Index.
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9. ALLIANZ LIFE: SIGNATURE 7
This new fixed indexed annuity focuses on safe accumulation and is the second
broker/dealer produced annuity introduced by Alliaz this quarter.
Designed to complement Allianz’s Core Income 7 fixed indexed annuity, which
focuses more on generating income than accumulation.
Has a seven-year decreasing surrender charge period.
Geared at clients nearing retirement, the product provides upside potential by
including a monthly sum crediting strategy and a spread of 1.7% on the
Barclays index.
Contract owners can allocate their indexed interest credit to three market
indexes: S&P 500 Index, Russell 2000 Index and Barclays U.S. Dynamic Balance
Index.
ANNUITIES
Allianz Life Public Homepage Image
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10. AXA EQUITABLE: INVESTMENT EDGE
Unveiled in late November, the new variable
annuity focuses on long-term investing,
diversification, deferral and distribution.
Key investing features include over 120 options,
such as alternative investments, sector funds and
ETFs, as well as 38 pre-packaged portfolios that
target specific asset classes.
ANNUITIES
Provides distribution of withdrawals based on a
variety of customizable, tax-efficient options where
contract owners access distributions in multiple
ways, including the ability to make payments that
are only partially taxed.
Released along with dedicated individual investor
and advisor-focused microsites.
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11. PACIFIC LIFE: INCOME ADVANTAGE
New deferred fixed annuity that includes a built-in guaranteed
withdrawal benefit with a 6% annual credit for deferring income,
and the choice of several guaranteed interest-rate terms.
ANNUITIES
Contract owners can include a Guaranteed Withdrawal Benefit for
an additional cost, which allows clients to begin taking lifetime
withdrawals for retirement while the contract continues to earn
interest.
Pacific Life Advisor Homepage Image
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12. TRANSAMERICA: VARIABLE ANNUITY O-SHARE
This new product offers a premium-based pricing structure and living
and death benefit options.
Allows clients to transfer assets to family members.
Optional benefit riders include Transamerica's Retirement Income
Choice 1.6, Retirement Income Max and Additional Death Distribution
(ADD).
$10,000 minimum initial premium, with an annual fee of $50.
ANNUITIES
Allows for Dollar Cost Averaging which enables gradual investment over
time by systematically buying more units when prices are low and fewer
units when prices are high.
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14. NATIONWIDE: YOURLIFE GUARANTEED LEVEL TERM
Targets clients ages 35 to 50 who want an easier, affordable and
faster way to protect their families and businesses.
10-, 15-, 20- or 30-year guaranteed level term periods with
enhanced conversion periods to match the 10-, 15- and 20-year
guaranteed level periods and a 20-year conversion period on
the 30-year product.
Offers an Accelerated Death Benefit.
LIFE INSURANCE
Unique customer benefits such as late premium payment alerts,
express claims process and Electronic Funds Transfers (EFT) for
all payment modes.
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15. NATIONWIDE: YOURLIFE CAREMATTERS
New long-term care coverage plan that is linked to a fixed-premium universal
life insurance policy.
Geared towards individuals who seek long-term care benefits with greater
choice, flexibility and control.
Includes a death benefit option and targets individuals between ages 40-70.
Key features include benefits that are paid out indemnity style (the monthly
benefit is paid to the policy owner regardless of monthly expenses) with the
option to pay a qualified family member for care rather than a professional.
CareMatters guarantees that
the cash value of the policy
will never be less than the
premiums paid.
LIFE INSURANCE
YourLife CareMatters Information Video
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16. THE PRINCIPAL: INDEXED UNIVERSAL LIFE FLEX
Offers clients greater cash accumulation potential with less risk through longterm death benefit guarantees and strong cash value accumulation potential.
Policyowners can choose from three index-linked accounts, including two
featuring the S&P 500 Total Return Index.
Choice between a 10-year no-lapse guarantee provision or an optional
extended no-lapse guarantee rider with guaranteed protection to the lesser of
25 years or age 90.
LIFE INSURANCE
The policy includes an automatic trigger of over-loan protection and provides
living benefits through accelerated benefit riders for chronic and terminal
illness.
The Principal Advisor Site Image
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17. CORPORATE INSIGHT THOUGHT LEADERSHIP
Electronic Delivery: Key Trends Across the Insurance Industry
This slide deck highlight some key findings and trends from the Annuity Monitor, Life Insurance
Monitor and P&C Insurance Monitor reports that focused on electronic delivery and offers a few
tips for insurers looking to improve their electronic delivery services.
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments, key takeaways for financial services
firms and thoughts on what’s next for mobile finance.
Facebook Marketing Campaigns - Social Media Initiatives in the Insurance Industry
This slide deck highlights some of the engaging Facebook marketing campaigns initiated by P&C
Insurance Monitor firms this year and offers a few Facebook marketing tips for insurers.
Social Media Trends: Annuity and Life Insurance
This presentation analyzes the current social media initiatives and promotions undertaken by
leading insurers, highlights key social media findings and trends across the insurance industry, and
offer tips for insurers looking to bolster their social presence.
Tablet-Friendly Web Design: Best Practices for Financial Services
The study examines the tablet-friendly website features provided by four leading firms across
financial services and provides recommendations for financial services firms building tabletoptimized websites.
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18. ABOUT CORPORATE INSIGHT
Corporate Insight provides competitive intelligence and user experience research to the nation’s leading
financial institutions. For over 20 years, the firm has tracked technological developments in the financial
services industry, identifying best practices in online banking and investing, online insurance, mobile
finance, active trading platforms, social media and other emerging areas. There are no assumptions in
Corporate Insight’s work – we use live accounts at all of the firms we research, providing our clients with
unparalleled, unbiased intelligence on the competition.
Media Inquiries
Corporate Insight welcomes the opportunity to speak with the media. If you are interested in citing our
research or would like to schedule an interview with one of our analysts, please contact Intermarket
Communications at 212-888-6115 or corporateinsight@intermarket.com.
Connect With Us
JOSE MIGUEL SANTANA
BEN POUSTY
Research Associate
Annuity Monitor & Life Insurance Monitor
Marketing Manager
(646) 751-6971
(646) 454-2662
jsantana@corporateinsight.com
bpousty@corporateinsight.com
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19. ABOUT THE AUTHOR
Jose Miguel Santana
Research Associate
Annuity Monitor and Life Insurance Monitor
Jose Miguel Santana is a Research Associate for Corporate Insight’s Annuity Monitor and Life
Insurance Monitor research services. He has conducted extensive research on the annuities
and life insurance industries, examining the online platforms, customer service capabilities
and technological innovations offered to prospective investors, clients and financial
professionals. This report is the result of Jose Miguel’s ongoing research into the online
platforms of the leading annuity and life insurance providers throughout Q4.
Jose Miguel graduated from James Madison University in 2010.
ABOUT THE AUTHOR
Contact Jose:
T: (646) 751-6971
E: jsantana@corporateinsight.com
Annuity Monitor, Life Insurance Monitor and P&C Monitor are service marks of Corporate Insight, Inc.; all rights reserved.
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