Good data improves decision-making. Find out about people, the economy, prices, outlooks, regulatory and legal change and competitor actions and product. This presentation gives an overview of the data services for insurers available at Chatswood Consulting Limited
The Marketplace - Insurance Exchanges and ProvidersGreenway Health
Exploring coverage options through the Marketplace a/k/a Health Insurance Exchange (HIX) is among a growing lexicon of terms for governmental and insurance stakeholders. Intended to provide the consumer with an intuitive way to shop coverage with built-in protections, HIX open enrollment launches Oct. 1, 2013 and offers assistance with coverage choices and comparisons, calculation of costs, and education on public program options. Some HIXs will be run by state governments while others will be administered wholly or in partnership with the federal government. Explore the four exchange tiers, what constitutes "essential benefits" and "essential community providers," the role consumer assistants such as navigators in facilitating coverage for each American, and what providers and practices should be doing today to prepare. Review the basic functions of the HIX and the available subsidies for individuals and families. Regulations on Medicaid eligibility expansion will also be covered, as well as the impact on adult coverage and the future HIX milestones.
Source: Webinar presented August 28, 2013 by Adele Allison, National Director of Government Affairs for SuccessEHS
The glitzy "Mad Men" era of print advertising and marketing was replaced by the radio. Everyone wanted to listen more than read, and advertising changed forever. Then the radio was snuffed out by the television. Listening was replaced by watching, and advertising changed again. Billions are spent per year on commercials and engaging visually. But with the advent of Netflix, Hulu, and DVR, television commercials are now also going by way of the dinosaur. Today, your customers are turning to one main source of advertising and marketing engagement: mobile engagement.
If your shop is still stuck in the rut of purchasing outdated and ineffective YellowPages ads, local radio and television advertisement, or sports team sponsorships, you need to hear this session. In this session, you will learn industry trends that are not only incredibly insightful, but massively relevant as you seek to remain relevant in a digital age. Whether you are considering how to begin marketing effectively, or you're a savvy marketer with hundreds or thousands of dollars per month being pumped into advertising, the content of this session is sure to change your perspectives and give you ammo to truly engage your customers more powerfully and personally: offline and online. Insight leads to engagement, and engagement leads to results. Mitchell hopes to educate you to ensure those results equate to added revenue and customer traffic for each of your shops.
Are you interested in learning how to sell Health Insurance Products during Health Care Reform? The health insurance industry has changed and Agent Pipeline's Experts can provide you the Basic Knowledge of Health Care Reform with this simplistic approach to selling on the Marketplace.
Overall, index gains indicates small businesses may be emerging despite choppy economic waters. While we are cautiously optimistic for a stronger second half of the year, small business owners face a protracted economic recovery and the impact from the recent federal government shutdown.
Adapting to change: How to future-ready your practicenetwealthInvest
To help you adapt and benefit from future trends, Jason Andriessen, managing director of Coredata, explores what you should be doing to position your business for growth and success.
An intermediate guide to mastering the Health Insurance Marketplace. This simplistic approach provides unique strategies and assistance for enrolling clients through the Health Insurance Marketplace.
The Marketplace - Insurance Exchanges and ProvidersGreenway Health
Exploring coverage options through the Marketplace a/k/a Health Insurance Exchange (HIX) is among a growing lexicon of terms for governmental and insurance stakeholders. Intended to provide the consumer with an intuitive way to shop coverage with built-in protections, HIX open enrollment launches Oct. 1, 2013 and offers assistance with coverage choices and comparisons, calculation of costs, and education on public program options. Some HIXs will be run by state governments while others will be administered wholly or in partnership with the federal government. Explore the four exchange tiers, what constitutes "essential benefits" and "essential community providers," the role consumer assistants such as navigators in facilitating coverage for each American, and what providers and practices should be doing today to prepare. Review the basic functions of the HIX and the available subsidies for individuals and families. Regulations on Medicaid eligibility expansion will also be covered, as well as the impact on adult coverage and the future HIX milestones.
Source: Webinar presented August 28, 2013 by Adele Allison, National Director of Government Affairs for SuccessEHS
The glitzy "Mad Men" era of print advertising and marketing was replaced by the radio. Everyone wanted to listen more than read, and advertising changed forever. Then the radio was snuffed out by the television. Listening was replaced by watching, and advertising changed again. Billions are spent per year on commercials and engaging visually. But with the advent of Netflix, Hulu, and DVR, television commercials are now also going by way of the dinosaur. Today, your customers are turning to one main source of advertising and marketing engagement: mobile engagement.
If your shop is still stuck in the rut of purchasing outdated and ineffective YellowPages ads, local radio and television advertisement, or sports team sponsorships, you need to hear this session. In this session, you will learn industry trends that are not only incredibly insightful, but massively relevant as you seek to remain relevant in a digital age. Whether you are considering how to begin marketing effectively, or you're a savvy marketer with hundreds or thousands of dollars per month being pumped into advertising, the content of this session is sure to change your perspectives and give you ammo to truly engage your customers more powerfully and personally: offline and online. Insight leads to engagement, and engagement leads to results. Mitchell hopes to educate you to ensure those results equate to added revenue and customer traffic for each of your shops.
Are you interested in learning how to sell Health Insurance Products during Health Care Reform? The health insurance industry has changed and Agent Pipeline's Experts can provide you the Basic Knowledge of Health Care Reform with this simplistic approach to selling on the Marketplace.
Overall, index gains indicates small businesses may be emerging despite choppy economic waters. While we are cautiously optimistic for a stronger second half of the year, small business owners face a protracted economic recovery and the impact from the recent federal government shutdown.
Adapting to change: How to future-ready your practicenetwealthInvest
To help you adapt and benefit from future trends, Jason Andriessen, managing director of Coredata, explores what you should be doing to position your business for growth and success.
An intermediate guide to mastering the Health Insurance Marketplace. This simplistic approach provides unique strategies and assistance for enrolling clients through the Health Insurance Marketplace.
For Verdict, these are transformational times; we’ve moved onto a new platform designed specifically to deliver our content to clients in the fastest, most efficient and intuitive way. Now Verdict not only delivers the most authoritative insight...Take a look at our brochure to learn more and contact us to discuss how your business can benefit from our service website.
New research from InvestmentNews, sponsored by Legg Mason, approximates how the DOL fiduciary rule will set money in motion and alter business models across the advice industry.
About Canvassco
We are B2B market research and business development service providers in Thailand. We help companies to understand market potential, assess value propositions and accelerate sales activities
The document is a brief explanation about our company and our consulting services.
For more information please visit out webpage www.canvassco.com or feel free to contact us at contact@canvassco.com
I enjoy helping large enterprises like Intel and Microsoft stretch their leads even farther. I also enjoy helping scrappy small companies turn into thriving larger companies.
I enjoy helping large enterprises like Intel and Microsoft stretch their leads even farther. I also enjoy helping scrappy small companies turn into thriving larger companies.
After a tumultuous period for global retail banking, consumers are demanding more than ever before from their banks, and have never been more willing to switch to rivals if the service they receive fails to meet their expectations. Our comprehensive data and in-depth insight into consumer needs, attitudes and behaviors will help you target your investment budgets more profitably, prepare you for the future, and provide inspiration for innovative product development.
In this webinar, Chief Marketing & Experience Officer, Susan Theder and President of Peabody Wealth Advisors, Michael Murray shared their top five marketing themes for the new year with tips for implementing them.
Health Services Tax Conference May 18-19, 2015, Presentations included: Mega Trends and the Impact on Healthcare, The Healthcare Industry: A View from Washington and The New Health Economy.
New Frontier Data's mission is to elevate the discussion around the legal cannabis industry globally by providing unbiased vetted information and educating stakeholders to make informed decisions.
Obii | Medical Transcription and Coding Powered By Artificial IntelligenceBrian Bagdasarian
The American Medical Association estimates that if all health insurers were able to eliminate all claim payment errors, the health care system would save $17 billion per year.
Obii is a mobile, cloud-based and “provider-first” Computer Assisted Coding platform for the medical industry.
Obii increases the accuracy and consistency of the medical transcription and coding process by applying artificial intelligence and a streamlined interview-style user experience on demand.
Obii is designed to integrate easily with existing EHR software and legacy billing processes, resulting in increased revenue and efficiency.
We generate revenue by charging the medical provider a monthly subscription fee, and through deployment consulting fees.
Have you wondered what your business or your client base are worth? This presentation is focused on:
• Exploring the factors that make a valuation necessary
• The ways an adviser may use a credible valuation
• The relevance of valuations in relation to current issues
Implementation of FSLAA will probably cause some advisers to leave the sector. How many? We provide two snippets of our work on modelling losses. We have more...
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For Verdict, these are transformational times; we’ve moved onto a new platform designed specifically to deliver our content to clients in the fastest, most efficient and intuitive way. Now Verdict not only delivers the most authoritative insight...Take a look at our brochure to learn more and contact us to discuss how your business can benefit from our service website.
New research from InvestmentNews, sponsored by Legg Mason, approximates how the DOL fiduciary rule will set money in motion and alter business models across the advice industry.
About Canvassco
We are B2B market research and business development service providers in Thailand. We help companies to understand market potential, assess value propositions and accelerate sales activities
The document is a brief explanation about our company and our consulting services.
For more information please visit out webpage www.canvassco.com or feel free to contact us at contact@canvassco.com
I enjoy helping large enterprises like Intel and Microsoft stretch their leads even farther. I also enjoy helping scrappy small companies turn into thriving larger companies.
I enjoy helping large enterprises like Intel and Microsoft stretch their leads even farther. I also enjoy helping scrappy small companies turn into thriving larger companies.
After a tumultuous period for global retail banking, consumers are demanding more than ever before from their banks, and have never been more willing to switch to rivals if the service they receive fails to meet their expectations. Our comprehensive data and in-depth insight into consumer needs, attitudes and behaviors will help you target your investment budgets more profitably, prepare you for the future, and provide inspiration for innovative product development.
In this webinar, Chief Marketing & Experience Officer, Susan Theder and President of Peabody Wealth Advisors, Michael Murray shared their top five marketing themes for the new year with tips for implementing them.
Health Services Tax Conference May 18-19, 2015, Presentations included: Mega Trends and the Impact on Healthcare, The Healthcare Industry: A View from Washington and The New Health Economy.
New Frontier Data's mission is to elevate the discussion around the legal cannabis industry globally by providing unbiased vetted information and educating stakeholders to make informed decisions.
Obii | Medical Transcription and Coding Powered By Artificial IntelligenceBrian Bagdasarian
The American Medical Association estimates that if all health insurers were able to eliminate all claim payment errors, the health care system would save $17 billion per year.
Obii is a mobile, cloud-based and “provider-first” Computer Assisted Coding platform for the medical industry.
Obii increases the accuracy and consistency of the medical transcription and coding process by applying artificial intelligence and a streamlined interview-style user experience on demand.
Obii is designed to integrate easily with existing EHR software and legacy billing processes, resulting in increased revenue and efficiency.
We generate revenue by charging the medical provider a monthly subscription fee, and through deployment consulting fees.
Have you wondered what your business or your client base are worth? This presentation is focused on:
• Exploring the factors that make a valuation necessary
• The ways an adviser may use a credible valuation
• The relevance of valuations in relation to current issues
Implementation of FSLAA will probably cause some advisers to leave the sector. How many? We provide two snippets of our work on modelling losses. We have more...
Quotemonster advertising opportunities to the New Zealand Insurance Financial Adviser. Key stats on numbers, usage, traffic, page views, and examples of each advertising opportunity
Copy of the slides used in the second of two Quotemonster workshops in May and June 2019. Date of upload is 26 July 2019. Material current in June. Note research is dynamic, and has been revised even during the period of the workshops - you must be a financial adviser and access the live site to use the research. If you are a consumer, please be aware that this is training material and has already been superseded on the live site. Please refer to a financial adviser for advice.
Copy of the slides used in the first of two Quotemonster workshops in May and June 2019. Date of upload is 19 July 2019. Material current in June. Note research is dynamic, and has been revised even during the period of the workshops - you must be a financial adviser and access the live site to use the research. If you are a consumer, please be aware that this is training material and has already been superseded on the live site. Please refer to a financial adviser for advice.
Robo advice: a quick review of the legal, process, development, and conceptual ideas for robo / online services for insurance-focused financial advisers in New Zealand.
For New Zealand financial advisers. A high level review of the use of different remuneration models, including variations in upfront and renewal, fee, pro-bono work in the provision of advice on risk and insurance purchase.
We review at a high level how different websites compare insurance in New Zealand. From simple price comparison through customer-satisfaction measures, to multiple ways of comparing packaged in a model to allow you to choose what factors are more important. At each stage we pick out an issue or weakness in comparison.
Financial adviser businesses are often profitable and stable but commonly small in scale. Their owners want them to grow but they might be stuck - we look at why and explore how to break out of the high income but small business trap.
For insurance advisers who are not selling Total and Permanent Disablement cover in New Zealand we have a package of case studies, useful facts, stats, and predictions for the future to help you out.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
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Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Chatswood Data Services for Insurance Industry Participants
1. November 2016
Alan Rafe and Russell Hutchinson
www.chatswood.co.nz
Chatswood Data Services
2016 Review
Products and Planned Developments
2. GOOD INTELLIGENCE HELPS YOU
MAKE GOOD CHOICES
2 www.chatswood.co.nz
Strategy does not take place in a vacuum. Whether you are an adviser
contemplating a business purchase, or sales or marketing executive at an
insurance company you know that strategy does not exist in a vacuum. The
environment, and what changes we can expect in: the economy, legal and
regulatory changes, competitors, and society as a whole. Do you know enough
about the current environment?
Well, here is a suggested self-test. Just ten quick questions. This is not meant
to be an exhaustive list, just a quick check-up.
It is all in this presentation on our Slide Share page. It gives questions, and
then answers and links to the data on the next page of the presentation.
3. ECONOMY – KEY QUESTIONS
3 www.chatswood.co.nz
1. What is New Zealand’s GDP?
2. How fast is it growing?
4. ECONOMY – KEY QUESTIONS
4 www.chatswood.co.nz
Q: What is New Zealand’s GDP?
A: About $240 billion
Q: How fast is it growing?
A: Growing at around 3% p.a. in October 2016
More information:
http://m.stats.govt.nz/browse_for_stats/economic_indicators/GDP/GrossDomesticProduct_HOTPJun15qtr
?gclid=CjwKEAjw1qHABRDU9qaXs4rtiS0SJADNzJisqXAfx07gAUagcqQQRaoiGUvd0FF_lnIrZ9YndXdlkx
oCLH7w_wcB
5. 5 www.chatswood.co.nz
MARKET – KEY QUESTIONS
1. What is the population of New Zealand?
2. What proportion are working age?
3. What is the median income?
4. What proportion of Auckland’s population was born outside New Zealand?
6. 5 www.chatswood.co.nz
MARKET – KEY QUESTIONS
Q: What is the population of New Zealand?
A: About 4.7 million - http://statistics.govt.nz/tools_and_services/population_clock.aspx
Q: What proportion are working age?
A: Just over 3 million -
http://www.stats.govt.nz/browse_for_stats/population/estimates_and_projections/NationalPopulationEstim
ates_HOTPAt30Jun16/Commentary.aspx
Q: What is the median income?
A: About $95,000 p.a. –per household
http://www.stats.govt.nz/browse_for_stats/people_and_communities/Households/HouseholdEconomicSur
vey_HOTPYeJun15.aspx
Q: What proportion of Auckland’s population was born outside New Zealand?
A: About 40% of Aucklanders were born overseas compared with about 18%
of people outside of Auckland - http://www.stats.govt.nz/Census/2013-census/profile-and-
summary-reports/qstats-culture-identity-auck-mr.aspx
7. INDUSTRY SIZE
6 www.chatswood.co.nz
1. What is the in-force premium of the life insurance sector (FSC member
data) in June 2016 (roughly this means, the in-force premium for the
industry – excluding health, but including groups)?
2. How much business is written in a typical quarter?
3. How much premium was in-force 10 years earlier, in June 2006?
8. INDUSTRY SIZE
6 www.chatswood.co.nz
Q: What is the in-force premium of the life insurance sector (FSC member
data) in June 2016 (roughly this means, the in-force premium for the
industry – excluding health, but including groups)?
A: About $2.3 billion in-force in June 2016
http://fsc.org.nz/site/fsc/FSC%20Trad%20Risk%20Summary%202016-06.pdf
Q: How much business is written in a typical quarter?
A: About $62 million new business in the quarter -
http://fsc.org.nz/site/fsc/FSC%20Trad%20Risk%20Summary%202016-06.pdf
Q: How much premium was in-force 10 years earlier, in June 2006?
A: About $1.2 billion in June 2006 -
http://fsc.org.nz/site/fsc/files/Statistics/2006//TraditionalRiskBus30.6.2006(Sum1).pdf
10. 7 www.chatswood.co.nz
DISTRIBUTION
1. What proportion of the personal (life, IP, trauma, and TPD) insurance
market is sold by advisers?
2. How much is direct?
About 50% of all business (excluding group) is sold by advisers.
About 11% is direct
Based on FSC data channel share analysis, analysts reports, and news
publications – estimate by Chatswood Consulting Limited June 2016.
11. LAW AND REGULATION
8 www.chatswood.co.nz
1. Who is the prudential regulator for New Zealand life insurers?
2. How many QFEs are there?
3. What is the Authorised Financial Adviser Code Standard Eight?
The Reserve Bank of New Zealand is the Prudential Regulator for Insurers. If
you thought the Financial Markets Authority that’s because they are the
conduct regulator for licensed financial entities – which includes insurers. -
http://www.rbnz.govt.nz/regulation-and-supervision/insurers
There are 57 QFEs at the time of writing - http://fma.govt.nz/compliance/lists-and-
registers/qualifying-financial-entities-qfe/
The AFA Code of Conduct states that Code Standard Eight is - Code Standard
8 When providing a financial adviser service to a retail client, an Authorised
Financial Adviser must agree with the client the nature and scope of the
service to be provided - http://www.financialadvisercode.govt.nz/assets/Code-of-Professional-Conduct-
for-AFAs/Code-of-Professional-Conduct-May-2016.pdf
12. MORE INDUSTRY DATA
9 www.chatswood.co.nz
Chatswood Consulting Likes to collect data on a wide range of subjects for the
insurance industry. We regularly publish updated market information covering:
• Premiums – life, trauma, TPD, IP, and mortgage insurance
• Premiums – health / medical insurance
• Premiums – Bank and direct insurance premiums
• Advisers – advisers, membership of groups
• Buying behaviour – Analysis of quoting activity by advisers using Quotemonster
• Commissions – insurance commission offers
• Industry News – a quarterly review of all the main news in the life and health
insurance industry.
• Legal and regulatory review – a tracking review of all changes in law and
regulation related to a the broader financial services industry
We believe that data helps to make better decisions. The more data, the less
guesswork.
13. MARKET DATA AGENDA
10 www.chatswood.co.nz
• Our intention: to always seek to bring good quality data to life and
personal lines marketing management decisions
• Background: Chatswood Consulting Limited, Quality Product Research
Limited, Confidentiality
• Overview of Market Information Services:
Chatswood: Life Pricing, Medical Pricing, Commission Comparison,
Quarterly Life Report, QM Data, Bancassurance, Group Medical, Direct
Pricing API, People Like Us Data
Quality Product Research Limited: Product Rating Database, QPR API
Access for premiums and research.
• Discussion of your information needs and desired roadmap for information
use and new developments. Walk through and questions as we go.
14. INSURANCE: LIFE & PERSONAL MARKET
11 www.chatswood.co.nz
Existing
Competitors
New
Entrants
Buyers
Substitutes
Suppliers
Distributors
Dealer Groups
Professional Associations
Product Prices
Commission Rates
Agency Terms
Insurers Activities
Product Changes
Regulatory and Legal
Changes
Technology Changes
15. MARKET INFORMATION SERVICES
12 www.chatswood.co.nz
Product Content Clients Freq. Number
Price /QTR+GST
(at Nov 2016)
Life Pricing
Database
220,000+ observations, charts and tools – Life, TPD, Trauma, and
IP
Life Insurers Constant 9 $5,000
Medical Pricing
Database
60,000+ observations, charts, and tools – medical insurance Medical Insurers Constant 5 $3,000
Commission
Comparison
Full dynamic comparison of remuneration systems including
business modelling & groups
Life Insurers Constant 7 $3,000
Quarterly Life
Report
Quarterly news, information, and commentary Life insurers Quarterly 8 $3,000
QM Data Product and advice process insights based on more than 100,000
quotes per month done on Quotemonster
Life insurers Quarterly 4 $3,000
Bancassurance
Rates
Adds premium rates for Life and Trauma for ANZ, ASB, BNZ,
Westpac, and KiwiBank
Life Insurers Demand-
based
4 $3,000
(per update)
Group Health
Comparison
Compares major group health products and highlights key points of
difference and total score differences
Health Insurers Demand-
based
New $6,000
(per update)
Above services are provided by Chatswood Consulting Limited. Those below are provided by Quality Product Research Limited
Product Rating
Database
25,000+ data points comparing all personal lines (inc. medical) All Insurers Constant 12 $2,000
QPR API Access Allows access to premium calculation engine and rating for advised
insurance services only (like site users)
Advice
businesses
Demand-
based
2 Depends on data
selected
16. OTHER DATA AVAILABLE
13 www.chatswood.co.nz
• Client lapse and repurchase model
• Adviser sales and revenue
• Regulatory changes tracking
• Sales reference standards – all legal and regulatory requirements for personal
insurance sales
• Channel market share
• Pace of change data
• Average basket of insurance sold
• Numbers of members of groups and dealer groups
• Market share of quoting
• Pricing index
• Market structure
• Competitor profile
• Advice use cases
17. WHY RESEARCH?
14 www.chatswood.co.nz
We believe:
1. Good decisions are built on good data
2. Understanding your environment is critical to thriving in it
3. We can learn from the mistakes of others
4. An external view helps to shake up complacency and dislodge assumptions
5. Modelling tools can help you create alternatives and test hypotheses
25. CHATSWOOD CONSULTING
Chatswood Consulting Limited specialises in providing marketing,
distribution, and product development services to financial sector
companies: insurers, fund managers, banks, financial advice firms,
and industry associations. Chatswood works with companies to
develop and manage new marketing opportunities channels for
financial services business.
Russell Hutchinson
Alan Rafe
Rob Dowler
Kelly Pulham
Frances Hutchinson Nicola Reynolds
22 www.chatswood.co.nz
Our team includes:
Strategy, sales and
marketing consulting,
research
Distribution strategy,
product research
Industry and compliance
consulting
Business development
manager
Database and
report writing
Researcher
Albert Liu
IT manager
26. 12 www.chatswood.co.nz
We are the only management consultancy specialising is in the marketing
and sales challenges of distributing insurance products in New Zealand.
How Chatswood Can Help You.
Half our work is made up of syndicated research services covering
agency terms, commission rewards, life insurance and medical insurance
product pricing. We also conduct a quarterly industry survey.
Chatswood Research Services.
The balance of our work is bespoke management consulting around
specific sales and marketing objectives. Recent projects include:
Recent Achievements and Projects.
Our terms of engagement are flexible and competitive. We cover the
requirement for confidentiality and how we charge, work, and report to
you. Review Engagement Information.
For details about the
Chatswood Team, our
clients, and published
commentary see
following slides
CHATSWOOD CONSULTING
27. 24 www.chatswood.co.nz
CHATSWOOD CONSULTING
Accuro Health Insurance Nib NZ Limited
AIA New Zealand OnePath Life (NZ) Limited
AMP Services (NZ) Limited Partners Life Limited
Asteron Life Limited Pinnacle Life Limited
Bank of new Zealand Quality product Research Limited
Cigna Life Insurance NZ Limited Reserve Bank of New Zealand
Crowe Horwath Rothbury Insurance Brokers
Fidelity Life Assurance Sovereign
Financial Markets Authority Tarawera Publishing Limited
Kiwi Insurance Limited - KiwiBank The Co-Operative Bank Limited
Contact us for details
of who to contact at
each client to ask for a
reference on the
quality of our work
Like many brokers, we do business with
everyone, and have no dominating
relationship