Insurance provides financial protection against losses in exchange for regular payments. An insurance policy is a contract outlining what risks are covered, payment amounts, and costs to the policyholder. Premiums are paid periodically for coverage. Deductibles are amounts the policyholder must pay out-of-pocket before insurance covers remaining costs. Common types of insurance include auto, home, life, health, and disability coverage.
Insurance provides financial protection against losses in exchange for regular payments. An insurance policy is a contract outlining what risks are covered, how much will be paid for claims, and any amount the policyholder must pay. Premiums are paid periodically for coverage. Deductibles are amounts the policyholder must pay out-of-pocket before insurance covers remaining costs. Common types of insurance include auto, home, life, health, and disability coverage.
This document describes the Dynamax whole life insurance policy from Transamerica Premier Life Insurance Company. It offers permanent life insurance protection, cash value accumulation, and guarantees. Some key features include a guaranteed level death benefit and premium, tax-free death benefits, and tax-deferred cash value growth. It also lists various rider options like waiver of premium, children's term, and accidental death benefits. The document promotes relying on Transamerica for over a century of financial strength and customer dependability.
E & K, A Power Point Brochure, 2009, Linked Inkauerbach
E & K Agency is a full-service insurance agency located in New Jersey that serves both commercial and personal clients. It has over 5,000 total clients, including 3,500 personal insurance clients. The agency utilizes technology extensively and aims to provide a paperless experience with multi-access points to all client information. It has a highly trained and credentialed staff.
The document provides information on the various member companies of The Wright Insurance Group, which has been in operation for over 30 years. It includes summaries of Wright Specialty Insurance, Wright Flood, Wright Risk Consulting, Wright Program Management, Wright Risk Management, and their specialized insurance services for sectors like education, flood insurance, risk consulting, food industry insurance programs, and New York reciprocal insurance programs.
James A. Connors Associates is an independent insurance brokerage firm that specializes in providing customized insurance and risk management programs for professional athletes. The firm was established in 1925 and takes a consultative approach to understand clients' unique needs and exposures in order to design cost-effective insurance solutions. The firm prides itself on offering superior client service and representing the interests of clients over insurance companies.
Over 180,000 people have purchased $22 billion of Quality of Life...Insurance protection in just over four years, providing an innovative type of coverage that pays benefits even if a policyholder is diagnosed with a critical illness like cancer or has a heart attack. The coverage allows a young mother diagnosed with breast cancer to afford medical care and take care of her family in a way she previously thought impossible. Interested individuals can learn more or purchase coverage by visiting the website or calling the toll-free number listed.
Insurance provides financial protection against losses in exchange for regular payments. An insurance policy is a contract outlining what risks are covered, payment amounts, and costs to the policyholder. Premiums are paid periodically for coverage. Deductibles are amounts the policyholder must pay out-of-pocket before insurance covers remaining costs. Common types of insurance include auto, home, life, health, and disability coverage.
Insurance provides financial protection against losses in exchange for regular payments. An insurance policy is a contract outlining what risks are covered, how much will be paid for claims, and any amount the policyholder must pay. Premiums are paid periodically for coverage. Deductibles are amounts the policyholder must pay out-of-pocket before insurance covers remaining costs. Common types of insurance include auto, home, life, health, and disability coverage.
This document describes the Dynamax whole life insurance policy from Transamerica Premier Life Insurance Company. It offers permanent life insurance protection, cash value accumulation, and guarantees. Some key features include a guaranteed level death benefit and premium, tax-free death benefits, and tax-deferred cash value growth. It also lists various rider options like waiver of premium, children's term, and accidental death benefits. The document promotes relying on Transamerica for over a century of financial strength and customer dependability.
E & K, A Power Point Brochure, 2009, Linked Inkauerbach
E & K Agency is a full-service insurance agency located in New Jersey that serves both commercial and personal clients. It has over 5,000 total clients, including 3,500 personal insurance clients. The agency utilizes technology extensively and aims to provide a paperless experience with multi-access points to all client information. It has a highly trained and credentialed staff.
The document provides information on the various member companies of The Wright Insurance Group, which has been in operation for over 30 years. It includes summaries of Wright Specialty Insurance, Wright Flood, Wright Risk Consulting, Wright Program Management, Wright Risk Management, and their specialized insurance services for sectors like education, flood insurance, risk consulting, food industry insurance programs, and New York reciprocal insurance programs.
James A. Connors Associates is an independent insurance brokerage firm that specializes in providing customized insurance and risk management programs for professional athletes. The firm was established in 1925 and takes a consultative approach to understand clients' unique needs and exposures in order to design cost-effective insurance solutions. The firm prides itself on offering superior client service and representing the interests of clients over insurance companies.
Over 180,000 people have purchased $22 billion of Quality of Life...Insurance protection in just over four years, providing an innovative type of coverage that pays benefits even if a policyholder is diagnosed with a critical illness like cancer or has a heart attack. The coverage allows a young mother diagnosed with breast cancer to afford medical care and take care of her family in a way she previously thought impossible. Interested individuals can learn more or purchase coverage by visiting the website or calling the toll-free number listed.
This document discusses various types of insurance and risk management strategies. It covers topics such as life insurance, term insurance, whole life insurance, universal life insurance, disability income protection, critical illness insurance, and long term care insurance. For each type of insurance, the document provides details on coverage options, premium costs, benefits, and common uses. It emphasizes the importance of insurance for individuals, families, and business owners to manage risks related to mortality, health issues, loss of income, and more.
Professional Liability Insurance Demystifiedntoscano50
Topics will include:
• Do you know the difference between Occurrence vs. Claims Made policies?
• Sexual Molestation/Abuse Coverage...Are you protected?
• HIPAA notices and Board Complaints...How to navigate
This insurance package was mailed to consumers to coincide with their birthday and positioned the life insurance product as a meaningful way their birthday "wish" can come true and that is, to protect their family's financial security.
IF YOU CAN'T COVER THE BILLS...WHO WILL?Peter Corning
Synergy from Manulife is a 3-in-1 affordable insurance solution that provides life, disability, and critical illness coverage to protect a family if something happens to the policy holder. The insurance agent, Peter Corning, invites contact to discuss Synergy's unique benefits and how it can help cover bills should the unexpected occur. Synergy is a registered trademark of Manulife Financial that combines multiple types of coverage.
The document summarizes a conference on corporate professional liability insurance presented by Robert Sperber from The Van Wagner Group and Kent Barnes from Great American Insurance Group. It discusses Van Wagner Group becoming the official broker for the California Consortium of Addiction Programs and Professionals (CCAPP) and offering industry-leading insurance coverage, expertise, and service. Great American Insurance Group focuses on human and social services organizations and offers extensive coverage options as well as expert claims handling.
Insurance facilities what you craving to knowAllison Nicole
Insurance began thousands of years ago when traders paid financiers to compensate them if goods were lost during long distance transport. Over centuries, insurance has grown tremendously and now covers almost anything from ships to pets. Insurance provides financial protection by paying funds to help recover from losses, but cannot prevent losses or fully restore one to their original state - it only provides tools for self-recovery. The type and amount of coverage under a policy determines how much compensation is available, so insurance must be planned cost-effectively unless one has an unlimited budget. Life insurance is a good example, as premium costs depend heavily on age, duration, and type of policy (term or whole) purchased.
More than 73 million Americans acknowledge having an unmet need for life insurance protection. However, many have not purchased life insurance because they think it is too expensive or they would prefer to work with a financial professional. Life insurance can help support a family's expenses in different life stages from when children are young to retirement. Financial needs analysis can help determine the appropriate type and amount of life insurance coverage needed for one's individual situation and goals.
Recent Rulings and Trends in Decision Making Impacting AllocationRachel Hamilton
ACI is pleased to introduce its Insurance Allocation Summit - the only Allocation Conference that goes the extra mile and brings you the highest level judicial insights and maximum networking opportunities with in-house industry experts.
There are clear advantages to purchasing long term care insurance at a younger age when you are more likely to be healthy and qualify for coverage. Premiums are also generally lower when purchased earlier. Long term care insurance helps ensure you have control over the type of care you receive and where you receive it, which can impact your future quality of life. The choices you make today about long term care planning will affect your lifestyle in the future.
This document summarizes a seminar presented by Robert Sperber from The Van Wagner Group and Kent Barnes from Great American Insurance Group on individual professional liability insurance. The seminar covered reasons for addiction counselors and other healthcare providers to purchase their own professional liability insurance separate from employer coverage. It also provided an overview of the professional liability insurance program offered through the partnership of Van Wagner Group and Great American Insurance Group, including the types of coverage provided, policy details, and eligibility. The presentation concluded by taking questions from attendees.
The document provides an overview of the MyPackSM voluntary benefit package. It includes:
1) Group term life insurance starting at $6 per week for $50,000, $30,000, or $15,000 of coverage depending on age, along with a living benefits rider paying up to 25% of the death benefit if diagnosed with certain critical illnesses.
2) An optional buy-up for additional group term life insurance and accidental death and dismemberment coverage.
3) An optional disability income rider paying $400, $600, or $800 per month for up to 6 months if disabled from an accident or sickness.
The package is underwritten by Transamerica Life
Standard home, renter, and condo insurance policies do not cover flood damage. Flood damage is covered by separate National Flood Insurance policies. The document provides answers to frequently asked questions about flood insurance coverage, such as whether policies cover basement flooding, sewer backups, and lost income due to business interruption from flooding. It also provides contact information for filing a flood insurance claim or getting additional flood insurance questions answered.
NFP P&C Private Client Group is a personal lines insurance agency headquartered in New York City that specializes in insuring high net worth individuals. The agency has offices across the country and appointments with leading insurers. It promotes group umbrella liability insurance which offers higher liability limits than standard personal policies at lower rates by spreading risk across a group of policyholders. Group umbrella coverage protects ultra-high net worth individuals and families from expensive lawsuits by providing worldwide liability coverage above primary home and auto policies.
Liberty Mutual provides auto, home, life, and other insurance. The document includes samples of marketing materials created by the author for Liberty Mutual, including a corporate overview brochure and product portfolio. It highlights Liberty Mutual's focus on integrity, financial strength, and commitment to excellence. The samples showcase Liberty Mutual's range of insurance products and benefits like discounts, claims services, and roadside assistance.
American Classic Agency (ACA) is an insurance agency that specializes in mortgage protection plans. Their plans offer life insurance that can be used to pay off a mortgage in the event of the homeowner's death from any cause. The plans are customizable and portable, allow for a choice of beneficiary, and provide additional benefits like disability and critical illness coverage. ACA works with leading insurance companies and has thousands of agents across the U.S. to provide mortgage protection and other insurance products to families and businesses.
The document outlines six simple steps to protect your identity: 1) Check your credit report annually from Equifax and TransUnion, 2) Read bills and statements to detect fraud early, 3) Shred documents containing sensitive information to prevent dumpster diving, 4) Change passwords every six months using a variety of characters, 5) Clean out your wallet by removing unused cards and personal documents, 6) Create an emergency ID kit with account numbers and contact information stored safely.
CB Insurance provides professional insurance and risk management solutions. It is part of Central Bancorp, a $1 billion financial services company. CB Insurance has a client-focused culture and experienced team that aims to become trusted advisors by assisting clients in identifying and managing risks at the lowest cost. The process involves evaluating clients' needs, communicating options, and facilitating implementation of recommended solutions.
Primerica Life Insurance Company Datasheetjkilinski
Primerica Life Insurance Company has received an A+ (Superior) financial strength rating from A.M. Best, indicating its strong ability to meet obligations to policyholders. It holds $2 billion in conservative investments and has $653 billion of life insurance in force, protecting over 4 million lives. Primerica has paid out over $6 billion in death claims over the past decade, including $942 million in 2009 alone.
This document discusses various types of insurance and risk management strategies. It covers topics such as life insurance, term insurance, whole life insurance, universal life insurance, disability income protection, critical illness insurance, and long term care insurance. For each type of insurance, the document provides details on coverage options, premium costs, benefits, and common uses. It emphasizes the importance of insurance for individuals, families, and business owners to manage risks related to mortality, health issues, loss of income, and more.
Professional Liability Insurance Demystifiedntoscano50
Topics will include:
• Do you know the difference between Occurrence vs. Claims Made policies?
• Sexual Molestation/Abuse Coverage...Are you protected?
• HIPAA notices and Board Complaints...How to navigate
This insurance package was mailed to consumers to coincide with their birthday and positioned the life insurance product as a meaningful way their birthday "wish" can come true and that is, to protect their family's financial security.
IF YOU CAN'T COVER THE BILLS...WHO WILL?Peter Corning
Synergy from Manulife is a 3-in-1 affordable insurance solution that provides life, disability, and critical illness coverage to protect a family if something happens to the policy holder. The insurance agent, Peter Corning, invites contact to discuss Synergy's unique benefits and how it can help cover bills should the unexpected occur. Synergy is a registered trademark of Manulife Financial that combines multiple types of coverage.
The document summarizes a conference on corporate professional liability insurance presented by Robert Sperber from The Van Wagner Group and Kent Barnes from Great American Insurance Group. It discusses Van Wagner Group becoming the official broker for the California Consortium of Addiction Programs and Professionals (CCAPP) and offering industry-leading insurance coverage, expertise, and service. Great American Insurance Group focuses on human and social services organizations and offers extensive coverage options as well as expert claims handling.
Insurance facilities what you craving to knowAllison Nicole
Insurance began thousands of years ago when traders paid financiers to compensate them if goods were lost during long distance transport. Over centuries, insurance has grown tremendously and now covers almost anything from ships to pets. Insurance provides financial protection by paying funds to help recover from losses, but cannot prevent losses or fully restore one to their original state - it only provides tools for self-recovery. The type and amount of coverage under a policy determines how much compensation is available, so insurance must be planned cost-effectively unless one has an unlimited budget. Life insurance is a good example, as premium costs depend heavily on age, duration, and type of policy (term or whole) purchased.
More than 73 million Americans acknowledge having an unmet need for life insurance protection. However, many have not purchased life insurance because they think it is too expensive or they would prefer to work with a financial professional. Life insurance can help support a family's expenses in different life stages from when children are young to retirement. Financial needs analysis can help determine the appropriate type and amount of life insurance coverage needed for one's individual situation and goals.
Recent Rulings and Trends in Decision Making Impacting AllocationRachel Hamilton
ACI is pleased to introduce its Insurance Allocation Summit - the only Allocation Conference that goes the extra mile and brings you the highest level judicial insights and maximum networking opportunities with in-house industry experts.
There are clear advantages to purchasing long term care insurance at a younger age when you are more likely to be healthy and qualify for coverage. Premiums are also generally lower when purchased earlier. Long term care insurance helps ensure you have control over the type of care you receive and where you receive it, which can impact your future quality of life. The choices you make today about long term care planning will affect your lifestyle in the future.
This document summarizes a seminar presented by Robert Sperber from The Van Wagner Group and Kent Barnes from Great American Insurance Group on individual professional liability insurance. The seminar covered reasons for addiction counselors and other healthcare providers to purchase their own professional liability insurance separate from employer coverage. It also provided an overview of the professional liability insurance program offered through the partnership of Van Wagner Group and Great American Insurance Group, including the types of coverage provided, policy details, and eligibility. The presentation concluded by taking questions from attendees.
The document provides an overview of the MyPackSM voluntary benefit package. It includes:
1) Group term life insurance starting at $6 per week for $50,000, $30,000, or $15,000 of coverage depending on age, along with a living benefits rider paying up to 25% of the death benefit if diagnosed with certain critical illnesses.
2) An optional buy-up for additional group term life insurance and accidental death and dismemberment coverage.
3) An optional disability income rider paying $400, $600, or $800 per month for up to 6 months if disabled from an accident or sickness.
The package is underwritten by Transamerica Life
Standard home, renter, and condo insurance policies do not cover flood damage. Flood damage is covered by separate National Flood Insurance policies. The document provides answers to frequently asked questions about flood insurance coverage, such as whether policies cover basement flooding, sewer backups, and lost income due to business interruption from flooding. It also provides contact information for filing a flood insurance claim or getting additional flood insurance questions answered.
NFP P&C Private Client Group is a personal lines insurance agency headquartered in New York City that specializes in insuring high net worth individuals. The agency has offices across the country and appointments with leading insurers. It promotes group umbrella liability insurance which offers higher liability limits than standard personal policies at lower rates by spreading risk across a group of policyholders. Group umbrella coverage protects ultra-high net worth individuals and families from expensive lawsuits by providing worldwide liability coverage above primary home and auto policies.
Liberty Mutual provides auto, home, life, and other insurance. The document includes samples of marketing materials created by the author for Liberty Mutual, including a corporate overview brochure and product portfolio. It highlights Liberty Mutual's focus on integrity, financial strength, and commitment to excellence. The samples showcase Liberty Mutual's range of insurance products and benefits like discounts, claims services, and roadside assistance.
American Classic Agency (ACA) is an insurance agency that specializes in mortgage protection plans. Their plans offer life insurance that can be used to pay off a mortgage in the event of the homeowner's death from any cause. The plans are customizable and portable, allow for a choice of beneficiary, and provide additional benefits like disability and critical illness coverage. ACA works with leading insurance companies and has thousands of agents across the U.S. to provide mortgage protection and other insurance products to families and businesses.
The document outlines six simple steps to protect your identity: 1) Check your credit report annually from Equifax and TransUnion, 2) Read bills and statements to detect fraud early, 3) Shred documents containing sensitive information to prevent dumpster diving, 4) Change passwords every six months using a variety of characters, 5) Clean out your wallet by removing unused cards and personal documents, 6) Create an emergency ID kit with account numbers and contact information stored safely.
CB Insurance provides professional insurance and risk management solutions. It is part of Central Bancorp, a $1 billion financial services company. CB Insurance has a client-focused culture and experienced team that aims to become trusted advisors by assisting clients in identifying and managing risks at the lowest cost. The process involves evaluating clients' needs, communicating options, and facilitating implementation of recommended solutions.
Primerica Life Insurance Company Datasheetjkilinski
Primerica Life Insurance Company has received an A+ (Superior) financial strength rating from A.M. Best, indicating its strong ability to meet obligations to policyholders. It holds $2 billion in conservative investments and has $653 billion of life insurance in force, protecting over 4 million lives. Primerica has paid out over $6 billion in death claims over the past decade, including $942 million in 2009 alone.
030716 OBJECTION TO 022516 FINAL DECREE (Townsend Matter)VogelDenise
17 USC § 107 (LIMITATIONS On EXCLUSIVE Rights - FAIR USE)
This is the Court pleading filed on 03/07/16, in the United States Bankruptcy Court – Southern District of Mississippi (Jackson). This document has been filed and Court pleading DRAFTED to EXPOSE and SHARE information with the Public/World of HOW the DESPOTISM Zionist/White Supremacist Government Regime of the United States of America has gone about INFILTRATING the BRANCHES of Government (FEDERAL & STATE – Executive, Legislative and Judicial) for purposes of PROMOTING their RACIST/TERRORIST Attacks on Blacks/African-Americans/People-of-Color.
051816 EMAIL TO MEDIA - CITY OF JACKSON Mississippi Public Records RequestVogelDenise
17 USC § 107 (LIMITATIONS On EXCLUSIVE Rights - FAIR USE)
REPORTING THE NEWS - Information that Law Firms as Baker Donelson Bearman Caldwell & Berkowitz would like to keep out PUBLIC/WORLD viewing.
NOT Only are we "PULLING OFF THE HOOD/SHEETS," we are looking forward to "PULLING THE CONTRACTS" as well as letting the PUBLIC/WORLD know that the DESPOTISM Government Regime of the United States of America has COLLAPSED and we are merely "PUTTING THE NAIL" in the Coffin!
ONE CITY - ONE AIM - ONE DESTINY!
This document discusses 5 types of customer behaviors that can be automated through marketing: 1) joining/subscribing, 2) browsing and abandoning carts, 3) abandoning shopping baskets, 4) making a purchase, and 5) going inactive. For each behavior, it provides examples of automated marketing campaigns including welcome emails, content-based nurture series, remarketing, upsell emails, and re-engagement campaigns. It highlights the importance of personalizing communications based on customers' behaviors and preferences through behavioral marketing automation.
Tobe Eleogu has over 20 years of experience in human resources, training, and sales roles at Total Nigeria PLC. She is currently the Human Capital Department head, responsible for over 450 employees. Previous roles include Solar Services Manager, Training Manager, Retail Trainer, Regional Training Manager, Retail Sales Executive, and Client Account Officer. She holds an MBA and BSC in Political Science and has received several awards for sales and service performance.
The document outlines the administrative appeals process and time limits for filing discrimination complaints with the Equal Employment Opportunity Commission (EEOC). It discusses the 30-day window for appealing an agency's final action on a complaint. It also addresses the rights of complainants to request court-appointed counsel and file civil suits within 90 days of the agency's final decision or the EEOC's decision on appeal. Agencies must notify complainants of these rights in writing.
Obama read my lips -obama fraudgate (gujarati)VogelDenise
તેથી અમેરિકા યુનાઈટેડ સ્ટેટ્સ ઑફ તરીકે દેશમાં, કેવી રીતે બે કુંટુંબો (ક્લિન્ટન અને બુશ) છે અને તેમના વકીલો / એટર્ની (બેકર ડોનેલ્સન Bearman કેલ્ડવેલ અને Berkowitz) સત્તામાં રહેવા માટે માન્ય, સરકાર બળજબરીથી હરણ કરવું અને નેશન્સ (સ્થાનિક અને વિદેશી) ધાકધમકીથી કામ લેવું અને સિટિઝન્સ જેમ કે આતંકવાદી કૃત્યો કરવા માટે બાન પકડી? વ્હાઈટ હાઉસ તેમના પિતરાઇ (બરાક ઓબામા) સાથે - હવે જેમ કે આતંકવાદી રેજીમ્સ ઉથલાવી પાડવા માટે સમય છે: http://www.slideshare.net/VogelDenise/gujarati-040412
હા, અમેરિકા વિરુદ્ધ ચીન સંઘર્ષ યુનાઈટેડ સ્ટેટ્સ યુનાઇટેડ અમેરિકા ભ્રષ્ટ સરકારી અધિકારીઓ રાજ્યો અને ચીનના નેતાઓ દ્વારા આયોજીત રમત તમામ એક ભાગ છે - એટલે કે આ દસ્તાવેજમાં બેકર દ્વારા આયોજીત ડેમોક્રેટ વિરુદ્ધ રિપબ્લિકન કૌભાંડમાં ની છેતરપિંડી બતાવ્યા ડોનેલ્સન અને તેમના કાવતરાખોરો / સાથી કાવતરાખોરો!
આસ્થાપૂર્વક, આ દસ્તાવેજ "મોનોપોલીઝ" પ્રતિબંધિત અને ગેરકાયદે છે કેમ રિમાઇન્ડર તરીકે સેવા આપશે! અમેરિકા યુનાઇટેડ સ્ટેટ્સ કેવી રીતે આર્થિક અને નાણાકીય સંકુચિત તરફ દોરી જાય છે, જે આંતરરાષ્ટ્રીય સરકારો અને નાણાકીય સંસ્થાઓ એકાધિકાર મેળવવા પ્રયાસ કર્યો!
John Yarmuth has represented Kentucky's 3rd congressional district in the U.S. House of Representatives since 2007. He is a Democrat who previously worked as a publisher and columnist. Yarmuth has been reelected five times. He serves on the House Budget Committee and Energy and Commerce Committee, and holds leadership positions in several Congressional caucuses.
Gliding Contest Scoring: current and proposal 8.1.4 for the 2016 IGC plenaryReno Filla
This is a supporting presentation to explain how scoring currently works (visualizing the official equations in a rearranged way) and what the effect of Dutch proposal 8.1.4 will be
This document lists the names of various insurance companies including dental, health, and life insurers such as Delta Dental Insurance Company, United Healthcare Insurance Company, Cigna Insurance Company, Aetna Health Inc., Humana Insurance Company, Metlife, and John Alden Life Insurance Company. Over 40 insurance company names are listed with no other context provided.
Through World Financial Group, Inc. (WFG) affiliated companies and Crump Life Insurance Services, a licensed WFG associate offers clients the ability to choose from various well-known insurance providers and products. This gives clients the power to find a solution that meets their specific needs. Products include indexed universal life, universal life, term life, whole life, fixed and indexed annuities, group life and supplemental health, long term care, and disability insurance. The document provides a list of insurance carriers and the types of products each offers.
This document summarizes the key financial markets and institutions in the United States financial system. It discusses the large capital markets, debt markets, money markets, and other markets such as mutual funds, insurance, and derivatives. It outlines the major regulatory bodies that oversee these markets and institutions, including the Securities and Exchange Commission and other federal agencies. Finally, it provides lists of some of the largest companies that operate in these financial sectors in the United States.
Page 95 Journal of the International Academy for Case Stud.docxbunyansaturnina
Page 95
Journal of the International Academy for Case Studies, Volume 18, Number 1, 2012
WESTERN NATIONAL INSURANCE
Michael J. Pesch, St. Cloud State University
David L. Eide, Western National Insurance
Subba Moorthy, St. Cloud State University
CASE DESCRIPTION
The primary subject matter of this case concerns the approaches used to methodically
turn a financially struggling insurance company into one of the top regional insurers in the
Midwest. Strategy formulation and execution in the insurance industry, aligning functional
strategies to support the organization’s strategy, and leadership competencies in turnaround
situations are major themes. The case has a difficulty level of 3-5 and is appropriate for junior
and senior-level courses, as well as a first-year graduate course. The case is designed to be
taught in a ninety-minute class period, with two hours of outside preparation by students.
CASE SYNOPSIS
An insurance company is at risk of falling into a financial death spiral and brings in a
new CEO to turn the company around. The CEO and his team take specific measures to bring
the company back to financial health. These include mitigating risk, branding the company,
solidifying agent relationships, ramping up technology, overhauling facilities, diversifying the
business, and becoming an employer of choice. Growth has stalled and the company now is
considering whether to change its business model from selling insurance products solely through
independent agents to also selling directly to consumers via the Internet and an internal sales
force.
INTRODUCTION
In September 2009, Stu Henderson, CEO of Western National Insurance, celebrated with
his employees the announcement that A.M. Best, the premier insurance rating agency, had
upgraded Western to a full A (Excellent). With this upgrade, Western became the only insurance
company in the nation to be upgraded three times in the past eight years on its own merits, i.e.
without external capital injections. This announcement came only two months after Western was
named for the fourth time in five years to the Ward’s 50 Benchmark Group of top performing
property/casualty companies in the United States. (Ward’s is an independent consulting firm.
Each year, based on published financial numbers, they select the top 50 property/casualty
insurance companies among the 3,000 companies that operate in the United States. Return on
Page 96
Journal of the International Academy for Case Studies, Volume 18, Number 1, 2012
surplus, combined loss ratio, and other factors are compiled to determine this prestigious
ranking.) In the crowded cafeteria, Henderson held up his can of diet ginger ale and made a
toast:
At a time when the economic news has many thinking that financial stability is the
exception rather than the rule, we are pleased to have first the Ward Group, and now A.M. Best
recognize Western National’s role as an insuranc.
The Wright Insurance Group is a team of professionals that provides specialty insurance solutions to schools, food companies, real estate owners, and others to help improve safety, purchase insurance at more economical rates, and reduce premiums and broaden coverage through risk purchasing groups. They are also the largest provider of federal flood insurance in America, protecting homes and businesses from disaster. Most importantly, they deliver expertise and claims excellence to their customers.
Swingle Collins & Associates provides holistic insurance programs and risk management for high net-worth individuals and families tailored to their needs. They offer both domestic and international coverage through major insurers. Their team personally manages client portfolios and the ongoing changes to their insurance programs. They have developed specialized programs for affluent clients covering a wide range of property, liability, and lifestyle risks.
This presentation is part of our continuing series of training modules for the Financial Services Industry. The Insurance Industry Overview module provides a quick look at products offered by insurance companies and how insurance companies are organized. We provide training in a wide range of topics targeted at the business lines of financial services companies. Contact us for a quote or a needs analysis. Please email me at: Floyd.saunders@yahoo.com.
This document provides an overview of the insurance industry in India. It discusses key concepts like the insurer, insured, and policy. It outlines the history of insurance in India dating back to 1850 and the nationalization of insurance companies in 1956. It also describes the main types of insurance like life, fire, marine, and general insurance as well as principles of insurance such as insurable interest, indemnity, and mitigation. The advantages of insurance for protection, investment, and industrial development are highlighted.
This document summarizes the benefits of working with ISU, a national network of independent insurance agencies. It highlights that ISU provides access to over 300 insurance companies and over 1000 professionals across the US. Working with ISU allows clients to take advantage of ISU's expertise and resources to place insurance that covers risks on a national scale.
The document discusses several insurance companies operating in Pakistan. It provides a list of 36 general insurance companies and details about some of the major players like State Life Insurance Corporation of Pakistan, ACE Insurance, Adamjee Insurance Company Limited, IGI Insurance Limited, EFU General Insurance Ltd and The Pakistan Life and General Insurance Company. It discusses the history, operations, products/services and achievements of these prominent insurance firms in the Pakistani market.
Allstate offers a wide range of insurance and financial products organized into 5 categories: 1) asset protection through auto, home, and other insurance, 2) family life protection through life and health insurance, 3) short-term financial objectives like banking, 4) asset management for education, retirement, and investments, and 5) wealth transfer including estate planning and life insurance. Allstate is the largest publicly held personal lines insurer in the US, serving over 14 million households through agents and other channels with products for homeowners, renters, businesses and more.
The Wright Insurance Group will be acquired by Brown & Brown, Inc. in April 2014 pending regulatory approval. Wright's operational leadership and locations in Uniondale and Albany, NY and St. Petersburg, FL will remain the same. Wright will continue to service its policyholder and producer relationships as part of Brown & Brown's National Programs Division. The acquisition will allow Wright to expand its insurance and risk management services with Brown & Brown's support.
This document provides a state-by-state listing of legal liability insurance carriers that offer an extended reporting period. It includes information on whether carriers are admitted or non-admitted in each state and which carriers are sponsored by state bar associations in certain states. The listing provides the names of available carriers in each state jurisdiction.
This document provides a directory of intermediaries and carriers for Medicare Parts A and B by state. It lists the Part A intermediary, Part B carrier, regional home health intermediary (RHHI), and durable medical equipment Medicare administrative contractor (DME MAC) for each state and territory. It also includes contact information for some major intermediaries and carriers. The directory is effective as of January 2007 and is intended to help with inquiries regarding Medicare coverage for different areas.
Shipping insurance seminar 25th jan at mumbai are we really insured ckshirishkirtane
The document discusses various examples of situations where insureds believed they were fully covered by their insurance policies but were denied claims due to exclusions in the fine print of the policies. It provides cases where policies excluded floods, nuclear disasters, theft, damage not caused by violent entry, and more. It emphasizes that insurance policies often have many exceptions and it is important for insureds to fully read and understand their policies to avoid surprises when making a claim.
The document summarizes the world's top 5 insurance companies by revenue in 3 sentences:
AXA is the largest insurance company globally with over $99 billion in revenue and operations across 56 countries. Zurich Insurance Group has over $60 billion in revenue and operates in over 170 countries. China Life Insurance is one of China's largest state-owned insurance companies and has operations across life insurance, pensions, asset management and more.
ISU is a local, privately owned independent insurance firm with offices coast to coast that can handle all insurance needs. As an independent firm, ISU provides high levels of personal service and accesses the resources of a national network to find clients the best insurance values. ISU is an organization for independent agents that uses the strength of its national size and scope to help solve clients' insurance and risk management problems through competitive pricing, coverage options, claims assistance, and security.
The document summarizes the history and operations of Petersen International Underwriters. It describes how the company was founded by W. Harold Petersen after experiencing financial hardship due to his father's disability. Petersen International Underwriters created the first high limit disability insurance policies and has partnered with Lloyd's of London for over 30 years. The company prides itself on providing high-quality customer service and developing innovative disability insurance products and solutions.
The document provides an overview of insurance and the operations of insurance companies. It discusses how insurance works by pooling together funds from many individuals to pay for losses, thereby spreading out costs. It describes the key roles of underwriters in assessing risks and ratemakers in setting premium prices. It also discusses how insurance companies invest premium payments to generate revenue and have become major capital suppliers. In summary, the document outlines the basic concepts of insurance, the roles of insurance companies, and how they operate financially.
Insurance provides financial protection against losses in exchange for premium payments. An insurance policy outlines what risks are covered up to a specified coverage limit, and the deductible is the amount owed before the insurer pays a claim. Common types of insurance include auto, homeowners, life, health, and disability insurance. Auto insurance covers vehicle damage and liability, while homeowners/renters insurance protects a person's dwelling and possessions. Life insurance pays beneficiaries if the policyholder dies prematurely, and health and disability insurance cover medical costs and lost wages from illness/injury preventing work.
Similar to CLIENTS LIST INFORMATION For Page Kruger & Holland and Phelps Dunbar (20)
Your Go-To Press Release Newswire for Maximum Visibility and Impact.pdfPressReleasePower4
This downloadable guide explains why press releases are still important for businesses today and the challenges you might face with traditional distribution methods. Learn how [Your Website Name] offers a comprehensive solution for crafting compelling press releases, targeting the right media outlets, and maximizing visibility.
The Biggest Threat to Western Civilization _ Andy Blumenthal _ The Blogs.pdfAndy (Avraham) Blumenthal
Article in The Times of Israel by Andy Blumenthal: China and Russia are commonly considered the biggest military threats to Western civilization, but I believe that is incorrect. The biggest strategic threat is a terrorist Jihadi Caliphate.
Youngest c m in India- Pema Khandu BiographyVoterMood
Pema Khandu, born on August 21, 1979, is an Indian politician and the Chief Minister of Arunachal Pradesh. He is the son of former Chief Minister of Arunachal Pradesh, Dorjee Khandu. Pema Khandu assumed office as the Chief Minister in July 2016, making him one of the youngest Chief Ministers in India at that time.
Essential Tools for Modern PR Business .pptxPragencyuk
Discover the essential tools and strategies for modern PR business success. Learn how to craft compelling news releases, leverage press release sites and news wires, stay updated with PR news, and integrate effective PR practices to enhance your brand's visibility and credibility. Elevate your PR efforts with our comprehensive guide.
Acolyte Episodes review (TV series) The Acolyte. Learn about the influence of the program on the Star Wars world, as well as new characters and story twists.
El Puerto de Algeciras continúa un año más como el más eficiente del continente europeo y vuelve a situarse en el “top ten” mundial, según el informe The Container Port Performance Index 2023 (CPPI), elaborado por el Banco Mundial y la consultora S&P Global.
El informe CPPI utiliza dos enfoques metodológicos diferentes para calcular la clasificación del índice: uno administrativo o técnico y otro estadístico, basado en análisis factorial (FA). Según los autores, esta dualidad pretende asegurar una clasificación que refleje con precisión el rendimiento real del puerto, a la vez que sea estadísticamente sólida. En esta edición del informe CPPI 2023, se han empleado los mismos enfoques metodológicos y se ha aplicado un método de agregación de clasificaciones para combinar los resultados de ambos enfoques y obtener una clasificación agregada.
Here is Gabe Whitley's response to my defamation lawsuit for him calling me a rapist and perjurer in court documents.
You have to read it to believe it, but after you read it, you won't believe it. And I included eight examples of defamatory statements/
CLIENTS LIST INFORMATION For Page Kruger & Holland and Phelps Dunbar
1.
2. Page Kruger & Holland, P.A., Attorneys At Law: Representative Clients http://www.pagekruger.com/clients.html
Below is a listing of representative clients of Page, Kruger & Holland, P.A.:
Acadian Ambulance Service QBE Insurance Company
Acceptance Insurance Company Ranger Insurance Company
American Indemnity Group Rankin Medical Center
American International Group, Inc. Regal Insurance Company
American National General Insurance Companies Regent Insurance Company
American National Property and Casualty Company Reliance Insurance Company
American States Insurance Company River Oaks Hospital
Anchor Managing General Agency, Inc. River Region Health Systems
Aviation Adjustment Bureau, Inc. Safeco Insurance Companies
AXA Re Property and Casualty Company Scottsdale Insurance Company
Bituminous Casualty Company Shelby County Healthcare
Central Mississippi Medical Center Shelter Insurance Company
City Insurance Company St. Dominic’s Hospital
CNA Healthpro St. Paul Insurance Company
CNA Insurance Company St. Paul Fire & Marine Insurance Company
CNA Surety Group St. Paul Guardian Insurance Company
Colonial Insurance Company of California St. Paul Mercury Insurance Company
Commercial Union Insurance Company St. Paul Life Insurance Company
Construction Services, Inc. Standard Guaranty Company
Continental Insurance Company State Volunteer Mutual Insurance Company
Crum & Forster Stonewall Insurance Company
Dixie Insurance Company Sutherland Lumber Company
Dominion Insurance Company Superior Asphalt, Inc.
EMC Insurance Company The Argonaut Group
F & D Company of Maryland The Doctor’s Company
Farmland Insurance Company The GEO Group
Federal Home Life Insurance Company The Hartford
Fidelity & Guaranty Insurance Company The Western Insurance Companies
Fidelity & Casualty Company of New York The Virginia Insurance Reciprocal
GE Capital The Infinity Group
General Adjustment Bureau, Inc. The New Hampshire Insurance Company
Generali US Branch The Jefferson Insurance Group
Georgia Casualty & Surety Company The Atlanta Casualty Companies
Great American Insurance Companies The Moore Group
Gulf Guaranty Insurance Company The Wackenhut Corporation
Harbor Insurance Company Time Insurance Company
Health Management Associates, Inc. Transamerica Insurance Company
Home Insurance Company Travelers Insurance Company
Infinity Insurance Company Triad Hospitals, Inc.
1 of 2 7/9/2012 11:08 AM
3. Page Kruger & Holland, P.A., Attorneys At Law: Representative Clients http://www.pagekruger.com/clients.html
ITT Hartford Insurance Company Trident Insurance Services, LLC
J&J General Contractors, Inc. U.S. Fire Insurance Company
JWF Specialty Company U S F & G Company
Kemper Group U.S. Risk Group
Kmart Corporation Union Security Life Insurance Company
Lampkin Construction Company, Inc. United Pacific Insurance Company
Lexington Insurance Company Universal Underwriters Insurance Company
Liberty National Life Insurance Company University of Mississippi Medical Center
Lumberman's Mutual Casualty Company Utica Mutual Insurance Company
Marine Office of America West American Insurance Company
Medical Assurance Company of Mississippi Westchester Fire Insurance Company
Mississippi Materials Company Western Casualty & Surety Company
Mississippi Insurance Guaranty Association Western Heritage Insurance Company
Mississippi Insurance Department Windsor Insurance Company
Nationwide Mutual Insurance Company Wolverine Insurance Company
Ohio Casualty Insurance Company Women’s Hospital
Old Republic Insurance Company W.G. Yates & Sons Construction Company
Pennsylvania National Insurance Company Zurich American Insurance Company
Permanent General Assurance Company
Preferred Risk Insurance Company
Progressive Insurance Company
2 of 2 7/9/2012 11:08 AM
4. LexisNexis® Martindale-Hubbell® http://www.martindale.com/print.aspx
Print Close Window
Phelps Dunbar LLP
New Orleans, Louisiana Office
View all offices
Canal Place, 365 Canal Street, Suite 2000
New Orleans, Louisiana 70130-6534
(Orleans Parish)
Telephone: 504-566-1311
Telecopier: 504-568-9130
http://www.phelpsdunbar.com
Send Email
Profile Visibility
#4 in weekly profile views out of 900 law firms in New Orleans, Louisiana
#116 in weekly profile views out of 264,552 total law firms Overall
Bar Register Practice Areas
About this office:
Established in 1853 in New Orleans, Phelps Dunbar is a regional law firm of more than 270 attorneys
with offices in Louisiana, Mississippi, Texas, Florida, Alabama, North Carolina and London, serving
clients in the South as well as nationwide and abroad. Whether it is a matter of admiralty, litigation,
business, employment or insurance, we are committed to being the preeminent law firm for
companies and individuals needing transactional or litigation services. Phelps has a significant
geographic presence and our lawyers have developed a depth and breadth of legal experience so
that our clients need only one firm for legal services throughout the region.
Regardless of a client's size or stage of development, we believe that successful legal representation
begins with a clear understanding our our client's business, industry and objectives, followed by
collaboration with the client to achieve the best possible results. Our lawyers and our support staff
work together to deepen client relationships through a commitment to understanding their
businesses and their goals, and we strive to advance our clients' interests by providing excellent,
effective and efficient legal services and creative solutions across all areas of our practice.
View the People at this office
Statement of Practice Summary:
Admiralty Law; Appellate Practice; Antitrust and Trade Regulation; Bankruptcy; Creditors' Rights;
Business Law; Finance; Commercial Litigation; Construction Law; Corporate Law; Securities;
Employee Benefits; Energy; Minerals; Environmental Law; Franchise Law; Franchise Distribution;
Gaming Law; Government Contracts; Health Care; Health Care Litigation; Health Insurance
Portability and Accountability Act (HIPAA); Immigration Law; Insurance; Reinsurance; Intellectual
Property; International Law; Labor And Employment; Legislative Practice; Governmental Relations;
Municipal Finance; Oil And Gas Law; Petroleum Marketing; Products Liability; Professional Liability;
Public Finance; Public Utility Law; Electric Power; Railroad Law; Real Estate; Regulatory Law;
Governmental Matters; Tax Law; Torts; Toxic Torts; Trusts And Estates; White Collar Criminal
Defense.
1 of 2 7/9/2012 11:27 AM
5. LexisNexis® Martindale-Hubbell® http://www.martindale.com/print.aspx
For additional business information about this firm, click here to view this firm's ranking
in key ALM lists and surveys.
Documents by Lawyers at this office Subscribe to this feed
Supreme Court Renders Decision Upholding Health Care Reform as Constitutional
Alex Glaser,Seale Pylate, July 7, 2012
On June 28, 2012, the United States Supreme Court rendered its decision in National Federation of
Independent Business v. Sebelius, a consolidation of three cases challenging the constitutionality of
the Patient Protection and Affordable Care Act, commonly called “heath care reform” or...
NLRB Acting General Counsel Releases Third Social Media Report
G. Todd Butler, June 15, 2012
Lafe Solomon, Acting General Counsel for the NLRB, issued a third report on May 30th focusing on
social media policies. According to the report, the key question when developing a social media
policy is whether restrictions could "reasonably be construed to chill the exercise of Section 7...
Enforcement of Revised H-2B Program Rules Still on Hold
Brandon E. Davis,John D. Mullen, June 1, 2012
The H-2B program allows foreign workers to come to the United States to perform temporary
nonagricultural work on a one-time, seasonal, peakload or intermittent basis. The Department of
Labor implemented a final rule amending the 2008 H-2B regulations on April 27, 2012. 77 Fed. Reg.
10038-10182...
View more
Search for Jobs Posted by Phelps Dunbar LLP
Year Established: 1853
Representative Clients:
Altria Group, Inc. FKA Philip Morris Incorporated; BancorpSouth Bank; Bank of America; Bender
Shipbuilding & Repair Co., Inc.; The Britannia Steamship Insurance Assn., Ltd.; Capital One
Financial Corporation; Cleco Corporation; Credit Suisse First Boston; Dillard Department Stores; Dow
Chemical USA; Edison Chouest Offshore; Entergy Louisiana, Inc.; Fairfield Industries, Inc.;
Frito-Lay, Inc.; GATX Corp.; General Motors Corporation; Georgia Pacific Corporation;
GlaxoSmithKline; Isle of Capri Casinos, Inc.; J.P. Morgan Chase & Company; Kmart Corporation;
Laitram Corporation; Louisiana Lottery Corporation; Louisiana Workers' Compensation Corporation;
Lundy Enterprises, Inc.; North Mississippi Health Services, Inc. (and affiliated entities); L3
Communications Vertex Aerospace; Regions Financial Corporation; Rolls-Royce North America;
Rubicon Inc.; Scottsdale Insurance Company; Southern Farm Bureau Life Insurance Company;
Steamship Mutual Underwriting Assn., Ltd.; Stolt-Nielsen Transportation Group Ltd.; Tenet
Healthcare Corporation; Thibodaux Regional Medical Center; The Tribune Company; Trustmark
National Bank; Underwriters at Lloyd's London; Union Pacific Railroad Company; Viking Range
Corporation; Westinghouse Electric Corporation; Zurich Reinsurance (London), Ltd.
(For Complete Biographical Data on all Personnel, see Professional Biographies at other locations)
2 of 2 7/9/2012