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
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.
The Election is over. Health care Reform is here to stay, and Colorado is also moving forward on a number of health care issues independently of the federal government. Conversely, employers in the state have to make huge employee benefit decisions based on changing and sometimes limited information.
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.
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.
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
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.
The Election is over. Health care Reform is here to stay, and Colorado is also moving forward on a number of health care issues independently of the federal government. Conversely, employers in the state have to make huge employee benefit decisions based on changing and sometimes limited information.
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.
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.
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.
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.
Author's workflow and the role of open accessPaola Gargiulo
This is a presentation made at 10th Fiesole Collection Development Retreat Series. The goal of the presentation is to describe some tools and solutions to make self-archiving easier for authors.
Progetto presentato per l'esame di Tecnologie della comunicazione applicate all'impresa.
Ticketlive.mobi è un'idea nata dalla mia passione per la musica, in cui convergono le diverse tecnologie proprie della telefonia mobile con possibili applicazioni come l'acquisto di biglietti di concerti attraverso l'uso di cellulari NFC con connessione HSPA. Attraverso tale connessione è possibile acquistare i biglietti collegandosi ad un sito con dominio .mobi che consente un'interazione userfriendly.
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.
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.
Author's workflow and the role of open accessPaola Gargiulo
This is a presentation made at 10th Fiesole Collection Development Retreat Series. The goal of the presentation is to describe some tools and solutions to make self-archiving easier for authors.
Progetto presentato per l'esame di Tecnologie della comunicazione applicate all'impresa.
Ticketlive.mobi è un'idea nata dalla mia passione per la musica, in cui convergono le diverse tecnologie proprie della telefonia mobile con possibili applicazioni come l'acquisto di biglietti di concerti attraverso l'uso di cellulari NFC con connessione HSPA. Attraverso tale connessione è possibile acquistare i biglietti collegandosi ad un sito con dominio .mobi che consente un'interazione userfriendly.
Easy Ways to Segment Your Customers and Create Actionsimagine.GO
Health care reform created millions of new health care shoppers. Many of whom visited your website for the first time. You've did the work to support the new health care consumer on your site, but did you converting visitors into shoppers, and shoppers into repeated customers? You can find the deck associated with this presentation here.
During this session we discussed:
1. How do you create and execute an effective segmentation strategy for health insurance shoppers?
2. Why Segment?
3. What Models?
4. What Methods?
5. What Results?
6. What Next?
Top Health Care Regulatory Trends: New Risks and OpportunitiesEpstein Becker Green
From Epstein Becker Green and EBG Advisors: Policy & Legal Trends Impacting Health Care Investment - for more information, please visit http://www.ebglaw.com/PEdownloads
Similar to Medical With Life Cover - Opportunity for Advisers and Clients (20)
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.
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.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
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.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
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
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
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
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.
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
Medical With Life Cover - Opportunity for Advisers and Clients
1. 1
Medical with Life Cover
Opportunity for Advisers and
Clients
February 2015
Russell Hutchinson and Alan Rafe
www.chatswood.co.nz
2. 2
Long-term Trend: Medical and Life
More than 25 years ago the health and life markets were largely separate, then
this happened
• Sovereign bought Met Life
• TOWER Life bought AXA Health
• Club Life – now OnePath life
• Partners Life
• Fidelity Life and nib
Other insurers without health cover are interested. Even insurers with poorly
operating health books see the value of health insurance as a gateway product
to sales of more life, disability, and trauma insurance. In parallel we have seen:
• More mortgage cover
• More income protection
• More trauma cover
www.chatswood.co.nz
February 2015
3. 3
www.chatswood.co.nz
February 2015
Better Together: Joint Quoting
Number of Health only Quotes in June 2014 1,871
Number of quotes with health in (last crunch, 2-3 re-crunches is typical) 3,295
Proportion of quotes including health of any kind which are health only: 57%
Proportion of all advisers that have quoted health at least once: 66%
400
500
600
700
800
900
1000
1100
1200
Jul-14 Aug-14 Sep-14
Accuro AIA Fidelity / nib OnePath Partners Life Southern Cross Sovereign
4. 4
Benefit Combinations With Health
Benefit Combinations with Health in last crunch How many in June
Health 1,871
Health Life 330
Health Life Trauma 283
Health IP Life Trauma WOP 111
Health IP Life TPD Trauma WOP 100
Health Life Repayment Trauma WOP 73
Health Trauma 65
Health Life TPD Trauma 53
Health IP Life Repayment TPD Trauma WOP 47
Health IP Life Repayment Trauma WOP 32
Subtotal 2,965
Others 330
Total 3,295
www.chatswood.co.nz
February 2015
7. 7
Children in Health Quotes
0
500
1000
1500
2000
2500
0 1 2 3 4+
NumberofCrunches
Number of Children
Number of Children Included in Health Quotes
www.chatswood.co.nz
February 2015
8. 8
How Clients Use Medical Cover
Full health Medical Trauma Disablement Death
Care free or
careless?
Specialists and
tests
Trauma add-
ons
Mortgage
cover
Terminal Illness
Basic medical Limited Trauma Income
protection
Life Cover
Fully featured
medical
insurance
Fully featured
trauma
Total and
Permanent
Disablement
Non-Pharmac
cover
International
Direct /
“Everyday”
products
Doctors’
Visits etc.
Clients can
see this
need first!
Choices are created by the financial assistance provided
www.chatswood.co.nz
February 2015
9. 9
Competition: Making Products Better
• Stand alone specialists and tests sales
• ‘Best Doctors’ diagnosis tool
• Simple direct products – low cost, low benefit, high co-
payments
• Non-Pharmac drugs cover
• Loyalty rewards offering procedures outside scope of medical
cover e.g. Sterilisation, Breast Reduction & Bariatric Surgery.
• Extensive range of products and benefit variations on offer
prompted by new market entrants, where previously a couple
of providers held market monopoly.
www.chatswood.co.nz
February 2015
10. 10
Advisers: Please Consider
• Medical insurance has a role in the risk package
• Role of medical, IP, Trauma alongside state benefits
• Overseas treatment - International options
• Sales process innovations
• Bundling
• Health savings accounts
• Long-term care cover
• Screening programmes
www.chatswood.co.nz
February 2015
11. 11
How Do You Compare Products?
Risks
• “The One thing” to rule them all
• The “non-compliant” feature
Factors
• The whole product
• Price
• Service
• Claims
• Company Factors
Preference
• A Package View
www.chatswood.co.nz
February 2015
12. 12
Overview
• Medical is the next protection benefit clients can see the need for
• It is a great way to open up a constructive discussion about all the
other benefits
• Good advice acknowledges that it is part of a personal risk plan
• That risk plan isn’t alone: it exists in a context of personal wealth,
family, and state health and welfare provision
• An overview considering a range of factors rather than just one
factor is the right starting point for product selection
www.chatswood.co.nz
February 2015
13. 13
Current Issues in Comparing
Medical
• Guaranteed wordings
• Provides customer value in knowing wordings that cannot be altered
• Provides an option for unsustainable books
• Non-Pharmac
• We are seeing claims paid for Cancer related treatment
• Increased our weighting due to claims experience being higher
• Still working to understand the impact of non cancer related treatments
• Need to understand the impact of Chronic Condition exclusions
• Impact of out of hospital benefits
• Breast Reconstruction
• Cosmetic versus medically required
• Covered under main surgical benefit
• Including realignment, tattooing
• Exclusions
• Different excesses
www.chatswood.co.nz
February 2015
14. 14
What We Compare on Quotemonster
Company Basic Excess Options Specialist &
Tests Excess
Options
Saying Specialist
Excess
Used
Accuro
$0, $250, $500, $1,000,
$2,000, $4,000
$0
$250
Nil excess on specialist & tests
no matter which base excess is
selected.
$0
AIA
$0, $250, $500, $1,000,
$2,000
$100 $100 excess on specialist &
tests no matter which base
excess is selected.
$100
nib
$0,$250, $500, $1,000,
$2,000, $4,000, $6,000
$0 Nil excess on specialist & tests
no matter which base excess is
selected.
$0
OnePath
$0, $250, $500, $1,000,
$2,000, $5,000
$250 $250 excess on specialist &
tests no matter which base
excess is selected.
$250
Partners Life $0, $250, $500, $1,000,
$2,000, $5,000,
$10,000
$250 $250 excess on specialist &
tests no matter which base
excess is selected.
$250
Southern
Cross $0, $250, $500, $1,000
$0 Excess for specialist & tests is
matched to whichever base
excess is selected.
$0
Sovereign
$0, $250, $500, $750,
$1,000, $2,000, $4,000
$0
$250
Nil excess on specialist & tests
no matter which base excess is
selected.
$250
www.chatswood.co.nz
February 2015
16. 16
Rating Process
Definition Incidence Frequency Amount
Readability Impact
Better research to support recommendations, based
on: the meaningful differences between products, on
your client’s actual situation, and on real-world risks.
Based on actual
risks and
payment
Specific to each
client and
options
Low cost, easy
to update and
use
Male / Female
Employed / self-
employed
Age
Options
selected
Realistic claims
scenario
Each report
varied for each
quotation
www.chatswood.co.nz
February 2015
18. 18
Rating Process
Definition Incidence Frequency Amount
Readability Impact
Better research to support recommendations, based
on: the meaningful differences between products, on
your client’s actual situation, and on real-world risks.
Based on actual
risks and
payment
Specific to each
client and
options
Low cost, easy
to update and
use
Male / Female
Employed /
self-employed
Age
Options
selected
Realistic
claims
scenario
Each report
varied for each
quotation
www.chatswood.co.nz