tag:blogger.com,1999:blog-22862962949078428312023-11-15T06:38:02.670-08:00Bones InsuranceDiscussion that touches the rigmarole involved in the making of a successful insurance provider plus other more recondite issues like insurance for meteorite strike damages, risk assessment and more.Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.comBlogger89125tag:blogger.com,1999:blog-2286296294907842831.post-57063668392820431352020-07-05T12:18:00.000-07:002020-07-05T12:18:01.706-07:00Business Interruption Insurance: Small Business Savior During The COVID 19 Pandemic?<br />
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It is carried in some small business insurance policies, but
can business interruption insurance save one’s fledging business in the time of
the COVID 19 pandemic?</div>
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By: Ringo Bones </div>
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If you still don’t have this coverage, it is likely too late
to purchase it now as insurance companies usually won’t cover losses for a
crisis that’s already underway. However, after COVID 19 blows over, you should look at this small business insurance policy in the future. Some small business
insurance policies carry business interruption insurance clauses, either as a
stand-alone policy or part of an overall package policy. Depending on the type of
policy your business holds, you may have coverage for some types of losses.
However, there’s a good chance the coverage might be limited or contain
exclusions. </div>
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After the Severe Acute Respiratory Syndrome (SARS) outbreak
in 2003, many insurance companies have updated their business interruption
policies to exclude infectious diseases. Every policy varies, so it depends on
the wording of your policy, its exclusions and limitations. Review your policy
and talk to your insurance agent to see what, if anything, your policy covers.</div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com0tag:blogger.com,1999:blog-2286296294907842831.post-5324550454757209872020-07-05T11:35:00.000-07:002020-07-05T11:35:17.197-07:00Could Lloyd’s of London Insurance COVID 19 Claims Rival That Of 9/11?<br />
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Since the WHO declared it to be a pandemic back in March
2020, could the Lloyd’s of London’s COVID 19 insurance claims rival that of the
September 11, 2001 era terror attacks?</div>
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By: Ringo Bones </div>
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Back in May 2020, Lloyd’s of London is likely to pay out
3.0-billion to 4.3-billion US dollars in insurance claims related to the COVID
19 pandemic, similar to losses from the September 11, 2001 terror attacks. This
is largely due to the pandemic causing a lockdown on economies around the
world, bringing business, events and travel to a halt and leading to hefty
claims. And according to Lloyd’s, global non-life underwriting and investment
losses for the whole of 2020 could hit a record 203-billion US dollars. Zurich
Insurance is also looking at 750-million US dollars in non-life pandemic claims
for 2020. </div>
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In a double blow to the industry, insurers have also lost
money due to falling markets, slashing the investments they use to pay out claims.
Global insured loss forecasts of 107-billion US dollars are similar to natural
catastrophe losses in 2005 led by Hurricanes Katrina, Rita and Wilma and to
2017 including Hurricanes Harvey, Irma and Maria, according to Lloyd’s. The
company’s estimates do not include life insurance and assume continuing social
distancing and lockdown measures in 2020, as well as a drop in global GDP. </div>
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The bulk of the insurance losses come from cancellation or
postponement of major events around the world – including the 2020 Tokyo
Olympics, business interruption claims on property insurance and trade credit.
Small businesses in Britain are battling insurers who they say have denied them
payments for disruption. The insurers say most small business policies do not
cover the COVID 19 pandemic. Lloyd’s of London insurer Hiscox is one of those
under scrutiny.</div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com0tag:blogger.com,1999:blog-2286296294907842831.post-88072787889436085592019-04-11T15:08:00.000-07:002019-04-11T15:08:48.917-07:00Lloyd’s Of London Finally Bans Alcohol and Drugs In The Workplace?<div class="MsoNormal">
It hit the news back in Tuesday, April 9, 2019, is alcohol
and drugs really a big problem at Lloyd’s of London?</div>
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By: Ringo Bones</div>
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Wasn’t the world-famous insurance corporation Lloyd’s of
London started a coffeehouse? During the beginning of the 18<sup>th</sup>
Century, Edward Lloyd’s coffeehouse was one of the foremost places where
insurers, brokers and underwriters of common interests meet. It is of interest
to note that Mr. Lloyd would not allow a man to write his name under a contract
of insurance in his coffeehouse unless certain of the underwriters’ ability and
willingness to pay up in the event of loss. </div>
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Fast forward to April 2019, Lloyd’s decision to finally ban drunkenness
in the workplace was in part to the rise of complaints of sexual harassment and
related disgraceful behavior during the past few years that was caused
primarily by personnel who got a bit too much wine during lunch. Which is quite
ironic, really, given that Lloyd’s of London was originally a coffeehouse. And
as part of a code of conduct to be unveiled this week, people attending to
enter the market under the influence of drugs and / or alcohol will have their
passes confiscated. </div>
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Whether this is actually enforceable, only time will tell, but
pity the security guards who will be in the front line of this. The security
guards will now have the unenviable task – I mean how will they react when a
powerful and influential broker staggers in at one in the afternoon after
having a bit too much to drink at lunch and starts making threats when they are
told to surrender their pass and told to go home?</div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com1tag:blogger.com,1999:blog-2286296294907842831.post-50876230549083477472019-03-26T02:39:00.000-07:002019-03-26T02:39:55.940-07:00Could Climate Change Make Insurance Coverage Too Expensive For Most People?<div class="MsoNormal">
Given that the world’s largest reinsurance firm – Munich Re –
warned us five days ago that insurance premium rate rises could become a social
issue, is climate change making insurance coverage too expensive for ordinary
people?</div>
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By: Ringo Bones </div>
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Insurers around the world manage to reach a consensus five
days ago to issue a warning that climate change could make coverage for
ordinary people unaffordable after the world’s largest reinsurance firm blamed
global warming for 24-billion US dollars (18-billion UK£) of losses in the California
wildfires. Ernst Rauch, Munich Re’s chief climatologist, told the Guardian
newspaper that the costs could soon be widely felt, with premium rises already
under discussion with clients holding asset concentrations in vulnerable parts
of the state. From my point view, it could only be a matter of time for
insurance claims adjusters, insurance brokers and anyone at the leading
insurance companies’ underwriters’ box to set premiums rates for flood and fire
insurance for Malibu, California homeowners to rival that of Lloyd’s Of London’s
“unique risks” coverage – i.e. coverage for risks whose actuarial figures and
adequate tables of probability are not available, as in like those of insurance
coverage for the sudden reappearance of the “Loch Ness Monster”. </div>
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According to Munich Re, the lion’s share of California’s 20
worst forest fire blazes since the 1930s have occurred in the 21<sup>st</sup>
Century, in years characterized by abnormally high summer temperatures and “exceptional
dryness” between the months of May and October. And Munich Re’s chief
climatologist Ernst Rauch states that: “If the risk from wildfires, flooding,
storms and hail is increasing then the only sustainable option we have is to adjust
our risk price accordingly. In the long run it might become a social issue”.
Too bad there’s still no coverage yet for a so-called “President Trump Climate
Change and Global Warming Denial Insurance”. </div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com0tag:blogger.com,1999:blog-2286296294907842831.post-9903788558123763872018-01-05T15:54:00.002-08:002018-01-05T15:54:54.089-08:00Can Safer Air Travel Lower Airline Travel Insurance Premiums?<!--[if gte mso 9]><xml>
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</xml><![endif]-->Given that air travel fatalities has been in decline for the
past 20 years and 2017 was declared as the safest year for airline travel, will the trend result in lower airline travel insurance
premiums?<br />
<br />
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By: Ringo Bones </div>
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Even though air crash fatality payouts in airline travel
insurance policies are de rigueur, most air travel insurance policies are
advertised for other reasons. Why buy airline travel insurance? Well, these
days flights and hotels are booked but one needs to protect his or her vacation
investment after shelling out significant amounts of money and those whose day-jobs
involve weekly airline travel trips involving 500 miles or more, concerns arise
if… A) You come down with the flu just a few days before your departure? B) The
tour operator for your 2-day excursion suddenly declares bankruptcy? Or C) You
are unexpectedly laid-off from your job? </div>
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<br /></div>
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Major insurance providers already provide airline travel
insurance to help protect your trip investment by taking the worry out of
unforeseen circumstances that could disrupt your plans. Most of them can
provide trip cancellation coverage, giving your cash back for up to 100-percent
of your trip costs for reasons like: termination by employer, covered illness or
injury of you and your traveling companions, airline stopping services for at
least 24 hours due to natural disasters such as hurricanes, named severe storms
or earthquakes. Affordable plans start as low as 17 US dollars and coverage is
usually around 1,500 US dollars per person for flight cancellations and 300 to
500 US dollars a day for trip interruptions. Will these premiums get even lower
given that 2017 was declared as the safest year ever for airline travel and
airline crash fatalities has been in decline during the past 20 years? </div>
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<br /></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">Despite of
the tragic and scary chapter that we call 9/11, the mysterious disappearance of
Malaysia Airlines Fight MH 370 back in March 8, 2014, the shooting down of
Malaysia Airlines Flight MH17 over Donetsk by a Russian made Buk surface-to-air
missile back in July 17, 2014, the number of airliner accidents has been in a
slow and steady decline during the past 20 years. Harro Ranter, president of
The Aviation Safety Network said: “Since 1997 the average number of airliner
accidents has shown a steady and persistent decline, for a great deal thanks to
the continuing safety-driven efforts by international aviation organizations
such as ICAO, IATA, Flight Safety Foundation and the aviation industry.” </span></div>
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<br /></div>
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The Dutch consultancy To70, estimated there was now one
fatal accident for every 16-million flights, although its report was compiled
before the Costa Rica crash occurred. While the Aviation Safety Network’s
report shows that the accident rate now stands at one fatal passenger flight
accident per 7,360,000 flights. If cargo planes were included, a report by the
Airline Safety Network shows that there were a total of 10 fatal accidents,
resulting in 79 deaths for the whole of 2017, compared with 16 accidents and
303 lives lost in 2016. The organization based its figures on incidents
involving civil aircraft certified to carry at least 14 people. Given the statistically
significant decline in airline accident fatalities during the past 20 years,
should these translate to lower airline travel insurance premiums? </div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com1tag:blogger.com,1999:blog-2286296294907842831.post-66629957006663201662017-06-25T15:00:00.000-07:002017-06-25T15:00:11.956-07:00Jamii Insurance: Best Health Insurance For The Poor? <!--[if gte mso 9]><xml>
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With premiums at only 1 U.S. dollar a month, is Jamii
Insurance the best health insurance for Tanzania’s poor? </div>
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<br /></div>
<div class="MsoNormal">
By: Ringo Bones </div>
<div class="MsoNormal">
<br /></div>
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Even though they badly needed it, health insurance is a novel
luxury in Tanzania. The penetration of health insurance is as low as
4.5-percent, which means that the majority of Tanzania’s low-income and
informal workers do not have access to insurance and struggle to pay for health
services. As a recent add-on to the company’s financial cooperative groups,
Jamii Insurance has been recently hailed by its clients for being able to
provide top notch healthcare while only asking for a premium of only 1 U.S.
dollar a month. Best of all, it is payable via a mobile phone payment system
like M-Pesa. </div>
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<br /></div>
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The low income population of Tanzania – 47 million people in
total – earns less than 70 U.S. dollars a month. For them, income is also
dynamic, especially to informal workers / self employed who sometimes earns 200
U.S. dollars for this month but virtually none the next which also makes having
a sizable savings account in a bank a luxury. This population in Tanzania also
suffers from high rate of maternal deaths due to unsupervised home births and
death from curable diseases due to lack of money to pay for medical services.
Jamii Insurance comes as a much needed solution to this ignored population.
Given that a sizable population of the poor already own mobile phones, this
makes it much easier to perform the administrative activities of the insurer. </div>
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<br /></div>
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Jamii is matched in strategic partnership with Jubilee
Insurance and Vodacom. This helps cut insurance administration costs by as much
as 95 percent, this enabling Jamii to offer a health insurance product with a
premium for as little as 1 U.S. dollar a month. As a micro-insurance health
startup that provides health insurance targeted at Tanzania’s low income
population through their mobile phones, Jamii Insurance has been hailed as a
miracle based on the service it has been able to provide. </div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com1tag:blogger.com,1999:blog-2286296294907842831.post-43656478468099766282016-08-14T18:06:00.000-07:002016-08-14T18:06:32.649-07:00Dengue Insurance: A Necessity In Tropical Regions? <!--[if gte mso 9]><xml>
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<![endif]-->If you live in a tropical region where the healthcare system
is not as good as “Obamacare”, is dengue insurance a good option?<br />
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<div class="MsoNormal">
By: Ringo Bones </div>
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<br /></div>
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Filipino nurses in the United States who have benefited from
Obamacare often wonder why the Philippine government isn’t working hard enough
have a healthcare system as good as one established. But given that something
like this is still currently “science fiction”, will a kind of dengue insurance
like the Pioneer MediCash Dengue Insurance be the next best thing? </div>
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<br /></div>
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Given that dengue fever has financially devastating
consequences when it afflicts fixed income people in the Philippines, a disease
specific health insurance policy with an affordable premium would be an
excellent option. Recently, I’ve checked out if one is locally available in the
Philippines and as luck would have it, I’ve stumbled upon the Pioneer Pioneer
MediCash Dengue Insurance. It is basically a disease-specific health insurance
that provides a lump-sum payout of PhP 10,000 (which is equivalent to a little
over 200 US dollars) medical assistance in the event that the policyholder is
diagnosed with dengue fever – even if the diagnosis does not require a hospital
stay. </div>
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<br /></div>
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And even if you already have an HMO like Philhealth, there
is still value in availing oneself of Pioneer MediCash Dengue Insurance. You
still get your PhP 10,000 lump-sum payout on top of your HMO and Philhealth
benefits to take care of other medical expenses. Receipts or hospital bills are
not required as MediCash pays with just a valid doctor’s diagnosis accompanied
by the diagnostic test results. The Pioneer MediCash Dengue Insurance only
costs PhP 350 a year – which works out to an insurance premium of less than one
peso a day to be your basic health insurance against a common tropical disease
like dengue. </div>
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<br /></div>
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It is relatively easy to apply for the Pioneer MediCash
Dengue Insurance, you just need to pay for an activation form at SM Bills Pay
and complete the personal information form. No medical questionnaires are
required. And when it comes to the beneficiaries, you, your family members,
friends and household staff are eligible. When it comes to age requirement, applicants
ages 1 to 70 are eligible. </div>
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<br /></div>
<div class="MsoNormal">
Unfortunately, like most health insurance policies, there
are preexisting condition restrictions. Someone who already sick with dengue
are ineligible for the PhP 10,000 benefit because the Pioneer MediCash Dengue
Insurance has a 15-day waiting period, which means that the insured should not
be feeling the symptoms of dengue, not be showing signs of dengue, not have
consulted a doctor for dengue and not make a claim for dengue. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
To get the PhP 10,000 benefit, once you are insured over the
15-day waiting period and start feeling the symptoms and signs of dengue, you
should consult a doctor. And then ask the doctor to complete the Claims
Supplementary Medical Report (CSMR) which is like a medical certificate and
comes with your Pioneer MediCash Coverage Summary. Then take a digital photo of
your CSMR and the diagnostic results with your smartphone and then send the
photo via email to <a href="mailto:reatail@pioneer.com.ph">reatail@pioneer.com.ph</a>
or viber to +63 917 5317213. </div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com2tag:blogger.com,1999:blog-2286296294907842831.post-40782117438453817582016-03-27T05:40:00.000-07:002016-03-27T05:40:33.970-07:00Should There Be A Donald J. Trump Presidency Insurance? <!--[if gte mso 9]><xml>
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<![endif]-->Given that Donald J. Trump winning the U.S. presidency has
been deemed one of the top 10 risks facing the world, should there be a “Donald
Trump Presidency Insurance”?<br />
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By: Ringo Bones </div>
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American billionaire, reality show host and current U.S.
Republican Party’s U.S. presidential candidate Donald J. Trump has just been
deemed as one of the top 10 risks facing the world, according to the Economist
Intelligence Unit or EIU. The research firm warns that Mr. Trump could disrupt
the global economy and further heighten political and security risks in the
United States. However, the Economist Intelligence Unit does not expect Mr.
Trump to defeat Hillary Clinton who it sees as “his most likely Democratic
contender.” </div>
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The Economist Intelligence Unit rates a Donald J. Trump
presidency riskier than Britain leaving the European Union or an armed conflict
in the South China Sea. According to the EIU, the events it sees are more dangerous
than a Trump presidency are Mainland China encountering an economic “hard
landing” or sharp economic slowdown and Russia’s interventions in Ukraine and
Syria that could reignite a “New Cold War”. “Thus far, Mr. Trump has given very
few details of his policies – and these tend to be prone to constant revision,”
the EIU said in its global risk assessment, which looks at impact and
probability. The EIU ranking uses a scale of one to 25, with Mr. Trump
garnering a rating of 12, the same level of risk as “the rising threat of Jihadi
Terrorism destabilizing the global economy.” </div>
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Given Lloyd’s of London’s willingness to underwrite unique
risks whose adequate actuarial figures of probability are not available – i.e. damage
to dancers’ legs, rain-outs of public events and even the appearance of the
Loch Ness Monster – it seems that Lloyd’s would probably be issuing a Donald
Trump Presidency Insurance policy anytime soon. And the Economist Intelligence Unit
already has the pertinent probability figures to please Lloyd’s “actuarial pool”.
<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"></span></div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com2tag:blogger.com,1999:blog-2286296294907842831.post-26221146452851206072016-03-06T05:39:00.000-08:002016-03-06T05:39:24.747-08:00Allstate’s Safe Driving Bonus Check: Caveat Emptor?<!--[if gte mso 9]><xml>
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Despite being around for almost 10 years now, should one
read the proverbial “fine print” before availing themselves of Allstate’s Safe
Driving Bonus Check? </div>
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<br /></div>
<div class="MsoNormal">
By: Ringo Bones </div>
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<br /></div>
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When I first saw the Allstate Safe Driving Bonus Check
advert back in 2007 and the related TV ad featuring The Unit’s Dennis Haysbert,
it seems that Allstate’s scheme to drag more customers to avail themselves of
their “novel” Car Insurance / Auto Insurance policy scheme seems too good to be
true for giving you a bonus if you don’t have an accident claim for six months –
and it really is by the time you read the fine print – it is not available in
all states in the United States, especially in the state of California. But if
the “positive aspects” of Allstate’s Safe Driving Bonus Check is available in
your territory, is it a really beneficial bonus of one’s car insurance / auto insurance
policy? </div>
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The Safe Driving Bonus Check provides a credit to Allstate
insured drivers that do not have a claim within a specified policy term for at
least six months. The allotted credit is up to 5 percent of the policy insurance
premium, applied to your renewal policy. For example, if you pay $500 for six
months of car insurance, you are eligible to receive a $25 credit for your next
six-month policy term. In other words, you would only have to pay $475 for your
next six months with Allstate. This may seem to do wonders to your car insurance premiums, but as always, there are some minor catches. </div>
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The minor catches are: In order to qualify for any of this,
you must first be enrolled in Allstate Your Choice Auto program. Allstate Your
Choice Auto requires you to have a clean driving record and good credit – i.e.
insurance score. If you are eligible or already enrolled, the Safe Driving
Bonus Check may not be available until your next policy renewal and
additionally, any bonus under $5 will only be applied to your renewal premium.
So if you don’t stay insured will Allstate, all bets are off. </div>
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<br /></div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com0tag:blogger.com,1999:blog-2286296294907842831.post-25283175113028314612016-03-05T05:59:00.000-08:002016-03-05T05:59:35.893-08:00Do You Really Need Payment Protection Insurance?<!--[if gte mso 9]><xml>
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Even though it gained a rotten reputation as one of the most
frequently mis-sold insurance products of the past few years, does one really
need payment protection insurance? <span style="mso-spacerun: yes;"> </span></div>
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By: Ringo Bones </div>
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During the housing bubble that lead to the subprime mortgage
crisis and the 2008 global credit crunch, payment protection insurance gained a
rotten reputation as one of the most frequently mis-sold insurance policies of
the last decade. It is supposed to cover your debt repayments if you can’t
work, but many policies were mis-sold alongside legitimate financial products.
If you’ve ever taken out a loan, mortgage, credit card or store card, or bought
something on credit, then there’s a chance you were mis-sold a payment protection
insurance policy at the same time. But what is payment protection insurance? </div>
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Payment Protection Insurance, also known as PPI, is a type
of short term protection. This type of policy covers you for a loan payment if
you are made redundant in your current job or find yourself unable to work due
to illness or accident. The right policy means you will be able to meet your
payment obligations if something goes wrong. Unlike credit insurance, which was
developed to protect businesses against undue credit losses but does not cover
credit transactions between retailers and customers, payment protection
insurance is designed to help you keep up with a loan or credit repayment if
you are unable to work because you have become ill, had an accident or made
redundant in your current job. Most people use payment protection insurance to
cover financial commitments such as their mortgage, credit card payments or
loan repayments, thus making sure that you are able to cover these debts and
will help you in keeping out of debt if you do find yourself unable to work.</div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com0tag:blogger.com,1999:blog-2286296294907842831.post-18002979157957231452015-11-17T02:52:00.002-08:002015-11-17T02:52:55.516-08:00Would The “Snoopers’ Charter” Affect Your Health Insurance Premiums? <!--[if gte mso 9]><xml>
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Though it is still a draft UK bill, would such legislative
maneuverings eventually affect your insurance premium rates if your “city-state”
decides to adopt such laws? </div>
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<br /></div>
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By: Ringo Bones </div>
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<br /></div>
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Sometimes the rule of law can be a wonderful thing given
that most of them are legislated to protect us working class folks from the
alleged tyranny of “big government” and “big corporations”, but in this day and
age, political lobbyists – especially in affluent countries – more often than not,
wield powers that would allow them to legislate laws that could exploit the
working class. And the Draft Communications Data Bill – otherwise known as the
Snoopers’ Charter – though still a UK based legislative bill, could serve as a
template to be followed by powerful political lobbyists the world over to
legislate laws that could maximize their respective corporate interests’ profits
at the expense of their ordinary working class clients. </div>
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<br /></div>
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A case in point is when your health insurance provider suddenly
increases your insurance premiums when they managed to find out, via the “Snoopers’
Charter” or a law modeled after it because they can now data mine your search engine’s
history – especially if you searched for cardiovascular related health topics
during the last twelve months. Your health insurance provider could use your search
history or your “cyber-hypochondria” as a “valid reason” to jack up your monthly
insurance premiums. </div>
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<br /></div>
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Though the UK’s Draft Communications Data Bill or Snoopers’
Charter had been “championed” by UK Home Secretary Theresa May citing terror
attacks – i.e. the 7/7 Terror Attacks - and the “UK’s burgeoning online
paedophile scene” despite protests from various civil liberties groups across
the UK. Even though the retained data may only be obtained via top-tier
judicial warrants, various unscrupulous insurance providers could hire Black
Hat Hackers to snoop on your retained search data of the last twelve months to
spy on your “online lifestyle” and use it as an allegedly valid excuse to jack
up your insurance premium rates. </div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com1tag:blogger.com,1999:blog-2286296294907842831.post-12090733339258623492015-10-09T17:24:00.000-07:002015-10-09T17:24:52.820-07:00Insurance Firms: Most Exposed To Climate Change Threat? <!--[if gte mso 9]><xml>
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Even though it is projected to severely impact the world’s
poorest, are the fiscal impacts of climate change threat going to affect mostly
insurance firms? </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
By: Ringo Bones </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Even though it is the most pressing social justice issue of
the 21<sup>st</sup> Century given that it is the most affluent are creating the
problem, climate change severely affects the world’s poorest when it comes to
affecting livelihoods and degrading the habitability of communities. But form a
fiscal perspective, insurance firms will be the ones most exposed to the
climate change threat according to the Bank of England governor Mark Carney. A
case in point of insurance firms bearing the fiscal brunt of climate change risks
was the 2005 Hurricane Katrina that caused billions of dollars worth of damage. </div>
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<br /></div>
<div class="MsoNormal">
Insurance firms might be the most exposed to the risk of the
climate change threat but financial risk to fossil fuel extraction firms are
not merely trivial as well. Future legislation to limit the severity of the
impact of climate change could create fossil fuel extraction companies who can’t
sell and burn the fossil fuels they have currently access to. Chances are,
climate change – at least the preparations to be taken to lessen the severity of
its impact – will certainly remodel the global economy into something that’s
wholly different than its current form. </div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com0tag:blogger.com,1999:blog-2286296294907842831.post-48182012778759870922015-09-27T02:35:00.000-07:002015-09-27T02:35:30.729-07:00Can Your Health Insurance / Medical Insurance Provider Handle A Sudden Drug Price Hike? <!--[if gte mso 9]><xml>
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<![endif]-->With the sudden 5,000 percent price increase of an already generic
drug, is your health insurance / medical insurance provider have enough
contingency as to not leave you financially high and dry?<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
By: Ringo Bones </div>
<div class="MsoNormal">
<br /></div>
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Along with Big Coal and Big Oil Capitol Hill lobbyists, Big
Pharma is now one of the new symbols of corporate greed that causes unnecessary
misery of working class Americans and even people of the rest of the world. And
when the drug company Turing Pharmaceuticals recently acquired the license to
manufacture a 62-year old lifesaving drug that has since become a generic drug
called Daraprim and overnight raised its price by 5,000 percent from 13.50 US
dollars per tablet to about 750 US dollars per tablet, millions of people prescribed
by the drug are soon up in arms. Even though Turing Pharmaceuticals CEO Martin
Shkreli has since roll-backed the 5,000 percent price increase, many now wonder
if Big Pharma exploitation of working class patients are causing yet another
undue suffering. But is Turing Pharmaceuticals 5,000 percent price rise of a
lifesaving generic drug even justified? </div>
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<br /></div>
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Despite Turing Pharmaceuticals CEO Martin Shkrreli saying
that his decision for the 5,000 percent price increase of Daraprim is motivated
by altruism, anyone with a rudimentary working knowledge of economics compare
the move as akin to a luxury sport-scar manufacturer purchasing the rights to manufacture
a South Korean family sedan that used to sell for 6,000 US dollars each and
then increasing its price to 70,000 US dollars overnight. All of which only
highlights the problem of how corporate greed in America and their super-strong
lobbying powers at Capitol Hill is causing undue suffering of Americans and everyone
else on the planet. </div>
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Daraprim entered the pharmaceutical market about 62 years
ago as a treatment of the parasitic infection toxoplasmosis and has since been
priced as a generic drug. Given their compromised immune system, the main users
of Daraprim are HIV / AIDS patients who are easily infected by toxoplasmosis
and related infections in comparison to people with normal immune systems. Even
though Turing Pharmaceuticals has since roll-backed the price of Daraprim, does
your health insurance provider / medical insurance provider has the contingency
in its policy as to not leave you financially high and dry if such “Big Pharma
shenanigans” ever happens again? <span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"></span></div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com0tag:blogger.com,1999:blog-2286296294907842831.post-1540071461434595562015-08-16T03:55:00.000-07:002015-08-16T03:55:50.520-07:00Are There UK NHS Loopholes In European Health Insurance Cards?<!--[if gte mso 9]><xml>
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Right-leaning conservative British MPs may be appalled to
hear about this but are there “loopholes” that allow non-UK citizens to avail of
the UK’s NHS insurance benefits in their own country? </div>
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<br /></div>
<div class="MsoNormal">
By: Ringo Bones </div>
<div class="MsoNormal">
<br /></div>
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At present, the UK’s NHS is handing out five million
European Health Insurance Cards annually that allows Britons to charge
emergency treatment abroad back to their own NHS accounts. But to the dismay of
every right-leaning conservative UK MP’s with a beef against “welfare queens”,
cards are being given to any EU citizens who say they are living in the UK.
Even Eastern Europeans are using them in their home country to make NHS cover
costs which finally prompted Downing Street to order an investigation back in
Friday, August 14, 2015 into “completely unacceptable” revelations that foreigners
are billing the NHS for expensive healthcare they receive in their own country. </div>
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Under an extraordinary legal NHS insurance benefits loophole
of European Health Insurance Cards – or EHIC cards - carried by UK citizens,
migrants are able to charge the full cost of medical treatment in their home
countries to the UK’s NHS, even if they have never paid a penny of tax in Britain.
They do this by obtaining European Health Insurance Cards from the UK’s NHS
which are intended for legal British citizens to use in cases of emergency
while on holiday in EU member countries. </div>
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<br /></div>
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The cards entitle them to charge the NHS for the cost of any
medical treatment they might urgently need while overseas within Europe, But
the NHS is handing out more than five million of these EHIC cards for free
every year – and keeping no record on how many are given to non-UK residents –
i.e. foreigners. The cards are given out freely to any EU citizens who said
they are living in the UK even if they haven’t actually worked or paid any tax
there. </div>
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<br /></div>
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As the result of this UK’s NHS legal insurance loophole,
Eastern Europeans can obtain the cards, then return to their home countries and
use them to have medical treatment they would usually have to pay for – except for
this time it is now paid by the NHS thanks to their European Health Insurance
Cards. UK’s Health Minister Alistair Burt said it was “completely unacceptable”
that people who have never paid tax in Britain can charge the NHS for treatment
they receive in their own country. He said the government would “urgently carry
out more work” to investigate. Mr. Burt said: “This Government has already introduced
tough measures to clamp down on migrants using healthcare without making a
contribution, to save half a billion pounds within a few years.” <span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span></div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com0tag:blogger.com,1999:blog-2286296294907842831.post-3686567964043353172015-07-18T17:21:00.000-07:002015-07-18T17:21:52.242-07:00Should HIV Positive Persons Get Life Insurance? <!--[if gte mso 9]><xml>
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Given that death rates of HIV positive individuals have
fallen during the past few years, should they be given access to life
insurance? </div>
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<br /></div>
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By: <span style="mso-spacerun: yes;"> </span>Ringo Bones </div>
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<br /></div>
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The good news is, the death rates of persons who are
diagnosed as HIV positive have fallen by as much as 40 percent around the world
since 2005. The bad news is that there are still some insurance providers who
deny them life insurance. Since the 1980s, patients who are diagnosed to be HIV
positive have been denied access to fully underwritten traditional life
insurance. But as death rates in HIV positive diagnosed persons continue to
fall due to the advent of affordable and increased access to anti-retroviral
medication, life insurance underwriting for HIV positive diagnosed persons are
now available. </div>
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Ross Deerman, chef executive of All Life provides mortgage
and life insurance policies to HIV positive diagnosed persons / AIDS survivors during
the past few years in South Africa. During the past five years, death rates of
HIV positive diagnosed persons on the African content have fallen by as much as
58-percent but the stigma still remains on traditional insurance underwriters
not granting life insurance policies to HIV / AIDS survivors. All Life’s program
/ business model of giving HIV Positive persons access to fully underwritten traditional
life insurance has already spread to other countries with local All Life
branches. Maybe insurance providers should also offer healthcare packages
designed for lower income HIV positive persons that allow them greater access
to anti-retroviral medication. </div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com1tag:blogger.com,1999:blog-2286296294907842831.post-19367124070357572812015-07-18T02:18:00.000-07:002015-07-18T02:18:47.371-07:00Identity Theft Protection Insurance: Utterly Useless Rigmarole? <!--[if gte mso 9]><xml>
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<![endif]-->In the wake of the recent cyber attack of the US Office of
Personnel Management, should everyone avail themselves of Identity Theft
Protection Insurance?<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
By: Ringo Bones </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
With Mainland Chinese elite hackers of the Shanghai based Unit
61398 as the primary suspects, the recent large scale cyber warfare attack of
the US Office of Personnel Management that was uncovered back in the middle of
April 2015 and only later publicly announced back in June 5, 2015 that involved
as many as 21.5 million individual records were believed to be affected, many a
concerned government worker – in the United States and the rest of the world –
is now concerned enough to contemplate whether to avail themselves of this “Identity
Theft Protection Insurance” in order to protect their personal social security
records and related files from being stolen to be used for nefarious criminal
means. But does the “average government worker” really need Identity Theft
Protection Insurance? </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
It can be quite a nightmare for your typical government
employee if his or her employee job assignment, job review, and training data
were compromised by a hacker skilled enough to infiltrate such well-protected
electronic files, but can availing oneself of an Identity Theft Protection
Insurance really help? In reality, your average “layperson” these days is more
worried about fending off cyber-hackers than your typical street-level
pickpockets. Insurance companies are capitalizing on these fears by pitching
the digital-age equivalent of a can of mace – the “Identity Theft Protection
Insurance. But before buying such protection, experts are already warning
consumers that you should find out what that particular policy covers. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Experts say when your car is involved in an accident or your
house accidentally catches on fire, car insurance and homeowners insurance
covers the repairs. When an online fraudster drains your bank account or steals
your employment identity records, Identity Theft Protection Insurance doesn’t
replenish the money of your bank account that got stolen – your bank’s zero
liability policies should take care of that. Nor can some variations of
Identity Theft Protection Insurance – advertized as credit monitoring and
protection services – actually insulate your reputation from a catastrophic
hack. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
In actuality, purchasing an Identity Theft Protection
Insurance policy is like hiring a wedding planner. You can pay someone to call
florists and caterers and in the case of a hacked bank account – contact your
bank to cancel a card or do it personally yourself. In truth, Identity Theft
Protection Insurance policies are like “expense reimbursement programs” for
your hacked bank account than a typical old-fashioned insurance policy. <span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span></div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com0tag:blogger.com,1999:blog-2286296294907842831.post-17953004243427401952015-05-14T02:19:00.001-07:002015-05-14T02:19:18.369-07:00Solar Impulse: The Most Insured Aviation Pioneer?<div class="MsoNormal">
Given that previous aviation first are not known to be
insured, never mind the over 80 corporate backers, is the Solar Impulse plane
the most insured aviation pioneer?</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
By: Ringo Bones </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
As the aviation first du jour, the Solar Impulse – slated to
be the first solar powered aircraft to successfully fly around the world – is
not shy to tell the whole world that it is insured by Swiss Re during their
lengthy adverts in the History Channel and the Discovery Channel. While the
piloting skills and design expertise of Bertrand Piccard and André Borschberg seem to make the need
of any form of insurance policy kind of “redundant”. While the Solar Impulse
has over 80 companies backing it like Deutsche Bank, the Belgian chemical
company Solvay S.A. and the Swiss watchmaker Omega just to name a few, it’s
quite a contrast in comparison to the Wright Brothers first flight where they
virtually got none and so too does Charles Lindberg’s solo Trans-Atlantic
flight. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Swiss Re Corporate Solutions providing hull insurance,
aircraft liability and crew personal accident coverage for the Solar Impulse
could be seen as a first for a current aviation first for a solar powered plane
given that the Rutan Model 76 Voyager – which successfully flew around the
world near the end of 1986 – seems to be devoid of insurance coverage that we
know of. Probably the only “interesting” sponsor of the Rutan Model 76 Voyager
is the Don King Productions logo on the starboard side of the plane. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The terms of hull insurance vary according to the risk of
the classification covered. The hull insurance policy may cover a single vessel
or a fleet risk. Fleet insurance may cover a group of vessels under common
ownership or common operation. The determination of the premium charge for a
single vessel is simple as it is not difficult to rate an individual ship.
However, the rating problem may be difficult when a fleet contains both old and
new vessels and a single rate is required. In every marine insurance policy
there are three implied warranties. These are: 1) The vessel must be seaworthy,
that is, all parts and equipment of the vessel must be in proper condition for
a sea voyage, sufficient supplies and provisions must be onboard and there must
be an efficient and sufficient crew; 2) the venture must be legal; 3) the
vessel will follow its stated route without undue delays; that is, there will
be no deviation. </div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com2tag:blogger.com,1999:blog-2286296294907842831.post-56123795921875630422015-02-07T14:20:00.000-08:002015-02-07T14:20:08.634-08:00Insurance Companies Diversifying Into Real Estate: Deal Of The 21st Century? <!--[if gte mso 9]><xml>
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Given that a number of Chinese insurance companies have
already diversified into the real estate business with lucrative results, does
this move represent the “Deal of the 21<sup>st</sup> Century”? </div>
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<br /></div>
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By: Ringo Bones </div>
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<br /></div>
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As of late, a number of Chinese insurance companies had
diversified into the real estate / real property business during the past few
years with lucrative results profit-wise. As far back as October 2014, Hilton
Worldwide Holdings agreed to sell the storied Waldorf Astoria hotel to Anbang
Insurance Group Co. of China after Anbang Insurance offered a bid of 1.9
billion US dollars. But it is only during the last week of January 2015 that US
regulators gave the green light for the purchase. Anbang Insurance Group Co. sealed
the 1.9 billion US dollar purchase of New York’s Waldorf Astoria hotel, which
has been used by foreign dignitaries including Queen Elizabeth II. The Lloyd’s Of
London building has also been recently bought up by a top Chinese insurance
firm. </div>
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<br /></div>
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Chinese insurers have been drawn to European office buildings
because they are typically anchored by tenants with a 10-year leases and offer
yields as high as 5 percent. This compares to Shanghai offices where 3 to 5
year leases and 4.5 percent interest yields are typical. </div>
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<br /></div>
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“We consider high quality overseas property as a good
substitute for fixed income investment” says Hing-Yin Lee, a senior executive director
who manages overseas property investments for Ping An’s trust unit, told an
investor conference back in December 2014. “Core offices in prime locations not
only offer investors stable rental returns, the property prices may also go up
in a few years”. With such investment returns, it looks like insurance companies
diversifying into the real estate / real property business might as well be the
“Deal of the 21<sup>st</sup> Century”. </div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com2tag:blogger.com,1999:blog-2286296294907842831.post-88172724725278485112015-02-06T12:23:00.000-08:002015-02-06T12:23:31.953-08:00Chartered Life Underwriter: Recession Proof Employment? <!--[if gte mso 9]><xml>
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Given that “jobless recovery” is the new normal, is being a
Chartered Life Underwriter truly is a recession proof form of employment? </div>
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By: Ringo Bones </div>
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Even though recession has already “officially” ended in
America and yet jobless recovery has since become the new normal, it seems that
in every newspaper’s classified ads and online job search sites, Chartered Life
Underwriters seems to be in hot demand as of late. Given that it has a “claim-to-fame”
of being a recession proof form of employment, what is a Chartered Life
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Chartered Life Underwriters (CLUs) are a financial
professional designation for individuals who wish to specialize in life
insurance, estate planning and wealth transfer. The Chartered Life Underwriter
– as a designation – was first given by The American College of Financial
Services, also known as The American College, in Bryn Mawr, Pennsylvania,
U.S.A. </div>
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Technically, a Chartered Life Underwriter is a professional
who has passed examinations on taxation, insurance and investments. He or she
should also have planning experience with regards to life insurance. Chartered
Life Underwriters typically undergo ten courses, 3 years of relevant and
qualifying experience as well as the knowledge and obedience to the code of
ethics as provided to the Chartered Life Underwriter. The courses aim to
provide in-depth training that is concentrated on life insurance and personal
insurance planning. There is also an exam after the end of the courses. </div>
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<span style="mso-spacerun: yes;"></span><span style="mso-spacerun: yes;"></span><span style="mso-spacerun: yes;"> </span></div>
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Even though the region has a notoriety of being
“underinsured”, will the Asian region prove to be the new marketing frontier of
the world’s leading insurance providers? </div>
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<br /></div>
<div class="MsoNormal">
By: Ringo Bones </div>
<div class="MsoNormal">
<br /></div>
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The tragic November 8, 2013 super-typhoon Haiyan / Yolanda that
battered Tacloban, Leyte has highlighted the Asian region’s notoriety of being
underinsured, but if Prudential has its way, Asia might prove to be a veritable
growth industry for the world’s leading insurance providers. Given that a
majority of this region’s inhabitants can hardly afford the relatively
exorbitant premiums of top-tier insurance policies that cover climate change
related catastrophes, will the Asian region prove to be a new and lucrative
marketing frontier for the global insurance providers? </div>
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<br /></div>
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U.K. based international insurance provider Prudential plc,
which started in London back in May 1848 as The Prudential Mutual Assurance
Investment and Loan Association that provided loans to professionals and working
people has now provided their interim second quarter results for the year 2014
a few weeks ago showing that most of their profits and expected growth will be
in its Asian markets. At the moment, Prudential operates across 13 Asian
markets and is one of the Top 3 insurance providers in the Philippines,
Malaysia, Indonesia, Vietnam, Hong Kong, India and Cambodia. </div>
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<br /></div>
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Given the projected results showing that most of its
positive growth market will be in Asia, the insurance company is now focusing
its Asian market – as in its largest division in the name of Prudential
Corporation Asia. The insurance company’s 13-million clients are expected to
grow in the future, and most of the growth will probably be in Asia. Prudential
also owns Jackson National Life Insurance Company which is currently the
largest life insurance provider in the United States. Will Prudential now be
concentrating more on its Asian clients than its American and European ones? </div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com1tag:blogger.com,1999:blog-2286296294907842831.post-29389609550195630772014-06-05T06:12:00.001-07:002014-06-05T06:12:56.566-07:00Insurance Providers Without Borders, Anyone? <!--[if gte mso 9]><xml>
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<![endif]-->Given that the latest spate of climate change related
catastrophes affecting largely uninsured poor countries, should commercial
insurance based policies be made available to these people?<br />
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<br /></div>
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By: Ringo Bones </div>
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It is a quite a sobering thought that over 90 percent of the
surviving victims of Typhoon Haiyan that hit Tacloban City in Leyte of the
central part of the Philippines back in November 8, 2013 don’t have any kind of
insurance policy. A little over six months after the tragedy, a majority of the
survivors are still scrimping and saving their own hard earned cash to fix
their own homes and small business establishments since they don’t have any
insurance payouts to collect and use to fix their own homes damaged by the most
powerful typhoon on record so far to ever hit landfall. </div>
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Trevor Maynard of Lloyd’s of London says current models used
to predict disasters use historical data and the insurance company’s latest
actuarial studies have shown that hurricanes poses the greatest damage in terms
of payout costs when it comes to insurance policies tailored to meet latest
climate change related catastrophes. Given that the world’s major insurance
providers dismiss providing insurance services for the world’s poorest uninsured
since such business schemes are “not economically viable” from their
perspective, could insurance providing schemes based on Muhammad Yunus’
microfinance banking be a solution? </div>
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<br /></div>
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Even though various kinds of microfinance insurance schemes
already exists, creating one as a basis for a “insurance companies without
borders” that would provide insurance coverage of climate change related
catastrophes for the world’s poorest could solve the problem of typhoon and
flooding victims unable to start over after their homes and businesses,
livestock, farms, etc. are destroyed. Such solutions are likely to succeed
given that they are congruent to existing conventional insurance underwriting
schemes – except they are underwritten by a local microfinance banking scheme. </div>
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Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com0tag:blogger.com,1999:blog-2286296294907842831.post-6213504101150637622014-06-04T05:45:00.000-07:002014-06-04T05:45:03.241-07:00The Uninsured Mount Everest Sherpa <!--[if gte mso 9]><xml>
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Should the Nepalese government provide adequate insurance
for the Mount Everest Sherpas? </div>
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<br /></div>
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By: Ringo Bones </div>
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Given that it was the tragic April 18, 2014 avalanche that
shed light that probably all Mont Everest Sherpas are uninsured, the rest of
the world now wonders why the Nepalese government has failed to provide
adequate insurance to the Sherpas that assist foreign mountain climbers climb
the world’s highest mountain. After all, Nepal earns millions of dollars in
annual climbing fees from Everest alone. For the 2014 season, the Nepalese
government had issued climbing permits to 734 people including 400 guides for
32 expeditions. The world has now been speculating whether the millions paid in
climbing permits had been simply pocketed by Nepal’s political elites – rather
than being set aside as an insurance / compensation fund for Sherpas. </div>
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Immediately after the tragic April 18, 2014 avalanche, the
Nepalese government offered US$400 to each of the 13 victims’ families as a way
to pay off “funeral costs.” Unsurprisingly, none had been pleased by the
government’s offer. </div>
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The average annual income in Nepal is around US$700 – while
a Sherpa working for a typical 3-month season earns US$4,000. Despite earning
more than the average Nepalese, being a Sherpa is a hazardous profession – a
lot can happen to one hauling gear up a mountain for international climbers
waiting at the Everest Base Camp.<span style="mso-spacerun: yes;"> </span></div>
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Mingna Sherpa said in an interview:”We love the
mountains…but a mountaineer could climb in peace if he knew that his family
will be taken cared of if something bad happens to him.” Nepal’s Deputy Prime
Minister Prakash Man Singh said the government has been working to help the
Sherpas, but unless the Nepalese government establish an effective social
security for the Sherpas, international climbers could be put-off climbing
Mount Everest via the Nepalese side because the government has scant social
responsibility due to its inability to provide a well-underwritten insurance
policies for the Everest Sherpas. </div>
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<br /></div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com1tag:blogger.com,1999:blog-2286296294907842831.post-69424436984442939592014-03-20T06:36:00.000-07:002014-03-20T06:36:45.399-07:00Penis Insurance, Anyone? <!--[if gte mso 9]><xml>
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<br />
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The idea might seem like the proverbial red herring, but did
you know that Lloyd’s of London seriously considered underwriting such a
policy? </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
By: Ringo Bones </div>
<div class="MsoNormal">
<br /></div>
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Penis insurance might seem like something “to ballsy” for an
established insurance underwriter like Lloyd’s of London to even seriously
consider. But recently, they’ve almost underwritten one but at the last minute
pulled out of a recent “penis insurance promotion”. </div>
<div class="MsoNormal">
A Montreal based underwear company had recently planned to
offer a 50,000-US dollar penis insurance policy to its male customers ended up
as a “half-cocked” proposition. The Lloyd’s of London Penis Insurance Policy
literally goes limp because their actuarial analysts have doubts about its
long-term economic viability. </div>
<div class="MsoNormal">
<br /></div>
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Lloyd’s of London, the insurance market engaged to
underwrite the said policy, has decided to pull out of the promotion. And given
Lloyd’s practice of underwriting insurance policies whose actuarial figures are
either too mathematically vague or virtually nonexistent over the years, such a
move was deemed unprecedented. Although, Lloyd’s of London had been cautious in
the recent years on choosing which “novel insurance policies” to underwrite
given their declining profits due to recent catastrophic disasters like the
Japanese tsunami of March 2011, Hurricane Katrina and the BP Offshore Oil Rig
disaster of April 2010. </div>
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Montreal based UNDZ underwear recently announced during the
start of March 2014 that all men who purchase three or more pairs of UNDZ
underwear via the company’s website would get a Lloyd’s of London insurance
policy to be paid out if their sex organ becomes detached from their body. UNDZ
founder Bertrand Dore said the company had struck a deal with Lloyd’s Canadian
syndicate, La Turquoise, to offer the policies. Will it cover a situation akin
to that King Missile song titled Detachable Penis style mishap perhaps? </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A Lloyd’s of London representative told Huffington Post back
in March 18, 2014 that the UNDZ announcement was premature and that no deal was
ever confirmed. Bertrand Dore believes the insurance syndicate only decided to
disavow the policy after they saw a very graphic and not fit for general
viewing promotional video. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Lloyd’s of London has offered penis insurance in the past to
people like David Lee Roth back during his stint as a frontman for Van Halen
because his stage antics back then has always resulted in a near mishap of
penile dismemberment and of alarming regularity as well. But Bertrand Dore
suspects that Lloyd’s are just trying to build a more serious brand and that “penis
insurance” was just a “bit too ballsy”. <span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span></div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com4tag:blogger.com,1999:blog-2286296294907842831.post-81602473919984541992013-08-19T05:08:00.000-07:002013-08-19T05:08:01.466-07:00Risqué Sexual Activity Risk Insurance<!--[if gte mso 9]><xml>
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With the runaway popularity of E.L. James’ Fifty Shades of
Grey and almost everyone trying S&M bondage activity like it’s the heyday
of the late 1970s London Punk movement, will risqué sexual activity risk
insurance soon become an economically viable necessity? </div>
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<br /></div>
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By: Ringo Bones </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Maybe it was the runaway success of E.L. James’ Fifty Shades
of Grey and the weeks it hogged the New York Times’ Bestseller List that makes
almost everyone wonder these days of whether S&M Bondage sex had already
become mainstream in the bedrooms the world over. Or was it that episode of
American Dad having an insurance policy parody of “butt insurance” issued by
Darkstar Insurance aimed at accidents in the bedroom that might be the result
of rough S&M Bondage sex by inexperienced first-time practitioners. Or are
the folks at American Dad just “dadded” the concept and supposed “policy” of
the risqué sexual activity risk insurance. But given the media’s increasingly
positive portrayal of “alternative” sexual lifestyles, what’s considered
“risqué sexual activity” to folks who grew up during the Great Depression might
seem tame by those who grew up during the Reagan administration. </div>
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<br /></div>
<div class="MsoNormal">
Unfortunately, sexual activity norms during the time when
then US president Ronald Reagan and then US Attorney General Edwin Meese III
used millions of dollars of American taxpayers’ money to study the effects of
pornography only to find out that it isn’t that harmful and all that they have
to show for it is a 1,960-page big blue book that almost nobody reads anymore only
makes one wonder the difficulty of formulating an economically viable policy
for risqué sexual activity risk insurance – never mind formulating an
economically viable coverage scheme. Or what about marketing? </div>
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<br /></div>
<div class="MsoNormal">
It seems that risqué sexual activity risk insurance could be
marketed as a kind of “specialist coverage” insurance aimed at a very specific
market. Unfortunately, the move might hike up premium costs that the average
consumer might shy away from it despite of the benefits. The difficulties in
marketing and formulating an economically viable policy might be at first
difficult, but the potential rewards seems too irresistible to ignore.<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span></div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com1tag:blogger.com,1999:blog-2286296294907842831.post-24926926441645833532013-07-16T19:58:00.001-07:002013-07-16T19:58:25.443-07:00Will There Be A Handgun And Assault Rifle Attack Coverage For Teachers in America? <!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal">
With NRA president Wayne LaPierre’s proposal to have all
teachers’ in America arm themselves with concealable handguns in the wake of
the Sandy Hook Elementary shooting last year, will insurance companies soon
provide handgun and assault rifle attack coverage for teachers? </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
By: Ringo Bones </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The US Republican Party and the National Rifle Association
(NRA) might be now too beholden by the very profitable small-arms retail industry
in America to even look into the concept of “universal background checks” in
order persons with mental disorders can no longer just willy-nilly buy military
style assault weapons and then commit mass shootings like what happened in
Sandy Hook Elementary School in Newtown, Connecticut back in December 14, 2012.
Even though NRA president Wayne LaPierre suggested that the only viable
solution is for teachers and school administrators arm themselves with
concealable small-arms as a way of preventing such attacks in the future is for
most of us a leap in logic that goes beyond normal logic. Even though
politicians – especially those as conservative as the US Republican Party – are
only concerned with rhetoric that make them look good and private small-arms sales
in America that enriches their own bottom line, will actuaries tenured by major
insurance providers that care only about truthful data be willing to agree with
their conservative “Red State” vision of America? </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Sadly, actuaries care about truthful data – not conservative
rhetoric. As more schools in America consider arming their employees, some
school districts are encountering a daunting economic burden: insurance
carriers / insurance providers are now threatening to raise their premiums or
revoke coverage entirely. Looks like handgun and assault rifle attack coverage
for teachers in America or as a way to put it in another way, handgun attack
insurance and assault rifle attack insurance coverage for teachers in America
is now seen as “not economically viable” by most existing insurance carriers. </div>
<div class="MsoNormal">
During legislative sessions of the first half of 2013, seven
US states enacted laws permitting teachers or administrators to carry guns in
schools. Three of the measures – in Kansas, South Dakota and Tennessee took
effect back in the first week of July 2013. But already, EMC Insurance
Companies – the liability insurance provider for about 90 percent of Kansas
school districts – has sent a letter to its agents saying that schools
permitting employees to carry concealed handguns would be declined coverage. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The insurer’s letter explained to officials in Kansas: “We
are making this underwriting decision simply to protect the financial security
of our company.” The “ghost” of the Sandy Hook elementary School mass shooting
may have yet to be exorcised out of the consciousness of the American psyche,
but it looks like handgun attack and assault rifle attack insurance coverage
for armed teachers is a loosing proposition and not economically viable. </div>
Ringohttp://www.blogger.com/profile/09506068154852505840noreply@blogger.com0