The Future of Business Insurance in Greece

The Future of Business Insurance in Greece

Strengths of the following greek insurance market. "The economic side" Although the official figures of the Greek economy appears to be weak, the real wealth and cash flow in Greece because of '"economy" can not be neglected and unnoticeable. Political corruption is one of the reasons why hundreds of thousands of Greeks to make money, tax free. Retail is the second reason. Greek is an IRS tax problems faced by retailers. The number of retail stores compared to the largest population in Europe, in Germany, for example, are stored on a per capita is 50 in Greece is one of the residents is 10 per store.




 The third reason comes from hundreds of thousands of professionals who practice their profession is scientific or technical. Doctors, lawyers, accountants, engineers, as well as a plumber and electrician painter g ฟ other workers. Many of these experts in one way or another to make managing their money to raise money for their services without having to sign a receipt that can be taxed. This wealth can be seen everywhere. The restaurants are fully booked most of the night of the week with a peak during the holiday will be observed that it is almost impossible to find a table for Sunday dinner or lunch Stores with expensive cars and travel, make sure that the Greeks do a lot of money and spend a lot of money. In this environment it is hard to believe that 75% of living Greece no longer has any kind of insurance for a house fire or earthquake. Like hundreds of thousands of stores. Similarly, life insurance is not in Greece, regardless of the fact that insurance companies operating in Greece for over 40 years! Average size of the current policies in force in Greece is less than 5,000 € It is estimated that the research done by Morax corporate training and training administration also publishes a monthly "Marketing Science" magazine, which shows that more than 500,000 Greek family can afford to pay anywhere from € 2,000 in order. Turn the € 5.000 € 100,000 a year for a policy that are profitable, well-known, but the company has always sought to take advantage of this market in an organized manner.






 Marketing of life insurance and accident, not in Greece, regardless of the status of the five national insurance companies. They are all based on a system of units sold almost exclusively to medical plans and pension plans to their individual unit linked products and freelance brokers do more than car insurance. In short, wealth is here and so are the demands of life and damage. Who decided to explore the possibility of Greece, Morax willing to verify the specific information. Almost all companies that suffer from medical plans and the cost is very low prize. The political advantage of being dispersed among the Greeks, most of the wealth created by the voters of both major political parties to vote in favor of them, one by one, family by family. Once they are in government with all kinds of people "special rights"! These are the voters, nearly 75% Considering the 500,000 families that are the bread winner as a professional with his service fee and the daily wage of a few hundred dollars, is "not normal" strange as it sounds, and the corruption of political management. to spread the wealth of Greece is more powerful than any other Those of the government make millions more secure. But make sure that other people are happy ... ... Want an example? A second-line managers in large state-controlled insurance companies have accepted early retirement to 50 years for ... € to 3500 € 1000000 trend on salaries and pensions! W and K and n - s s and -. State regulatory agencies can not work because of corruption in politics. The current government is more likely to lead the industry in order to continue, foreign insurance companies operating in Greece are wondering what will soon be improved. It 'interesting to note that the new regulatory body (Epeus), established under the apparently more effective control in insurance companies, largely funded by a consortium of insurance companies ... and will be They named him as an independent body.

The government is not "nail" the company. Only a small company that was set as the mean and a private company that does not have a "powerful friends"! Lack of supervision of the State over the past 40 years has allowed a number  of large operators. (Private and state-owned) companies to manage their motivation clear. misrepresent. Back and a lot of channeling funds to the richness of their staff, hundreds of companies from the coast were set up around the world in which is recorded in cash, and it is up to correct some of his own. State property for hundreds of millions of euros over 30 years, was dismissed from what had been disclosed to the public. The same is happening to individuals to buy property in the area that is about their legitimacy, it is difficult to establish. With the update of the value of a hundred or a thousand times, they are offering free property, especially real property is a legal reserve,  Agencies to accept declaration of an insurance company There is a special law to allow insurers to invest their reserves in subsidiaries that are not listed

Prudential Financial PRU stock prediction 2015

Prudential Financial PRU stock prediction 2015 ; Prudential Financial Inc. (PRU), the second-largest life insurer in the U.S., said it expected to earn between $7.50 and $7.90 a share next year, an increase over 2015, driven in part by growth in existing units and the completion of previously announced deals. 

Analysts polled by Thomson Reuters had been predicting operating earnings per share of $7.88 next year on average. Prudential has earned $4.43 per share through the first nine months of 2015 and analysts so far expect $1.75 in the fourth quarter. The earnings guidance was disclosed in a slideshow included in a regulatory filing in advance of Prudential's third-quarter conference call, where executives plan to discuss their outlook for 2015. 

The company, which announced a 10% dividend increase, said it would end the year with "readily deployable capital" of $1.2 billion to $1.5 billion. Share buybacks were one driver of 2015 earnings growth listed by the company in the slides. Prudential also predicted operating return on equity, another measure of profitability, would rise to 12.2% to 12.8% in 2015. 

The company's operating return on equity was 10.2% through the first nine months of this year. The earnings-per-share outlook for next year assumes that interest rates, which have damped returns in investment portfolios across the insurance industry, will stay low. It also assumes the company will complete a previously announced acquisition of a life-insurance business from Hartford Financial Services Group Inc. (HIG) in the first quarter and a large pension transaction in the fourth. 

The tentative model also predicted the price would grow in the first half of 2015 to $52. Therefore, we foresaw a negative correction in March-April. The actual price started to fall in the beginning of May and the monthly closing price for May was at the level of $45 per share. The updated model, as obtained with new data between March and October 2015, predicts a healthy growth in the price in 2015Q4. In January 2015, the price may reach the level of $64. On November 20, the closing price was $50.78. There is some potential of a 10% to 15% return at a three month horizon. One may consider PRU as an investment idea at this horizon.

The model has been obtained using our concept of share pricing as a decomposition of a share price into a weighted sum of two consumer price indices. The intuition is clear - there is a set of goods and services which any company produces and this set defines the share price evolution of a given company relative to other companies.

These other companies are also driven by prices for some goods and services. Hence, for a given company one needs two defining sets of goods and services to estimate its relative pricing power - one related and one as an independent reference. Thus, the relevant stock price can be defined by two CPIs which include corresponding goods and services.

Many SA readers have reasonable doubts that some consumer price, which is not directly related to goods and services produced by a given company, may affect its price. We allow the economy to be a more complex system than described by a number of simple linear relations between share prices and goods. The connection between a firm and its products may be better expressed by goods and services which the company does not produce or provide. The demand/supply balance is fragile and may evolve along many nonlinear paths. It would be too simplistic to directly define a company price only by its own products.

Originally, we addressed the PRU model in 2015 and found two CPIs explaining the monthly closing prices of PRU since 2003. They were the consumer price index of food and beverages (F) and the index of transportation services (TS). The defining time lags were as follows: the food index led the share price by 5 months and the TS index led by 4 months:

PRU(t) = -6.09F(t-5) - 3.15TS(t-4) + 59.76(t-1990) + 930.50, September 2015

In 2015 and 2015, we revisited the original model and estimated new coefficients and lags. These estimates were close to the original ones:

PRU(t) = -5.45F(t-5) - 3.98TS(t-3) + 59.66(t-1990) + 1055.38, September 2015

PRU(t) = -5.14F(t-5) - 3.80TS(t-4) + 56.20(t-1990) + 1005.63, February 2015

Here we revisit the model. We have borrowed the time series of monthly closing prices of PRU from Yahoo.com and the relevant (seasonally not adjusted) CPI estimates through October 2015 are published by the BLS. The best-fit model for PRU(t) is as follows:

PRU(t) = -5.09F(t-5) - 3.67TS(t-3) + 55.44(t-2000) + 1531.31, October 2015

where PRU(t) is the PRU share price in U.S. dollars, t is calendar time. One can conclude that the model has not been changing since January 2015 and thus provides a good estimate of the price at a three month horizon.

Figure 1 displays the evolution of both defining indices since 2002.

Figure 2 depicts the high and low monthly prices for a share together with the predicted and measured monthly closing prices (adjusted for dividends and splits). The predicted prices are well within the limits of the high/low share price which might be considered as the actual price uncertainty.

The model residual error is shown in Figure 3 with the standard deviation between July 2003 and October 2015 of $6.01 ($5.58 in March 2015).

Source ref:

http://online.wsj.com?mod=djnwires

http://seekingalpha.com/article/1024801-prudential-financial-may-rise-to-64-in-january-2015

pru shares prices 2015, pru stock prediction 2015, pru eps estimates 2015, pru earnings per share 2015, earnings-per-share outlook for next year 

insurance home inspection

insurance home inspection

What would be the perfect backdrop? Ideally, a combination of experience in the construction, education, training, recognized the shortcomings and working on the field to provide the necessary background.



 The more professional, ideally looking for candidates from the relevant trade or professional occupations. The people realize that a combination of education, formal and direct experience in the field, the best career for reasons that are not limited to certification of professional engineers and licensed to the recipient. for granted. But a combination of both types of basic operators of production, the best known. University-level of formal education may include engineering, architecture and construction management a plus. Strong interpersonal and communication skills are essential in this business. You can be the best technicians in the world. But if you can not communicate effectively, you will receive a small service to your customers. Examined in the future should have a strong technical background to begin with, before you consider a professional home inspection, or career change. They have good skills and good communication is necessary. (Verbally and in writing), as they are required to report on and describe the results of their research to their clients properly. Home monitoring should also be aware of current health and safety issues and be trained in "perceived deficiencies" areas that are very specific and critical to this work. They must also acquire knowledge through the field. Many people tend to train or in the shade with a "professional expert" before their practical experience is often difficult to obtain and often not covered or provided by a training course, a lot. There is no substitute for hands-on experience in the practice of the profession is. 



   







 These provincial associations, while independence is generally carried out under the auspices of the Canadian Association of Home Inspectors (CAHI - also known as CaHPO - Canadian Association of the house and inspect the property) and they have created. the "standard practice" and "ethical code" for them. Which is standard for the industry. Associations to their members to upgrade to meet the continuing education to ensure that they are aware of the current problem in the industry. These associations are the professionals who have met all their properties. To be nominated a candidate must receive a number of features of "credits" that will make the study of field experience, the minimum number of checks for payment and a written report, which is straight. standards of practice of the  'Association.Chaos ... in order to verify the control or not. Canada continues to be monitored at home as a whole, and all people of every background can basically "hang out a shingle" as a home inspector. Many experts and training to ensure that there is hope for the intervention of governments, national standards of practice and self-control in order to alleviate this problem in the near future. Often these decisions are not well trained by the "who" made sure that the financial impact on consumers. When this happens, consumers will have little or no recourse left to compensate for the loss of them. This is how a person can often give a bad name. In Canada, a provincial association that has trained many professional experiences, often with the construction engineering, architecture or related products. These individuals have received special training and testing to verify that the "perceived deficiencies" They also have expertise in various health and safety issues. There is also a requirement for the successful application of the field and in practice

Market Research Australia Insurance Report 2015

Market Research Australia Insurance Report 2015 ; As was the case in our 2015 Annual Report, it is the strengths of Australia's insurance sector that stand out. In most countries, wealth management is an ancilliary activity that is undertaken by life insurers or commercial banks. In Australia, the development over nearly 30 years of the superannuation (pension) fund industry means that wealth management is a core business. Moreover, the superannuation funds, with their roughly AUD1,400bn in assets under management (AUM) continue to grow. They are fed in part by contributions from employers on behalf of employees that are determined by the Superannuation Guarantee (SG) Levy rate. Currently 9% of employees' income, this will rise to 12% by mid-2019.

In the short-term, though, the insurers are responding to a number of changes that have been imposed by the regulator and the Treasury. APRA's Life and General Insurance Capital framework will become effective from the beginning of 2015. Broadly analogous to Solvency II in Europe, it has required all insurers to implement some operational changes. However, both the non-life and the life companies are well capitalised and will be able to cope. For the life insurers, the Stronger Super and the Future of Financial Advice (FoFA) reforms will intensify the downwards pressure on fees and prices. However, over the longer term, they will probably improve the perceptions of the insurance/ wealth management industry in Australia of consumers/investors.

In the recent past, the leading life insurers have been consolidating already strong market positions by exploiting brands or making acquisitions that reinforce their offerings in particular, usually quite rapidly growing areas. Foreign life groups are competing in Australia, but are tending to focus on niches where brand and (established, multiple) distribution channels are less important.

Australia's world-class non-life companies were heavily exposed to natural catastrophes in Australia, New Zealand and elsewhere in early 2015. Given their broad portfolios, they have since been exposed to higher reinsurance costs. However, almost all the non-life companies have been able to achieve (near) double-digit premium growth in H112 relative to H111. Combined operating ratios have generally improved quite dramatically, in part because of the strengthening in prices and rates and in part because of lower claims. Underwriting has been characterised by discipline in a market that is competitive, but which is sufficiently large that a number of players can focus on profitable niches. Meanwhile, QBE, Australia's leading multi-national insurer, continues its overseas expansion by way of acquisition. IAG, for its part, has already developed a substantial commercial footprint elsewhere in the Asia-Pacific. View Full Report Details and Table of Contents

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U.S. Title Insurance industry outlook 2015 by Fitch Ratings

Best Insurance Stock - U.S. Title Insurance industry outlook 2015 by Fitch Ratings : Fitch Ratings maintained its stable rating outlook on the U.S. Title Insurance industry. The outlook reflects a belief that rating actions for the industry will on balance approximate current levels over the next 12 - 18 months as financial performance has improved recently and capital levels remain adequate based on several measures.

A new special report '2015 Outlook: U.S. Title Insurance Industry.' published today highlights key factors affecting title insurer ratings, reviews financial performance in 2015, and assesses industry prospects for 2015.

Operating profit margins on a GAAP basis for Fitch's title universe rose to 10.3 percent in the first nine months of 2015 versus 6.1 percent in the prior year. Earnings improved for all underwriters, but larger players First American Financial (FAF) and Fidelity National Title (FNF) posted the highest margins. Title revenues through nine months 2015 increased by over 15 percent as refinancing activity exceeded expectations and housing markets stabilized. The period's 90.7 percent underwriting combined ratio reached levels unseen since 2006, as growth reduced expense ratios and claims experience improved as well.

The title insurance industry is benefitting from an improving housing market that is showing less home inventory and increasing home prices nationally. According to the National Association of Realtors (NAR), US housing prices rose in 2015 with many markets showing year-over-year home price growth for the first time since the beginning of the housing crisis. Economists attribute the price increase primarily to reduced housing inventory and, to a lesser extent, fewer homes sold in distress.

The Mortgage Bankers Association of America (MBA) forecasts mortgage originations to decline to $1.3 billion in 2015 and just over $1 billion in 2015, compared with $1.7 billion in 2015. The drop is driven by a projected material decline in refinance activity over the next two years, which is expected to be somewhat offset by greater purchase activity.

Fitch continues to view the industry as adequately capitalized, although individual company capital strength varies considerably. Fitch's view is based on both a non-risk adjusted approach such as net written premiums to surplus and a risk adjusted approach via Fitch's Risk Adjusted Capital (RAC) model.

The report '2015 Outlook: U.S. Title Insurance Industry' dated Nov. 26, is available at 'fitchratings.com' under 'Insurance' and 'Special Reports'.

Prospect Investing in Life Insurance Policies 2015

Best Insurance Stock - Prospect Investing in Life Insurance Policies 2015 , How Investing in Life Insurance Policy 2015 : Are you adequately insured ?  Let this question be asked by every adult income-tax payer in his family. I would like every tax payer to take care of securing his family during the year against  calamity.  One of the best way to protect the family is to adequately insure all the family members. 

It is time now for you not just to count your Life Insurance Policies for different members in the family but to sit down and ponder whether all the family members are adequately insured.  In most cases I am sure the answer that will come in conclusion would be that most of the family members are not adequately insured. 

Many people avoid investing in life insurance simply because they imagine the costs as being too high for their budgets. Fortunately, there are a wide variety of insurance policies available for every set of needs and budgets. Insurance providers provide death benefit payouts ranging from as little as a few thousand dollars all the way up to a few million. Most providers offer more affordable term life insurance policies—term policies have low premiums and payout death benefits for the duration of a specific period.

If low premiums aren’t a priority, the majority of life insurance providers feature coverage plans that accumulate cash value over the life of the policy. With universal and whole insurance it is possible to configure lucrative benefits packages that payout death benefits and can be cashed out or borrowed against like equity.

Hence, during the year 2015 please take a call to answer the question whether you and your family members are adequately insured.  Do not forget to take an insurance policy for your dear loving daughter too. 

What to Look for in a Life Insurance Policy

Policy Benefits

All insurance policies are different. We evaluated insurance providers largely on the variety and flexibility of the life insurance policies they offer. From five year term life insurance to variable universal policies, our leading picks for life insurance providers provide comprehensive coverage for every set of needs.

Pricing and Premiums

Premium payments are going to be different with different providers depending on risk factors such as your health, lifestyle, age and occupation. In general, insurance providers receiving a high score on our site gave more lucrative quotes than competitors regardless of age or lifestyle.

Additional Services

Life insurance is a must, but there are many other services we expect to see available in addition to, or as an alternative to, life insurance. Annuities, retirement planning, estate planning, mutual funds and plans tailored for small business are services we expect from the best providers.

Customer Support

Red tape and poor customer service are the last things a grieving family member wants to deal with. Our top picks for life insurance provider boast excellent customer service, approach claims in a timely and professional manner and go out of their way to meet customer expectations.

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Travelers Companies (NYSE: TRV) stock rating by thestreet ratings

Best Insurance Tock - Travelers Companies stock rating by thestreet ratings : The Travelers Companies, Inc. (TRV) is a holding company. The Company, through its subsidiaries, is engaged in providing a range of commercial and personal property and casualty insurance products and services to businesses, Government units, associations and individuals., reiterated their buy rating on shares of The Travelers Companies (NYSE: TRV) in a research report sent to investors on Friday morning.

TRV has been the subject of a number of other recent research reports. Analysts at RBC Capital upgraded shares of The Travelers Companies from an outperform rating to a top pick rating in a research note to investors on Monday, December 17th. They now have a $87.00 price target on the stock, up previously from $85.00. Separately, analysts at Sanford C. Bernstein reiterated a market perform rating on shares of The Travelers Companies in a research note to investors on Thursday, December 6th. They now have a $77.00 price target on the stock. Finally, analysts at Zacks downgraded shares of The Travelers Companies from an outperform rating to a neutral rating in a research note to investors on Monday, November 26th. They now have a $75.00 price target on the stock.

The Travelers Companies traded down 0.17% on Friday, hitting $71.70. The Travelers Companies has a 1-year low of $55.86 and a 1-year high of $74.70. The stock’s 50-day moving average is currently $71.43. The company has a market cap of $27.350 billion and a price-to-earnings ratio of 10.25.

The Travelers Companies last announced its earnings results on Thursday, October 18th. The company reported $2.22 earnings per share for the quarter, beating the analysts’ consensus estimate of $1.54 by $0.68. The company’s quarterly revenue was up .4% on a year-over-year basis. On average, analysts predict that The Travelers Companies will post $5.53 earnings per share for the current fiscal year.

To view TheStreet’s full report, visit www.thestreetratings.com

Type of Life Insurance Products

Type of Life Insurance Products

Human lives are at risk of death and disability due to natural causes and accidents. When you lose lives or disabled persons who have temporary or permanent loss of income to the family. The family is at the origin of the difficulties. Sometimes it's survival is at stake for their dependents. Risk, uncertainty, death / disability can occur when you least expect it. An individual can protect himself or herself through the lives of those obligations.



 Life insurance is an insurance man. Even if human life is not worth funding may be required depending on the loss of revenue in recent years in the future. Therefore, the amount of insurance on the life assured. (Or the guaranteed sum to be paid in case of losing it), is through the 'performance' in case of life insurance. Life insurance products, providing the exact amount of money to the dependents of the insured if the insured dies during the period of life that his work will be credited to the account on or off. The incident led to the reduction / complete loss of his earning a profit.






Each can also protect the life of him when he ended up being no other means of income - to buy an annuity.
 There are a number of life insurance products that offer twice the protection and savings.
 Long-term insurance products for a fixed amount of money on death during the term of the contract.

 Whole life insurance products offer a fixed amount of money on it.
 Insurance products are donated to a fixed amount of money, or death during the term of the contract or expiration of the contract, if the life assured survives.







 Insurance products for an amount that would not only. But that is due on the date specified in the contract period. The entire amount is expected to die during the term of the contract.

 Annuities with a series of monthly payments on the trust that life has existed on the date specified.The products are not only linked to. However, a fixed sum of money to death. The amount of money that has been linked with a fundamental value of the assets in need.





 There are rural people, actors, movies and unorganized workers; There are a variety of insurance products to meet the needs of different types of children, youth, middle-aged woman to older ones.Life insurance can be purchased by insurance companies registered with IRDA notified the insurer to appoint insurance agents to sell their products. Public who are interested in buying life insurance should be introduced as an insurance agent / insurance company may choose to make the right product to meet the financial needs in particular.Thus, life insurance policies offer protection and security to families and give pleasure to local communities