Transcript: insurance presentation bussiness frinace risk, techniques these are some possible treaths and techniques to minimize financial loss some risk include, cash flow problems, unable to meet financial obligations, having to much debt. some ways and techniques to minimize financial loss can be having good insurance, bussiness insurance bussiness finicial risk and threats
Transcript: A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. Typically, life insurance is chosen based on the needs and goals of the owner. Travel insurance by: Bella Boatner Car Insurance Health insurance Renters insurance Personal property coverage, a typical component of renters insurance, may help cover the cost of replacing your stuff if it's unexpectedly damaged or ruined. That protection generally applies to certain risks (also referred to as "perils"), such as fire and theft, the Insurance Information Institute (III) explains. Life insurance Mortgage insurance Insurance presentation Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider. Mortgage Insurance is an insurance policy which compensates lenders or investors for losses due to the default of a mortgage loan. Mortgage insurance can be either public or private depending upon the insurer. Workers compensation Agricultural insurance Car insurance is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage: Property coverage pays for damage to or theft of your car. Crop insurance is purchased by agricultural producers, including farmers, ranchers, and others to protect themselves against either the loss of their crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities. In most situations,injured employees get workers compensation, no matter who was at fault for the injury Because these workers comp benefits act as a type of insurance, they preclude the employee from suing his or her employer for the injuries covered. Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or domestically.
Transcript: In my last four years at Bridger Steel Inc.. In my last four years at Bridger Steel Inc.. Dylan R. Wood Which is a trait that undoubtedly followed me in my many ventures as I've grown athletically, academically, professionally and spiritually. Growing up in the small mountain town of Dayton, Wy. I learned the value of having a strong work ethic at a young age, while working on my family's cattle ranch. And that with much practice come great skill.. And one that I feel would greatly assist in me excelling in my role here at True North Steel But at an early age I learned that with hard work comes much reward... Your Next True North Steel Territory Sales Manager I've lead in yearly gross sales 4 times Developed our Preferred Contractor Training Program Established and Maintained a large business presence in a local market. Won over 1,152 substitution requests on a wide scope Built an overall territorial awareness of our brand and what it is that we offer to the people that matter. Lead Bridger Steel to victory on our a606 material contract in the 2018 Menard's Rustic Steel Shootout. Developed over 2,200 new contractors as clients Taken over 132 contractors out of the RED and got them back into the GREEN. Early mornings and late nights were some of the sacrifices necessary to succeed in our industry
Transcript: 2. Price: Bharti AXA is a strong player in private companies and its price structure is highly competitive and reliable 3. Place: Branches at various locations. 4. Promotion: Tele-marketing Internet Hoardings Personal Selling Advertisement through newspapers, business magazines etc. 5. People: Motivated & customer friendly staff. 6. Process: From the minute customers claim intimation is received, the Claims Team becomes active and acts efficiently and swiftly towards its settlement. 7. Physical Evidence: Separate departments like Public Relation Department Brochures Internet / Web Pages Business cards Stationery Pricing: When we produce or generate services, it means intangible service product. An Insurance company sells services and therefore services are their product. In India, the Life Insurance Corporation of India (LIC) and the General Insurance Corporation (GIC) are the two leading companies offering insurance services to the users. Apart from offering life insurance policies, they also offer underwriting and consulting services. Understanding the customer better allows to design appropriate products. Being a service industry which involves a high level of people interaction, it is very important to use this resource efficiently in order to satisfy customers. The various employees involved in providing service to customers are: -Customer service representative -Marketing and Sales managers -Underwriters -Insurance sales agents -Actuaries -Lawyers -Customers The marketing of Insurance services with the aim to create customer and generate profit through customer satisfaction. Life insurance process: 1. Insurance agent calls up the customer about policies and prices, and fixes an appointment. 2. The insurance agent meets the customer and provides information and benefits of the policy. 3. The customer fills a Financial Review Form(FRF). Agent finds out financial condition of the customer so he/she can recommend policies accordingly. 4. Agent gives policies plans in detail to customer i.e. time interval of premiums, amt of premium etc. 5. Next appointment is fixed by agent and customer selects policy plan and submits neccesary documents. An average 12 days time is taken by the company to verify documents. 6. A reconfirmation is taken by the agent from customer that he/she agrees with the terms and conditions of the policy. 7. The insurance agent regularly collects premium from customer whenever premium becomes due. The channels of distribution are: A) Direct Selling: -Agents -Financial Advisors -Call Centers B) Partner Sellling: -Bancassurance -Postal Department -Selling through Corporate C) Electronic Data Interchange: Ex: LIC on Internet, Information on Kiosks, SMS In Netherlands, financial services firms provide an entire range of products including bank accounts, motor, home and life insurance and pensions. In India also, banks hope to maximize existing networks by selling a range of products. MARKETING —MIX FOR INSURANCE COMPANIES: INSURANCE MARKETING: Companies under Insurance sector: Product: 1. Products and Services: A)Retail Insurance: a. Motor b. Health B)Commercial: a. Fire b. Engineering C)Rural: a. Agricultural Pumpset b. Cattle Insurance Policy To overcome intangibility issue in insurance sector following physical evidences are used in insurance sector: -Policy Documents -Brochures -Reports -Renewal Notices -Business cards -Stationary -Offices -Employee‘s dress code 7 Ps of Marketing of Bharti AXA General Insurance: It is the combination of marketing activities that an organization engages in so as to best meet the needs of its targeted market. Place: Process: Bharti AXA General Insurance: It is a joint venture between Bharti, one of India's leading business groups with interests in Telecom, Agro Business and Retail; and AXA, world leader in Financial Protection and Wealth Management. People: Premiums: periodic payments usually monthly or quaterly by policy holder. Premium rates are decided. •Mortality (deaths in a particular area), average mortality for example - in age group of 25-30 years, the probability is two, but this would increanse for age group of 45-50 years. • Expenses: The cost of processing, commission to agents, are incorporated into the cost of installments and premium sum. •Interest: People would not be willing to put their funds to invest in insurance business if the interest rates provided by the banks or other financial instruments are much greater than the perceived returns from the insurance premiums. Ex: =Life Insurance: Life Expectancy, Medical History =Motor vehicle insurance: Multiple cars, Distance and amt. of driving, Location of your car. =Fire and Marine insurance: Type of building, Past Experience Marketing of Insurance Services THANK YOU Physical Evidence: Promotion: Introduction: The insurance services depend on effective promotional measures. Advertising: Newspapers & Magazines Internet - company websites T.V. ads Radio Hoardings Brochures Seminars and
Transcript: Consultant VS Brokers Pinetree Benefits is a highly specialized boutique benefits consulting firm. The difference between the two is substantial and has to do with the scope of services we provide and the overall philososphy in managing benefits. Brokers are typically transactional and product oriented where consultants look at the big picture and create an approach and strategy that addresses cost, benefit structure and continuity. How we manage benefits We are dedicated to educating the plan sponsor about how are industry operates and to the employees on how their benefits package truly works Our priciples are your contacts now and forever, we do not pass on servicing of the account after the sale is made. Pinetree customizes our services; Pinetree provides actuary work, auditors, technology and compliance services. We deliver whatever the client needs to be succesfull. We believe that to maxamize effectness it neccissary to begin preparing for renewels 120 days out. During this period the Principals of the firm will spend 80% to 100% of their time devoted to your account. Our professionals are held accountable How we manage benefits Renewal Analysis The first step in the process is reviewing the information that is provided by the insurance company with the understanding that negotiating based on the insurance companies rate development will not going to do you any good when attempting to negotiate a concession. Their data is going to support the rate increase they issued. Your consultant will have to have a level of knowledge that gives them the ability to request the correct data so we can develop the rate on our own and put our client in the driver’s seat. Competitive Data Once we have determined the actual cost of the plan we use the competitive bid process as negotiating leverage with the current carrier. Plan Design & Contribution The very last step in the process is making plan design changes. One key difference between brokers and consultants is they go straight to plan design or benefit design to find savings. Consumer Driven Strategy Slide 5 Pinetree benefits has implemented a strategy to help schools move employer sponsored plans to the consumerism model. This cost management strategy includes high deductible plans in conjunction with Health Savings Accounts. These plans are misunderstood and have been presented incorrectly and that is why they have not been getting a positive response. 1. Education plays a prominent role 2. Benefit design is carefully crafted 3. Payroll deductions for employees are substantially lower when compared to other health plan options offered There needs to be a tremendous amount of time and financial creativity committed to this process before implementation in order for this strategy to work effectively. Once the plan is offered, the employer will see a positive financial impact in the short term. That impact will continue to grow as employees voluntarily migrate to the higher deductible plans. HR Consulting Manage Disciplinary Actions and Advise (Principles) Develop Performance Management Programs Safety & Workers Compensation Recruiting & On Boarding PEO/ASO Services Payroll, Credential & Discipline Reaserch, Employee E-Services Advertising & Job Fairs Policy Development HR Policies & Procedures Employee Handbook Employee Orientations Compliance and Auditing Compensation & Benefits Competitive Market Salary Structure Association Sponsered Benefit Plans Pay for Perfomance Teachers and Staff Open Enrollment and Benefits Managment
Transcript: INSURANCE BY: JOHN IACONETTI Add Images or Videos Living Benefits vs Death Benefits 35 Years Old 6% 26% 34% What Are Our Options? Living Benefits: Disability Insurance Critical Illness Insurance Long Term Care Travel Insurance Death Benefits: Term Insurance Whole Life Insurance Universal Life Insurance LIFE INSURANCE LIVING BENEFITS DISABILITY CRITICAL ILLNESS LONG TERM CARE TRAVEL DISABILITY 35 Years Old $75,000/ Year 2% Inflation/ Year 65 Years Old $3,100,000 But I'm Covered Through Work Employee Needs Work Coverage Personally Owned Disability Plans: Regular Occupation Definition Benefits indexed to CPI Future Insurability Options 50% Return of Premiums Own Occupation for Professionals Most Importantly: They are portable and remain intact when in a new profession Click to edit text Question Time Contact Information
Transcript: ~Teen star driver ~Drive Wise ~Claim Satisfaction Guarantee ~your choice auto ~Vehical Discounts Farm Bureau of Dobson and Mt. airy. Automobile Disability Insurance Health Insurance Life Insurance ~insurance that proctects you from damage to your property such as fire theft and some weather damage ~Types of Coverage there are three types replacement cost pays the cost of replacing your property regardless of depreciation or appriciation Actual cash value provides for replacement cost will pay over the coverage limit if the the cost will pay over the coverage limit if the cost for construction have increased there are many representative must located in mt.airy. Tonda Phillips is an allstate insuarance agent Farm Beruea in Dobson is a a property insurance Insurance Presentation is a contract between an insured insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money the benefits in exchange for a premium, upon the death of the insured person. Protection policies and investment policy NC-farm Bureau in dobson has this available insurance Property Insurance ~Insurance against the risk of incurring medical expenses among individual ~By estimating the overall risk or health system expenses,among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll ~NC Farm Bureau Mt.airy NC Has 3 branches If covered by a voluntary the provisions of this sight pretain to the state plan voluntary plan. Privile plan. If covered by a voluntary the provisions may not apply to you ~benefits- social security disability Insurance pays to benefit you Farm Bureau In Dobson
Transcript: Why is insurance important? Features of Health Insurance Health Insurance Types of Health Insurance Coverage Types of Heath Care coverage include Health Maintence Organization(HMO) Preferred Provider Organizations (PPO) Point Of Service (POS) What is insurance? Insurance, no matter whether it is health, life, car insurance is, "the act, system, or business of insuring property, life, one's person, etc., against loss or harm arising in specified contingencies, as fire, accident, death, disablement, or the like, in consideration of a payment proportionate to the risk involved."(dictionary.com) Insurance Presentation By: Anastasia & Isaiah Insurance is important because it protects people from major finachial loss or responsiblity beacuse of emergencies. Situations where Health Insurances do not cover are Travel Vaccines Cosmetic Surgery Nursing home care Weight loss surgery Preventative tests What doesn't Health Insurance Cover? To conclude, health insuance, along with every other type of insurance is a very important aspect of someones life and health insurance is something that everyone should invest in. Conclusion Health insurane is a specific insurance that covers the costs of an indivuals medical and surgicial expenses. Depending on what kind of medical problems someone has and how good of insurance you have, your insurance may cover all or majority of its expenses. Health insurance can cover the costs of Emergency room trips prescription drugs Meical tests before and after care of your baby lab tests Pictures
Description: Rise way above the stacks and stacks of two-dimensional paper resumes on the hiring manager’s desk with a Prezi resume template. Simply personalize this Prezi presentation template to create your very own “Prezume” and impress them with your dynamism, originality, and cool.
Description: For grant requests, funding pitches, program proposals, or any other kind of education or nonprofit presentation, this Prezi template is the way to generate interest and momentum. Like all Prezi education templates and Prezi nonprofit templates, it’s easily customizable.
Description: This customizable, colorful Prezi presentation template makes creating and sharing lesson plans simple, clear, and engaging. The friendly, board game-inspired theme provides a clear path for organizing subjects, assignments, exams, and more.
Description: For program proposals, grant requests, or any other nonprofit or education presentation, this beautiful world map-inspired creative Prezi template will engage and captivate your audience. All Prezi education templates and Prezi nonprofit templates are easy to customize.
Now you can make any subject more engaging and memorable