clients detect reduction companies and insurance brokers. A reduction of customers and policyholders, the result of the enactment of the Insurance Activity Act, passed two months ago National Assembly of Venezuela, have detected both the insurers and insurance brokers.
Aristimuño The information processed by Herrera and Associates, shows that the president of the College of Insurance Producers Caracas, Luis Pineda, said that there are even large companies have stopped issuing health insurance policies while waiting for the rules of the new law, to fit your parameters. Among the most affected contracts are those relating to health and vehicles, which together account for 70 per cent of insurance premiums in the country. Today
many Venezuelans worried about the investment in their vehicles keep their policies, to keep the old and continue to build on the financing offered by some companies, said Pineda. Warns that people are concerned about protecting and safeguarding assets like the car. The owners know that this is a capital that is rolling and that we should support, even by covering the damage allegedly biased.
For its part, the Chamber of Insurers of Venezuela reiterated its concerns, to the effect that implicitly brings the law in question which in his opinion contradicts Article 86 of the Constitution of Venezuela.
The new rule does not provide a universal scheme, compulsory contributory so that eventually the law that established a system is unbalanced, where there is no solidarity between the components because in this scheme to ensure the option is voluntary, so that young people bring to the elderly and do not contribute to healthy patients.
this viewpoint only would ensure the sick and elderly people, which would result in the price of policies to increase to the point of being unaffordable for healthy Venezuelans and young people, who tend to forecast sure, the note warns Herrera y Asociados Aristimuño
Insurers and Insurance Producers met ordinances.
On Tuesday, within hours of the morning, the Mayor of Caroni through the Office of Tax Regulation induction gave a talk to the people working in insurance companies in the area, as well as corridors insurance, in order to explain the procedures required to comply with the process of income tax return Fiscal year 2009-2010.
Carlos Pacheco, a representative of the Association of Producers of Insurance Chapter Bolívar, under the restructuring committee is doing at school in the area, explained that the event is to make this guild know the information on municipal taxes is asking the mayor to all insurance producers in the city, a situation that requires a lot of information, given the circumstances prevailing at the guild, it believes that it should cancel the tax unless they merchants, but advisers in the recruitment of their insurance policies.
So far the union representatives are filing an appeal with the Supreme Court of Justice to rule on whether they correspond or not the cancellation of the tax. Additionally
explained that their incomes are the result of comisiones que les pagan las aseguradoras a ellos por ejercer sus servicios, más explicó que la alcaldía les indicó que sólo con la sentencia del tribunal es que se podrá exonerar a estas personas de los impuestos municipales.
Registro de asesores
Explicó Pacheco que en Ciudad Guayana se tiene un registro de 150 asesores de seguros inscritos en el colegio, pero existe un aproximado de 400 profesionales que están ejerciendo esta actividad sin estar inscritos en el Colegio, razón por la cual aprovechó la oportunidad para invitarlos a acudir al colegio para proceder a inscribirse en el mismo y con ello poder tener un mejor registro de quienes prestan este servicio en la ciudad and the state.
Meanwhile Raul Mora in his capacity as head of municipal revenues, was commissioned to make the induction speech for producers attending the conference, explained that this activity is framed in the month of declaration of gross income began the first of November and closes the last of it, train journey seeking taxpayers so they can access the system via a web page to make their statements.
to date have given talks at the Chamber of Commerce, Asocomercio San Felix, College of Public Accountants, today it was up to insurance companies and will continue with a list guilds and organizations that have requested talks induction in order to know in detail the processes required to fulfill this duty tax has with the municipality.
recalled that the fiscal year to declare for this year is initiating the first of November 2009 to October 30, 2010 and a series of requirements that can be displayed on the portal, which provides the ratio of gross income in detail by month, the solvency comprehensive patent includes being solvent, for advertising, cleaning, Hidrobolívar solvency and solvency of property.
also be taken into consideration what has been paid during this tax year, withholding too, so there is no double taxation as you have completed the process should print three copies and go to any of the 11 tax collection offices deployed in the city.
The tax service offices are located in Patrol Caroni, C. C: Orinokia, Sao Tome IV CC, CC Clover III, Head of the Chamber of Commerce, Passenger Terminal Puerto Ordaz, San Felix Passenger Terminal, Alta Vista City CC I, CC Ikabarú, City Hall and from Monday 15 and until end of month will be operating a revenue collection center at the headquarters of the Institute of Chartered Accountants of Guyana, and work during office hours from 8:00 to 11:30 am and 1:00 to 4:00 pm
"sure" the future with a policy.
In good times can be very wasteful or a little more cautious about the future. And speaking of caution is forecast to discuss possible events that involve physical risk or equity. With extraordinary revenues and profits should meditate on the acquisition of an insurance policy, especially those that look indispensable in Venezuela, such as the health or theft.
According to the Insurance Chamber Venezuela, 36% of the policies taken out in the country are safe to hospital groups, 33% are car insurance, and almost 9% are individual hospitalization insurance. Clearly the tendency for people is to these segments.
For those wishing to recruit family health policies, there are basically two types: those for hospitalization, surgery and maternity (HCM) and hospitalization and surgery (HC). For a family of 4, a policy can boot from the B 9 000, with such basic coverage as protection against medical expenses or hospital outpatient expenses for illness or accidents, and includes concepts such as hospitalization, surgery, maternity (optional), outpatient treatment, serious illness, or excess coverage. As a supplement, can provide dental or vision services, among others.
Other types of insurance products available are the "Home Care Coverage," designed to cover health care in the home of the insured when not required patient transfer, and "daily rental coverage for hospitalization, which guarantee to secure payment of a fixed value every day you are hospitalized for illness or accident during the course of the coverage. This policy aims to compensate for part of the daily income failed to receive the insured by the incident.
As for auto insurance will depend on the value of the car, its year of manufacture, and the amount and breadth of coverage. For small cars, two or more years of manufacturing, a policy can cost about Bs 11 000 per year, while ensuring a rustic Bs cost about 16 000 for models under three years old.
But in addition to health and vehicles, there are many other policies that may be of interest, according to the needs of each user. Life insurance, which provide for payment or compensation by the amount of money under the contract of the policy to the beneficiary of the policy. There are also burial insurance covering funeral costs for the insured's death or any of its subsidiaries in accordance with the general conditions of the policy. There
safe bonds, which are guarantees required by the creditors to support the obligations of the debtor. Policies for fire, which compensate the damage caused to insured property by the action of fire, smoke, lightning, explosion, water and other agents in the area close to the insured. In some cases protected earthquake, water damage, hurricanes, gales or storms, among other
World
14/11/2010
The insurance business in the United States poses to the results of ING.
Dutch bank ING has been a 26% drop in quarterly net profit after provisions that had to conduct insurance business in the U.S.. Specifically, ING has earned 371 million euros, compared with 499 million ago a year, well below the 938.4 million expected by the consensus. And is that the provisions in the United States amounted to 513 million euros.
ING announced the separation of banking and insurance business in late 2013, a movement that aims to get approval from the European Commission to receive 10,000 million euros from the Dutch Government. The idea of \u200b\u200bING is not only separate the two units, but sell the insurance business.
World
13/11/2010
Ultimate Risk Solutions Appoints O'Gorman as head of operations in Spain, Portugal and Latin America.
Ultimate Risk Solutions (URS), a global provider of software risk modeling for the insurance industry and property and casualty reinsurance, has appointed David O'Gorman as leader of its operations in Spain, Portugal and Latin America , announced Executive Director Alex Bushel.
David O'Gorman, based in Madrid, will be responsible for business development in the regions mentioned. URS O'Gorman recently reached Aon Benfield Company, where he served as head of analytical services to clients throughout Latin America. O'Gorman is a member of the Association of Actuaries and a BA in Mathematics Applied University of Dublin. URS has developed
Risk Explorer (TM), Dynamic Financial Analysis tool used by some of the largest insurers and reinsurers in the world, URS Real World (TM), a global economic model that simulates the macroeconomic variables in several economies . Risk Explorer (TM) is an essential tool for insurers to create risk management programs that meet the standards of rating agencies and the requirements of Solvency II, the new regulatory regime will take effect in October 2012 in the European Union
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