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NEWSLETTER OF THE INSURANCE MARKET WEEK N # 04/09/2010 VENEZUELAN

With the new Insurance Companies Act will turn their parking lots into true "car graveyards" because they may auction or sell the vehicles considered "totaled."

Yesterday we discussed our view of the new Law on Insurance Activity, today we bring a problem that is being formed to undertakings deriving from the same Act Before, when someone gave him "total loss" your vehicle (70% damaged), or because you fell a tree with many clubs today's water, or because they fell over a Gandola now are turning all the time, or because you stole it because, thank God there is not much insecurity in the country, or simply crash, the representative of the insurance company once declared total loss vehicle would the notary with the affected and there the latter would sell the car to the insurance company receiving the check for the amount.

Once the damaged car, the insurance company to leave and not lose everything, I had two via legal way, I could sell what remained of the car through a public auction, where many people bought these vehicles damaged beyond that obtain some investment vehicles, or insurance company just selling it to a "goatee", which usually and most recently as a result of the shortage of vehicle spare parts and auto parts in the country could solve what you were looking for for our car, but now it is not, in the part about what you can do the business of insurance total loss vehicles. Other prohibitions Thus, while the first part is told here as well, that is, our secure payment of declared total loss, the new law eliminates the second, in other words, insurance companies can no longer be auctioned vehicles or total loss selling them to a goatee!.

being so, Article 40 of the new law regarding "Other prohibitions" for insurance companies, in their ordinal 26 states: "Alienate for any reason, the automotive parts and vehicles that have been classified as total loss or not recoverable, the report said that due monthly insurance companies to the National Register of Vehicles and Drivers, in accordance with the provisions of the Land Transport Act, all of which means that insurers will have to "swallow" damaged cars with all their parts, creating in their huge parking lots "junk graveyards" where you can not sell a mirror mirror.

However, this measure only applies to insurance companies as we are seeing what he produces without doubt a capital loss, but all those who used the lack of spare parts for vehicles in a goatee look for solutions so that these do not take the feet of clay, but now it will not, so the problem of spare parts that are just starting out have eliminated an alternative solution.

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How to achieve financial freedom? National Business

As you know the dream of everyone is to achieve financial freedom, but really you are doing to achieve financial freedom achieve this?

probably like me at some point in my life, you played the lottery or forecasts, but tell me how much you have invested in it and what results you got, do not say that you can not, of course you can, but you know the level competition that this has?

Odds of winning the lottery or forecasts are 1 in 1'000, 000 While you will.

After a while doing this I realized that he was not reaching my dream as much money invested and earned little, then turned my attention to business, but hey, at least one café after analyzing those businesses I realized that the initial investment was at least $ 150.000 pesos and therefore did not have that much money, unless you have someone you want to finance that amount. The recovery of capital is at least 6 months to 1 year. Sounds good, but the problem is the initial capital.

Then I met other franchises, who happen to be very cheap and if you know how to work, you can generate much money, then you can use to invest in a bigger franchise. These exemptions economic are also called personal franchises, I mean business network marketing or MLM , these personal franchises have a fee from $ 10 dollars or about $ 125 dollars and can generate good money after you invest in other business. Only then is able to achieve financial freedom.

Of course, these businesses have been hard hit as there is no confidence in them, because as in all there are charlatans who only want to take advantage of the good faith of the people and believe me I've been scammed in this business too, but I never lost faith to find I did one good and I found 2 very good bargains, of which I speak on this blog, have their own page and not only that, but they are proud of Mexico, which for me is the best of it. These businesses are

Life and Klöber NK if they want to know more about these businesses can read the pages I have in my blog regarding these businesses and if you only want to consume the products of NK Life, they are not interested in the business opportunity the same way I can help in that regard.

Believe me, this is a good way to achieve financial freedom as having a business is always very good and profitable. And I will leave good profits, another important aspect is to understand that not because of being enrolled in one of these companies, you will gain a lot of money, not how it works, you must first register and then you have to work hard for the business to make a profit. This may take a month or more. Many people are desperate and out of the business as they see profits, but actually they did to achieve them, many people only sign up, invite people and how they refuse, they give up and retire, but let me tell you people but rejected the world are also the most successful. So the most important thing is perseverance. And not collapse because someone rejects them, the most important thing is to have faith and move forward.

Remember, to change the world you first need to change. So I encourage look toward the future, not get carried away by the tide, if you want to think about business and money if you do not have capital to start one, fix your attention on the network or multilevel marketing are good businesses and very low cost acquisition. So you began your business portfolio and will be on track to achieve your financial freedom.

I know not only mid-level people but also rich in these businesses are mainly those rich people because they see the enormous potential of these businesses. The latter I leave just as a cultural breviary.

Greetings and keep in touch.

God bless you all friends. Because

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I highly recommend domestic business?

The answer is simple, do not say that foreign companies as Herba-Life, GDI, etc. These foreign companies are not bad, sure they are not, in fact I have also access to GDI, but my heart calls me and tells me that blood is better than the money generated stays in Mexico, the money is generated here in our country because we need people in Mexico have a job and these companies can grow and make a great business with network marketing in Mexico and once that has good recognition and grow our business, because we can employ many people, as we will need help for our business continues to grow. This will generate Mexico jobs that our beautiful and lovely country needs, instead of blaming the government for the country as the best is to focus on doing something to help grow our economy stronger and it will do if more and more people undertake this business and begin to create jobs, this will help many families in the country.

The fundamental idea that I have to own business is to help families grow slowly and are not subjected to help them in their economy. For

begin by giving them a job and then do my job to help them have their own business. Giving advice is required to start your business, clear your business Network marketing, since they invest little money and have the opportunity to grow our business to where our imagination let it grow.

Anyway, this is the desire I have for all people of this my beautiful, beautiful country, do not mess it up as does the government if the government supports us, we should do something for our country to flourish and they can leave our children a better country, where we play live, they have a chance to see it grow and see it in its heyday.

Greetings to all and God bless, I hope you can choose to have the opportunity to grow the economy and help people create jobs for those who need to have and then help them grow and give them the boost they need so that they equally have their own business.

Attn:

His friend Carlos Ramirez.

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NEWSLETTER OF THE INSURANCE MARKET WEEK N # 02/09/2010 VENEZUELAN

make adjustments to Insurance Activities Act.

took effect in July the Insurance Activity Act, which requires companies to change the terms of the policies, especially health. Among the changes are the extension of coverage, the premium financing regulations and the creation of solidarity insurance. The companies, according to the text, have a term of 180 days to adapt to the regulations, but the changes were initiated.

Companies have until October to submit their plans to adapt to the Superintendent of Insurance Activity, and then six months to run. However, users are already seeing the changes, because companies are making adjustments. Some companies are revising the rates and terms for financing contracts.

Insurance Industry sources state that there is uncertainty in the market and this explains the changes that occur in health insurance. Higher payments


When Rosario Puentes renewed health policy for your family, the broker suggested that financing of the premiums will be for a period of five months instead of seven, and this cut in the time of payment affects your pocket each month will pay 40% more to continue the same coverage.

The premium financing enables policyholders who do not have enough income to pay off only once the contract payable in installments, but this pattern changed with legal reform.

The new text lays down regulations on premium funding, if they can continue to operate, and can not use the policy as collateral. Insurance industry sources explained that the funding will now have to conduct risk analysis to users, which involves adjustments to authorizations. Brokers

indicate that these changes in the financing scheme is generating concern among the insured, because not everyone can pay cash their policies. Add users who have their doubts about whether to proceed with contracts.

Beyond the changes in the financing, the insured also face rate adjustments. When Estela Calderón last week was to cancel your policy, was told that I had to pay extra.

Although rates have traditionally been reviewed by the authorities, now the supervisory body will have more interference. According to the text, companies can not make "adjustments of premiums for high accident rates during the period for which has been calculated insurance premiums or prepaid health."

The standard adds that "for reasons of public or social interest, the Superintendent of Insurance Activity may approve a flat rate for certain kinds of risks, and companies will have apply in its operations in the area concerned. "Therefore, the rates are more controlled now.
Effects

A report from the firm ODH on Insurance Activity Act reveals that the new regulations will generate a deterioration of the sector. Explains that by taking into account the provisions in the text, there will be a misallocation of resources. "The insurance companies are less discretion in choosing their clients, so try to increase rates to cover the risks."

The report notes that this intervention in the insurance market is part of the Government's strategy in this sector consider strategic. "In the last months the Executive has sought to regulate financial activities. Has developed standards that divert funds to areas of interest and it has achieved greater control over private funds. "




World

08/09/2010

Nace
company services for expatriates worldwide.


Vanbreda CIGNA International and will serve over 700,000 customers worldwide. This acquisition significantly enhances CIGNA's position in benefits expatriates.


services company health Vanbreda CIGNA International has acquired International, based in Antwerp, Belgium. With this acquisition CIGNA get a global reach unmatched benefits for expatriates and further accelerating global growth strategy.


Vanbreda International, privately owned company, specializes in providing health insurance worldwide and employee benefits both intergovernmental and nongovernmental organizations, including international humanitarian operations as well as customers corporate. With this union, and CIGNA International Vanbreda will serve over 700,000 customers worldwide. This acquisition significantly enhances CIGNA's position on benefits for expats.


In the words of William L. Atwell, president of CIGNA International, the International Vanbreda acquisition is a great example of how CIGNA International is delivering on its strategy for growth in existing markets, your search for opportunities around the world to diversify revenue streams, deepened, and meet clients and their foray into the market for individual policies because Vanbreda International has a growing portfolio in the individual market.


From CIGNA has been valued greatly the incorporation of International Vanbreda, since it has a large presence in Europe and complements CIGNA's position in the expatriate market for corporate customers primarily in North America and as Europe and Asia.


President of CIGNA International also said there was little overlap between the two companies thus becomes an opportunity for both parties. He also highlighted the "cultural fit" between CIGNA and International Vanbreda, taking into account the history of Vanbreda International in the provision of services, retention clients and CIGNA's commitment to continue to maintain these factors.


Under the brand Vanbreda International, the company will continue operating as an independent company under the leadership of current CEO and COO Rudi Bertels, Wouter Reggers. Bertelsmann hopes that this union will continue to provide excellent service and new products, for example, health and wellness solutions that now offers CIGNA.


Atwell stressed that CIGNA is committed to providing great customer service, open communication and employee satisfaction. He assured they will get this experience a positive for everyone. He further stated that CIGNA look good customer retention rates and an unmatched global reach, further accelerating global growth strategy of CIGNA.







Commercial Insurance office opened Cabimas.


Seguros Mercantil opened the doors of its new office in Cabimas insurance brokers and general users, the opening ceremony was held at the East Coast Mall Buena Vista sector, which already operates from the extension of the prestigious financial institution with presence of several representatives of the same national and regional level.

The administration manager of the office, Marianela Cortes said that "for some years we have been expanding our network of offices and some of them have entered the process of adaptation of facilities to offer new services." He also reported that in response to its business strategy in Ciudad Bolivar and Puerto Ordaz are close to opening of new branches.

For its part, Franklin Gutierrez, regional manager of the insurer, said that the requirement of service in the town led to the realization of a series of studies that yielded results positive. "Indeed, there was a good result that commercial activity detected in the area."

In this way, the branch manager of Ciudad Ojeda, called the opening positively, while those who praised the quality of work managing policies in the jurisdiction. "The insurance broker Cabimas is highly competent, professional service with mysticism, it is important the message that the Commercial Group wants to bring the community and we have credibility in the country." For that reason explains that the entity continues in order to promote economic growth in the country.

"With all the expectations we started activities in the office, which is just the foundation for the consolidation of the new branch of Insurance Companies ", in this way, Wilmen Rosendo, business executive and who will take the reins of the new headquarters predicted productivity management the same. Rosendo

explained that insurance brokers, will have a closer place to enter any information, claims processing policies and more without contact or Maracaibo Ciudad Ojeda.




World

09/09/2010

The insurance industry claims its role in mitigating the effects climate change. Four

international initiatives in the insurance sector, ClimeteWise, The Genova Association, Munich Climate Insurance Initiative and the Programme Finance Initiative, United Nations Environment Programme, have made a joint statement claiming the role of business in combating climate change and a more active government.

The signatories say that insurance is just one of the various aspects of risk management can help combat climate change and sustainable development. In this sense, bring their experience and expertise in the management risk reduction activities and design their transfer. In addition, it encourages the reduction of losses reported to the various economic agents about the risks they face.


On the other hand, it also highlights the development of new insurance products covering risks affected by climatic and meteorological events such as human health, crops and animal diseases. In terms of awareness, the sector can generate awareness among the many parties involved in it, ranging from governments and regulators, shareholders, business, civil society and academia, on the impacts of climate change and adaptation needs.


Regarding the role that governments must play, suggest that they must act to create an effective enabling environment by the insurance, to mitigate climate change impacts in the developing world . Therefore appeal to states to support proposals to catalyze the efforts of adaptation through risk management, loss prevention and risk transfer, as the signatories of the declaration.
Among the initiatives proposed figure for governments to invest in collecting data on risk exposure to both historical and projected into the future, which are freely available to the public and multiple applications of adaptation. Representatives of the four states that have signed this statement met yesterday at the headquarters of Lloyd's of London to highlight their role in risk management in developing countries.




Insurance against natural disasters.


The World Bank formalized contract with the reinsurer Swiss Re to provide aid to Latin American countries in natural disasters.

The first country has benefited Mexico to receive insurance coverage for $ 290 million. It says is the first time that a platform is designed specifically designed to give governments of developing countries the opportunity to purchase insurance coverage to deal with natural phenomena such as earthquakes, floods, hurricanes and other risks to costs accessible.

Well, it is action of our Government through the Ministry of Foreign Affairs and the Bank of Guatemala to approach the World Bank for details of this program.

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BULLETIN NEWS OF THE WEEK Venezuelan insurance market N # 01/09/2010

Seguros La Previsora \u200b\u200bbe devoted to the care of the excluded sectors.

Tomás Sánchez Rondón, president of the company, stressed that the presence of this institution is essential for the consolidation of the National Socialist Joint Security and Social Assistance, which is expected to ensure that Venezuelans access to the services required for their welfare.

the Fourth Republic in strategies to overcome poverty experienced no legitimate identification mechanism, simply failed. Now, in the last decade, the regulatory framework, institutional and socio-political has changed and deepened its attention on the excluded. This was considered Tomás Sánchez Rondón, president of The Insurance Sighted, for whom social inclusion in the insurance scheme is a task to be addressed.

"When you go into the neighborhoods, we find that people do not have any insurance, even though it has, thank God with the Mission Barrio Adentro and the Integrated Diagnostic Centers, but only those working in the economy enjoy formal insurance, "he said. For this reason, said that Seguros La Previsora, now owned company, aims to create and provide a set of policies supportive character to serve the disadvantaged, even for organized segments such as community councils, students, motorized taxi drivers, among others.

Furthermore, within the social development area established under the Plan Simón Bolívar, is a very interesting building institutional-ups with social ownership and other forms of collective organization that require our attention, either with special policies for the purposes to protect their assets, as well as those involved in various areas of social management and social production.

Rondón Sánchez said they already have several projects in development, but declined to give details, because in the short term will be subject to approval by the National Superintendency of Insurance, which will assess the conditions techniques and their feasibility and once approved, will give the green light to its implementation. "The Previsora \u200b\u200bis a company dedicated to the care of the excluded sectors," he said.

However, he clarified that the company will continue to serve the traditional segments that were previously occupied: people, companies. "But now we will add the social, because I am convinced that is the necessary complement to satisfy all sectors of the community," he said




New Insurance Act regulates prepaid medicine.

The president of the Insurance Chamber Venezuela, Alesia Rodriguez, reported that the new Insurance Act has positive elements such as the incorporation of several actors who were not regulated as medicine prepaid insurance cooperative insurance and solidarity, but there are many aspects that can affect the activity.

Also, Rodriguez said in a statement to Globovisión that insurance is complementary mechanisms, but said that "the issues that are not themselves undermine security throughout the system." "The law includes additional costs and risks that will need new businesses." Rodriguez emphasized that it is not "true that the Act has removed the funding because insurance companies have never been authorized to lend.



Superintendent of Insurance defined in the policy settings.

Although the Insurance Activity Act is in effect, changes in coverage policies shall take effect when the Insurance authorize adjustment plans of the companies. According to the text, firms must change the terms of contracts and may not refuse to cover emergency cases, not set limitations on access and should include pre-existing conditions.

The chief executive of the Insurance Chamber Venezuela (CAV), Alesia Rodriguez, says that companies have 60 days to submit plans to the agency, but said that "there are several points to define the products, the characteristics they should have, whether they are sustainable and can answer technical coverage." He says that while the settings are not defined "existing contracts remain valid, because this law is not retroactive."

regard to the costs that will have the products, the president of the Organization notes that "we are in an inflationary economy and price behavior as well as the claims affect the cost." A trial in the instrument exists too much discretion, especially in the setting of prices of insurance policies.

The Insurance Activity Act states that the supervisory body will bring new risks to be covered, such as agricultural cooperatives and those of the popular community. Rodriguez notes that these are issues to be clarified in the adjustment program.

The new legal framework that regulates the insurance industry conditions to funding set premiums so that those who opt for the scheme's funding policies can no longer use the contracts as collateral. The president of the Chamber of Insurance says, on this point, that "the restriction of using the policy to guarantee the funding process will be slow, the analysis from now on will be more stringent. "