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Compete and Win in the Age of Account Based Buying COMPETE AND WIN IN THE AGE OF ACCOUNT BASED BUYING

whitepaper

Jul 15, 2019

If you’re on a B2B revenue team, it’s likely your Marketing and Sales teams are experiencing some angst these days when it comes to understanding how prospects and customers want to interact with your company. On one hand customers seem to want ultra-personalized attention on every chann...

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The history and purposes of private health insurance THE HISTORY AND PURPOSES OF PRIVATE HEALTH INSURANCE

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Jul 15, 2019

Australia’s private health insurance industry fears it is in a death spiral, and politicians need to rethink whether or to what extent taxpayers should continue to subsidize the industry. Australians are increasingly dissatisfied with private health insurance, and policy reform is urgent. Prem...

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Digital Is Disrupting Insurance DIGITAL IS DISRUPTING INSURANCE

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Jul 11, 2019

The insurance industry is well on its way to going digital. Digital transformation has become the norm for companies across all industries, and insurance is no different. Nearly 70% of insurers in our study reported that their company is on the journey to digitally transform their infrastructure. Th...

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Triggering innovation: How smart contracts bring policies to life TRIGGERING INNOVATION: HOW SMART CONTRACTS BRING POLICIES TO LIFE

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Jul 10, 2019

This report has been co-produced by Lloyd's and Centre for Commercial Law Studies for general information purposes only. While care has been taken in gathering the data and preparing the report Lloyd's does not make any representations or warranties as to its accuracy or completeness and exp...

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The SiriusDecisions B-to-B Buying Decision Process Framework THE SIRIUSDECISIONS B-TO-B BUYING DECISION PROCESS FRAMEWORK

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Jul 08, 2019

Decisionmaking is a cognitive process defined by psychologists as the selection of a course of action from multiple alternatives (e.g. what to eat, where to shop). John Dewey, the pragmatic philosopher and psychologist, introduced the first decision process framework for consumer buying in his book ...

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INSURANCE PROVIDERS DIGITAL EDGE PLAYBOOK INSURANCE PROVIDERS DIGITAL EDGE PLAYBOOK

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Jul 08, 2019

Insurance businesses require scalable digital delivery models with rich analytics for greater consumer insights to tailor solutions and maintain customer loyalty. This requires a re-architecture to a business model based on interconnection and colocation with distributed control points. By following...

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Warranty insurance fraud WARRANTY INSURANCE FRAUD

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Jul 04, 2019

An extended warranty, sometimes called a service agreement, service contract or maintenance agreement, is a prolonged warranty offered to consumers in addition to the standard warranty available on a new item. The extended warranty may be offered by an insurer, a retailer or a manufacturer.

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How insurance contributes towards financial inclusion and affordability HOW INSURANCE CONTRIBUTES TOWARDS FINANCIAL INCLUSION AND AFFORDABILITY

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Jul 03, 2019

Financial inclusion, such as affordability, is a core priority of regulators and businesses and is causing change. With changes posed by FCA regulations theres a need to readdress all components of customer engagement and redevelop the journey to be inclusive of expectations, but also an opportunity...

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Insurance Markets in Figures INSURANCE MARKETS IN FIGURES

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Jun 30, 2019

Preliminary data for 2018 show an increase in gross premiums of domestic insurance companies in most countries, especially in the non-life sector (Figure 1). Gross premiums rose in real terms in 28 (out of 52) reporting countries in both life and non-life sectors, in 16 other countries in the non-li...

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The Birkenbihl-Approach to Language Learning THE BIRKENBIHL-APPROACH TO LANGUAGE LEARNING

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Jun 27, 2019

Learners experience difficulties because even if vocabulary has been learned well, the words have been learned as individual units (e.g. “put” with several possible translations into the native tongue of learner) while now in context only one of these possibilities describes the meaning....

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Using business data and company director data to inform insurance risk management USING BUSINESS DATA AND COMPANY DIRECTOR DATA TO INFORM INSURANCE RISK MANAGEMENT

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Jun 24, 2019

For an insurance provider, risk information is power – yet not every insurance provider is exploiting all information they could use to refine the pricing and underwriting of risks. For providers of commercial lines, a wide range of data types related to businesses and to the individuals who r...

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DIRECTIVE CONSULTING PORTFOLIO DIRECTIVE CONSULTING PORTFOLIO

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Jun 24, 2019

We believe that data-driven marketing shouldn’t be confusing. Every company should know what works for their campaigns in order to make more ROI-driven decisions. At Directive, we not only craft customized campaigns for your unique marketing objectives - we exceed those objectives and truly re...

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Travel insurance: Transforming and challenging through digitaltechnology TRAVEL INSURANCE: TRANSFORMING AND CHALLENGING THROUGH DIGITALTECHNOLOGY

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Jun 20, 2019

The insurance market and the tourism industry have not always had reputations for embracing the latest technology. But things are changing and digital advances such as geo-location and data analytics will only help accelerate the pace of change. Technology is transforming the travel insurance sector...

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The future of insurance THE FUTURE OF INSURANCE

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Jun 19, 2019

Challenge to change is a three-part whitepaper series that explores the future growth drivers of the global Insurance industry. The papers, entitled Embracing change, The impact of technology and The future of insurance, look at the economy, regulatory landscape, technological innovation, business p...

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Insurance providers INSURANCE PROVIDERS' DIGITAL EDGE PLAYBOOK

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Jun 17, 2019

All aspects of the insurance industry are being disrupted, requiring new digital strategies and IT architectures. This playbook outlines how insurance companies must evolve their delivery architectures to meet the demands of their users, reduce risk and meet regulatory compliance

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Transformation across the insurance lifecycle for better service and reduced cost TRANSFORMATION ACROSS THE INSURANCE LIFECYCLE FOR BETTER SERVICE AND REDUCED COST

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Jun 06, 2019

Having set the bar for customer service excellence in the past, one of the worlds largest publicly traded P&C insurance firms began feeling competitive heat due to the emergence of digital-savvy competitors and evolving customer needs.

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Europe insurance outlook 2019 EUROPE INSURANCE OUTLOOK 2019

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Jun 03, 2019

We are excited to share the latest edition of the EY insurance outlook series, covering the major trends, disruptions and innovations that are reshaping our industry. It’s an opportune time to take stock, as insurers are investing more than ever to reshape their business models to take advanta...

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The Future at Lloyd THE FUTURE AT LLOYD'S DIGITAL TRANSFORMATION IN INSURANCE

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May 30, 2019

Lloyd's of London has announced a set of bold new strategies which it believes will help it remain at the forefront of insurance innovation1 . As the world's leading insurance market, providing specialist insurance services to businesses in over 200 countries and territories, Lloyd’s i...

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Risk Consulting at a glance RISK CONSULTING AT A GLANCE

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May 29, 2019

At Allianz Global Corporate & Specialty, our core belief is that only by striving to understand each clients individual requirements can we respond effectively, helping to manage and reduce risk.The key to achieving this is to engage and work with our clients at the point of operations - in the ...

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A Firm Foundation: How Insurance Supports the Economy A FIRM FOUNDATION: HOW INSURANCE SUPPORTS THE ECONOMY

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May 28, 2019

Insurance is the lifeblood of any developed economy, as it enables individuals, businesses and even governments to transfer risk to further invest and grow. Simply put, without insurance, an economy cannot develop in a sustainable manner. However, few people are aware of the extraordinary impact the...

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CLAIMS INFLATION TRENDS CLAIMS INFLATION TRENDS

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May 28, 2019

The world of insurance claims is constantly evolving, against a backdrop of changing legislation, emerging technologies and social trends. Designed for brokers, this BIBA guide takes an in-depth look at the issue of claims inflation, including the latest claims trends and regulatory developments.

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Growing your insurance brokerage through M&A - How technology can help GROWING YOUR INSURANCE BROKERAGE THROUGH M&A - HOW TECHNOLOGY CAN HELP

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May 28, 2019

From speaking to our brokers and agents, we know a merger or acquisition sits high on their board agenda, yet many are concerned about the challenges of making it a success.There are three main concerns we hear regularly: how to get to grips quickly with the new business so that informed decisions c...

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Micromobility & Insurance MICROMOBILITY & INSURANCE

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May 21, 2019

There are many things changing within the transportation landscape but what’s really been taking center stage is micromobility. Micromobility refers to the use of small manually or electrically powered vehicles used to travel short distances. Bicycles and e-bicycles are probably the most commo...

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THE ART OF RECRUITMENT MARKETING IN AN AGE OF SCARCE TALENT THE ART OF RECRUITMENT MARKETING IN AN AGE OF SCARCE TALENT

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May 17, 2019

The HR profession is slowly becoming more knowledgeable about recruitment marketing (RM), although even those with a clear understanding of it have a difficult time staying current in this fast-evolving area. RM consists of the various activities an organization uses to find, attract, engage.

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Preventing and Combating Antibiotic-Resistant Infections PREVENTING AND COMBATING ANTIBIOTIC-RESISTANT INFECTIONS

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May 13, 2019

In the U.S., 2 million people suffer from antibiotic-resistant infections every year and 23,000 die as a direct result.i When antibiotics fail, patients can suffer allergic reactions, severe diarrhea, dehydration, colitis, reproductive complications, and paralysis, among other complications, and eve...

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White lies and misbehaviour: Why consumers mislead motor insurance providers WHITE LIES AND MISBEHAVIOUR: WHY CONSUMERS MISLEAD MOTOR INSURANCE PROVIDERS

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May 12, 2019

If consumers think motor insurance is over-priced, it is perhaps unsurprising that many should be tempted to mislead insurance providers, or hide information from them, to try to reduce the cost of their premium.We wanted to understand to what extent consumers believe it is acceptable to mislead ins...

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GLOBAL INSURANCE PLATFORM GLOBAL INSURANCE PLATFORM

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May 11, 2019

THE OPPORTUNITY The insurance industry has not evolved in any significant way since its inception. And yet, thanks to its positioning as a ‘must-have’ product, it remains one of the most lucrative industries in the world. – In 2016, on average, every single person in the world spen...

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Mobility Insurance Insurance Product Information Document MOBILITY INSURANCE INSURANCE PRODUCT INFORMATION DOCUMENT

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May 09, 2019

This document provides a summary of the key information relating to this insurance policy. Complete precontractual and contractual information on the product is provided in the full policy documentation. What is this type of Insurance?  This insurance provides cover for unforeseen costs surroun...

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Insurance for Enfranchisement and Right to Manage INSURANCE FOR ENFRANCHISEMENT AND RIGHT TO MANAGE

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May 07, 2019

iInsure365 was created in 1997 to provide a customer focused insurance solution. It is dedicated to providing clients with help throughout the whole insurance process. A product has been developed that specifically targets the requirements of Right to Management, Enfranchisements and Residential Man...

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CONTRACT WORKS INSURANCE AT A GLANCE CONTRACT WORKS INSURANCE AT A GLANCE

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May 05, 2019

What is Contract Works Insurance? When you’re working on a construction site, plenty of things can go wrong. Damage or loss to a building could cost you time, money and even your reputation. Meanwhile, an onsite injury can result in considerable pain, stress and financial loss. That’s wh...

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Your Guide To Puppy Health Care YOUR GUIDE TO PUPPY HEALTH CARE

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May 05, 2019

Bringing a new puppy into your family is exciting. To get your bundle of fur off to the best start in life, there are a few things to think about from a health perspective. Vaccinations Vaccinations are the best way to protect your puppy from several dangerous diseases. We vaccinate puppies against ...

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Know Your Benefits KNOW YOUR BENEFITS

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May 05, 2019

Health care costs, and consequently employee health benefit costs, have been growing at an alarming rate in recent years. As health care costs climb, the amount your employer must pay for your health benefits also increases. Unfortunately, the trend of health benefit costs rising faster than the rat...

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The Rise of Data-Driven Insurance Offerings THE RISE OF DATA-DRIVEN INSURANCE OFFERINGS

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May 03, 2019

We are seeing unprecedented change in the ways that people can interact with service and consumer goods providers. As a result, consumer expectations are changing, driven by enhanced experiences that have introduced people to newer, easier, and more immediate ways of doing business with service prov...

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Acquire and Grow: Benefits and Challenges of Acquiring an Insurance Business ACQUIRE AND GROW: BENEFITS AND CHALLENGES OF ACQUIRING AN INSURANCE BUSINESS

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May 01, 2019

The benefits and the challenges of acquiring an insurance business Acquisitions as a strategy Growth is nearly always on the mind of driven insurance professionals. That makes perfect sense, because a growing insurance business usually means growing revenues, and that translates to increased revenue...

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GLOBAL EMERGENCY ASSISTANCE FOR UW-MADISON STUDENT HEALTH INSURANCE PLAN MEMBERS GLOBAL EMERGENCY ASSISTANCE FOR UW-MADISON STUDENT HEALTH INSURANCE PLAN MEMBERS

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Apr 30, 2019

UW-Madison SHIP members have access to a unique value-added benefit: a Global Emergency Assistance program provided by Assist America. This program immediately connects you to doctors, hospitals, pharmacies and other services if you experience a medical or non-medical emergency while traveling more ...

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J.D. Power: P&C Insurance Industry Insight Brief J.D. POWER: P&C INSURANCE INDUSTRY INSIGHT BRIEF

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Apr 26, 2019

Two Large Carriers Capture 54% of Auto Premium Growth in 2018 as Direct-to-Consumer Model Gains TractionThis brief explores how Progressive and GEICO have achieved this in the following:The shift in consumer behavior in the auto insurance industry is quickly moving from face-to-face to digital as la...

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BIG DATA ANALYTICS IN MOTOR AND HEALTH INSURANCE BIG DATA ANALYTICS IN MOTOR AND HEALTH INSURANCE

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Apr 25, 2019

Data processing has historically been at the very core of the business of insurance undertakings, which is rooted strongly in data-led statistical analysis. Data has always been collected and processed to inform underwriting decisions, price policies, settle claims and prevent fraud. There has long ...

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Taking control of Artificial intelligence and insurance TAKING CONTROL OF ARTIFICIAL INTELLIGENCE AND INSURANCE

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Apr 24, 2019

This report has been co-produced by Lloyd's and University of Surrey staff for general information purposes only. While care has been taken in gathering the data and preparing the report Lloyd's and University of Surrey staff does not make any representations or warranties as to its accuracy...

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A Guide to Cyber Risk A GUIDE TO CYBER RISK

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Apr 24, 2019

Cyber risk is now a major threat to businesses. Companies increasingly face new exposures, including first- and third-party damage, business interruption and regulatory consequences. With the operating environment for many industries changing dramatically, as they become more digitally-connected, th...

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Request for Proposal Insurance Brokerage Services REQUEST FOR PROPOSAL INSURANCE BROKERAGE SERVICES

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Apr 24, 2019

The Council for Economic Opportunities in Greater Cleveland, (CEOGC) is a nonprofit organization and the Community Action Agency for Cuyahoga County that assists residents in achieving their full potential. The Council delivers education, personal and professional development programs and support se...

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The Internet of Things (IoT) will change claims and risk forever THE INTERNET OF THINGS (IOT) WILL CHANGE CLAIMS AND RISK FOREVER

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Apr 20, 2019

It’s all about the data When you consider how risk and claims work, you realize they are all about data. Data drives smarter decisions about risk. Data enables faster, more accurate resolution when damage occurs. Data can even lead to proactive mitigation of damage as it unfolds. Because the a...

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LIFE INSURANCE INSIDE SUPER AND DEATH BENEFIT NOMINATIONS LIFE INSURANCE INSIDE SUPER AND DEATH BENEFIT NOMINATIONS

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Apr 17, 2019

When an adviser sits down to discuss life insurance cover held within superannuation with their client, it is also an ideal time to have a comprehensive discussion about estate planning. In this article, we look at the advantages and disadvantages of various options of structuring the receipt of sup...

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2019 Majesco Life IllustratePlus 2019 MAJESCO LIFE ILLUSTRATEPLUS

whitepaper

Apr 17, 2019

Powering illustrations and quotations for the digital world A cloud-based illustrations and quotations system that supports new and existing business across all products for life, pensions, wealth management, group and individual business. Majesco Life IllustratePlus encompasses life assurance illus...

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Insurance and the poverty premium INSURANCE AND THE POVERTY PREMIUM

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Apr 17, 2019

A car accident, a burglary, a washing machine breaking down. No-one is immune from these sorts of incidents - and insurance provides us with a way to mitigate that risk. Low-income households can face these issues like anyone else. But they are significantly less likely to have insurance to cover th...

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Assessment of the impacts of Climate Change on the Agriculture Sector in the Southern Mediterranean: FORESEEN DEVELOPMENTS AND POLICY MEASURES ASSESSMENT OF THE IMPACTS OF CLIMATE CHANGE ON THE AGRICULTURE SECTOR IN THE SOUTHERN MEDITERRANEAN: FORESEEN DEVELOPMENTS AND POLICY MEASURES

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Apr 16, 2019

This report provides a comprehensive assessment of climate change and its impacts on agriculture1 in the Eastern (Egypt, Israel, Jordan, Lebanon and Palestine) and Western (Algeria, Morocco and Tunisia) countries of the Southern Mediterranean, as well as the policy measures currently in place, as id...

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Supplemental Health Insurance Hospital or Other Fixed Indemnity, Accident-Only, Critical Illness SUPPLEMENTAL HEALTH INSURANCE HOSPITAL OR OTHER FIXED INDEMNITY, ACCIDENT-ONLY, CRITICAL ILLNESS

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Apr 15, 2019

Supplemental health insurance typically refers to products that are designed to supplement comprehensive major medical insurance. These products are considered “excepted benefits” under the Health Insurance Portability and Accountability Act of 1996 (HIPAA). This means that because they ...

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Examining the Direct Relationship between Insurance Innovation and Company Value EXAMINING THE DIRECT RELATIONSHIP BETWEEN INSURANCE INNOVATION AND COMPANY VALUE

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Apr 15, 2019

This paper looks at research studies which have examined the amount invested in research and development, or company cultures of entrepreneurship and company learning, or general investment in forward-looking development. Do these result in a growth in the value of the same company over the short an...

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Insurance Claims Do you have pet insurance? We offer Indirect and Direct Claims INSURANCE CLAIMS DO YOU HAVE PET INSURANCE? WE OFFER INDIRECT AND DIRECT CLAIMS

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Apr 13, 2019

What we need from you. Full payment of your invoice(s) is required to us before your claim can be processed. Payment terms for Indirect Claims are the same as for uninsured patients. Details are shown on page 4 of this booklet. No administration fee charged. You must provide us with a separate signe...

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Global Claims Capabilities GLOBAL CLAIMS CAPABILITIES

whitepaper

Apr 11, 2019

Our Claims Commitment Sompo International is committed to providing outstanding claims service that delivers:  Fair and appropriate outcomes for our insureds. Effi cient service, timely responses and fast payment of agreed claims. Value-added expertise from product and industry specialists We a...

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XENTIS for the Insurance Sector XENTIS FOR THE INSURANCE SECTOR

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Apr 10, 2019

The diversity of traditional and exotic financial instruments and the corresponding trade volumes for these products are constantly increasing. The processing and recording of the resulting transactions trigger the application of complex statutory regulations in respect of risk management, reporting...

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Insurance Technology Sector Summary Q1 2019 INSURANCE TECHNOLOGY SECTOR SUMMARY Q1 2019

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Apr 10, 2019

DISTRIBUTION & CUSTOMER ENGAGEMENT. Companies that focus on customer engagement, e.g., customer acquisition, sales and marketing, mobile solutions and other direct-to-consumer insurance channels, or that offer solutions to improve distribution or facilitate engagement with the end consumer.

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Poultry farm insurance that started with a glass jar POULTRY FARM INSURANCE THAT STARTED WITH A GLASS JAR

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Apr 07, 2019

Tailored insurance for the poultry sector. Achmea was established over 200 years ago when 39 farmers put money into a glass jar, to be compensated in the event one of them had a haystack fire. Their commitment to a truly mutual approach to insurance remains alive and well in Achmea Australia today.

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Customer Case Study Heritage Insurance CUSTOMER CASE STUDY HERITAGE INSURANCE

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Apr 03, 2019

Founded in 2012, Heritage Insurance had a distinct DNA… identifying opportunities, assessing fit, and then making quick decisions. As a start-up, Heritage Insurance realized that it required technology that could support its appetite for growth and efficiency. Heritage required a solution tha...

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Embracing Smarter Facilities Management EMBRACING SMARTER FACILITIES MANAGEMENT

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Apr 03, 2019

In today’s increasingly digital world, the nature and function of building facilities is constantly changing. Facilities managers (FMs) face increasing pressure to adapt to fast-evolving workplace and regulatory requirements. Buildings are expensive to operate and contribute significantly to e...

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MOTOR INSURANCE AT A GLANCE MOTOR INSURANCE AT A GLANCE

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Mar 29, 2019

What is Motor Insurance? Motor insurance can cover your motor vehicle against accidental damage and theft. It can also protect you from the financial costs of repairing or replacing another person’s vehicle in an accident where you’re at fault. Generally you can choose to insure your car...

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On-demand Insurance: Challenges and Opportunities for Large Insurance Carriers ON-DEMAND INSURANCE: CHALLENGES AND OPPORTUNITIES FOR LARGE INSURANCE CARRIERS

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Mar 28, 2019

The preference for convenience and superior experience is driving a change in consumer behavior and service preference in the insurance industry. This coupled with emerging paradigms of shared economy and cross-industry value chains are driving the proliferation of on-demand insurance. Growth of on-...

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Insurers: Are You Ready for IFRS 17? INSURERS: ARE YOU READY FOR IFRS 17?

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Mar 27, 2019

In a simpler time, this patchwork was passable. But change is coming. New regulations will bring greater complexity to the accounting process for insurers, which will make semi-manual, legacy processes look like a house of cards and raise doubts about the validity of the final numbers on the P&L...

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The first option exchange with the possibility
of insuring deposits against fall THE FIRST OPTION EXCHANGE WITH THE POSSIBILITY OF INSURING DEPOSITS AGAINST FALL

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Mar 27, 2019

Trading on the cryptocurrency market has already passed several development stages: from the first centralized exchanges where there were almost no volumes up to several hundred exchanges where the leaders have a turnover that exceeds one billion dollars a day. Recently the US Securities and Exchang...

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International travel insurance for tourists and professionals INTERNATIONAL TRAVEL INSURANCE FOR TOURISTS AND PROFESSIONALS

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Mar 25, 2019

Information for the insured The Insurer Anker Insurance Company n.v., having its registered office at Paterswoldseweg 812 at 9728 BM Groningen, in these policy conditions referred to as “Anker”. Anker is registered with the Autoriteit Financiële Markten (AFM) (the Dutch Authority fo...

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Using Your Insurance International Student Insurance Plan USING YOUR INSURANCE INTERNATIONAL STUDENT INSURANCE PLAN

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Mar 22, 2019

How to Enroll You are automatically enrolled through your school; no action is needed to enroll yourself in the plan. To enroll your dependents, visit www.4studenthealth.com/ucla-summer to download a dependent enrollment form to pay by credit card, check, or money order. Your dependents (spouse, dom...

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MODERN INSURANCE & VOICE COMPUTING MODERN INSURANCE & VOICE COMPUTING

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Mar 18, 2019

The research is based on 44 voice assistant ‘skills’ developed by 40 brands and available in Australia, Europe, Asia and North America. The data is tracked in the Coverager platform. Each skill is analyzed by its main features, relevant line of business, target audience (e.g. customer an...

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Topdanmark Delivers Transformative Insurance Engagement with Verint TOPDANMARK DELIVERS TRANSFORMATIVE INSURANCE ENGAGEMENT WITH VERINT

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Mar 13, 2019

Topdanmark is the second largest insurance and life and pension company in Denmark, with market share of 17 percent in non-life insurance and eight percent in life insurance. Headquartered in Ballerup, the organization has approximately 2,450 employees. Topdanmark prides itself on the quality and de...

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AIM INSURANCE GUIDE AIM INSURANCE GUIDE

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Mar 13, 2019

Why Does My Organization Need Insurance? The number one question that most Parent Teacher groups face today is “Why does my Organization need insurance?” That’s a great question and one that every Parent Teacher group should ask itself. There are many misconceptions about insurance...

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XCEEDANCE MGA AGILITY SUITE XCEEDANCE MGA AGILITY SUITE

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Mar 13, 2019

The Way Forward. The extended soft market is the biggest challenge for MGAs at the moment. Intelligent Insurer. For MGAs, what matters most (to secure capacity) is attention to detail, market knowledge and relationships, and data, technology and innovation. Insurance Post.

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Contents Insurance for Strata CONTENTS INSURANCE FOR STRATA

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Mar 06, 2019

Why you need contents insurance Residential strata insurance only protects the building, not the personal possessions in your property. Contents insurance is required to protect your personal belongings such as clothing, phones, jewellery, furniture, TV, computers, internal carpets, blinds and elect...

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Empowering Banking and Insurance CFOs in the Age of Modern Finance EMPOWERING BANKING AND INSURANCE CFOS IN THE AGE OF MODERN FINANCE

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Mar 05, 2019

Not many years ago, the most important task of CFOs was to ensure reliable, rules-compliant management of companies’ business administration and financials. In the course of doing so, they also provided some reporting and decision support on-demand to the CEO and other executives. That sounds ...

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Choose the coverage that’s right for you CHOOSE THE COVERAGE THAT’S RIGHT FOR YOU

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Mar 01, 2019

With mechanical breakdown protection, it’s easy and affordable to protect your finances from uncertainty. Start by selecting from our range of coverage options. ULTIMATE GUARD FACTORY TYPE COVERAGE Protection for nearly all mechanical, electrical and electronic parts, except a short list of ex...

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2019 Insurance M&A outlook 2019 INSURANCE M&A OUTLOOK

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Mar 01, 2019

The stage is set for the continuation of an active insurance industry M&A environment in 2019. Sustained US economic growth, rising interest rates, and higher investment income are among the positive factors bolstering insurance companies’ results in 2018 and positioning them for enhanced ...

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PRIVATE CLIENT SERVICES INSURANCE CONVERSATION STARTERS PRIVATE CLIENT SERVICES INSURANCE CONVERSATION STARTERS

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Feb 28, 2019

Financial advisors often ask us about the right time to discuss insurance with their clients. The short answer is that there are two obvious opportunities: while onboarding a new client and during an annual financial review. But a longer, more useful answer is that there are many other moments when ...

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The Largest Health Plans are Eating up the ASO and Stop Loss Market THE LARGEST HEALTH PLANS ARE EATING UP THE ASO AND STOP LOSS MARKET

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Feb 28, 2019

No longer is Self-Funded (ASO) Group coverage relegated to the largest Employers and National Accounts. ASO arrangements are now being sold to smaller sized employers, who at one time would never have considered self-funding as an option. As the ASO market continues to expand to include smaller grou...

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The Insurance AI Imperative THE INSURANCE AI IMPERATIVE

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Feb 28, 2019

The insurance industry – from product development to underwriting to claims – is being fundamentally transformed by AI technologies. Although some companies are investing aggressively in AI to slash costs while also enhancing the customer experience, most insurers will need to accelerate...

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Insurance Class Action Update 2018 4Q INSURANCE CLASS ACTION UPDATE 2018 4Q

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Feb 28, 2019

The final quarter of 2018 witnessed a number of new twists on old theories in class actions involving auto and homeowners claims and coverages, as well as further activity in some long-running class actions. Vehicle Total Loss Class Actions Total loss vehicle claims remain fertile ground for class a...

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TWIA inspected my property What’s next? TWIA INSPECTED MY PROPERTY WHAT’S NEXT?

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Feb 27, 2019

The field adjuster just inspected your property and you’re wondering what comes next. There are many steps TWIA takes to see your claim through to completion, but there are also steps you can take to help make it go smoothly. Use this brochure to learn about the claims process and use the help...

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THE WORLD’S FIRST GLOBAL, BLOCKCHAIN-POWERED Small Business Financial Services Platform Version 2.0 THE WORLD’S FIRST GLOBAL, BLOCKCHAIN-POWERED SMALL BUSINESS FINANCIAL SERVICES PLATFORM VERSION 2.0

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Feb 27, 2019

NEXXO is building the NEXT generation, blockchain-powered, financial services platform for small businesses. There are more than 260 million small businesses world-wide that are under-serviced1, and the NEXXO solution is designed from the ground up to address such an unfulfilled need. NEXXO partners...

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The Future of Chatbots in Insurance THE FUTURE OF CHATBOTS IN INSURANCE

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Feb 26, 2019

In our global assessment of business chatbots, we’ve identified the key elements for insurers to incorporate into these systems to successfully streamline the customer experience, reap cost savings and shift processes from reactive to proactive. Executive Summary. With the increased popularity...

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Catching the Consumer Data Wave: A New Opportunity in the Insurance Ecosystem CATCHING THE CONSUMER DATA WAVE: A NEW OPPORTUNITY IN THE INSURANCE ECOSYSTEM

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Feb 22, 2019

With the profusion of insurance consumer data coming online, the role of data intermediaries is emerging as a key player in the insurance ecosystem. Insurance distributors are especially well-suited to take the lead in analyzing user data and sharing insights to drive innovative product offerings an...

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HOME MATTERS REPORT FROM THE FLORIDA HOUSING COALITION 2019 HOME MATTERS REPORT FROM THE FLORIDA HOUSING COALITION 2019

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Feb 21, 2019

When it comes to affordable housing, Florida has seen both triumphs and ongoing challenges in 2018. Compared to other states in the nation, Florida enjoys access to an incredible source of funding for housing, the Sadowski Local Housing Trust Fund. At the time of publication of this report, the Flor...

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Considerations when adding ride-sharing to a healthcare benefit plan CONSIDERATIONS WHEN ADDING RIDE-SHARING TO A HEALTHCARE BENEFIT PLAN

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Feb 20, 2019

Ambulance rides are a necessary and important service for patients in emergency situations, but as most people who have taken an ambulance can attest, it is a costly service even with insurance coverage. As the public discourse continues to focus on the high cost of healthcare, an increasing number ...

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Cognitive Document Processing Services for Supplemental Health Insurance COGNITIVE DOCUMENT PROCESSING SERVICES FOR SUPPLEMENTAL HEALTH INSURANCE

whitepaper

Feb 13, 2019

Drive efficiency and cost reduction by digitizing documents and enabling Straight Through Processing. Challenges in the Industry Globally, the supplemental health insurance market handles millions of documents every year but faces challenges in efficiently processing the large volume of documents, m...

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Single Trip and Annual Multi-Trip Travel Insurance SINGLE TRIP AND ANNUAL MULTI-TRIP TRAVEL INSURANCE

whitepaper

Feb 05, 2019

The insurer wishes to bring to your attention some of the important features of your travel insurance policy. All the words and phrases in bold have special meanings and are defined under Words with special meanings (see page 8). Complaints The policy includes a Complaints Procedure which tells you ...

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Solarif Insurance - Privacy Statement SOLARIF INSURANCE - PRIVACY STATEMENT

whitepaper

Jan 28, 2019

Solarif Group, with its registered offices and principle place of business at Mr. B.M. Teldersstraat 11, Arnhem (postcode 6842 CT), hereinafter referred to as ‘Solarif Group’, attaches great importance to the responsible handling of the personal data of its customers and visitors. Solari...

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Personal cyber insurance: Protecting our digital lives PERSONAL CYBER INSURANCE: PROTECTING OUR DIGITAL LIVES

whitepaper

Jan 20, 2019

Technology comes with huge advantages for everyday life, but people should be aware that it comes also with significant risks. Insurance has an important role to play in protecting customers against cyber threats.

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The State of Travel Insurance 2019 THE STATE OF TRAVEL INSURANCE 2019

whitepaper

Dec 25, 2018

The State of Travel Insurance 2019 is based on two major surveys and a predictive model that uses a variety of research methods to generate its outcomes. Please see the Appendix for details on how the research was conducted.

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AI-driven Transformation in the Insurance Industry AI-DRIVEN TRANSFORMATION IN THE INSURANCE INDUSTRY

whitepaper

Dec 21, 2018

The Insurance industry is on the brink of complete digital transformation. Traditional business models are giving way to new paradigms like Connected Insurance, Usage-based Premiums, and Smart Underwriting. Insurance customers are seeking on-demand, personalized experiences. The types of risks being...

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RISK AGGREGATION IN NON-LIFE INSURANCE: STANDARD MODELS VS. INTERNAL MODELS RISK AGGREGATION IN NON-LIFE INSURANCE: STANDARD MODELS VS. INTERNAL MODELS

whitepaper

Dec 21, 2018

In the aftermath of the 2008 financial crisis, meeting the capital requirement became one of the central management tasks in the banking and insurance industries. Solvency II (SII) as the new regulatory standard for insurance companies in the European Union covers potential losses from the asset and...

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Insurance Disrupted: How Customer Experience Can Help Insurers Build Trust and Earn Loyalty INSURANCE DISRUPTED: HOW CUSTOMER EXPERIENCE CAN HELP INSURERS BUILD TRUST AND EARN LOYALTY

whitepaper

Dec 20, 2018

A powerful combination of changing technologies, demographics, and customer expectations is threatening to upend the insurance industry. At the same time, a series of hurricanes, wildfires, and other natural disasters in the United States helped to make 2017 the worst year on record for global losse...

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GDPR COMPLIANCE IN THE INSURANCE SECTOR GDPR COMPLIANCE IN THE INSURANCE SECTOR

whitepaper

Dec 20, 2018

As the May 2018 deadline looms ever closer, is your company ready to be GDPR-compliant? Find out what the GDPR means for insurance companies, and what you need to do to get ready. We probably don’t need to tell you that the General Data Protection Regulation is the most significant privacy leg...

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2019 Insurance Outlook 2019 INSURANCE OUTLOOK

whitepaper

Dec 20, 2018

Sustained economic growth, rising interest rates, and higher investment income are among the positive factors that appear to be bolstering insurer results in 2018, setting the stage for enhanced top- and bottom-line growth in the year ahead.The US property and casualty (P&C) side of the business...

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GeoBlue® Student Member Guide GEOBLUE® STUDENT MEMBER GUIDE

whitepaper

Dec 19, 2018

Welcome to GeoBlue, a program designed to keep you safe and healthy throughout your journey. Your GeoBlue® health insurance plan provides you access to global medical expertise with responsive, multi-channel service. Download our app or register online to learn about the extra care you receive w...

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Berkshire Hathaway Specialty Insurance BERKSHIRE HATHAWAY SPECIALTY INSURANCE

whitepaper

Dec 18, 2018

Berkshire Hathaway Specialty Insurance (BHSI) is a strong and trusted insurance partner. We provide commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, medical stop loss, accident and health, and homeowners insurance to custom...

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Insurance Re-imagined Key trends driving innovation and disruption in Insurance INSURANCE RE-IMAGINED KEY TRENDS DRIVING INNOVATION AND DISRUPTION IN INSURANCE

whitepaper

Nov 25, 2018

Post-Lehman the Insurance industry was focused on capital adequacy and risk management. Recently, it’s become increasingly common to read and hear about ‘innovation and disruption’ 2,3. Deloitte believe it’s important to challenge, understand and critique this trend rather th...

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LANDLORD INSURANCE AT A GLANCE LANDLORD INSURANCE AT A GLANCE

whitepaper

Nov 21, 2018

What is Landlord Insurance? Like home insurance, landlord insurance can cover your rental property and its contents against risks like storms, floods and fire. It can also cover the damage that tenants can cause to your contents - and even loss of rental income. Unlike some landlord policies, our La...

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CRYPTOCOIN INSURANCE CRYPTOCOIN INSURANCE

whitepaper

Nov 15, 2018

In the case of the insurance event, cryptocoin INSURANCE pays the client the insurance from the previously obtained insurances. If there has been no insurance event, the insurance paid by the client will be the company’s income. In fact, this is the option mentioned above. However, in order no...

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EMERGING LIABILITY RISKS: THE “TOXIC TRIO” EMERGING LIABILITY RISKS: THE “TOXIC TRIO”

whitepaper

Nov 15, 2018

Increasing scientific, regulatory, and consumer concerns means increased risk for manufacturers and suppliers of various personal care products. The potential for synergistic effects of a so-called “toxic trio” of hazardous chemicals used in these products threatens to expose them to lat...

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OUR PROMISE TO NORTH CAROLINA OUR PROMISE TO NORTH CAROLINA

whitepaper

Nov 09, 2018

UPC Insurance proudly serves our agent partners and their customers in North Carolina. UPC delivers premier products and services to homeowners across the state. Because we’ve been a financially stable homeowners insurance company since 1999, you and your policyholders can rest easy knowing th...

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Travel Insurance Policy March 2019 TRAVEL INSURANCE POLICY MARCH 2019

whitepaper

Oct 31, 2018

It is important that you read this policy document and your Validation Certificate carefully to ensure that it meets your requirements and so that you understand the extent of cover provided, what is and is not covered along with any terms, or conditions of cover. The policy document contains differ...

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Top insurance industry issues in 2018 TOP INSURANCE INDUSTRY ISSUES IN 2018

whitepaper

Oct 25, 2018

The insurance industry has gone through its own digital transformation over the past five years. With a general acceptance that digital is here to stay, most insurers have incorporated digital into their organizations, implementing ad hoc capabilities to make their business faster and cheaper, creat...

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Millennials in Insurance MILLENNIALS IN INSURANCE

whitepaper

Oct 25, 2018

This year’s report surveyed millennials across a broad spectrum of topics from the state of the industry, what millennials value most, technological advances and shortcomings, and the future of the insurance industry. The Millennial generation is defined as any person between the ages of 22 an...

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2018 Survey of Cyber Insurance Market Trends 2018 SURVEY OF CYBER INSURANCE MARKET TRENDS

whitepaper

Oct 20, 2018

The survey revealed an influx of new-to-market buyers of standalone cyber insurance, the majority of the smaller (categorized as businesses with revenues of less than $50 million) and mid-sized businesses (revenues of $50 million to $1 billion). This may reflect an already higher insurance take-up r...

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The KEY to Success for Lymphedema Products and Insurance Coverage THE KEY TO SUCCESS FOR LYMPHEDEMA PRODUCTS AND INSURANCE COVERAGE

whitepaper

Oct 20, 2018

Luna Medical, Inc. was established in 1996 in response to a need for a company that provides medical products and education for patients diagnosed with Lymphedema, Chronic Venous Disease, and Lipedema. Luna Medical continues to maintain family ownership. From our headquarters in Chicago, Illinois, w...

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The Next Generations and Insurance THE NEXT GENERATIONS AND INSURANCE

whitepaper

Oct 20, 2018

As previous generations retire and move to a life stage in which they consume fewer products and services, younger millennial and Gen Z adults between the ages of 18 and 38 are becoming more relevant to the insurance industry in terms of size and spending power. Of the global population, millennials...

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Home Insurance (Buildings & Contents) Insurance Product Information Document HOME INSURANCE (BUILDINGS & CONTENTS) INSURANCE PRODUCT INFORMATION DOCUMENT

whitepaper

Oct 17, 2018

This document is a summary of your insurance policy. It is not tailored to your individual needs and only contains a summary of the main covers and exclusions. Complete pre contractual and contractual information is provided in the policy wording, on our website and in your policy schedule. What is ...

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Insurance Outsourcing Contracts Are Changing INSURANCE OUTSOURCING CONTRACTS ARE CHANGING

whitepaper

Oct 08, 2018

The insurance industry has changed dramatically over the past decade in response to increasingly stringent regulations, changing consumer preferences and falling interest rates. As the industry has been evolving, so has insurance third-party administration (TPA) and business process outsourcing (BPO...

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Driving Sales Behavior With Non-Cash Rewards DRIVING SALES BEHAVIOR WITH NON-CASH REWARDS

whitepaper

Oct 03, 2018

In the end, you need to be rewarding your sales reps with more than just money if you want to keep them motivated and if you want your sales compensation plan to deliver on its promises.

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Change the sales rep experience, improve the customer experience CHANGE THE SALES REP EXPERIENCE, IMPROVE THE CUSTOMER EXPERIENCE

whitepaper

Oct 03, 2018

The first CRM launch truly changed the way sales were managed. We went from tracking customers on spreadsheets (and even in rolodexes) to tracking them and their attendant opportunities with software. It wasn’t long before reps started to feel the purpose of a CRM was more about preserving the...

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Pipeline Management and Forecasting Are Key to Improving the Sales Experience PIPELINE MANAGEMENT AND FORECASTING ARE KEY TO IMPROVING THE SALES EXPERIENCE

whitepaper

Oct 03, 2018

Let’s explore some of the current processes around pipeline management and forecasting and how they can be improved.

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Black Insurance BLACK INSURANCE

whitepaper

Oct 01, 2018

Black is a digital insurance company on the blockchain. Our platform connects insurance brokers directly with capital enabling them to launch their own virtual insurance companies. Thus removing the trusted third parties (Insurance Companies) from the value chain.

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The Rise of Artificial Intelligence in Insurance Applications THE RISE OF ARTIFICIAL INTELLIGENCE IN INSURANCE APPLICATIONS

whitepaper

Sep 26, 2018

The rise of Artificial Intelligence has brought in technology transformation in many industries. This presentation will show use cases in insurance that leverage the recent developments of AI. These use cases are being used across the entire insurance value chain. Artificial Intelligence is used her...

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Universal Permanent Medical Records for Better Healthcare UNIVERSAL PERMANENT MEDICAL RECORDS FOR BETTER HEALTHCARE

whitepaper

Sep 19, 2018

Medical history is handled in many different ways and forms. There are different types of diagnostic tests, patient forms, and check-ups that generate medical data, but none of these is consolidated in a consistent fashion. In the olden days, when patients were handled by family doctors and general ...

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The future of life insurance THE FUTURE OF LIFE INSURANCE

whitepaper

Sep 19, 2018

Our technology is based on epigenetic science and is evolving life insurance underwriting well beyond the realms previously thought possible by looking at and evaluating molecular signatures occurring along the epigenome. GENETIC SCIENCE. Genetic science is the study of human DNA, or genes, that con...

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Aligning behind your customer agenda ALIGNING BEHIND YOUR CUSTOMER AGENDA

whitepaper

Aug 29, 2018

Organizations become successful outperformers when they establish a customer agenda and take specific steps to align their capabilities behind it. The customer agenda is based on a deep understanding of who the customer is and what the customer needs and values, along with how the organization can d...

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How Would Individual Market Premiums Change in 2019 in a Stable Policy Environment? HOW WOULD INDIVIDUAL MARKET PREMIUMS CHANGE IN 2019 IN A STABLE POLICY ENVIRONMENT?

whitepaper

Aug 25, 2018

In recent weeks, insurers in many areas of the country have unveiled the premiums they propose to charge for individual market health insurance policies in 2019. In setting premiums for 2019, insurers are taking account of several policy changes that will be new in effect for the 2019 plan year, inc...

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Is blockchain technology the latent locus for the future of insurance? IS BLOCKCHAIN TECHNOLOGY THE LATENT LOCUS FOR THE FUTURE OF INSURANCE?

whitepaper

Aug 25, 2018

Insurance is a contract of ‘utmost good faith’. Therefore, information symmetry and trust management are the core requirements for sustainability of the business. But the changes in today’s demographics and the growth in digital interfaces.

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Insurance 2020 Innovating beyond old models INSURANCE 2020 INNOVATING BEYOND OLD MODELS

whitepaper

Aug 25, 2018

Predicting the future of insurance can be somewhat straightforward. Both the history and temperament of the industry constrain the realms of potential changes for this industry. This business is steeped in the paramount nature of its guiding principles and is equally tied to the information provided...

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Digital Transformation Piece by Piece DIGITAL TRANSFORMATION PIECE BY PIECE

whitepaper

Aug 15, 2018

Developments in the healthcare industry are unraveling like the plot twists of a suspense thriller. In an eight-month span alone, U.S. healthcare policy came to the brink of a systemic overhaul, major carriers pulled out of public exchanges, and the courts blocked two mega-insurance mergers. And yet...

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Property and Casualty Update  US PROPERTY AND CASUALTY UPDATE US

whitepaper

Aug 10, 2018

The property and casualty (P&C) market has continued to expand with the improving US economy. As the economy grows, many industries thrive and employment increases. This drives the need to protect additional risk leading to premium growth. Net written premiums grew more in 2017 than in any year ...

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Global Reinsurance Highlights 2018 GLOBAL REINSURANCE HIGHLIGHTS 2018

whitepaper

Aug 10, 2018

The Top Global Reinsurers Are Breaking Away From The Pack, we discuss why we still view business conditions as weak even after modest price increases in 2018 and a slightly upward trend in earnings anticipated for 2018 and 2019. We also outline that the sector’s strong enterprise risk manageme...

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Insuring the Insurance Business with Actionable Analytics INSURING THE INSURANCE BUSINESS WITH ACTIONABLE ANALYTICS

whitepaper

Aug 10, 2018

As insurance executives seek to better manage customers, loss ratios and risk & compliance, while ensuring profitability, actionable analytics is emerging as a critical success factor contributing to industry differentiation. Despite the emergence of technologies and applications in business int...

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STATE OF TRAVEL INSURANCE 2018 STATE OF TRAVEL INSURANCE 2018

whitepaper

Aug 10, 2018

We predict travel-insurance sales to Americans traveling outside of the country will increase 2.88% in 2018 to $2.37 billion, still a positive result but down from our 4.93% projected increase for 2017. This prediction is based on projections of percentages of covered trips, traveler ages, and trave...

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Decentralised Insurance Protocol DECENTRALISED INSURANCE PROTOCOL

whitepaper

Jul 27, 2018

The concept of insurance spans a large part of our history and its earliest roots can be traced to as far back as the 3rd B.C with the Chinese merchants. To insure their cargo against potential losses during the course of transportation, they reduced their risk by spreading them across multiple boat...

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Incentive Compensation Management: Build Versus Buy INCENTIVE COMPENSATION MANAGEMENT: BUILD VERSUS BUY

whitepaper

Jul 23, 2018

Custom ICM solutions are built for you, not auditors, so they typically don’t offer visibility into actions performed over time. Auditors may lack confidence in your homegrown system, especially if they find errors or omissions. In fact, audit risk from errors and overpayments is often the mos...

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The Three “S’s” of a Great Incentive Compensation Management System THE THREE “S’S” OF A GREAT INCENTIVE COMPENSATION MANAGEMENT SYSTEM

whitepaper

Jul 23, 2018

It all ties together. You want your sales reps to behave a certain way and close a certain amount of deals in specific verticals that match your company’s 3- and/or 5-year vision, but the systems you currently have in place to drive this behavior are not working for any number of reasons. Most...

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Why Enterprise CPQ Implementations Fail WHY ENTERPRISE CPQ IMPLEMENTATIONS FAIL

whitepaper

Jul 23, 2018

You’ve reached a certain point in the evolution of your company and you know it’s time to invest in a CPQ system. But buyer beware: There’s a certain misconception around CPQ systems as being plug-in devices or turnkey-ready overlays of your existing infrastructure, or a simple app...

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Moving Away from Spreadsheets: How to Know When It’s Time MOVING AWAY FROM SPREADSHEETS: HOW TO KNOW WHEN IT’S TIME

whitepaper

Jul 23, 2018

The spreadsheet conundrum... Joe Smith, sales director for Great Start-Up Number 5 Billion and Thirty-One, puts on a blindfold and reaches out blindly for something, ANYTHING, to help him organize his team’s deals and commissions. He’s hopeful. He’s waiting. He knows he’ll co...

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STOP LOSS COVERAGE WHITE PAPER: Maximizing Benefits, Limiting Risk STOP LOSS COVERAGE WHITE PAPER: MAXIMIZING BENEFITS, LIMITING RISK

whitepaper

Jul 20, 2018

Employers must balance the potential rewards of self-funding with risks of unexpected large claims. Stop loss insurance in a self-funded plan can help limit financial exposure of employer assets as a result of these unexpected claims. This white paper evaluates types of stop loss insurance, avoiding...

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2018 CAS PREDICTIVE ANALYTICS MARKETPLACE 2018 CAS PREDICTIVE ANALYTICS MARKETPLACE

whitepaper

Jul 18, 2018

Overcoming Predictive Modeling Stumbling Blocks in Small Commercial Insurance. while predictive modeling has proven itself to be an invaluable risk assessment tool in personal lines insurance, adoption of predictive modeling has been relatively slow in commercial insurance. Particularly for carriers...

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Accenture Technology Vision Insurance ACCENTURE TECHNOLOGY VISION INSURANCE

whitepaper

Jul 15, 2018

Insurers are feeling the pressure to reinvent their businesses to keep pace with rapidly evolving technologies, competition, regulations, types of risk and consumer expectations. Around 82 percent of the 623 insurance executives who responded to the Tech Vision 2018 survey agreed that their organiza...

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Medicalchain Whitepaper 2.1 MEDICALCHAIN WHITEPAPER 2.1

whitepaper

Jul 15, 2018

Medicalchain will enable users to give conditional access to different healthcare agents such as doctors, hospitals, laboratories, pharmacists and insurers to interact as they see fit. Each interaction with their medical data is auditable, transparent and secure, and will be recorded as a transactio...

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The Future of Claims: Unlocking the Value of Video THE FUTURE OF CLAIMS: UNLOCKING THE VALUE OF VIDEO

whitepaper

Jul 15, 2018

Processing claims is a major cost for insurers. A 2016 McKinsey report1 noted that claims management represented 28.5% of overall operating costs for European property and casualty (P&C) insurers. The claims process can also be a major source of customer dissatisfaction. Indeed, a 2015 Financial...

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What can IBM Watson do to reshape the Insurance Business? WHAT CAN IBM WATSON DO TO RESHAPE THE INSURANCE BUSINESS?

whitepaper

Jul 11, 2018

Insurance companies are experiencing unprecedented disruption from a number of market forces such as rapid digitization, rising customer expectations, changing demographics, changes in economic environments, sophisticated fraud amongst others. To rise above the disruption, Insurance companies can be...

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Analyst in Flood Insurance and Emergency Management ANALYST IN FLOOD INSURANCE AND EMERGENCY MANAGEMENT

whitepaper

Jul 02, 2018

The National Flood Insurance Program (NFIP) is the main source of primary flood insurance coverage in the United States, collecting $3.5 billion in premiums for over five million flood insurance policies. This is in contrast to the majority of other property and casualty risks, such as damage from f...

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GOT IT COVERED? INSURANCE IN A CHANGING CLIMATE GOT IT COVERED? INSURANCE IN A CHANGING CLIMATE

whitepaper

Jun 28, 2018

Climate change poses risks for insurance companies, so do responses to it by markets, businesses, consumers and governments. These risks need to be understood and addressed by insurance companies as well as insurance regulators who are responsible for the stability and soundness of insurance compani...

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CLAIMS PROCESSING, KYC, APPROVAL AND AUTOMATED PERSONALIZED DECISION MAKING TO SAVE MILLIONS ($) USING ARTIVATIC CLAIMS PROCESSING, KYC, APPROVAL AND AUTOMATED PERSONALIZED DECISION MAKING TO SAVE MILLIONS ($) USING ARTIVATIC

whitepaper

Jun 21, 2018

The insurance industry has not been immune to AI’s advancement – whether implementing robo-advisors for investment management or applying AI to insurance and loan underwriting (i.e. the Chinese search giant Baidu, which provides enhanced risk assessment capabilities). The 90% of data tha...

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FINANCIAL STATEMENTS Q4 2018 FINANCIAL STATEMENTS Q4 2018

whitepaper

Jun 21, 2018

Sunborn (Gibraltar) Limited (the ‘Company’) is a private company limited by shares incorporated and registered in Gibraltar. The registered address of Sunborn (Gibraltar) Limited is 57/63 Line Wall Road, Gibraltar and its business address is 35 Ocean Village Promenade, Gibraltar. Sunborn...

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A potential Game-changer for Insurance claim A POTENTIAL GAME-CHANGER FOR INSURANCE CLAIM

whitepaper

Jun 20, 2018

History of insurance dates back to early human society. Granaries were the earliest form of insurance (riskpooling) which over time adapted by merchants to transport their products on ships. And, in 1968, Lloyds was born in a coffee house. Between 1968 and today, the insurance industry has been work...

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Cognizant LifeAdmin Core Accelerate growth with a cloud-based life and annuities platform COGNIZANT LIFEADMIN CORE ACCELERATE GROWTH WITH A CLOUD-BASED LIFE AND ANNUITIES PLATFORM

whitepaper

Jun 20, 2018

Being future ready drives growth. Reducing overhead frees capital for business investments. As a carrier, growth is critical to survival. You need to enter new markets, launch new products and have cash available to invest in your business. Supporting constantly-changing business requirements, while...

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The evolution of Healthcare Insurance Fraud THE EVOLUTION OF HEALTHCARE INSURANCE FRAUD

whitepaper

Jun 15, 2018

The UK private healthcare market is expected to grow by 2.8% per annum in 2025 according to Persistence Market Research. This growth opportunity is attracting new healthcare insurance entrants to the market. It has been suggested that Amazon could soon target the UK in its efforts to disrupt the hea...

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Digital health and insurance for billions DIGITAL HEALTH AND INSURANCE FOR BILLIONS

whitepaper

Jun 15, 2018

The goal of DAYS project is the creation of difference factor in the value-added chain "Investment - Insurance - Health care - biotech" with more lucrative products, and redistribution of benefits to DAYS contributors. This goal is to be achieved by incentivizing end users and health provi...

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BREXIT AND THE INSURANCE SECTOR Towards 2020 and beyond BREXIT AND THE INSURANCE SECTOR TOWARDS 2020 AND BEYOND

whitepaper

Jun 15, 2018

This report provides a snapshot of opinions from within the UK insurance industry as the UK undertakes the somewhat tortuous road towards Brexit. As part of this process we have undertaken in-depth interviews with 20 senior insurance executives and policymakers. The interviews were conducted between...

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Dental Insurance With Vision and Hearing DENTAL INSURANCE WITH VISION AND HEARING

whitepaper

Jun 14, 2018

DENTAL TERMINATION All coverage under this Policy shall terminate when this Policy ceases to be in force. This Policy will end on the earlier of: a. when You fail to pay Premiums within Your Grace Period; b. when You die; or, c. the date You notify Us in writing to end this Policy. Coverage for an I...

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IVANS ANNUAL AGENCY-INSURER CONNECTIVITY IVANS ANNUAL AGENCY-INSURER CONNECTIVITY

whitepaper

Jun 06, 2018

Year over year, agencies and insurers continue to make strides in digital technology adoption. To increase ease of doing business and digital collaboration, agencies and insurers must automate distribution and service for both their current and prospective partners.

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Simplifying Insurance Claims with Digital Self-Service SIMPLIFYING INSURANCE CLAIMS WITH DIGITAL SELF-SERVICE

whitepaper

Jun 03, 2018

CallVU enables insurance companies to deliver a new engagement model that transforms simple calls into powerful, visual, digital interactions, that make existing processes more efficient and effective. Moreover, the platform has the capability to introduce new processes that previously were only ava...

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MaxGapPlus White Paper MAXGAPPLUS WHITE PAPER

whitepaper

May 30, 2018

MaxGapPlus aims to build the world’s most technologically advanced insurance company. Our first product will concentrate on the $1 billion yearly automotive GAP insurance market. Our research indicates that the insurance industry suffers from at least 7 areas that we can disrupt with blockchai...

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Ideas to Make Health Care Affordable Again IDEAS TO MAKE HEALTH CARE AFFORDABLE AGAIN

whitepaper

May 29, 2018

More Americans are concerned about health care costs (85%) that are concerned about other common worries like retirement (73%), housing (66%), and child care (49%).1 While Republicans, Democrats, and independents are divided over many healthcare issues, everyone agrees that the top health care prior...

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Life Insurance Is Your Family Protected? LIFE INSURANCE IS YOUR FAMILY PROTECTED?

whitepaper

May 25, 2018

Is your family financially protected should you take a turn for the worst? One of the most important and wisest choices you can make is purchasing a life insurance policy for you and your family. Life insurance provides a cash payout (aka. death benefit) to the policy's beneficiaries, usually yo...

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Global Insurance Industry Insights An in-depth perspective GLOBAL INSURANCE INDUSTRY INSIGHTS AN IN-DEPTH PERSPECTIVE

whitepaper

May 25, 2018

Globally, the insurance industry experienced strong premium growth in 2015, at 5.6 percent, whereas growth in 2016 is expected to be noticeably slower, at 4.4 percent. Total premiums are expected to reach €4.6 trillion, up from €4.4 trillion in 2015. What factors help explain the industry&...

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Decentralised risk management protocol for AI-enabled-IoT DECENTRALISED RISK MANAGEMENT PROTOCOL FOR AI-ENABLED-IOT

whitepaper

May 25, 2018

The insurance industry is rapidly approaching a singularity in which the traditional insurance market will be turned on its head. The insurance model is heavily regulated, slow to change, and uses outdated measuring tools to determine and assign appropriate risk. As a result of stagnation, the indus...

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Pet Insurance in the US PET INSURANCE IN THE US

whitepaper

May 22, 2018

Despite accounting for only a marginal portion of the broader Property, Casualty and Direct Insurance industry (IBISWorld report 52412), rapidly increasing consumer awareness and acceptance of industry offerings has benefited the Pet Insurance industry substantially during the current five-year peri...

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INSURANCE SERVICES ON THE BLOCKCHAIN INSURANCE SERVICES ON THE BLOCKCHAIN

whitepaper

May 20, 2018

The insurance industry has not evolved in any significant way since its inception. And yet, thanks to its positioning as a ‘must-have’ product, it remains one of the most lucrative industries in the world.

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InsCoin for Knox INSCOIN FOR KNOX

whitepaper

May 16, 2018

Insurance is multisecular because it answers the fundamental needs of every age. The first oral insurance contracts started to spread in the fourteenth century, when the merchants required another layer of safety beyond cannons to defend their assets from the dangers of sea and pirate attacks. When ...

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Blockchain Platform for Insurance-related Products BLOCKCHAIN PLATFORM FOR INSURANCE-RELATED PRODUCTS

whitepaper

May 15, 2018

Blockchain ecosystem is developing very fast. General public attention is currently captured by cryptocurrencies in general and Bitcoin in particular. Meanwhile, the blockchain ecosystem is much more than cryptocurrencies, it can and should be used in any area where transparency is needed and where ...

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SECOND MOTOR INSURANCE KEY INFORMATION SECOND MOTOR INSURANCE KEY INFORMATION

whitepaper

May 15, 2018

Pricing in the non-life insurance sector has been subject to volatility in recent years, from unsustainably low premiums to the large price increases experienced, particularly since 2014. As a result of this and other developments in the insurance sector, the Minister for Finance, Michael Noonan TD ...

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ASSURANCE THROUGH INSURANCE AND ON-ORBIT SERVICING ASSURANCE THROUGH INSURANCE AND ON-ORBIT SERVICING

whitepaper

May 10, 2018

The current satellite insurance market focuses on launch the riskiest part of a satellite’s life. Approximately two-thirds of insured satellites have coverage that encompasses launch plus one year; some are launch plus three or even five years. After the initial coverage period, additional on-...

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Catapulting Insurance into the Digital Age CATAPULTING INSURANCE INTO THE DIGITAL AGE

whitepaper

Apr 27, 2018

This Whitepaper includes market and industry information and forecasts that have been obtained from internal surveys, reports and studies, where appropriate, as well as market research, publicly available information and industry publications. Such surveys, reports, studies, market research, publicl...

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FLOOD: UNDERSTANDING THE RISK, NAVIGATING INSURANCE OPTIONS FLOOD: UNDERSTANDING THE RISK, NAVIGATING INSURANCE OPTIONS

whitepaper

Apr 25, 2018

The lack of flood insurance has ramifications beyond those for the individual business or homeowner. Uninsured floods hurt economic growth, prolong the recovery process for affected communities, and place additional burdens on taxpayers, with uninsured victims turning to government sources for assis...

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Digital Insurance 2.0: Playbooks for P&C Insurers to Win in the Digital Age DIGITAL INSURANCE 2.0: PLAYBOOKS FOR P&C INSURERS TO WIN IN THE DIGITAL AGE

whitepaper

Apr 15, 2018

R. Buckminster Fuller is often hailed as “one of the greatest minds of our times” for his comprehensive perspective on problems within the world and as a pioneer in the design of innovative technology solutions that envisioned and imagined a new future. This quote encapsulates what leadi...

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THE FUTURE OF REAL ESTATE THE FUTURE OF REAL ESTATE

whitepaper

Apr 15, 2018

Ecommerce represents almost 10% of retail sales in the U.S. and this figure is growing by nearly 15% every year. Now one of the most expensive possessions a person may sell, their home, can be sold on the ecommerce market.

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CHOOSING A COMMERCIAL INSURANCE BROKER CHOOSING A COMMERCIAL INSURANCE BROKER

whitepaper

Apr 15, 2018

Selecting a commercial insurance broker is a decision that can have a meaningful impact on the bottom line, but the process can be di¬cult to manage. To make the best choice possible, Marsh & McLennan Insurance Agency LLC (MMA) recommends that a company has a complete understanding of the pr...

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Connecting the Business of Insurance: The Connected Agency CONNECTING THE BUSINESS OF INSURANCE: THE CONNECTED AGENCY

whitepaper

Apr 10, 2018

Insurance agencies that consolidate operations onto a single agency management system are better positioned to keep pace with the digital forces driving customer expectations. In fact, 50% of agents highlight the need for new and innovative products to grow their businesses.4 Agencies are able to ma...

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Core Super MySuper OTHER IMPORTANT INFORMATION – INSURANCE CORE SUPER MYSUPER OTHER IMPORTANT INFORMATION – INSURANCE

whitepaper

Mar 31, 2018

This cover can help reduce the financial impact on your family in the event of sickness, disability, or worse. The premiums are paid from your superannuation account which means they needn’t impact your weekly family budget. From 2013-2018, Intrust Super has provided its members the ‘Bes...

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Reinventing the Insurance Enterprise through Digital Reimagination REINVENTING THE INSURANCE ENTERPRISE THROUGH DIGITAL REIMAGINATION

whitepaper

Mar 30, 2018

Today’s insurance ecosystem is characterized by complex business models, strict regulations, and fickle customer attitudes. Therefore, it is imperative that insurers embrace digital capabilities to tackle these challenges proactively to overcome any obstacles to growth, portability, and even s...

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Cyber Breach Insights Key Drivers Behind Cyber Insurance Claims CYBER BREACH INSIGHTS KEY DRIVERS BEHIND CYBER INSURANCE CLAIMS

whitepaper

Mar 29, 2018

Law firm Clyde & Co and risk analytics platform Corax have collaborated to bring you a joint white paper identifying the key drivers of frequency and cost for cyber insurance claims. This paper moves beyond major breaches to examine the day to day breaches that most businesses are experiencing. ...

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Combating Insurance Claims Fraud COMBATING INSURANCE CLAIMS FRAUD

whitepaper

Mar 25, 2018

Insurance companies should consider the possibility that 10 percent to 20 percent of all claims may be fraudulent. The impact is enormous. Fraud losses weaken an insurer’s financial position and undermine its ability to offer competitive rates and to underwrite reputable and potentially profit...

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Turbulence ahead The future of general insurance TURBULENCE AHEAD THE FUTURE OF GENERAL INSURANCE

whitepaper

Mar 22, 2018

Insurance institutions aren’t known for chasing trends. And maybe you wouldn’t want them to be. For an industry where customers are best served by the sober assessment of risk, there’s something reaffirming about the industry’s steady bearing in FinTech’s choppy wake. B...

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RESIDENTIAL FLOOD INSURANCE IN PUERTO RICO RESIDENTIAL FLOOD INSURANCE IN PUERTO RICO

whitepaper

Mar 20, 2018

Flood insurance in Puerto Rico has attracted media and policymaker attention since Hurricanes Irma and Maria devastated the island in late summer 2017. One reason is the incredibly low take-up rate for flood insurance, which left some residents financially vulnerable following flood damage from two ...

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THE IMPACT OF ARTIFICIAL INTELLIGENCE ON THE INSURANCE SECTOR THE IMPACT OF ARTIFICIAL INTELLIGENCE ON THE INSURANCE SECTOR

whitepaper

Mar 20, 2018

For the past few years, Artificial Intelligence (AI) has been rolled out with spectacular speed in an increasing number of areas, such as medicine, the auto industry, finance, manufacturing, agriculture, and marketing. This expansion lies at the crossroads of three major technological developments: ...

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Life Insurance in Estate Planning LIFE INSURANCE IN ESTATE PLANNING

whitepaper

Mar 20, 2018

Life insurance sometimes called liquidity insurance or a clean-up fund is a contract under which one party (the insured and/or owner) makes payments (premiums) to another party (the insurer) for a specified term. In return, the insurer pays the insured's estate or a third party, called the benef...

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FEARLESS INNOVATION INSURTECH AS THE CATALYST FOR CHANGE WITHIN INSURANCE FEARLESS INNOVATION INSURTECH AS THE CATALYST FOR CHANGE WITHIN INSURANCE

whitepaper

Mar 20, 2018

Insurtech is in good health. 2017 was characterized by strong growth, an increase in technological maturity, and the continued development of local and regional hubs around the world. Europe and Asia are playing a more significant role than in the past, and insurers are forming more partnerships tha...

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Letting Insurance Asset Data Speak for Itself LETTING INSURANCE ASSET DATA SPEAK FOR ITSELF

whitepaper

Mar 20, 2018

This paper seeks to explain high-level trends in the asset allocation of major life insurers across eight Asian markets over the last four years to 2015, using data collected from various regulatory and audited sources, enriched with subjective commentaries from market participants. This research ai...

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Collective Intelligence: Filling the Insurance Talent Gap COLLECTIVE INTELLIGENCE: FILLING THE INSURANCE TALENT GAP

whitepaper

Mar 15, 2018

This white paper discusses how collective intelligence can help insurers optimize the knowledge and capabilities of employees, machines, and external talent; assure that standards and practices remain consistent; improve decision making, and distinguish their brand.

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The Profitability of Health Insurance Companies THE PROFITABILITY OF HEALTH INSURANCE COMPANIES

whitepaper

Mar 15, 2018

Despite significant initial financial losses in the individual market after the key provisions of the Affordable Care Act (ACA) took effect, health insurer profitability in the individual market has risen due to substantial premium increases, government premium tax credits that pay for those premium...

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World insurance in 2017: solid, but mature life markets weigh on growth WORLD INSURANCE IN 2017: SOLID, BUT MATURE LIFE MARKETS WEIGH ON GROWTH

whitepaper

Mar 15, 2018

In this edition of sigma, Swiss Re Institute examines the development of premiums in the global primary insurance industry (direct premiums written) for the life and non-life sectors. We also analyse profitability trends and provide an outlook for the sectors in the context of industry trends as wel...

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Shining new light on European insurance M&A SHINING NEW LIGHT ON EUROPEAN INSURANCE M&A

whitepaper

Mar 14, 2018

Using SFCR data and the Solvency II appraisal value technique to gain new insights into recent transactions. One of the consequences of Solvency II has been the requirement for all EU insurers to publish standardized annual information in the form of the Solvency and Financial Condition Report (SFCR...

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GOVERNMENT CLOUD GOVERNMENT CLOUD

whitepaper

Mar 12, 2018

stems through the AWS GovCloud (US) offering. GovCloud (US) is compliant with the Defense Department‘s cloud security information impact levels 2, 4 and 5. Steve Porter, an engineering fellow at Raytheon, said the company used AWS’ authorization, authentication, and logging services to m...

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Big Data and Insurance: Implications for Innovation, Competition and Privacy BIG DATA AND INSURANCE: IMPLICATIONS FOR INNOVATION, COMPETITION AND PRIVACY

whitepaper

Mar 01, 2018

Advances in big data analytics, artificial intelligence and the Internet of Things promise to fundamentally transform the insurance industry and the role data plays in insurance. New sources of digital data, for example in online media and the Internet of Things, reveal information about behaviors, ...

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Factors Influencing 2019 Premiums in the Individual Market FACTORS INFLUENCING 2019 PREMIUMS IN THE INDIVIDUAL MARKET

whitepaper

Feb 25, 2018

Health insurance providers are already starting the process of making decisions about market participation, product offerings, and pricing for the 2019 plan year. The individual market faces challenges including high premiums and high premium increases, fewer plan choices for many consumers, lower-t...

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Catalyzing the Shift to Digital Insurance 2.0 CATALYZING THE SHIFT TO DIGITAL INSURANCE 2.0

whitepaper

Feb 20, 2018

Steve Case’s quotes are a precise reflection of the insurance industry and portend the future. Remember when new startups announced their entry and plans for the insurance market as digital insurers offering innovative, personalized products and services? We thought many of them were weird and...

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Enterprise Counterparties:Mortgage Insurers ENTERPRISE COUNTERPARTIES:MORTGAGE INSURERS

whitepaper

Feb 16, 2018

Fannie Mae and Freddie Mac (the Enterprises) operate under congressional charters to provide liquidity, stability, and affordability to the mortgage market. Those charters, which have been amended from time to time, authorize the Enterprises to purchase residential mortgages and codify an affirmativ...

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Enterprise Counterparties Mortgage Insurers ENTERPRISE COUNTERPARTIES MORTGAGE INSURERS

whitepaper

Feb 16, 2018

Fannie Mae and Freddie Mac (the Enterprises) operate under congressional charters to provide liquidity, stability, and affordability to the mortgage market. Those charters, which have been amended from time to time, authorize the Enterprises to purchase residential mortgages and codify an affirmativ...

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INSURANCE SECTOR TRENDS: 2017 YEAR END REVIEW AND FORECAST FOR 2018 INSURANCE SECTOR TRENDS: 2017 YEAR END REVIEW AND FORECAST FOR 2018

whitepaper

Feb 15, 2018

2018 will be a dramatic year for the insurance industry. Geopolitical and economic developments will impact the industry. From the devastation towards the end of 2017 and in early 2018, it seems clear that the industry will continue to see an increase in natural disasters. These terrible events, of ...

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Experiential Travel EXPERIENTIAL TRAVEL

whitepaper

Feb 15, 2018

As the popularity of international travel continues to grow and evolve for accomplished individuals, so too will the trend of purchasing memorable and thrilling experiences. Already, the marketplace for this industry is brimming with options; there’s no question it’s an exciting time to ...

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How Blockchain Technology and AI Can Deliver Insurance Innovations HOW BLOCKCHAIN TECHNOLOGY AND AI CAN DELIVER INSURANCE INNOVATIONS

whitepaper

Feb 12, 2018

Today's commercial and home security monitoring systems produce an enormous amount of big data designed to alert users after an event has occurred. We believe that no system exists to continuously collect and analyze that data, utilizing it to predict, alert and prevent risky behavior autonomous...

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STRUCTURING MULTINATIONAL INSURANCE
PROGRAMS FOR THE MIDDLE MARKET STRUCTURING MULTINATIONAL INSURANCE PROGRAMS FOR THE MIDDLE MARKET

whitepaper

Feb 05, 2018

US companies of all sizes who establish operations worldwide will find new exposures ranging from operational, financial, strategic, hazard, to regulatory. These companies benefit greatly from multinational insurance programs designed to respond in a way that is consistent with their objectives no m...

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Coverage in an age of healthcare change and uncertainty COVERAGE IN AN AGE OF HEALTHCARE CHANGE AND UNCERTAINTY

whitepaper

Jan 25, 2018

The enactment of the Affordable Care Act (ACA), as well as the uncertainty surrounding many of its provisions as a whole, continue to affect the healthcare industry. Notably, complex risks arise due to the evolving nature of the healthcare system, as well as potential effects of additional changes i...

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The future of insurance Re-defining the sector THE FUTURE OF INSURANCE RE-DEFINING THE SECTOR

whitepaper

Jan 25, 2018

Today’s technology is almost unrecognisable in comparison. But the pace at which consumers adopt new technologies is phenomenal. Almost all consumers (95%) are aware of driverless cars, with around a fifth (17%)2 saying they’re likely to take up driverless car technology in the next year...

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Drones: The Insurance Industry’s Next Game-Changer DRONES: THE INSURANCE INDUSTRY’S NEXT GAME-CHANGER

whitepaper

Jan 25, 2018

In this white paper, we will discuss the rapid growth of drone technology, what it will take for drones to have a real business impact, and how several industries are already experimenting with drones. We will also cite four realistic scenarios for employing drones in the insurance industry

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The Future of Insurance for the Unbanked and Cryptoassets THE FUTURE OF INSURANCE FOR THE UNBANKED AND CRYPTOASSETS

whitepaper

Jan 24, 2018

This Whitepaper in current form is being circulated for general information and to invite investor feedback only on the PolicyPal Network as presently conceived, and is subject to review and revision by the directors of the Token Issuer, the advisers, and/or legal advisers of the Token Issuer. Pleas...

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The Future of General Insurance Report 2017 THE FUTURE OF GENERAL INSURANCE REPORT 2017

whitepaper

Jan 20, 2018

Millennials’ craving for the personal touch should also inform product design. Millennials are suspicious of off-the-shelf insurance policies, perceiving them to be poor value and irrelevant to their needs of Generation Rent. Instead, they want to take control of what they insure and for how l...

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AXIS HU PDS AXIS HU PDS

whitepaper

Jan 17, 2018

Welcome to the Axis Residential Strata Insurance Policy. This Product Disclosure Statement (PDS) and Policy wording has been prepared to assist You in understanding the Axis Residential Strata Insurance Policy so that You are able to make an informed decision whether it suits Your specific insurance...

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Creating a network for the digital insurer CREATING A NETWORK FOR THE DIGITAL INSURER

whitepaper

Jan 05, 2018

The disruption brought about by digital technology is fundamentally changing the dynamics of the global insurance industry. Consumers expect anytime, anywhere access with a customer experience on par with the best online retail brands. This is putting tremendous pressure on many insurers' core n...

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TAX REFORM: WHAT INDEPENDENT INSURANCE AGENTS & BROKERS NEED TO KNOW TAX REFORM: WHAT INDEPENDENT INSURANCE AGENTS & BROKERS NEED TO KNOW

whitepaper

Jan 03, 2018

This document is not meant to be an exhaustive analysis of all provisions of the law that may impact independent insurance agents and brokers, as the law’s effect will vary depending on the individual circumstances of tax filers. Big “I” members are encouraged to consult with their...

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DRIVING EFFICIENCY IN CLAIMS OPERATIONS DRIVING EFFICIENCY IN CLAIMS OPERATIONS

whitepaper

Dec 30, 2017

Today, insurers around the world face a common challenge to grow the business while remaining profitable. Uncertain economic conditions, regulatory pressures, operational inefficiencies, and the need for improved transparency and risk management only add to the complexity of this task. For health in...

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A Guide to Credit Insurance A GUIDE TO CREDIT INSURANCE

whitepaper

Dec 30, 2017

In the face of ongoing uncertainty surrounding the U.S. economic recovery, including the unpredictability of budgetary decisions in Congress, continued high unemployment and weak consumer demand, the Eurozone crisis, and ongoing tumult in the Middle East, the domestic and international economic clim...

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The 2017 Atlantic Hurricane Season; Insurance Coverage for Harvey THE 2017 ATLANTIC HURRICANE SEASON; INSURANCE COVERAGE FOR HARVEY

whitepaper

Dec 30, 2017

The 2017 Atlantic hurricane season is already one of the most devastating in history. In late August, Harvey struck at the heart of Houston, Texas, and dropped 51.88 inches of rainfall in Texas, the highest rainfall total to date for any Atlantic tropical cyclone in the United States and the fifth h...

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INSURANCE AND THE EVOLUTION OF AUTOMATED DRIVING SYSTEMS INSURANCE AND THE EVOLUTION OF AUTOMATED DRIVING SYSTEMS

whitepaper

Dec 30, 2017

This white paper explores the important questions that need to be addressed as automation in cars continues to evolve. The first section defines the levels of development of autonomy, examines how automated driving systems (ADS) can be integrated into the existing driver-operated environment and con...

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THE INSURANCE INDUSTRY AS A DIGITAL BUSINESS THE INSURANCE INDUSTRY AS A DIGITAL BUSINESS

whitepaper

Dec 25, 2017

This is a time of both great opportunity and great challenge for what has been traditionally viewed as a business that is slow to change - the Insurance Industry. Economic recession and recovery. Public demands for higher levels of trust and transparency. Geographic and demographic shifts. The on-de...

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Top 10 Trends in Property & Casualty Insurance 2018 TOP 10 TRENDS IN PROPERTY & CASUALTY INSURANCE 2018

whitepaper

Dec 20, 2017

Technology is evolving rapidly and disrupting the way business processes are handled. Emerging technologies are transforming every aspect of the insurance business and property and casualty insurers are adjusting by adapting InsurTech capabilities.

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The future of personal insurance THE FUTURE OF PERSONAL INSURANCE

whitepaper

Dec 20, 2017

Personal insurance is and will always be a numbers game where each insurer must reach a critical mass of customers for each personal product on offer to make the products viable and hence be able to pay claims and ultimately company operational costs and shareholder dividends.

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Life and Health insurance in the world we inhabit LIFE AND HEALTH INSURANCE IN THE WORLD WE INHABIT

whitepaper

Dec 06, 2017

There are a multitude of potential futures for Life and Health insurers in an increasingly volatile world. The rapid and unprecedented pace of change will drive out old business models and allow new ones to flourish. But what are the drivers and trends shaping and forming the industry and which oppo...

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Top-10 Technology Trends in Life Insurance: 2018 TOP-10 TECHNOLOGY TRENDS IN LIFE INSURANCE: 2018

whitepaper

Dec 05, 2017

Like other sectors, life insurance is navigating its way through a wave of new digital technologies. The rapid evolution of InsurTech capabilities is pressuring traditional life insurance firms to adapt to a quickly-changing market that values agility. What is driving these changes? Intensifying com...

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Technological innovations in the insurance industry TECHNOLOGICAL INNOVATIONS IN THE INSURANCE INDUSTRY

whitepaper

Dec 04, 2017

Today, the insurance industry is considered among the most innovative industries in the world. This process is primarily driven by factors, such as the development of technologies that are being implemented at different stages of the provision of insurance services. The insurance company’s gro...

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Preparing for the unexpected with Umbrella & Excess coverage PREPARING FOR THE UNEXPECTED WITH UMBRELLA & EXCESS COVERAGE

whitepaper

Dec 01, 2017

A third-party contractor, a young man in the prime of his life with a wife and several minor children, is injured while unloading a piece of heavy equipment from the insured’s trailer. Initially, the injury appeared to be a straightforward back injury until the individual suffered a stroke whi...

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THE RISE OF INSURTECH THE RISE OF INSURTECH

whitepaper

Nov 30, 2017

Insurers recognize that the everyday lives of their customers are being transformed by new technologies. They also recognize that this transformation is affecting their own industry, which is undergoing an ecosystem disruption caused by technology-driven new entrants and existing competitors alike. ...

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The CSFI survey of the risks facing insurers THE CSFI SURVEY OF THE RISKS FACING INSURERS

whitepaper

Nov 30, 2017

This survey identifies the risks, or "Banana Skins", facing the global insurance industry in the first half of 2017 as seen by a sample of 836 practitioners and close observers of the scene in 52 countries. It comes at a time when the world economy is showing stronger signs of growth but t...

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Technology and innovation in the insurance sector TECHNOLOGY AND INNOVATION IN THE INSURANCE SECTOR

whitepaper

Nov 30, 2017

Innovation through new technologies is a key driver of change in the financial sector and this has led to immeasurable efficiency gains, even though these changes can initially be accompanied by uncertainty and doubt. The insurance sector is no exception to such developments, with possibilities of n...

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Five key ways to help stabilize the individual and small group health insurance markets in 2018 FIVE KEY WAYS TO HELP STABILIZE THE INDIVIDUAL AND SMALL GROUP HEALTH INSURANCE MARKETS IN 2018

whitepaper

Nov 30, 2017

This paper presents five key considerations for promoting market stability for the 2018 and 24319 benefit years under the assumption that they are transitional years where many current ACA rules remain in effect. For the purpose of this paper, market stability is defined as the creation of a marketp...

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Haulage Liability Insurance HAULAGE LIABILITY INSURANCE

whitepaper

Nov 28, 2017

This insurance is provided by NMU (Specialty) Ltd, which is registered in England. NMU is authorised and regulated by the Financial Conduct Authority, reference number 310539. The following summary does not contain the full terms and conditions of the contract, which can be found in your policy docu...

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"INSURANCE AGENCY DATA ANALYSIS AND REPORTS" "INSURANCE AGENCY DATA ANALYSIS AND REPORTS"

whitepaper

Nov 25, 2017

Approximately 90% of insurance agencies are currently using some type of system whether it be paper files and Excel spreadsheets, a generic CRM, or an industry-specific agency management system to operate their day-today business, analyze their data, and grow their agency.1 However, many agents and ...

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Empowering Insurance Companies with In-Memory Computing EMPOWERING INSURANCE COMPANIES WITH IN-MEMORY COMPUTING

whitepaper

Nov 25, 2017

In a time when innovative technologies are upending many industries, the insurance industry faces great opportunities – and significant challenges. Growth continues to be strong: in 2014, the insurance industry was responsible for about 2.6% of U.S. GDP, and net premiums in the U.S. are contin...

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InsurChain: A Decentralized Insurance Blockchain Ecosystem INSURCHAIN: A DECENTRALIZED INSURANCE BLOCKCHAIN ECOSYSTEM

whitepaper

Nov 25, 2017

Insurance is a huge yet fast-growing industry with unlimited market potentials. Global premium income is 4.8 trillion USD. With the development of the economy, insurance demands are growing rapidly all over the world. According to Global insurance review 2017, and outlook in 2018 from Swiss Re, the ...

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Is Empathy Enough? How Companies Build Real Connections with Customers IS EMPATHY ENOUGH? HOW COMPANIES BUILD REAL CONNECTIONS WITH CUSTOMERS

whitepaper

Nov 24, 2017

When customers are treated with empathy, they are more likely to be satisfied with their experiences and, ultimately, more loyal to the companies that serve them. But for frontline employees, being empathetic can be emotionally taxing, especially when customers are upset. Companies that train frontl...

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Preparing for the unexpected with Umbrella & Excess coverage PREPARING FOR THE UNEXPECTED WITH UMBRELLA & EXCESS COVERAGE

whitepaper

Nov 20, 2017

CNA and Advisen are proud to release a white paper that highlights the advantages of getting umbrella & excess insurance coverage to keep liability claims from reaching crisis levels. The paper underscores that in terms of crisis management expense coverage, getting an umbrella insurance policy ...

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Make Insurance Fair and Accessible MAKE INSURANCE FAIR AND ACCESSIBLE

whitepaper

Nov 01, 2017

Etherisc is building a platform for decentralized insurance applications. With visionaries like you, we can create a platform full of opportunities across the industry’s value chain. Corporates, large and small, not-for-profit groups and insurtech startups can all come together to provide bett...

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Reinvent Insurance with Cognitive Computing to Reap Attractive Margins REINVENT INSURANCE WITH COGNITIVE COMPUTING TO REAP ATTRACTIVE MARGINS

whitepaper

Oct 25, 2017

As a way to indemnify ourselves against potential loss, there is no better alternative to insurance. The insurance industry has been overly focused on improving underwriting standards and reducing administration costs for long. Claims management has gotten the short shrift until a steep rise in loss...

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How robotic process transformation drives growth for insurance HOW ROBOTIC PROCESS TRANSFORMATION DRIVES GROWTH FOR INSURANCE

whitepaper

Oct 25, 2017

“Robots,” in this context are software routines that can be programmed to use an insurance carrier’s enterprise applications to gather, read/understand, react to and execute new data entry activity according to business rules. Robots behave just like a well-trained employee. From t...

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2017 Insurance Barometer Study 2017 INSURANCE BAROMETER STUDY

whitepaper

Oct 25, 2017

The Insurance Barometer is an annual study that tracks the perceptions, attitudes, and behaviors of consumers in the United States. We seek to understand their financial concerns and how they think and act with regard to financial products, with a particular focus on life insurance. In January 2017,...

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Transformation of insurance companies in a digital world TRANSFORMATION OF INSURANCE COMPANIES IN A DIGITAL WORLD

whitepaper

Oct 25, 2017

Firmly in the grip of a digital revolution, insurance companies are looking for new ways to sustainably grow their top and bottom lines and retain customer loyalty. Online insurers, aggregators and auction sites have reduced premiums for customers. The rapid maturing of mobility based technology is ...

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Digital transformation for insurers DIGITAL TRANSFORMATION FOR INSURERS

whitepaper

Oct 25, 2017

The insurance industry today is at a transformative stage, where it is witnessing an unrelenting march of digitization and a proliferation of devices. This is leading towards an integrated experience across multiple channels. Thereby, it not only enhances existing business models but also impacts ne...

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LIFE INSURANCE SALES & SERVICE LIFE INSURANCE SALES & SERVICE

whitepaper

Oct 20, 2017

Life insurance is one of the least purchased coverages in the United States. In fact, less than 3 in 5 people in the US have any type of life insurance.1 Of the 59% of people with coverage, 1/3 just have a basic group policy in place2 the vast majority of which are employee-sponsored. This number is...

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Motor car Insurance MOTOR CAR INSURANCE

whitepaper

Oct 18, 2017

The market for motor insurance is seen by many as being dysfunctional. Premiums rise and fall sharply and unpredictably. Fraud against the industry is widespread but the relationship between the industry and car hire and repairers and legal claims firms seems equally dubious. For these reasons the i...

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Human Behaviour and the Life Insurance Application Journey HUMAN BEHAVIOUR AND THE LIFE INSURANCE APPLICATION JOURNEY

whitepaper

Oct 17, 2017

Life insurance is a tool that provides protection and financial security to people in cases of unexpected death or injury, allowing their families to carry on their way of living and reduce the burden on government social welfare initiatives. Despite its near-universal applicability as a risk manage...

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2017 SURVEY OF CYBER INSURANCE MARKET TRENDS 2017 SURVEY OF CYBER INSURANCE MARKET TRENDS

whitepaper

Oct 15, 2017

This whitepaper is based on the survey responses and comments of 270 brokers/agents and 125 underwriters from around the world, all directly involved in Cyber insurance business. We sincerely thank everyone who contributed; without their assistance, this survey’s outcomes, some of which are of...

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Improve Auto Insurance Profitability With Location-Based Crash Risk Intelligence IMPROVE AUTO INSURANCE PROFITABILITY WITH LOCATION-BASED CRASH RISK INTELLIGENCE

whitepaper

Sep 25, 2017

The highly competitive $230-billion auto insurance industry has continued to face increasing losses, as indicated by their combined ratio measures being greater than 100% for both private passenger and commercial auto lines of business. This ongoing financial pressure is forcing these insurance comp...

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THREE UNIQUE WAYS TO IMPROVE THE ECONOMICS OF INSURANCE WITH ARTIFICIAL INTELLIGENCE THREE UNIQUE WAYS TO IMPROVE THE ECONOMICS OF INSURANCE WITH ARTIFICIAL INTELLIGENCE

whitepaper

Sep 20, 2017

Insurance is particularly people and paperwork-intensive. Both Underwriting and Claims Management revolve around the production or retrieval of information from documents such as a policy or a claim package that capture the specifics of the insured’s case. These are particularly time-consuming...

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Changing Role of Advisors in Insurance CHANGING ROLE OF ADVISORS IN INSURANCE

whitepaper

Sep 15, 2017

The insurance distribution landscape has witnessed significant changes in recent times due to the emergence of digital channels such as mobile apps, and the proliferation of online aggregators. The changes are being driven in part by the technological advancements and evolving customer behaviors and...

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Smarter Home Insurance Policy Wording SMARTER HOME INSURANCE POLICY WORDING

whitepaper

Sep 15, 2017

In return for payment of the premium shown in the schedule, we agree to insure you, subject to the terms and conditions contained in or endorsed on this policy, against loss or damage you sustain or legal liability you incur for accidents happening during the period shown in the schedule. When drawi...

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Hurricane Harvey Highlights Protection Gap HURRICANE HARVEY HIGHLIGHTS PROTECTION GAP

whitepaper

Sep 10, 2017

Hurricane Harvey came ashore in Texas on August 25, becoming the strongest hurricane to make landfall in the US since 2004. Catastrophic flooding across a broad section of eastern Texas and into southern Louisiana has caused significant property damage and disrupted industrial production and supply ...

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Seven Key Trends Shaping the Future of Work in the Insurance Industry SEVEN KEY TRENDS SHAPING THE FUTURE OF WORK IN THE INSURANCE INDUSTRY

whitepaper

Aug 30, 2017

The Work Ahead is a research series providing insight and guidance on how businesses – and jobs – will evolve in an economy of algorithms, automation and AI. In this installment, we look at the insurance industry. Our research shows that insurers are highly aware of the need to rethink t...

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TECHNOLOGY VISION FOR INSURANCE 2017 TECHNOLOGY VISION FOR INSURANCE 2017

whitepaper

Aug 25, 2017

Digital technology continues to reshape the insurance industry at an unprecedented and quickening pace. In our Technology Vision 2017 research, 87 percent of insurance respondents agreed that we have entered an era of technological advancement that is no longer marked by linear progression, but by a...

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INSURTECH CAUGHT ON THE RADAR INSURTECH CAUGHT ON THE RADAR

whitepaper

Aug 25, 2017

InsurTech the term that captures the many and various facets of new uses of digital technology in the insurance industry have been attracting a great deal of interest from founders, investors, and incumbents. In line with this, investments in InsurTechs have increased significantly. A good chunk of ...

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Digital Transformation in Insurance: The Industry Gains Momentum DIGITAL TRANSFORMATION IN INSURANCE: THE INDUSTRY GAINS MOMENTUM

whitepaper

Aug 25, 2017

Everyone in insurance seems to be talking about digital CEOs and frontline employees, agents and adjusters, tech suppliers and InsurTech startups, and more. This is no surprise given the speed at which businesses and society are becoming digital, the customer expectations that have resulted, and the...

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Defining the Future of Digital Insurance DEFINING THE FUTURE OF DIGITAL INSURANCE

whitepaper

Aug 25, 2017

Empowered consumers, innovative competitors and new technologies are bringing massive changes to the insurance industry. No longer can insurers sell traditional commoditized indemnification products through a network of traditional agents. Now they must create an entirely new set of products that in...

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TOP 5 AREAS OF FOCUS FOR INSURERS IN DIGITAL TRANSFORMATION TOP 5 AREAS OF FOCUS FOR INSURERS IN DIGITAL TRANSFORMATION

whitepaper

Aug 25, 2017

The insurance industry has often been accused of being slow to adopt new technological innovations and techniques, leading to a slower pace of change even as other industries such as retail, banking, travel, and others have been fundamentally disrupted and subsequently transformed. While the resilie...

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Technology Helps Insurers Unleash the Possibilities of Digitization TECHNOLOGY HELPS INSURERS UNLEASH THE POSSIBILITIES OF DIGITIZATION

whitepaper

Aug 25, 2017

Creative new companies are employing digitization to reimagine the traditional broker-based insurance systems. Peer-to-peer (P2P) insurance models promise to save money through reduced overhead costs, improved transparency, and more efficiency. One P2P startup, Lemonade in the U.S. received $13 mill...

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Teambrella: A Peer­to­Peer Insurance System TEAMBRELLA: A PEER­TO­PEER INSURANCE SYSTEM

whitepaper

Aug 25, 2017

Insurance is a service that is currently very non¬transparent. Most notably, the reasoning behind the calculation of premiums is not disclosed and, therefore, cannot be considered intrinsically fair by customers. For auto insurance in the USA, a typical loss ratio is about 60 percent and adjustm...

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MEDICARE SUPPLEMENT INSURANCE MEDICARE SUPPLEMENT INSURANCE

whitepaper

Aug 20, 2017

Medicare Supplement insurance, sold by private companies, can help pay some of the health care costs that Medicare does not cover, such as copayments, coinsurance, and deductibles. If you have Medicare and you buy a supplemental policy, Medicare will pay its share of the Medicare-approved amount for...

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Insurance against Disruption INSURANCE AGAINST DISRUPTION

whitepaper

Aug 20, 2017

New disruptive forces continue to emerge, changing the insurance landscape constantly. Insurers must respond with a dual 'Renew-New' strategy one that focuses on renewing core capabilities while simultaneously building new capabilities so that they are well positioned for a place in the new ...

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2017 Future of Claims Study 2017 FUTURE OF CLAIMS STUDY

whitepaper

Aug 10, 2017

The auto insurance industry is no exception to this trend. Increasingly customers are looking for digital solutions to meet their auto insurance needs and that includes claims processing. There are a number of dynamics driving change in today’s auto claims industry, including increased claim f...

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THE TREND THAT’S RESHAPING THE INSURANCE INDUSTRY THE TREND THAT’S RESHAPING THE INSURANCE INDUSTRY

whitepaper

Aug 10, 2017

Insurance is an inherently data-driven industry. Information you need is in your management system – you just have to understand how to use it. Data analytics is a software-driven discipline, offering you the tools to gain a deeper understanding of your agency or brokerage “Analytics is ...

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ANALYSIS OF THE IMPACTS OF THE ACA’S TAX ON HEALTH INSURANCE IN 2018 AND BEYOND ANALYSIS OF THE IMPACTS OF THE ACA’S TAX ON HEALTH INSURANCE IN 2018 AND BEYOND

whitepaper

Aug 08, 2017

This report provides an analysis of the impact of the tax on health insurance premiums beginning in 2018. In addition, we provide the allocation of these taxes across each state and by a line of business and also describe the potential effect that the taxes and increased premiums will have on enroll...

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Home Insurance Policy Wording HOME INSURANCE POLICY WORDING

whitepaper

Aug 01, 2017

This is a summary of cover highlighting the main features and benefits as well as the general conditions and exclusions of this policy provided by UK General. Full terms and conditions can be found from page 15 onwards in this booklet, which will be provided when you purchase your policy or at any t...

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Zeus Shield Smart Insurance Market V0.7 ZEUS SHIELD SMART INSURANCE MARKET V0.7

whitepaper

Jul 22, 2017

Insurance is an important tool for transferring risks. By nature, it is a form of mutual assistance between different groups. People transfer the risks that they cannot or do not want to bear to the insurer collectively and thus pay a small but regular amount in exchange for enormous economic guaran...

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Robots have arrived in the insurance industry. Are you ready? ROBOTS HAVE ARRIVED IN THE INSURANCE INDUSTRY. ARE YOU READY?

whitepaper

Jul 20, 2017

Robots are invading the insurance industry. And CEOs are welcoming them in. But as insurers become more sophisticated in their use of robotics and hand over ever-more control to robots, deeper concerns are emerging.

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CYBER INSURANCE: MANAGING THE RISK CYBER INSURANCE: MANAGING THE RISK

whitepaper

Jul 20, 2017

Effective cyber security is not just about technology it involves the whole business and how well risks are managed. Best practice cyber risk management involves understanding inherent risk measurement, risk mitigation and residual risk management. Increasingly, cyber insurance is being used as a ve...

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Robotic Process Automation in Insurance Capgemini ROBOTIC PROCESS AUTOMATION IN INSURANCE CAPGEMINI

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Jul 15, 2017

Insurers have been accustomed to the current market realities of relatively low premium growth, rising loss costs, and ever-increasing customer expectations. Over the years, carriers have focused on adapting the business to address the challenges posed by these conditions. Senior management, busines...

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Multi-Modal Insurance: The Balancing Act of Staying Relevant While Preparing for the Future MULTI-MODAL INSURANCE: THE BALANCING ACT OF STAYING RELEVANT WHILE PREPARING FOR THE FUTURE

whitepaper

Jul 15, 2017

The insurance industry is on the cusp of reinvention. As part of a broader digital transformation, insurers are incorporating tech capabilities to offer consumers personalized experiences and innovative product mixes. Some are experimenting with micro insurance to satisfy new market segments and the...

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Digital Disruption of the Insurance Industry DIGITAL DISRUPTION OF THE INSURANCE INDUSTRY

whitepaper

Jun 25, 2017

Deep in the DNA of every insurance company is the habit of keeping an eye on the horizon, preparing for coming storms. The digitizing of the industry is well underway and promises to bring fresh waves of disruption. Already, digitization has transformed customer expectations. It’s lowering the...

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Technology and innovation in the insurance sector TECHNOLOGY AND INNOVATION IN THE INSURANCE SECTOR

whitepaper

Jun 20, 2017

Innovation through new technologies is a key driver of change in the financial sector and this has led to immeasurable efficiency gains, even though these changes can initially be accompanied by uncertainty and doubt. The insurance sector is no exception to such developments, with possibilities of n...

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THE RISE OF THE ROBO-INSURER THE RISE OF THE ROBO-INSURER

whitepaper

Jun 20, 2017

The emerging technologies of robotics, artificial intelligence, and unmanned vehicles are already providing us with enhanced capabilities to work faster, more accurately, more consistently and more safely. As these technologies evolve and, in many cases, converge, the scope of what can be automated ...

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Token Mechanics for a Decentralized Insurance Platform TOKEN MECHANICS FOR A DECENTRALIZED INSURANCE PLATFORM

whitepaper

Jun 19, 2017

The purpose of this document, which will be part of the Etheric White paper soon, is to give an analysis of basic principles of insurance and a deduction on how we can build a token system on top of these principles, which is sustainable and sound.

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Life Insurance in Australia Consumer Behaviour Transformation LIFE INSURANCE IN AUSTRALIA CONSUMER BEHAVIOUR TRANSFORMATION

whitepaper

Jun 15, 2017

Australia’s first Life insurance policy was written in 1833. More than 180 years later, the old adage that “Life insurance is sold, not bought” continues to be the accepted wisdom by many. However, does that mantra still hold true? The role of financial advisers or insurance agents...

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Technology and insurance: themes and challenges TECHNOLOGY AND INSURANCE: THEMES AND CHALLENGES

whitepaper

Jun 15, 2017

Technology and the availability of new data sources are increasingly having an impact on insurance. Information, once digitalised, is being used to improve processes all along the insurance value chain. The rapid spread of internet-enabled sensors and ubiquitous connectivity are enabling new ways of...

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Modernizing Insurance Customer Care MODERNIZING INSURANCE CUSTOMER CARE

whitepaper

Jun 15, 2017

Unfortunately, customer service has not always been a priority for insurance companies. Efforts to improve efficiencies and reduce costs were historically for the benefit of the company, not the customer. For example, most systems are based on specific functional processing needs not the customer&rs...

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Architecting Insurance Transformation with Artificial Intelligence ARCHITECTING INSURANCE TRANSFORMATION WITH ARTIFICIAL INTELLIGENCE

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Jun 15, 2017

Artificial Intelligence (AI) is starting to enter the real world, after being associated with science fiction and fantasy. In the process, it is trying to deliver applications and solutions of practical use. The path to the future is loaded with possibilities on how AI could create an intelligent wo...

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Digital Trends in the US Healthcare Insurance Industry DIGITAL TRENDS IN THE US HEALTHCARE INSURANCE INDUSTRY

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May 24, 2017

Today’s consumers are empowered by technology that compels the U.S. healthcare players to explore new forms and channels of engagement. The continuous evolution of customer behavior means insurers and providers must align their business models to focus more on customer preference and demand. I...

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CYBER INSURANCE MARKET WATCH SURVEY CYBER INSURANCE MARKET WATCH SURVEY

whitepaper

May 15, 2017

The Council of Insurance Agents & Brokers (The Council) is pleased to release its fourth biannual Cyber Insurance Market Watch Survey. The survey, which consisted of 16 questions designed to provide insights into the burgeoning cyber insurance market, creates a snapshot of the market allowing us...

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The future of insurance in a digital world THE FUTURE OF INSURANCE IN A DIGITAL WORLD

whitepaper

May 15, 2017

This paper explores what is happening in the digital landscape, the influence of demographics and information overload, and the case for change within the context of the value chain. Given the prevalence of digital adoption in other industries, insurance companies cannot risk sitting on the sideline...

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How Agile Insurers are Improving the Bottom Line HOW AGILE INSURERS ARE IMPROVING THE BOTTOM LINE

whitepaper

Apr 26, 2017

Without customer-focused initiatives to improve operations in 2013, some insurers may not have a place in the 2014 market, either on Main Street or on the Internet. A market moving toward self-service has brought traditional insurers to a juncture where they must determine where to position their te...

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Digital Transformation in the Insurance Industry DIGITAL TRANSFORMATION IN THE INSURANCE INDUSTRY

whitepaper

Apr 20, 2017

The number-one priority for insurance carriers today is growth and one of the most effective ways to enable it is through the use of innovative technologies, part of a new wave in the industry called “InsurTech.” But as customers’ demand for mobile digitalization is increasing, the...

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The Stress-Free Way to Handle a Property Insurance Claim THE STRESS-FREE WAY TO HANDLE A PROPERTY INSURANCE CLAIM

whitepaper

Apr 20, 2017

For several years, Wolgast Restoration has relied on processes and systems to complete work, with great success. Developing and implementing a system or process to accomplish a specific task is the most efficient way to get something done. We have found that the same systems-driven, process mindset ...

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The Current InsurTech Landscape THE CURRENT INSURTECH LANDSCAPE

whitepaper

Apr 10, 2017

The insurance sector is currently facing pressures from several sides. Among the latest challenges are new regulatory frameworks, the inflow of alternative capital, and the ongoing low-interest-rate environment. An even more groundbreaking transformation, however, will be brought about by the succes...

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Life insurance as an asset class LIFE INSURANCE AS AN ASSET CLASS

whitepaper

Mar 30, 2017

This research paper examines the merits of permanent life insurance as an alternative asset class. Though known more for its estate planning benefits than as an investment tool, permanent life insurance is attracting attention among investors looking to improve the return or reduce the risk of the f...

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Digital disruption in insurance: Cutting through the noise DIGITAL DISRUPTION IN INSURANCE: CUTTING THROUGH THE NOISE

whitepaper

Mar 25, 2017

Digital technology destroys value. That might sound counterintuitive given the extent to which it can make business systems more efficient and companies are urged to embrace its many possibilities. Yet new McKinsey research shows that although digital technology propels some companies to become clea...

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The BPM path to profitability in insurance THE BPM PATH TO PROFITABILITY IN INSURANCE

whitepaper

Mar 15, 2017

Once the processes have been identified for migration on the BPM platform, the metrics to measure process performance improvements will help the business calculate migration improvements. This will validate the strategic investments and benefits realized through their BPM platform of choice.

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Blockchain’s Benefits for Insurers BLOCKCHAIN’S BENEFITS FOR INSURERS

whitepaper

Feb 25, 2017

Bitcoin has changed the money transfer process, but it’s likely that the technology behind the currency, blockchain, will have a greater impact. The blockchain is basically a data structure that enables the creation of a digital ledger of transactions and the ability to share them among a dist...

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Building the Healthcare System of the Future BUILDING THE HEALTHCARE SYSTEM OF THE FUTURE

whitepaper

Feb 15, 2017

Healthcare in the United States is changing rapidly. An aging population has increased demand for services and the need to manage healthcare plans and benefits. Technology is becoming a major factor both in the delivery of healthcare and payment for services. Costs continue to soar, and payers are f...

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2017 HEALTH INSURANCE EXCHANGES 2017 HEALTH INSURANCE EXCHANGES

whitepaper

Jan 31, 2017

An individual, feature-by-feature review of the 13 exchange websites can be found in Appendix III of this report. Our core finding for the 2017 open enrollment period is that some exchanges are delivering a high-quality online comparison-shopping experience that allows consumers to evaluate key heal...

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Digital Transformation for the Insurance Industry DIGITAL TRANSFORMATION FOR THE INSURANCE INDUSTRY

whitepaper

Jan 25, 2017

Today’s insurance industry is ripe for disruption. In fact, experts predict that the industry will experience more transformation in the next five years than it has in the past 50.This dramatic shift is driven by several factors:  Today’s customers expect the same capabilities and e...

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Unlocking the business value of Artificial Intelligence In the insurance industry UNLOCKING THE BUSINESS VALUE OF ARTIFICIAL INTELLIGENCE IN THE INSURANCE INDUSTRY

whitepaper

Jan 25, 2017

With its eerily accurate predictions about advanced technology becoming an integral part of everyday life, the book's revived popularity only hints at the massive surge of excitement surrounding one specific subject Artificial Intelligence (AI). The numbers tell the same story: deals to Al start...

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Insurance in 2020 and beyond, are Insurers ready? INSURANCE IN 2020 AND BEYOND, ARE INSURERS READY?

whitepaper

Jan 20, 2017

Insurance will become unitized and embedded. It will become an integral part of everyone’s life. Every object will become intelligent and have the ability to communicate. Take for example, something as simple as our dress. When the color fades, it will alert the manufacturer, who in turn may c...

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Reducing complexity for the commercial insurance carrier REDUCING COMPLEXITY FOR THE COMMERCIAL INSURANCE CARRIER

whitepaper

Dec 30, 2016

Commercial property and casualty carriers face complexities that have historically challenged automation. While line-of-business software effectively automates many aspects of commercial insurance management, a significant amount of critical information needed for decision-making is only available o...

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APAC’s Digital Insurance Transformers: Illuminating the Way Forward APAC’S DIGITAL INSURANCE TRANSFORMERS: ILLUMINATING THE WAY FORWARD

whitepaper

Dec 30, 2016

Our goal was to discover the convergence as well as divergence inherent in the definition as well as interpretation of digital transformation. What we found in our conversations is that insurers understand the growing importance of these phrases in their daily business, but at the same time translat...

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CAPTIVE REINSURANCE CAPTIVE REINSURANCE

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Dec 09, 2016

An important corporate function is reducing exposure to risk. Very often, corporations purchase insurance on the commercial market to protect their interests. In some cases, a company may not be able to acquire the coverage it needs to cover certain risks, or the premium may be prohibitively expensi...

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The Changing Face of Indian Insurance THE CHANGING FACE OF INDIAN INSURANCE

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Dec 06, 2016

As insurers prepare themselves to leverage Big Data either by harnessing data that is available internally or through partnerships, they need to assess the preparedness to manage such data. Traditionally, insurers have been used to managing structured data that comes as part of various business proc...

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Top Ten Trends in Insurance 2017 What You Need to Know TOP TEN TRENDS IN INSURANCE 2017 WHAT YOU NEED TO KNOW

whitepaper

Dec 06, 2016

The insurance industry is witnessing a slow but certain evolution due to disruptive technologies, external market forces, and their consequent impact on insurance business and operating models. This paper has an overview of the top 10 insurance trends that will be strategic for firms in the near ter...

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The New Insurance Imperative:Mastering Digital Marketing THE NEW INSURANCE IMPERATIVE:MASTERING DIGITAL MARKETING

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Nov 30, 2016

In their quest to become more customer-centric, property and casualty (P&C) insurers are increasingly investing in digital technologies that help predict customer behaviors and engage with them on their terms. The chief marketing officer (CMO) is at the center of the action, a role that has grow...

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DATA SCIENCE FOR BANKING AND INSURANCE DATA SCIENCE FOR BANKING AND INSURANCE

whitepaper

Nov 20, 2016

Over the course of many centuries, the banking and insurance industries have developed processes, products, and infrastructures that have shaped the economic history of humankind. But now, they are threatened with extinction by challengers who appeared on the world stage a mere couple of decades ago...

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The Impact of Big Data on the Future of Insurance THE IMPACT OF BIG DATA ON THE FUTURE OF INSURANCE

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Nov 20, 2016

Insurance provides financial protection to the community by pooling resources to manage risks. That approach is now being significantly refined by insurers’ increased capacity to examine risks in greater detail through the analysis of large volumes of granular data. The outcome is that increas...

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More Accidents, Larger Claims Drive Costs Higher MORE ACCIDENTS, LARGER CLAIMS DRIVE COSTS HIGHER

whitepaper

Oct 25, 2016

Over the past year, several forces have coincided to place considerable upward pressure on personal automobile insurance costs. Insurer actions in response have drawn considerable media and regulatory scrutiny. This paper examines recent trends in the largest component of the cost of auto insurance ...

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The Insurance Of Things THE INSURANCE OF THINGS

whitepaper

Sep 30, 2016

The Internet of Things (IoT) is driving a new era of digital disruption in the home and property insurance markets. We’ve already seen this in the automotive and healthcare insurance.

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The Future of General Insurance 2016 THE FUTURE OF GENERAL INSURANCE 2016

whitepaper

Aug 30, 2016

For insurance companies, better known for their prudence and resilience, and finding their centuries of experience and infrastructure as much an encumbrance as a strength, this serial disruption represents both a significant challenge and an unmatched opportunity. The World Insurance Report 2016 sug...

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Driverless Cars: Time for Insurers to Shift Gears DRIVERLESS CARS: TIME FOR INSURERS TO SHIFT GEARS

whitepaper

Aug 22, 2016

The automobile industry has continuously evolved over the decades but not as dramatically as the emergence of the driverless car. What still seemed like science fiction a few years back is now a reality. Along with the excitement and interest, the rollout of the driverless car is also having ripple ...

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THIS DECADE’S HOTTEST INSURANCE MARKET THIS DECADE’S HOTTEST INSURANCE MARKET

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Jul 15, 2016

The Port of Los Angeles, the busiest container port in the country, recently committed to transition a 40-acre marine terminal to solar power. The project is partially funded by a $14.5 million grant from the California Air Resources Board. When completed, it is projected to reduce greenhouse gas em...

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What the Real Estate Industry Needs to Know about the Insurance Industry and Climate Change WHAT THE REAL ESTATE INDUSTRY NEEDS TO KNOW ABOUT THE INSURANCE INDUSTRY AND CLIMATE CHANGE

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Jul 15, 2016

THE INSURANCE INDUSTRY’S keen interest in climate change goes back decades. Evan Mills, a climate change researcher at the University of California who specializes in the financial services sector, explains that climate change is a “stress test” for the insurance industry because &...

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The AI Revolution in Insurance: A Reality Check THE AI REVOLUTION IN INSURANCE: A REALITY CHECK

whitepaper

Jun 25, 2016

The end is nigh. Flawed human beings cannot compete with the perfection of machine intelligence. We are being replaced, resistance is futile, and insurance is next! Just look at the writing on the wall. “Your next insurance agent will be a robot,” confidently reports c/ net.1 “How ...

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2016 Insurance Survey: Put a Premium on Mobile 2016 INSURANCE SURVEY: PUT A PREMIUM ON MOBILE

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Jun 15, 2016

The insurance industry sits on the stable bedrock of legacy. Until now, most successful insurance companies could be characterized as traditionalists rather than technologists. However, the mobile revolution has changed the game of even the most established industries. In what Forrester has coined t...

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How InsurTech is reshaping insurance HOW INSURTECH IS RESHAPING INSURANCE

whitepaper

Jun 15, 2016

Insurance companies are very much aware of the FinTech revolution: 74% of respondents see FinTech innovations as a challenge for their industry. There is a good reason to believe that insurance is indeed heading down the path of disruptive innovation, whether it is the effect of an external factor, ...

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Healthcare Malpractice Claims: 2016 Update HEALTHCARE MALPRACTICE CLAIMS: 2016 UPDATE

whitepaper

Jun 15, 2016

We’re pleased to offer our second annual treatise on Healthcare Malpractice Claims in the United States. While it is always a challenge to select relevant areas for discussion, we believe we have selected topics of particular interest to the Healthcare community. At American International Grou...

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Health Insurance in Retirement HEALTH INSURANCE IN RETIREMENT

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May 20, 2016

At any age, health care is a priority. When you retire, however, you will probably focus more on health care than ever before. Staying healthy is your goal, and this can mean more visits to the doctor for preventive tests and routine checkups. There's also a chance that your health will decline ...

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How Does Cash Value in a Life Insurance Policy Really Work HOW DOES CASH VALUE IN A LIFE INSURANCE POLICY REALLY WORK

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May 20, 2016

When you own cash value life insurance, your premium payments are allocated three ways. First, a portion of each premium pays for the actual insurance costs. Like term insurance, a specific cost is associated with the policy's death benefit, based on your age, health, and other underwriting crit...

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Life Insurance and Charitable Giving LIFE INSURANCE AND CHARITABLE GIVING

whitepaper

May 20, 2016

Life insurance allows you to make a much larger gift to charity than you might otherwise be able to afford. Although the cost to you (your premiums) is relatively small, the amount the charity will receive (the death benefit) can be quite substantial. As long as you continue to pay the premiums on t...

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Life Insurance and Estate Planning LIFE INSURANCE AND ESTATE PLANNING

whitepaper

May 20, 2016

Life insurance has come a long way since the days when it was known as burial insurance and used mainly to pay for funeral expenses. Today, life insurance is a crucial part of many estate plans. You can use it to leave much-needed income to your survivors, provide for your children's education, ...

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The future of motor insurance THE FUTURE OF MOTOR INSURANCE

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May 15, 2016

For the automotive industry, relatively little has changed over the past three decades until now. New driver assistance technologies and connected services are ushering in a whole new world of motoring. In this new world, the driver hands over ever greater responsibility for his or her driving decis...

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SHAPING THE FUTURE OF CUSTOMER EXPERIENCE FOR INSURANCE SHAPING THE FUTURE OF CUSTOMER EXPERIENCE FOR INSURANCE

whitepaper

Apr 20, 2016

The global insurance industry is facing significant push and pull factors which spell out the clear and pressing need for digital transformation in the face of a rapidly evolving consumer audience. For the modern insurance customer, who has become used to the hallmarks of personalization and conveni...

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GLOBAL INSURANCE: NAVIG ATING A COMPLEX WEB OF EXPOSURE AND REGULATION GLOBAL INSURANCE: NAVIG ATING A COMPLEX WEB OF EXPOSURE AND REGULATION

whitepaper

Mar 25, 2016

There has been an explosion of regulation around the world in the wake of the 2008 Global Financial Crisis, but very little cross-regional consistency. This has led to an extremely fragmented regulatory environment and a lack of understanding of the requirements that can create stumbling blocks for ...

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LIFE INSURANCE IS ONE OF THOSE THINGS YOU KNOW YOU NEED SOMEDAY LIFE INSURANCE IS ONE OF THOSE THINGS YOU KNOW YOU NEED SOMEDAY

whitepaper

Mar 06, 2016

There’s no shortage of excuses to put this off. Buying life insurance at work is one of the most important things you can do. Whether you’re married or single and no matter what your age life insurance allows you and your loved ones to live forward with peace of mind.

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HOW THE INSURANCE INDUSTRY WILL DRIVE CYBERSECURITY HOW THE INSURANCE INDUSTRY WILL DRIVE CYBERSECURITY

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Jan 11, 2016

The paper predicted a rapid growth in cyber insurance across multiple segments. In 2015, there was a major increase in insurance offerings and market expansion. Advisen’s Cyber Liability Insurance Market Trends: Survey of October 2015 indicates that the “cyber insurance market has grown ...

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Next Generation Claims Systems NEXT GENERATION CLAIMS SYSTEMS

whitepaper

Dec 30, 2015

Today’s insurance claims systems deliver value to insurers by increasing efficiency through process automation and workflow. The use of manual decision points within these processes and systems, however, creates bottlenecks and under-utilizes company expertise. The insight gained from data min...

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Leveraging Blockchain to Transform Insurance Industry LEVERAGING BLOCKCHAIN TO TRANSFORM INSURANCE INDUSTRY

whitepaper

Dec 25, 2015

Blockchain has huge process-efficiency and cost-savings potential that spans the entire insurance value chain, including information gathering, underwriting, rating/pricing, billing, claims and regulation. In addition to improving these existing insurance operations, blockchain technology is inspiri...

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GLOBAL INSURANCE CAPITAL STANDARDS GLOBAL INSURANCE CAPITAL STANDARDS

whitepaper

Dec 25, 2015

The United States insurance regulatory system has been in existence for more than 150 years. According to the National Association of Insurance Commissioners (NAIC), the U.S. regulatory mission is “to protect the interests of the policyholder and those who rely on the insurance coverage provid...

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Builders Risk Insurance Coverage Checklist BUILDERS RISK INSURANCE COVERAGE CHECKLIST

whitepaper

Dec 25, 2015

Builders risk is considered “non-standardized” coverage. This means that, unlike most other types of insurance, the terms and coverage afforded can vary considerably from policy to policy. For this reason, a builders risk policy should be closely examined in order to determine the scope ...

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STOP LOSS INSURANCE, SELF-FUNDING AND THE ACA STOP LOSS INSURANCE, SELF-FUNDING AND THE ACA

whitepaper

Dec 25, 2015

Since the passage of the federal Patient Protection and Affordable Care Act of 2010 (ACA), there has been a lot of speculation about its potential impact. The goal of the law is to make affordable, quality health insurance available to all Americans through a combination of premium tax credits, indi...

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MAKING SENSE OF TODAY’S INSURANCE
MARKET MAKING SENSE OF TODAY’S INSURANCE MARKET

whitepaper

Dec 25, 2015

Insurance is a mature industry that has recently suffered through a recession. It still struggles in a weak, slowly recovering economy. Low-interest rates on fixed investments have added pressure to those caused by traditionally low underwriting profits and anemic premium growth.

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Insurance Telematics: Thinking Outside the Box INSURANCE TELEMATICS: THINKING OUTSIDE THE BOX

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Nov 25, 2015

For too long now, insurance carriers have been trapped inside the hamster wheel of market underwriting cycles, hoping that today’s customers are more profitable than yesterday’s, yet knowing that they can’t be certain until tomorrow. Carriers around the world are looking to telemat...

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Comprehensive Guide to Disability Insurance COMPREHENSIVE GUIDE TO DISABILITY INSURANCE

whitepaper

Nov 15, 2015

By far the most common and well-known type of insurance, Workers’ Compensation Insurance, usually referred to as “Workers’ Comp”, is required by US law. While the required amount, enforcement, and penalties vary from state to state, all the laws paint the same picture: as emp...

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11 Types of Insurance Every Small Business Needs 11 TYPES OF INSURANCE EVERY SMALL BUSINESS NEEDS

whitepaper

Nov 02, 2015

Small businesses particularly need to have extensive insurance coverage more so than large businesses with limited liability. As a small business owner, you will need to provide coverage for your employees in the event of a job-related injury or worker’s compensation coverage should illness or...

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Automobile insurance in the era of autonomous vehicles AUTOMOBILE INSURANCE IN THE ERA OF AUTONOMOUS VEHICLES

whitepaper

Oct 30, 2015

The conversion to autonomous vehicles could bring about the most significant change to the automobile insurance industry since its inception. Convergence of consumer and automotive technologies along with the rise of mobility services could transform the way we drive and commute and in turn could ch...

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How robotics and cognitive automation will transform the insurance industry HOW ROBOTICS AND COGNITIVE AUTOMATION WILL TRANSFORM THE INSURANCE INDUSTRY

whitepaper

Oct 15, 2015

Insurance companies are often perceived as being conservative in their approach and slower to embrace changes. Unfortunately, such inertia is no longer a viable option. Simply put, insurers who fail to embrace the cognitive journey will likely cede the important strategic advantage to competitors an...

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Why Digital Transformation Should Be Every Insurer’s Top Priority WHY DIGITAL TRANSFORMATION SHOULD BE EVERY INSURER’S TOP PRIORITY

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Sep 25, 2015

With more people instinctively turning to their smartphones to interact with the world, insurance carriers are searching for new customer-centric ways to interact with their policyholders. Hyperconnectivity has drastically impacted how consumers behave, how they interact, and even how they think. Cu...

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CRM in Insurance: New Opportunities in the Digital Age CRM IN INSURANCE: NEW OPPORTUNITIES IN THE DIGITAL AGE

whitepaper

Sep 24, 2015

The insurance industry was once dominated by policy-centric, inside-out thinking. Relationships were simple a policyholder was matched with a policy and perhaps an agent/producer. Much of the executive focus and corresponding technology investment was designed to improve operational efficiencies and...

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Segmentation in the Healthcare Insurance Industry SEGMENTATION IN THE HEALTHCARE INSURANCE INDUSTRY

whitepaper

Sep 20, 2015

Segmentation is used in a variety of ways by businesses today. The two most common applications of segmentation are reporting/analysis and targeting. Segmentation is often applied to reporting and analysis to help marketers understand the behavior of one portion of the population when compared to an...

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Next-Generation Insurance: Tapping Into the Intelligence of Smart Homes NEXT-GENERATION INSURANCE: TAPPING INTO THE INTELLIGENCE OF SMART HOMES

whitepaper

Jul 23, 2015

This white paper discusses the growing adoption of smart home technology, as well as its implications for the personal lines insurance industry.

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The Changing Landscape of Flood Insurance THE CHANGING LANDSCAPE OF FLOOD INSURANCE

whitepaper

Jun 25, 2015

The recent flooding in Texas and the Midwest will remind the markets of the losses they suffered from Superstorm Sandy. This will likely keep flood rates more stable rather than the sharp declines currently seen in property insurance in general.

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Life insurance needs rise as trends change LIFE INSURANCE NEEDS RISE AS TRENDS CHANGE

whitepaper

Jun 20, 2015

The U.S. economic recession of recent years has touched all Americans, and the working middle class has been especially hard hit. The market is healing, yet job prospects remain limited, wages are idle, and savings, investments and home values are low. In this environment, consumers have had to reco...

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Usage-Based Insurance and Vehicle Telematics: Insurance Market and Regulatory Implications USAGE-BASED INSURANCE AND VEHICLE TELEMATICS: INSURANCE MARKET AND REGULATORY IMPLICATIONS

whitepaper

Mar 25, 2015

Data has traditionally been one of insurance industry’s greatest and more valuable assets. The ubiquity of wireless connectivity, the increasing sophistication of in-vehicle electronics and machine-to-machine (M2M) communication is presenting the auto insurance industry with a historic transfo...

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The Case for a Stand-alone Rating Engine for Insurance THE CASE FOR A STAND-ALONE RATING ENGINE FOR INSURANCE

whitepaper

Jul 25, 2014

Insurers today are faced with many challenges such as competitive pressures, IT systems that are aging, and inefficient business processes that make it harder to achieve profitable growth. Among the processes that carriers can focus on, the rating is arguably the most critical and can have the most ...

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Cisco Application Centric Infrastructure Policy-Based Redirect Service Graph Design CISCO APPLICATION CENTRIC INFRASTRUCTURE POLICY-BASED REDIRECT SERVICE GRAPH DESIGN

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Cisco Application Centric Infrastructure (Cisco ACI) technology provides the capability to insert Layer 4 through Layer 7 (L4-L7) functions using an approach called a service graph. One of the main features of the service graph is Policy-Based Redirect (PBR).

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Communication in the Policy Process COMMUNICATION IN THE POLICY PROCESS

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The study of public policy is broadly concerned with the processes of identifying and analyzing public issues, the means by which a course of action (or inaction) is taken in response to perceived public problems, how effect is given to that course of action, and what affect the entire process has o...

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POLICY MAKING IN THE REAL WORLD POLICY MAKING IN THE REAL WORLD

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This report is one of three that the Institute for Government is releasing as part of its research into policy making in government. It provides both an in-depth look at attempts to reform policy making over the last fourteen years and draws on both interviews with senior civil servants and minister...

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HURRICANE/TROPICAL STORM HARVEY: POLICY PERSPECTIVES HURRICANE/TROPICAL STORM HARVEY: POLICY PERSPECTIVES

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This material may be quoted or reproduced without prior permission, provided appropriate credit is given to the author and the James A. Baker III Institute for Public Policy. Wherever feasible, papers are reviewed by outside experts before they are released. However, the research and views expressed...

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MAKING HEALTH CARE MARKETS WORK: COMPETITION POLICY FOR HEALTH CARE MAKING HEALTH CARE MARKETS WORK: COMPETITION POLICY FOR HEALTH CARE

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The U.S. health care system does not work as well as it could, or should. Prices are high and vary in seemingly incoherent ways, yet quality of care is uneven, and the system lacks the innovation and dynamism that characterizes much of the rest of our economy. The dearth of competition in our health...

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Insuring the sharing economy INSURING THE SHARING ECONOMY

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In trying to meet the new demands of the sharing economy, the insurance industry faces a number of distinct challenges that will require new approaches to doing business. Regulations are at best rapidly changing and often nonexistent. As a competitive advantage, some sharing economy firms do not mak...

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Insuring Travelers in the Digital Age INSURING TRAVELERS IN THE DIGITAL AGE

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When Expedia launched in 1996, few could have anticipated the transformation that this platform would bring to the travel industry. Expedia gave consumers complete control over the booking process, with multiple options available in one place for immediate, online booking. With that leap, Expedia an...

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ACCIDENT INSURANCE ACCIDENT INSURANCE

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Millions of working Americans struggle each year to manage the out-of-pocket non-medical and medical expenses associated with unforeseen health events.1 Their financial challenge has been exacerbated by the increased popularity of high-deductible health plans in the workplace and the embrace by some...

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Protect yourself from risk PROTECT YOURSELF FROM RISK

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The world's leading specialist in software quality protect yourself from risk. Ensure your IT software delivers seamless performance and certainty in outcomes, providing quality customer experience the Challenge. The Insurance industry today faces challenges on several fronts.

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Teambrella: A Peer¬to¬Peer Insurance System TEAMBRELLA: A PEER¬TO¬PEER INSURANCE SYSTEM

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Insurance is a service that is currently very non¬transparent. Most notably, the reasoning behind the calculation of premiums is not disclosed and, therefore, cannot be considered intrinsically fair by customers. For auto insurance in the USA, a typical loss ratio is about 60 percent and adjustm...

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Life Insurance: The Versatile Tool for Retirement Protection LIFE INSURANCE: THE VERSATILE TOOL FOR RETIREMENT PROTECTION

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This paper will outline key risks that retired married couples will face, how, like a Swiss army knife that has multiple uses, permanent life insurance can be used to mitigate these risks, and why a financial payoff will always occur if a policy is in place during retirement.

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Global Health IT Policies  Accelerating Healthcare Transformation GLOBAL HEALTH IT POLICIES ACCELERATING HEALTHCARE TRANSFORMATION

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Information and communications technology (ICT) has transformed nearly every aspect of modern life, from banking to travel to commerce. The healthcare sector has been slower to take advantage of the benefits of these new technologies. Recently, however, global stimulus funding has accelerated the us...

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Addressing the Increasing Burden of Health Insurance Cost Sharing ADDRESSING THE INCREASING BURDEN OF HEALTH INSURANCE COST SHARING

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Despite some moderation, health care spending remains substantial, and ESI plans and other coverage programs have responded by shifting more financial responsibility to the health plan enrollee. The shift may accelerate as employers attempt to avoid the so-called Cadillac tax, which seeks to raise r...

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Changing Face of the Insurance Industry CHANGING FACE OF THE INSURANCE INDUSTRY

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Emerging trends in the Insurance industry are a combination of business and technology themes, most of which are likely to become mainstream in the near to long term Startup. Slice has designed insurance policies for the on-demand.

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Simplifying Insurance with Automation SIMPLIFYING INSURANCE WITH AUTOMATION

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Business process automation strategies can bring a lot of relief to insurance companies facing issues due to declining interest levels and uncertainty in contract approvals. It helps mitigate the compounding issues they will otherwise face if, due to these issues, they are unable to meet their custo...

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Lowering commercial automotive insurance costs LOWERING COMMERCIAL AUTOMOTIVE INSURANCE COSTS

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As safety technologies become more sophisticated, companies have more visibility into the behaviors of employees out on the road. With seemingly endless increases in insurance premiums, thanks in part to escalating legal settlement costs and economic corrections, can companies use this new level of ...

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Digital Transformation in the Insurance Sector DIGITAL TRANSFORMATION IN THE INSURANCE SECTOR

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In this paper we focus on Digital Transformation in the Insurance Sector; and examine the legal, regulatory and commercial challenges facing Insurers as they seek to optimise their operations and processes using new technology to empower a digital revolution within their organisation and the wider g...

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International Private Medical Insurance INTERNATIONAL PRIVATE MEDICAL INSURANCE

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The IPMI market is large, growing and profitable for insurers driven by strong underlying demand from key customer segments. The market is also geographically diverse which creates business model complexity but mitigates volume risk for those willing to participate across multiple regions. Distribut...

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The State of Insurance and Investments THE STATE OF INSURANCE AND INVESTMENTS

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Customer focused regulation is eroding historic profit pools for insurers, platforms and asset managers and driving down total value chain costs. As a result institutions are seeking much greater product and value chain participation. The insurance and investments landscape in 2015 is far more integ...

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Top-10 Technology Trends in Health Insurance: 2018 TOP-10 TECHNOLOGY TRENDS IN HEALTH INSURANCE: 2018

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The health insurance sector stands apart from Life or P&C insurance because of its unique model and number of stakeholders. Its challenges are sector specific: a fragmented ecosystem, margin pressures, regulatory uncertainty, and disjointed data access for stakeholders. However digital tools and...

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Small Business Health Insurance and the ACA: Views from the Market 2017 SMALL BUSINESS HEALTH INSURANCE AND THE ACA: VIEWS FROM THE MARKET 2017

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The Affordable Care Act (ACA) ushered in dramatic changes for small employers and the market where these employers purchase coverage. However, the impact of ACA provisions designed to improve coverage options and reduce administrative costs for small businesses has been lessened by the availability ...

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TAKING STOCK: POLICY OPPORTUNITIES FOR
ADVANCING RURAL HEALTH TAKING STOCK: POLICY OPPORTUNITIES FOR ADVANCING RURAL HEALTH

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The U.S. health care system is undergoing significant transformation as a result of Federal, State, and private payer policies designed to improve access to medical care as well as the value and outcomes of health care while attempting to slow cost growth. Some payment innovations, such as accountab...

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New-Age Technology Adoption NEW-AGE TECHNOLOGY ADOPTION

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In the first phase, insurance carriers have been through with the arduous task of heavy weight product implementations, legacy modernizations, core suite upgrades, package solution implementations, large data warehousing projects, various connected peripherals system implementations, etc. resulting ...

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Workplace Trends Insurance White Paper Update 2017 WORKPLACE TRENDS INSURANCE WHITE PAPER UPDATE 2017

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The industry, however, also faces far broader challenges. Technology, customer expectations, demographic shifts and emerging markets will all help shape the sector’s longer term future. The insurance technology (InsurTech) industry is expanding quickly, and this momentum has been a catalyst fo...

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Harnessing the power of digital transformation: How insurance companies can reimagine business HARNESSING THE POWER OF DIGITAL TRANSFORMATION: HOW INSURANCE COMPANIES CAN REIMAGINE BUSINESS

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61% of financial executives declared “customer experience in digital channels” as a top priority in the CEB 2015-2016 FSI Survey, and that’s a good thing because 41% of customers in 2015 indicated a preference for using digital channels to complete insurance transactions—up f...

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Property and Casualty Insurance Re-imagined: 2025 PROPERTY AND CASUALTY INSURANCE RE-IMAGINED: 2025

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Canada’s P&C insurance sector has progressed for decades using business models and practices that have changed very little and reflect a world that no longer exists. Today, P&C insurers find themselves facing a perfect storm of change. Evolving consumer behavior intensifying competitio...

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Insurance 2025 Reducing risk in an uncertain future INSURANCE 2025 REDUCING RISK IN AN UNCERTAIN FUTURE

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This report is based on a series of insurance and CxO studies conducted by the IBM Institute for Business Value over the past few years, in combination with a number of informal conversations and discussions with subject matter experts and insurance executives.

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How Insurers Can Harness Artificial Intelligence HOW INSURERS CAN HARNESS ARTIFICIAL INTELLIGENCE

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This white paper focuses on potential insurance applications of AI and the benefits that carriers can realize by implementing AI in their processes. We also evaluate AI challenges, such as its never-ending “learning loop,” the huge upfront resource investment it requires and its adoption...

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Changing the face of life insurance CHANGING THE FACE OF LIFE INSURANCE

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Asteron’s vision is not only to make insurance accessible and more easily understood by advisers and their clients, but also to provide better incentives to become healthier and to stay healthy. Asteron Life! is an online wellbeing program that provides tools and resources around lifestyle, nu...

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The Next Insurance Revolution: Customer centricity and the single view of the customer THE NEXT INSURANCE REVOLUTION: CUSTOMER CENTRICITY AND THE SINGLE VIEW OF THE CUSTOMER

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In the increasingly competitive world of insurance, staying one step ahead of the competition is vital if an insurance company is to grow profitably and improve the underlying performance of its books of business. Direct Line famously showed the power of this when it introduced the direct business m...

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Distributed social proof insurance DISTRIBUTED SOCIAL PROOF INSURANCE

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This Whitepaper has been prepared by InsurePal for the sole purpose of assisting prospective participants in deciding whether to participate in the InsurePal token. We emphasize that this is an open-source initiative where everyone makes the decision independently.

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Blockchain: A Potential Game-Changer for Life Insurance BLOCKCHAIN: A POTENTIAL GAME-CHANGER FOR LIFE INSURANCE

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To examine blockchain’s potential role in insurance, this white paper explores ways the technology can help life insurers simplify death claims processing, a process that requires an already traumatized beneficiary to undergo a time-consuming activity to process basic claims. We examine where ...

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Preparing Life Insurers for the Future of Distribution PREPARING LIFE INSURERS FOR THE FUTURE OF DISTRIBUTION

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Life Insurance distribution is at an inflection point, reflected by the drastic changes in both the variety of emerging channels and transformation within channels. These distribution changes are driven by seven key market forces the inexorable influence of digital, empowered customers, new regulati...

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White Paper: Framing National Health Policy WHITE PAPER: FRAMING NATIONAL HEALTH POLICY

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This White Paper is a “think piece” based on on‐going inclusive consultations and seeking to frame the discussion to support the development of people-centered national health policies, strategies, and plans. It is not intended to be a draft or a section of any policy, strategy or plan. ...

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Global Health IT Policies—Accelerating Healthcare Transformation GLOBAL HEALTH IT POLICIES—ACCELERATING HEALTHCARE TRANSFORMATION

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Information and communications technology (ICT) has transformed a nearlyevery aspect of modern life, from banking to travel to commerce. The healthcare sector has been slower to take advantage of the benefits of these new technologies. Recently, however, global stimulus funding has accelerated the u...

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National Health Insurance Policy NATIONAL HEALTH INSURANCE POLICY

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Defined as medical care that includes health system components, or care delivery platforms, used to treat sudden, often unexpected, urgent or emergent episodes of injury and illness that can lead to death or disability without rapid intervention. It encompasses a range of clinical health-care functi...

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The Best Insurance Policy for Compliant Labelling THE BEST INSURANCE POLICY FOR COMPLIANT LABELLING

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Intensifying regulatory requirements leave no room for error when putting goods into patients and consumers’ hands. Yet in life sciences, one of the most strictly controlled industries because of the implications for public safety, more than 50% of product recalls are caused by packaging error...

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You’ve Got Claim When AI meets Insurance, Claims Processing YOU’VE GOT CLAIM WHEN AI MEETS INSURANCE, CLAIMS PROCESSING

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The Insurance Industry has been historically called the laggard in terms of acceptance of technological innovation within the Financial Services sector. But over the last few years, the Insurance sector has been getting disrupted. The abundance of data availability in the sector has made it a natura...

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Navigating Insurance Policies: What Carshare Companies Need to Know When Buying Insurance Policies for the First Time NAVIGATING INSURANCE POLICIES: WHAT CARSHARE COMPANIES NEED TO KNOW WHEN BUYING INSURANCE POLICIES FOR THE FIRST TIME

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We recently published a white paper entitled Navigating Insurance Policies: What Carshare Companies Need to Know When Buying Insurance Policies for the First Time. This white paper provides a guideline for new carsharing companies to use when making the key decision of insurance. Why is insuran...

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An Introduction to Life Insurance AN INTRODUCTION TO LIFE INSURANCE

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Life insurance is a financial tool that can help individuals accomplish a variety of financial goals. The most common use of life insurance is to provide for dependent family members in case of premature death. Life insurance can also be used to fund certain goals, such as a child or grandchild&rsqu...

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Life Insurance as an Employee Benefit LIFE INSURANCE AS AN EMPLOYEE BENEFIT

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Life Insurance is a method of providing funds payable to named beneficiaries upon the death of the insured. if you the employer, offer your employee's life insurance as a benefit, it most likely will be in the form of group life insurance.

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White Paper on Universal Health Insurance WHITE PAPER ON UNIVERSAL HEALTH INSURANCE

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The 2011 PfG commits to the introduction of a single-tier, multi-payer model of UHIcovering both hospital and primary care. Social and long-term care will remain directly funded by the State. The PfG does not seek to adopt a free market approach to the provision of healthcare services. Nor does it s...

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Improving the Health Insurance Marketplace IMPROVING THE HEALTH INSURANCE MARKETPLACE

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The AMA supports requiring individuals to obtain health insurance in order to maximize the coverage of the uninsured and strengthen the effectiveness of other market reforms, such as eliminating health insurance denials due to pre-existing conditions. Specifically, AMA policy supports a requirement ...

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Summary of The White Paper on National Health Insurance (NHI) SUMMARY OF THE WHITE PAPER ON NATIONAL HEALTH INSURANCE (NHI)

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The White Paper on National Health Insurance (NHI) has finally been signed off by Dr. Motsoaledi on the 28th June 2017. This document is now officially the Governments' National Health Insurance Policy. Broadly the NHI is a health financing system that is designed to pool funds to actively purch...

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CYBER INSURANCE: A GROWING IMPERATIVE CYBER INSURANCE: A GROWING IMPERATIVE

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Historically, many organizations believed that their existing insurance policies — general liability, commercial property or business interruption, among others — would cover them in case of a cyber breach. This is often no longer the case. A key turning point in public perception came a...

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The “Cloud” as a Life Insurance Policy Administration Solution THE “CLOUD” AS A LIFE INSURANCE POLICY ADMINISTRATION SOLUTION

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More than 40 years after penning such wonderful words, the illusion of “the cloud” has burst onto the technology scene and dominates headlines and industry discussions. Part of the illusion – or perhaps more appropriately, confusion – is the marketing hype. In article after a...

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ACCJ–EBC Health Policy White Paper 2017 ACCJ–EBC HEALTH POLICY WHITE PAPER 2017

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The high productivity level of the Japanese labor force is a primary source of international competitiveness for the Japanese manufacturing and services sectors, and a key reason that many foreign companies choose to invest in Japan. Faced with an aging population, more and more attention is shiftin...

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A FRAMEWORK FOR REGULATORY USE OF REAL-WORLD EVIDENCE A FRAMEWORK FOR REGULATORY USE OF REAL-WORLD EVIDENCE

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The Duke-Margolis Center would like to thank several individuals for their contributions to this white paper. The paper would not have been possible without the months-long collaboration of the authors listed on page two. Their expert perspectives, open discussion, and thoughtful feedback on working...

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Implementing a Policy Review System to Generate Income (and Loyal Clients IMPLEMENTING A POLICY REVIEW SYSTEM TO GENERATE INCOME (AND LOYAL CLIENTS

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No matter how good you are at what you do, almost everyone in our business could benefit from more opportunities to generate revenue. My simple definition of marketing is the “activities that lead to having a chance to make a sale.” This whitepaper will focus in on how to systematize the...

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Financing Life Insurance: Efficient Generation of Estate Liquidity FINANCING LIFE INSURANCE: EFFICIENT GENERATION OF ESTATE LIQUIDITY

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Traditional premium financed life insurance is a structure that enables affluent clients to acquire the insurance benefits they need, without impacting current cash flow and the possible cost of gift tax associated with purchasing insurance. This fully collateralized form of lending, whereby the bor...

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Public Consultation on the White Paper on Universal Health Insurance PUBLIC CONSULTATION ON THE WHITE PAPER ON UNIVERSAL HEALTH INSURANCE

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The White Paper on UHI sets out the policy vision for the most radical ever reform of our health system. The major overhaul of the system will see a move away from a two-tier unequal health system to a single-tier system where access is based on need and not on income.

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Making the Case for Using Web Services to Verify Evidence of Auto Liability Insurance MAKING THE CASE FOR USING WEB SERVICES TO VERIFY EVIDENCE OF AUTO LIABILITY INSURANCE

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Mandatory liability insurance laws currently exist in 49 of the 50 states. Auto Liability Insurance Reporting (ALIR) programs, often referred to as State Reporting systems, are designed to enforce compulsory insurance laws in 32 states at the time of this publication. Additional states are consideri...

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Why Public Health Is Necessary to Improve Healthcare WHY PUBLIC HEALTH IS NECESSARY TO IMPROVE HEALTHCARE

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As the United States seeks ways to regain our economic footing and rebuild prosperity, all should be reminded of the simple but immensely important fact that the nation’s collective health bears both an economic and human cost. Poor health of a population can exert tremendous force on employme...

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Homeland Security A Compendium of Public and Private Organizations HOMELAND SECURITY A COMPENDIUM OF PUBLIC AND PRIVATE ORGANIZATIONS' POLICY RECOMMENDATIONS

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RAND white papers are authoritative publications that draw on a strong body of prior research to summarize key findings relevant to pending decisions or policy problems. White papers are reviewed by RAND’s corporate management to assure that they adequately represent RAND’s best work on ...

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Illegal Drug Abuse and National Drug Policy ILLEGAL DRUG ABUSE AND NATIONAL DRUG POLICY

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This position paper addresses key issues pertaining to the problem of illegal substance abuse in today’s society. The paper presents background information on the drug problem and ways in which the government has sought to fix it. The costs of drug abuse are astounding, but the criminal justic...

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Estonia ESTONIA'S DRUG PREVENTION POLICY

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Drug abuse is a negative social phenomenon, bringing disproportionately large social and personal consequences. The consistent use of drugs is accompanied by addiction, injury, leaving one's educational path, passivity in the employment market, added burdens on the healthcare and welfare systems...

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