Insurance & technology to better serve Emerging Consumers: Learning to improve access & service Zurich Financial Services Group Contents Acknowledgements A note on the authors Introduction I. A new data universe: understanding customers better Data mining Monitor behavior and trends Implications for insurance The bank in your hand: providing financial access through mobile phones Branchless banking SMS advertising and sales Implications for insurance 1 1 2 3 4 4 5 II. 6 6 8 9
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INTRODUCTION Insurance is a form of risk management in which the insured transfers the cost of potential loss to another entity in exchange for monetary compensation known as the premium. Insurance allows individuals‚ businesses and other entities to protect themselves against significant potential losses and financial hardship at a reasonably affordable rate. We say "significant" because if the potential loss is small‚ then it doesn’t make sense to pay a premium to protect against the loss. After
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The bald eagle was finally adopted as the emblem of the United States in 1787 because "its long life‚ great strength‚ and majestic looks‚ and also because it was then believed to exist only on this continent." The bald eagle has survived for many years. It was almost lost at one point‚ and finally now is on its way back and the numbers are rising thanks to many efforts by various foundations. The Bald Eagle is more than a just a bird like every other species it too has a special part in keeping
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Zeno Ltd [1964] 30 MLJ 314. Initially‚ Zeno Ltd‚ the respondent company entered into an agreement with a contractor named Ahmad‚ who had also secured contracts from the Petaling Jaya Authority for the construction of culverts. Under the contract‚ Zeno Ltd was the supplier of construction materials to Ahmad. They bought the materials and delivered to the construction site. Afterward‚ Ahmad’s contracts with Petaling Jaya Authority were cancelled due to the conflicts between them. Zeno Ltd informed
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Replace Replace is to put someone or something new in the place or position or put the substitute things instead of the previous one. QUESTION 2(ii) Infinity & Co had sought our advice as to how it should respond to the major leak on the rooftop and the whole roof needs replacing. Case Law The case is refer to Riverside Property Investments Ltd. v Blackhawk Automotive [2004].The landlord‚ Riverside‚ claimed £87‚500 for replacement of the roof of a light industrial unit‚ plus £36‚200 for fees and costs
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A PROJECT REPORT ON ANALYSIS OF RECRUITMENT & SELECTION STRATEGIES OF ICICI PRUDENTIAL LIFE INSURANCE LTD. [pic] Submitted To: Submitted By: Preeti Dhanetwal Asha jainani M.B.A 1styear Acknowledgement The beatitude‚ bliss and euphoria that
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Add Collision Damage Insurance Get Collision Damage Insurance Now! Purchasing at time of booking is almost always less expensive than waiting to purchase coverage at the counter. See additional information Protect yourself from costly repairs! $35‚000 in Primary Coverage so you won’t need to file a claim with your regular insurance Includes cost of repairs for collision or damage to a rental car Allows for cancellation with 100% refund up until requested pickup time 1. Collision Damage
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A person reading for luxury may read and interpret eagle faced man’s actions as that of a greedy individual who values money over his life‚ even in a time of great despair and mass hysteria. While it could be read that way‚ my own view is that Wells packages the paragraph about eagle faced man’s actions immensely with a deeper meaning of society in this particular moment of time. With the abundance of bad people in ratio to the good‚ the eagle faced man is smart to keep his belongings to himself
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Carbolic Smoke Ball Co. (1893) case‚ Carbolic stated specific terms such as promising an exact payment if people still could contract influenza whilst using the smoke ball on a newspaper advertisement. This advertisement was deemed to be an offer and not just a mere puff
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Hildreth v. Tidewater Equipment Co. Summary John Hildreth was the sole shareholder‚ director‚ and officer HCE‚ Inc‚ a corporation in New Jersey. HCE-NJ began to do business in Maryland in early 1997. According to the Maryland code‚ it is required for foreign corporations to register with the Maryland Department of Assessments and Taxation before doing intrastate business in Maryland‚ and it is required to have a resident agent in Maryland. In February 1998‚ HCE-NJ rented equipment from Tidewater
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