Wednesday, May 23, 2012

Insurance adviser licensure opposed

Gov. Terry Branstad, should veto a budget bill a requirement mandating that the advisers to help Iowans compare health insurance options are licensed, an advocacy group said in a letter to the governor on Tuesday.
The Legislature this month passed a bill that includes language setting the qualifications for the so-called "navigators" who act as advisers on public enforcement of federal health care reform act that opponents are often called ObamaCare.
AARP said in its letter that it is not against training navigators, but it concerns that licensure would create a barrier to helping Iowans - especially low-income families or rural areas - get far to afford health care.
The group, with 380,000 members Iowa, also said the way in which the provision was attached to a larger bill and avoid the usual legislative process runs counter to Branstad's commitment to transparent government.
The requirements include licensure House File 2465, which opponents said was a backdoor way to give an unfair advantage to the insurance agent or broker. In addition they contend the provision is contrary to federal policy.
The bill's supporters, however, say licensure helps to protect the public by ensuring advisers have knowledge.
The idea is for the position to help guide the public through the choice of insurance. The federal government has policies in place that say the state can not require the position of the agent or broker of insurance and can not be paid a percentage commission.
Tom Alger, a spokesman for the Iowa Insurance Commissioner Susan Voss, agreed earlier this month that the provision is potentially problem.
The commissioner asked federal officials to rule on the matter earlier this year when it was discussed.
It is not known exactly what action the federal government may take if the state rule is indeed considered illegal, Alger said.
Branstad has 30 days to examine the charges that have passed prior to May this year nine legislative delay. He has not said a public position on the matter, and his mouth, Tim Albrecht, the governor declined to outline the object



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Why we need a completely different insurance business

When Ulips, traditional plans covered irda Scanner "and" Traditional plan treatment begins, "are two typical headlines. Word" crackdown "also appears in some articles. All in all, this is the kind of language you expect to find the news describing how the police are cracking down on drug peddlers and pickpockets. The facts are simple stories.
Through 2004-2010, the insurance companies raked in money by peddling hand fist Ulips which apparently is specifically designed for in terms of magnitude and structure, it is wrong to sell. Millions (literally) of insurance agents to make money hand fist milking unsuspecting customers.
In 2010, IrDA large Ulip stop the looting by the new rules, compared with the past, made Ulips a cheaper and relatively more customer-friendly product.
At that point, the insurance companies had a collective change of heart, cleaned up its act and began to eagerly sell their products, who were good customers. OK, for those of you who know how this business works can stop laughing now, of course, the previous sentence was a joke. What really seems to have been in so that insurance companies shifted to focus on wholesale distribution of so-called traditional plans.
And sure enough, two years later, irda believes that it is time for another crackdown or cleaning or whatever you want to call it. All of a sudden there seems to be the realization that these policies combined with the high fees, low transparency and poor performance. Basically, they are tailor-made for manufacturers and distributors as well as harmful to customers. What do you think will happen now?
My guess is that if the irda manages to clean the traditional plans, how it is Ulips then the insurance will in principle be closed in India. Albert Einstein defined insanity as "doing the same thing over and over again and expecting different results". I think that would be clearly recognized that the cleaning products one at a time is not the solution.
There is something fundamentally wrong with the insurance business. This could be a structure or way of thinking of people who run it, or have invested in, or something else. In any case, the industrial process is to show that it may only succeed in turning the customers.
Amusingly, the idea that insurance is about stripping their customers are now so deep, that a large insurance company, Max New York Life has established a large advertising campaign around it.
TV ads show an insurance salesman refused to sell the wrong. It's actually pretty twisted idea - the whole ad campaign, the underlying message is "we know you expect the insurance sellers are scammers, but we can not resist the temptation." But full credit to the honesty problem anyway.Ads by Google

    
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If clean up is successful, then it will only when we have a completely different insurance. The basic problem is the products, stir well, different objectives for the investment and insurance services. When you have that you have a downward spiral for increasing product complexity, the higher the sales effort, higher costs, and all of it eventually has to be customer's pocket.
To some, the broader objective of providing a safety net for the insurance cover a large mass of Indians have completely forgotten. If the Insurance business as the only true re-insurance, this is a contradiction at its heart will not go away, and this cycle of anti-customer behavior and endless clean-ups will continue.



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Citizens insurance to reexamine wind mitigation policies

Citizens Property carry windstorm insurance and can not be caught out. The company expects to see the policy, if the incentives are justified. For many people, which can lead to higher.By MICHAEL PELTIERNews Service of Florida
Tallahassee - a follow up to calls to raise premiums to meet the risk, Florida's state-backed property insurer, is to take another look at the wind mitigation incentives to ten years ago.
For many customers, this means higher prices.
Citizens Property Insurance Corp. will review the 209 000 residential policies by the end of the year, whether granted to the wind mitigation credits justified.
Incentives, which include such things as tie downs, blinds and other updates, offered, in 2002 the company reduced the risk of state-sponsored pool, which now handles almost 1.5 million policies.
30 years April latest date for which detailed data are available, the Citizens inspectors have completed 180 503 residential inspections it is established that in some cases, hurricane hardening measures are not in use. The resulting increase in the remuneration of 107 million dollars. Nearly 71 percent of households have seen insurance premiums go up to check.
The program has also led to the premium decreases by 7.5 per cent of policies and the total reduction of $ 4,400,000.
For those homes are seeing higher premiums jumped an average of $ 600 per year, or 23 percent.
Wind mitigation program has become more and more fire industry groups and the Office of Insurance Regulation officials, who have said the program has reduced the company's premium base but did not significantly reduce exposure, especially when credit increased dramatically in 2007.
Private insurance companies are also given a relaxation of credit points. 2010 study, the Department of Financial Services stated that, despite good intentions, the programs will pay the same insurance companies lost only a modest decrease in potential losses.
"At the moment, the wind mitigation credits do not work as intended, and according to [Risk Management Solutions] analysis is an important part of the reason indicated decomposition of the premium," the study said.
Among the most important criticism, the report concluded that some homeowners were given double credit fixtures that are already included in the underlying fee. Insurance companies are also limited to repair of the basic rates to reflect on structural issues, the report states that hobbled the industry.
"If the [credit] system will continue without the base rate of the offset, the average premium reductions could eventually reach 35 per cent, which is clearly the effect of revenue insurance," the report said.
Last year, lawmakers passed and Gov. Rick Scott signed into law a measure that struck some language related to the mitigation credits, and gave insurance companies more flexibility in their prices and discounts apply.
The public officials have ordered reinspections of homes, which have claimed more than $ 650 credit points.
Robin Westcott, Florida Insurance Consumer Advocate, said he understood the citizens wish to provide specific information on appropriate wind mitigation credits, but is concerned about homeowners can always be ready for proper documentation of their mitigation efforts and may unnecessarily lose benefits.
He said the public would do a better job of letting home know what inspectors are looking for.
"In some cases, you are looking for a fairly hefty increase," Westcott said. "It's really a big part of care." Miami Herald is pleased to offer this opportunity to share information, experiences and observations about what is news. Some comments may be reprinted elsewhere in the newspaper or website. We encourage lively, open debate on current issues, and we invite you to be profanity, hate speech, personal comments and remarks that are off point. Thank you for taking the time to offer your thoughts.
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General insurance biz to break even this year: Reliance Cap

Despite the difficult market situation, Reliance Capital posted a strong set of numbers quarter of FY12. The company reached a milestone in terms of net sales last year's turnover of over Rs 6500 crore.After an interview with CNBC-TV18, President and CEO Sam Ghosh said that each business developed significantly compared to last year, when the company's operating profit increased by 50% of Rs 450 crore. "Based on the market, our wealth (AUM) have fallen significantly, but we're the number one fund, and the profitability of the segment's AUM," he added.Brokerage business commercial finance business and life insurance business will also be published to make a profit FY12. "If you look at the life insurance business, even if the new insurance companies have fallen, this is the first year we made a profit of Rs 373 crore," said Ghosh.It is usually a declaration that the company will not be published profits. "We showed that the loss is mainly due to a third party pool requirements, where we had to put more than Rs 200 crore reserves," explained Ghosh. As the motor pool will be demolished, he expects business to break even this year.Below is an edited excerpt of his interview. Also watch the accompanying video.Sam Ghosh: As a company we have achieved a milestone this year in terms of sales. Turnover has increased by about 20% over 6500 crore and profit has risen by more than 50% over Rs 450 crore.Breakdown of business types, each of the companies have outperformed compared to last year. Asset Management profits are up nearly 5% to more than Rs 300 crore. On the basis of the market of funds under management (AUM) have fallen considerably, and so are we. However, we have the number 1 as well as the profitability of the segment's fund AUM. If you can see, we have nearly Rs 1.40 lakh crore in assets under management of Rs 78 000 crore by the Funds.If you look at the life insurance business, even if the new insurance companies have fallen, this is the first year we made a profit of Rs 373 crore. Commercial finance business, we AUMs has increased by 15%, but profits have remained flat. This is because interest rates rose by 3 percentage points, and also borrowing costs also increased by the same amount. We could not move any increase in our borrowing costs to customers, but we could more or less keep profits flat just a marginal decrease in profit of that business.Finally, the transmission company profits are up nearly 50% from the previous year of about Rs 20 crore, and this is despite the tough market for brokerage industry - in both equities and commodities. The distribution side of the profits are up nearly 80% to over 30 crore.In general insurance, we showed a loss is mainly due to a third party pool requirements, where we had to put more than Rs 200 crore in reserves. However, the insurance pool will be demolished, and with effect from 1 April of each company should treat insurance companies have their own books. This should bring about a substantial reduction of reserve requirements as well as losses. We expect this business to break even this financial year.


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