the life and casualty insurance company of tennessee was a life insurance company based in nashville , tennessee , founded in 1903 by a. m. burton ( andrew mizell burton ) , great-grandfather of singer amy grant .

burton was a regional manager for the western & southern life insurance company , based in cincinnati , ohio , when it decided to discontinue operating in tennessee .

burton was going to be discharged , but according to company lore , was told by his superior , " if you 're the man that i think that you are , you 'll start your own company , " and he did so .

for many years , the firm sold a mixture of " industrial life insurance " policies , with small face amounts and costing low premiums , to working-class individuals and small farmers and " ordinary life " policies for middle class and affluent persons .

much of this business was sold on the " debit " or " home service " plan , where ausually the one who sold the policy initially , personally called on the client to collect the premiums when they became due .

in 1957 the company occupied its new home office , the 31-story life & casualty tower , located at 4th avenue north and church street in downtown nashville ; the building was briefly the tallest one in the southeast .

the company was also known for its ownership of radio and television stations wlac , properties it held until the 1970s .

in the mid-1960s , the company was sold to the american general insurance company of texas , but its operations remained largely unchanged until the early 1980s .

in 1968 the former knights life insurance company of pittsburgh , pennsylvania ( then a part of american general insurance ) had its operations transferred from pittsburgh to nashville .

when american general acquired longtime nashville rival national life and accident insurance company in a hostile takeover it implemented plans to merge the two companies .

by the end of the 1980s this had been largely accomplished , and the l&c tower , still a nashville landmark but no longer its tallest building , was sold to outside interests .

the company burton founded went through a series of mergers and acquisitions which now form american general life and accident , now headquartered in the nashville suburb of brentwood , tennessee as part of american international group ( aig ) .

the case presents the same question as life & casualty insurance company of tennessee v . mccray ,
life & casualty insurance company of tennessee , appellant , v . margaret w . gurley , appellee
currently there are no reviews for ' life & casualty insurance company of tennessee ' . be the first to write a review for them !
provident life and casualty insurance company , a corporation of the state of tennessee , plaintiff - respondent , v . bruce a . fein , defendant - appellant .
life & casualty insurance company of tennessee , appellant , v . margaret w . gurley , appellee , 229 f . 2d 326 ( 4th cir . 1956 )
the company was issued an order of liquidation in 1993 . the state life and health guaranty associations helped arrange for lincoln life & casualty insurance company to assume all policies .
life & casualty insurance company of tennessee , appellant , v . margaret w . gurley , appellee , 229 f . 2d 326 ( 4th cir . 1956 ) : : justia
a mutual company owned by policy holders . officers and employees of allstate insurance company serve as directors and officers of allstate county mutual insurance company
american heritage life insurance company ( subsidiary of american heritage life investment corporation ) associated insurance services , inc . ( georgia ) fidelity international company , ltd . ( bahamian corporation ) first colonial insurance company ( florida ) st . johns bluff timber company ( florida ) ahl select hmo , incorporated ( florida ) columbia universal life insurance company ( texas ) concord heritage life insurance company inc . ( new hampshire ) keystone state life insurance company ( pennsylvania )
unison international life insurance company , an insurer domiciled in oklahoma , was licensed to operate in 15 states . the company offered whole life , limited pay life , endowment , term and group life , immediate and deferred annuities , and individual guaranteed renewable health insurance .
suit was commenced in the superior court of alamance county , north carolina , by margaret w . gurley , as beneficiary under a life insurance policy , against life & casualty insurance company of tennessee ( hereinafter called the company ) . upon petition of the company , the case was removed to the united states district court for the middle district of north carolina .
note : lincoln life & casualty company originally assumed the unison policies . since then , the company merged with reassure america life , a subsidiary of swiss re . in 2012 , jackson national life acquired swiss re including reassure america life . policyholders are asked to contact the company at the number and address on their previous correspondence from reassure america life .
allstate life insurance company ( subsidiary of allstate insurance company ) afdw , inc . ( oregon ) allstate distributors , l . l . c . ( delaware ) afd , inc . ( illinois ) allstate financial advisors , llc ( delaware ) allstate financial services , llc ( delaware ) alfs , inc . ( delaware ) allstate life insurance company of new york ( new york ) allstate assignment company ( nebraska ) allstate settlement corporation ( nebraska ) charter national life insurance company ( illinois ) glenbrook life and annuity company ( arizona ) intramerica life insurance company ( new york ) lincoln benefit life company ( nebraska ) lsa asset management , llc ( delaware ) northbrook life insurance company ( arizona ) provident national assurance company ( tennessee ) pt asuransi jiwa allstate ( indonesia )
allstate holdings , inc . ( subsidiary of allstate insurance company ) allstate floridian insurance company ( illinois ) allstate floridian indemnity company ( illinois )
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allstate new jersey holdings , inc . ( subsidiary of allstate insurance company ) allstate new jersey insurance company ( illinois )
the information on this page refers to policies issued and serviced by american general life insurance company and the united states life insurance company in the city of new york . in addition , policies from the following companies are serviced :
in the years that followed , a . m . burton achieved distinguished leadership in many fields of endeavor and became nationally and internationally known and appreciated . the business that he founded in 1903—the life and casualty insurance company of tennessee—and over which he presided as president for forty - eight years is now one of the nation ' s largest and strongest insurance firms with nearly three billion dollars of insurance in force .
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welcome to the tennessee life and health insurance guaranty association (
guaranty association
) web site . we hope you find this site helpful in providing information regarding the purpose of the guaranty association and how it protects resident policyholders in the event of an insurance company insolvency .
her husband , the late a . m . burton , was one of the five founders of the life & casualty insurance company . brother and sister burton made gifts estimated at more than twenty million dollars during their lifetime .
vision —he possessed the ability to see farther and clearer than other men . at the turn of the century , he dreamed of building the life and casualty insurance company ; and more than twenty - five years before the life and casualty tower was erected he had a picture produced by an artist of what the building would look like . he kept this picture on his desk through all those years .
pafco underwriting managers inc . ( subsidiary of allstate international insurance holdings , inc . ) pembridge insurance company ( ontario )
© 2001 - 2018 all rights reserved . the national organization of life & health insurance guaranty associations
allstate insurance company ( subsidiary of the allstate corporation ) allstate holdings , inc . ( delaware ) allstate holdings , llc ( delaware ) allstate indemnity company ( illinois ) allstate insurance company of canada ( canada ) allstate international inc . ( delaware ) allstate life insurance company ( illinois ) allstate new jersey holdings , inc . ( delaware ) allstate property and casualty insurance company ( illinois ) allstate texas lloyd ' s , inc . ( texas ) forestview mortgage insurance co . ( california ) general underwriters agency , inc . ( illinois ) the northbrook corporation ( nebraska ) willow holdings , llc ( delaware )
when one approaches nashville from any direction , the first building that comes into view is the life and casualty tower—a monument in the business world to the memory of a . m . burton .
american heritage life investment corporation ( subsidiary of the allstate corporation ) american heritage life insurance company ( florida ) american heritage service company ( florida ) amherst investment company ( florida ) colonial reinsurance , ltd . ( british virgin islands ) e . r . j insurance group , inc . ( florida ) florida associated services , inc . ( florida )
the liquidator , by court order , becomes the sole owner of the company ' s assets and administers the estate of the company .
to determine if a company uses credit information for private passenger automobile or homeowners insurance .
the domiciliary state is the state in which an insurance company is incorporated or organized .
his generosity was expressed in numerous little ways , as well as in the larger , more monumental gifts . he liked to fill his pockets with tiny rosebuds and hand them out to office workers and others whom he met along the way as he went by the college or at the life and casualty insurance company .
claims examiners are typically involved in health and life insurance , and review medical records to determine the proper payout for major medical procedures .
a . m . burton came to nashville at the age of eighteen armed with only twenty months of formal education in trousdale county schools . he went from a day laborer to a leading insurance executive - having founded life & casualty in 1903 .
an naic number is a five - digit number assigned to every insurance company by the naic ( national association of insurance commissioners ) . because each company has its own unique number , the naic number can be used to identify a particular company .
the allstate corporation ( delaware holding company ) allstate insurance company ( illinois ) allstate international insurance holdings , inc . ( delaware ) allstate non - insurance holdings , inc . ( delaware ) allstate bank american heritage life investment corporation ( delaware ) kennett capital , inc . ( delaware ) willow insurance holdings inc . ( delaware )
while agents often specialize in a particular category of insurance , some sell several different types of insurance . agents can work for a larger insurance company or operate independently , selling policies from several different insurers .
to receive a payout for an insurance policy , the policyholder must file a claim with the insurance company . the basics of the process are straightforward , but can vary depending on the type of insurance .
claims adjusters and examiners a claims adjuster or claims examiner is an employee of an insurance company , and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided . an adjuster inspects claims related to property damage , as in the case of auto or home insurance policies . claims examiners are typically involved in health and life insurance , and review medical records to determine the proper payout for major medical procedures .
policy loans and withdrawal requests can be requested by completing a policy loan application or policy withdrawal request form from the life insurance forms above .
the company ' s agent , w . g . ware , solicited henry t . gurley to take a mortgage retirement insurance plan of life insurance ; on july 17 , 1952 , gurley executed an application requesting such a plan . at this time , gurley gave checks , payable to the company , totalling $ 99 which was represented by the agent and stated in the application to be the first full premium ; ware executed and delivered to gurley the company ' s printed form of receipt . these checks were cashed by the company and deposited to its account on july 19 , 1952 . the application and a report of a medical examination were sent by the company ' s agents to its home office at nashville , tennessee . the company approved the application and ordered the issuance of a policy for the plan and the amount of insurance applied for by gurley . the company applied a
class b
rate which increased the quarterly premium to $ 122 . 31 and declined to grant a request for waiver of premium in the event of disability .
a claims adjuster or claims examiner is an employee of an insurance company , and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided . an adjuster inspects claims related to property damage , as in the case of auto or home insurance policies .
when considering the company ' s complaint index and ratio , be sure to review the company history information displayed below for recent acquisitions , mergers , or other events that may affect the figures displayed for this company .
the very thought of a poor country boy without formal education founding and building an insurance company was amazing - and still is . he persuaded five others , including among them mrs . helena johnson , to invest with him , and established the new company .
for names of the companys current officers , please contact the company at the phone number listed in the contact information above or on their website .
life insurance when someone dies unexpectedly or is injured severely enough to be unable to work , it can be a financial disaster for their family or loved ones . many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost . life insurance comes in two basic types : term and universal . with a term life insurance plan , you pay a premium for a predetermined amount of time , usually 10 years or more . if you die at any point in that timeframe , your family receives a death benefit . if you ' re still around when the term is over , the coverage is canceled and you receive nothing . universal life covers your entire life , and usually delivers a minimum benefit at death .
grant didn’t know her great - grandfather well—she was only 5 when he passed away—but that hasn’t lessened her appreciation for what he accomplished during his lifetime . the founder of life and casualty insurance co . of tennessee , a . m . constructed the 31 - story l & c tower , nashville’s first skyscraper and , at the time of its completion in 1957 , the tallest building in the southeast . it remains a prominent landmark on the nashville skyline . he also happened to be a notable philanthropist who gave back generously to the community .
located in crossville tennessee - the plateau group , inc . is an insurance holding company that specializes in the business of credit insurance and other loan related products for financial institutions , automobile dealers , consumer finance companies and other retail lenders . at plateau , we market , manufacture , administer and reinsure products that meet the needs of our customers while providing the highest levels of service and courtesy in the business . at plateau , we are always striving to be “your first choice” .
on march 1 , 2017 , penn treaty network america insurance company ( penn treaty ) and its wholly owned subsidiary , american network insurance company ( anic ) , were placed in liquidation by orders of the commonwealth court of pennsylvania . click here for a set of faqs addressing the penn treaty / anic liquidations .
confirmed complaints : the number of confirmed complaints closed against the company for the line of insurance and year indicated . a complaint is confirmed if the department receives information indicating that a company committed any violation of an applicable state insurance law or regulation , a federal requirement the department has authority to enforce or the term or condition of an insurance policy or certificate . a complaint is also confirmed if the complaint and company ' s response , considered together , suggest that the company was in error or that the complainant had a valid reason for the complaint .
policies of an insolvent company are often transferred to a financially sound insurance company . if policies are not transferred to another company , the policies are continued and claims administered by either the guaranty associations or a third - party administrator ( tpa ) working on behalf of the associations . please contact the company / tpa listed below or the guaranty association in your state of residence for more information about your policy .
complaints against an insurance company are not part of the complaint tally above if the insurance company served only as a third party administrator ( tpa ) , a company hired simply to administer the paperwork of a health plan . instead , they are included in the complaint record of the insurance company or hmo that hired the tpa . if a bonafide self - insured benefit plan hired the tpa , no complaint numbers are recorded as a part of the company / tpa ' s profile . neither are profiles available for self - insured plans , as such plans are regulated under federal law .
yes , we offer our most frequently requested forms on - line for immediate download . see links above under life insurance forms . you can also
address change requests can be made securely through our eservice site . you can also download an address change form from the life insurance forms above .
from business : globe life has been making life insurance easy to buy since 1951 . there are no medical exams - just a simple application . it ' s easy to apply and there is no waiting period . full coverage starts as soon as your policy is in effect . benefits will never be canceled or reduced for the life of the policy if premiums are paid on…
complaint ratios : the ratio , expressed as a percentage , is the number of closed confirmed complaints divided by the number of policies the company had in force for the line of insurance and year indicated .
an insurance syndicate organized under the laws of texas . allstate texas lloyd ' s , inc . ( a direct wholly - owned subsidiary of allstate insurance company ) is the attorney - in - fact for this syndicate .
plaintiff , provident life and casualty insurance company , sued in the chancery division to rescind a disability insurance policy issued to the defendant , bruce a . fein ; alternatively , provident sought a declaratory judgment that defendant was not disabled under the terms of the policy . defendant filed a counterclaim for breach of contract , claiming entitlement to the policy ' s benefits . both parties sought summary judgment on the issue of rescission . provident prevailed , and defendant filed this appeal . since we believe provident was not entitled to rescind the policy , we reverse and remand for trial on the issue of disability .
approval of your application for reinstatement under the underwriting rules and practices of the company in effect for the type of policy for which reinstatement is requested .
on behalf of a vast host of people who will always appreciate the life and work of a . m . burton , our prayers and best wishes reach out to mrs . burton , who shared with him an abundant life for more than sixty years , and to every member of the family in the loss of one so dear to so many .
beneficiary change requests can be made securely through our eservice site . you can also download a beneficiary change form . see links above under life insurance forms .
american general life companies the united states life insurance company in the city of new york 800 - 888 - 2452 tdd : 888 - 436 - 5256 fax : 713 - 831 - 3028 standard usps : p . o . box 2808 amarillo , texas 79105 - 2808 overnight : attn : claims 1050 north western street amarillo , texas 79106 - 7011
margaret w . gurley sought to recover $ 20 , 000 as the beneficiary of a mortgage cancellation policy on the life of her deceased husband , henry t . gurley ( hereinafter called gurley ) . the company denied the policy had ever been issued and delivered to the applicant gurley and denied that the first full premium had been paid . in short , the company contended that no contract of insurance had ever been consummated between it and gurley .
he was born in very modest circumstances and was reared on a farm in trousdale county , tennessee . his total formal education consisted of no more than twenty months of schooling . as a lad , he worked in the tobacco fields for fifty cents a day .
in hardy v . aetna life insurance co . , 154 n . c . 430 , 70 s . e . 828 , 832 , the court quoted with approval this extract from vance on insurance , page 169 :
even under these circumstances , he managed to save something of what he earned each day . he got a job selling insurance in nashville , and his excellent native abilities soon brought him to the position of state agent . when that company went out of business , he decided to form a company of his own .
florida associated services , inc . ( subsidiary of american heritage life investment corporation ) realty advisers corp . ( florida )
he walked a cow to nashville - a distance of forty miles from his home - to provide milk for a baby of a kinsman . in nashville he secured work as a day laborer at the tennessee centennial grounds for a dollar a day .
they sent one company to a fix leak in dishwasher . still leaked so they sent a different company . i had to pay for two separate service calls . cance…
pembridge america inc . ( subsidiary of allstate international insurance holdings , inc . )
lexisnexis is publishing a new volume of our authoritative treatise on the nation’s insurance law , the new appleman on insurance library edition . it is entitled “insolvency and bankruptcy . ”
we find no merit in the company ' s contention that gurley was uninsurable on september 18 , 1952 . the record is devoid of any substantial evidence to support that contention . indeed , the evidence of dr . fewell , the company ' s witness , favored gurley rather than the company .
foscue v . greensboro mutual life insurance co . , 1928 , 196 n . c . 139 , 144 s . e . 689 and burch v . provident life & accident insurance co . , 1931 , 201 n . c . 720 , 161 s . e . 313 , cited by the majority as apparently holding that a soliciting agent , such as ware , can waive written conditions and requirements connected with the inception of the insurance contract and payment of the first premium , were not so construed by the north carolina courts .
to file a death claim on a life insurance policy , please call the customer service center at 800 - 888 - 2452 . to expedite the call , please visit the claims section of our website and have the appropriate information ready when calling to file a claim . or you can download the life claims kit and mail the necessary document to the address below .
in describing the conversion of her husband , baxter recalled during this service how instrumental sister burton was . she said he was baptized by c . m . pullias who had been his boyhood friend when they were growing up near hartsville , tennessee .
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from business : welcome to hazard insurance agency ! hazard insurance agency was established in 1915 to serve hazard , perry county and the surrounding area . originally called the …
allstate international insurance holdings , inc . ( subsidiary of the allstate corporation ) allstate international holding gmbh ( germany ) allstate life insurance company of the philippines , inc . ( philippines ) allstate investments , k . k . allstate reinsurance ltd . ( bermuda ) allstate services , inc . ( japan ) pafco underwriting managers inc . ( ontario ) pembridge america inc . ( florida )
the following organizations rate insurance companies on their financial strength and stability . some of these companies charge for their services .
apparently , a soliciting agent such as ware , in north carolina , has the power to waive certain written conditions and requirements connected with the inception of the insurance contract and the payment of the first premium though not as to subsequent premiums nor as to the coverage or the operation of the policy . foscue v . greensboro mutual life insurance co . , 196 n . c . 139 , 144 s . e . 689 ; burch v . provident life & accident insurance co . , 201 n . c . 720 , 161 s . e . 313 .
these provisions seem to me to have been deliberately designed to prevent the possibility of recovery in a case such as this , and to be adequate for that purpose . their validity has been frequently upheld . ray v . security trust & life insurance co . , 1900 , 126 n . c . 166 , 35 s . e . 246 ; whitley v . peidmont & arlington life insurance co . , 1874 , 71 n . c . 480 ; ormond v . fidelity life association , 1887 , 96 n . c . 158 , 1 s . e . 796 ; sturgill v . new york life insurance co . , 1927 , 195 n . c . 34 , 141 s . e . 280 ; north carolina bank & trust co . v . pilot life insurance co . , 1934 , 206 n . c . 460 , 174 s . e . 298 ; curtis v . prudential insurance co . , 4 cir . , 1932 , 55 f . 2d 97 .
in this chapter , five insurance insolvencies are discussed in detail to illustrate a number of the issues that are presented in the management of troubled insurers . the companies discussed are the legion insurance group ( see section 104 . 01 ) , shenandoah life insurance company ( see section 104 . 02 ) , lumbermens mutual casualty company ( sometimes referred to as the “kemper companies” ) ( see section 104 . 03 ) , reciprocal of america ( see section 104 . 04 ) , and ambac assurance corporation ( see section 104 . 05 ) . no suggestion is made that these represent the largest , most important , most unusual , or even the latest significant insolvencies . indeed many others from among the thousands of u . s . insurers subjected to rehabilitation or liquidation proceedings might have been included on this list . instead , the authors have selected these cases because they illustrate both the typical issues that arise in insurance failures and also certain unusual challenges or results .
he often spoke of the fact that his success in business related back to the poor and underprivileged people who were the first to buy policies in the life and casualty insurance company . he had a genuine concern for the underprivileged , regardless of the reason for their poverty , and often was heard to say that high taxes were a blessing—a strange statement , in the eyes of many , for a man of great wealth . in this connection , he liked to quote leviticus 25 : 10 , 11 :
and ye shall hallow the fiftieth year , and proclaim liberty throughout the land unto all the inhabitants thereof : it shall be a jubilee unto you ; and ye shall return every man unto his possession , and ye shall return every man unto his family . a jubilee shall that fiftieth year be unto you .
the key phrase in this statute is , “in connection therewith . ” the evident purpose of this phrase is to provide an insured with the earliest reasonable notice that the insurance company is not simply accepting the overdue premium payment and reinstating the policy as a matter of course . the phrase implies that the receipt of the payment and the issuance of the conditional receipt will be linked together . obviously , the insurance company cannot be expected to act instantaneously . however , the phrase , read in conjunction with the proviso , clearly intends that in asking for an application , the insurance company must simultaneously issue the conditional receipt , and these two joint steps must be done promptly in relation to acceptance of the late premium payment .
andrew mizell burton was an extraordinary man from every point of view . he lived in a fabulous era of progress and development . he was a part of that era , and a factor in its marvels . his life was a fulfillment of the american dream that any boy can rise to the heights of success and achievement .
( 1 ) was the contract of insurance in force at the time of the death of the insured ? this involves several subsidiary questions .
in o ' donovan , supra , louisiana ' s intermediate appellate court construed its essentially identical reinstatement statute as permitting the insurance company a reasonable period of time to demand reapplication and issue a conditional receipt to avoid automatic reinstatement of the policy as a result of an overdue premium payment . 305 so . 2d at 646 . however , the court held that a thirteen - day delay by the insurance company in issuing the conditional receipt was unreasonable . ibid .
umbrella insurance is extra coverage from liability for other insurance policies , usually home or auto insurance . consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover .
the lumbermens case , involving an illinois insurer , showcases many of the complexities in dealing with very large casualty company failures but also presents an innovative run - off effort that adopted the unusual technique of policy buy - backs . it also highlights the difficulties with voluntary rehabilitations occurring outside of court proceedings . sections 104 . 03 [ 2 ] and 104 . 03 [ 3 ] discuss the attempts to resolve the company’s problems through a run - off outside receivership , including the use of policy buy - backs and novations . section 104 . 03 [ 4 ] addresses the eventual involvement of regulators in the efforts to rehabilitate the company . section 104 . 03 [ 5 ] considers the role of guaranty associations as the voluntary run - off gave way to formal proceedings .
there is no evidence whatever that the officials of the company had any notice that the local agent was collecting weekly installments from the insured , or that the agent remitted same or any part thereof to the company . had there been any such evidence , and had the company had notice of the situation as it actually was , an entirely different case would be presented for our consideration .
in north carolina bank & trust co . v . pilot life insurance co . , 1934 , 206 n . e . 460 , 174 s . e . 298 , 300 , the exact question posed , and answered in the negative was :
in saying that the insurance company must act “promptly” we are not holding that the conditional receipt necessarily must be issued at the same precise time or even on the same day the company receives the late payment . however , the amount of time required for the simple act of sending the conditional receipt with the reinstatement application should not be measured against the time an insurance company might desire for investigation of the matter . that approach would be inconsistent with the cases discussed above and with the general principle , accepted in this state , that “ [ a ] n insured cannot be penalized for an insurance company ' s internal procedures . ” meier v . new jersey life ins . co . , 101 n . j . 597 , 609 , 503 a . 2d 862 ( 1986 ) . in this context , where the purpose of the statute is to provide an insured with the earliest possible notice that he or she might have to seek insurance elsewhere , the concept of a reasonable time should be measured in relation to the time required to prepare and transmit the necessary paperwork .
these case studies may certainly not be viewed as a comprehensive survey of all the material issues that arise in insurance receiverships or rehabilitations . however , they provide a useful collection of problems and approaches illustrative of what receivers and creditors must address in the case of troubled insurers . these cases are likely to serve as precedent for some time in key areas of insurance insolvency law and practice .
as stated in waters v . security life & annuity co . , supra , 57 s . e . at page 439 :
it is not required at all that the acceptance by the company should be indicated by a manual delivery of the policy to the insured , for , as said in some of the cases cited , ` it is not the physical possession of the policy , but the legal right thereto , which is determinative of the question . ' * * * and where a policy which complies with the application has been unconditionally delivered , in the absence of fraud , it is held to be conclusive evidence that the contract of insurance exists between the parties . rayburn v . [ pennsylvania ] casualty co . , 138 n . c . 379 , 50 s . e . 762 ; * * grier v . [ mutual life ] insurance co . , 132 n . c . 542 , 44 s . e . 28 * * .
insurance agents selecting the right insurance involves careful research and evaluating many different options for coverage . this is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation . agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most . based on their needs and individual risk , agents can often give potential customers a quote , which serves as a cost estimate for a specific policy . this is only a rough idea of what the policy will cost , because evaluating the risk associated with a given customer can take time . insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly . credit scores play a major role in insurance scores , but past insurance - claim history is also taken into account .
to check on the status of a death claim on a life insurance policy , please call the customer service center at 800 - 888 - 2452 , monday through friday 7 a . m . – 7 p . m . central time .
have been without a . m . burton , i realize the debt owed to him by so many for so long .
the man who is now president of the life and casualty insurance company , guilford dudley , jr . , expressed well what so many feel as they think of a . m . burton ' s life :
a . m . burton has ' gone away . ' somehow or other even though i was well aware that he was 87 years old on his last birthday , february 2 , i always thought he would outlive us all . somehow i think i was right and though i was a pallbearer at his funeral , i still think he will outlive us all . . . . yes , i think he will outlive us all , for he was a truly great man , and his good works will live after him .
almost anything of value can be insured to protect against loss due to a variety of circumstances . insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed . some of the most common insurance policies cover things we all use .
property insurance also may cover certain major events outside of your control . these are known as perils , and may include fire , flooding , natural disasters and other catastrophic events . you may want to purchase insurance against one or more of these perils if you live in a high - risk area . flood insurance is an exception , however , and can be purchased through the government - sponsored national flood insurance program . your lender may require this if you live in a flood - prone area .
college and the nashville christian institute and made personal contributions to numerous educational institutions throughout the nation and the world .
from business : we provide free insurance quotes from many leading providers . we can help you purchase an insurance policy that is not only affordable but also provides the best …
the bank case , which impressed the district judge , is clearly distinguishable upon the facts . there , the agent made it clear to the applicant that the insurance was not in effect until he paid the premium , none of the premium had been paid , and the insurance company had no knowledge that the first full premium had not been paid .
if the beneficiary is a business , the person signing the form must be an officer or owner of the company . the company ' s name must be given and the title of the person signing ( for example , “john doe auto sales , pat jones , president” ) . a
certificate of incumbency
should accompany the claim statement .
formed as a special purpose vehicle solely for the purpose of issuing certain debt instruments to institutional investors in europe . the proceeds of such issuances are deposited with allstate life insurance company ( alic ) under the terms of several funding agreements . neither the allstate corporation nor its subsidiaries are shareholders . established as part of alic ' s funding agreement backed emtn program ( european medium term note program ) to access longer dated fixed maturity contracts in europe .
complaint index : indicates how a company ' s ratio of the number of complaints to the number of policyholders compares to the average for all insurers . the index is calculated by dividing the company ' s percentage of complaints for a specific line of insurance by the company ' s percentage of the policies in force for the same line of insurance . the average index is 1 . 00 . a number less than 1 indicates fewer complaints than average ; a number greater than 1 indicates more complaints than average . for the most recent completed year , a given insurer ' s index may change over time , as policy count data is received by tdi . this will affect each insurer ' s percentage of the total .
of course , in this instance grant could just as easily be talking about life in a broader sense . like music , it is best experienced in the company of others and is soul - enlarging in its own way . as grant figures it , there’s no greater blessing than being part of a community that cares , and the least she can do is take the light she has been given and shine it toward those who need it most .
reciprocal of america ( “roa” ) , a virginia insurer , is in many respects a more typical property and casualty receivership but its case demonstrates the complexity of affiliate reinsurance , the contrast between risk retention groups and conventional insurers , the difficulty of managing workers’ compensation insurance ( especially when a significant portion is not covered by guaranty associations ) , and an unusual wind - down technique . section 104 . 04 [ 1 ] reviews the company’s rapid growth particularly in the workers’ compensation market , and the creation of risk retention groups in another state ( tennessee ) to fuel that growth by avoiding regulatory requirements . sections 104 . 04 [ 2 ] – 104 . 04 [ 4 ] provide a detailed and helpful guide of some of the mechanics of such a receivership , including the use of deputy receiver directives and a receivership appeal procedure . section 104 . 04 [ 5 ] examines the difficult relationship this receivership has had with guaranty associations , including the unprecedented effect of net worth exclusion provisions . sections 104 . 04 [ 6 ] and 104 . 04 [ 7 ] consider issues that arose between roa and its quasi - affiliate offshore reinsurer and also those involving the risk retention groups it reinsured . section104 . 04 [ 8 ] describes some of the asset recovery efforts that ultimately proved critically important in the ability to pay policyholder claims in full , as discussed in greater detail in section 104 . 04 [ 10 ] . section 104 . 04 [ 9 ] describes the rescission efforts of the company’s directors’ and officers’ liability insurer due to management’s alleged fraud , illustrating an issue of which receivers should always be mindful .
pet insurance pet insurance is a relatively new product that may help cover the costs of medical care for a dog , cat or other domestic animal . medical care for animals can be very costly , particularly because insurance for them is rare . by paying into a premium , you can help offset the cost of unexpected emergencies as well as routine checkups and medication . while virtually unheard of a few years ago , pet insurance has become more popular as the cost of veterinarian care has continued to rise .
counsel for the company have made a forcible argument for reversal , relying primarily on curtis v . prudential ins . co . , 4 cir . , 55 f . 2d 97 , and north carolina bank & trust co . v . pilot life insurance co . , 206 n . c . 460 , 174 s . e . 298 . we find neither case controlling on the facts before us .
the district court , sitting without a jury , awarded gurley ' s widow , as beneficiary of this insurance policy , the sum of $ 20 , 000 , less $ 23 . 31 , the unpaid portion of the first premium . from this judgment the company has appealed to us .
it is elementary that an insurer may waive any provision for its benefit and may waive any representation , warranty , condition or limitation in the policy upon which it would otherwise be entitled to rely . since provisions for payment of premiums and reinstatement are considered to be for the benefit of the insurer , they may likewise be the subject of waiver , thus rendering the insurance company liable for loss occurring during a time when , according to its contract , it would be relieved of liability . see graham v . security mutual life insurance company , 72 n . j . l . 298 [ 62 a . 681 ] ( e . & a . 1905 ) ; 16 j . a . appleman , insurance law and practice [ hereinafter cited as appleman ] , § 9083 ( 1944 ) , and see annot . , 7 a . l . r . 3d 414 ( 1966 ) . cf . ciccone v . the colonial life insurance company , 110 n . j . l . 276 [ 164 a . 444 ] ( e . & a . 1933 ) holding that an insurer which refused the tender of a premium payment because the assured had failed to make timely payment and on this basis declared the policy had lapsed , was precluded in a later action on the policy from urging it had lapsed on another ground not asserted in declaring the default .
the claims process begins when a beneficiary contacts the customer service center to notify the insurance company of the intent to file a death claim . beneficiaries must request the claimant statement , complete the form and submit it , along with the required documentation , to the customer service center .
attract and retain top talent with employee benefit solutions that are compelling—and cost effective .
subscribers to the library edition are given free access to previous editions of the appleman treatise , amounting to an incomparable collection of insurance law analyses .
in price , supra , the court of civil appeals of texas , confronted by the same statutory language , held that the insurance company was entitled to a reasonable period of time after receipt of an overdue premium to decide whether it wanted a reinstatement application from the insured as a condition of reinstating the lapsed policy . 590 s . w . 2d at 645 - 46 . thirteen days passed before the company asked for the application . the court had this to say :
umbrella insurance umbrella insurance is extra coverage from liability for other insurance policies , usually home or auto insurance . consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover . for example , most car insurance liability policies cover at least $ 25 , 000 per person or $ 50 , 000 per accident . but if the accident involves a very valuable car , or the victim is willing to pursue legal action , insurance may not even begin to cover the full cost . you may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy .
how to make a claim filing an insurance claim can be stressful and confusing , but you need to begin the process as soon as possible to make certain you can recover your losses . it ' s important to note that in the case of emergencies , you should always call 911 first . the safety and health of yourself and others takes precedent over insurance .
b . waiver of prepayment of premium . having found a constructive delivery , the majority then find that such delivery constituted a waiver of the policy requirement of prepayment of the first premium . grier v . mutual life insurance co . , 1903 , 132 n . c . 542 , 44 s . e . 28 , relied upon by the majority , was a case in which there had been an actual delivery , and a tender in cash of the first premium . the court expressly raised the question ( 44 s . e . at page 29 ) , whether a contract would have existed in the absence of actual delivery . pender v . north state life insurance co . , 1913 , 163 n . c . 98 , 79 s . e . 293 , expressly limits waiver of prepayment of premiums to conduct of the company , or of an agent having authority to execute and issue contracts , and even then only in the case of an
absolute delivery
. this is clearly stated as follows ( 79 s . e . at page 295 ) :
woodlawn cemetery , nashville , tennessee , is located behind the 100 oaks shopping center that faces i - 65 just south of the i - 440 interchange . from 100 oaks travel east on thompson lane and turn right at the first entrance to woodlawn ' s south side park ( across from main part of cemetery ) . take the first left and road will bear around to the right . stop the car around the trashcan and look to your left . about mid - section of lakeview is a tree . go just about to the tree and look to the left .
class beneficiaries : an affidavit showing the names and dates of birth of each must be submitted .
concern for the poor —unlike many men of wealth and power , a . m . burton never lost the common touch . throughout his life he was deeply concerned about the poor , the blind , the orphan , and the crippled . he had a special collection of the scriptures translated into braille and made available without cost to the blind .
the company issued policy no . 493585 august 1 , 1952 , to gurley and fixed the date of the second quarterly premium as november 1 , 1952 . the policy issued to gurley was acted upon or reviewed in five different departments of company ' s home office . it was a fully executed policy containing all the schedules and provisions applicable to this particular insured ; the signatures of the president and secretary of defendant ; an effective date of august 1 , 1952 , at which date it was carried on defendant ' s books , and the 41 - year endowment period calculated , as well as the due date of future premiums ; and a serialized number by which it appears on many different records of the company . in short , it received the same home office action accorded to all other similar policies in full force and effect .
in addition to reviewing your policy or contacting the customer service center for advice and guidance , you may also contact your state insurance department .
automotive insurance millions of americans drive a car to get from place to place each day , so it makes sense that auto insurance is one of the most commonly used types . in most states , the law requires drivers to maintain an active insurance policy on any car , up to a certain amount . most car owners are required at minimum to purchase liability insurance , which protects against damage for which the policyholder is at fault . liability insurance covers damage to property as well as any injuries sustained in an accident . it ' s important to note liability insurance only covers damage or injuries of others , not the policyholder themselves . in addition to liability insurance , car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident . for this purpose , liability , vehicle and medical coverage are often packaged together in a single policy .
find local listings of businesses and services near you . get driving directions , reviews and ratings , phone numbers , addresses and more on local . com .
the question of the prepayment of the first full premium is precluded , we feel , by waiver on the part of the company , in its actions and in those of its agent , ware . under north carolina law , delivery of an issued policy constitutes a waiver , in the absence of fraud , of such a written requirement . grier v . mutual life insurance co . , 132 n . c . 542 , 44 s . e . 28 ; see , also , pender v . north state life insurance co . , 163 n . c . 98 , 79 s . e . 293 . counsel have failed to cite north carolina decisions making a distinction between
actual
and
constructive
delivery on this specific question , other than our language in curtis v . prudential insurance co . , 4 cir . , 1932 , 55 f . 2d 97 which was prior to erie r . co . v . tompkins , 304 u . s . 64 , 58 s . ct . 817 , 82 l . ed . 1188 , and is of little aid here .
the company contends that the application , premium receipt and policy required ( 1 ) delivery of the policy and ( 2 ) payment of the first full premium , both during the lifetime and continued insurability of the applicant . it is asserted that these are valid and enforceable conditions precedent to the validity of the policy , neither of which was complied with here by the applicant gurley and the agent ware ; that there was no waiver , and in addition , that on september 18 , 1952 , applicant gurley was not insurable .


maybourne hotel group is a british luxury hotel operator , that owns and manages the berkeley , claridge 's and the connaught .

in 2004 , irish businessman derek quinlan formed takeover vehicle coroin ltd , majority owned by his own company quinlan private , to take over the then savoy group of hotels and london properties .

other shareholders included irish property entrepreneur patrick mckillen , who took a 36 % stake .

after selling the savoy , the company was renamed on january 24 , 2005 as the maybourne hotel group .

after quinlan fell into financial difficulties during the financial crisis of 2007 – 2008 , the group sought additional investors to offset its outstanding £ 660m debt .

the barclay brothers who also own the ritz hotel , took a minority stake in 2011 .

by this time , the irish national asset management agency had taken control of the outstanding bank debt , and later agreed sale to the barclay brothers .

this resulted in a london high court case between the barclays and mckillen to resolve control of the £ 1bn asset group .

in august 2012 the high court found in favour of the barclays , a ruling confirmed in the court of appeal in july 2013 .

however , by march 2014 mckillen was still seeking control of the company via his own and quinlan 's shareholdings in coroin .

on 22 december 2012 maybourne hotel group announced that it had completed its planned refinancing with a loan of £ 547 million in five year debt facilities arranged by blackstone real estate debt strategies ( breds ) .

the loan was underwritten by bank of america merrill lynch ( baml ) , the royal bank of canada ( rbc ) , wells fargo bank ( wells ) and breds .

this followed a rights issue of £ 145 million concluded earlier the same week with its existing shareholders .

the group stated that this would enable it to repay its current £ 660 million loan and continue to invest in its hotels .

in may 2015 the middle eastern group qatar 's constellation hotels gained a 64 % stake in the company .

maybourne hotel group

50 % food & beverage discount across maybourne hotel group . preferential room rates for yourself and family across maybourne hotel group . . . .
mr faber also confirmed that an agreement has been reached ending litigation related to maybourne hotel group .
to start the journey towards working for maybourne hotel group , please feel free to get in touch .
all current vacancies within the maybourne hotel group are listed below . please apply online for any positions that may be of interest .
maybourne hotel group owns and manages claridge ' s , the connaught and the berkeley – three of the most renowned hotels in london .
a career with maybourne hotel group will put you alongside people who craft amazing , individual experiences for our guests , and aim for perfection in everything they do .
it is not clear whether maybourne is currently in negotiations about taking on other hotel management contracts in those locations .
the battle for control of maybourne hotel group , owner of claridge ' s , the connaught and the berkeley sets irish property entrepreneur patrick mckillen against sir david and sir frederick barclay , owners of telegraph media group , parent company of the daily telegraph . they also own the ritz hotel in london .
quinlan private also owns the jurys inn hotel chain , having acquired the budget group in a deal worth €1 . 165bn ( £1 . 12bn ) in 2007 .
constellation hotels has become a major investor in the luxury hotel market in recent years , including the intercontinental london park lane in 2013 and le grand hotel in paris last year .
constellation hotels - which is owned by qatar holding , the sovereign wealth fund backed by the qatari royal family - has bought a 64pc stake in coroin , the holding company which owns the maybourne hotel group , made up of claridge ' s , the berkeley and the connaught .
claridge’s first - ever cookbook celebrates the best - loved dishes and drinks from the hotel’s past and present .
maybourne is run by stephen alden , an experienced hotelier who has run luxury properties in new york and venice .
mr mckillen controls 36pc of coroin , parent company of maybourne . he claims his pre - emption rights over other shareholdings in coroin have been breached by sir david and sir frederick ' s stake - building in the £1bn group .
maybourne ' s hotels are among the best - known in the world . mr quinlan renamed the group after selling the savoy , which is located on the strand , to the saudi prince alwaleed bin talal for £230m in 2005 .
mr quinlan , who is the controlling shareholder in maybourne hotel group , which owns and manages the berkeley , claridge ' s and the connaught , has asked lazard to identify opportunities to help him expand the company internationally . among these will be the recruitment of outside investors or a stock market listing that would be expected to value the company at more than £1bn .
lord grabiner made no issue about his clients ' wish to take control of the hotel group . he said :
at all times my clients have been keen to acquire these assets . they want to own them . there is no secret about that .
mr mckillen ' s involvement with the company dates back to 2004 when maybourne was taken over by a consortium including derek quinlan , backed by irish debt . although the hotels traded well when the credit crisis hit maybourne ' s £660m debt was taken over by the irish bad bank nama .
according to accounts filed at companies house , maybourne is controlled by its parent company , coroin ( which means
crown
in gaelic ) .
sir david and sir frederick are the owners of telegraph media group , publisher of the daily telegraph . the value of the transaction has not been disclosed .
however , he argued the matter before the court was not about how sir david and sir frederick had taken control of the group but about how mr mckillen had lost it .
through his private equity and real estate investment firm , quinlan private , mr quinlan had led a consortium of wealthy individuals who bought the then savoy group for £750m in 2004 .
our indulgent offers are designed to help you make the most of london and spend the rest of your time enjoying the luxury of the capital ' s most glamorous hotel .
mr quinlan also owns a large chunk of property adjacent to the berkeley and has retained lord foster , the leading architect , to devise a plan for a substantial expansion of the hotel .
maybourne hotels never stand still . we are constantly innovating and updating , with ideas that we hope will delight and inspire our guests . whether it’s the introduction of a cocktail - tasting concept , the publication of a groundbreaking cookbook or the opening of a new restaurant , we are always on the go . drop in here to read about what’s new in the world of maybourne .
the maybourne hotels have been the subject of persistent speculation about their future ownership , including the suggestion – subsequently denied – that the italian designer giorgio armani was in discussions to buy the berkeley .
an outright sale of the business is understood not to be on mr quinlan ' s agenda , and a final decision about the route that maybourne will ultimately pursue could still be some time off .
set in mayfair , claridge ' s is known and loved for its splendour , charm and impeccable service . the hotel ' s original art deco interiors have been sensitively interwoven with modern flourishes , such as contemporary suites and a michelin - starred restaurant .
alongside mr quinlan , coroin ' s investors include patrick mckillen , the irish property mogul , moya doherty and john mccolgan , the promoters of riverdance , and kyran mclaughlin , who is the chairman of elan corporation , the irish pharmaceuticals group , and is also a director of budget airline ryanair and davy stockbrokers .
between knightsbridge and belgravia , the berkeley treads its own path . this hotel has an independent spirit and eye for style , with rooms by leading designers , and a creative take on afternoon tea . from the blue bar up to the top - floor spa and pool , the berkeley is at once intimate and inspiring , sophisticated and surprising .
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a qatari investment vehicle has taken a majority stake in three of london’s most prestigious hotels in a landmark deal .
the sellers of the stake were the family interests of sir david and sir frederick barclay , and irish businessman derek quinlan .
the barclays first bought in to coroin in january 2011 , buying interests held by property investors the green family .
speaking on behalf of the barclay interests , representative richard faber said : “the business has performed strongly during the four years of our involvement and this has been a very successful investment for us . . . we are pleased to have concluded this transaction . ”
a long - running legal dispute about the ownership of three of london ' s most famous hotels opened in the high court today .
the dispute centres around actions taken by sir david and sir frederick in first buying equity stakes in coroin then buying the associated debt from nama .
mr mckillen alleges he was frozen out of the deals contrary to shareholder agreements drawn up when the hotels were first acquired .
his barrister philip marshall qc told the high court in london :
the question is that what they [ sir david and sir frederick ] have sought to do was unlawful and in breach of mr mckillen ' s rights .
the allegation was refuted by sir david and sir frederick ' s barrister lord grabiner qc .
he said :
mr mckillen thought if he threw enough mud at my clients they might be prepared to settle . the truth is it is mr mckillen who has behaved badly .
what mr mckillen does not want or like is that he may be squeezed out of coroin because he cannot afford to stay in it ,
lord grabiner submitted .
sir david and sir frederick cannot be held responsible for this .
it is a fact of life that if you want to be a shareholder of a company with a value approaching £1bn but have no money , you are likely to lose out in the end .
derek quinlan , the former property tycoon who owns some of london ' s most lavish hotels , has appointed investment bankers to assess an expansion plan that could include a lucrative stock market flotation .
the injection of third - party capital into the company will be looked at seriously ,
a person close to mr quinlan said .
mr quinlan believes there is an opportunity to grow the business by managing top - end hotels in other
gateway cities
, such as dubai , moscow , new york and paris .
although mr quinlan , who began his career at coopers & lybrand , the accounting firm , and then worked with the irish revenue commissioners as a tax inspector , has had a large number of approaches to buy each of his individual hotels , it is understood that none of the enquiries have met his valuations of the assets .
since then , he has invested tens of millions of pounds in the three remaining properties , including new spa and leisure facilities at the connaught , which is situated between green park and bond street in london ' s west end .
among the rival bidders it beat to win the auction were the irish horse - racing magnates jp mcmanus and john magnier .
quinlan private was established in 1989 and now includes a division which focuses on developing real estate investment opportunities in central and eastern europe .
among the other assets in its portfolio are an estate of 47 four - and five - star marriott hotels located across britain and the headquarters of bank of ireland and eircom , two of dublin ' s largest commercial property developments .
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found at the heart of mayfair village , the connaught offers a discreet blend of tradition and freshness . it has always been the choice for connoisseurs of the art of living well – where personalised service and a passion for traditional craftsmanship mix with contemporary flair .
designed for living , crafted for entertaining : andré fu’s contemporary glass penthouse is the sensational new definition of ‘wow’ .
indoor - outdoor living merge seamlessly in our stunning andré fu - designed glass penthouse – the new height of contemporary luxury .
from turf - smoked trout to lancashire custard tart , the new lunch menu at marcus is the creation of five inspired chefs .
fera at claridge’s launched an own - label artisan gin , inspired by the innovative flavour combinations found in our michelin - starred cuisine .
discover our exciting new restaurant at the connaught , open for all - hours informal gourmet dining .
long known for our artistic associations , the connaught has launched a series of outdoor painting masterclasses .
from michelin stars and traditional tea to inimitable cocktails and creative canapes , our restaurants and bars offer some of london’s most sought - after experiences .
for the most memorable gift imaginable , treat someone special to one of our carefully - curated experiences at claridge’s , the connaught or the berkeley .
the season is our own , most particular guide to the best events of the modern british social , cultural and sporting calendar .
join the winning team of people who take tremendous pride in working for london’s finest hotels .
find out more of the finer details about claridge’s , the connaught and the berkeley .
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our hotels are available on the global distribution systems under the chain code vy .
our hotels have histories that stretch back over a century . and , while each one retains its timeless appeal and individual nature , we are committed to ensuring they are always in tune with the wants and wishes of today’s discerning guests .
looking for stories , facts or images for print or digital publication or broadcasting ? you’ve come to the right place . in this area you can download press releases and find the relevant contacts for information and images of claridge’s , the connaught and the berkeley , including our stylish restaurants , bars and spas .
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set in the heart of mayfair , claridge’s is an art deco icon and a byword for timeless elegance . since the 1850s , claridge’s has excelled at the finer things in life : glamorous design , inspiring dining , impeccable service . today we draw on this history but also look to the future , blending innovation with the traditions of the past . above all , we are here to ensure your visit is an experience you will never forget . there are many 5 - star hotels in london but nowhere quite like claridge’s .
a time - honoured english tradition . dainty finger sandwiches , freshly - baked scones and pastries , accompanied by specially - selected teas .
anything you can imagine , we can make it come true . a wedding at claridge’s is london’s most envied invitation .
the fun - filled experience of discovering london as a family starts at claridge’s , with two rooms and treats for all . from £1 , 080 .
some weekends you never want to end . with breakfast included each day , this will be an experience to savour . from £510 .
settle into a suite and toast a memorable stay over your complimentary bottle of champagne . from £1 , 560 .
discover the suites at claridge’s – each one a unique combination of beautiful design , comfort and glamour .
we have partnered with children’s entertainers sharky & george to turn your family stay into an unforgettable adventure .
treat someone special to a taste of claridge’s with one of our beautiful gift vouchers .
lady mary returns to london , a century of royal weddings , roger federer on wimbledon : find them all in the latest edition of claridge’s magazine – the high society issue , out now .
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antonio sitzia may have been born in beautiful sardinia , but this man is no island .
he is the opposite , a personality that’s magnetic , embracing and always engaging . speaking to antonio one morning during breakfast , a guest approached , gently placed her arm around antonio , looked at me and said , “this man is very special , we love him” .
for a brief moment it seemed that i was being allowed into a secret world , a world that is the collins room , that holds antonio and his heart within . let’s go back to the story about how he came to be here at the berkeley , because he very nearly didn’t make it , which would have been a great loss to us all .
antonio’s father was a businessman , running a family chain of butcher shops in and around quatu , a coastal town on the north of the island .
following in sardinia’s seafaring tradition , antonio attended a nautical school and dreamed of becoming the skipper of his own boat . however , the family business called , and antonio started at the bottom sweeping floors . knowing antonio you understand that he is driven to be the best , and he eventually became head butcher on his own merit , no leg up from his father required !
now he had proven himself , antonio decided he wanted bigger challenges . he set about following a new dream – and that’s when he came to london .
in his own words he , “started the adventure of london” , by “standing on his own two feet” . luckily he had a cousin who lived in london , giving him a solid base from which to launch into london life .
and even more fortunately , his cousin had a cousin who was working at the berkeley . antonio worked hard to learn english , having never spoken the language , and was speaking like a genuine londoner in no time .
he first worked in the events team , and pushed himself hard , worked as many hours as was needed , improved his english , and built a reputation for always being there .
and he also learnt that he loved being with the guests . this insight propelled him to the collins room , a place he could see would allow him to really get to know and look after guests , and above all make a difference .
antonio describes the collins room as a room without a door , quite true in an architectural sense , but what he really means is that it is “an open house” , “it embraces everybody” .
while he won’t admit that he has a favourite time of day , he does enjoy meeting new people , and often that is during prêt - à - portea , the unique celebration of the traditional english afternoon tea .
when antonio is not on duty he will be at his other home , in rochester in kent , and he will be reading historical novels , cooking some sardinian ravioli , or pottering around his garden with its apple tree and resident fox .
but his thoughts always drift to the collins room . it has somehow captured his imagination and soul , like nothing in his life ever has , or ever will . it has his signature . he was born for it .
alan noone’s chief role is to keep everyone happy , from the guests to the staff .
for mourad khiat , the genius behind prêt - à - portea , inspiration comes from all sorts of places .