query: What is considered the costliest disaster the insurance industry has ever faced?

title: Florida

text: was the site of what was then the costliest weather disaster in U.S. history, Hurricane Andrew, which caused more than $25 billion in damages when it struck during August; it held that distinction until 2005, when Hurricane Katrina surpassed it, and it has since been surpassed by six other hurricanes. Andrew is currently the second costliest hurricane in Florida's history. Florida is host to many types of wildlife including: Marine mammals: bottlenose dolphin, short-finned pilot whale, North Atlantic right whale, West Indian manatee Mammals: Florida panther, northern river otter, mink, eastern cottontail rabbit, marsh rabbit, raccoon, striped skunk, squirrel, white-tailed

title: Insurance industry in China

text: of the whole insurance industry has exceeded RMB 200 billion, 5.6 times that of 2002. During the first three quarters of 2009 China's insurance companies had generated profits 36.9 billion RMB of which the seven largest insurers accounted for 90% of these profits. Despite all this growth the industry is still considered in its infancy stage when looking at China's insurance penetration compared to its peers in the rest of Greater China and Asia. The IAC represents the collective interests of the China's insurance industry. The Association speaks out on issues of common interest; helps to inform and participate in

title: Insurance industry in China

text: debates on public policy issues; and also acts as an advocate for high standards of customer service in the insurance industry. IAC has four working committees which are Life Insurance Working Committee, General Insurance Working Committee, Insurance Agency & Broker Working Committee, Actuarial Working Committee. The IIC is the nationwide academic association for research and policy analysis in insurance industry. It offers two publications: "Insurance Information" (Biweekly) and "Insurance Studies" (Monthly) This is a list of major insurance companies in China. General insurance topics: Insurance systems in other countries: Insurance industry in China The Chinese insurance industry has experienced rapid

title: Insurance in the United States

text: insurance was appointed in New Hampshire in 1851. In 1859, the State of New York appointed its own commissioner of insurance and created a state insurance department to move towards more comprehensive regulation of insurance at the state level. Insurance and the insurance industry has grown, diversified and developed significantly ever since. Insurance companies were, in large part, prohibited from writing more than one line of insurance until laws began to permit multi-line charters in the 1950s. From an industry dominated by small, local, single-line mutual companies and member societies, the business of insurance has grown increasingly towards multi-line, multi-state

title: Insurance industry in China

text: Insurance industry in China The Chinese insurance industry has experienced rapid expansion over the past decade, with annual life-insurance premiums growing from 10 billion U.S. dollars in 1999 to 46 billion U.S. dollars in 2006. In addition to steadily increasing demand, two major supply-side trends have encouraged the development of the industry: (1) under the World Trade Organization (WTO) framework, the Chinese government lowered entry barriers to foreign insurers, allowing them to establish joint-venture insurance firms in China; and (2) domestic insurers strengthened themselves through initial public offerings and other market developments. (For example, China Life Insurance at one point

title: Insurance cycle

text: the insurance cycle as the top challenge for the insurance industry, and nearly two-thirds believe that the industry at large is not doing enough to respond to the challenge. The Insurance Cycle affects all areas of insurance except life insurance, where there is enough data and a large base of similar risks (i.e. people) to accurately predict claims, and therefore minimise the risk that the cycle poses to business. The insurance cycle is a phenomenon that has been understood since at least the 1920s. Since then it has been considered an insurance 'fact of life'. Most commentators believe that underwriting

title: Insurance in the United States

text: Dodd–Frank Wall Street Reform and Consumer Protection Act which is touted by some as the most sweeping financial regulation overhaul since the Great Depression. The Dodd-Frank Act has significant implications for the insurance industry. Significantly, Title V of created the Federal Insurance Office (FIO) in the Department of the Treasury. The FIO is authorized to monitor all of the insurance industry and identify any gaps in the state-based regulatory system. The Dodd-Frank Act also establishes the Financial Stability Oversight Council (FSOC), which is charged with monitoring the financial services markets, including the insurance industry, to identify potential risks to the

title: For Colored Girls Who Have Considered Suicide / When the Rainbow Is Enuf

text: Broadway production. A review by "The New York Times" states: "What Miss Shange prefers to call a "choreopoem" has been expanded into realistic settings that too often resemble the sanitized atmosphere of an episode of "Good Times". The net result has been a considerable reduction in the work's emotional impact." As a result, the televised production is often seen as a diluted version of the original choreopoem. On March 25, 2009, the film industry magazine "Variety" reported that Nzingha Stewart, a black female director, had acquired the feature film rights to "for colored girls who have considered suicide/when the rainbow

title: The Disaster Artist (film)

text: The Disaster Artist (film) The Disaster Artist is a 2017 American biographical comedy-drama film produced and directed by James Franco. Written by Scott Neustadter and Michael H. Weber, the film is an adaptation of Greg Sestero and Tom Bissell's 2013 non-fiction book of the same name, and chronicles the unlikely friendship between budding actors Tommy Wiseau and Sestero, which results in the production of Wiseau's 2003 film "The Room", widely considered one of the worst films ever made. The film stars brothers James and Dave Franco as Wiseau and Sestero, respectively, alongside a supporting cast featuring Seth Rogen (who also

title: Economic effects of Hurricane Katrina

text: primary cause. Parent company Entergy Corporation promptly arranged $100 million in financing. The Insurance Information Institute reports that Hurricane Katrina was the costliest disaster in the history of insurance. It said that the insurance industry paid $41.1 billion ($45.1 billion in 2009 dollars) and more than 1.7 million claims – across six states. Some 15,000 claims adjusters from across the country were called in to handle the record number of claims for damage to homes, businesses and vehicles. Louisiana accounted for 63 percent of insured losses and Mississippi accounted for one-third. In addition, the federal government-operated National Flood Insurance Program

title: Disaster on the Coastliner

text: "the most truly dangerous stunt I ever did" and couldn't imagine "what [he] was thinking" in suggesting it. Shatner compared it to the work he'd done in "Kingdom of the Spiders", and wondered which was worse: "standing on top of a speeding locomotive without any kind of safety cable or gluing tarantulas to your face?" Jack Sessums worked on the miniature effects and had his work profiled in "TV Guide". "Disaster on the Coastliner" premiered on "The ABC Sunday Night Movie" on October 28, 1979. List of television films produced for American Broadcasting Company Disaster on the Coastliner Disaster on

title: Come What(ever) May

text: misdirected, and stonewalled". A particular point of interest for reviewers was how "Come What(ever) May" is more melodic than the band's previous album "Stone Sour". Melchor of "411mania" said the album is "much more liberal with the balladry and acoustic sounds than its predecessor"; of the track "Sillyworld" he said, "It sounds like what Nickelback could be if Chad Kroeger could write a good melody." In his review, Chad Bower labeled "Come What(ever) May" as a "very melodic and accessible album" writing that "it has a little something for everyone". Similarly, Megan Frye praised the album as an "unyielding effort

title: Disaster recovery plan

text: a disaster or otherwise unwanted event takes place. These measures focus on fixing or restoring the systems after a disaster. Corrective measures may include keeping critical documents in the Disaster Recovery Plan or securing proper insurance policies, after a "lessons learned" brainstorming session. A disaster recovery plan must answer at least three basic questions: (1) what is its objective and purpose, (2) who will be the people or teams who will be responsible in case any disruptions happen, and (3) what will these people do (the procedures to be followed) when the disaster strikes. Disasters can be natural or man-made.

title: Short-faced bear

text: Short-faced bear The short-faced bears ("Arctodus" spp.) is an extinct bear genus that inhabited North America during the Pleistocene epoch from about 1.8 Mya until 11,000 years ago. It was the most common early North American bear and was most abundant in California. There are two recognized species: "Arctodus pristinus" and "Arctodus simus", with the latter considered to be one of the largest known terrestrial mammalian carnivores that has ever existed. It has been hypothesized that their extinction coincides with the Younger Dryas period of global cooling commencing around 10,900 BC. The name short-faced bear derives from the shape of

title: National Cannabis Industry Association

text: In 2016 NCIA launched NCIA's Cannabis Industry Voice, a podcast covering the ever-changing legal and business landscape of cannabis in the United States. As of January 2018, the National Cannabis Industry Association has more than 1,500 member businesses. Colorado based insurance broker JB Woods of Greenpoint Insurance Advisors, LLC was one of the original founding members of the National Cannabis Industry Association. Woods' company contributed financial and other resources to help launch the association. Greenpoint Insurance Advisors, LLC was one of the few insurance agencies to specialize in cannabis insurance at the time. In a "Huffington Post" interview, Mark Kleiman,

title: Insurance Information Institute

text: Insurance Information Institute The Insurance Information Institute ("I.I.I.") is a U.S. industry association which exists "to improve public understanding of insurance – what it does and how it works." Founded in 1959, the organization is based in New York City. Since 1989 the I.I.I. has held 501(c)(6) tax-exempt status (defined as business leagues, chambers of commerce, boards of trade, and the like). The I.I.I. web site provides information for consumers, the media, researchers and the general public on a wide range of topics, including automobile insurance, homeowner's insurance, life insurance, annuities, health insurance, long-term care insurance and disability insurance. The

title: What Ever Happened to...

text: Rinehart & Company. The novel has earned a cult following. Being set during the 1990s as opposed to the 1960s in the original story, the film takes a modern overtone including Baby Jane being a film actress instead of a vaudevillian, and Blanche's use of the stairlift and cassette tape. Characters Elvira Stitt the cleaning lady and Edwin Flagg are replaced with Dominick the physical therapist and Billy Korn. The film also features scenes depicting the 1990s downtown district of Hollywood. What Ever Happened to... What Ever Happened to... is a 1991 American made-for-television thriller film directed by David Greene

title: The Tay Bridge Disaster

text: by far the most famous ever written by McGonagall, and is still widely quoted. It begins: And it ends: William McGonagall wrote two other poems about the Tay bridges. The first one, written before the disaster about the first bridge, begins as follows: The Railway Bridge of the Silvery Tay: And it ends: After the original bridge collapsed, a new one was built, providing the opportunity for another poem, which begins: An Address to the New Tay Bridge The Tay Bridge Disaster "The Tay Bridge Disaster" is a poem written in 1880 by the Scottish poet William McGonagall, who has

title: The General (insurance)

text: The General (insurance) The General Automobile Insurance Services, Inc. (or simply The General) is a licensed insurance agency that is a subsidiary of PGC Holdings Corp. (PGC), that focuses on auto insurance. In 2012, the company was acquired by American Family Insurance; The General brand still remains as a separate brand. The General specializes in insuring drivers who are considered "high risk," whose car insurance premiums are typically more expensive. The General began selling insurance in 1963, under the company name Permanent General Agency. Later, the name was changed to Permanent General Assurance Corporation (PGAC), and in 2012, it was

title: The General (insurance)

title: Has Anyone Ever Written Anything for You?

text: Has Anyone Ever Written Anything for You? "Has Anyone Ever Written Anything for You?" is a song written by Stevie Nicks and Keith Olsen off the 1985 album "Rock a Little". It was also released as a single in 1986, peaking at #60 for two weeks on the "Billboard" Hot 100. During "VH1 Storytellers", Nicks explained that "Has Anyone Ever Written Anything for You?" was written about the death of Joe Walsh's eldest daughter, Emma Kristen, and his subsequent penning of "Song for Emma" from the album "So What". "Has Anyone Ever Written Anything for You?" appears on the 1991

title: Short-faced bear

text: authors also suggest that the giant short-faced bear and the cave bear were omnivores, like most modern bears, and the former may have eaten plants depending on availability. Short-faced bear The short-faced bears ("Arctodus" spp.) is an extinct bear genus that inhabited North America during the Pleistocene epoch from about 1.8 Mya until 11,000 years ago. It was the most common early North American bear and was most abundant in California. There are two recognized species: "Arctodus pristinus" and "Arctodus simus", with the latter considered to be one of the largest known terrestrial mammalian carnivores that has ever existed. It

title: What Ever Happened to...

text: What Ever Happened to... What Ever Happened to... is a 1991 American made-for-television thriller film directed by David Greene and adapted for the small screen by Brian Taggert, based on the novel "What Ever Happened to Baby Jane?" by Henry Farrell and the 1962 theatrical film of the same name. It stars real-life sisters Lynn Redgrave as Baby Jane Hudson and Vanessa Redgrave as Blanche Hudson, in the roles previously played by Bette Davis and Joan Crawford in the 1962 adaptation. The film was adapted to contemporary times, with Blanche's film success taking place in the 1960s instead of the

title: What Is the What

text: What Is the What What Is the What: The Autobiography of Valentino Achak Deng is a 2006 novel written by Dave Eggers. It is based on the life of Valentino Achak Deng, a Sudanese child refugee who immigrated to the United States under the Lost Boys of Sudan program. It was a finalist for the National Book Award. As a boy, Achak is separated from his family during the Second Sudanese Civil War when the Arab militia, referred to as "murahaleen" (which is Arabic for the deported), wipes out his Dinka village, Marial Bai. During the assault, he loses sight

title: What Is the What

text: That Happens Will Happen Today". Tom Tykwer plans to adapt the novel into a film. In 2009, the novel received the Prix Médicis étranger in France. What Is the What What Is the What: The Autobiography of Valentino Achak Deng is a 2006 novel written by Dave Eggers. It is based on the life of Valentino Achak Deng, a Sudanese child refugee who immigrated to the United States under the Lost Boys of Sudan program. It was a finalist for the National Book Award. As a boy, Achak is separated from his family during the Second Sudanese Civil War when

title: Come What(ever) May

text: from a promising talent". "Come What(ever) May" sold over 80,000 copies in its first week and entered the "Billboard" 200 chart in the United Statesat at #4, and went on to be certified gold in the UK, Canada and the United States. In 2007, the single "30/30-150" was nominated for Best Metal Performance at the 49th Grammy Awards. All lyrics written by Corey Taylor and composed by Stone Sour (Except "Wicked Game"). Stone Sour Guest musicians Technical personnel Art personnel Bonus DVD credits Come What(ever) May Come What(ever) May is the second studio album by American Rock band Stone Sour.

title: The Disaster Artist

text: Monty Python thrown into the mix". On February 11, 2015, "The Disaster Artist" (Audiobook) was nominated for Best Humor Audiobook at the Audie Awards, and was narrated by author Greg Sestero. The awards ceremony was held May 28, 2015 in New York City. On January 23, 2018 "The Disaster Artist" was nominated for Best Adapted Screenplay at the 90th Oscars. The Disaster Artist The Disaster Artist: My Life Inside The Room, the Greatest Bad Movie Ever Made is a 2013 non-fiction book written by Greg Sestero and Tom Bissell. Sestero details the troubled development and production of the 2003 cult

title: The Disaster Artist

text: and Publishers Weekly. "The Disaster Artist" audiobook was named a finalist for the 2015 Audie Awards for Best Humor Audiobook. In March 2014, "The Disaster Artist" (Audiobook) won for "Favorite Non-Fiction Book of 2013" at Bookish. On November 23, 2014, "The Disaster Artist" won for Best Non-Fiction at the National Arts & Entertainment Journalism Awards ceremony in Los Angeles. The judges praised the book, stating ""The Disaster Artist" is not only a hell of a good read, it will make a great film if ever adapted. It's equal parts "Ed Wood", "American Hustle" and demented "Citizen Kane"—with a dash of

title: Disaster recovery and business continuity auditing

text: to continue critical functions and business processes after the occurrence of a disaster, where as Disaster Recovery refers specifically to the Information Technology (IT) and data-centric functions of the business, and is a subset of Business Continuity. Given ever-changing business objectives, one common need in disaster recovery is to perform an audit of the disaster recovery capacity of an organization. The purpose of such audit is to discover how closely an organization's disaster recovery readiness aligns to actual organizational objectives. When conducting an audit of a disaster recovery plan, factors such as alternate site designation, training of personnel, and insurance

title: Insurance in the United States

text: and even multi-national insurance conglomerates and holding companies. Historically, the insurance industry in the United States was regulated almost exclusively by the individual state governments. The first state commissioner of insurance was appointed in New Hampshire in 1851 and the state-based insurance regulatory system grew as quickly as the insurance industry itself. Prior to this period, insurance was primarily regulated by corporate charter, state statutory law and de facto regulation by the courts in judicial decisions. Under the state-based insurance regulation system, each state operates independently to regulate their own insurance markets, typically through a state department of insurance or

title: Tōhoku region

text: Japan. The catastrophic 9.0-Magnitude earthquake and tsunami on March 11, 2011, inflicted massive damage along the east coast of this region, killed 15,894 people and was the costliest natural disaster ever which left 500,000 people homeless along with radioactive fallout from the Fukushima Daiichi nuclear disaster. Masamune, feudal lord of Date clan, expanded trade in the Tōhoku region. Although initially faced with attacks by hostile clans, he managed to overcome them after a few defeats and eventually ruled one of the largest fiefdoms of the later Tokugawa shogunate. He built many palaces and worked on many projects to beautify the

title: Fukushima Daiichi nuclear disaster

text: to reinsurer Munich Re, the private insurance industry will not be significantly affected by the disaster. Swiss Re similarly stated, "Coverage for nuclear facilities in Japan excludes earthquake shock, fire following earthquake and tsunami, for both physical damage and liability. Swiss Re believes that the incident at the Fukushima nuclear power plant is unlikely to result in a significant direct loss for the property & casualty insurance industry." The amount of compensation to be paid by TEPCO is expected to reach 7 trillion yen. Costs to Japanese taxpayers are likely to exceed 12 trillion yen ($100 billion). In December 2016

title: What Ever Happened to Aunt Alice?

text: delivers a bravura performance. Gordon, working crisply, offers a remarkable portrait of a brave woman. The two ladies play off each other relentlessly and audience reaps the rewards." Donald Guarisco of AllMovie wrote: "This Robert Aldrich production is a second-tier version of the thrills he pioneered in his self-directed film "What Ever Happened to Baby Jane?" The problem is simple: "What Ever Happened to Aunt Alice?" has the stars right, but the material is underdeveloped. The script has an engaging premise that would be a perfect vehicle for all sorts of creepy thrills, but the story never capitalizes on the

title: Insurance in Australia

text: industry bodies are: Insurance in Australia Australia's insurance market can be divided into roughly three components: life insurance, general insurance and health insurance. These markets are fairly distinct, with most larger insurers focusing on only one type, although in recent times several of these companies have broadened their scope into more general financial services, and have faced competition from banks and subsidiaries of foreign financial conglomerates. With services such as disability insurance, income protection and even funeral insurance, these insurance giants are stepping in to fill the gap where people may have otherwise been in need of a personal or

title: Business interruption insurance

text: Business interruption insurance Business interruption insurance (also known as business income insurance) is a type of insurance that covers the loss of income that a business suffers after a disaster. The income loss covered may be due to disaster-related closing of the business facility or due to the rebuilding process after a disaster. It differs from property insurance in that a property insurance policy only covers the physical damage to the business, while the additional coverage allotted by the business interruption policy covers the profits that would have been earned. This extra policy provision is applicable to all types of

title: Health insurance coverage in the United States

text: and reject those with serious conditions such as arthritis, cancer, and heart disease, but also such common ailments as acne, being 20 pounds over or under weight, and old sports injuries. In 2008, an estimated 5 million of those without health insurance were considered "uninsurable" because of pre-existing conditions. Proponents of medical underwriting argue that it ensures that individual health insurance premiums are kept as low as possible. Critics of medical underwriting believe that it unfairly prevents people with relatively minor and treatable pre-existing conditions from obtaining health insurance. One large industry survey found that 13% of applicants for individual

title: Insurance in the United States

text: the claim data in an industry database (the two major ones are CLUE and A-PLUS), with Claim Loss Underwriting Exchange (CLUE) by Choicepoint receiving data from 98% of U.S. insurers. Various associations, government agencies, and companies serve the insurance industry in the United States. The National Association of Insurance Commissioners provides models for standard state insurance law, and provides services for its members, which are the state insurance departments or divisions. Many insurance providers use the Insurance Services Office, which produces standard policy forms and rating loss costs and then submits these documents on the behalf of member insurers to

title: The Holocaust Industry

text: sides was exterminated by the Nazis". Nonetheless, during his childhood, no one ever asked any questions about what his mother and father had suffered. He suggests, "This was not a respectful silence. It was indifference." It was only after the establishment of "the Holocaust industry", he suggests, that outpourings of anguish over the plight of the Jews in World War II began. This ideology in turn served to endow Israel with a status as "'victim' state" despite its "horrendous" human rights record. According to Finkelstein, his book is "an anatomy and an indictment of the Holocaust industry". He argues that

title: What Love Has...Joined Together (album)

text: sellers charging well in excess of $200.00 for the CD version of this album . As of 2017 it is unknown whether Motown will ever re-release it on CD. However, in 2013, Motown released this album, exclusively as a digital download, available on Amazon, iTunes, and several other websites. What Love Has...Joined Together (album) "Note: For the song, see "What Love Has Joined Together"" What Love Has...Joined Together is a 1970 album by R&B group The Miracles AKA "Smokey Robinson & The Miracles" on Motown Records' Tamla label (TS301). A concept album consisting solely of six extended-length love songs, it

title: 2016 Vietnam marine life disaster

text: for this environment pollution that led to marine life disaster." Nguyễn Xuân Phúc, the Prime Minister of Vietnam, claimed that the massive marine life destruction was “the most serious environmental disaster Vietnam has ever faced”. By 29 April, approximately of fish carcasses had been washed up to the shores of four central provinces of Vietnam from Hà Tĩnh to Thừa Thiên–Huế. On 6 May, the amount of collected fish carcasses surpassed . The disaster disrupted the livelihood of fishermen in four provinces in the central coast of Vietnam. On 4 May 2016, Vietnamese government had announced a ban of processing

title: All India Disaster Mitigation Institute

text: non-life disaster insurance product for disaster victims; through public insurance companies in 2004, supported by the ProVention Consortium. Since the first pilot in Gujarat, AIDMI has pioneered a series of action-learning pilots on disaster micro-insurance across India. The Afat Vimo (disaster insurance) scheme covering 19 types of disasters was first piloted in Gujarat in 2004 and was later extended to 2004 Indian Ocean tsunami victims in Tamil Nadu, and 2005 earthquake victims in Jammu and Kashmir. In 2011, the pilot scheme was extended to the floods and cyclone victims in Odisha; through Society for Women Action Development (SWAD) with support

title: Come What(ever) May

text: heavy" while others are "soaring and triumphant" with the production of Raskulinecz helping to balance the album's heaviness with its radio-accessibility. "Come What(ever) May"s lyrics include themes of "pain, pleasure, happiness, and grief". The diversity in subjects is evident throughout the album; songs including "Come What(ever) May" were politically influenced while the track "Socio" is about "social anxiety attacks" that Taylor suffered. "Zzyzx Rd" is a love song written to Taylor's wife for helping him in his struggles against alcoholism and contemplation of suicide. "I've never written anything like that before, but it was very important for me to tell

title: Universal life insurance

text: to either: Many universal life contracts taken out in the high interest periods of the 1970s and 1980s faced this situation and lapsed when the premiums paid were not enough to cover the cost of insurance. Flexible Premium UL allows the policyholder to vary their premiums within certain limits. Inherently UL policies are flexible premium, but each variation in payment has a long-term effect that must be considered. To remain active, the policy must have sufficient available cash value to pay for the cost of insurance. Higher than expected payments could be required if the policyholder has skipped payments or

title: Insurance Information Institute

text: a faculty member in the University of South Carolina’s Darla Moore School of Business, and director of the school's Risk and Uncertainty Management Center. Insurance Information Institute The Insurance Information Institute ("I.I.I.") is a U.S. industry association which exists "to improve public understanding of insurance – what it does and how it works." Founded in 1959, the organization is based in New York City. Since 1989 the I.I.I. has held 501(c)(6) tax-exempt status (defined as business leagues, chambers of commerce, boards of trade, and the like). The I.I.I. web site provides information for consumers, the media, researchers and the general

title: Insurance in the United States

text: division of insurance. Stretching back as far as the "Paul v. Virginia" case in 1869, challenges to the state-based insurance regulatory system have risen from various groups, both within and without the insurance industry. The state regulatory system has been described as cumbersome, redundant, confusing and costly. The United States Supreme Court found in the 1944 case of "United States v. South-Eastern Underwriters Association" that the business of insurance was subject to federal regulation under the Commerce Clause of the U.S. Constitution. The United States Congress, however, responded almost immediately with the McCarran-Ferguson Act in 1945. The McCarran-Ferguson Act specifically

title: Health insurance costs in the United States

text: Health insurance costs in the United States Health insurance costs in the United States are a major factor in access to health coverage. The rising cost of health insurance leads more consumers to go without coverage and increase in insurance cost and accompanying rise in the cost of health care expenses has led health insurers to provide more policies with higher deductibles and other limitations that require the consumer to pay a greater share of the cost themselves. According to Senator Dianne Feinstein, the United States is the "only industrialized nation that relies heavily on a for-profit medical insurance industry

title: Insurance

text: governing every aspect of the insurance business, including minimum standards for policies and the ways in which they may be advertised and sold. For example, most insurance policies in the English language today have been carefully drafted in plain English; the industry learned the hard way that many courts will not enforce policies against insureds when the judges themselves cannot understand what the policies are saying. Typically, courts construe ambiguities in insurance policies against the insurance company and in favor of coverage under the policy. Many institutional insurance purchasers buy insurance through an insurance broker. While on the surface it

title: The Ascent of Money

text: the 2001 Enron bankruptcy. He shows why humans have a herd instinct when it comes to investment, and why no one can accurately predict when the bulls might stampede. Life is a risky business – which is why people take out insurance. But faced with an unexpected disaster, the state has to step in. Professor Ferguson travels to post-Katrina New Orleans to ask why the free market can't provide some of the adequate protection against catastrophe. His quest for an answer takes him to the origins of modern insurance in the early 19th century and to the birth of the

title: Come What(ever) May

text: Come What(ever) May Come What(ever) May is the second studio album by American Rock band Stone Sour. It was recorded and produced by the band and Nick Raskulinecz at Studio 606 in Los Angeles, California, and was released on August 1, 2006, by Roadrunner Records. Writing for the album began as early as 2003 when vocalist Corey Taylor and guitarist James Root were writing material for their other band, Slipknot. In January 2006, Stone Sour began recording their second album, during which time drummer Joel Ekman left the band because of family constraints. He was eventually replaced by ex-Soulfly drummer

title: Insurance in the United States

text: in the last decade. In 1979 and the early 1980s the Federal Trade Commission attempted to regulate the insurance industry, but the Senate Commerce Committee voted unanimously to prohibit the FTC's efforts. President Jimmy Carter attempted to create an "Office of Insurance Analysis" in the Treasury Department, but the idea was abandoned under industry pressure. Over the past two decades, renewed calls for optional federal regulation of insurance companies have sounded, including the Gramm-Leach-Bliley Act in 1999, the proposed National Insurance Act in 2006 and the Patient Protection and Affordable Care Act ("Obamacare") in 2010. In 2010, Congress passed the

title: What Is the What

text: writes: "Over the course of many years, Dave and I have collaborated to tell my story... I told [him] what I knew and what I could remember, and from that material he created this work of art." The book is typical of Eggers' style: blending non-fictional and fictional elements into a non-fiction novel or memoir. By classifying the book a novel, Eggers says, he freed himself to re-create conversations, streamline complex relationships, add relevant detail and manipulate time and space in helpful ways—all while maintaining the essential truthfulness of the storytelling. However, not all critics were impressed. Lee Siegel sees

title: What Ever Happened to Baby Jane? (novel)

text: What Ever Happened to Baby Jane? (novel) What Ever Happened to Baby Jane? is an American suspense novel by Henry Farrell published in 1960 by Rinehart & Company. The novel has earned a cult following, and has been adapted for the screen twice - in 1962 and 1991. This gothic story deals with two aging sisters, Jane and Blanche Hudson, who are living alone together in a decaying Hollywood mansion. A former child star of early vaudeville known as "Baby Jane", Jane was spoiled, pampered, and doted upon by her father due to her success on the stage; her ignored

text: though her films were unavailable, leading to her jealousy. What Ever Happened to Baby Jane? (novel) What Ever Happened to Baby Jane? is an American suspense novel by Henry Farrell published in 1960 by Rinehart & Company. The novel has earned a cult following, and has been adapted for the screen twice - in 1962 and 1991. This gothic story deals with two aging sisters, Jane and Blanche Hudson, who are living alone together in a decaying Hollywood mansion. A former child star of early vaudeville known as "Baby Jane", Jane was spoiled, pampered, and doted upon by her father

title: Insurance in the United States

text: Contributionship, which is the nation's oldest insurance carrier still in operation. Franklin's company was the first to make contributions toward fire prevention. Not only did his company warn against certain fire hazards, it refused to insure certain buildings where the risk of fire was too great, such as all wooden houses. The first stock insurance company formed in the United States was the Insurance Company of North America in 1792. Massachusetts enacted the first state law requiring insurance companies to maintain adequate reserves in 1837. Formal regulation of the insurance industry began in earnest when the first state commissioner of

title: The World Is What It Is

text: in 1996. The biography has been extensively reviewed: the reviewers include Paul Theroux, who wrote an earlier book about Naipaul. The biography was selected by the editors of the "New York Times Book Review" as one of the "Times"' "10 Best Books of 2008". It won the 2008 National Book Critics Circle Award in Biography, and the British literary award the Hawthornden Prize. The World Is What It Is The World Is What It Is: The Authorized Biography of V. S. Naipaul is a biography of the Nobel Prize-winning author V. S. Naipaul by Patrick French. It was published in

title: What Ever Happened to Baby Toto?

text: What Ever Happened to Baby Toto? What Ever Happened to Baby Toto? () is a 1964 Italian black comedy film written and directed by Ottavio Alessi. It is a parody of Robert Aldrich's "What Ever Happened to Baby Jane?". A pair of brothers, Baby Toto and Pietro, sons of different mothers, live stealing suitcases at the Termini Station in Rome. After a theft they discover that the stolen suitcase they got from an apparent sweet old lady actually contains a corpse. In an attempt to discard the suitcase they mistakenly exchange it with the one of two German hitchhikers, Helga

title: What About the Love

text: widely considered one of the greatest and most successful Christian albums ever recorded and was named the greatest of all time by CCM Magazine. "What About the Love" was a big success on Christian radio, becoming a No. 1 hit on the Christian music charts in the United States. However, it did not place on any of the major mainstream pop or Adult Contemporary charts. What About the Love "What About the Love" is a song written by Kye Fleming & Janis Ian and released as a 1988 single by Christian music singer Amy Grant. It was released as the

title: The Disaster Artist

text: The Disaster Artist The Disaster Artist: My Life Inside The Room, the Greatest Bad Movie Ever Made is a 2013 non-fiction book written by Greg Sestero and Tom Bissell. Sestero details the troubled development and production of the 2003 cult film "The Room," his own struggles as a young actor, and his relationship with "Room" director Tommy Wiseau. In December 2017, a film adaptation of the same name was released, directed and produced by and starring James Franco as Wiseau, with his brother and co-producer Dave Franco in the role of Sestero. Sestero, an aspiring actor struggling with confidence, first

title: Insurance industry in China

text: became the second largest insurance company in the world in terms of market capitalization although the value has kept declining since the stock market peak of 2008.) As of 2007, China had 100 insurance companies, 59 of which are domestic-funded and the rest 41 are foreign-funded. And five Chinese insurance companies including the People's Insurance Company of China, China Life Insurance, Ping An Insurance Company of China, China Insurance International Holdings Co., Ltd. (CIIH) and China Pacific Insurance have listed at home and abroad. China Life Insurance had about a 50% share of the life insurance market; Ping An Life

title: Food insurance

text: Food insurance Food Insurance, or FoodInsurance.com, is a company based in Kaysville, Utah, that sells emergency food supply products online. The company was founded in 2009 by Justen Ericksen and Jason Lindsey. The current CEO is Mark Hyland. The U.S. Federal Emergency Management Agency (FEMA) recommends that everyone have an emergency plan and disaster kit. Food Insurance was initially started following Hurricane Katrina and other global disasters.Originally, Food Insurance only offered emergency kits to help people follow FEMA's guidelines. It has since expanded its product offering to include long-term emergency food supplies and non-food emergency supplies. Since its founding, Food

title: Radiation effects from the Fukushima Daiichi nuclear disaster

text: of marine life that is fished in the coastal waters off Fukushima. Despite caesium isotopic concentration in the waters off of Japan being 10 to 1000 times above concentration prior to the accident, radiation risks are below what is generally considered harmful to marine animals and human consumers. A year after the disaster, in April 2012, sea fish caught near the Fukushima power plant still contain as much radioactive Cs and Cs compared to fish caught in the days after the disaster. At the end of October 2012 TEPCO admitted that it could not exclude radioactivity releases into the ocean,

title: Deaths due to the Chernobyl disaster

text: 800 roentgens, twice the normal 50% probability of death dose. The following list is of those directly killed by the explosion and initial radioactivity release, or in the support efforts that followed. Deaths due to the Chernobyl disaster The Chernobyl disaster (, "Chornobylʹsʹka katastrofa", "Chernobyl accident") was considered as one of the worst nuclear disasters in history. It occurred on 26 April 1986 at the Chernobyl Nuclear Power Plant in the Ukrainian Soviet Socialist Republic, then part of the Soviet Union, now in Ukraine. The scientific consensus on the effects of the disaster has been developed by the United Nations

text: slightly from 2006 to 2007, from 15.3 to 14.8 million, a decrease of 2 percentage points (34.1% to 32.1%). The state with the highest percentage of uninsured was Texas (24.1% average for three years, 2004–2006). New Mexico has the second highest percentage of residents without health insurance at 22%. It has been estimated that nearly one-fifth of the uninsured population is able to afford insurance, almost one quarter is eligible for public coverage, and the remaining 56% need financial assistance (8.9% of all Americans). An estimated 5 million of those without health insurance are considered "uninsurable" because of pre-existing conditions.

title: Health insurance in the United States

text: a rapid pace as well. While the term "health insurance" is most commonly used by the public to describe coverage for medical expenses, the insurance industry uses the term more broadly to include other related forms of coverage, such as disability income and long-term care insurance. Disability income (DI) insurance pays benefits to individuals who become unable to work because of injury or illness. DI insurance replaces income lost while the policyholder is unable to work during a period of disability (in contrast to medical expense insurance, which pays for the cost of medical care). For most working age adults,

title: Citizens Property Insurance Corporation

text: 1992 was the costliest storm the United States had experienced, with $26.5 billion in damage. It took a huge bite out of the reserves for claims held by 30 insurance companies doing business in Florida. Eleven insurance companies were bankrupted, while others stopped writing or renewing property insurance policies in the state. Those that remained raised premiums and deductibles across the board and limited the number of high-risk policies they wrote. Almost 1 million coastal homeowners were unable to find any company willing to insure their homes, so the Florida Legislature authorized the formation of the Florida Residential Property and

title: I Don't Know What It Is

text: Marius de Vries admitted that "I Don't Know What It Is" was one of the most complex production challenges he had ever faced, with its hundreds of layers of separate orchestral, choral, and vocal parts. Between "running around" and "chugging along" "on a train going God knows where to" in a sort of aimless wander, transportation is a major theme of the song. Wainwright alludes to several locations, from precise ones such as Calais, Dover, Poland and Lower Manhattan to more abstract locales like Heaven, Hell, and Limbo. Wainwright said the following of the song: References are also made to

title: Nothing Has Ever Happened Here

text: Has Ever Happened Here is a devastating documentary showing the havoc that the war wreaks on people.. Nothing Has Ever Happened Here Nothing Has Ever Happened Here () is a 2014 Iranian documentary film written and directed by Ayat Najafi. In October 2012 Ayat Najafi, an Iranian documentary filmmaker, goes back to Teheran, his hometown, to make a film about living in the world ravaged by war. The film is based on the testimonies of those who survived and now share their painful memories with the director. The characters are people with opposite stands on the military conflict. Some became

title: Insurance in the United States

text: (NAIC) adopted several model reforms for state insurance regulation, including risk-based capital requirements, financial regulation accreditation standards and an initiative to codify accounting principles. As more and more states enacted versions of these model reforms into law, the pressure for federal reform of insurance regulation waned. However, there are still significant differences between states in their systems of insurance regulation, and the cost of compliance with those systems is ultimately borne by insureds in the form of higher premiums. McKinsey & Company estimated in 2009 that the U.S. insurance industry incurs about $13 billion annually in unnecessary regulatory costs under

title: Deaths due to the Chernobyl disaster

text: Deaths due to the Chernobyl disaster The Chernobyl disaster (, "Chornobylʹsʹka katastrofa", "Chernobyl accident") was considered as one of the worst nuclear disasters in history. It occurred on 26 April 1986 at the Chernobyl Nuclear Power Plant in the Ukrainian Soviet Socialist Republic, then part of the Soviet Union, now in Ukraine. The scientific consensus on the effects of the disaster has been developed by the United Nations Scientific Committee on the Effects of Atomic Radiation (UNSCEAR). In peer-reviewed publications UNSCEAR has identified 49 immediate deaths from trauma, acute radiation poisoning, a helicopter crash, and from an original group of

title: Insurance patent

text: jury found the patent valid and infringed. The court ordered Transamerica to pay Lincoln $13 million in damages. At a rate of 11 basis points of assets under management, this was considered a reasonable royalty. In June 2010, however, the verdict against Transamerica was overturned on appeal In June 2010, Progressive Auto Insurance filed a patent infringement lawsuit against Liberty Mutual over one of Progressive’s Pay As You Drive auto insurance patents. Some in the insurance industry see the growth in insurance patents as a positive development. They cite that by being able to protect inventions, insurance companies will be

title: Ohio Mutual Insurance Group

text: million in premiums each year. Its products are sold through nearly 400 independent insurance agent partners in seven states: Connecticut, Indiana, Maine, New Hampshire, Ohio, Rhode Island and Vermont. Ohio Mutual Insurance Group is a member of the National Insurance Crime Bureau, a non-profit membership organization created by the insurance industry to address insurance-related crime. Ohio Mutual Insurance Group was founded in 1901 as the Ohio Mutual Tornado, Cyclone and Windstorm Company, offering insurance to farmers. It was incorporated in Columbus, Ohio and its first office was established in Bucyrus above what is now the FC Bank on Washington Square.

title: What Ever Happened to Aunt Alice?

text: old at the time during the film's production and release. Filming for "What Ever Happened to Aunt Alice?" began on October 23, 1968 on location in Tucson, Arizona, with additional photography taking place at Aldrich Studios in Los Angeles, California. Principal photographer was completed on January 5, 1969. Robert Fuller, who had a support role, had been signed to a three-picture contract with the Associates and Aldrich. In November it was announced that Bernard Girard, who was directing the film, "has withdrawn due to differences in interpretation" and would be replaced by Lee Katzin. "What Ever Happened to Aunt Alice?"

title: Insurance regulatory law

text: concern to the public as a whole that it is subject to governmental regulation to protect the public’s interests. Therefore, the fundamental purpose of insurance regulatory law is to protect the public as insurance consumers and policyholders. Functionally, this involves: Historically, the insurance industry has been regulated almost exclusively by the individual state governments. The first state commissioner of insurance was appointed in New Hampshire in 1851 and the state-based insurance regulatory system grew as quickly as the insurance industry itself. Prior to this period, insurance was primarily regulated by corporate charter, state statutory law and "de facto" regulation by

title: 1997 Israeli helicopter disaster

text: 1997 Israeli helicopter disaster The 1997 Israeli helicopter disaster : "Ason HaMasokim", lit. "Disaster of the Helicopters") occurred on 4 February 1997, when two Israeli Air Force transport helicopters ferrying Israeli soldiers into Israel's "security zone" in southern Lebanon collided in mid-air, killing all 73 Israeli military personnel on board. The crash brought about widespread national mourning, and is considered a leading factor in Israel's decision to withdraw from southern Lebanon in 2000. Following the 1982 Lebanon War, Israel had withdrawn to a "security zone" in southern Lebanon, where it faced an insurgency by Hezbollah and other Lebanese groups. Israel

title: Health insurance

text: 1866, but the industry consolidated rapidly soon thereafter. While there were earlier experiments, the origins of sickness coverage in the U.S. effectively date from 1890. The first employer-sponsored group disability policy was issued in 1911. Before the development of medical expense insurance, patients were expected to pay health care costs out of their own pockets, under what is known as the fee-for-service business model. During the middle-to-late 20th century, traditional disability insurance evolved into modern health insurance programs. One major obstacle to this development was that early forms of comprehensive health insurance were enjoined by courts for violating the traditional

title: Liability insurance

text: otherwise; this default rule is useful because defence costs tend to soar when cases go to trial. In many cases, the defense portion of the policy is actually more valuable than the insurance, as in complicated cases, the cost of defending the case might be more than the amount being claimed, especially in so-called "nuisance" cases where the insured must be defended even though no liability is ever brought to trial. Commercial liability is an important segment for the insurance industry. With premium income of USD 160 billion in 2013, it accounted for 10% of global non-life premiums of USD

title: Office of Insurance Commission

text: industry also suffered in places from being sub-scale and thus inefficient, posing a threat to the industry's international competitiveness, particularly as competition may increase following the relaxation of trade and commerce restrictions among members of ASEAN, commencing in 2015. The Plan recommended in addition to consolidation that the industry seek the more active involvement of multinational insurance groups able to provide the necessary capital as well as expertise to ensure the Thai insurance industry remains internationally benchmarked. Office of Insurance Commission The Office of Insurance Commission (OIC) (; ) is the regulator of Thailand’s insurance industry has been regulated by

title: Insurance

text: and to prefer to insure relatively high-probability, small losses over low-probability, perhaps due to not understanding or ignoring the low-probability risk. This is associated with reduced purchasing of insurance against low-probability losses, and may result in increased inefficiencies from moral hazard. Redlining is the practice of denying insurance coverage in specific geographic areas, supposedly because of a high likelihood of loss, while the alleged motivation is unlawful discrimination. Racial profiling or redlining has a long history in the property insurance industry in the United States. From a review of industry underwriting and marketing materials, court documents, and research by government

title: What Ever Happened to...

text: for never telling Jane the truth, and they are momentarily happy together. The police arrive to find Blanche unconscious and near death. As they radio for help for Blanche, Jane realizes what is happening and walks into the sea, seemingly to kill herself, but is dragged out by a police officer. At first she resists, but then she wraps her arms around him and calls him "Papa". The last shot is of Jane's smiling face as she goes willingly with the police. "What Ever Happened to Baby Jane?" is an American suspense novel by Henry Farrell published in 1960 by

title: The Ram has Touched the Wall

text: both thumbs and being beaten severely, Evander admits that he and Niobe had become lovers after Vorenus was mistakenly pronounced dead in Gaul, and that Niobe's "grandson" is in fact her son by him. Outraged, Pullo kills Evander and dumps his body into the sewer. Octavian warns him that Vorenus can never learn what has happened. Vorenus reports for duty as Erastes's "bodyguard," but quits as soon as he sees what is expected of him: torturing, and then killing, a business client of Fulmen's who considered himself cheated in a recent deal. Despite his political opposition to Caesar, Vorenus has

title: Insurance in the United States

text: difficult-to-insure risks, to prevent them from undermining each state's ability to regulate its insurance market. Although experienced insurance brokers are well aware of what risks an admitted insurer will not accept, they "must" document a "diligent effort" at actually shopping around a risk to several admitted insurers (typically three, who will promptly reject it) before applying for coverage with a surplus line insurer. To relieve insurers and brokers of that tedious and time-consuming chore, many states now maintain "export lists" of risks that the state insurance commissioner has already identified as having no coverage available whatsoever from any admitted insurer

title: Insurance

text: agencies, industry and community groups, and academics, it is clear that race has long affected and continues to affect the policies and practices of the insurance industry. In July 2007, The Federal Trade Commission (FTC) released a report presenting the results of a study concerning credit-based insurance scores in automobile insurance. The study found that these scores are effective predictors of risk. It also showed that African-Americans and Hispanics are substantially overrepresented in the lowest credit scores, and substantially underrepresented in the highest, while Caucasians and Asians are more evenly spread across the scores. The credit scores were also found

title: General insurance

text: shops, restaurants and hotels. Personal lines products are designed to be sold in large quantities. This would include autos (private car), homeowners (household), pet insurance, creditor insurance and others. ACORD, which is the insurance industry global standards organization, has standards for personal and commercial lines and has been working with the Australian General Insurers to develop those XML standards, standard applications for insurance, and certificates of currency. General insurance can be categorised in to following: The United States was the largest market for non-life insurance premiums written in 2005 followed by the European Union and Japan. General insurance General insurance

title: 2000s in the music industry

text: consumers to find and purchase older titles in stores.” On 19 December 2008, the "Wall Street Journal" reported the following: After years of suing thousands of people for allegedly stealing music via the Internet, the recording industry is set to drop its legal assault as it searches for more effective ways to combat online music piracy. The decision represents an abrupt shift of strategy for the industry, which has opened legal proceedings against about 35,000 people since 2003. Critics say the legal offensive ultimately did little to stem the tide of illegally downloaded music. And it created a public-relations disaster

title: Parametric insurance

text: Parametric insurance Parametric insurance is a type of insurance that does not indemnify the pure loss, but "ex ante" agrees to make a payment upon the occurrence of a triggering event. The triggering event is often a catastrophic natural event which may ordinarily precipitate a loss or a series of losses. But parametric insurance principles are also applied to Agricultural crop insurance and other normal risks not of the nature of disaster, if the outcome of the risk is correlated to a parameter or an index of parameters. Parametric insurance may reduce transaction costs involved in writing and administering insurance

title: Business interruption insurance

text: end of the business interruption period determined by the insurance policy. Most insurance policies define this period as starting on the date of the covered peril and the damaged property is physically repaired and returned to operations under the same condition that existed prior to the disaster. In addition, businesses can purchase contingent business interruption coverage, which pays out when a business is unable to operate because of an event (such as a natural disaster) that damages the business premises of one of its suppliers or customers, thus preventing it from engaging in normal trade. Business interruption insurance Business interruption

title: The Wettest Stories Ever Told

text: The Wettest Stories Ever Told "The Wettest Stories Ever Told" is the eighteenth episode of "The Simpsons"’ seventeenth season. It originally aired on the Fox network in the United States on April 23, 2006. When the Simpsons' plans for a nice family outing at the Frying Dutchman turn into a dining disaster (due to an uncooperative octopus armed with knives), the family tries to salvage the night by telling three nautically themed stories. Bart, Lisa and a widowed Marge board the "Mayflower" to head for the new world. Homer, fleeing from the police, boards the ship and hides in a

title: The Invisible Bankers

text: The Invisible Bankers Invisible Bankers: Everything the Insurance Industry Never Wanted You to Know is a 1982 book on the insurance industry. It was written by the financial journalist Andrew Tobias who became famous for his earlier book "The Only Investment Guide You'll Ever Need". It covers the financial details of life, auto, health and fire insurance—the types consumers normally buy. Because insurers are frequently the victims of insurance fraud, insurance companies need to be on their guard. In addition, an unscrupulous insurer could, in theory, make more profits if it could either induce their insureds into settling for less

title: Cyclone Nargis

text: taken 87,476 lives, and caused US$150 billion in damage, making it the costliest disaster in Chinese history and third-costliest disaster ever known. Furthermore, some donated aid items were found to be available in the country's black market, and Myanmar's junta warned on 15 May that legal action would be taken against people who traded or hoarded international aid. Towards the end of April 2008, the Inter-Tropical Convergence Zone over the Indian Ocean became very active, with a tropical disturbance developing under its influence during 25 April. Over the next couple of days, the disturbance gradually developed further within an area

title: Insurance bad faith

text: Law Reform Commission considered but declined to adopt a tort of insurance bad faith when it drafted the Insurance Contracts Act 1984. Since then, Australian courts have consistently refused to judicially impose what Parliament did not legislatively impose, of which the most recent example was when the New South Wales Court of Appeal refused to adopt insurance bad faith in 2007. Insurance bad faith Insurance bad faith is a legal term of art unique to the law of the United States (but with parallels elsewhere, particularly Canada) that describes a tort claim that an insured person may have against an

title: Society Insurance

text: niche insurance capabilities to the hospitality industry and is widely known for its "Uncommon Insurance" and "Uncommon Value" marketing monikers. Society Insurance Society Insurance is a business insurance carrier headquartered in Fond du Lac, Wisconsin. Society has operated as a mutual company since 1915 and has experienced significant growth in the last 10 years, increasing the policyholders' surplus from roughly $50 million in 2002 to $93 million in 2011. The company’s more than 250 employees and network of more than 350 independent agencies currently serves customers in Illinois, Indiana, Iowa and Wisconsin. In 2011, direct written premiums hit $141.5 million

title: The World Is What It Is

text: The World Is What It Is The World Is What It Is: The Authorized Biography of V. S. Naipaul is a biography of the Nobel Prize-winning author V. S. Naipaul by Patrick French. It was published in 2008 (by Picador in the UK and Knopf in the USA). The title is a quotation from Naipaul's book "A Bend in the River". "The world is what it is; men who are nothing, who allow themselves to become nothing, have no place in it." French deals with Naipaul's family background and his life from his birth in 1932 until his second marriage

title: Come What(ever) May

text: iTunes, entitled "Live in Moscow". In an interview with MTV in 2006, vocalist Taylor said that "Come What(ever) May" was a return to the roots of the band, stating it is "a lot more from the spirit of what the band started with in 1992". He noted that some songs were "very atmospheric" while others maintained "the hard rock and the heavy stuff". Jon Wiederhorn of MTV said that "for every thrash riff there's a tunefully grungy passage, for every flailing guitar line there's a rock-radio hook." When talking about the track "30/30-150", he said parts are "bludgeoning, barbed and

title: College of Insurance

text: Insurance and Actuarial Science. For over 30 years, the Center has served the educational needs of more than 10,000 professionals in the insurance, risk management and financial services industry. The Center provides seminars, workshops, certificate programs and professional designation examination preparation courses for students of St. John's School of Risk Management within the Tobin College of Business, and working professionals in the New York City area. The Center for Professional Education also provides consulting services to the industry, governments and regulators worldwide. College of Insurance The College of Insurance (TCI) was a specialized accredited college, started by insurance industry leaders

title: Central Insurance of Iran

text: growth over the years. Last year, the industry average payout ratio was 86%. Iran has 2 re-insurers. Insurance premiums come to just below 1% of GDP. This is partly attributable to low average income per head. In 2001/02 third-party liability insurance accounted for 46% of premiums, followed by health insurance (13%), fire insurance (around 10%) and life insurance (9.9%). The Central Insurance of Iran is currently in the process of implementing some deregulation within the industry and migrating from a tariff-based regulation regime to a prudential based one (such as the Solvency regime), which is in line with the internationally

title: Insurance

text: in 1982, and reforms to warranty and other aspects under discussion . The insurance industry in China was nationalized in 1949 and thereafter offered by only a single state-owned company, the People's Insurance Company of China, which was eventually suspended as demand declined in a communist environment. In 1978, market reforms led to an increase in the market and by 1995 a comprehensive Insurance Law of the People's Republic of China was passed, followed in 1998 by the formation of China Insurance Regulatory Commission (CIRC), which has broad regulatory authority over the insurance market of China. In India IRDA is

title: Vero Insurance

text: In 1994. SunAlliance purchased New Zealand's general insurance group Royal Insurance. In 1997, SunAlliance purchased Connelly Temple. In 2003, Royal & SunAlliance announced a change in organisational structure in Australia and New Zealand and changed its name to Promina. The name of the general insurance company was changed to Vero Insurance. In 2007, Promina and Suncorp merged. In 2012, Vero Insurance became the co-major sponsor, with National Storage, for the Brisbane Lions, from the 2013 season onwards. Its sponsorship of the Lions ended at the conclusion of the 2018 season. Vero made what it considered a "historic" claim on the

title: The Oriental Insurance Company

text: from General Insurance Corporation of India. The Oriental Insurance Company The Oriental Insurance Company Ltd. is a public sector general insurance company of India. The headquarter of the company is located in New Delhi. It has 31 regional offices and more than 1800 active branches across the country. The company also has branches in Nepal, Kuwait, and Dubai. The company had recorded a gross premium of Rs. 7282.54 crores in the financial year 2013-2014. For the Financial year 2016-17, the Company procured a global premium of Rs. 11,100 crores. The Company offers more than 170 General Insurance products. The IRDA

title: QBE Insurance

text: heightened insurance risk of borrowers who aren’t paying for their own insurance. Opponents of the product consistently provide statistics in opposition to these statements, citing kickback payouts and loss ratios that are much lower than the rest of the insurance industry. Force-placed insurance policies fell under regulatory scrutiny when the New York State Department of Financial Services (DFS) launched an investigation into the lender-placed insurance industry that has so far led to settlements with QBE and Assurant Although testimony in these hearings discussed "Reverse Competition" and kickbacks from Assurant to its banking clients, In response to the settlement, DFS Superintendent

title: Health insurance in the United States

text: of medical expense insurance, patients were expected to pay all other health care costs out of their own pockets, under what is known as the fee-for-service business model. During the middle to late 20th century, traditional disability insurance evolved into modern health insurance programs. Today, most comprehensive private health insurance programs cover the cost of routine, preventive, and emergency health care procedures, and also most prescription drugs, but this was not always the case. The rise of private insurance was accompanied by the gradual expansion of public insurance programs for those who could not acquire coverage through the market. Hospital