Maximize Your Medicare (2017 Edition)
Maximize Your Medicare (2017 Edition) Now Available Medicare is the cornerstone of retirement planning in the United States. The reason is simple: healthcare costs, as people age, represent the single largest threat to a persons financial and personal well-being. It affects more than a single person. Family members and those that support the individual are all inevitably affected. The Rules Are Complicated The reason that people misunderstand Medicare is that while the language looks the same as other health insurance, but it actually works differently, in important ways. Enrollment eligibility Late enrollment penalties Separate health and prescription drug components Financial assistance at federal and state levels Special enrollment exceptions Maximize Your Medicare is written so that consumers understand the wide variety of choices they have, and when they should choose. Maximize Your Medicare also points out the pitfalls that one can avoid, if and only if the consumer understands the rules correctly. While intimidating and confusing to many, Medicare rules largely favor the consumer, as long as the consumer fully understands those rules. Selection is Complicated There are a wide variety of choices available, and some of those choices change every year. Maximize Your Medicare clarifies the key differences among the choices. The eleganceof Medicare is that it does not discriminate: every person has the exact same rights and options when first turning 65 years old. That does not mean that every person will choose the same path. The number of combinations that can influence "what is best for you" is too large to count. Among these factors are: Financial resources Personal / family health history Prescriptions required Healthcare provider access Maximize Your Medicare provides real-life examples, called "This Happens," which highlight both the mistakes that people have made in the past, and the excellent outcomes when the consumer considers his/her situation thoroughly. The Rules Are Not Enough There are 57 million Medicare beneficiaries, and approximately 10,000 turn 65 every day, something that will continue for the next two decades. While it may be convenient for others to claim that they can "fix" or "improve" Medicare, the demographic and fiscal reality is that this single issue will be on the top of the national agenda. While convenient to "find someone else to blame" for the lack of complete information available, Maximize Your Medicare is written so that the consumer (and those around him/her) can deal with Medicare in a practical, well-reasoned way. Maximize Your Medicare is written with the idea that every stakeholder (the Medicare consumer, physician, hospital, pharmaceutical, attorney, etc) is acting rationally, within the rules that they must follow. Maximize Your Medicare is a guide to help consumers, within those same set of complex rules. About the Author Mr. Oh is a nationally-recognized Medicare expert, one of three expert panelists on MyMedicareAnswers.com, powered by one of the nation's largest Medicare carriers. He has appeared in person in front of seniors, professionals, and companies. He has been quoted in the national press (USA Today, nasdaq.com), and on talk radio stations. Mr. Oh is a graduate of the University of Michigan (Ann Arbor), and the Booth School of Business at The University of Chicago. You can find further information online: www.maximizeyourmedicare.com
Health Insurance Sucks - The Moral Case for Better Business Healthcare
Health Insurance Sucks uncovers the sinister world of business healthcare and delivers new and powerful solutions that you can implement today. This book will literally shift your brain, provide you with an entirely new way of approaching healthcare for employees, and arm you with every weapon you need to fight against big insurance, big pharma, and the big government players that have controlled us all for decades. John Butler allows his readers to go on offense rather than play defense against skyrocketing premiums and deteriorating benefits. After finding out how to reduce your healthcare costs by 20% - 60%, John will even show you how to set and keep a steady budget for your business healthcare once and for all. In fact, he prides himself at taking all of the rules levied by insurance companies, pharmacy companies, and even our own Federal and State governments and uses those exact same rules to beat them at their own game!
The Practice of Lending
Provides a comprehensive guide to assessing creditworthiness, quantifying and rating credit risk, and modelling default likelihood​Presents both principles and practical applications aimed at beginners in their credit careersCovers a cross-section of industries including service, commercial real estate, and commercial banking​
Analyzing Financial Data and Implementing Financial Models Using R
The Blueprint
Replace your day job with a lucrative business that will give you consistent passive incomeWant to earn big bucks while not being bound to your desk from 9 to 5?Want to enjoy regular passive income and set yourself up for a carefree retirement?When it comes to building wealth, nothing beats real estate.The real estate industry is responsible for producing the third highest number of billionaires in the world, and has created millionaires throughout the decades.And with rental property, you get to earn money twice! You get monthly cash flow from rental income, while your property continues to appreciate in value.But don't go rushing out to buy that house yet.As with any business, investing in rental property entails a certain amount of risk, and there are many things you need to consider before you dive in.This helpful guide will show you what you need to know before you get started with your own rental property business so you can avoid the fatal pitfalls and enjoy the perks of being a landlord.In The Blueprint: The Secrets Of Successful Lucratıve Rental Property Busıness, you will discover: The first thing you should look at when deciding on your first rental property investmentHow to protect yourself financially from prolonged vacancies and loss of income with this unconventional methodAn appealing but often overlooked type of rental property that offers reliable tenants and attractive returnsWhy you shouldn't be planning your entire property investment strategy ahead of timeHow you can purchase brand new properties at significantly lower cost and get the best value for your moneyHow you can still afford to invest in a rental property, even if you don't qualify for a bank loanThe people you should never ever rent out your property toThe most important room to focus on when renovating that will have a major impact on your rental rateAnd much more.You don't need a background in business or real estate to be successful in the rental property business.What you do need are focus, determination, and a clear idea of what you are working towards, as well as a willingness to take calculated risks that will pay off handsomely.As long as you don't enter into it blindly, and do the actual research and work needed to succeed, you'll have a greater chance of making your financial dreams a reality.If you want to start a profitable rental property business and set yourself up for financial success in real estate, then scroll up and click the "Add to Cart" button right now.
The Evolution of Yield Management in the Airline Industry
This book chronicles airline revenue management from its early origins to the last frontier. Since its inception revenue management has now become an integral part of the airline business process for competitive advantage. The field has progressed from inventory control of the base fare, to managing bundles of base fare and air ancillaries, to the precise inventory control at the individual seat level. The author provides an end-to-end view of pricing and revenue management in the airline industry covering airline pricing, advances in revenue management, availability, and air shopping, offer management and product distribution, agency revenue management, impact of revenue management across airline planning and operations, and emerging technologies is travel. The target audience of this book is practitioners who want to understand the basics and have an end-to-end view of revenue management.
Rich & Dying
Trillions of dollars spent every year, billions wasted, and all of it at the expense of American families. This reality is the American healthcare economy.For you, an employee of the healthcare ecosystem, the current state of the healthcare economy poses an opportunity. This industry was created by humans, which means it can be fixed by humans too. Unlike a rare disease with an unknown pathology, healthcare has known variables and processes-and you hold the power to change it.Countless books describe the problems with American healthcare today. In Rich & Dying, Jeb explains the problems and provides a framework for real, comprehensive solutions. Throughout his decorated career, Jeb and his teams have saved the industry billions in avoidable expenditures. For Jeb, it still isn't enough. With numerous vantage points from across the industry, he's able to look beyond point-based solutions that provide episodic relief and instead propose a new way of thinking about the system. Join this important conversation, learn how to untangle the web of inefficiencies, and discover the role you play in making healthcare effective, affordable, and user-friendly for all Americans.
Rich & Dying
Trillions of dollars spent every year, billions wasted, and all of it at the expense of American families. This reality is the American healthcare economy.For you, an employee of the healthcare ecosystem, the current state of the healthcare economy poses an opportunity. This industry was created by humans, which means it can be fixed by humans too. Unlike a rare disease with an unknown pathology, healthcare has known variables and processes-and you hold the power to change it.Countless books describe the problems with American healthcare today. In Rich & Dying, Jeb explains the problems and provides a framework for real, comprehensive solutions. Throughout his decorated career, Jeb and his teams have saved the industry billions in avoidable expenditures. For Jeb, it still isn't enough. With numerous vantage points from across the industry, he's able to look beyond point-based solutions that provide episodic relief and instead propose a new way of thinking about the system. Join this important conversation, learn how to untangle the web of inefficiencies, and discover the role you play in making healthcare effective, affordable, and user-friendly for all Americans.
InsurTech - Digitalizing the Insurance Industry
Innovation is becoming increasingly important for the insurance industry as a tool for competition, making the case for digital transformation even more relevant. This book is intended to give you an introduction to the subject of what InsurTech is, possibilities and risks connected to it and a forward-looking analysis on the role of InsurTech the coming years - when you have finished reading this book, you will hopefully have gained a few ideas on how the insurance sector will transform digitally the coming years and how this may affect your business.
How to Sell Annuities
Do you ever wonder how some people sell annuities like hot cakes and yet you haven't sold a single annuity in over a year? Not everyone starts out know the tips and hints to take them to the top of annuity sales. This book might be helpful on your journey selling insurance. Selling Annuities isn't like selling life insurance. It takes a slightly different approach and this book will give you something to think about next time you are prospecting for annuities. I've put some strategies, some prospecting ideas and some overall helpful hints.
A Study on Ego State Affecting Income and Retention Rate of the Insurance Planner
In this study, the researcher investigated the influence of the ego state, a field of personality psychology, among various factors that influence insurance planners' income and retention rates. For this, the researcher utilized the ego state test proposed in the theory of transactional analysis. Transactional analysis is a theoretical system for human behavior or transactions and is widely used today for the improvement of interpersonal relationships, personal growth, and change. Considering that the settlement rate of life insurance planners in the 13th month was 38.2% as of 2019, insurance planners with less than one year of service were excluded from research subjects. Besides, since some insurance planners do not have insurance sales as their main business, research subjects were limited to insurance planners whose income resulting from the insurance sales accounted for more than 50% of the monthly income. The analysis results are as follows. First, no significant relationship was found in the effect of the life insurance planner's ego state on monthly income. Second, it was found that the life insurance planner's adult (A) ego state had a significant effect on the retention rate. Third, it was found that the life insurance planner's retention rate had a significant effect on the monthly income. Fourth, it was found that the number of insurance contracts was another factor affecting the monthly income of life insurance planners. Through this study, it can be seen that insurance planners with a high adult (A) ego state have a high retention rate, which in turn leads to income increase. Based on these research results, if a transactional analysis counseling program that can increase the adult (A) ego state of insurance planners is developed and applied to insurance planners, the retention rate will be also improved through improved interpersonal and communication skills and rational counseling. The high retention rate will lead to improved consumer confidence in the insurance industry, which will contribute to the qualitative growth of the Korean insurance industry.
Analysing Intraday Implied Volatility for Pricing Currency Options
This book focuses on the impact of high-frequency data in forecasting market volatility and options price. New technologies have created opportunities to obtain better, faster, and more efficient datasets to explore financial market phenomena at the most acceptable data levels. It provides reliable intraday data supporting financial investment decisions across different assets classes and instruments consisting of commodities, derivatives, equities, fixed income and foreign exchange. This book emphasises four key areas, (1) estimating intraday implied volatility using ultra-high frequency (5-minutes frequency) currency options to capture traders' trading behaviour, (2) computing realised volatility based on 5-minute frequency currency price to obtain speculators' speculation attitude, (3) examining the ability of implied volatility to subsume market information through forecasting realised volatility and (4) evaluating the predictive power of implied volatility for pricing currency options. This is a must-read for academics and professionals who want to improve their skills and outcomes in trading options.
Reactive Risk and Rational Action, 6
Reactive Risk and Rational Action: Managing Moral Hazard in Insurance Contracts offers a sophisticated anatomy of how insurers confront losses that change precisely because insurance exists. Rather than treating pricing as a purely actuarial exercise, the book shows why markets "thin" when incentives shift and why insurers embed hierarchy inside contracts to steady calculation. Beginning with a clear definition of reactive risk--loss probabilities that move in response to policyholder behavior--the author reframes moral hazard as a strategic interaction, not just a pricing nuisance. Core chapters track how institutions convert reactive risks into fixed ones: aligning incentives through deductibles, coinsurance, and experience rating; relocating key safeguards to third parties (building codes, inspection regimes, classification societies); and continuously re-valuing property to preserve indemnity and deter fraud. Through tightly argued case studies--urban fire insurance, risks at sea, and surety bonding--the book ties rating and underwriting practices to real-world constraints like distance from decision makers, information asymmetries, and organizational control. Bridging decision theory and the economics of institutions, the study demonstrates how insurance markets endure only when contracts create a "community of fate" between insurer and insured--making prevention, not just payout, the common objective. Methodological notes on how insurers model individuals and organizations complement analyses of warranties, sue-and-labor clauses, general average, salvage, and valuation rules, revealing why some hazards prove insurable and others do not. The concluding theory of reactive risk connects calculation to governance: when incentives and oversight are designed well, insurers can price rare events without inviting them; when they are not, markets unravel. The enduring takeaway is crisp and consequential: managing moral hazard is less about better odds and more about better institutions--insurance works when contracts strategically reshape behavior so that markets can function at all. This title is part of UC Press's Voices Revived program, which commemorates University of California Press's mission to seek out and cultivate the brightest minds and give them voice, reach, and impact. Drawing on a backlist dating to 1893, Voices Revived makes high-quality, peer-reviewed scholarship accessible once again using print-on-demand technology. This title was originally published in 1985.
The Economic Theory of Risk and Insurance
This book is a volume in the Penn Press Anniversary Collection. To mark its 125th anniversary in 2015, the University of Pennsylvania Press rereleased more than 1,100 titles from Penn Press's distinguished backlist from 1899-1999 that had fallen out of print. Spanning an entire century, the Anniversary Collection offers peer-reviewed scholarship in a wide range of subject areas.
The Beneficiary in Life Insurance
The Beneficiary in Life Insurance consists of ten lectures by leading authorities explaining the principles of designating and protecting the beneficiary.
An Analysis of Government Life Insurance
This book is a volume in the Penn Press Anniversary Collection. To mark its 125th anniversary in 2015, the University of Pennsylvania Press rereleased more than 1,100 titles from Penn Press's distinguished backlist from 1899-1999 that had fallen out of print. Spanning an entire century, the Anniversary Collection offers peer-reviewed scholarship in a wide range of subject areas.
Life Insurance Housing Projects
This book is a volume in the Penn Press Anniversary Collection. To mark its 125th anniversary in 2015, the University of Pennsylvania Press rereleased more than 1,100 titles from Penn Press's distinguished backlist from 1899-1999 that had fallen out of print. Spanning an entire century, the Anniversary Collection offers peer-reviewed scholarship in a wide range of subject areas.
From Possum to Caviar
This brief autobiography is written for my descendants and for those who come after me. From a reader's perspective, it may appear egotistical and it is meant to be. The purpose is to invite a look in my rearview mirror to learn what I am all about.
Risk and Uncertainty in a Post-Truth Society
This edited volume looks at whether it is possible to be more transparent about uncertainty in scientific evidence without undermining public understanding and trust. With contributions from leading experts in the field, this book explores the communication of risk and decision-making in an increasingly post-truth world. Drawing on case studies from climate change to genetic testing, the authors argue for better quality evidence synthesis to cut through the noise and highlight the need for more structured public dialogue. For uncertainty in scientific evidence to be communicated effectively, they conclude that trustworthiness is vital: the data and methods underlying statistics must be transparent, valid, and sound, and the numbers need to demonstrate practical utility and add social value to people's lives. Presenting a conceptual framework to help navigate the reader through the key social and scientific challenges of a post-truth era, this book will be of great relevance to students, scholars, and policy makers with an interest in risk analysis and communication.
Ford Mustang
The Great American Icon! - Special Launch PriceAmerican car companies are continually striving to innovate changes in how we see, operate, and make connections with cars. The classic car market taps into a simpler time and invokes a feeling of nostalgia. Mustangs are undoubtedly among the most popular classic cars-they were a hit right off the production line, and 56 years later, they still rank among the top-selling cars and are recognized as a household name. Ford's first pony car remains one of the longest-running sports car nameplates in the United States, second only to the Chevy Corvette. The Mustang has set records time and again with its sales, building on its reputation as the classic car that made its way to American homes.These milestones helped perpetuate the nostalgic standing that draws people to the pony car. The Mustang has left an imprint on the hearts and minds of many Americans, whether it was a memorable first car experience, the project car that brought people together, or memories created while cruising, parking, or doing burn-outs.It appeals to consumers for other reasons too. At its inception, the Mustang brought a race-care level of performance and speed to the average American. While suburbia was enjoying upward mobility, car lovers were introduced to an affordable sports car that was also easy to work on. Those defining characteristics-accessible, fast, and affordable-continue to shape Ford's marketing strategy to this day.The Mustang's performance is wrapped up in the ideals of American individualism. A variety of appealing and performance-enhancing trim options from the factory, plus an endless supply of after-market parts, ensure that you can modify and customize to your heart's content. Whether it's the performance you are after, sentiment, or just an affordable sports car, the Ford Mustang surely fits the bill.The array of Mustangs produced in its lifetime via creative collaborations, advertising promotions, fan-club upgrades, and even Ford's own special projects are too numerous to detail in a single publication. Anyone, from the most fervent enthusiasts to Camaro owners can appreciate this fun collection of Mustang morsels. Or if your intent is to impress your next date or occupy time on the porcelain throne, we hope you enjoy this trivia book!Click "Buy Now" To Get Your Copy Today!
Agent to Agency
For Insurance people, business leaders, and intrapreneurs looking to do things differently with better results. If you are like I was, you have been trying to find a way to get out of the same routine but always ending up with the same results. You want more freedom but are too afraid to take the leap of faith. You want more leads but do not know how to find them. You want to manage an awesome team but nothing seems to be impactful enough, or you are scared of doing it the wrong way. You feel you could convert more sales, if you just had access to the secret recipe that works well for others. You want to run your own insurance business the right way but it is hard to start and keep up with the momentum of a well oiled machine. I'm here to help you with all of that. In this book, you will find the solution to building your insurance business that will allow you to scale faster, stronger and with more longevity than the competition. It will show how to sell more policies with high sale conversions from anywhere. Any time. By revealing the strategies we used to build our million dollar organization online, while maintaining amazing client relations that promote the maximum amount of referrals. It will give you the ability to build an insurance business with wisdom by unveiling successes that can be emulated and explaining our mistakes, so you do not repeat them. It will provide the tools and knowledge you need to lead a team with confidence so you can promote, grow and maintain with more ease. The insurance industry is ever changing and this book will allow you to build a vehicle that is easily adaptable to any insurance company you work with, giving you the efficiency, freedom, and ownership you deserve.
Not a Good Neighbor
It's late. You're tired. After a long day, you just want to be home in time for dinner. As you enter an intersection, a truck barrels through a stop sign, smashing into your passenger side. Within seconds, every plan is changed, every project delayed, and every concern you had before this moment overshadowed by an uncertain future. Following hours in the hospital and a wrecked car awaiting insurance-approved repairs, you're stuck. You're mad. And you're starting to think that you'll never recover-in more ways than one. In Not a Good Neighbor, injury lawyer Brian LaBovick shows you how to navigate the paperwork and pitfalls of an automobile accident case. Brian shares stories from nearly three decades in practice to help you maximize benefits in this often complicated process. Learn the ins and outs of auto accident insurance and ways to increase your settlement with the strategies you need to attain the money you deserve. In today's world, insurance alone cannot protect you. Learn how to protect yourself and fight for fairness so you're never a victim again.
Not a Good Neighbor
It's late. You're tired. After a long day, you just want to be home in time for dinner. As you enter an intersection, a truck barrels through a stop sign, smashing into your passenger side. Within seconds, every plan is changed, every project delayed, and every concern you had before this moment overshadowed by an uncertain future. Following hours in the hospital and a wrecked car awaiting insurance-approved repairs, you're stuck. You're mad. And you're starting to think that you'll never recover-in more ways than one. In Not a Good Neighbor, injury lawyer Brian LaBovick shows you how to navigate the paperwork and pitfalls of an automobile accident case. Brian shares stories from nearly three decades in practice to help you maximize benefits in this often complicated process. Learn the ins and outs of auto accident insurance and ways to increase your settlement with the strategies you need to attain the money you deserve. In today's world, insurance alone cannot protect you. Learn how to protect yourself and fight for fairness so you're never a victim again.
Persuasive Selling for Relationship Driven Insurance Agents
With so many books to read and so little time to read, why do you want to pick up Persuasive Selling for Relationship Driven Insurance Agents? Simple, because you want to help your insurance clients and boost your sales at the same time. "Persuasive Selling is a rare find, uncomplicating the intricate process of relationship sales with streamlined principles of human psychology. It's a gem." - Robert B. Cialdini, Ph.D., author of Influence Science and Practice But don't be mistaken, this book is for more than just insurance agents. Anyone, agency or company, in the industry will benefit from reading Persuasive Selling for Relationship Driven Insurance Agents. Why? Because we all have to sell ourselves and our ideas. Even if you're not in insurance you'll benefit from understanding the sales process and how to ethically persuade at every step. "Your basic recipe in this book is how to have winning relationships. Certainly, influencing people is part of that for many roles, but Brian's message is as important to a spouse, parent, child, bricklayer, janitor, lawyer, etc., as it is to someone selling insurance." - Dean Hildebrandt, President, Assurex Global Insurance is a noble industry because it serves two primary functions: 1) insurance helps people get back on their feet after something bad has happened, and 2) insurance stimulates our economy. Despite those noble functions, buying insurance isn't a "feel good" purchase like getting a new car, big screen television, or buying a new home. Unlike those, you hope you never have to use your insurance products. That makes insurance a necessary evil in the eyes of many people, an expense most would rather do without. As an insurance agent you have a lot going against you. But there's hope! When you understand the psychology of persuasion - what causes one person to say yes to another - helping people fill their insurance needs becomes much easier. "Brian Ahearn understands the insurance business and what it takes to win as an agent." - Tony Burkhart, President, Burkhart Insurance Agency, Inc. What will you get from reading this book? Here is just a sampling of what you'll learn: Learn scientifically proven psychology that will make it easier for clients to say yes to the protection you know they need.Find out what psychology is best to use during each step of the sales cycle.See how to DEAL with different personality types.Understand how to build relationships quicker, easily deal with objections, and close more sales without coming across as "salesy".Learn from real world insurance examples and case studies.Read this book to increase your book of business, create an easier sales process, and actually enjoy working with your clients.
Closing the Wealth Gap
America's widening wealth gap has caused people like Warren Buffet to publicly say, "Rich people have too much money!" The United States is quickly becoming a nation with two distinct economic societies-the haves and the have-nots! The new economy also comes with a new set of rules. The number one rule is this: you're on your own! However, you do have a choice. Take control of your personal finances and become a wealth builder, or keep doing what you're doing. I hope that you choose the former. Let's close America's wealth gap. Either way, I'll leave it up to you!
Professional Lines Insurance, An Oral History
This book is your chance to sit down at a relaxing dinner with Larry Goanos and listen to him, and about 400 of his peers, friends, and rivals spin a few yarns about their days in the professional lines insurance industry. This edition also includes a new foreword written by Maurice R. (Hank) Greenberg.Larry writes in a conversational style that will welcome you into his world, the world of professional lines insurance. By the end, you will feel like you've lived through the ups and downs of the lives lived in the professional lines arena. The chapter on September 11, 2001 will take you into the shoes of people who were living in New York City in the days and weeks after that day.Larry uses this book to memorialize the people and companies that built this niche in the US, Great Britain, and Bermuda. By the time you're finished, you'll feel like you know these people and companies, almost like you're family.
The Demand for Life Insurance
Explores the new theoretical/methodological framework with machine learning technique to understand the demand for life insurance; Surveys the existing literature covering life insurance and understanding its adoption rates Offers practical findings and implications for financial planners
Management of Risks Under the Companies Act, 2013
The Hon. Minister of Finance and Corporate Affairs introduced on 6th March 2020 in the Lok Sabha, the Companies (Amendment) Act, 2020 {Bill No.88 of 2020}. In the statement of Objects and Reasons for introducing the Bill, she stated, inter alia that as part of the constant endeavor of the Government to facilitate greater ease of living to law abiding corporates certain provisions of the Act are proposed to be decriminalized to provide further ease of living for corporates in the country. Several provisions of the Act related to defaults which lacked any element of fraud or do not involve larger public interest were decriminalized. Yet the continuing "less serious punishments" are serious enough for the Directors to be complacent.There are still 26 sections providing for punishment under section 447 as Cognizable Offence; 20 sections attracting Imprisonment and Fine; 8 sections imposing Imprisonment or Fine or Both; and 1 section providing for Imprisonment or Fine.This book can guide those Directors who have less knowledge on the compliance requirements under the Act, its rules and secretarial procedures. It is believed that this handbook shall enthuse them to adopt personal risk mitigation measures such as good reading of the agenda papers, seek additional information from companies to prepare and effectively participate at the meetings and where considered appropriate obtain expert independent advice...
The Claim Game
In these troubled economic times a home is a precious commodity. Protecting that investment has never been more important for homeowners and property owners. When Mother Nature or good old fashion bad luck cause damage to a property, homeowners turn to their insurers to help them restore their property. Insurers, meanwhile, are as equally interested in enhancing their bottom lines as homeowners are in protecting their investment. When these interests collide, the claim game begins and the fight to protect your home and get what is owed you becomes a high stakes game of chance. Without the right guidance, without knowing the Rules of the Game--rules written by and for the insurers--you could find yourself on the losing end. The Claim Game levels the playing field between homeowners and insurers by giving homeowners the knowledge and tools needed to empower themselves so that they can get every penny owed them and claim victory. Discover the secrets to homeowner insurance settlement with the only step-by-step guide to property insurance claims written by an insurance insider. Exposing little-known methods that enable you to expedite your claim and get every penny owed you, The Claim Game is your comprehensive resource for homeowners insurance and property damage claims. The Claim Game will teach you how to: - Settle claims quickly and fairly. - Reduce or eliminate your deductible. - Decipher a policy so it makes sense. - Discover hidden coverages that protect you and save money. - Organize claim information to expedite your claim. - Get a denied claim covered. - Understand an estimate from a contractor or an insurer. - Select the right contractor to repair your home or property. Also included: - Claim-specific guidance for many types of losses including hurricane, tornado, earthquake, hail, fire and many others. - An in-depth exploration of the most common issues and concerns homeowners encounter. Don't let what you DON'T know cost you!
Value in Healthcare
Value is created in an industry when quality and experience are balanced with an appropriate cost. Until recently, though, value creation through improved quality and/or experience has not been an intentional priority of healthcare. A major cause of our misguided efforts is our disconnected volume-based, fee for service healthcare model, paid by a third party that is not the actual consumer of the services and that only incentivizes price and volume. This disconnect of purpose and priorities leaves patients, providers, and staff to feel like widgets, commodities, and cogs in the healthcare delivery machine we have operated since the early 20th century. As the healthcare costs in the US continue to go up without an offsetting rise in quality outcomes or patient (or provider) experience, the quest for value has begun. This book explores the key differences between a volume-based health system versus one focused on value, and it offers a framework for value creation, based on the principles of Population Health Management. Patient risks need to be identified, individualized plans of care must be built, and the execution of the plan must be performed in a communicative and collaborative manner, longitudinally supporting and guiding the patient using an appropriate application of relationship and technology. By active creation of value in healthcare, we can rein in costs while improving quality outcomes and experience of the patients and providers. Such a system will allow patients to feel cared for as we guide them on their path toward the optimization of their health and well-being.
Value in Healthcare
Value is created in an industry when quality and experience are balanced with an appropriate cost. Until recently, though, value creation through improved quality and/or experience has not been an intentional priority of healthcare. A major cause of our misguided efforts is our disconnected volume-based, fee for service healthcare model, paid by a third party that is not the actual consumer of the services and that only incentivizes price and volume. This disconnect of purpose and priorities leaves patients, providers, and staff to feel like widgets, commodities, and cogs in the healthcare delivery machine we have operated since the early 20th century. As the healthcare costs in the US continue to go up without an offsetting rise in quality outcomes or patient (or provider) experience, the quest for value has begun. This book explores the key differences between a volume-based health system versus one focused on value, and it offers a framework for value creation, based on the principles of Population Health Management. Patient risks need to be identified, individualized plans of care must be built, and the execution of the plan must be performed in a communicative and collaborative manner, longitudinally supporting and guiding the patient using an appropriate application of relationship and technology. By active creation of value in healthcare, we can rein in costs while improving quality outcomes and experience of the patients and providers. Such a system will allow patients to feel cared for as we guide them on their path toward the optimization of their health and well-being.
Life Insurance in Europe
This book examines the challenges for the life insurance sector in Europe arising from new technologies, socio-cultural and demographic trends, and the financial crisis. It presents theoretical and applied research in all areas related to life insurance products and markets, and explores future determinants of the insurance industry's development by highlighting novel solutions in insurance supervision and trends in consumer protection. Drawing on their academic and practical expertise, the contributors identify problems relating to risk analysis and evaluation, demographic challenges, consumer protection, product distribution, mortality risk modeling, applications of life insurance in contemporary pension systems, financial stability and solvency of life insurers. They also examine the impact of population aging on life insurance markets and the role of digitalization. Lastly, based on an analysis of early experiences with the implementation of the Solvency II system, the book provides policy recommendations for the development of life insurance in Europe.
Sustainability and Financial Risks
Fosters debate on the under-explored relationship between sustainability and financial risksReflects the growing interest of practitioners, academics, financial institutions and policymakers in creating sustainable financial systemsProposes corporate risk management frameworks that take into account the effects of climate change and social inequality on financial markets
Values, Ergonomics and Risk Management in Aviation Business Strategy
1. Organizational Values and Culture: The Management & Organization Psychology.- 2. Value-based Enterprise Risk Management: Ergonomics, Ethics and Organizational Structure Considered Approach.- 3. Situational Awareness in AViation Business: Multi-cultural Business Environment.- 4. Enterprise Risk Management in Aviation Management and Strategy.- 5. Decision Making in Aviation Management: Multi-criteria Problem Solving.- 6. An Innovative, Human Behavious and Social Psychology Based Approach to Risk Analysis Tools and Techniques: Strategic Risk Mapping.- 7. Crisis Management in Aviation Business and Strategy: Organizational Behaviour based Perspective.
Pass the Missouri Insurance Exams
Make no mistake. The exams to become a Missouri-licensed property and casualty insurance producer are TOUGH. Kick off your new career with the help of this extensive study guide. The guide covers the national and state-specific topics on the exam outlines in a clear and concise manner, and the included practice tests will determine your understanding of the need-to-know concepts. Study with confidence, and pass the first time!
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Power Position Your Agency
Troy Korsgaden's timeless classic Power Position Your Agency is now available for Kindle! Don't waste time--get your copy today and grow your Agency!Are you working too many hours for too few clients? Does it seem that you do more paperwork than peoplework? Will you spend more hours on the road than in front of people this year?Whether your agency is big or small, if you answered yes to any of those questions, you need more than an adrenaline boost! You need a shot of strategies to wake things up and put you on the path to success fast. * How to get appointments with 10 clients every day* How to find qualified clients and get them to come to you* How to get clients in and out of your office in 30 minutes--or less!You'll also discover how to ramp up for success with something you already have but probably overlook, why some clients don't make sense for your agency, and what you need for an effective sales pitch.Get the help you need by putting Troy Korsgaden on your side. His strategies have made a difference for the thousands of agents who have attended his seminars across the country. They can make a difference for you too!
PERT Study Guide 2021-2022
Updated for 2021, Trivium Test Prep's unofficial, NEW PERT Study Guide 2021-2022: Exam Prep Review and Practice Questions for the Florida Postsecondary Education Readiness Test isn't your typical exam prep! Because we know your time is limited, we've created a product that goes beyond what most study guides offer. With PERT Study Guide 2021-2022, you'll benefit from a quick but total review of everything tested on the exam with current, real examples, graphics, and information. These easy to use materials give you that extra edge you need to pass the first time.FLDOE was not involved in the creation or production of this product, is not in any way affiliated with Trivium Test Prep, and does not sponsor or endorse this product.Trivium Test Prep's PERT Study Guide 2021-2022 offers: A full review of what you need to know for the PERT examPractice questions for you to practice and improveTest tips to help you score higherTrivium Test Prep's PERT Study Guide 2021-2022 covers: MathReadingWriting...and includes a FULL practice test! About Trivium Test PrepTrivium Test Prep is an independent test prep study guide company that produces and prints all of our books right here in the USA. Our dedicated professionals know how people think and learn, and have created our test prep products based on what research has shown to be the fastest, easiest, and most effective way to prepare for the exam. Unlike other study guides that are stamped out in a generic fashion, our study materials are specifically tailored for your exact needs.We offer a comprehensive set of guides guaranteed to raise your score for exams from every step of your education; from high school, to college or the military, to graduate school. Let our study guides guide you along the path to the professional career of your dreams!
The Insurance Professional’s Practical Guide to Workers’ Compensation
This book details the modern workers' compensation system and its operation within the statutory, contractual and juridical world in which the coverage exists. Legal and contractual concepts are concretely demonstrated using simple and accurate explanations.Concepts explained in this book include: what constitutes a compensable injury, who are general contractors responsible for insuring, second injury funds, the borrowed servant doctrine, employers' liability coverage, when additional states must be added to the policy, audits, and a detailed description of how to interpret experience modification factors. The appendices combine to provide a synopsis of specific work comp laws and injury reporting requirements for every state.
Strategisches Risikomanagement F羹r Verteilnetzbetreiber Im Liberalisierten Energiemarkt
Die harten Wettbewerbsbedingungen im liberalisierten Strom-/Gasmarkt f羹hren immer wieder zu Insolvenzen von Energieanbietern (Lieferanten), die bei zahlreichen Gl瓣ubigern hohe finanzielle Sch瓣den verursachen. Eine gro?e Betroffenheit zeigt sich bei den Verteilnetzbetreibern, deren Lieferantenbeziehung auf besonderen energiewirtschaftlichen Vorgaben beruht und bestehende Ans瓣tze der Betriebswirtschaft zur risikobewussten Gestaltung der Lieferantenbeziehung nicht einfach 羹bertragen l瓣sst. Kerstin Eiselbrecher entwickelt ein strategisches Risikomanagementmodell, das den Verteilnetzbetreibern unter Beachtung der energiewirtschaftlichen Rahmenbedingungen und speziell ausgew瓣hlter Risikofaktoren einen praxisgerecht gestalteten Risikomanagementprozess mit Handlungsempfehlungen zur fr羹hzeitigen Erkennung/Bewertung, Handhabung und ?berwachung des Lieferantenrisikos aus Insolvenzen und Anfechtungen an die Hand gibt. Durch die zentrale Position der Verteilnetzbetreiber in der Supply Chain derEnergieversorgung kann ihr Handeln auch dem Risiko weiterer mit den Lieferanten verbundener Marktpartner entgegenwirken. Dr. Kerstin Eiselbrecher promovierte nebenberuflich bei Frau Prof. Dr. Iris Hausladen am Heinz Nixdorf-Lehrstuhl f羹r IT-gest羹tzte Logistik an der HHL Leipzig Graduate School of Management. Sie verf羹gt 羹ber eine langj瓣hrige Berufserfahrung in der Energieversorgung und referierte auf Tagungen zum Forderungsmanagement der Verteilnetzbetreiber. Schon w瓣hrend ihres Studiums an der Technischen Universit瓣t M羹nchen, Deutschland und der University of Canterbury, Neuseeland widmete sie sich energiewirtschaftlichen Fragestellungen. Ihren wissenschaftlichen Fokus legt sie auf die Verkn羹pfung energiewirtschaftlicher und betriebswirtschaftlicher Elemente sowie die Verbindung von Theorie und Praxis.
Countering Cyber Threats to Financial Institutions
Exploring the negative social impact of cyber-attacks, this book takes a closer look at the challenges faced by both the public and private sectors of the financial industry. It is widely known amongst senior executives in both sectors that cybercrime poses a real threat, however effective collaboration between individual financial institutions and the public sector into detecting, monitoring and responding to cyber-attacks remains limited. Addressing this problem, the authors present the results from a series of interviews with cybersecurity professionals based in Canada in order to better understand the potential risks and threats that financial institutions are facing in the digital age. Offering policy recommendations for improving cybersecurity protection measures within financial institutions, and enhancing the sharing of information between the public and private sector, this book is a timely and invaluable read for those researching financial services, cybercrime and risk management, as well as finance professionals interested in cybersecurity.
Insurance Agency 4.0
Prepare for the FutureDevelop Your Digital Road MapIncrease Profit, Scalability, and TimeWe are currently in the Fourth Industrial Revolution, where digital capabilities are providing velocity to all prior developments. This includes the insurance industry and independent insurance agents. Do you have a digital strategy? The insurance industry and independent insurance agencies have been slow to adapt to change, but change is here. Insurance Agency 4.0 brings together the digital evolution of insurance agencies and presents a wholistic view of the future agency. Main Street staples like bookstores, travel agents, and music stores have been disintermediated and their products moved online and into self-service; but insurance's complex nature has kept the local insurance agent viable. However, consumers are becoming better educated, price wars blast across all advertising, and people expect the same digital experiences across all parts of their lives, including with their insurance agent. Insurance Agency 4.0 will help agency owners and managers develop a custom path to modernize their business strategy relative to their people, marketing, operations, service, and sales while developing a practical approach to: - Discover and Analyze Your Starting Point- Develop Your Strengths, Weaknesses, Opportunities, and Threats- Build and Execute Your Customized Strategic Digital Plan
Top 25 Ways an IUL can Secure Your Financial Future
In Mark's third book, learn why Indexed Universal Life Insurance (IUL) has become a new asset class--protecting investors from both taxes and market declines. Why many American families are using IUL as a hedge against inflation, rising taxes and even how they grow their wealth during a recession. Learn how the right IUL can be used to build your personal tax-free family bank--to borrow for investing in real estate, stocks and bonds, to expand your business, and generate returns far greater than the majority of investors. Finally, learn how an IUL can help you grow your retirement accounts and help protect you from running out of money during your retirement years, and why the wealthy always use Other People's Money (OPM) in all their investing...and how you can too!
Masters of Uncertainty
Das ist ein zweisprachiges Buch in Deutsch und Englisch - nutzen Sie bitte die "Blick ins Buch"-Funktionalit瓣t!In leadership there are times when we must simply break the mould and smash the smash the comfortable paradigms that keep us locked in old thinking, delivering outdated results. Rainer Petek demonstrates not only how to do this, but why it is imperative to throw off our heavy rucksacks, let go of that last handhold in the form of management habits and grow through our greatest challenges. Come on a journey of change, learn new wisdom through hundreds of Rainer's personal climbing experiences as a catalyst for your own change and breakthrough leadership. Transformation takes courage. It can be terrifying at times, but inspirational when positive change happens, in any organisation, in even the most challenging of circumstances. This book is like no other. It's your opportunity to experience transformational leadership growth through stunning images which support the many powerful metaphors and lessons.An inspiring way to help all leaders and their teams to facilitate their own way of looking at themselves and their organisations. In der F羹hrung gibt es Momente, in denen es darauf ankommt aus gelernten Mustern auszubrechen und die tr羹gerischen Paradigmen aufzugeben, die uns in altem Denken gefangen halten und f羹r unzureichende Ergebnisse sorgen. Rainer Petek zeigt nicht nur auf, wie wir dies tun k繹nnen, sondern auch, warum es unbedingt notwendig ist, unsere schweren Rucks瓣cke abzuwerfen, die scheinbare Sicherheit in Form von Managementgewohnheiten loszulassen und an unseren gr繹?ten Herausforderungen zu wachsen. Begeben Sie sich auf eine pers繹nliche Expedition und ziehen Sie transformierende Erkenntnisse aus Hunderten von Rainer Petek織s Klettererfahrungen - als Katalysator f羹r Ihr eigenes Wachstum und zur Entwicklung herausragender F羹hrungsqualit瓣ten. Ver瓣nderung braucht Mut. Sie kann manchmal furchteinfl繹?end sein, aber sie kann auch inspirierend sein, wenn der Wandel zum Besseren gelingt, in jeder Organisation, selbst unter den schwierigsten Umst瓣nden.
Selling Benefits
Lessons Learned - Voyages Travelled - Stories SharedThis is not just a book about selling employee benefits, another sales manual or a book about sailing trips and travelling the world. SELLING BENEFITS is all that and more, in an easy and entertaining read. You will enjoy and make use of the lessons shared to improve both yourself and your practice. Your business relationships will thrive and be more successful.Dave shares his learnings from his long term business partnerships and through those you will better understand: - How to establish lifelong relationships no one will be able to break- Lessons to help strengthen client partnerships- How to build client loyalty that won't be compromised- Ways of using storytelling to make business lessons stick.You will leave with many practical take-aways you can put to work immediately to improve your business and be more successful.
The Secret Art of Selling Insurance
Attract the right clients who will step-up your sales game! Sometimes people go into sales thinking it will be easy or it's a surefire way to make extra money on the side. It might work for some pyramid sales operations or selling candles and creams; however, to become a sales professional takes hours of training and discipline. Insurance sales takes an added burden of knowing that you are definitely doing the right thing for the human being relying on your professional opinion to make the appropriate decision among sometimes dozens of options protecting them from losses. You can master the secret art of selling insurance that will save you both time and money. You only need guidance to make money in an effective, compassionate, and ethical way. In The Secret Art of Selling Insurance, award-winning educator and top sales producer Ana-Maria Figueredo helps you to level-up your sales game by teaching you to: - Clearly identify who needs your products and why they should buy them from you exclusively - Pursue your clients in a non-invasive way to make them feel at ease - Pinpoint how to meet the right people for success without wasting your time and resources - Identify what makes your solutions special to stand out from the competition - Get the reputation of being the go-to insurance professional in your circle to grow your referrals and business leads organically Learn industry secrets, find the right insurance customers, and get the professional recognition you deserve!
Risk Communication for the Future
The conventional approach to risk communication, based on a centralized and controlled model, has led to blatant failures in the management of recent safety related events. In parallel, several cases have proved that actors not thought of as risk governance or safety management contributors may play a positive role regarding safety. Building on these two observations and bridging the gap between risk communication and safety practices leads to a new, more societal perspective on risk communication, that allows for smart risk governance and safety management. This book is Open Access under a CC-BY licence. This work was published by Saint Philip Street Press pursuant to a Creative Commons license permitting commercial use. All rights not granted by the work's license are retained by the author or authors.
Risk Communication for the Future
The conventional approach to risk communication, based on a centralized and controlled model, has led to blatant failures in the management of recent safety related events. In parallel, several cases have proved that actors not thought of as risk governance or safety management contributors may play a positive role regarding safety. Building on these two observations and bridging the gap between risk communication and safety practices leads to a new, more societal perspective on risk communication, that allows for smart risk governance and safety management. This book is Open Access under a CC-BY licence. This work was published by Saint Philip Street Press pursuant to a Creative Commons license permitting commercial use. All rights not granted by the work's license are retained by the author or authors.
